(MONEY Magazine) – Nurturing your kid's talent adds up. We canvassed professionals who teach eight- to 10-year-olds in six cities, including such schools as Karolyi's Gymnastics in Houston, where Olympic gold medalist Mary Lou Retton trained. Ballet was the bargain of the bunch. Tennis lessons were the most expensive. You can beat the stiff rates by patronizing YWCAs or parks and recreation departments. And take heart -- if your kid loves the class, most schools lower rates as you increase the number of sessions.

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