JetBlue's CEO may have shown his employees that he's a stand-up guy by voluntarily cutting his salary, but the executives of the airline could probably save more money by figuring out a plan for greater efficiency. Research shows that JetBlue was the most-delayed major airline in August, with an on-time arrival rate of 64.7 percent, while the industry average for being on-time was 77.3 percent.

With that kind of failing record, some passengers may be more likely to seek out seats on other airlines. Northwest's on-time arrival record of 85.3 percent outshines JetBlue's August performance, and its punctuality made Northwest the top performer, timing-wise. As for regional carriers, Hawaiian Airlines' 91 percent on-time arrival record makes me want to put on a lei and say aloha!

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A career is a work in progress, and it may take several steps before you can say that you consider your work a career. It is more of a path, whereas a job might be seen as simply a means to an end — like a paycheck. How would you describe your work situation; are you on a career path or is your work just a job to you?

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While it may give you a temporary headache, reading the fine print on credit card offers does pay off. Consumer Reports composed research to narrow down the best credit cards available, and in the process it found a few so bad it had to warn us to stay away in its October issue. Here are the three cards they say are the pits; if you come across other cards with similar terms, steer clear.

• First Premier Bank Card: Its 9.9 fixed APR is fine, but the card comes with first-year fees up to $276! There's a $29 account-setup fee, a $95 program fee, $48 annual fee, a $7 monthly servicing fee, and sometimes a $20 additional annual fee.
• American Dream Card from HSBC: Each time you charge something you're entered into a lottery for prizes up to $25,000 and you'll be prompted to fill out surveys for chances to win additional prizes. The card comes with a 15 to 22 percent APR.
• New Millennium Visa or MasterCard: There's a $59 annual fee, $100 processing fee, a 19.5 percent APR, and no grace period before your balance begins incurring interest.

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