If you watch the local or national news for even just 5 minutes, you're bombarded with images of disasters or tragic events here in Houston, across the U.S. or overseas. In our turbulent world disasters can strike at any time, from home burglaries, mudslides, apartment fires, plane crashes, car accidents and more. We can't always avoid the dangers that exist in this world, but we can do our part to minimize their impact in our lives, and in the lives of our loved ones.

There are lots of safety measures we can take to ensure our own protection, as well as securing our possessions and valuables. These precautions can include everything from car alarms, fire extinguishers, security systems, smoke detectors and safety deposit boxes. However, when renting an apartment or townhouse, there is an increased threat to personal safety and possessions because of the close proximity of other tenants.

Houston recently experienced another blast of icy weather, leaving many trees covered in ice, and thousands of homes and businesses without power. Although the city escaped with minor damage, the effects of the icy weather can be lasting and financially devastating for businesses and homeowners. However, there are important proactive steps property owners can take now to ensure their personal safety and assets are well protected even after icy weather.

Establishing a retail business takes substantial work, as owners develop a business idea and company strategy, build inventory, develop a customer base, market and advertise their business, and plan for the future. All of these steps require hard work, patience, quality employees, investment capital, and equipment and other assets.