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The Internet is full of ads for work at home opportunities promising you thousands of dollars a month for staying at home while doing little or no work. If you are struggling financially, as so many people are, these ads sound like the answer to your dreams.

If you are thinking about investing your time or money in any of these ads, proceed with caution. Not all work at home opportunities deliver on their promises. In fact, a large percentage of them are scams and should be avoided.

Most advertisements for these opportunities deliberately omit certain facts, including only the information that will draw your attention. There is no mention of how many hours you will need to devote to the program or what the total investment costs may be.

Many work at home schemes require you to cover the costs of placing newspaper ads, buying office supplies, etc. This is in addition to whatever start-up fee or initial investment is required. Many people lose thousands of dollars plus their time and energy because they fall prey to these schemes.

There are many of these work at home scams floating around on the Internet. Some of them are listed below:

ASSEMBLY OR CRAFT WORK: Most of these programs tell you how easy it is to produce goods for a company that promises to buy them from you once you complete them, thus earning you a nice weekly income. They fail to tell you how many hours are required in order to produce those items or how much of your money is required as an investment in equipment or supplies, sometimes adding up to hundreds of dollars.

An example of this is a company that pays you to make aprons. You need to either have a sewing machine or purchase one. You may also be required to buy materials to make your aprons. However, after you purchase the materials and equipment and perform the work required, you are not paid.

How can they get away with this? They tell you the work does not meet their “quality standards.” Unfortunately, no work ever done by anyone is “up to standard” leaving you with a loss of income and investment. If you want to sell the items you have made, you are forced to find your own customers.

CHAIN LETTERS: Ads for chain letters tell you to make copies of a certain letter and send that letter to people whose names and addresses are provided. All you are required to do is send ten dollars for a mailing list and labels. You are then shown a chart to see how you can automatically receive thousands of dollars.

In reality, the only people who ever make any money from chain letters are the ones who are at the top of the chain who, by the way, are continually changing names and post office boxes. The person who sends you the chain letter tries to pull you in by claiming to be a successful lawyer who does this on the side and who assures you that there is nothing illegal about chain letters.

ENVELOPE STUFFING: Ads for envelope stuffing have been around for years in various formats. The basic claim is that for a fee, you will be provided with directions to earn money from home simply by stuffing envelopes.

After you make the initial investment, you discover there was never any real employment offer. Instead, you are told how to place ads in newspapers, magazines, online classifieds, etc. The only way for you to earn money is if people respond to your ads.

MULTI-LEVEL MARKETING: Ads for MLM programs tell you how you can earn more money than you have ever had in your life. By joining their program it will be possible for you to let others earn money for you while you enjoy your prosperous lifestyle!

Multi-level marketing is a business based on direct sales. It is a solid, well-established, legal form of business that has provided profit for many people who have successfully sold products for reputable companies.

Many illegal pyramid schemes can resemble these legitimate MLM programs. The difference is that instead of selling a product, your primary goal is to recruit others into the program. At some point, everything collapses because the market becomes saturated and only a few people at the top have made money.

MEDICAL BILLING: Ads for medical billing are in newspapers, magazines, and on the Internet. The sales pitch says there is a crisis in the health care industry due to the massive task of processing paper claims. Since only a small fraction of the claims are fulfilled electronically, the opportunities in this area are huge.

Supposedly, doctors want to contract out their billing services to save money. This means you should be able to earn a sizable income working from home providing services like billing and accounts receivable. No experience is required and you will be provided with clients. Unfortunately, the reality is that you have to do the selling yourself.

Very few people who invest in a medical billing business are able to find clients and generate an income, let alone recover their investments. The competition in this market is brutal and primarily centers on a few large companies.

Before making any investments in any companies, ask questions, specifically regarding investment amounts and the requirements for running the business. Insist upon receiving contact information for references. Contact those references and speak to them, preferably in person.

If you invest in any work at home opportunity and find that it is not legitimate, contact the company and ask for a refund. If they will not honor your request, find out the physical address and contact information of the company. You can then make a complaint with the Better Business Bureau or your local Attorney General’s office. You can also find out if any other complaints have been received for that company.

Chris Chenoweth writes articles pertaining to health and nutrition, budgeting, and online business. If you would like additional information regarding work at home opportunities, learn how to earn a respectable income every month from legitimate online companies. You ARE required to put in some work but there are no hidden fees or investments required and you can start immediately: http://www.ezniche.com/data/article.php?l=352

1. Start with a good business plan (you don’t have to hire a professional to do this for you, you are the entrepreneur, you have the ideas, so you can make your own business plan! You just perhaps need a guide on how you will present it. There are many free information available on the internet on how to do this!!) & proper registration, paper works for your business (you may contact your county’s Small Business Administration Office, they provide free consultation, guidelines and information on how to register your business!)

2. By now, you should know what software to buy (at least, that would be the software you are experienced and familiar with) —but DO NOT buy it yet!

3. You must market your medical billing service first before you purchase that software (it is safer to have a client first in hand before you make the purchase, this way, you’re sure you have a client before investing on the software— they’re expensive!). I suggest, you contact your own doctor & specialists that you visit, and your friends who are in the medical field who trust you and knows what you do

4. Find your first client. How are you going to do this? In the yellow pages, insurance companies website (you can access many of insurance companies’ doctors’ database even if you are not a member of that insurance company) and your friends in the medical field. Looking at the job ad in the newspaper or on any internet job site who needs medical biller is also a good prospect!

5. How do you market it? Send out newsletters, pens, calendars or any give-aways to the doctor’s office. But remember, it is best to convince the office manager about your service! Believe it or not, newsletter I think is most effective. Give them something they can read that shows them beneficial to their practice, especially on their cash-flow crisis!

6. Offer your prospect the most competitive rate (anyway, you are still starting and you need to prove your work-quality as a start-up business! - break even for the first 3 months is just logical)

7. Here’s the most important thing (if you can do it) — upon signing of “service contract”, ask for a start-up fee (to set up their practice’ database in your server) of at least $500.00. This will then be refunded to them on their 3rd and 4th invoice. If you send your invoice every two weeks, you will refund this start up fee on the 7th and 9th week (that’s approximately after 2 months!), fair enough? Right?

8. You have now a cash-on-hand of $500. It’s time to contact your billing software reseller and purchase the software. Let them guide you how to set up the software (this is easy to do!). If the software will cost you $1,000, you only had to pay $500 out-of-your pocket for that software because you have already collected $500 as a start-up fee from your 1st client.

9. Set up your client’s database on your billing software (you can upload their database and download it on your system!—take note of compatibility of their software!). Or if not, set it up, manually.

10. Start processing claims immediately!, deliver results! collect their money and make your provider very pleased with your service!

The above 10 smart ways are just my ideas. Trust no one but yourself. You can not imagine you can be victimized by scams! Read more, get more information. Remember, knowledge is power! There are no shortcuts to success!

Pinky Mcbanon is an experienced Medical Biller and Coder based in New York. A graduate of Bachelor Science in Computer Engineering. A Medical Practice Billing Consultant. She shares her expertise and knowledge with http://www.medclaimsplus.com.

I will have to be first when I admit I am addicted to the Internet. Whenever I’ve got a spare hour, I love to just surf around as a form of entertainment. I have also found out about the world of download. I can take the best in modern music and DVD and watch or listen as I do whatever else I want. This is the kind of thing that absolutely anyone could become addicted to. Whatever entertainment you want for the cost of your Internet connection! Wow.

As perhaps you would expect, when I am online all the time I run into a few problems that I have had to deal with. When downloading, you are simply asking for problems when these files are not being scanned before you actually download them. I lost all information from my hard disk before, and that includes my financial records, my photographs and the all the games, and DVDs and music which I had downloaded along the way.

Before, I just had some anti-virus software called Norton which was just on my computer when I bought it. I thought it worked fine but occasionally some viruses would get through. Yes only occasionally, but this is not good enough when your computer could just crash at any given time. This is a problem that you have to tackle before some malware or spyware penetrates your hard drive or the internals of your computer. My friend’s PC just started switching off whenever it pleased as a result of this and the same thing could easily happen to you.

So basically what I would recommend is that you do not surf the Internet, then your current protection will probably be ok. However if you do, then you absolutely have to upgrade your virus package.

So now I don’t rely on any rubbish package for anti-virus protection. You simply have to update your as well if you want to protect your computer. Because the Internet changes every minute, so does the viruses that your anti-virus software has to tackle. That is why you need software which automatically updates itself via your Internet connection. Think about when a new virus pops-along. Will your two-year old package be able to defend your computer? I do not think so some how.

And other thing that you need from anti-virus software is something that will come with support functionality. Imagine when you realize that you have zero idea how to upload your software. You need a call-center that is going to ensure you can get it working on your computer. You should actually get software which directly meets your surfing habits. If you do not then you are just asking for problems to happen. Look at the software and ask questions. Will this be able to handle downloading from peer-to-peer networks?

Basically, if you spend your time online or even if you work from the Internet then you cannot afford not to invest in some quality anti-virus protection. Having some rubbish package is better than nothing, however things are far more sophisticated these days, and you really need something that is going to work. It is a wise investment, and think how much money you will save once you start downloading free stuff online?

Eoin Kane is the editor of a top http://www.latestcommunications.com website, and he also runs a site about http://www.keycareersolutions.com

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