We’ve all heard that the vaunted exchanges from which insurance buyers can pick and choose health insurance plans don’t go into effect until 2014. What does this legislation do this year? From money columnist Jane Bryant Quinn: For young people–You?ll be allowed to stay on your parents? group plan or individual policy until you?re 26. …

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And it paid off in spades. Now some people say that you shouldn’t tempt fate And for them I would not disagree But I never learned nothing from playing it safe I say fate should not tempt me I take my chances, I don’t mind working without a net I take my chances, I take …

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