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Basically I'm going through the が ある / が いる grammar - is it okay to say (person) に (object) が ある/いる?, e.g. Michiko-san に お金 が あります (Michio san has money)

I guess I'm using it like you might say (Location) に (object) が ある e.g. "there is a lamp in that house" - does (person) need a different particle in the example I gave above?

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Yes, you can use に to indicate the owner of the object, as you did in your example.

It is also used in various combinations with は.

みちこさんお金があります
みちこさんお金があります
みちこさんにはお金があります

All of these are possible to mean "Michiko has money", but I think the last two usually sound better than the first.

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