By Lisa Zamosky, author of "Healthcare, Insurance, and You: The Savvy Consumer's Guide."

Weeks before Tuesday’s first shopping day for health insurance, Gateway Community Health Center trained and certified four counselors to help people sort through health insurance options and decide which to buy.

Say "summer" and most people think "vacation." The reality is that most adults work year-round, and some seasonal workers may even be busier in the summer than during other seasons. Children of working parents may continue to have schedules just as structured as school—even if it's called "camp"—to accommodate their parents' long hours away from home. Teenagers may have jobs of their own. Still, the traditional mythos persists: summertime is vacationtime.

Obtaining a college education is so important today, but sometimes it seems like it is very difficult to figure out how to pay for it. Whether you are saving for your son, daughter, niece, nephew or grandchild, it can be a challenge. As you see every day, the cost of things keep going up, and it should be no surprise that the cost of a college education continues to rise as well. For many, next to saving for your home, your biggest financial challenge may be saving for your child's college education.

The debut of the Affordable Care Act's Health Insurance Marketplaces on Tuesday starts the clock on a six month race for the Obama administration to enroll Latinos, the nation's most likely group to be uninsured, and the program's most critical customers.