Become a paid caregiver for your loved one through Medicaid

Plus, learn a new language with free and cheap resources ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/0bbe9c44?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkwMDYxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDNlZTgzMTFlNzVlYjdiZjA3Y2E0ZiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzExMDMmYWZmX3N1YjQ9MDYwOSZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTEwMyZ1dG1fY29udGVudD0wNjA5JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=gRPZuDzHjWqfasv53kZHJyWxaDNI3iNBg5hhkllno6A)   Millions of Americans are caring for elderly loved ones and looking for financial support. Are you one of them? You might not know that Medicaid prefers to pay friends or family members to help elderly people live in their own home rather than pay for them to be in a care facility. We've put together a guide to explain how Medicaid can help you and your family age at home. Plus, we share [five ways you can score free gift cards](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/809cb04e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=0YljZy2MOKca81Un-2e1ANtTh9AmeIk5XFLytErDUFA) by this time next week.          6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/73b7aa73?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=4NBDYpgJ9Zbf3RjYqEW3Hpw3geWISWAIqHIExh230g8  [Become a Paid Caregiver for Your Loved One Through Medicaid](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/8ab02fe9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=3qYJIXPLCGOjkA0it9HzQ4IPHuqsujItMcHWAfgcJGU)  Did you know Medicaid would rather pay friends or family members to help elderly people while they are still living in their own home, instead of paying for them to be in a long-term care facility? Many Americans want to age in place, and our guide explains how Medicaid can help families achieve that goal.          [🚂 Worried About Inflation? Make These 6 Money Moves This Year](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/00df4b45?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=42Sg0Z4fbQy5JWrr1ZOoZULtSmdt7Ivp4tiiDpzLZ3Q)  Inflation has felt like a runaway train lately. You can [pump the brakes on rising expenses](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/0d5565e6?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=asWtDbPETBtL1rBqWHq6kDj1-XTRmtR-Nmfk1NbE8vM) with these six money moves.     [Learn a New Language With These Free or Cheap Resources](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/40aaf962?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=xeFVJ1IUcZ24O6xX2oIQ4marBbEzfvAaWHBe2lyhRqk)  Learning a new language routinely ranks at the top of many people's bucket lists. But speaking multiple languages can also help you get a leg up in a competitive job market. Our guide shows you how to take advantage of free or cheap resources to become multilingual, whether you're doing it for business or pleasure.          6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/bb790256?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=FxoSQGr0AlsGBAJhnxWzQtKIzyRBNMoe68q-UU9KvQY  [5 Clever Ways to Get Free Gift Cards Before Next Friday](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/2dcb9c28?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkwMDYxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDNlZTgzMTFlNzVlYjdiZjA3Y2E1NyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvZnJlZS1naWZ0LWNhcmRzLXBydFwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTEwMyZhZmZfc3ViND0wNjA5JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMTAzJnV0bV9jb250ZW50PTA2MDkmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=uVYeqiqBJzkXPCIKCQkB8pjQrgw_tm5B7jhBTShbLrc)  Have you given yourself a present lately? No? Well, it's time for some self-care. Here are [five ways you can score free gift cards](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/809cb04e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=0YljZy2MOKca81Un-2e1ANtTh9AmeIk5XFLytErDUFA) by this time next week — just in time for all the holiday sales.          [TPH Explains: 10 Things You Should Know About the Home-Buying Process](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/0f4a2c62?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=7F5yamZ5KlNPHR-uq8AsoMZigjobew-X35TPPxtDYU0)  Buying a home is a fundamental piece of the American dream, but the process can still be a nightmare, especially if you go into it uninformed. If you're looking to become a homeowner, our explainer will prepare you for what to expect during the home-buying process.     [⌚️ Seven 10-Minute Tasks That Could Add an Extra $741 to Your Wallet This Month](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/00dcd96d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=kGDKJo8LmyXBAokJiyD5Ckd8CpQziFuv-I1HAz142LI)  Spending 10 more minutes at work probably won’t have a significant impact on your finances (we can hear the bosses of the world grumbling at that), but using that break-sized amount of time elsewhere just might. Here’s how you can [profit from your free time](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/8f903220?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=j5UXNhxTV1PGDnfWIwR5HxKdlro8cvbD0BAJZREfgGA) to add some extra cash to your budget this month.     [25 Tips for How to Save Money if Your Paycheck Is Stretched Thin](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/4851036a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkwMDYxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDNlZTgzMTFlNzVlYjdiZjA3Y2E1YiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2hvdy10by1zYXZlLW1vbmV5XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTAzJmFmZl9zdWI0PTA2MDkmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMDMmdXRtX2NvbnRlbnQ9MDYwOSZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=X1wRGKdZWOVzi9-qSEVvf5UYGxpuMUbpo39aawkTTOQ)  Inflation hits hardest when it outpaces how often you're getting raises, making a previously solid paycheck feel barely livable. Saving money can feel like a luxury during times like these, so here are 25 tips to keep paying yourself even when it seems like you're getting paid less and less.     [🗜️ Saying No to These 7 Things Could Put $3,310 in Your Savings This Year](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/57dc0ef2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=3RlPBu-PGPamqPK8AG4NTTgfpW5yX_dX8LaZcU8NCYQ)  One of the best ways to take control of your finances is to impose some spending discipline on your most routine expenditures, like online shopping and utilities bills. [Put the clamps on these seven things](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/7bf205e9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=x3lkf3_4J9Mm-6GpcFgaUHSnkG3sVIyAfMgwQEYY0Qc) and you could be looking at an extra $3K in savings this year.          [Was this email forwarded to you? Subscribe Now. It's free!](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/39e27dd6?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkwMDYxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDNlZTgzMTFlNzVlYjdiZjA3Y2E1ZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTEwMyZhZmZfc3ViND0wNjA5JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMTAzJnV0bV9jb250ZW50PTA2MDkmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=5p-jPOeUxReB8ClrigRp1ogpy2FuIR1giao84b8mWto)     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. Suite 800 | Saint Petersburg, FL 33701 | U.S.  [Mailing Preferences](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/18bd177c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=k-eXaUpgTMi8GxvnDrL4w9sODh3WJa584izo4wRPmy8)  | [Unsubscribe](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/597d5234?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=XozJB3vPRid5fF0Ncy2A-2nRTOdZnTy-dodot_8nIiU)  | [Privacy Policy](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/264f5ad6?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkwMDYxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDNlZTgzMTFlNzVlYjdiZjA3Y2E2MSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3ByaXZhY3lcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzExMDMmYWZmX3N1YjQ9MDYwOSZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTEwMyZ1dG1fY29udGVudD0wNjA5JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=7RwUUL-lAfwDYa-FgwOz5SQhY3fabwz6twbFlk5ZwzA)    [Facebook](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/1c786dd8?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkwMDYxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDNlZTgzMTFlNzVlYjdiZjA3Y2E2MiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmZhY2Vib29rLmNvbVwvdGhlcGVubnlob2FyZGVyXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTAzJmFmZl9zdWI0PTA2MDkmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMDMmdXRtX2NvbnRlbnQ9MDYwOSZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=Rgt-BMmdM6t0ssgUgyAf-ej4y5v2ihHAgfP0hU5iX4k)  [Twitter](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/22bcec1e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkwMDYxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDNlZTgzMTFlNzVlYjdiZjA3Y2E2MyIsImxpbmtVcmwiOiJodHRwczpcL1wvdHdpdHRlci5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTEwMyZhZmZfc3ViND0wNjA5JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMTAzJnV0bV9jb250ZW50PTA2MDkmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=PvtDVvEOy0o3IrnPQBopP7rUy2vQk2cVm_NRosD4bmQ)  [Pinterest](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/1fd7b951?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkwMDYxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDNlZTgzMTFlNzVlYjdiZjA3Y2E2NCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnBpbnRlcmVzdC5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTEwMyZhZmZfc3ViND0wNjA5JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMTAzJnV0bV9jb250ZW50PTA2MDkmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=bSTfSAstRu7NZZiw8YlwJWiE-Lgu1ZTC8lQ-sLxGP6s)  [instagram](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/a6e479ce?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkwMDYxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDNlZTgzMTFlNzVlYjdiZjA3Y2E2NSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3Lmluc3RhZ3JhbS5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTEwMyZhZmZfc3ViND0wNjA5JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMTAzJnV0bV9jb250ZW50PTA2MDkmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=tDfOs1JLYKIMZyKCkeGkB2vioNyZDDFZeU97jtY4bHo)  [YouTube](6543ea96f94638d50703e2b6:ot:631faf77229f6550ab06f0cf:1/3bcd8ed1?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkwMDYxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDNlZTgzMTFlNzVlYjdiZjA3Y2E2NiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnlvdXR1YmUuY29tXC9jXC90aGVwZW5ueWhvYXJkZXI_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTAzJmFmZl9zdWI0PTA2MDkmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMDMmdXRtX2NvbnRlbnQ9MDYwOSZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=fR0rx-iMVKGEfgUpLb1qu05fA--4ETBiILDI5AlZv8I)                                 Â