A few years ago our daughters, Allison and Amanda, then ages 12 and 13, began receiving credit offers in the mail. At first I laughed, thinking it was absurd that a middle school child would be receiving such offers. Then I started to wonder why. (more…)

Right after the girls were born, we applied for a Social Security number for each of them, just as the law required. We had no choice, of course. (more…)