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How To Avoid Scams And Fraud

People who are eager to start a home business are often new to the Internet and filled with hope. Unfortunately, that can make them easy prey for con artists. The lure of easy money can serve as a difficult lesson for those who fall for it. If you are looking at job opportunities online, it’s important to watch out for scams and get-rich-quick schemes. Many scams are cleverly packaged, making it hard to determine the legitimate work opportunities from the fraudulent ones.


How to Avoid Scams and Fraud

People who are eager to start a home business are often new to the Internet and filled with hope. Unfortunately, that can make them easy prey for con artists. The lure of easy money can serve as a difficult lesson for those who fall for it. If you are looking at job opportunities online, it’s important to watch out for scams and get-rich-quick schemes. Many scams are cleverly packaged, making it hard to determine the legitimate work opportunities from the fraudulent ones.

"If you are looking at employment or business opportunities online, watch out for scams," Tamsevicius says. "Many get-rich-quick schemes are cleverly packaged, making it hard to sift legitimate work opportunities from the swindles." Common cons include Nigerian letter schemes asking for money, pyramid schemes, Ponzi schemes, and "work at home" offers that involve stuffing envelopes or assembling crafts.

Here are some tips for sidestepping scams:

1. If it sounds too good to be true, it probably is! Any offer that promises to make you rich overnight with a business that works while you sleep is a rip-off. Watch out if a company promises large profits for little or no work, or claims no experience is necessary. If anyone can do it, why should you pay to learn about it?

For that reason, multilevel marketing (MLM) has gotten a bad rap. Granted, there may be some legitimate money-making programs out there, but there are also a large number of overhyped, overpromising, underdelivering scams too.

2. Be especially wary of any company that requires an initial investment to get involved.

3. Be leery of anyone who uses hard-sell tactics or pushes you to sign up right away. Take your time to think about opportunities. If you do find a program that intrigues you, do yourself a favor and check it out first.

4. Double-check the reputation of a company before signing up for its program. Get at least three references from people who are currently involved in the program to get the real story. Find out what strings are attached, how much money it will take to get started, and what the “fine print” says. Also find out how long they have been in business. Ask what their experience has been working with them. How long have they been in business? What kind of training will the company provide? Do they have a good support system for their sales representatives?

5. Read the fine print before you sign anything. If you don't understand an agreement, have a lawyer or an accountant review it before signing.

6. Make sure there is an out. Before you sign ANYTHING, find out what the procedure is to withdraw if you change your mind and what, if anything, it will cost you. If you have to pay startup fees, pay with a credit card rather than cash or check. That way if things go awry you can cancel payment or dispute your credit card charges.

How to check out a scam or potential “business” opportunity:

1) Contact your local Better Business Bureau (BBB). The national BBB web site is There you will find a link to locate the BBB for your area and information on work-at-home scams and how to file a complaint.

2) Check the Scambusters

3) Go to WorldWideScam, offers a funny insight into some of the more outrageous scams in circulation.

4) Visit the MLM Survivor Site. Here you can check out any potential MLM opportunities to see how reputable they are.

5) The United States Postal Inspection Service offers several pages on its web site about scams, including work-at-home schemes, multi-level-marketing schemes, distributorship and franchise fraud, and how to file a mail fraud complaint.

6) The Federal Trade Commission offers information on work-at-home schemes, medical billing, business opportunity schemes, the top 10 Dot Cons, and how to file a complaint.

7) The National Consumer League’s National Fraud Information Center offers information on pyramid schemes, MLM, and how to report a fraud.


If you fall victim to a scam let others know so that you can protect them from falling prey too! Here’s how to report a fraudulent business:

1) Contact the attorney general in your local state.

2) File a complaint with the Better Business Bureau in the fraudulent business’ native state. You can find contact information for that individual state at the BBB web site at .

3) Report it to the Federal Trade Commission. Call them at 1-800-876-7060 or visit their web site at to file a complaint.

4) List them with the Internet Fraud Complaint Center at www.

5) Take action by reporting any spam emailers to and


Online Scams: How To Avoid Getting Fooled

Learn how to avoid the three most popular scams you will run into online without damaging the thrill of surfing the internet.

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Beware of the three ways of getting fooled into giving up your money through seemingly innocent money-making schemes. Scams are all around us and it can be found in every single area of life, but more so in such areas where the risk is greater such as when dealing with credit cards, bank accounts and other activities which involve sending or receiving money online.

The Bank/Credit Card Email Scam:
If you get an email asking you to sign up to your bank account or credit card through the email because your privacy is under danger or just to receive a free gift or something: BEWARE! Do not sign up through the internet address provided in the email. If the email does make you anxious, go to the bank or credit card site using the address you know already or through searching the search engines.
How Does This Scam Work?
The senders of the email know that only a very few will sign up but that is all they need. When you signed up to the bogus internet address, they got your user and password. Now its time for them to party!

The Missing Millionaire Scam:
If you receive an email saying that they represent a dead or missing former ruler, high-ranking official or businessman from an African, Gulf or even Russian: BEWARE! They offer you a chance to earn anything between one to five percent of ten to fifty million. And for your co-operation only. Don't get sucked into this, for though they speak of giving you money, they will receive cash and from your account.
How Does This Scam Work?
They will ask you for your bank details in order to transfer the cash and then they will use that to transfer a small amount. Now, once you trust them, they will ask you for more personal and secure details because they "need" that to transfer the entire sum in and out of your account. What they won't tell you is that they will transfer all the money out from your account: theirs and yours.

The Make Money Fast Scam:
This is the most innocent of the lot, but that is also why it is the most dangerous. These are so-called companies that advertise that if you only sign up and use their system, you will mint money. Please do not fall for such schemes. They will pay you some money but then once trust is built, they will fleece your bank account. Remember that quick money scams are the surest and fastest way to lose all your money!

Whatever you do online, always remember that the internet is not a safe place. Treat it like you would treat any other business venture and bring up your guard. If you play it safe and check out the companies before committing, you will be able to guard yourself against losing money to crooks.


How to Find a Niche For Your Blog

It is important to realize that your choice of a niche can have a significant influence on the success or failure of your new blog.

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It is important to realize that your choice of a niche can have a significant influence on the success or failure of your new blog.

Deciding on a theme can be a daunting task. What exactly are you going to write about? Your niche needs to be a popular topic that many people are interested in.

If you are going to blog about yourself, then you better have a very interesting life, or you will have difficulty keeping your readers coming back for more. You should choose a topic that will make it comparatively easy to grow your readership and build a strong following.

Since many bloggers write about their favorite subjects, it’s not a bad idea to start brainstorming by writing down a list of your hobbies, interests, and any areas of professional expertise. Now try to determine a niche you can target within one of those areas.

Should you blog about automobiles in general, or the latest sports cars? If you choose too narrow a theme then you may struggle to come up with regular, fresh content. And if you choose a topic that’s too general your readers may be confused by a jumble of seemingly unrelated posts.

You might consider niches within the following general topic areas which have proven to be popular for blogging:

• Automobiles
• Computers & Information Technology
• Digital Cameras
• Gadgets
• Music
• News
• Photography
• Politics
• Shopping

If you plan to use Pay-Per-Click advertising to get traffic to your blog, then remember also that the hottest topics might have the highest pay-per-click fees.

You can sometimes get great niche ideas by browsing at Blog directories and sites like Google Blog Search:

Since it is so time-consuming trying to com up with the ‘perfect’ niche idea, many bloggers and webmasters have turned to specialized niche discovery tools. I particularly recommend Online Gold Finder and NicheTopics.

With Online Gold Finder you can uncover profitable, undiscovered online markets with just a couple of clicks. Read more about Online Gold Finder at:

NicheTopics is quite handy in a different way. You get to use some great research that’s already been completed by an expert. It is a ready-to-use report on 109 unique, untapped niches. Read more about NicheTopics:

The tools above are not free but consider for a moment. If you are planning – or would even like - to make some money from your blog, then it will be worthwhile to start off with a well-researched niche.

If a particular tool uncovers a good niche that pays an additional $5 a day, it will pay for itself inside the first month!

Don’t forget, it will be very difficult to change the theme and niche of your blog later. So invest some time wisely during your planning stage.

You will be off to a strong start in building a successful blog.


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