There are times when every business must deal with potential liabilities from the public or another third party. The exact situations vary but often involve some sort of injury or damage to property. If this should occur, the injured party is entitled to file a lawsuit.

For years, I didn’t have credit cards because I had majorly screwed up my credit and had gotten in over my head. Now, I’m financially responsible and use credit cards for everyday purchases – and pay them off as I go.

I’m always on the hunt for new prefab home ideas. I enjoy searching for new designs, eco-friendly options, and alternative housing options that cost less than buying an existing home. This makes sense since my goal is to be a homeowner within 5 years and I’d like to stay within a very meager budget.

I had an epiphany yesterday: to truly save what you need for the future, you need to visualize it clearly and realistically. Now maybe this had something to do with my 40th birthday, or maybe it had something to do with the weather, or perhaps a Forbes article I was reading; either way, all of a sudden had this clear vision of what I want my life to be like in 10 years from now and a rough sketch of how I was going to get there.

I still bank with the “big box banks.” I know there are better options out there and I do actually use some of them. To be honest, my bank accounts are like my post-it notes on my desk – all over the place; online, with a credit union, and with a “big box bank.”