https://packersvsjets.nram.edu.bdQuick star stories for everyday readers.en-usSun, 27 Sep 2026 16:28:38 -0400https://packersvsjets.nram.edu.bd/what-does-it-mean-when-a-credit-card-company-charges-you-off.htmlhttps://packersvsjets.nram.edu.bd/what-does-it-mean-when-a-credit-card-company-charges-you-off.htmlA charge-off occurs when you don’t pay the full minimum payment on a debt for several months and your creditor writes it off as a bad debt. Basically, it means the company has given up hope that you’ll pay back the money you borrowed and considers the debt a loss on their profit-and-loss statement. ...Sun, 27 Sep 2026 20:26:21 -0400https://packersvsjets.nram.edu.bd/can-senior-citizens-get-free-cell-phones.htmlhttps://packersvsjets.nram.edu.bd/can-senior-citizens-get-free-cell-phones.htmlFree phones for seniors are available through the Lifeline program providers. Some Lifeline providers cover most of the states, such as Safelink Wireless and Assurance Wireless. Some of these cell phone providers offer better deals than others, such as more minutes, data, or free smartphones for sen...Sun, 27 Sep 2026 20:21:37 -0400https://packersvsjets.nram.edu.bd/how-long-do-you-live-after-being-diagnosed-with-cancer.htmlhttps://packersvsjets.nram.edu.bd/how-long-do-you-live-after-being-diagnosed-with-cancer.htmlMany people live much longer than five years after they are diagnosed. For some people, cancer does come back and they will need further treatment. Most people who get cancer only get one type. However, some people will develop another type of cancer. What happens after cancer is diagnosed? After a ...Sun, 27 Sep 2026 20:21:26 -0400https://packersvsjets.nram.edu.bd/are-business-consultant-fees-tax-deductible.htmlhttps://packersvsjets.nram.edu.bd/are-business-consultant-fees-tax-deductible.htmlLegal and professional services: You can deduct fees that you pay to attorneys, accountants, consultants, and other professionals if the fees are paid for work related to your consulting business. If you have a home office, you may deduct a portion of your homeowner’s insurance. Are professional ser...Sun, 27 Sep 2026 19:39:43 -0400https://packersvsjets.nram.edu.bd/how-do-you-combine-income-when-married.htmlhttps://packersvsjets.nram.edu.bd/how-do-you-combine-income-when-married.htmlWhen you’re ready, here’s how to merge your money. Open joint checking and savings accounts (or add your spouse to yours). Notify your Human Resources contact and have them update your deposits. Set aside an afternoon to set up your bill pay, transfers, and retirement contributions. How do fiances...Sun, 27 Sep 2026 19:17:51 -0400https://packersvsjets.nram.edu.bd/how-big-of-a-tractor-do-i-need-to-run-a-brush-hog.htmlhttps://packersvsjets.nram.edu.bd/how-big-of-a-tractor-do-i-need-to-run-a-brush-hog.htmlThe rule of thumb says that 5Hp is needed per foot of mower or cutter whenconsidering the PTO HP. According to this, for a 20 HP tractor, you need 4 feet of bush hog or brush hog, whatever you say. A 5 feet width bush hog can also give a fine cut also. What is the difference between a bush hog and a...Sun, 27 Sep 2026 19:03:37 -0400https://packersvsjets.nram.edu.bd/what-does-it-mean-when-a-lien-is-filed.htmlhttps://packersvsjets.nram.edu.bd/what-does-it-mean-when-a-lien-is-filed.htmlA lien is a legal right or claim against a property by a creditor. Liens are commonly placed against property, such as homes and cars, so that creditors, such as banks and credit unions, can collect what is owed to them. Liens can also be removed, giving the owner full and clear title to the propert...Sun, 27 Sep 2026 18:47:30 -0400https://packersvsjets.nram.edu.bd/what-is-the-function-of-non-profit-organization.htmlhttps://packersvsjets.nram.edu.bd/what-is-the-function-of-non-profit-organization.htmlWhat do nonprofits do? Nonprofit organizations allow people to come together and join resources in order to achieve goals that benefit the purpose for the organization’s being. In so doing, the revenue generated by the nonprofit organization is used for the betterment of the mission they seek to com...Sun, 27 Sep 2026 18:35:40 -0400https://packersvsjets.nram.edu.bd/why-do-i-feel-so-bad-after-making-a-mistake.htmlhttps://packersvsjets.nram.edu.bd/why-do-i-feel-so-bad-after-making-a-mistake.htmlIt’s normal to feel guilty when you know you’ve done something wrong, but guilt can also take root in response to events you didn’t have much, or anything, to do with. Owning up to mistakes is important, even if you only admit them to yourself. Some common causes of guilt include: surviving trauma o...Sun, 27 Sep 2026 18:30:41 -0400https://packersvsjets.nram.edu.bd/what-do-you-say-when-someone-buys-their-first-house.htmlhttps://packersvsjets.nram.edu.bd/what-do-you-say-when-someone-buys-their-first-house.htmlShort & Sweet Messages Wishing you lots of love and happiness in your new home. Here’s to the start of a wonderful adventure. Home sweet home! Get ready to create tons of memories in your new place. Good luck with the house move. Congratulations! You’ve got the keys! Can’t wait to see your fan...Sun, 27 Sep 2026 18:04:55 -0400https://packersvsjets.nram.edu.bd/can-i-use-sep-ira-to-buy-stock.htmlhttps://packersvsjets.nram.edu.bd/can-i-use-sep-ira-to-buy-stock.htmlThrough an individual brokerage account within a SEP IRA, an account holder can purchase stocks, bonds, ETFs, and options contracts outside of the Vanguard portfolio. While these trades incur commission charges, the amount of the charge decreases as the size of the account grows. Are gains in a SEP ...Sun, 27 Sep 2026 17:40:37 -0400https://packersvsjets.nram.edu.bd/what-is-the-new-york-state-child-and-dependent-care-credit.htmlhttps://packersvsjets.nram.edu.bd/what-is-the-new-york-state-child-and-dependent-care-credit.htmlThe federal and New York State Child and Dependent Care Credits include expenses for qualifying children up to the age of 13 and certain dependents other than children. The federal Child and Dependent Care Credit is worth up to $2,100. It can only reduce the amount of tax you owe and cannot be claim...Sun, 27 Sep 2026 17:29:44 -0400https://packersvsjets.nram.edu.bd/can-i-pay-someone-to-pay-my-taxes.htmlhttps://packersvsjets.nram.edu.bd/can-i-pay-someone-to-pay-my-taxes.htmlCan someone else really pay your taxes? Yes. It’s not uncommon for corporations to pay taxes on behalf of their high-level executives. Having someone else pay your taxes can get tricky, since the government counts the amount that person pays as taxable income. Do your own taxes or pay someone? Do it...Sun, 27 Sep 2026 17:17:49 -0400https://packersvsjets.nram.edu.bd/is-investment-expense-an-itemized-deduction.htmlhttps://packersvsjets.nram.edu.bd/is-investment-expense-an-itemized-deduction.htmlInvestment Fees and Expenses Investment fees, custodial fees, trust administration fees, and other expenses you paid for managing your investments that produce taxable income are miscellaneous itemized deductions and are no longer deductible. How do I prepare itemized deductions? In order to claim i...Sun, 27 Sep 2026 16:39:22 -0400https://packersvsjets.nram.edu.bd/do-class-a-beneficiaries-pay-inheritance-tax-in-nj.htmlhttps://packersvsjets.nram.edu.bd/do-class-a-beneficiaries-pay-inheritance-tax-in-nj.htmlNew Jersey law puts inheritors into different groups, based on their family relationship to the deceased person. Class A beneficiaries are exempt from the inheritance tax; they pay no inheritance tax. This group includes the deceased person’s: spouse, domestic partner, or civil union partner. What i...Sun, 27 Sep 2026 16:38:48 -0400https://packersvsjets.nram.edu.bd/what-happens-to-a-parents-house-if-there-is-no-will.htmlhttps://packersvsjets.nram.edu.bd/what-happens-to-a-parents-house-if-there-is-no-will.htmlSince there is no will, you will need to bring a petition under the laws of the state where mom died (or where she owned assets) asking the court to appoint you as Personal Representative (or Administrator) of the estate. This is called an intestate estate, which means mom or dad died without a will...Sun, 27 Sep 2026 16:38:29 -0400https://packersvsjets.nram.edu.bd/how-long-does-a-green-card-holder-have-to-stay-in-us.htmlhttps://packersvsjets.nram.edu.bd/how-long-does-a-green-card-holder-have-to-stay-in-us.htmlTo qualify, you must continuously reside in the United States for five years after attaining lawful permanent residence (or three years if you are the spouse of a U.S. citizen); you must also be physically present in the United States for at least half of that period (two and one-half years for most...Sun, 27 Sep 2026 16:37:39 -0400https://packersvsjets.nram.edu.bd/how-do-you-thank-for-a-counter-offer.htmlhttps://packersvsjets.nram.edu.bd/how-do-you-thank-for-a-counter-offer.htmlHere’s an example: “Dear Blake, I’m writing to let you know I’ve received your counter offer with new terms in response to the original job offer. While I believe you’re an impressive candidate and an excellent fit for the role, I’m unable to offer you your desired salary amount. Does a counter offe...Sun, 27 Sep 2026 16:05:22 -0400https://packersvsjets.nram.edu.bd/do-you-pay-shipping-for-pampered-chef.htmlhttps://packersvsjets.nram.edu.bd/do-you-pay-shipping-for-pampered-chef.htmlStarting Oct. 1, 2020, standard shipping rates are the same for all orders: guest, host, individual, online, and consultant orders: Product amounts* up to $149.99 have a shipping rate of $7.95. Product amounts* $150 and over will receive free shipping. Does Pampered Chef ship free? Today’s The Pampe...Sun, 27 Sep 2026 15:59:12 -0400https://packersvsjets.nram.edu.bd/what-is-schedule-d-part1.htmlhttps://packersvsjets.nram.edu.bd/what-is-schedule-d-part1.htmlPart I. Short-Term Capital Gains and Losses—Generally Assets Held One Year or Less (see instructions) See instructions for how to figure the amounts to enter on the lines below. This form may be easier to complete if you round off cents to whole dollars. (d) What sales are reported on Schedule D? Us...Sun, 27 Sep 2026 15:40:14 -0400https://packersvsjets.nram.edu.bd/what-is-the-ordinary-tax-rate-for-2020.htmlhttps://packersvsjets.nram.edu.bd/what-is-the-ordinary-tax-rate-for-2020.htmlMarginal Rates: For tax year 2020, the top tax rate remains 37% for individual single taxpayers with incomes greater than $518,400 ($622,050 for married couples filing jointly). The other rates are: 35%, for incomes over $207,350 ($414,700 for married couples filing jointly); How is tax bracket calc...Sun, 27 Sep 2026 15:15:37 -0400https://packersvsjets.nram.edu.bd/what-do-corporate-taxes-have-to-do-with-profit.htmlhttps://packersvsjets.nram.edu.bd/what-do-corporate-taxes-have-to-do-with-profit.htmlA corporate tax is a tax on the profits of a corporation. The taxes are paid on a company’s taxable income, which includes revenue minus cost of goods sold (COGS), general and administrative (G&A) expenses, selling and marketing, research and development, depreciation, and other operating costs....Sun, 27 Sep 2026 15:14:33 -0400https://packersvsjets.nram.edu.bd/can-timeshares-be-sold-or-passed-down.htmlhttps://packersvsjets.nram.edu.bd/can-timeshares-be-sold-or-passed-down.htmlIn the best situation, the decision of timeshare inheritance is made at the time of purchase and written into the contract. A trust gives heirs the option to decide to keep the timeshare, sell it, or abandon it. It frees them of ongoing or unpaid fees. You also can leave your kids off the timeshare ...Sun, 27 Sep 2026 15:07:30 -0400https://packersvsjets.nram.edu.bd/is-a-government-employee-a-federal-employee.htmlhttps://packersvsjets.nram.edu.bd/is-a-government-employee-a-federal-employee.htmlAmong the legislative, judicial and executive branches of the federal government, the opportunities for employment are vast. Politicians and legislative staff, civil servants and members of the armed forces are all considered federal employees. What is OPM for federal employees? The U.S. Office of P...Sun, 27 Sep 2026 14:39:08 -0400https://packersvsjets.nram.edu.bd/what-is-tail-coverage-for-malpractice-insurance.htmlhttps://packersvsjets.nram.edu.bd/what-is-tail-coverage-for-malpractice-insurance.htmlHistorically “Tail Coverage” is an extended reporting period endorsement, offered by a physician’s current malpractice insurance carrier, which allows an insured physician the option to extend coverage after the cancellation or termination of a claims-made policy. Is Tail coverage required? Tail cov...Sun, 27 Sep 2026 14:38:11 -0400https://packersvsjets.nram.edu.bd/can-i-store-gold-in-a-bank.htmlhttps://packersvsjets.nram.edu.bd/can-i-store-gold-in-a-bank.htmlYes, you can keep gold and silver at a bank. But keep in mind that, according to The New York Times, no federal laws govern safe deposit boxes at banks. Additionally, a bank isn’t required to compensate you if your gold or silver is stolen or destroyed while it’s in a safe deposit box, the Times rep...Sun, 27 Sep 2026 14:17:34 -0400https://packersvsjets.nram.edu.bd/do-you-pay-a-mortgage-while-building.htmlhttps://packersvsjets.nram.edu.bd/do-you-pay-a-mortgage-while-building.htmlA construction loan is used during the building phase and is repaid once the construction is completed. A borrower will then have their regular mortgage to pay off, also known as the end loan. “Not all lenders offer a construction-to-permanent loan, which involves a single loan closing. How much do ...Sun, 27 Sep 2026 13:52:41 -0400https://packersvsjets.nram.edu.bd/are-bonds-included-in-taxable-income.htmlhttps://packersvsjets.nram.edu.bd/are-bonds-included-in-taxable-income.htmlThe interest that your savings bonds earn is subject to: federal income tax, but not to state or local income tax. any federal estate, gift, and excise taxes as well as any state estate or inheritance taxes. How is income from bonds taxed? US Treasuries, bonds issued by the US Dept. of the Treasury,...Sun, 27 Sep 2026 13:51:28 -0400https://packersvsjets.nram.edu.bd/do-i-pay-taxes-on-unclaimed-funds.htmlhttps://packersvsjets.nram.edu.bd/do-i-pay-taxes-on-unclaimed-funds.htmlUnderstanding Unclaimed Funds Unclaimed property is not taxed while it is filed as unclaimed; however, when it is reclaimed, the property may be officially recognized as taxable income. Some unclaimed funds such as investments from a 401(k) or an IRA can be reclaimed tax-free. How do I find unclaime...Sun, 27 Sep 2026 13:37:35 -0400https://packersvsjets.nram.edu.bd/how-do-i-resubmit-my-tax-return-on-taxact.htmlhttps://packersvsjets.nram.edu.bd/how-do-i-resubmit-my-tax-return-on-taxact.htmlFrom within your TaxAct return (Online or Desktop), click on the Filing tab. On smaller devices, click in the upper left-hand corner, then choose Filing. Click on Amend Federal Return. The program will proceed with the interview questions for you to enter the appropriate information to complete the ...Sun, 27 Sep 2026 13:25:23 -0400https://packersvsjets.nram.edu.bd/how-do-i-start-a-general-business.htmlhttps://packersvsjets.nram.edu.bd/how-do-i-start-a-general-business.htmlFirst, define your business Put together a very high level and basic business plan. Come up with a name. Buy your domain name. Secure social media accounts. Develop a brand identity. Set up a G Suite account. Create a basic, foundational website. Get some business cards. How do I kick start m...Sun, 27 Sep 2026 13:12:54 -0400https://packersvsjets.nram.edu.bd/why-does-a-person-refinance.htmlhttps://packersvsjets.nram.edu.bd/why-does-a-person-refinance.htmlTo obtain a lower interest rate. To shorten the term of their mortgage. To convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or vice versa. To tap into home equity to raise funds to deal with a financial emergency, finance a large purchase, or consolidate debt. Is refinancing ...Sun, 27 Sep 2026 13:04:11 -0400https://packersvsjets.nram.edu.bd/is-a-fire-department-a-government-entity.htmlhttps://packersvsjets.nram.edu.bd/is-a-fire-department-a-government-entity.htmlFire and Rescue NSW (FRNSW) is the State Government agency responsible for the provision of fire, rescue and hazmat services in cities and towns across New South Wales in accordance with the Fire and Rescue NSW Act 1989 [external link], the State Emergency and Rescue Management Act 1989 [external li...Sun, 27 Sep 2026 13:01:59 -0400https://packersvsjets.nram.edu.bd/can-you-deduct-100-charitable-contributions.htmlhttps://packersvsjets.nram.edu.bd/can-you-deduct-100-charitable-contributions.htmlIndividuals may deduct qualified contributions of up to 100 percent of their adjusted gross income. A corporation may deduct qualified contributions of up to 25 percent of its taxable income. Contributions that exceed that amount can carry over to the next tax year. Can you write off as contribution...Sun, 27 Sep 2026 12:48:37 -0400https://packersvsjets.nram.edu.bd/where-do-i-report-gains-on-like-kind-exchange.htmlhttps://packersvsjets.nram.edu.bd/where-do-i-report-gains-on-like-kind-exchange.htmlExample of a Like-Kind Exchange Gain recognized because boot—cash, liabilities, or other property that is not like-kind and that is given or received in a like-kind exchange—was received is reported on Form 8949, Schedule D (Form 1040), or Form 4797, as applicable. Use Parts I, II, and III of Form 8...Sun, 27 Sep 2026 12:36:42 -0400https://packersvsjets.nram.edu.bd/what-does-face-value-mean-in-bonds.htmlhttps://packersvsjets.nram.edu.bd/what-does-face-value-mean-in-bonds.htmlIn bond investing, face value (par value) is the amount paid to a bondholder at the maturity date, as long as the bond issuer doesn’t default. Conversely, if interest rates are lower than the bond’s coupon rate, the bond is sold at a premium (above par). Why is bond face value 1000? Par value is the...Sun, 27 Sep 2026 12:23:04 -0400https://packersvsjets.nram.edu.bd/can-you-get-a-dedicated-graphics-card-for-a-laptop.htmlhttps://packersvsjets.nram.edu.bd/can-you-get-a-dedicated-graphics-card-for-a-laptop.htmlIn most cases, it isn’t possible to upgrade a laptop’s graphics card. The vast majority of laptops have integrated graphics, which means the GPU (graphics processing unit) is permanently attached to the motherboard, and not removable as it is in a desktop PC. Which laptops have dedicated graphics ca...Sun, 27 Sep 2026 11:51:51 -0400https://packersvsjets.nram.edu.bd/is-a-home-equity-loan-open-or-closed-end.htmlhttps://packersvsjets.nram.edu.bd/is-a-home-equity-loan-open-or-closed-end.htmlClosed-end (fixed) home equity loans are closed-end loans secured by the member’s dwelling. These types of loans are often referred to as second mortgage loans, even though they may not be in second lien position. The federal Truth in Lending Act governs all consumer credit transactions. What is a c...Sun, 27 Sep 2026 11:18:54 -0400https://packersvsjets.nram.edu.bd/what-information-is-needed-for-1099s.htmlhttps://packersvsjets.nram.edu.bd/what-information-is-needed-for-1099s.htmlGather the required information Before you can complete and submit a 1099, you’ll need to have the following information on hand for each independent contractor: The total amount you paid them during the tax year. Their legal name. Their address. How do I enter a 1099 s in Turbotax? Form 1099 S is e...Sun, 27 Sep 2026 10:53:04 -0400https://packersvsjets.nram.edu.bd/do-you-report-us-income-on-canadian-tax-return.htmlhttps://packersvsjets.nram.edu.bd/do-you-report-us-income-on-canadian-tax-return.htmlWhether you live in Canada or are a deemed resident of Canada who lives in another country, you have to report all of your international income on your return. However, you may be able to claim a credit for any foreign tax you have paid on your income. Are T4 slips sent to CRA? Report the income and...Sun, 27 Sep 2026 10:40:56 -0400https://packersvsjets.nram.edu.bd/where-did-russians-migrate-during-the-cold-war.htmlhttps://packersvsjets.nram.edu.bd/where-did-russians-migrate-during-the-cold-war.htmlMigrants from Russia flowed to Ukraine and Belarus for postwar reconstruction and development, to the Baltic republics, to Kazakhstan for the development of fallow land, and to Central Asia to build newly industrialized economies. Where did Russian immigrants live? These groups mainly settled in coa...Sun, 27 Sep 2026 10:06:05 -0400https://packersvsjets.nram.edu.bd/how-long-does-it-take-to-get-social-security-retirement-after-you-appl.htmlhttps://packersvsjets.nram.edu.bd/how-long-does-it-take-to-get-social-security-retirement-after-you-appl.htmlYou’d then receive your first Social Security check four months later—the month after your 62nd birthday. While it typically takes several weeks to process a new application, some may be approved in the same month that you apply. What happens if I apply for Social Security too early? You can expect ...Sun, 27 Sep 2026 09:19:05 -0400https://packersvsjets.nram.edu.bd/are-501c3-exempt-from-sales-tax-in-north-carolina.htmlhttps://packersvsjets.nram.edu.bd/are-501c3-exempt-from-sales-tax-in-north-carolina.htmlUnder current law, 501(c)(3) nonprofits pay sales tax when they purchase goods and services in North Carolina. Generally, these nonprofits are eligible to apply to the N.C. Department of Revenue (DOR) for semi-annual refunds of the sales and use taxes they have paid. Are non profit organization exem...Sun, 27 Sep 2026 09:13:15 -0400https://packersvsjets.nram.edu.bd/is-your-nationality-where-you-were-born-or-your-parents-uk.htmlhttps://packersvsjets.nram.edu.bd/is-your-nationality-where-you-were-born-or-your-parents-uk.htmlIn the UK you do not become a national by being born there – but if you are born there and remain there you have a right to apply for nationality when you are older. Can I live in the UK if my parents were born there? Your mother or father must have been a citizen of the United Kingdom and Colonies ...Sun, 27 Sep 2026 08:36:34 -0400https://packersvsjets.nram.edu.bd/is-gold-and-silver-bullion-taxable.htmlhttps://packersvsjets.nram.edu.bd/is-gold-and-silver-bullion-taxable.htmlCalifornia sales tax is collected on specific products only. Any single sales transaction consisting of monetized bullion, nonmonetized gold or silver bullion, or numismatic coins when the total sale value is less than $1,500 USD. Do I pay tax on gold bullion? The reason: The U.S. Internal Revenue S...Sun, 27 Sep 2026 08:14:44 -0400https://packersvsjets.nram.edu.bd/why-did-i-get-a-bill-from-franchise-tax-board.htmlhttps://packersvsjets.nram.edu.bd/why-did-i-get-a-bill-from-franchise-tax-board.htmlWhy you received this notice You have a past due California income tax debt. If the debt is not paid in full, we will submit the debt to the U.S. Treasury Offset Program. This allows us to offset eligible federal tax payments due to you (such as your federal tax refund) and may result in an addition...Sun, 27 Sep 2026 08:08:12 -0400https://packersvsjets.nram.edu.bd/what-are-tax-exempt-groups.htmlhttps://packersvsjets.nram.edu.bd/what-are-tax-exempt-groups.htmlExempt Organization Types Charitable Organizations. Churches and Religious Organizations. Private Foundations. Political Organizations. Other Nonprofits. What taxes are tax exempt organizations exempt from? Nonprofits are also exempt from paying sales tax and property tax. While the income of a nonp...Sun, 27 Sep 2026 08:00:52 -0400https://packersvsjets.nram.edu.bd/how-long-does-a-bridging-loan-take-to-process.htmlhttps://packersvsjets.nram.edu.bd/how-long-does-a-bridging-loan-take-to-process.htmlHow long does it take to arrange? Bridging loans can be arranged within a matter of hours with funds released within 72 hours although usually this takes a bit longer and can take a couple of weeks. When must a bridge loan be paid? Open bridging loans. With an open loan, there is no fixed repayment ...Sun, 27 Sep 2026 07:58:46 -0400https://packersvsjets.nram.edu.bd/do-you-pay-estate-tax-on-inherited-stock.htmlhttps://packersvsjets.nram.edu.bd/do-you-pay-estate-tax-on-inherited-stock.htmlYou are not liable for taxes on the inherited value of stocks you receive from someone who died. The estate of the deceased person takes care of any tax issues, and once you have received stock as part of an inheritance, the stock is yours without any taxes due. How do you establish cost basis for i...Sun, 27 Sep 2026 07:51:49 -0400https://packersvsjets.nram.edu.bd/can-an-ex-spouse-be-a-beneficiary.htmlhttps://packersvsjets.nram.edu.bd/can-an-ex-spouse-be-a-beneficiary.htmlIn addition to settlement agreements, when it comes to certain legal and financial documents, such as wills and insurance policies, an ex-spouse or his or her family may remain beneficiaries despite a divorce having been finalized. Can life insurance beneficiaries be contested? Any person with a val...Sun, 27 Sep 2026 07:38:01 -0400https://packersvsjets.nram.edu.bd/can-i-be-a-resident-of-one-state-and-my-wife-another.htmlhttps://packersvsjets.nram.edu.bd/can-i-be-a-resident-of-one-state-and-my-wife-another.htmlMany taxpayers are surprised to learn California even allows separate residency status for spouses. But in fact, there is no such thing as “marital” residency. Residency status always belongs to an individual, whether married or not. Can a married couple file jointly if they live in different states...Sun, 27 Sep 2026 07:16:54 -0400https://packersvsjets.nram.edu.bd/what-is-an-example-of-a-branch-office.htmlhttps://packersvsjets.nram.edu.bd/what-is-an-example-of-a-branch-office.htmlFor example, Starbucks has branch offices to better serve its retail stores’ district managers in a more cost-effective manner. They can also cater to and be more informed about the needs of specific locations, rolling out location-specific items or adjusting staff. What is a branch establishment? B...Sun, 27 Sep 2026 07:13:29 -0400https://packersvsjets.nram.edu.bd/what-is-schedule-d-and-form-8949.htmlhttps://packersvsjets.nram.edu.bd/what-is-schedule-d-and-form-8949.htmlUse Form 8949 to reconcile amounts that were reported to you and the IRS on Form 1099-B or 1099-S (or substitute statement) with the amounts you report on your return. The subtotals from this form will then be carried over to Schedule D (Form 1040), where gain or loss will be calculated in aggregate...Sun, 27 Sep 2026 07:10:18 -0400https://packersvsjets.nram.edu.bd/what-qualifies-as-a-first-time-home-buyer-in-arizona.htmlhttps://packersvsjets.nram.edu.bd/what-qualifies-as-a-first-time-home-buyer-in-arizona.htmlProperty requirements: Must be a single- or two-family home, condominium, townhome or manufactured home. Must be in Arizona….HOME+PLUS 640 minimum credit score. Maximum 45 percent to 50 percent debt-to-income ratio, depending on loan type. Annual income under $109,965. Must complete homebuyer educat...Sun, 27 Sep 2026 07:04:43 -0400https://packersvsjets.nram.edu.bd/can-i-get-disability-for-keratoconus.htmlhttps://packersvsjets.nram.edu.bd/can-i-get-disability-for-keratoconus.htmlIs Keratoconus a Disability? Keratoconus eye disease could cause loss of visual acuity that is severe enough to be considered a disability. Keratoconus is not a disability, but vision loss caused by keratoconus may be severe enough to qualify as a disability. What prescription strength is legally bl...Sun, 27 Sep 2026 07:02:12 -0400https://packersvsjets.nram.edu.bd/can-you-1099-a-personal-assistant.htmlhttps://packersvsjets.nram.edu.bd/can-you-1099-a-personal-assistant.htmlRecently, one client inquired, “Can my assistant be an independent contractor?” The short answer is NO. Under current law, there are no circumstances under which someone who is an assistant should be classified as an independent contractor. Is personal assistant 1099 or w2? They get a 1099-MISC rath...Sun, 27 Sep 2026 06:51:46 -0400https://packersvsjets.nram.edu.bd/can-a-musician-be-self-employed.htmlhttps://packersvsjets.nram.edu.bd/can-a-musician-be-self-employed.htmlMost working musicians are considered “self-employed” regarding filing their taxes. In a legal and taxpaying sense this means that your “business” as a musician and you as an individual taxpayer are one and the same. All these forms are part of the year-end 1040 income tax filing. How many musicians...Sun, 27 Sep 2026 06:27:20 -0400https://packersvsjets.nram.edu.bd/does-a-12-year-old-need-a-nanny.htmlhttps://packersvsjets.nram.edu.bd/does-a-12-year-old-need-a-nanny.htmlWhat happens if you’ve got two children, for example, a 12-year-old and an 8-year-old? Your 12-year-old is mature enough to leave home alone. Someone needs to be in charge, so they’ll need to take on the role of babysitter to keep the younger child under control. How much should a nanny make watchin...Sun, 27 Sep 2026 05:43:33 -0400https://packersvsjets.nram.edu.bd/does-filing-an-extension-trigger-an-audit.htmlhttps://packersvsjets.nram.edu.bd/does-filing-an-extension-trigger-an-audit.htmlIn fact, getting a tax extension can actually reduce your chances of facing an IRS audit. While no one outside the IRS can say for sure how the audit selection process works, it is safe to say that a tax extension does not do anything to trigger an audit. What are the benefits of filing an extension...Sun, 27 Sep 2026 05:36:27 -0400https://packersvsjets.nram.edu.bd/how-do-i-get-funding-for-my-first-business.htmlhttps://packersvsjets.nram.edu.bd/how-do-i-get-funding-for-my-first-business.htmlDetermine how much funding you’ll need. Fund your business yourself with self-funding. Get venture capital from investors. Use crowdfunding to fund your business. Get a small business loan. Use Lender Match to find lenders who offer SBA-guaranteed loans. SBA investment programs. Can I get funding fo...Sun, 27 Sep 2026 05:19:30 -0400https://packersvsjets.nram.edu.bd/what-benefits-can-a-first-time-home-buyer-get.htmlhttps://packersvsjets.nram.edu.bd/what-benefits-can-a-first-time-home-buyer-get.htmlYou may be eligible for a $10,000 grant under the First Home Owner Grant (New Homes) scheme. The scheme is managed by Revenue NSW. You can apply for the scheme when you arrange finance to buy your home. The bank or financial institution providing you with a loan will need to be an approved agent. Is...Sun, 27 Sep 2026 05:10:46 -0400https://packersvsjets.nram.edu.bd/what-happens-if-you-withdraw-the-money-before-you-are-60.htmlhttps://packersvsjets.nram.edu.bd/what-happens-if-you-withdraw-the-money-before-you-are-60.htmlAn early withdrawal is generally a distribution you take before you reach age 59 ½. You may be subject to a 10% tax penalty for early withdrawal, in addition to any federal and state income tax on the withdrawal. How much money does the average 35 year old have saved? Not quite there yet? Join the c...Sun, 27 Sep 2026 04:50:43 -0400https://packersvsjets.nram.edu.bd/what-is-the-current-federal-tax-code.htmlhttps://packersvsjets.nram.edu.bd/what-is-the-current-federal-tax-code.htmlTitle 26 of the U.S. Code contains nearly all of the federal tax laws. This title is commonly referred to as the “Internal Revenue Code” (IRC) or sometimes simply as “The Code.” The current version is the Internal Revenue Code of 1986, as amended. What is a IRC number? The Internal Revenue Code (IRC...Sun, 27 Sep 2026 04:47:59 -0400https://packersvsjets.nram.edu.bd/does-merrill-edge-have-bonds.htmlhttps://packersvsjets.nram.edu.bd/does-merrill-edge-have-bonds.htmlMerrill offers direct access to a broad array of bonds and other fixed-income securities. Can I cash a savings bond at Bank of America? To redeem your savings bond, the best place to start is the same place where you have a checking account. For example, at Bank of America, customers who have had a ...Sun, 27 Sep 2026 04:19:19 -0400https://packersvsjets.nram.edu.bd/can-i-sell-insurance-independently.htmlhttps://packersvsjets.nram.edu.bd/can-i-sell-insurance-independently.htmlOn the downside, independent insurance agents are generally not allowed to sell policies offered by the companies which rely on captive agents, which often sell their policies through their own agents exclusively. Independent agents are, therefore, able to sell insurance policies from multiple compa...Sun, 27 Sep 2026 04:01:12 -0400https://packersvsjets.nram.edu.bd/how-do-i-start-an-online-part-time-business.htmlhttps://packersvsjets.nram.edu.bd/how-do-i-start-an-online-part-time-business.htmlFew recommended online business ideas are given below. Blogging. A blogging is one of the best online part time business. Online Store. Another part time business is establishing an online store. Affiliate Marketing. Social Media Expert. Virtual Assistant. Website Designer or SEO Expert. How do...Sun, 27 Sep 2026 03:58:57 -0400https://packersvsjets.nram.edu.bd/what-is-a-good-salary-for-knoxville-tn.htmlhttps://packersvsjets.nram.edu.bd/what-is-a-good-salary-for-knoxville-tn.htmlAbout Knoxville, TN The average salary in Knoxville, TN is $60k. What is a livable wage in Knoxville Tennessee? Living Wage Calculation for Knox County, Tennessee 1 ADULT 0 Children 2 Children Living Wage $13.01 $32.72 Poverty Wage $6.13 $10.44 Minimum Wage $7.25 $7.25 How much do you need to make...Sun, 27 Sep 2026 03:56:45 -0400https://packersvsjets.nram.edu.bd/is-the-non-custodial-parent-responsible-for-health-insurance.htmlhttps://packersvsjets.nram.edu.bd/is-the-non-custodial-parent-responsible-for-health-insurance.htmlIf a parent is required to provide health insurance coverage for the child and fails to do so, that parent is responsible for all of the costs that would have been covered by health insurance. Does non-custodial parent have to pay for health insurance Texas? Under Texas law (Texas Family Code § 154....Sun, 27 Sep 2026 03:51:46 -0400https://packersvsjets.nram.edu.bd/will-pa-get-rid-of-inheritance-tax.htmlhttps://packersvsjets.nram.edu.bd/will-pa-get-rid-of-inheritance-tax.htmlAs a refresher, Pennsylvania has an inheritance tax on most assets that are transferred at the time of your death if they are going to anyone besides a spouse or a charity. There is also no inheritance tax if a child under age 21 dies and leaves their estate to their parent or step-parent. What happ...Sun, 27 Sep 2026 03:45:04 -0400https://packersvsjets.nram.edu.bd/can-you-gift-a-spouse-tax-free.htmlhttps://packersvsjets.nram.edu.bd/can-you-gift-a-spouse-tax-free.htmlThe annual exclusion also is per person, which means that if you’re married, you and your spouse could give away a combined $30,000 a year to whomever without having to file a gift tax return. Gifts between spouses are unlimited and generally don’t trigger a gift tax return. Do both spouses have to ...Sun, 27 Sep 2026 03:38:10 -0400https://packersvsjets.nram.edu.bd/what-happens-to-my-irs-direct-deposit-if-my-previous-bank-is-closed.htmlhttps://packersvsjets.nram.edu.bd/what-happens-to-my-irs-direct-deposit-if-my-previous-bank-is-closed.htmlWhat happens if my bank account is closed before my tax refund direct deposit is made? If the account is closed, the bank will reject the refund. Once we receive the refund back from the bank, the Comptroller’s Office will issue a paper check and mail it to you. Does the IRS know when you change ban...Sun, 27 Sep 2026 03:26:27 -0400https://packersvsjets.nram.edu.bd/is-working-for-melaleuca-legit.htmlhttps://packersvsjets.nram.edu.bd/is-working-for-melaleuca-legit.htmlMelaleuca is a great company to work for. If you are a performer and want to make a difference this is the place to be. Put the time in, take on the challenging projects, and you’ll be recognized and rewarded. Melaleuca is a tribal knowledge culture. Is the wellness company a pyramid scheme? The com...Sun, 27 Sep 2026 03:20:43 -0400https://packersvsjets.nram.edu.bd/can-a-holding-company-own-stocks.htmlhttps://packersvsjets.nram.edu.bd/can-a-holding-company-own-stocks.htmlA holding company is a parent business entity—usually a corporation or LLC—that doesn’t manufacture anything, sell any products or services, or conduct any other business operations. The holding company can own 100% of the subsidiary, or it can own just enough stock or membership interests to contro...Sun, 27 Sep 2026 03:19:52 -0400https://packersvsjets.nram.edu.bd/what-is-the-best-day-to-play-slot-machines.htmlhttps://packersvsjets.nram.edu.bd/what-is-the-best-day-to-play-slot-machines.htmlUsually, the best time that you can choose to go to a casino is when the venue is as busy as possible, which means that Friday and Saturday nights, after 8:00 pm is your time. Of course, you can give it a try and ask someone from the staff which is the best time or day to play slots too. Do slot mac...Sun, 27 Sep 2026 03:03:09 -0400https://packersvsjets.nram.edu.bd/does-paying-cash-for-a-house-help-the-seller.htmlhttps://packersvsjets.nram.edu.bd/does-paying-cash-for-a-house-help-the-seller.htmlBenefits of Cash Paying cash for a home eliminates the need to pay interest on the loan and any closing costs. These benefits to the seller shouldn’t come without a price. “A cash buyer might be able to obtain the property for a lower price and receive a ‘cash discount’ of sorts,” says Grabel. Who p...Sun, 27 Sep 2026 03:00:45 -0400https://packersvsjets.nram.edu.bd/can-i-pay-monthly-for-solar-panels.htmlhttps://packersvsjets.nram.edu.bd/can-i-pay-monthly-for-solar-panels.htmlPaying for your solar panel system on finance lets you spread the costs by splitting it into manageable monthly payments. 0% APR means you’ll pay no interest charges so all you’re paying for is the solar panels and the cost of installation. Is it smart to pay off solar panels? SOLAR PANELS // 7-20 Y...Sun, 27 Sep 2026 02:55:39 -0400https://packersvsjets.nram.edu.bd/which-of-the-following-records-must-a-tax-professional-keep.htmlhttps://packersvsjets.nram.edu.bd/which-of-the-following-records-must-a-tax-professional-keep.htmlThe preparer must retain the records involved in the determination of the credits or Head of Household status, including a copy of the Form 8867, any worksheets or calculations used to determine the amounts, and a record of how and when the information used to complete Form 8867 was obtained. Which ...Sun, 27 Sep 2026 02:10:50 -0400https://packersvsjets.nram.edu.bd/can-you-short-sale-a-motorhome.htmlhttps://packersvsjets.nram.edu.bd/can-you-short-sale-a-motorhome.htmlIf you have an RV listed for short sale, it usually sells at a lower price. A short sale occurs because you are facing financial difficulties and can’t afford to make regular payments toward your RV loan. Selling the RV as soon as possible reduces your debt and minimizes your lender’s losses. In a s...Sun, 27 Sep 2026 02:09:50 -0400https://packersvsjets.nram.edu.bd/are-second-mortgages-still-tax-deductible.htmlhttps://packersvsjets.nram.edu.bd/are-second-mortgages-still-tax-deductible.htmlHomeowners can deduct the interest on a second mortgage that is related to home equity debt only if the loan was used to acquire, build, or substantially improve a main or second home. What is a second position mortgage? A second mortgage or junior-lien is a loan you take out using your house as col...Sun, 27 Sep 2026 02:08:05 -0400https://packersvsjets.nram.edu.bd/how-can-i-advise-my-brother.htmlhttps://packersvsjets.nram.edu.bd/how-can-i-advise-my-brother.htmlAdvice for my little brother It’s ok to cry! Don’t bottle things up. Surround yourself with positive people. Treat everyone with respect, and be honest. Have fun but be safe. Don’t worry about the future. How do I solve the problem with my brothers? How to Handle Sibling Fighting First, teach ki...Sun, 27 Sep 2026 02:07:04 -0400https://packersvsjets.nram.edu.bd/how-did-disability-insurance-start.htmlhttps://packersvsjets.nram.edu.bd/how-did-disability-insurance-start.htmlMonthly disability insurance benefits were first established by the Social Security Amendments of 1956. Benefits were provided for disabled insured workers between the ages of 50 and 65 and for disabled children of retired or deceased insured workers if the child was disabled before age 18. What are...Sun, 27 Sep 2026 02:00:17 -0400https://packersvsjets.nram.edu.bd/can-a-private-foundation-receive-a-grant.htmlhttps://packersvsjets.nram.edu.bd/can-a-private-foundation-receive-a-grant.htmlCan a private foundation make a grant to an organization other than a public charity? Yes, it can. However, a private foundation can make a grant to any organization (including section 501(c)(6) organizations) for bona fide section 501(c)(3) charitable purposes, so long as it engages in “expenditure...Sun, 27 Sep 2026 01:41:57 -0400https://packersvsjets.nram.edu.bd/can-i-claim-my-18-year-old-for-earned-income-credit.htmlhttps://packersvsjets.nram.edu.bd/can-i-claim-my-18-year-old-for-earned-income-credit.htmlYou may qualify for CalEITC if: You’re at least 18 years old or have a qualifying child. You have earned income within certain limits. At what age does a child stop qualifying for earned income credit? Kids and the Earned Income Tax Credit The child must be under 19 at the end of the year and younge...Sun, 27 Sep 2026 01:31:28 -0400https://packersvsjets.nram.edu.bd/do-you-have-to-pay-for-ein-number-for-business.htmlhttps://packersvsjets.nram.edu.bd/do-you-have-to-pay-for-ein-number-for-business.htmlIt’s free to apply for an EIN, and you should do it right after you register your business. Your business needs a federal tax ID number if it does any of the following: Files tax returns for employment, excise, or alcohol, tobacco, and firearms. Withholds taxes on income, other than wages, paid to a...Sun, 27 Sep 2026 01:10:11 -0400https://packersvsjets.nram.edu.bd/how-do-i-check-ownership-of-a-boat.htmlhttps://packersvsjets.nram.edu.bd/how-do-i-check-ownership-of-a-boat.htmlHow to check Select the ‘Check online’ button. Read the disclaimer information. Enter the vessel’s NSW registration number, without any spaces or dots. Select the ‘search’ icon. Review the registration details. How much weight will a 14 foot jon boat hold? As boat length increases the weight capacit...Sun, 27 Sep 2026 00:52:24 -0400https://packersvsjets.nram.edu.bd/are-townhomes-considered-single-family-homes.htmlhttps://packersvsjets.nram.edu.bd/are-townhomes-considered-single-family-homes.htmlPerhaps the most obvious difference between a townhouse vs. single family home is the structure. Townhouses are attached to one another, with each having at least one shared wall with adjacent townhomes. Single-family homes are freestanding, typically on a plot of land that also belongs to the homeo...Sun, 27 Sep 2026 00:34:39 -0400https://packersvsjets.nram.edu.bd/how-much-does-the-typical-visitor-spend-during-their-visit-to-the-usa.htmlhttps://packersvsjets.nram.edu.bd/how-much-does-the-typical-visitor-spend-during-their-visit-to-the-usa.htmlThe average American spends $6,080 on international trips. Inbound overseas tourists stay an average of 18 nights and spend $4,200 while in America. Overseas travellers account for 84% of international tourist spend, despite being half of all international arrivals. How much does the average America...Sun, 27 Sep 2026 00:20:12 -0400https://packersvsjets.nram.edu.bd/can-ex-wife-claim-my-pension-years-after-divorce-in-florida.htmlhttps://packersvsjets.nram.edu.bd/can-ex-wife-claim-my-pension-years-after-divorce-in-florida.htmlIn Florida, any property acquired during marriage, including a pension or 401(k) plan, needs to be split equitably between you and your spouse. A spouse only has a legal claim to pension benefits that accrue during the marriage. At what age can you retire in Florida? Currently, the full benefit age ...Sun, 27 Sep 2026 00:01:11 -0400https://packersvsjets.nram.edu.bd/do-dealers-make-more-money-on-used-cars.htmlhttps://packersvsjets.nram.edu.bd/do-dealers-make-more-money-on-used-cars.htmlGenerally, dealerships make the most money selling used cars. In a nutshell, there is a lot more variation among used cars than among new cars, making it harder for buyers to comparison shop and easier for dealerships to hide profit. Contrary to popular belief, the profit margin on most new cars is ...Sat, 26 Sep 2026 23:58:45 -0400https://packersvsjets.nram.edu.bd/who-can-hold-a-fundraiser.htmlhttps://packersvsjets.nram.edu.bd/who-can-hold-a-fundraiser.htmlAny community non-profit organizations are eligible to organize and hold a fundraiser. Examples are, but not limited to: Sports Teams/Squads, Church Groups, Booster Clubs/PTA’s, Charity events, Schools, etc. Can a business hold a fundraiser? You can hold a fundraiser for the business — but you must ...Sat, 26 Sep 2026 23:47:42 -0400https://packersvsjets.nram.edu.bd/how-did-jonathan-help-david.htmlhttps://packersvsjets.nram.edu.bd/how-did-jonathan-help-david.htmlWhen David became a member of Saul’s household and won many victories against the Philistines, he and Jonathan became close friends. Saul tried to enlist Jonathan’s aid to kill David, but Jonathan remained David’s friend and warned him of Saul’s anger so that David hid. What were the last words said...Sat, 26 Sep 2026 23:10:42 -0400https://packersvsjets.nram.edu.bd/does-wife-have-to-be-on-home-loan.htmlhttps://packersvsjets.nram.edu.bd/does-wife-have-to-be-on-home-loan.htmlA husband and wife equally share all financial gains and debts acquired during their marriage in California, a community property state. When it comes to a mortgage, or home loan, state law gives spouses equal ownership interest in real estate. Both spouses do not need to apply for a home loan toget...Sat, 26 Sep 2026 22:37:46 -0400https://packersvsjets.nram.edu.bd/what-role-do-pharmacist-play-in-combating-addiction.htmlhttps://packersvsjets.nram.edu.bd/what-role-do-pharmacist-play-in-combating-addiction.htmlPharmacists are most often the first healthcare professional or person in general to identify potential or chronic substance abuse cases. For this reason, they’re well-positioned to play a crucial role in fighting substance abuse through prevention, education, and awareness of assistance programs. H...Sat, 26 Sep 2026 22:22:53 -0400https://packersvsjets.nram.edu.bd/what-ways-can-someone-send-you-money.htmlhttps://packersvsjets.nram.edu.bd/what-ways-can-someone-send-you-money.htmlHere are eight ways you can send money to family and friends fast. Zelle. Fees: None. Venmo. Fees: 3% fee when using a credit card; other payment methods are free. PayPal. Fees: None for U.S. transfers funded by PayPal balance or a linked bank account. Cash App. Google Pay. Apple Pay. 7. Faceb...Sat, 26 Sep 2026 22:15:41 -0400https://packersvsjets.nram.edu.bd/what-is-a-mid-quarter-convention.htmlhttps://packersvsjets.nram.edu.bd/what-is-a-mid-quarter-convention.htmlHere’s the deal: per the federal tax law, the mid-quarter convention allows businesses to take depreciation deductions on fixed assets used in the conduct of a trade or business acquired during a reporting quarter as though they were acquired at the mid-point of the quarter. What is the difference b...Sat, 26 Sep 2026 22:12:58 -0400https://packersvsjets.nram.edu.bd/what-am-i-entitled-to-when-working-full-time.htmlhttps://packersvsjets.nram.edu.bd/what-am-i-entitled-to-when-working-full-time.htmlA full-time employee: usually works, on average, 38 hours each week (see hours of work) can be a permanent employee or on a fixed-term contract. is entitled to paid leave including annual leave and sick & carer’s leave. How many hours does a full-time worker work in Australia? 38 hours In Austra...Sat, 26 Sep 2026 21:58:28 -0400https://packersvsjets.nram.edu.bd/what-services-do-nursing-care-provide.htmlhttps://packersvsjets.nram.edu.bd/what-services-do-nursing-care-provide.htmlNursing homes (otherwise sometimes called Residential Nursing Homes / care homes with nursing) – equally provide 24 hour care and support, as above, but with added nursing care and assistance for residents who require input from and supervision by a registered nurse, who is in situ to devise and mon...Sat, 26 Sep 2026 21:33:48 -0400https://packersvsjets.nram.edu.bd/what-is-it-called-when-people-run-their-own-business.htmlhttps://packersvsjets.nram.edu.bd/what-is-it-called-when-people-run-their-own-business.htmlThe definition of an entrepreneur is a person who takes an idea, product or service and does whatever is necessary to introduce it to the marketplace where it can produce revenue. A person who starts his or her own business. The entrepreneur assumes the risk but stands to gain the profits. Who organ...Sat, 26 Sep 2026 21:23:00 -0400https://packersvsjets.nram.edu.bd/how-are-wills-usually-written.htmlhttps://packersvsjets.nram.edu.bd/how-are-wills-usually-written.htmlThe will must be in writing. While about half the states allow handwritten, also called holographic, wills, a pre-printed or typewritten document is preferred. The testator must sign and date the will in front of witnesses who are at least 18 years old. Some states require two witnesses, while other...Sat, 26 Sep 2026 20:51:07 -0400https://packersvsjets.nram.edu.bd/how-do-you-say-happy-new-year-to-your-girlfriend.htmlhttps://packersvsjets.nram.edu.bd/how-do-you-say-happy-new-year-to-your-girlfriend.htmlHappy new year in advance to the most loving girlfriend. Happy New Year to the most wonderful, most beautiful and the most important person in my life. I love you truly, my darling. This year has been the best of my life because I have the heart of the most beautiful woman of the world and now I’m r...Sat, 26 Sep 2026 20:44:31 -0400