Which of the following would give you the "biggest bang for your buck"?

• a soda?
• a lottery ticket?
• a local newspaper?
• any dollar store item?    
• a small pack of pencils?
• a pad of notebook paper?
• 2 first-class US postal stamps?
• access to your money at an ATM?  

Which is more important to you in this economy?  

Instant gratification or personal investment?    

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