[Yoni1]

That's good personal advice - but it's not really a solution to the problem for everyone.

[justinschuh]

It's really the only solution if you want to maintain some degree of personal privacy, and don't want to incur all your employer's liability on your personal account (and vice versa).

[kamjam]

That's largely going to depend on where you live and the laws of that place. Remember, it's a worldwide market these days!