Holiday clubs offer the choice of different locations of hotels for customers and pay an upfront fee, as well as an annual maintenance fee.

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Participants are only responsible for the small annual maintenance fee.

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Many of the homes include master suites on the first floor to help owners avoid stairs, and landscaping, lawn maintenance and snow removal is usually included in the monthly maintenance fee.

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There was no monthly maintenance fee at 45.8 percent of the accounts at small banks in the survey, whereas only 21 percent of the accounts at large banks were free of those fees.

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Then they charge a maintenance fee.

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The Bluebird accounts will have no minimum balance requirement and no monthly maintenance, annual or activation fee.

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It is also considering "shadow tolls" - a fee to the road maintenance company per driver using a road, but paid by the government rather than drivers.

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When the license period expires, customers can sign up for maintenance and service contracts at a lower fee.

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This will provide upgrades and maintenance of Microsoft's software for a regular fee.

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More good news for bank consumers: since the January 2011 Bank Fee Survey, average minimum balance requirements to avoid fees are lower, and average monthly checking account maintenance fees (for those who pay them) are also slightly lower.

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