President Obama promised that no one who had health insurance would have to change because of the new health care law, but hundreds-of-thousands of people who have individual policies are receiving cancellation notices from their insurers. In many cases, though, they will be offered new policies that are more comprehensive and no more expensive. Plus, as online retailers fight for a piece of the customer pie, the ability to deliver goods quickly and cheaply is key. eBay has bought the same-day delivery service Shutl and Amazon tries to lock in customers with its Prime service that allows "free" shipping with an annual subscription. Finally, investing in nascent companies has, for the most part, been the preserve of the wealthy. Until now. A new law will allow people of average means to play venture capitalist.