When subscription cards fall from magazines Andrew Kirk is reading, he stacks them in a pile at the corner of his desk. At the end of each month, he puts them in the mail but leaves them blank so that the advertiser is forced to pay the business reply postage without gaining a new subscriber.

Life can involve big hardships, like being fired or smashing up your car. There is only so much you can do about them. But far more prevalent - and perhaps in the long run just as insidious - are life's many little annoyances.

These, you can do something about.