Earn 10-12% without playing the stock market

Plus, should you trust financial advice on TikTok? ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/9d0a98f4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTQ4YiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyNDAxMzAmYWZmX3N1YjQ9MDg0MiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDI0MDEzMCZ1dG1fY29udGVudD0wODQyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=jr3wSB-6rz8LS9PqLHXVqndJReKXHeYVb6OXM4KVmUc)   [The Penny Hoarder together with Ignite Funding](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/01d4ee7b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=XU5Ai02JpZLMlF6nU6hDkm8AcyZEMwiIfXu5OVCrrEI)     Everyone and their mother are on TikTok these days, including some folks presenting themselves as financial advisors. But can you trust them? Well, just like any trend on social media, you'll want to do some homework before you jump in. Our expert will show you how to vet financial advice on TikTok so you don't end up losing all your money on stonks (a real word — look it up!). If you're going to use the internet to make money, get off social media and try something like today's sponsor, [Ignite Funding](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/df4c7046?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=zIiDBMzbaGB7zYKHarZcFXqfBtIyCOTs7QLhMcP-RCk). Ignite Funding lets you invest in shares of commercial real estate deals around the country so you can [make money from a property without buying the whole thing](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/c9fd4c56?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTQ4ZCIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03NDA1JmFmZl9pZD04NiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyNDAxMzAmYWZmX3N1YjQ9MDg0MiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDI0MDEzMCZ1dG1fY29udGVudD0wODQyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=zIiDBMzbaGB7zYKHarZcFXqfBtIyCOTs7QLhMcP-RCk). We'll tell you more about it below.          65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/7ac0351a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=96Z0OUuN-jztk0oWjfK32bT_DRNpOa_wespE0PZPY8Y  [How to Vet Financial Advice From TikTok](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/2da602ce?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=HyNWv92qDf3IcWvzIEhOYZFbTI8fdoH2si9PSxy_pec)  TikTok isn't just for dancing anymore. You can also lose a lot of money following financial advice from TikTok "experts" who may not be experts at all. Here's how you can tell the pros from the frauds so you don't unwittingly scroll your way into financial doom.          [The Penny Hoarder together with Ignite Funding](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/01d4ee7b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=XU5Ai02JpZLMlF6nU6hDkm8AcyZEMwiIfXu5OVCrrEI)     [You Can Earn 10-12% On Your Money Without Playing the Stock Market](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/b7601295?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=9CT_cnUE7FonGUryRqpGf9Fb3mU7QsnwPKpEZ2vJ1aY)  Are you putting too much stock into the wrong market? We’ve all been told to diversify. But even if you’ve put tens of thousands of dollars into stocks and your retirement account, it’s all still directly tied to the stock market. It’s time to put more stock into the real estate market, and offset the high risks of the stock market with a more stable investment. A company called [Ignite Funding](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/efac4336?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=zIiDBMzbaGB7zYKHarZcFXqfBtIyCOTs7QLhMcP-RCk) lets you invest in shares of commercial real estate deals around the country. So you don’t have to buy an entire property to make money from it. Ignite Funding handles all the heavy lifting of identifying opportunities, underwriting and servicing loans, and working with developers and contractors. All you have to do is review the details of a project and choose how much you want to invest. What sets Ignite Funding apart from other real estate investment firms is they provide investors with a reliable short-term investment, that is collateralized and has a strong return (usually 10% to 12% with Ignite Funding). It’s easy to [invest with Ignite Funding and earn passive income from real estate](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/efac4336?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=zIiDBMzbaGB7zYKHarZcFXqfBtIyCOTs7QLhMcP-RCk). Just create an account and choose which properties you want to own a part of.  [Get Your Share](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/a02ef709?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTQ5MSIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03NDA1JmFmZl9pZD04NiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyNDAxMzAmYWZmX3N1YjQ9MDg0MiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDI0MDEzMCZ1dG1fY29udGVudD0wODQyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=gqpJ0heglGcvWsAvOp9EhmB9vbVmRyoK3q-V4Ds_HTk)          [🤦 You Left $3,564 On the Table Last Year](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/06d3570b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=XwiwFYjL4bBPjxQWQUM3nzjEIQT9QM3EFZk02KSqoPY)  You missed out on more than three grand last year?! Welp, let's not do that again. You can [make your 2024 far more profitable](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/d87fb45a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=eAnalRfWY5X7QdBYbgJY_YH6Be6-AmZP6ErWtRZR-P8) than 2023 by taking these six steps.          [The $5 Challenge Is a Low-Effort Way to Build Your Savings](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/5dd833fa?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=NEE6ed5AkuiOlO8tFdUzL82FNk8raq8lBTzmwtdRJ1U)  Here at the Penny Hoarder, there aren't many things we love more than savings challenges and Abraham Lincoln. And now we have a combination of both! We like this low-effort savings challenge so much we thought about changing our name to the $5 Bill Hoarder, which sounds more lucrative but doesn't have the same ring to it.  [Hoard Some Lincolns](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/d9a27250?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=eOD29NkiTnVrP2aVklFFppNViIJxXVdxTUeil4JoRZU)          [🙅‍♀️ Don’t Borrow Money from Family! Do These Things Instead](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/2a99b08d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTQ5NiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvYm9ycm93LW1vbmV5LXNkeW4tcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTMwJmFmZl9zdWI0PTA4NDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMzAmdXRtX2NvbnRlbnQ9MDg0MiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=_K9xo5lkOLgTz7_sCJnHY2KD5INIIdF_Jxf3jthYa9M)  Is there anything worse than asking your family to borrow money? Our neck gets hot and our blood pressure goes up just thinking about it. Before you put yourself through that ordeal, [try these money resources first](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/e78702e2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTQ5NyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvYm9ycm93LW1vbmV5LXNkeW4tcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTMwJmFmZl9zdWI0PTA4NDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMzAmdXRtX2NvbnRlbnQ9MDg0MiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=0rnN724f7GY5BKjen4hFPgbNj5MWLGEqlarf0vsVvxU). You might be able to put together the cash you need on your own and save that painful request for financial assistance for when you really need it.          [How to Use the Debt Snowflake Method to Get Out of Debt Faster](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/23d45178?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTQ5OCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2RlYnRcL2RlYnQtc25vd2ZsYWtlXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTMwJmFmZl9zdWI0PTA4NDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMzAmdXRtX2NvbnRlbnQ9MDg0MiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=akzhFo-9SWfrZiBk1FMpgT20hDOzxShuE_dFLNkU9ho)  You may have heard of the snowball or avalanche methods for paying down debt, but their lesser-known sibling, the snowflake method, is also worth a look. As its name suggests, the snowflake method is perfect for people who need to start with small payments. Not just small, but tiny. And like snowflakes, tiny payments might not seem like much when tackling a mountain of debt. But when they pile up, your snowflake payments can add up to a lot of help. Here’s how.          [Was this email forwarded to you? Subscribe Now.](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/f47d6d5d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTQ5OSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEzMCZhZmZfc3ViND0wODQyJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTMwJnV0bV9jb250ZW50PTA4NDImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=-D6nUjPBnP4I_CqKT5ICw47OZZyHuLUOy1riggsn4FU)     Some of the links in this email are from our sponsors. We provide you with accurate, reliable information. [Learn more](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/51e87269?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTQ5YSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3RydXN0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTMwJmFmZl9zdWI0PTA4NDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMzAmdXRtX2NvbnRlbnQ9MDg0MiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=E4sy48iHbdPdyIRPWhLQqOJgehrDhBcCUkvjmQz5i5s) 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](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/84915512?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=O646B0F2DWakMEJLpPBQk6jG5JU8oGrOLtVv9S0zX8Q)  | [Unsubscribe](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/55e52b82?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=H-ZsxXqbbNtieO4t-FT0YOvy7freI86teMgn9MRDWu0)  | [Privacy Policy](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/0cae31ae?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTQ5ZCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3ByaXZhY3lcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyNDAxMzAmYWZmX3N1YjQ9MDg0MiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDI0MDEzMCZ1dG1fY29udGVudD0wODQyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=8NyDn60w0gd0WHDqYcd0ar1n64NvBvl10Ax1mlqcnNg)    [Facebook](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/36b51338?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTQ5ZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmZhY2Vib29rLmNvbVwvdGhlcGVubnlob2FyZGVyXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTMwJmFmZl9zdWI0PTA4NDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMzAmdXRtX2NvbnRlbnQ9MDg0MiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=R0NyQ-QzU-1wz1c4KInEi3mq4mV4iEAIUQ49YzLIweA)  [Twitter](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/e2d9b432?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTQ5ZiIsImxpbmtVcmwiOiJodHRwczpcL1wvdHdpdHRlci5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEzMCZhZmZfc3ViND0wODQyJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTMwJnV0bV9jb250ZW50PTA4NDImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=NI-z8SURNE5y6LwyhH401b3a3gIeaoscimS6pQuTEVE)  [Pinterest](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/3a818409?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTRhMCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnBpbnRlcmVzdC5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEzMCZhZmZfc3ViND0wODQyJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTMwJnV0bV9jb250ZW50PTA4NDImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=p7R2ef-tmnOdNAX-XPK3K0FR5Mu2Odp5krlxvn4C48k)  [instagram](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/83b24496?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTRhMSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3Lmluc3RhZ3JhbS5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEzMCZhZmZfc3ViND0wODQyJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTMwJnV0bV9jb250ZW50PTA4NDImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=ulWjJppsz0peZwHj0eC4ALgxRQmv0Sl3utMMU0AgqYo)  [YouTube](65b7c0396a8ed5196b010820:ot:631faf77229f6550ab06f0cf:1/5d400bc3?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDY2MjIxMzAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YjdkOWI1NzlkMWNkYmE1YzA3NTRhMiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnlvdXR1YmUuY29tXC9jXC90aGVwZW5ueWhvYXJkZXI_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTMwJmFmZl9zdWI0PTA4NDImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMzAmdXRtX2NvbnRlbnQ9MDg0MiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=-uOH8DapbBQzMeU56awndoIBUSMJZFNnSiLirJ6H_Io)                                 Â