Dear Mary: I won a sweepstakes from a Burger King online game. I won a $5,000 American Express card, which I want to use wisely. We have no unsecured debt and a new mortgage at 7.5 percent. Our monthly payment is $1,900, and the total amount financed was $160,000. Should we pay down the mortgage, save it for the larger vehicle we are going to need soon (we have six children) or invest the $5,000 for the future? If I should invest, what is a safe investment? — Hannah B., e-mail

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