One of my “Chiseled in Granite” business principals is: “Avoid Financial Disaster.”

I learned this lesson the hard way when I was seven-years-old. At that time I listened to Major League baseball games on the radio. I did not realize that the broadcast started an hour or two after the game began and were a re-creation of the actual game.

One afternoon I was looking forward to a Yankees – Red Sox game. Out of the blue, my father said, “I’ll bet you that the Yankees are leading one to nothing...