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Banks are dumb; people should not have bank accounts. Credit unions (such as USAA) have the best rates for both lending and saving, and better terms.
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I have USAA for insurance and a local credit union for finance. I'll finance any shortfall in the price of an FUV, once I liquidate some assets.
The SUPERBeetle is running again, but the return spring in the clutch is broken. I can't afford to keep a gas car on the road. And I can't afford a Harley tricycle.