Using your health insurance doesn't have to be on an "in-case-of-emergency" basis. Learn how to make the most of your coverage by taking advantage of preventative care, strategically timing procedures and getting exercise classes covered.

It's the wild card of every big event — the toast. If you're giving a new year's toast, a best man or maid of honor speech, or any other toasts this coming year, we've got some tips to make sure people remember your toast with fondness and not horror.