I agree completely.  But, In the same vein as your "Surviving and Thriving" piece in which you were glad to have the option of getting a hotel room on your trip home from Jersey, I keep a few of these convenience items on hand, knowing that if I didn't/couldn't get around to cooking or shopping for my husband's work lu...more

As to the low interest rates and high fees, the last few years we've been saving in checking accounts with on-line banks.  Absolutely no fees and two percent interest if we pay one bill online and use the debit card 12 times a month.  We pay all our bills online, as it is, and this bank lets the transaction initiate wi...more