Make your exercise appointment a recurring item on your calendar, no end date.

FORBES: How To Reverse The Aging Process

Item No. 3 is the commission, paid when buying and selling (unless your brokerage offers commission-free trades).

WSJ: Calculating the Costs of Investing in ETFs

Returns without a receipt are subject to the posted return policy, which might result in your receiving only a merchandise credit for the lowest price the item has sold for recently, or possibly no refund or exchange at all.

FORBES: Returning A Gift? What You Need To Know About This Year's Return Policies