Rising HOA fees got you down?

Plus, the best online side gigs, no experience required ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/5710985a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE2NCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyNDAxMDImYWZmX3N1YjQ9MDcyNCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDI0MDEwMiZ1dG1fY29udGVudD0wNzI0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=ocmQlHwbGyEIQgv0w1ze1w6tUMSwFwtTd96yd410K2g)   6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/7062cef4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE2NSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2hvbWUtYnV5aW5nXC9ob2EtZmVlcy1pbmNyZWFzaW5nXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=a1EocXEESLo8HQHMfishM1XTMViOoXvUqP1jCfpvWpY  [HOA Fees Increasing? Here’s What You Can Do](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/6ab8f4a0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE2NiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2hvbWUtYnV5aW5nXC9ob2EtZmVlcy1pbmNyZWFzaW5nXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=cJ5uejnIoEAWY0NSGum05X0t8k1TcmR7_IbesXiUOJI)  Roughly 25% of Americans live in a home governed by a homeowners association (or HOA). If that includes you, you know HOAs provide a variety of services for homeowners under their umbrella, but you also know HOAs often charge big fees. We're hearing from fellow Penny Hoarders that HOAs have been raising their fees lately, so we looked into why those increases might be happening and what homeowners can do about it.          [🧗 6 Tips to Keep Up With the Rising Cost of Living](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/f2a23a8f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE2NyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvY29zdC1vZi1saXZpbmctcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=nJrNCMTqinWZuJda7JtGnomSSZi3NjK3qhcrKBhh6Jk)  HOA fees aren't the only thing going up in price these days. Even though inflation has cooled off a bit and interest rates are holding steady, Americans say they feel the pinch of everyday living more and more. We have [six tips to help combat the rising cost of living](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/a3184e4c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE2OCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvY29zdC1vZi1saXZpbmctcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=8xTG1XxM_J9XEBKeW4h5P-jXwvqkkwL3BTT1mKl_rvE), ranging from saving on routine online purchases to wrangling your high-interest debt into a lower-interest personal loan.          6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/20b8a4cc?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=zfQNFpC6oRPs6Wg30WgRzBAYPIhfACwiVMuQdiOJKVk  [4 Can’t-Miss Tax Deductions for Gig Workers in 2024](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/54fbb1a3?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=LPRyUti-onBu9GEetuIQNd-MhtRnzuFf8Cvsg9XBxNk)  According to the internet, Abraham Lincoln (our favorite president) once said, "Things may come to those who wait, but only the things left by those who hustle." It turns out he never said that, but we still like the idea. And we know there's one thing that comes to everyone, waiters and hustlers alike — taxes. Whether you have one side hustle or dozens, figuring out taxes in the gig economy can be tricky. We took a close look at tax deductions for gig workers and found four deductions "those who hustle" won't want to miss when they file in 2024.          [The 9 Best Online Side Gigs You Can Do with No Experience](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/69672f3c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE2YiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvYmVzdC1qb2JzLW5vLWV4cGVyaWVuY2UtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=ssCSf5yyQxceql8RzaoVC30foaAc1CzlBYNK0a-qUE0)  Speaking of side gigs, if you're looking to get one yourself, then we've got the list for you. Here are [nine easy ways you can make money online](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/2ea41530?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE2YyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvYmVzdC1qb2JzLW5vLWV4cGVyaWVuY2UtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=GGJ5lH84TMtTtTnIUhMbCn0VRZBATiSQuS0X3oJd1Ew), no experience needed. Most of these can be done with just a smartphone, such as owning slices of Fortune 500 companies and investing in music royalties through an app called Public. Take Fake Abraham Lincoln's advice above, get your side hustle on and earn more in 2024!  [See Easy Side Gigs](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/1bbd1ffd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE2ZCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvYmVzdC1qb2JzLW5vLWV4cGVyaWVuY2UtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=eRWswJ0QddMqj3KEETiT0M8dglmktZlMVwekmbqjrTg)    [Dear Penny: I Don’t Think My Brother is Handling Mom’s Estate Fairly. Help!](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/2a080a04?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=2euwgyYXxD8zpGgVKH-0ZcBnDVv8KV-oOQD3wUloaAQ)    [I Don’t Think My Brother is Handling Mom’s Estate Fairly. Help!](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/88df71e6?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=i8noFsKw_9JK9XLkpWYIqg_1mx4Rwpa4PV6ABOs_1EU)  Sorting out the estate of a deceased parent can be complicated and painful, especially if one of the heirs doesn't feel they're being treated fairly. But before you accuse your family of stealing money, Dear Penny says you should eliminate any innocent misunderstandings in the course of distributing an estate. Here's how.          [🚫 6 BAD Money Habits You Need To Break in 2024](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/e5bcbe61?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE3MCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbm9ybWFsaXplZC1oYWJpdHMtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=QSpzK26FQFwaZWRDfVap2-Xio7dEeL_j7bHslIS10zc)  Everyone picks up a few bad habits here and there, but some are worse than others. You can probably get by if you don't make your bed every day, but paying too much interest to your credit card company could set you back for years. We've identified [six bad money habits](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/187e3f16?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE3MSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbm9ybWFsaXplZC1oYWJpdHMtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=5wZ2EAStZ5_Cz9yC0f3AgExVy9veSZhT7fD71F8G5c0) and how you can break them in 2024.          [Was this email forwarded to you? Subscribe Now.](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/7d6206cd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE3MiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEwMiZhZmZfc3ViND0wNzI0JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTAyJnV0bV9jb250ZW50PTA3MjQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=OJQO63ixBD7AlFHMrFSnKfsyHakv3MwHj9hU92Fab-M)     Some of the links in this email are from our sponsors. We provide you with accurate, reliable information. [Learn more](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/806ab633?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE3MyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3RydXN0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=oi9AcOKL9jtEN6YpTKdv4N219T_-nxVJCjOLT9_OEtY) about how we make money and select our advertising partners.     © 2024 The Penny Hoarder. All rights reserved. 490 1st Ave S. Suite 800 | Saint Petersburg, FL 33701 | U.S.  [Mailing Preferences](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/8ae3c1e2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=FKom8aTK2ns4u5iHiy5JoJMHy7ugY9rsW8UfAwD9h3o)  | [Unsubscribe](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/b6d4505c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=QLVBULbdaioMP5krJONgO4KAHad3yhJaSGLiTXfiEOg)  | [Privacy Policy](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/cae59636?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE3NiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3ByaXZhY3lcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyNDAxMDImYWZmX3N1YjQ9MDcyNCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDI0MDEwMiZ1dG1fY29udGVudD0wNzI0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=p6dK78cP3R6GqxMmzXRfEmZC0I-qTMbxO3xJqiIG7V0)    [Facebook](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/75813e7e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE3NyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmZhY2Vib29rLmNvbVwvdGhlcGVubnlob2FyZGVyXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=NZRvtwk2_BIZIzs5fsPRUWSfhhe-uu8FsHVooruTdRg)  [Twitter](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/cf88e3ad?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE3OCIsImxpbmtVcmwiOiJodHRwczpcL1wvdHdpdHRlci5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEwMiZhZmZfc3ViND0wNzI0JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTAyJnV0bV9jb250ZW50PTA3MjQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=-QBgkd7KF2SKTQ3KgfnNaK_QExnC4EZ2naI2_FR80jg)  [Pinterest](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/1b837e60?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE3OSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnBpbnRlcmVzdC5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEwMiZhZmZfc3ViND0wNzI0JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTAyJnV0bV9jb250ZW50PTA3MjQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=73qPkFY5f3tQFEalUBOFsL01Z6DnqZ4PLRoAiukm0Wc)  [instagram](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/78b84d2c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE3YSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3Lmluc3RhZ3JhbS5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEwMiZhZmZfc3ViND0wNzI0JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTAyJnV0bV9jb250ZW50PTA3MjQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=1Ss33ObxAc043B4U7YoiXprDErvJ8DoPEHEEnZw67wA)  [YouTube](6592f5bca993de50c10c1355:ot:631faf77229f6550ab06f0cf:1/94b62382?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQxOTgyNDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTMwM2M0ZGQyMGFjZGYxYzA0YTE3YiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnlvdXR1YmUuY29tXC9jXC90aGVwZW5ueWhvYXJkZXI_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTAyJmFmZl9zdWI0PTA3MjQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDImdXRtX2NvbnRlbnQ9MDcyNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=Tpj0XkJhtIee19Ytfqc0N-nUeW7dz64WR9heqLoBJzc)                                 Â