If you have children and you are considering working from home, it might seem like a wonderful option. But you do need to consider all the angles before you take the plunge.

The bonus is that instead of having to find a child minder while you go out to work each day, you will be at home with your kids instead of missing out on everything they get up to. But how much work do you honestly think you will be able to do while they are getting under your feet?

Every day, as a spiritual advisor, I receive phone calls from old clients and new who are scared because they have lost their jobs. Many have lost jobs that they've held for over a decade. Most felt that they would never be in the position they are in now.

Right now this is the reality of the economy and it's not going to change quickly. Unemployment is the ugly scar of this recession that'll be the last thing to fade. There are ways that you can beat the odds and find a job or start your own small business. Let's start with the basics.