Lifestyle

Some colleges will enroll your child in their sponsored health plan automatically, even if your child is covered under your policy. Others insist that the student have outside coverage. Consumer consultants advise parents to research their options.

Spam isn't just erectile dysfunction e-mails in your junk folder. Now you've got to watch out for spear phishing, where more experienced criminals will use information about you found online to craft a targeted e-mail designed to fool you into giving up personal information.

For docs to consider changing their career was unthinkable just a few short years ago, but gender equality, increasing cultural and racial diversity, the recent switch from majority private practice to majority salaried practices, and a sea change in attitudes and expectations among young docs have put many old assumptions about doctors' careers to the question.

If an insurance agent offers you a can't-lose, tax-deferred investment, it ought to be a slam dunk, right? Of course not! It never is. For one thing, agents receive rich commissions for selling these, so you must be wary of high-pressure salesmanship.

Travelers caught in Icelandic volcano delays may have been wishing they purchased a travel insurance policy, but hindsight is 20/20. Running out and purchasing insurance now might not make sense in your situation.

Russ had been the low bidder on a government job which he finished satisfactorily, on time, for the agreed-upon price. Things went unusually well, so he made more profit than expected. The government decided that he had made too much, and not only demanded a refund but also decided to audit all his private contracts.

If you talk less than 100 minutes a month, for example, a prepaid plan, which can cost as little as $10 a month, is almost a no-brainer. Anything over that level could cost more than a contract, since the higher per-minute charges on a prepaid phone add up fast.

Fewer than 1% of flights have "surface delays" of more than three hours, but upwards of 200,000 passengers are affected by such delays each year. Unfortunately, new rules preventing this nightmare were designed with a major loophole.

Although payment plans vary from school to school, many parents will get their first college tuition bill in the mail soon. Right now, interest rates on a HELOC tend to be lower than on other loans, and it can be a much more flexible way to pay college bills.

Going without a will is a really bad idea, and yet, based on several different surverys, it is highly likely that if you chose a doctor at random, he or she wouldn't have one. There's really no excuse as a simple will is cheap.

One of the more amusing quotes to come out of the healthcare reform debate was this Nancy Pelosi classic, "[Congress has] to pass this bill so that you can find out what's in it." How refreshing and revealing the unvarnished truth can be.

The sell-off today and last Tuesday deserves close attention. We believe for a number of reasons that we are at a "Stop Look and Listen" point in the market. What I mean by this is that we are at a higher probability point where the market will begin to pull back.