A premium subscription is required to access this article. Article Date: 11/19/2018 Blog - The Micro-Investment Threat When I was growing up my grandmother would start a “Christmas Club“ account for each of her grandchildren every year. From every paycheck she received a specific dollar amount (very small since it was the 1970s!) would go into the Christmas Club account for each of her grandchildren. In November she ... Log in to view full article. If you already have a subscription, please log in with your email address and password. User Name (Email Address): Password: Forgot your password? Click here to have your password emailed to you. To purchase a premium subscription, please use the links below. One-year premium subscription with unlimited access to all articles including reprint rights (see terms and conditions) for $2,000.00. Monthly subscription (3 month minimum) with unlimited access to all articles including reprint rights (see terms and conditions) for $195/mo. CLICK TO VIEW Terms and Conditions I ACCEPT You must accept the 'Terms and Conditions' before purchasing this product.