Before you sign up for that gym membership

Potentially, the world is your workout facility. But if you want access to high-quality resistance machines, aerobics classes, and trained staff, a gym may be worth the money—especially if it helps you stick with an exercise program. But gyms make their money because many of the people who pay for them rarely show up to use them. To make sure you'll get your money's worth:

• Find a gym that's no more than 15 minutes from home or you'll have trouble getting there regularly.

• Take a tour before signing anything, and ask to have a trial workout. If possible, snag clients out of your tour guide's earshot and ask their opinion of the place.

• Make sure club supervisors have at least a bachelor's degree in exercise science, and look for staff certifications from organizations like the National Strength and Conditioning Association or the Aerobics and Fitness Association of America.

• Check out the crowd, especially at times you're most likely to be there. Is it hard-core or low-key? Will you be comfortable working out with these people?

Be clear about your needs. Some clubs offer just fitness equipment and classes, while others go a step beyond with tennis or racquetball courts, swimming pools, and even social activities. Don't sign on the dotted line if you think you might want something different in six months.