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Consolidate your accounts to a single bank. When you have several bank accounts,…

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Before we go deeper into this, we need to admire meaning of "Rate of Return" (with no "internal" yet). Rate of Return is the "speed" that you earn back money on an annual basis, every year, forever, when compared with an amount first you invest. So it may be compared to the invested bigger amount, it's written as a percentage (%). For example, if you invest 100 dollars, and you earn back 3 dollars per year forever, then the "rate of return" is 3%. Easy, don't you find it?…