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Some insurance sales folks peddle a concept called Be Your Own Banker. Don’t fall for it.

This idea has floated around the Internet and late-night television for a while now. One of the latest versions, called "bank on yourself", shows what very bad advice it is.

The Idea Behind Be Your Own Bank

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When discussing bank accounts, investments, loans, and mortgages, it is important to understand the concept of interest rates. Interest is the price you pay for the temporary use of someone else’s funds; an interest rate is the percentage of a borrowed amount that is attributable to interest. Whethe...

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Vacations during the summer months might have you thinking about timeshares for resorts in places like Florida or Mexico. They seem like a fun idea for a winter vacation in the sunshine, as well as a good deal financially. They are neither.

Like Groundhog Day

One of the biggest problems with tim...

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The U.S. has not been debt free since 1835 – should you be debt free?

The National Debt

If you spend more money than you make, you are in debt. When the federal government spends more money than it collects, it is in debt. It really is that simple.

  • Debt Held by the Public = $16.17 trillion
  • I...

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Now it’s time to start drawing up your financial blueprint for your future self

Congratulations, recent 2019 graduates. You now embark on an exciting new chapter of your life. You are eager to start a career and work toward achieving all your goals.

But where do you begin? How do you make the be...

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We are forever indebted to those who gave all, so that we might be free

Memorial Day is a federal holiday for remembering people who died in our country’s armed forces. Observed every year on the last Monday of May, Memorial Day is celebrated in lots of ways.

Regardless of how you are celebrati...

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