A lot of people think that regulations bring higher costs, but regulation is also about making sure that someone doesn't get to beat out the competition because they're dumping filth in the river or spewing poisons in the air.

If you want to find out how strong a company's ethics are, don't listen to what its people say, watch what they do.

Goals work. Pick one debt, and then put every dime into paying down that one debt. Once that debt is paid off, start paying down the next debt. Pretty soon it's time to move from paying debt to building savings.

That is especially important as more young people must take on huge debt loads to go to college.

It's a simple idea: We all do better when we work together and invest in our future.

Look at the big-ticket items, in your budget. Your home or apartment. Your car. Your insurance. If you are overspending on these big monthly bills, then money's draining out of your pocket a lot faster than you can replace it by clipping coupons or buying cheaper coffee.

Our veterans deserve the very best, and that means ensuring that America's veterans receive high-quality services and cares when they come back home.