. >> we mentioned cars and karlising. not really an early termination fee but another fee. >> leases are back. for a while they'd disappeared but auto companies are experimenting again with slightly different terms and leases can work for some people. but the biggest trap of all are folks who don't expect -- a lot of people are overly optimistic they can keep their mileage down. and something happens in the course of three years, next thing you know, a huge fee when you turn in the car. it can be over $1,000 or more if you drive too much. and anything can happen. you might lose your job and suddenly have to commute more than you expect. be careful when you sign up with karliss. >> gym memberships. now i know most people this is a fee you charged you might get there someday and you never use the gym. >> if i pay $100 maybe i'll lose weight. >> a deal with the devil. you say it's difficult to end that membership. >> it is. >> what happens? >> here's one important tip with gym memberships. a lot of people want access directl