One of the biggest obstacles to financial success and freedom can be a criminal record. It can prevent you from getting a better paying job, a security clearance, or a gun permit. Many times this record contains convictions of minor, non-violent crimes that were committed many years ago and represent a very different time in your life.

But that doesn’t have to be the case! New Jersey provides a mechanism and procedure for wiping out this record and allowing you to move onward and upward with your life. So in this episode of the podcast I discuss this process and how you can use it to improve your situation and your chances of financial freedom.

Technology can be a great equalizer when it comes to allowing small businesses to compete with the large corporations. Cloud based products like Microsoft’s Office 365 and Google’s G-Suite offer complex technology infrastructure that delivers high level productivity without requiring an expensive IT department and support. More and more businesses are “going to the cloud” with their data and applications, making them more mobile and platform-independent.

This can lead to greater vulnerability, though, as we hear all the time on the news about companies like Target and Equifax being breached. Even if you keep your data on local servers and don’t go to the cloud at all, you can be at risk. Being hacked could, quite literally, put you out of business and ruin your financial freedom.

That is why in this episode of the podcast, I talk again with Dave Strout of Cettei & Connell here in Woodbury about what your current business liability coverage does, and does not, cover when it comes to cybersecurity, along with the type of policy you will need to cover you properly if disaster should strike.