TY - SER AU - J.D Rothwell TI - Don't waste your time: You may think the DIY route is saving you money. Guess again / SN - 0115-3544 U1 - BPer. 338.0405 PY - 2014/// CY - --California, USA PB - Summit Publishing Co. Inc. KW - Savings and Loans associations KW - Banks and banking ER -