According to a recent survey, 54% of American smartphone owners check their phones in bed -- sometimes in the middle of the night.

CNN: Smartphones let work win out

If you need daily check-ins you can set regular meetings times in the middle of the day that will accommodate both types of workers.

FORBES: 5 Reasons to Love Working From Home

From international money transfer to bill-pay to check cashing and prepaid, Walmart has been a pioneer of financial services for the emerging middle class.

FORBES: Bluebird vs Greendot. Prepaid wins.