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Message: <blockquote data-quote="coder101" data-source="post: 31490945" data-attributes="member: 568072">Haiyo mchn :| Man general rules 2k kiyannam lankawe banks ekka wada kranna balan inna unta: ( Mewa mage personal opinions, so take it or leave it, I dont care )1. Lankawe banks wala una umbalata mona magula qwath, umbalawa millionairsla kranawai qwath, retirement gana qwath mona baile gahuwath, umbala dana salli walata lankawe annual effective interest rate ekak wage ekak tiyenawane, anna eeta wada sathayakwath umbalata denne na. Eg: Dan annual effective rate eka attha 8% wagene, ethakota mona baile gahuwath umbalage salli walata oita wada ganak bank eken denne naamai. Investment, retirement plan, kids plan blah blah all are just bull shit. Banks wala umbalage safety net eka save krala tiyaganilla, eeta wada mukuth expect kranna epa. Umbalata oi mona widiyenhri oi effective hambena rate ekenuth 10% tax kapan thamai denne bank eka.2. Lankawe banks walin wadak ganna nm credit score eka hadan hari haman job ekak hoyagannai oona. credit score eka hadagena puluwan tharam naya aran cash flow eka hadena dewal walata saha value eka wadi wena dewal walata invest krapalla. credit card ekenma jiwath wela maase anthimata card eka settle krapalla. Cash balance mukuth tiyaganna epa safety net eka arenna. Hamadama nayenma jiwath wennai ona. Umbala oka hariyata awrudu 5-10k kroth gemak nathuwa retire wenna puluwan wei hoda ganak tiyan. Loan aran gewaddi gewana poliya gana hithanna epa, eka kaaleth ekka shape wenawa.</blockquote>

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