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GALLUP, N.M., Dec. 20 — Earl Milford put up a synthetic xmas tree when you look at the house that is wooden the Navajo booking near right here which he shares with a son and daughter-in-law and their two young girls.

But cash is scarce and are also gifts. “It’s all right,” he stated, “they know I like them.”

Mr. Milford is chronically broke because every month, with what he calls “my ritual,” he travels 30 kilometers to Gallup and visits 16 storefront money […]