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Swipe fees have increased steadily since the introduction of debit cards 20 years ago, when there were no swipe fees at all. Merchants can't negotiate or control them. They've tried, but they have no leverage against the big banks and issuers. So they get ignored.

Switching from one career to another can be scary, but it also can be a thrilling experience. Look at it as an opportunity to really go after what you want to accomplish in life and make a difference in the world. The key is to take small, conscious steps and prepare yourself for a successful transition.

Switching over to a hybrid car is one of those right things, but, unfairly or not, it still has a reputation among car enthusiasts as something you have to pedal really fast when you're on the ramp merging into traffic on the 401.