The newest toy fad will keep the kids occupied for a few months until a newer one comes out, or they just grow tired of it. Teenagers like gift cards so they can choose their own presents. But recent studies revealed that billions of dollars in gift cards go unredeemed each year, and that the full value of the cards are never realized due to the fees charged by the issuer. Holidays may be over, but gifts are given year round and here are a few ideas that will not only instill financial responsibility, but give kids an early lesson on investing and savings. Gold There are few investments…