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  What would you do if you were a kid who was gifted money from your Nana and Papa for Christmas and then told you were being taken to the Mall of America?   Hold it. Not so fast.   First you need to attend a "Smart Money Convention" with sessions held by both your mother and your father.     10% goes to charity. 20% goes into savings   and the rest is for you to spend.* * . . .

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