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5 Reasons to Start Holiday Shopping

3. Toys R Us:The storefront posters of Santa with a surfboard and flip-flops featured in last week's "Christmas in July" sale -- which included holiday-style discounts on Disney (DIS) Princess toys and Nintendo games, among other items -- were a bit much. The retailer's "Christmas Savers Club," which allows shoppers to put money onto a gift card through cash or credit card payments, is far more in the spirit of the season. Much like the bank Christmas clubs of a half-century ago, the Toys R Us card accumulates 3% interest as the holiday approaches. Laugh all you want at the shopper socking away $500 in June, but he or she will have spending power three Barbie dolls' greater than the consumer spending the same amount in July. That's just good parenting.

Stock quotes in this article: TGT, SHLD, AMZN 

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