But with a rate of return of 1.6 percent or less, or a negative rate of return, our children and our grandchildren, if we do not make changes, will in fact not have a secure retirement. Indeed, they will not have the funds when they go to retire to even minimally get by.

These smugglers, many of them present in trafficking through my State of Arizona, create false Social Security cards, false green cards, visas and a variety of other fraudulent documents as an essential part of their smuggling activities.

A recent Pew Hispanic survey found that more than 70 percent of illegal immigrants from Mexico are interested in a guest-worker program and then returning home.

From cell phones to computers, quality is improving and costs are shrinking as companies fight to offer the public the best product at the best price. But this philosophy is sadly missing from our health-care insurance system.

Indeed, I think most Americans now know that in 1935 when Social Security was created, there were some 42 Americans working for every American collecting retirement benefits.

Putting a stop to internet gambling is a necessary reform that targets flagrant violations of state and federal laws.

Most previous immigrants came to the United States to become Americans, with no intention of returning home. They relinquished their ties with their homeland. English was their key to prosperity, and they worked hard to master it.