2013, February

We've all had one - an employee who just can't seem to get to work on time. Whatever the reason, chronic lateness attracts the attention of everyone in the workplace and affects productivity. That's why a tardiness policy is so important.

It's a nightmare to think about - a roofing contractor working on your house slips and falls off your roof, resulting in serious injuries. You have many sleepless nights wondering if he's going to sue you. What can you do to protect against such risks?

You loaned money to an old friend. Things started off well, and he made a couple of payments. But now three months have gone by without a payment, and he's avoiding your calls. You're faced with a dilemma - he's an old friend and you don't want to ruin the friendship, but you can't afford to just write off the money you loaned him. Should you sue him?