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  National Survey Details Financial "Savings, Knowledge Gap" Among Americans
Nearly 60 percent of adult Americans do not have an IRA or other investment products, like stocks, bonds and mutual funds, and many don't have life insurance, according to a new survey conducted by the Coalition for Financial Security (CFS) and the League of United Latin American Citizens (LULAC).

  Financial Education Is Key to Better Savings Habits
Most Americans would agree that our nation has made dramatic progress since the Great Depression. Advances in areas such as technology, healthcare and transportation over the last seventy-five years have brought in a new era, and a new century. Yet last month the Commerce Department announced that the savings rate dropped to minus 0.5 percent in 2005, marking the first time since the Great Depression that the national savings rate had fallen below below zero percent.
  Financial Work Force Needs More Minorities
While people traditionally approach tax time with dread, more and more Americans have a lot to look forward to once the forms are mailed. Last year, more than 75 percent of Americans had the satisfaction of receiving a refund from the Internal Revenue Service. IRS data shows that the average return was $2,170 last year. That's good news for the roughly 100 million workers who received a refund. But the important question is how Americans, and those in the Latino community in particular, will use their refund?