That's probably a wise plan, since the costs of excess inventory are real and generally quantifiable.

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Is that a wise plan?

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And I think that's very difficult without a mentor, an older person, a wise man or woman, to give you the kind of plan to say, okay, this is a strategy in the 21st century.

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The decision to become an independent contractor can be a brave and wise move, but the ability to buy an inexpensive health plan, even with a pre-existing condition, is a key element to a successful freelance life.

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Read the October 2010 Money Wise Women newsletter for lots of ideas on creating a holiday gift shopping plan.

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Ms. REBECCA FISHER (Former Medical Librarian): And they explained everything health wise and summed it up by saying don't ever be without a group health insurance plan.

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