We should not forget the principles of Christian mercy and justice: to welcome back those who are repentant and need our assistance, while encouraging the faithful to endure to the end.

You can give your Social Security check to any organization, public or private, or to individuals. You can donate it to your favorite political party. You can give the funds to a student scholarship - for your grandchildren, for example - or to somebody who has a medical need. Or you can invest your government check in free enterprise.

Bill Gates and Warren Buffett have their 'Giving Pledge,' where billionaires promise to give away the majority of their wealth when they die. My Social Security Pledge is better - to give money to good causes when you are alive. Besides, more Americans can participate.

For those of us in the financial world, Black Friday has a strong negative connotation, referring to a stock market catastrophe.