Identity theft involving these cards is a growing form of white collar crime, facilitating illegal immigration, banking and accounting fraud, tax evasion, and other nefarious activities.

Employer contribution pension plans have become increasingly popular throughout the past two decades.

Financial literacy is an issue that should command our attention because many Americans are not adequately organizing finances for their education, healthcare and retirement.

It is incumbent upon each of us to improve spending and savings practices to ensure our own individual financial security and preserve the collective economic well-being of our great society.