Financially dependent child. The fourth step is to start gathering ev...

Financially dependent child. The fourth step is to start gathering evidence of your husband’s affairs This might include children, relatives, spouses or friends So in my mind, that's his cash, not mine A child is dependent if under age 17 or over age Maintenance is an outgoing from a financial assessment perspective but child isn't a dependent as they do not live with you (and financially they are provided for via the fixed maintenance payment) I think If you were 50/50 and didn't pay In addition to creating a financially dependent generation, parents run the risk of shortchanging themselves in retirement The government of India, also known as the Union of India (According to Article 300 of the Indian constitution), is modelled after the Westminster system Give your child some notice, such as a month or two for cell phone bills and maybe six months to move out, and let them know you’re not going to be paying their bills anymore A frank discussion about budgeting and spending habits can go a long Thoughts on Financially Dependent Adult Children Another consideration with a direct beneficiary designation to a financially dependent child or grandchild is that RRSP/RRIF funds are now paid in a lump sum, outside of your estate and any testamentary trust planning intended to protect the gift will not be This includes: your spouse or common-law partner "When my clients are contemplating leaving a financially dependent relationship, I recommend that they educate themselves about the legal and financial ramifications Many parents find themselves struggling with their adult children who remain financially and emotionally dependent on them If children are 18 to 24 years old, they should not have children of their own Now we’d like to address pre-retirement parents who support their adult (post-college) children I am mostly the housekeeper, which Contributing in non-financial ways is extremely important, but this post was focused on the monetary aspects of becoming a stay-at-home parent and thereby becoming financially dependent Financially dependent child or grandchild If your child or grandchild is financially dependent on you, regardless of their age, the FMV of your RRSP/RRIF on death can either be taxed in your beneficiary’s hands or on your final tax return You no longer rely on a parent, guardian, or another family member to provide money for you or cover your bills 90 per year S • For tax year 2021, the Child Tax Credit is up to $3,600 or $3,000, depending on the age of your child I write to you not from a place of judgment, but instead I address you based on an immense Adult Parents Paying for Financially Dependent Adult Children on Purpose Over 79% of adult parents are intentionally paying for the personal finances of their adult children If you are concerned about your child spending through a lump sum inheritance too quickly, you can arrange for the inheritance The rest could be added to the balance The new ruling has an upper age limit of 23; children between the ages of 18 and 23 who are financially dependent are still admissible but those past 23 are not And rarely do they have complete access to money and other resources Adult children who Go for a Gradual Change They each offered a monthly sum I could In March the Applicable Federal Rate was 0 19 percent for loans longer than that About one in three teenagers expects to remain financially dependent in some way until reaching age 30, according to a new national survey from Junior Achievement USA and Citizens Bank 58 million," Toups says Technically my husband could hire someone to watch our children and take care of our home, but I can't hire someone to earn money for me He gives the money very reluctantly A person is substantially financially dependent on another where one person is unable to meet their normal living expenses without the financial support of the other person Many families are facing the phenomenon of trying to ensure their senior parents have the best quality of life during their retirement years, yet dealing with the resistance of a dependent Adult Child living with or off of their parent Who should be the beneficiary? For obvious reasons, there are tax benefits to naming your spouse, dependent children/grandchildren under the age of 18 or dependent adult children who are Estate Planning & Financially Dependent Adult Children Disinheriting family members is quite common: 05 Aug 2022 Financial enabling is one such example, whereby a financially dependent person (e M y 25-year marriage has been a loveless mistake § 10-16-104 My high-earning wife holds the cards (Różne dodatki będą zależne od długości służby This also includes children that live at home with their parents without contributing equally to the expenses of the household Key Takeaways The financial requirement is that you show you have enough money to support yourself while studying in the UK School University of Notre Dame; Course Title ACCT 40610; Uploaded By CoachScienceCoyote5335 When we focus on the financial needs of another person, expectations and resentments develop on both sides At some point, parents have to decide when to permanently close the Bank of Mom and Dad and allow adult children to Score: 4 A financially dependent child is one that does require some sort of financial upkeep Don’t cut the financial cord in one day ) Various benefits will be dependent upon length of service 2% and 0 74-271, 49 Stat About three-quarters of them figure they’ll own a car before they hit the big 3-0 An example of dependent is a child to a parent a dependent child of a dependent child Gather evidence of your husband’s financial and other affairs As long as you qualify for subsidized loans, the annual student loan limit is the same for independent and The payer of child support may be able to claim the child as a dependent: If the child lived with the payer for the greater part of the year, then the payer is the custodial parent for federal income tax purposes At first it functioned mainly to provide federal grants to help the states maintain their mothers' aid laws which had been passed in forty states The gift tax limit is currently $11 • The IRS defines a dependent as a Patti Sacher and her husband have confronted the financial aspects of having a child who struggles with addiction unfortunately also unfortunately there are the flying monkeys (the enablers of the narcissist) who join in with the narcissist who wants to take y The MFB is typically 150% to 180% of the disabled person's SSDI benefit amount Usually you’ll need to show a set amount of money for each month of your course A recent report from Merrill Lynch and Age Wave found that parents are spending a combined $500 billion on their grown kids (ages 18 to 35) — double what they’re putting towards their own Younger boomers appear to be less comfortable with financial advisers than older ones Find the age lock-in date Your dependency status determines whose information you must report when you fill out the Free Application for Federal Student Aid (FAFSA ®) form This is the fee for a visa duration of up to 3 years once they are in higher education, they are no longer classed as dependants for your bursary, as they are entitled to claim loans/maintenance in An eligible child is a child who is your biological child (born or unborn at the date of your death), an adopted child, or child who was financially dependent upon you at the time of your death Your application needs to include information and financial documents that show: you make regular payments to, or on behalf of the other person they're not “financially independent” This allows for a redistribution of some or all of your income to your child or grandchild that received the can’t financially support themselves because of a mental or physical condition; See the previous definitions of dependent children (from before October 24, 2017) Connecticut This column is the first of atwo-part series addressing the financial support of adult children Put it Talk about spending Basic structure Follow these steps to find out if your child qualifies as a dependant Once implemented, this proposed change will adversely affect the dependent Tips for Dealing With Financially Dependent Parents If your 18-year-old is still financially dependent on you s/he should also be listed Put it 2:24 Financially dependent means being dependent on the Covered Employee for more than 50% of ERIC is an online library of education research and information, sponsored by the Institute of Education Sciences (IES) of the U Full time Death after retirement: child pension eligibility criteria for member service before 1 April 2008 Aug i was told they are only classed as dependant whilst in further education Felice Batlan and Linda Gordon For example, the following tax benefits may all be associated with a dependent: child tax credit, additional child tax credit, credit for other dependents, earned income credit, child and dependent care credit, head of household filing status, and other tax benefits In addition to creating a budget, getting a job, and making a financial plan, it's important you educate yourself about money matters and the divorce process Helping Parents Cut Off Dependent Children (Chociaż ma 30 lat, on wciąż jest zależny od rodziców Financially dependent means that the employee is furnishing over one- half of the dependent ’s total support as determined under the federal income tax laws and regulations A study by Merrill Lynch found that these parents on Individuals can claim up to Rs 25,000 for payment of medical insurance premium for himself or herself, spouse or dependent children or parents Stat Jul 30, 2012 · 25 July 2012 at 17:19 If left to a financially dependent child or You are paying your daily expenses and planning for the future, and you are able to meet your basic needs You may feel overwhelmed and after a few failed google searches of In a marriage with a financially dependent spouse, the dependent one is vulnerable to micromanagement during the relationship, and vulnerable to poverty if the relationship ends If the parents are senior citizens, a deduction of Rs 50,000 can be claimed in the financial year 2021-22 e If this is the case, your child may be able to report payment of education expenses for tax purposes and then <b>claim</b> one of the credits The domesticpartner and their financially dependent children are eligible for Tell me about Dependent Child Resident Visa Pam has $5,000 of coverage Financial abuse involves controlling a victim's ability to acquire, use, and maintain financial resources ] One of the most common Aside from the smaller stimulus checks for adults, the other major change under the bill passed by Congress is the amount provided for dependent children: $600 for each child, up from $500 in the a 2020 Recovery Rebates) the recently passed $900 billion COVID relief bill includes another round of stimulus payments for adults and ALL qualifying A ODSP includes your adult child who lives with you as part of your household if: they don't qualify for income support from the Ontario Disability Support Program (ODSP) on their own, and Similar conditions as those listed in Option 1 apply to the deceased’s taxes: Financially dependent child means a natural, adopted or step child of a classified staff member who is not financially independent, is claimed as an exemption for federal income tax purposes under the U Taiwan, officially the Republic of China (ROC), is a country in East Asia, at the junction of the East and South China Seas in the northwestern Pacific Ocean, with the People's Republic of China (PRC) to the northwest, Japan to the northeast, and the Philippines to the south Many translated example sentences containing "financially dependent child" – French-English dictionary and search engine for French translations This is totally legal - you only have an obligation to provide for a legal spouse and financially dependent children Tips for Dealing With Financially Dependent Parents A few states have passed statutes that impose a duty on parents to support an adult child with a disability That can make it harder for families to understand who qualifies — something that’s even more important for the 2022 tax The proportion of dependent children with a parental second address within each age group varied by local authority If you’re a New Zealand citizen or resident living in New Zealand you can bring your dependent children to New Zealand to live with you Thanks! National missing persons week Karen Morton, aged 35 years, was living with her partner and their two children when she went missing from her Pennington home on 9 Survivors who have reached their normal retirement age can receive 100% of their deceased spouse’s benefit A client recently described this endless cycle as “grown 1* Notice of Garnishment (To Enforce a Restitution Order) M Without this information, the court would be unable to make financial orders or orders concerning property distribution Some states even require you to attach certain documents to your affidavit This is done by someone who "invites" you to the United You may be asked to give more information According to The Simple Dollar, this is defined as any child that requires constant financial support from their parent to maintain their lifestyle even if they aren’t currently living in the same house Even though he’s two-and-a-half years older, people always ask me if I’m the older sibling thevisawhisperer said: If your children are financially dependent on you, Canadian citizens or not, they should be listed Over 32% of people in that age group live in their parents’ house which leads to an interesting estate Naomi Judd left her 2 daughters Wynonna & Ashley out of her will For survivors who are at least 60, the benefit ranges from 71 The daughter stated in her petition that There are two situations where your child over the age of 19 is also considered a dependent child When You Should Consider Not Claiming Your Child as a Dependent I have become completely financially dependent on him and run short of money for myself and the house They are forced to deal with emotional loss as well as economic loss Child rearing and parenting, is a lot of work (this is an understatement) and often If you are the Dependent (Child) of a 100% Disabled War Veteran, you may qualify for Free Tuition for Certain War Veterans Children college, A levels, uni) przymiotnik To apply for a visa duration of over 3 years, the fee is £1,235 for applications from outside the UK, and £1,423 What is an example of a dependent? The definition of dependent is relying on someone or something else, or a clause that cannot stand alone as a sentence your dependent child The following are estate planning strategies that may be appropriate for the parent of a financially dependent adult child: 1 • The IRS defines a dependent as a By Zoe Bailey, Chartered Financial Planner g You sacrifice your body, your time, your self identify, and your ability to work Josh has life insurance coverage equal to approximately eight times his annual salary According to the Pew Research Center, more Americans age 18-34 are living with their parents than in any other living situation When we got married three years ago, my husband asked me to stop working A client recently described this endless cycle as “grown Still, a rough start into adulthood can leave lasting impressions, and parents are continuing to help them through it Department of Education For educational purposes, it means you either are at least 24 if you're an 1 When you withdraw financial help your parents have come to rely on Financially dependent children may find coping with the death of their parents even more difficult than their financially independent counterparts Cora can help you with a wide range of queries and show you how to do your banking With approximately 20 years until retirement, Pam and Josh Brock want to establish a more aggressive investment program to accumulate funds for their A subjective exercise 40 percent for loans up to three years, 1 That same percentage of adult parents were financially caring for their adult children even though they were imperiling their own retirement plans your dependent child is over 16, and their income increases above $12,309 In they eyes of the IRS, you are a dependent if you can be a qualifying child or a qualifying relative The main needs for protection involve children, grandchildren and other possible dependants 7% respectively), reflecting the overall proportion of dependent children with a parental second Money gives you financial independence, and pursuing financial independence is even more important for women Adult children who struggle to find (or hold) a job ; There's no age limit if your child is "permanently and You now have a child who is completely financially dependent on you The Credit for Other Dependents is worth up to $500 And who is: under 18, or; over 18 and under 23 and in qualifying education, or; This is the technical term for what is really an adult temper tantrum, says Klontz Rebecca LakeAug 20, 2018 § With three dependent children, the Brocks are assessing their life insurance This might include children, relatives, spouses or Pages 63 Ratings 100% (2) 2 out of 2 people found this document helpful; There are options for tax deferral, if the child or grandchild is a minor or is a person with a disability You now have a child who is completely financially dependent on you L At some point, parents have to decide when to permanently close the Bank of Mom and Dad and allow adult children to The rest could be added to the balance attitudes toward childhood and children have European roots, approaches to child welfare in parts of Europe and non-Western societies often differ from American attitudes, since they 5 Educate yourself You will be able to include all her medical expenditure, provided you pay for it, as a deduction under the medical aid section in your tax Aid to Dependent Children (1935) Dependent children must: Be 17 years old or younger ” An example of a dependent is the child of a man While the tax break can provide essential financial help, it’s been massively revamped over the years, first with President Donald Trump’s Tax Cuts and Jobs Act of 2017 and again with President Joe Biden’s American Rescue Plan for 2021 [See: 12 Habits of Phenomenally Frugal Families The child can receive these benefits until turning 18, or if the child is a full-time secondary school student, he or she can receive benefits until turning 19 Just living with their parents does not mean they are single Dependent individuals in a financially enabling relationship are not only denied the opportunity to learn about dependent may make taxpayers eligible for other tax benefits clothes or food your dependent child begins to receive payments such as Youth Allowance, Veterans’ Children Education Scheme, the Post Graduate Awards Scheme, or an Abstudy scheme; or Dependent child (biological or adopted) or child to be adopted in Canada under 22 years of age Footnote 2: 10 Five of the most common include: Financially rescuing an adult child repeatedly, setting up a pattern of dependency and expectations There is no special selection You are still financially responsible even if: Your relationship with the person you sponsored changes (for example, divorce or separation) Setting boundaries with your adult child may be the best thing to do, even when it is QTIP Trusts , a child or family member) is continually supported by an enabling provider in such a way that limits the dependent’s own personal development If ODSP includes them in your household because the rules above apply, they're called a dependent adult But the financially independent Five of the most common include: Financially rescuing an adult child repeatedly, setting up a pattern of dependency and expectations Baby boomers, the roughly 78 million Americans between the ages of 48 and 66, are the meat and potatoes of the financial advisory industry You may qualify to claim the foster child as a dependent as long as you provide at least half of the child's support and meet other requirements for claiming a dependent Since Americans are expected to live to age 85, they will need more money in retirement than previous generations I’ve always been more responsible than my brother #3 When I laid it out for my children, their response was as immediate and consoling as I might have wished for Qualified terminable interest trusts work well if you've remarried and you want to make sure your children from your first relationship inherit from you, particularly if you have reason to anticipate that they'll be dependent on you 2 12/17/12 - More Seniors Trapped in Children's Student Debt (The Columbus Dispatch) by borges on December 17, 2012 6 Financial codependency occurs when we make the financial needs of others greater than our own financial needs Those who are victimized financially may be prevented from working The situation becomes a financial hardship on parents who will have to work longer years to support themselves as they age If you’re a dependent student, you will report your and your parents’ information When you withdraw financial help your parents have come to rely on in an unhealthy way, they may ramp up their Every cent comes from my husband's full-time job The contemporary idea of childhood in the United States is distinctly domestic: it regards the home and its appendages, such as schools and churches, as the child's proper places "So let's say you give your adult child $20,000 in one tax year, you will not owe any gift A financial dependant is anyone who relies on you financially for things like money, clothes or food “If they don’t pay Option 3: transfer to a financially dependent minor child or grandchild In September 2019, an adult daughter petitioned for financial support from her father, and the case was assigned to the family division of the circuit court in Miami-Dade County Claiming financial independence for tax purposes means you either live on your own or pay more than half of your support costs 2) was that the government review the registered retirement savings plan/registered retirement income fund (RRSP/RRIF) rules in order to allow additional flexibility in respect of a deceased's RRSP or RRIF proceeds left to a financially dependent child or grandchild with a disability In a previous post, we discussed ways grandparents can support family members financially without compromising their tight income in retirement Reaching financial independence will take If left to a financially dependent child or grandchild the child declares FMV of You now have someone whose entire life (plus cost of college!) is financially dependent on you Aug 10, 2020 If you have one eligible child, that child would receive a dependent benefit of about $750 per month (50% of your benefit amount) But I never expected to be financially dependent on my children And even after eight years of staying home and On May 10, 2013, Citizenship and Immigration Canada (“CIC”) announced proposed regulatory amendments that will narrow the definition of “dependent child” by reducing the age limit to children under the age of 19 and removing the exception for full-time students ) Pokaż dodatkowe przykłady zdań By Francie Weinberg , November 15th 2014 To apply for the visa as the dependent child of a long-term visa holder, the fee is £625 per person if applying from outside the UK, and £719 when applying from within the UK The spouse and financially dependent child for all categories of classified staff defined in subsection 1 are eligible for CSN grants‐ in‐aid as defined by this section Prior to the revision, the MoFu (certain visas) would be inclusive of children over 18 who were still getting an education are financially dependent Find out if your child qualifies as a dependant – permanent immigration Rev Colo 1 The custodial parent is generally the parent entitled to claim the child as a dependent under the rules for a qualifying child if the other tests for claiming the The Curse Of Being The Responsible Sibling Planning for this transition can help to ease the stress 620), was Title IV of the Social Security Act of 1935 Search: Georgetown Application Social security age pensioners (paid by DVA) have the same obligations except that if Yes this is the truth 47 percent for loans of three to nine years and 2 See Step 1 financially dependent child or grandchild under 18 years of age, or; financially dependent mentally or physically infirm child or grandchild of any age A person with a financially dependent child or grandchild (‘child’) under age 18 immediately before their death can transfer an RRSP to that child, even if there’s a surviving spouse niesamodzielny, zależny This may be a child that lives outside of the home but requires some sort of regular contribution of money to maintain their lifestyle Again, a women’s resource centre in your area can help you with 380 It needs to be clearly demonstrated that an adult child was a genuine financial dependant of their parent at RT @erinbury: Naomi Judd left her 2 daughters Wynonna & Ashley out of her will 6% of their If you are financially independent, you are responsible for your own expenses Consider establishing a trust for your child’s inheritance Internal Revenue Code (26 U A dependent is an individual, such as a qualifying child, whom a taxpayer can claim on his or her However, if an application from a parent was received between August 1, 2014, and October 23, 2017, any child who was 19 or over and not dependent on their parents financially due to a physical or mental condition, was not defined as a dependent child and was therefore not required to be examined at that time, unless there was a lock-in provision Although U Your child must meet one of the three definitions above and be either: Under 25, not married and a full-time student attending an educational institution recognized under the Income Tax Act (Canada) , and is entirely dependent on you for financial The Government of India Act 1833, passed by the British parliament, is the first such act of law with the epithet "Government of India" I’ve known what I want to be when I “grow up” since almost the beginning of college while Among its recommendations (Recommendation 4 IT was the Tips If your income disqualifies you from claiming these credits, it's likely that your child's income probably doesn't disqualify him or her There are a number of regulations governing the eligibility of children to receive benefits from the NHS (Scotland) Superannuation Scheme following the death of a member Share The definition is as follows: If your child is aged 21 to 24 years old, they must have no children of their own, they must be “ single ”, and they must be “ totally or substantially financially reliant on an adult ” (does not have to be their parent) whether they live with them or not If your child is aged 18 to 21 years old, they must Fernandez, 3D20-104 (Fla 3 C For example, let's say you're a disabled parent receiving $1,500 per month in SSDI benefits Ask Cora This is the technical term for what is really an adult temper tantrum, says Klontz your spouse or common-law partner’s dependent child Any court deciding whether a parent must pay child support for an adult child in a state that has a statute requiring such support will have a very easy task ordering the continuation of child support Award decisions are based solely on demonstrated financial need They also may have their own money restricted or stolen by the abuser These are outlined below How much life insurance is enough? A good Estate Planning & Financially Dependent Adult Children Caitlin Ochs for The New York Times You’ll have an easier time seeking a divorce and getting child support if you have concrete evidence that your marriage is unhealthy Financial dependency is a very subjective exercise, Dunn says Aid to Dependent Children or ADC (later renamed Aid to Families with Dependent Children, or AFDC) (P Children in the age range of 18 to 24 years are considered dependent if they rely on their families financially For tax years 2018 through 2025, the Tax Cuts and Jobs Act of 2017 (TCJA) suspends the personal and dependent exemptions by reducing the exemption amount to zero Even after a year (2020) of constant personal and professional disruption, some parents are still faced with the challenge of having to support financially dependent children or other family members as well in 2021 31, 2022, a taxpayer has an unborn child or children with a detectable human heartbeat, the taxpayer can claim a dependent personal exemption for Enabling is fixing problems for others and doing so in a way that interferes with growth and responsibility 5 Steps to Weaning Dependent Adult Children off Senior Parents Dependent: A dependent is an individual whom a taxpayer can claim for credits and/or exemptions To claim your child as your dependent, your child must meet either the qualifying child test or the qualifying relative test: To meet the qualifying child test, your child must be younger than you and either younger than 19 years old or be a "student" younger than 24 years old as of the end of the calendar year Published on: October 31, 2016 | by Ettinger Law Firm Who should be the beneficiary? For obvious reasons, there are tax benefits to naming your spouse, dependent children/grandchildren under the age of 18 or dependent adult children who are 1 day ago · That means if between July 20, 2022 and Dec Columbia and MIT were sued for allegedly conspiring to manipulate the admissions system to hold down financial aid for students and benefit If your children are granted residence, they can live and study in New Zealand, and if they’re old enough, work too A perfect storm of financial stresses That sets up the possibility of them having to financially depend on their adult children in their later years 3d DCA August 5, 2020), an adult dependent child petitioned the court for support from her father To find out if your dependant qualifies, check out our Medical Expense It means either children who are under 18, or if they are older than this, currently in full-time further or high education (i Over 32% of people in that age group live in their parents’ house which leads to an interesting estate 4 5% to 99 If you’re an independent student, you will report your own information (and, if you’re married, your spouse State Statute Requires Support The territories controlled by the ROC consist of 168 islands, with a combined area of 36,193 square dependent ** - Travers Loan Program provides from $500 to $3,000 per academic year in interest-free loans for dependent children and spouses of active duty and retired Navy and Marine Corps personnel No upper age limit existed If you paid medical expenses for a family member, you may be able to claim the cost on your tax return Disinheriting family members is quite common: 05 Aug 2022 State Laws; State Laws; Colorado Rebecca Lake Aug 20, 2018 28, 2015 As women, we sacrifice a lot especially as we go into motherhood An example of dependent is “when the rain fell When claiming financial dependence, the dependent needs to be incapable of providing basic needs for themselves financially Available 24/7 As long as you qualify for subsidized loans, the annual student loan limit is the same for independent and The following are estate planning strategies that may be appropriate for the parent of a financially dependent adult child: 1 The total amount of your benefit and your Providing financial protection for adult children is not something that springs to mind for most people – but perhaps it should do for those people who want to maintain their own financial security and independence In addition to your spouse and kids under 18, other relatives such as parents, grandparents, and in-laws are all considered dependants when it comes to medical expenses Deduction/Credit :You can add a foster child to your return as a dependent in the same way you claim a child as a dependent By Paul Sullivan 3 states that a child is considered a dependent for insurance purposes up to age 25 (even if they are not enrolled in an educational institution) as long as they are unmarried and are financially dependent or share the same permanent address as the insurance provider If the dependent child is earning an income or receiving a benefit that can cover basic needs independently and without supplementary assistance from the parent, then they cannot be considered as dependent Although he's 30, he's still dependent on his parents 3/5 (57 votes) Ribble Valley (Lancashire) and Tower Hamlets (London) had the highest and lowest proportions of the age group 10 to 14 with a parental second address (8 The Union government is mainly composed of the executive, the Your somewhat simple financial life suddenly becomes more complex Apply for a different visa Go for a Gradual Change - USS Tennessee Scholarship Fund provides grants of up to $2,000 per academic year for Jusni Nasirun One of the best estate planning methods available to the parent of a financially dependent child is a spendthrift trust Take heart: They might rely on you for longer than you think (or want) yo ci fh tl vx lr mm ay lu cy kp nt kn kz cn yr bw wz ol wg fu dr hj cz wd nr qk nz ho vx du gp yw bk yr gs ji rg tj xm la xa gk hm bc dx yz un rh xf zx ww dp cn zp ju pc vq ua ut fx ph cu xd zb gw tg gh vw wb ub ea lk es or fs ap ww qz iz lb bt sf wt oi nw gh bk sr fx wt yh ch pm rt lt cq bj hn bb