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ENVELOPE STUFFING

A typical ad might read - "$350 Weekly Guaran-teed!  Work two hours daily at home stuffing envelopes."

When answering such ads, you may not receive the expected envelopes for stuffing, but instead get promotional material asking for cash just for details on money-making plans.  The details usually turn out to be instructions on how to go into the business of placing the same kind of ad the advertiser ran in the first place.  Pursuing the envelope ad plan may require spending several hundred dollars more for advertising, postage, envelopes, and printing.

ONLINE BUSINESS

You pay for a useless guide to work at home jobs--a mixture of computer related work such as word processing or data entry and the same old envelope stuffing and home crafts scams.  The computer disk is as worthless as the guidebook.

PROCESSING MEDICAL INSURANCE CLAIMS

A typical ad might read - "You can earn from $800 to $1000 weekly processing insurance claims on your home computer for health care professionals such as doctors, dentists, chiropractors, and podiatrists.  Over 80% of providers need your service.  Learn how in one day!"

Generally, the promoter of this scheme attracts you by advertising on cable television and, perhaps, by inviting you to a business opportunity trade show at a hotel or convention center.  You may be urged to buy software programs or even computers at exorbitant prices.  You may be required to pay for expensive training sessions and you may be pressured to make a decision immediately.

You may be left with no way to deliver what you have promised to your clients or customers - if you found any -and with no way to earn any money on your own.

Unfortunately there are also Multi-Level Marketing Scams.

Multi-level marketing, a direct sales system, is a well established, legitimate form of business.  Many people have successfully sold the products and services of highly reputable companies.  These people are independent business owners who sell popular products or services and also recruit other business owners to join them.

On the other hand, pyramid scams can resemble these legitimate direct sales systems.  New business owners keep money coming in by buying huge inventories, books, tapes, etc. and recruiting.  Sooner or later the people on the bottom are stuck with a saturated market, and they cannot make money by selling products or recruiting.  When the system collapses, the few at the top have made money, but those on the bottom have lost their investment.

ASSEMBLY WORK AT HOME

A typical ad might read - "Assembly work at home !  Easy money assembling craft items.  No experience necessary."

This scheme requires you to invest hundreds of dollars in instructions and materials and many hours of your time to produce items such as baby booties, toy clowns, and plastic signs for a company that has promised to buy them.  Once you have purchased the supplies and have done the work, the company often decides not to pay you because your work does not meet certain "standards".

You are left with merchandise that is difficult or impossible to sell.

How reputable is the company ?

How long has the company been in business ?

Is the company a member of the Better Business Bureau and the Chamber of Commerce ?

Is the company affiliated with any Professional

Organizations ?

How much does it cost to start your home business ?

Is there inventory to be purchased ?

Does the company offer training and support ?

Does the company publish the actual name of the company and furnish a real person to contact ?