If you own a business, you're already well aware of the potential legal liability you incur simply by having employees and customers present in your building on a daily basis. However, in states without limits on personal injury settlements, this liability can reach dollar amounts you would never have expected. Protecting yourself from these types of lawsuits is one of the savviest things a business owner can do, and can be crucial to the long-term success of the business.
In 2012, according to the Federal Financial Institutions Examination Council, as many as one-third of all mortgage applicants were denied by mortgage lenders. So, if you've been trying to get approved for a mortgage without success, you are definitely not alone. With the state of the economy, it seems you need excellent credit to be approved these days. Unfortunately, the same state of economy, in addition to the credit crisis and unemployment rate, has made the American Dream of home ownership difficult for many people.