It's not that the questions are stupid, it's that people are stupid for answering them honestly.

There's a simple way to have every answer to the all those security questions from your bank.

First of all, don't answer with any true information.

Question: "Where did you go on your honeymoon? Answer: "3 pm" or "Mytzlflck7". It doesn't matter. You're never going to remember it anyway...

Make a screenshot of the question and answer either from the website itself or from your word processing program and save it as a .jpg or .bmp file with a name you're sure associate with the institution. For example: for American Express, save it as "espresso-amaretto.bmp" or "ExpressTrain2NY.jpg". It doesn't matter really, as long as it works for you and doesn't just give it away like "AmEx.bmp".

Save it with a buch of other random pictures. Above all, don't put it in a folder called "Passwords" for obvious reasons. But do put all of those files where you're sure to find them again.

You can even combine related pictures into one bigger one for easier access, if you're even a little bit experienced with a graphic editing program.

I'm sure there are tons of tricks out there besides these...

There are, and much better, too. Why in God's name would you establish an answer you'll never remember? Then you have to write it down, or screen capture it, and hide the result so securely you may not be able to access it when you really need it -- say, at your brother-in-law's house, using his computer.

Yes, don't give a "straight" answer to the question they ask. But give an answer you can remember by looking at the question. Pick the one obscure thing you're going to use as the root for every answer this year, like your pet name for your penis, and then add in a factor from the question. What is your favorite book might become Perkybook, favorite team Perkyteam, etc. If it makes you nervous using any exact word from the question, make the formula just a little more complicated: boperkyok, teperkyam, or koobperky, maetperky, whatever. You could have a hundred different accounts with a hundred different questions and answers, and still be able to answer from memory by a simple transform of the question because you use the same transformation (and one private reference) on all of them.