Sometimes your gut is right. And sometimes not.

Always keep an eye out for other opportunities.

That's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.

The number of those 19 to 25 with private insurance increased from 51 to 55.8 percent, and the percentage of uninsured fell from 33.9 percent in 2010 to 28.8 percent during the first half of 2011.

I've decided to keep working until my last kid is thu college.

My rule is when in doubt hire a professional. You could do it just this year and then you have direction to resume doing it yourself after the consultation. What you don't want is to do it wrong and be hit by a huge tax bill. Remember the old saying, "Don't be pennywise and pound foolish."

Having a separate fund for the things in life that happen, helps keep the emergency fund in tact in case you lose your job or income.