ATM: The first time I used this option in '90's I was repulsed that the bank had the gall to charge me for my own money (since then I have learned money deposited in an a bank account is no longer the depositor's money; read the fine print). Have never used one since. This is already a stopped fee.
Airlines: While strongly urge everyone who does not want their junk played with nor person molested not fly anywhere ever (at least until the airlines and airports reject the TSA felons lurking around the gates; the only terrorists in the USA are in Washington D.C.), so you are foolish and unAmerican to get stuck with this fee;
Gift cards: Only use then when I want to control what the spendthrift recipient does with the cash given; this fee is acceptable as long as it is moderate;
Test fees: They have got to be kidding. If your cell company charges for this yu are an idiot consumer; hint: virgin mobile usa period com. Forget the other carriers who are gouging you into bankruptcy;
Event fees: ticket prices, frisking at the door, too many cops inside, offensive and unruly attendees, dirty restrooms, etc. No event is worth attending these days, even free fireworks. So never pay these fees either;
Late fees: these are truly optional depending on the rate of charge. OPM is the leverage financial success; being late on paying your bills is not;
Overdraft fees: These are outrageous and usury; the fed.gov promised to look into this problem and regulate it further. Apparently the illegal banking cartel run by the Federal Reserve balked and stalled the legislation. Politicians are not representing The People on any level, but they do lie incessantly;
Baggage Fees: See Airlines above. If you must fly and your have big baggage, check out UPS and fedEx to get your stuff to non-international locations cheaper... ;
Checking Account fees: this is irksome because the bank deposits your checking account money in the banking cartel for about 7 minutes every night just before midnight and make interest off it which it doesn't share with you. With checking fees they charge you for their diversion of your credits. Check out Western Union; if you write less than 26 checks per month and your account costs $18 per, WU is cheaper to use. Any business part of a cartel, like all banks in the world, are worthy having your business nor your money. Close the account, cur the fees;
Mutual fund fees: even at a lowly 1%, fund managers with make more than 70% of the increased value of your investment (over the average investment lifetime). No wonder the IRS and fed.gov want you to put money away in your 401(k). The balance of your gains will be lost to future taxes (guaranteed to be a higher rate than today) and you get paid with dollars whose purchasing power is significantly less when the money is withdrawn. It is a financial ménage à trois where you are the only party that gets royally screwed.
The scary part is that the fed.gov approves and sanctions all these fees levied. Many are supported by fed.agencies and other politically deviant offices that have no business existing a Republic. Alias, the public school educated can't read, can't write and can't think; you all are easy pickings for the SOB lying politicians and their scam artist buddies. ©2014 All rights reserved. No use without written permission. Single posting license for this entry. Protected by federal law and international treaty. Not intended as legal, investment, accounting or tax advice; to use as such violates the intended educational purpose prohibiting such use.