banks to charge 3 bucks a month for storing money.

http://online.wsj.com/article/BT-CO-20110817-713622.html

If you store money in a bank you might end up paying 3 dollars a month for access to your money via debit card.

LOLZ!

 

Pay everything with a credit/charge card and then pay that off. Spend on the ccard what you would have on the debit card. Last year my wife and I spent enough on our Amex that they were basically paying us to use it (rewards points, etc) plus fee waived. And I got a perverse pleasure knowing that the vendor was getting hit for 3% on every purchase.

 

i take a nice vacation every year thanks to my rewards credit card.

 

You can negotiate purchase prices with retailers sometimes. Get the card out then ask them for a cash discount..

 

Lowes offers 5% off if you use their cc.

 

When you don't lend, you have to replace interest income with fee income.

 

20 years ago maybe. Nowadays, you just morph into a highly leveraged hedge fund with the taxpayer as a backstop.