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 If you’re contemplating how to gift money to your kids or grandkids during the holidays, consider these effective options, each with its own advantages. Drazen Zigic / Shutterstock.com

Giving grandchildren money is one holiday tradition that never goes out of style. But how you give that money can be just as important as how much you give. Cash in cards is easy to understand, but it also may not get saved. Setting up an investment account? That’s practical, but grandkids may not be excited about it. A gift card can give kids a spending option, while some savings options…

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