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(NewsUSA) - Coming up with clever holiday gifts is always a challenge, especially for someone who "has everything." However, ways to get creative include gifts that provide experiences, not just things to accumulate. Think of enjoying a craft beer or wine of the month, flying a drone or mode…

(NewsUSA) - As back-to-school time sets in, personal finance becomes more complicated for many families. Some have students away from home for the first time, others have expenses for tuition, and of course the many purchases associated with the start of school: backpacks, lunch bags, clothe…