Taking your Bankers for a Ride

This article is short, sweet, and not all that deep—perfect for it to appeal to a mass of readers.

I like it because I'm sick of reading all the articles of how credit-card companies are robbing us and how banks are robbing us with their fees and how "poor us."

Enough.

Here is what a responsible person can do.

- Pay with your credit card all you want, but pay it all off and enjoy the various rewards programs available (HINT: Cash is always your best option).

- Keep your money in a high-yield savings account that earns between 4-5 percent.

Just those two things. It's a start, so if you don't do this already, master it before you move on to investing that money.