If you’re a business person, here’s a suggestion that will make 2012 go better for you: before you make any decision that affects your customers, particularly involving higher rates or extra fees, take a moment to use Google News to look up how 2011 went for Verizon, Netflix, and Bank of America.

I was going to charge you an extra $5 for this advice, but after evaluating the feedback from my extensive database of listeners, readers, and barbers, I’ve decided to waive my fee. You’re welcome.