The real danger, he says, is that many investors are too heavily into bonds and may be unprepared for the turn.

WSJ: Watch for a Post-St. Patrick's Day Selloff

What is clear, he says, is that when many students arrive at college, they are "all of a sudden thrust into the position of having to manage student loans and lifestyle expenditures, " and they may be unprepared for it.

WSJ: Beware College Students Carrying Credit Cards

But we turned out to be absolutely unprepared for much of what changed in our lives.

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Low tide makes for excellent guided mudflat hiking, and incoming tides can be dangerous for those unprepared.

BBC: Exploring Germany��s northernmost island