Today we are going to have a little change in the format of the program and focus on the financial principles which will lead us to financial security.  Our discussion will cover how to protect our homes and businesses from finacial calamity.  The Lord does require us to manage everything that he gives to us responsibly.  We will explore ways to do just that.  Bring a note book or be sitting at your computer so that you can take notes.           Gail Cavanaugh is a licensed independent life, accident, and health insurance agent with over 20 years in the business.