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[QUOTE="raaman, post: 114303, member: 23419"] Financial planning is all that is needed to save money and create wealth. Without proper financial planning you will face a lot of financial problems in the future. Especially, if you do not have a steady source of income. There is a lot of misinformation circulating among people about making money and how to spend it. One mistake is to pay off long-term loans quickly. A lot of people try to pay off long-term loans quickly in order to save interest. But the problem here is that the time value of money is not taken into account. Financial advisors now equate the saved interest with the stated interest after ten years. But what you actually need to do is to compare. [/QUOTE]
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