Have you heard of mint.com? It is the same concept, including the passwords, but it is a secure, reputable site. I have an account there, but don't use it much. I have had it for over a year, and never any problems. It did make me nervous at first, but I heard a lot about it from Clark Howard...
I baked for my local farmer's market (in Ohio) for the last 3 years. You only need a license if you are baking certain things. I could do breads, cakes, cookies, pies, candies, etc. If you make something that has to be kept at a certain temperature (FI: cheesecakes), you must have a license. I...