If they had done it Dave's way, this wouldn't have happened. First TJ Maxx, now some grocery stores in Florida and the Northeast got hacked into by some wiseguy. Next thing you know, credit card numbers are stolen, fraud is being committed, and you got more headaches than a migraine convention next to a construction site during sinus season, baby.

You know what the problem with something like this is? Well, there's a bunch, but I'll just hit the highlights. Each time you open a credit card, you open yourself up to something like this. But people just keep signing up for the free hats and brownie points. When that happens, they have debt AND identity theft to worry about. Handling your dough can and should be easier than that. So make it easier. Use cash.

Don't have your 411 info anywhere that you don't have to. I never saw anyone who lifted a wallet from somebody and tried to pass himself off as Andrew Jackson or Ben Franklin.