Closing Costs: What They Include, And What They Might Not By Christopher Carter - Real Estate Broker Associate July 25, 2024 Share "Closing Costs" is often regarded as a vague, catch-all term that raises questions from both Buyers and Sellers. Different parties to a residential real estate deal can identify transaction costs in different ways, so it's very important to have an accurate and complete idea of what's involved in closing the sale of a Florida House or Condo, and how much it is going to cost. Closing (also called settlement) is the final step in a Real Estate Transaction. At closing, money is paid from Buyer to Seller, ownership is legally transferred from Seller to Buyer, various transaction charges and fees are paid, and documents related to the sale and Mortgage are recorded with the local County. The phrase "Closing Costs" refers to charges and fees that buyers and sellers pay either as a settlement statement debit or out-of-pocket which are NOT included in the Purchase Price, Deposit, Down Payment, or Mortgage Loan Amount. Depending on who you're asking, some charges paid in relation to a Real Estate Sale are included in Closing Costs and some are not. This is the source of much confusion because most of the charges are third party pass-throughs and can be categorized differently by various service providers to the transaction. As you read this article, keep in mind that whether or not a Transaction-Related cost is openly called a Closing Cost, any charge or fee outside the contract's sale price is still additional money either the Buyer or Seller has to pay. Let's look at some of the charges associated with closing a real estate transaction, categorized by who receives them: Lender Charges (Buyer paid when using Mortgage Financing) • Origination, Processing, Underwriting Charges • Credit Report (POC - see below*) • Points - used to "buy down" an Interest Rate • Per Diem Interest (charged for the days after closing, yet before the first scheduled Mortgage Payment) Third-Party Service Provider Charges (Buyer and/or Seller separately paid) • Property Appraisal • Survey and Elevation Certificate • Property Insurance - Hazard, Flood, Windstorm (POC*) • Attorney or Title Company fees for conducting settlement • Title Search, Title Insurance • Open Building Permits / Code Violations Search • Inspections - Home, Pest, Flood Certifcate, Wind Mitigation (POC*) • Real Estate Sales Commissions • HOA / COA Application and Transfer Fees (POC*) • Association Estoppel Fees • HOA / COA Assessments (prorated per closing date) Government and Municipal Charges (Buyer and/or Seller separately paid) • Property Taxes (prorated per closing date - County) • Documentary Stamps (Transfer Taxes) on Deed (.7% of Sale Price - State) • Doc Stamps on Mortgage (.35% of Mortgage Amount - State) • Intangible tax on mortgage (.2% of Mortgage Amount - State) • Public Records Recording Charges (County) • Transfer Taxes to incorporated town or City • CDD or MSTU pro-rations and payoffs (local special-purpose taxing areas) Escrow Funding (Buyer paid) When Mortgage financing is used for the purchase, partial Homeowners Insurance and Property Tax Payments are collected with the Monthly Mortgage Payments and held in an Escrow Account by the Mortgage Servicer. This is so enough of the Buyer/Borrower's own money is available to pay the next Insurance and Tax Bills when they are due. Failure to pay either one can place the Loan in Default, and Escrowing reduces the chance of non-payment. Depending on the closing date and when the bills are due, 2 to 6 months of Property Tax and Insurance Payments may need to be paid into Escrow at closing. Important - Insurance is paid in advance (for the coming year), while Taxes are paid in arrears (for the past year). Because of this, lenders require proof of the first full year's Property Insurance Premium having been paid before closing. This is in addition to Initial Escrow Funding. Some out-of-pocket Buyer costs are Paid Outside Closing (POC) and may not show up on either the Preliminary or Final Settlement Statement. POCs can include: Property Appraisal, Credit Report for Financing, First year's Insurance Premium, HOA / COA Application Fees, & Home inspections (not required, highly recommended). Here in Florida, the choice of contract (and which boxes are checked) used to document and control the transaction indicates whether the Buyer or Seller pays certain negotiable costs. However, just about everything in a Florida Real Estate Deal is open to negotiation between the Buyer and the Seller. There we are, a quick outline of Closing Costs aimed at helping Buyers and Sellers better understand what it takes to close a Residential Real Estate Transaction in Florida. Your closing Title Company or Attorney will be happy to provide details and projected costs for your purchase or sale. Editor's Note: Christopher Carter is NOT an attorney. He does not give legal advice. For interpretation and application to specific circumstances of anything you read in this article, you must speak with a Florida-Licensed attorney. Have a question or comment about anything you see here, if so, visit: www.TheFloridaRealEstateBlog.com < Previous News Next News >

Bonnet House Museum & Gardens: Fall Special Family Day Wed Oct 18 2023 16:08:00 GMT+0000 (Coordinated Universal Time)

10 Reasons Not To Miss The 6th Annual Visit Lauderdale Food & Wine Festival 2025 Wed Jan 08 2025 21:00:00 GMT+0000 (Coordinated Universal Time)

Get Engaged In 2024! Downloaded The App For Citizens "My Aventura" Fri Jan 26 2024 17:18:00 GMT+0000 (Coordinated Universal Time)

Fresh Fish Hot Off The Grates Tips For Perfectly Grilled Seafood By Family Features Apr 24, 2025 Whether You're A Seasoned Grilling Expert Or New To Backyard Barbecuing, Expanding Your Menu With Seafood Offers A Fun, Flavorful Way To Bring Life To Outdoor Entertaining. Grilling fish is different from traditional fare like burgers and steaks, however. One method capturing the attention of chefs and amateur barbecue enthusiasts alike is electric grilling. With technology innovations that enable higher heat and more precise control, along with easy-to-use, guided cooking delivered via smartphone apps, grilling seafood can be simpler than ever. Master the art of grilled seafood with these tips from Trimell Hawkins, Executive Chef and Culinary Adviser to Current Backyard. Not all fish are the same. There's a common misconception that all fish can be grilled, but not all fish is created equally. Avoid flaky fish like Trout and instead turn to a firm fish when grilling, such as Branzino in this Grilled Whole Branzino with Fresh Herb Sauce recipe from Celebrity Chef Alton Brown. Moisture is not your friend. While you're likely aiming for a fresh, moist flavor when eating fish, that doesn't mean it should be wet when it goes on the grill. For beautiful, crisp skin and grill marks, pat fish dry to absorb the moisture before grilling. Temperature is key. There's a sweet spot for grilling fish, whether it's 400˚ F for thinner fish or slightly above 400˚ F for thicker cuts, which is why electric grilling is gaining steam. An option like the Current Backyard Electric Grill precisely monitors and controls temperature at the grate level, ensuring accurate cooking where it truly matters, unlike gas grills measuring chamber heat or charcoal grills requiring guesswork. Ready to cook in 10 minutes, it's a convenient solution that plugs into a standard 110-volt outlet, meaning there's no heavy propane tanks or messy charcoal standing between you and delicious grilled seafood. Plus, electric grilling reduces fire risks, harmful fumes and cleanup time. There's a "right" way to cook fish. If you're cooking fish with skin, cook the skin side down first as it's more forgiving and durable than the inside. This gives the finished dish more stability and structure, lessening the chances of the fish falling apart. Be careful with sugar. Sugary marinades require keeping a close watch on the grill since sugar can burn. If cooked properly, sugars help create a crispy Maillard reaction while acting as a tenderizer, too. Grilled Whole Branzino with Fresh Herb Sauce Recipe courtesy of Chef Alton Brown on behalf of Current Backyard Prep time: 30 minutes Cook time: 10 minutes Serves: 4 Fresh Herb Sauce: 2 Tablespoons of Chopped Dill 1/4 Cup of chopped Parsley 2 Tablespoons of chopped Chives 1 Small Garlic Clove, minced 1/2 Teaspoon of Kosher Salt 1/4 Teaspoon of Red Pepper Flakes 1 Tablespoon of Lemon Zest 1 Tablespoon of Lemon Juice 3/4 Cup of Extra-Virgin Olive Oil Branzino: 2 Head-on Whole Branzinos (about 1 pound each), cleaned and scaled 2 Teaspoons of Kosher Salt 1 Lemon, sliced into six rounds 6-8 Sprigs of Dill 6-8 Sprigs of Parsley 2 Teaspoons of Extra-Virgin Olive Oil To make the fresh Herb Sauce: In a small bowl, combine the Dill, the Parsley, the Chives, the Garlic, the Salt, the Red Pepper Flakes, the Lemon Zest, the Lemon Juice and the Olive Oil; then set them aside. Set both sides of the grill to 650˚ F (high) and close the lid. To prepare the Branzino: Season the Fish inside and out with the Kosher Salt. Fill the cavity of each Fish with the Lemon Slices, the Dill Sprigs and the Parsley Sprigs then tie them with kitchen twine to secure them and refrigerate them until they are ready to be grilled. Evenly coat the skin of both Fish with the Olive Oil. Insert the temperature probe into the thickest part of flesh of each Fish, parallel to the dorsal fin, then place them on the grill with the belly sides toward you. Close the lid and cook them for 5 minutes. Open the lid and gently turn the Fish over with a thin metal spatula or two forks. Close the lid and cook them for 5 more minutes, or until the internal temperature reaches 145˚ F. Transfer the Fish to a platter and remove the twine. Serve the Fish topped with the Fresh Herb Sauce. Find more recipes and electric grilling advice at: https://currentbackyard.com/ Previous Next

'Tis The Season For Aventura's First-Ever Winter Wonderland Celebration By Joyce R. Forchion - LOVE Aventura December 12, 2022 Share The holidays are in full effect as the City of Aventura kicked off the season with a rare appearance of SNOW! A simulated snow flurry captivated hundreds of ecstatic parents and children attending Aventura’s inaugural Winter Wonderland ceremony, which made its cheerfully “chill”-y debut on December 6 along the breezeway of Government Center. The family-friendly festivities, which were organized by the City’s Community Services and Public Works Departments, offered Nutcracker-inspired stage performances from tiny ballerinas, along with contemporary dance and vocal presentations from students representing the Aventura City of Excellence School, and participating community groups. Passersby usually recognize Aventura Government Center for its illuminated “Season’s Greetings” sign lining the landscape of the building, along with its gleaming display of palm trees that glisten in white and blue, the City’s traditional colors. Finally, we have an event that’s unique to our City where locals can immerse themselves in the sentiments of this time of year. Amid street construction, new businesses that are relocating to the city, and the annual December traffic jams on Biscayne Boulevard, residents considered the Winter Wonderland event to be a much-needed escape and reprieve from the hustle and bustle of the work week, and a pleasant transition into Christmas and Hanukkah, which were both symbolized with a community countdown to the first-ever lighting of the Christmas Tree and Menorah, both prominently displayed side-by-side for all to see. While a life-sized gingerbread man and dreidel duo happily posed for pictures throughout the night, kids were having the time of their lives capturing their fun times in the revolving holiday-themed photo booth and jumping for joy in the snow globe bounce house. Parents took advantage of the complimentary cookies, candy and treats offered for their children’s enjoyment and marveled at the special surprise of snow, which marked the first time many of them– along with their little ones– have witnessed such elements as sun-loving South Floridians. Aventura has evolved beyond the City with the enormous mall where we shop, dine, and unwind. Thanks to the long-term vision of the City’s leaders, staff, and volunteers, Aventura now serves as a prototype for municipalities seeking to create wholesome family experiences and promote community engagement, consisting of intergenerational activities uniting the entire family and touching each generation in a significant way. In retrospect, Winter Wonderland brought to life imagery from our youthful fantasies of snowmen, sleigh rides, colorful presents, and reindeer. We as residents are beyond grateful to attend another event spreading happiness and joy throughout the area – right in our backyard – and we’ll continue to cherish these precious memories of our City’s special occasions forever. LOVE, AVENTURA. A column celebrating the heart, soul and culture of our community. < Previous News Next News >

Core Faith: Explore Judaic Topics Online In This New Program July 7, 2022 Share United Jewish Generations has developed a program that retirees and seniors can enjoy from the comfort of their own home. The Levi Yitzchok Senior Academy is an interactive Zoom class on Judaic topics with many seniors participating and interacting together online. The program is 100% Free. Our newest course “Core Faith” will be starting on Monday, June 27th. Core Faith will touch upon the core values of Jewish faith and Jewish Leadership, and will be presented on 6 consecutive Mondays at 3pm-4pm (ET.) We are honored to have Rabbi Yisrael Rice, author of the 4 Keys of Kabbalah and an author of study courses on Mystical Jewish Life. To join our classes please sign up at www.JewishSeniorAcademy.com The Levi Yitzchok Senior Academy, is a project of United Jewish Generations, a Chabad organization for retirees and seniors. They offer numerous services to the community including visitations and social events. The Senior Academy offers many programs on Zoom so that senior citizens around the world can participate. They offer daily morning and afternoon classes for senior men and women. If you know of any retiree or senior citizen that may be interested, please share this info. < Previous News Next News >

4 Tips To Mind Your Mental Health In 2024 Thu Dec 28 2023 17:04:00 GMT+0000 (Coordinated Universal Time)

Cinema Paradiso: New Programming Brings More Hollywood July 15, 2021 Share "A lot of films were held back because of the Pandemic, so, we're mostly going to show the films everyone has been waiting to see for the past year," said Bonnie Adams, Senior Program Director for the Cinemas Hollywood, the elegant and intimate arthouse movie theatre located at 2008 Hollywood Boulevard, in the heart of the Arts & Entertainment District of Downtown Hollywood, has announced a major expansion in its programming. In addition to the international and American independent films and documentaries, which it has been showing since its opening in 2013, the theatre has recently begun screening first-run films from major American studios such as Disney, Paramount, Warner Brothers, Universal and others. "We want to expand the offerings of the theatre to appeal to a wider customer base, and bring more people to Cinema Paradiso - Hollywood," explained Gregory von Hausch, President and CEO of the The Broward County Film Society (BCFS), the parent company of the theatre, as well as the Fort Lauderdale International Film Festival (FLIFF). The BCFS also just reopened the iconic Gateway Cinema in Fort Lauderdale, von Hausch noted that the addition, contributed to the Society's ability to expand its local programming. "We now have an even greater opportunity to showcase and celebrate the best in films in our theatres, making them more accessible to a wider audience," he continued. "A lot of films were held back because of the Pandemic, so we're mostly going to show the films everyone has been waiting to see for the past year," said Bonnie Adams, Senior Program Director for the Cinemas. "There is so much excitement, a lot of anticipation; many dates have been changed multiple times, so everyone is very pumped about it. Plus, some of these are films that you just have to see at the theatre," she believes. "The sound, the picture quality... and the thing I miss most, other people's reactions. The whole group experience is so much more fun than watching by yourself." Cinema Paradiso - Hollywood is open every day and the venue is also available for special events. For more information, please contact: (954) 342-9137. Or visit: www.fliff.com/cinemaparadiso Downtown Hollywood offers on-street metered parking for $1.50 per hour, as well as municipal garage parking for $1 per hour. Municipal garage locations are 251 South 20th Avenue (between Harrison Street and Van Buren Street) and 251 North 19th Avenue (between Tyler Street and Polk Street). For more information about redevelopment projects, businesses and events in Hollywood's Downtown and Beach Districts, call the Hollywood Community Redevelopment Agency at: (CRA) at 954-924-2980. Or visit: www.HollywoodCRA.org . < Previous News Next News >

The Virginia Beach Vibe - A Shore Thing For Every Traveler's Wish List By BPT Jul 10, 2025 Where The Chesapeake Bay Meets The Atlantic Ocean, Travelers Are Greeted By The Welcoming Shores Of Virginia Beach. While Its Iconic Boardwalk And Sun-Drenched Shores Beckon Millions Every Year, This Vibrant Coastal City Continues To Blossom Into A Sophisticated, Diverse And Utterly Irresistible Destination That's Tailor-Made For Every Traveler's Wish List. "Virginia Beach is truly a destination that surprises and delights," says Nancy Helman, Director of the Virginia Beach Convention & Visitors Bureau. "We've intentionally cultivated an experience where the thrill of the ocean is balanced with a rich tapestry of arts, history and family fun, ensuring every visitor finds their perfect adventure here, regardless of their passion." No Virginia Beach experience is complete without a leisurely stroll or invigorating bike ride along the three-mile boardwalk. Here, the rhythmic cadence of the ocean serves as a soothing soundtrack while the sun paints the sky in hues of tangerine and rose. Early mornings see dedicated joggers embracing the fresh ocean air while families glide by on surreys, soaking in the city's infectious energy. Yet, beyond this bustling core, a world of discovery awaits including stunning public art, creative culinary delights, adventure-packed parks and serene pockets perfect for quiet contemplation. A few blocks away from the beach in the ViBe District, a sanctuary of creativity awaits, thanks to a diverse community of artisans, musicians and entrepreneurs who have collectively enriched the city's cultural landscape. With an impressive array of public artworks including murals, sculptures and creatively designed crosswalks, the area is a dynamic open-air canvas that captivates all who stroll the district and shop the handmade creations of local artisans. ViBe also has emerged as a culinary hotspot, offering an eclectic mix of more than two dozen dining experiences that reflect the area's creative spirit. From farm-to-table to international flavors, the taste buds of visitors and locals are invited on a gastronomic journey that complements its artistic surroundings. For the adventure seeker, Virginia Beach is a natural playground. Make those steps count and explore any of the city's 293 parks and park facilities like First Landing State Park and False Cape State Park, or the 300 miles of bikeways and trails in the destination. And for an experience truly unlike any other, ascend the innovative 65-foot-high Nautilus Lookout Tower at Owl Creek Landing, an engineering marvel offering a unique spiral path to an open-air observation deck with panoramic views. Need more thrills? Soar high above the waves on an exhilarating parasailing excursion, test your balance paddleboarding through the tranquil Back Bay National Wildlife Refuge, or catch a wave like the pros and learn to hang ten in the birthplace of East Coast surfing. For guaranteed perfect surf breaks year-round, dive into the innovative Atlantic Park with the nation's first Wavegarden Cove, offering customizable waves for every skill level. The destination also boasts a rich history, inviting visitors to uncover the stories that shaped this coastal city. Immerse yourself in early Colonial life at the Adam Thoroughgood House, one of the oldest surviving brick homes in the country, or explore fascinating maritime heritage at the Virginia Beach Surf & Rescue Museum housed in an authentic 1903 U.S. lifesaving station. Climb the Cape Henry Lighthouse, the first federal construction project authorized by the U.S. government, for panoramic views and a glimpse into the nation's early navigation efforts. Delve into the lives of early settlers and the trials of the American Revolution at sites like the Ferry Plantation House and the Francis Land House, each offering a window into Virginia Beach's vibrant and diverse past. For a quick getaway with the kids, Virginia Beach offers myriad family-friendly activities that guarantee smiles all around. Spend a day exploring the wonders of marine life at the Virginia Aquarium & Marine Science Center, cool off at Ocean Breeze Waterpark with its exhilarating slides and lazy river, or unleash energy at Mount Trashmore Park with its vast open spaces and playgrounds. When it comes to lodging, Virginia Beach caters to every budget: You'll find affordable and comfortable inns for great value, mid-range hotels offering reliable amenities and convenient access and even upscale family resorts complete with pools, kids' clubs and diverse dining options for a truly memorable family escape. Whether you're an art lover, an outdoor adventurer, a history buff or a family creating new memories, Virginia Beach effortlessly delivers. It's not just a coastal city; it's a destination where every traveler's wish list finds its perfect fulfillment. In Virginia Beach, the destination's casual vibe makes it a shore thing for your next unforgettable escape. Ready to discover your Virginia Beach adventure? Start planning your visit at: www.visitvirginiabeach.com . Previous Next

Sweeten The Season: Deliciously Creamy Desserts By Family Features November 2, 2023 Share The Holiday Season is fast approaching and it's often time for one of the favorite moments of holiday gatherings. The taste (and smell) of those divine desserts you may only make once a year is enough to keep guests hungry even after the main course. Put a new staple on holiday menus for years to come with this Cran-Raspberry Quinoa Pudding Trifle that combines fresh Raspberries, vibrant Cranberry Sauce, Orange Juice and Orange Zest for a unique dessert. Ready in 30 minutes, it can be an easy way to impress everyone at the table with a creamy pudding base inspired by favorite winter flavors. As a tasty treat that's ideal for just about any occasion, this take on Rice Pudding is made using Success Boil-In-Bag Tri-Color Quinoa, which offers a heat-safe, BPA-FREE and FDA-Approved bag and is easily prepared in just 10 minutes. Its light, nutty flavor and versatility creates a pudding that's perfect for a wide range of pairings, from satisfying chocoholics or pumpkin-spice fanatics to whipping up a sweet, simple dessert. For a comforting dish full of familiar cold-weather flavors, serve Pumpkin Pecan Rice Pudding Bars. Pumpkin-spice fanatics can enjoy their favorite ingredient mixed into a Rice Pudding base sweetened with Coconut Milk, Brown Sugar, Vanilla Extract, Whipping Cream and Maple Syrup. This holiday-inspired dessert relies on the fluffiness of Success Boil-In-Bag White Rice as a high-quality, precooked solution. The boil-in-bag rice is quick and easy with no measuring and no mess, and it's ready in 10 minutes to make seasonal recipes a cinch. Find more sweet holiday recipe inspirations at: www.SuccessRice.com Cran-Raspberry Quinoa Pudding Trifle Prep time: 25 minutes Cook time: 5 minutes Servings: 6 Quinoa Pudding: • 2 Bags of Success Tri-Color Quinoa • 4 Cups of Almond Milk • 3 Tablespoons of Honey • 1 Teaspoon of Vanilla Extract • 1/2 Teaspoon of Ground Cinnamon Creamy Yogurt Layer: • 2 Cups of Plain Greek Yogurt • 3 Tablespoons of Honey • 1 Teaspoon of Vanilla Extract • 1/2 Cup of Heavy Cream Cran-Raspberry Layer: • 1/2 Cup of Cranberry Sauce • 1/4 Cup of Orange Juice • 1 Teaspoon of Orange Zest • 2 Cups of Fresh Raspberries • 1/2 Cup of Sliced Almonds, Toasted • 2 Cups of Gluten-FREE Vanilla Cookies, chopped • 1/2 Cup of Fresh Raspberries To make the Quinoa Pudding: Prepare the Quinoa according to the package’s directions, substituting the Almond Milk for Water. Drain the reserving Almond Milk. Remove the Quinoa from the bags and stir it into the Almond Milk in a saucepan over Medium Heat. Stir in the Honey, the Vanilla and the Cinnamon. Bring them to a simmer. Cook them by stirring them constantly for 5-8 minutes, or until it is slightly thickened. Refrigerate it for 45-60 minutes or until it is well chilled. To make creamy yogurt layer: In a large bowl, stir yogurt, honey and vanilla. In a separate bowl, beat cream until stiff peaks form. Stir whipped cream into yogurt mixture until blended. Refrigerate until ready to use. To make the Cran-Raspberry layer: In a medium bowl, stir the Cranberry Sauce, the Orange Juice and the Orange Zest. Gently fold in the Raspberries. To assemble: In a 10-cup Trifle Dish, layer 1/3 of the Quinoa mixture, 2 Tablespoons of Almonds, 1/3 of the Cran-Raspberry mixture, 1/3 of the Vanilla Cookies and 1/3 of the Yogurt mixture. Repeat the layers twice. Garnish them with the remaining Raspberries and the Almonds. Pumpkin Pecan Rice Pudding Bars Prep time: 10 minutes Cook time: 40 minutes Servings: 4-6 • 1 Bag of Success White Rice • 1 Cup of Pecans • 4 Cups of Coconut Milk • 1 Can, 15 ounces of Pumpkin Purée • 3/4 Cup of Brown Sugar • 2 Teaspoons of Pumpkin Pie Spice • 1/2 Teaspoon of Salt • 3 Eggs • 1/2 Teaspoon of Vanilla Extract • 1 Cup of Heavy Whipping Cream • 2 Tablespoons of Maple Syrup Prepare the rice according to the package’s directions. Preheat the oven to 350˚ F. Spread the Pecans on a baking sheet and toast them for 8-10 minutes, cool them then chop them. In a large saucepan over Medium-High Heat, combine the Milk, the Pumpkin, the Brown Sugar, the Pumpkin Pie Spice and the Salt. Bring it to a boil by stirring constantly. Slowly add about 1/2 cups of hot liquid to the Eggs and beat them well. Stir the Egg mixture back into the saucepan and cook it over Medium-High Heat for 2 minutes. Remove it from the heat and stir in the Cooked Rice, the Vanilla and the Pecans. Pour the mixture into a greased 13-by-9-inch baking dish. Bake it uncovered for 30 minutes or until a knife inserted near the center comes out clean. Whip the Heavy Cream to soft peaks then add the Maple Syrup and continue beating it until the peaks form. Serve it with the warm pudding. Tip: For a sweeter pudding, increase the Brown Sugar to 1 1/2 cups. < Previous News Next News >

Hop on The Bus or Bike: Reduce Your Carbon Footprint Around Aventura Wed Jul 20 2022 04:05:00 GMT+0000 (Coordinated Universal Time)