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Home printing is cheaper and faster, but if you want something really well done with a professional finish, having it made is worth it. The quality of the paper and printing makes a big difference when you're giving it as a gift.
I think the real thing is that a home printer doesn't always end up being cheaper than it seems - ink is way too expensive and you end up wasting paper testing stuff. For a truly personalized card, having it made at a quick print shop (the ones that do it in a few hours) is better, because the finish looks great and you don't stress yourself out trying to figure out printer settings. If you're making cards all the time then maybe it's worth investing in a quality printer, but for an occasional one it's kind of overkill.
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