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Tech geeks are moving from coffee shops to Speak Easy, a new trend in co-working spaces. Entrepreneurs and tech geeks have a new brand of co-working space that feels more like a Moose Lodge than an office space.

Those who do contracting on the side, work from home, or do their own freelance thing have to watch every dime that goes out. Here's a few dimes you can catch

So you want to change the world? Cynics may send you off to Wall Street or a white-shoe law firm. Those with gumption will look for another way.

John Schmitt opted to self-fund his employees' medical claims, and saw his company health insurance costs drop 20 percent. John Charles Schmitt II , who heads up Plans for Professionals, a 300-person life insurance firm in Orange, Connecticut, used to work with Connecticut Blue Cross and Blue Shield to cover his employee health insurance costs. But as premiums rose and new healthcare guidelines started to come into effect, even Schmitt—who played ten football seasons with the Jets, won the 1969 Super Bowl with quarterback Joe Namath and had 16 operations due to football injuries—became nervous.

Dear Norm, I have a company that works with people who have credit problems. We offer a free initial consultation and then suggest ways that our clients can improve their creditworthiness

It's a dirty business, but searching a rival's trash is generally legal—as long as it does not involve trespassing on private property or taking the bags before they hit the curb, according to Richard Horowitz, a lawyer who works with Strategic and Competitive Intelligence Professionals, an industry group. In fact, there are best practices associated with Dumpster diving, according to J.J. Gradoni, a private investigator in Houston.