It isn't uncommon for small crises to turn into a huge time drain if you haven't planned ahead. I'm not saying that you should spend an inordinate amount of time trying to plan for every possible emergency, but there are some very basic level precautions that are worth the small amount of effort they require. Here are a couple crises to consider: Your wallet gets stolen while you are traveling to another city. Your car gets a flat tire. Your cellphone gets its memory erased. These are all fairly minor issues if you are prepared. They can become catastrophic issues if you are not prepared.  For example, if your cellphone memory gets erased, as long as you have a backup of … [Read more...]