Whether it's preparing for a hurricane, building up an emergency savings account, or simply taking extra precautions when walking or driving late at night, you should hope for the best and plan for the worst. There's absolutely no harm in overpreparing -- being proactive so as to help prevent any unfavorable consequences in a given situation. As I once heard in a movie, the best defense is a good offense. It's better to be safe than sorry. I understand that if you play it too safe all the time, life can become rather dull and regimented. The key, as I've noted in countless posts, is to strike a healthy balance between fun and prudence. Go where the road takes you, but don't do it with a beer in hand and a dead cell phone. If you've drank, always be sure to have a designated driver. Don't wander the streets at night alone -- take someone with you or let others know where you're going. Indulge yourself every so often at the store, but only if y...

While certain circumstances in life are beyond our control -- death and taxes among them -- there are three things over which we can maintain control: (1) Attitude: We can see the glass as half empty or half full. Whether we view a situation negatively or positively is our choice. (2) Our words: The words that come out of our mouths, as well as those we put down on paper, ought to be chosen carefully, as they're not always easily forgotten. (3) Our actions: Life is less about what happens to us than what we do with what happens to us. Our lives are a direct reflection of the decisions we make. However, this is easier said than done. Oftentimes, we're blindsided by unforeseen circumstances that cause our emotions to supersede rationality, resulting in our later regretting some of the things we say or do. For example, you might be having an awful day after being passed for a promotion or getting fired. Upon getting home, you snap at your spouse when he complains for t...