Fifteen years ago it used to be hard products, now there's a lot more manufacturer reps, particularly in computer repair, service, Web site designers.

Fifteen years ago, I really give up American market,

Less than 50 percent of people even have access to the Internet so there's an ignorance factor that fuels this. What they have heard is about these billionaires from places like monster.com and they see all this stuff and say the Internet is a goldmine.

Every physician needs to have a disaster preparation and recovery plan, even if the practice is located in a relatively low-risk area for natural disasters. Even if it is not formally written down, you need to consider how you will continue operating if disaster strikes.

The Internet has opened a lot of doors. They (the pitches) fall into a gray area between someone who's selling snake oil and a really good business opportunity. You really can make money with a home-based Internet business, but most people won't.

The most common question over the last year is how to choose the best tax structure and how to protect their assets.