You have a better chance of surviving all types of cancer than ever before, and survival rates are extremely high in certain types. The reduction in people smoking has helped with that number. But exercise also helps tremendously. On that note, salespeople at gyms and health clubs are out in full force this time of year, trying to get you to join their club. But you want to consider this carefully. Signing a contract at a health club is not the same thing as working out. If you stop exercising, you still have to pay. And be especially wary of gyms that offer a discount (even 50 percent) if you join “right now!” These are sure to be ripoffs. Find a gym where you don’t have to sign a contract if possible. That way, if you slack off on working out, you’re not still paying. And, if you absolutely have to sign a contract to join the gym you want, just make sure you never give them access to your checking account.