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MoneySmart

Tip of the Day:

Planning a wedding? Scheduling it in January is ideal. It's a lean month for vendors and venues, so both will be eager to cut a deal.

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On the Blog:

Has the economic downturn changed your view of what is a necessity? Share your opinions at buffalonews.com/moneysmart.

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Inside:

Trying to time the stock market can be a costly game. Page B9.

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