You teach them how to do laundry. You should at least teach them how to balance a checkbook.

I would think that, on balance, that would be a major plus.

There is a delicate balance with ease of donation. People really need to feel something from the organizations they give to. Even if a lot of your giving is done online, it's going to be because there was a personal contact or connection made at some point.

The balance of trade and security became a battle that we really lost to trade years ago. Customs has become an honor system where the industry controls it, and periodically the government comes in and monitors.

That's a whole other universe of people, and unfortunately we don't know the size of that group.

I don't think it's bad for college students to have credit cards. They are a fact of life and it's naïve to think they won't (have the cards).