The Treasury Department is rolling out a debit card today in 10 states so that people without bank accounts won't waste their sustenance checks on huge check cashing fees. The DirectExpress Debit MasterCard automatically loads new payments onto the card each month, so there are no checks to be lost in the mail or wasted.

In theory, it's a great idea. When check cashing fees take a big bite out federal benefits checks, they're effectively taking a big bite out of what taxpayers shell out to take care of seniors and the disabled. We don't want the people who most desperately need the money most getting gouged.

But the new system isn't totally free, either. This card comes with lots of new fees. You get one free ATM withdrawl per check. After that, it's 90 cents each withdrawl. And you have to find an ATM that's in their free networks or get hit with the bank's fee. Its network has 50,000 ATMs -- Comerica Bank, Charter One, Privileged Status, Alliance One, PNC Bank, MasterCard® ATM Alliance, and MoneyPass. Nationwide there are 360,759 ATMs as of 2007, the Bost Globe Reports. So, only about one in seven will not charge users a fee.

Last month, the Equal Employment Opportunity Commission (EEOC) handed down a ruling that will allow employers to treat younger and older retirees differently. What once might have been seen as age discrimination is now OK, according to the EEOC.

What does this mean to the retirees? Well, some workers retire from their jobs with promises of ongoing healthcare benefits. This ruling allows employers to cut off those benefits (even if they were promised) for the older retirees who are eligible for Medicare.

Since there are some things that Medicare doesn't cover, it is often preferable for a retiree to stay on a company health insurance plan as long as possible. But the employers argued that the cost of covering older retirees is too expensive. Rather than cease providing health care to all retirees because of this cost, the employers successfully argued to the EEOC that they should be allowed to drop coverage for those eligible for Medicare (and who are typically the most expensive to insure).

If you're having trouble with the high costs at the pharmacy and you're being forced to choose between putting a meat loaf on the table or following doctor's orders, then you need to know that there's a bucket load of options available to you for seeking help to pay for your prescription medications.

You can start out by calling the customer service department of the company which manufactures your medication. If you don't know who makes it, ask your pharmacist for help. When you call the manufacturer, make it clear that you are having trouble paying for your medications. You'll probably be surprised at how quickly they try to help you by referring you to programs or agencies that can help you.

While you're talking to your pharmacist ask them if they can provide any additional options for you. There are programs at the county, state and federal levels which seek to provide assistance with prescription costs and your pharmacist should know about these programs. Don't forget to ask your pharmacist about generic alternatives also.

Even if you're not a member, you might consult with AARP.

SEC Chairman Christopher Cox thinks that the internet should be a great place for investors to have access to broader information about the companies they're considering investing in than ever before.

According to The Wall Street Journal (subscription required): "Mr. Cox also is expected to put up for final vote Wednesday a proposed rule that would enable companies to create online shareholder forums where investors and management could exchange thoughts, establishing a kind of chat room to improve communication. Opposing that model is the AARP, the lobby group for adults 50 and older, which said its studies show that doing so would result in fewer of its members participating in shareholder elections."

Huh? Why would being allowed to interact with management online make people less likely to vote in corporate elections? Isn't that kind of like saying the YouTube presidential debates would reduce voter turnout?

An online forum for shareholders and managers is a fabulous idea. One of the biggest corporate governance concerns in America is that executives are isolated from the owners of their companies. With notable exceptions, it's hard for investors to get the ear of a corporate executive to ask questions or provide ideas for boosting shareholder value.

Online forums would be a way to facilitate that, and it's something that should be cheered.