Shoppers, assemble!

The best Black Friday deals — and hacks to avoid overspending ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/c3a15e16?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmVhYiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjExMjMmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTEyMyZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=EO7THbcg95GqaLM06mPnwqAU7FxIH0_tzN5oYE7ReZM)   We’re closing up shop tomorrow to spend time with our friends and family, but don’t worry: We have plenty packed into today’s issue to keep you full until it’s time to feast — just in time for Black Friday shopping. Happy Thanksgiving!     637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/e5199736?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmVhYyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL29ubGluZS1zaG9wcGluZy1mYWlsc1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTEyMyZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMTIzJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=XQBQgxMNs3fPPoW6OqMDqO6CNaoIbh333YLk14rA3R8  [Talk About an Epic Fail](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/6186c866?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmVhZCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL29ubGluZS1zaG9wcGluZy1mYWlsc1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTEyMyZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMTIzJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=9ygpblo7f2DlIH2vHx5F2TNrE9PHFJqTdqQFwlsmlkA)  Sleeping through your alarm used to be the worst mistake you could make on Black Friday. Then came online shopping. Sure, you get to avoid crowds and bypass lines, but digital shopping comes with its own set of perils. Here’s how to avoid the most expensive ones.  [Read More](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/82d8d4b4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmVhZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL29ubGluZS1zaG9wcGluZy1mYWlsc1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTEyMyZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMTIzJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=5OsINe0tjCZAAUmmsrgRr-0xOZHmlrvo8V3bQ8-6aNY)          [Just How Legit Are All Those Amazon Reviews?](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/659a6c3e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmVhZiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2hvdy10by10ZWxsLWlmLWFtYXpvbi1yZXZpZXdzLWFyZS1mYWtlXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMTIzJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjExMjMmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=MxZCaExiVJme6OkCPJ8DX45PRd5S3iBVVjmxWF-Bk7Y)  Ever order something brimming with glowing reviews, only to discover it’s actually, well, garbage? You’ve been duped by fake reviews. They’re a lot more widespread on Amazon than you might think, and we’re helping identify them so you aren’t misled.     [Tablets and TVs and Phones, Oh My!](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/8f5251e8?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmViMCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2JsYWNrLWZyaWRheS1lbGVjdHJvbmljLWRlYWxzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMTIzJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjExMjMmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=V7v_iCLUc2nMcvtJqQuiWkLYlUA4jgSp2RWaJdOMDEs)  Shopping for electronics on Black Friday is kind of like strolling the Yellow-Brick Road. There are no flying monkeys (that we know of), but there are plenty of other hurdles before you claim your prize. Get ahead of the others with our breakdown of the best deals expected — including these [steep discounts on smart home products](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/0680a5c2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmViMSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnNhZmV3aXNlLmNvbVwvYmxhY2stZnJpZGF5LWRlYWxzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMTIzJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjExMjMmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=SYiOKsGbr5--Vh0Llq6RP2faz0Xz4xiFtC8NkaRRVcg).     [Struggling to Stay Afloat? This Will Help](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/629997ed?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmViMiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbWFrZS1lbmRzLW1lZXQtdGlwcy1wcnRcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjExMjMmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTEyMyZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=8FHHahd3tHetKpihLwg8sRSOSrBdDThStEKlyyj-N3Y)  Nothing is affordable anymore, and no matter how much prices soar, we still need to pay our bills on time. It can feel like you’re drowning. What do you do? These side gigs can prevent you from getting lost in a sea of debt.          637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/771c42f3?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmViMyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL3RvcC10b3lzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMTIzJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjExMjMmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=l9LzX8yxUfC4B5yUVMxuWqIvJ74Ez_n4wEXWJ8p8DIY  [The 24 Best Toys Unders $25](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/c3a4fedb?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmViNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL3RvcC10b3lzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMTIzJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjExMjMmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=FiJDaNwZNHQ5d2N-Yg734P9I6dwFC_VTnp1X5L4ZHIM)  Get ready to score some seriously cool points with the littles. You don’t have to spend a fortune treating the kids in your life — our picks will put you in direct competition with Santa.          [Yes Honey, We Brought the Receipts](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/ef8ef0eb?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmViNSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL3JldHVybi1wb2xpY3ktYmxhY2stZnJpZGF5XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMTIzJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjExMjMmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=UPpEgAa27t6tmjB8qpNx2vxXbbpX8XB9PMr2jdgc64E)  Look, you might be the best planner on the planet, but there’s still a good chance you’ll have to return or exchange at least one gift this year. Here’s what you can expect from 13 popular retailers’ return policies.     [All the Presents, None of the Debt](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/c0430e6c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmViNiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2RlYnRcL2hvbGlkYXktc3BlbmRpbmctZGVidFwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTEyMyZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMTIzJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=I_uVlK4_lVjWIphgnFxa-vwh6un7jU3KP15nn-LqDc8)  In your quest to spread the gift of joy via actual gifts, don’t forget to give yourself a little something: a budget that keeps you from overspending.     [7 Ways to Get a Little Richer This Week](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/8eb95130?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmViNyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbW9uZXktbWFuYWdlbWVudC0xMC1zdGVwcy1hZ2VcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjExMjMmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTEyMyZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=k9SWq3U_OcYEELP5rxZepJ3rLqjegL9SkISK3TOmXxI)  Sick of looking at your bank account and wishing there was more to it? More zeros, more commas, more… potential? We can’t promise you millionaire status, but we can help you move the needle in the right direction.    IN CASE YOU MISSED IT   [How to Get Paid by Joining Online Focus Groups](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/6dc81840?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmViOCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL21ha2UtbW9uZXlcL3NpZGUtZ2lnc1wvb25saW5lLWZvY3VzLWdyb3Vwc1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTEyMyZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMTIzJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=LPOnxSdxzHpEKZdDCnqaFBf600M8GkKbnpf3Vvu9Rhc)     [Built a Nest Egg? Do This to Make It Grow](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/a5a7404b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmViOSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvMTAwMC1jaGVja2luZy1hY2NvdW50LW1ha2UtNC1tb3Zlcy1wcnRcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjExMjMmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTEyMyZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=ddErUUqiA9TgrdWpmrdWSMZ2YREvc-qFYDNbHcKRUpM)     [How to Choose the Right Homeowners Insurance](637d3af62169006bf90cd982:ot:631faf77229f6550ab06f0cf:1/134a0894?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NjkyMTI0MDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzN2Q0YTdkNWIwNDM2ODM3NjA2MmViYSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2luc3VyYW5jZVwvYmVzdC1ob21lb3duZXJzLWluc3VyYW5jZS1jb21wYW5pZXNcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjExMjMmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTEyMyZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=TZQZRMuJfo6mLqVZiFuB7-vRL84OPpqlNSzLgu3znPg)           © 2022 The Penny Hoarder. 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