HOW TO MAKE LEGIT MONEY

CBN.com – For many of our forebears, home wasn't just a place to live—it was a center of commerce. Whether by running a cottage industry or a family farm, our ancestors earned a living not far from where they ate and slept. Work began moving away from home during the industrial revolution. Now, in the information age, work-at-home jobs are gaining new ground. In this article, we examine several work-at-home options—and alert you to common work-at-home scams.
Every morning, I roll out of bed about 6:30, take a shower, eat breakfast, read from the Word, and head to work. In my case, work is about five steps from the kitchen. I am among the estimated 20-30 million of Americans who work from home.
Some of us work at home full-time. Others do it part-time to supplement the family income. Some work for specific employers. Others work as freelancers. Still others operate their own home-based business.
Working from home isn't new, of course. Family farms have been around as long as the human race has existed. More recently, European merchants of the Middle Ages often had their shops on the first floor of their houses, and their living quarters upstairs. In the 18th and 19th centuries, women often were engaged in cottage industries involving sewing and spinning.
But most of us grew up in situations in which "work" was some place other than at home. Work was at the office across town or at the factory several miles away.
Even so, work-at-home businesses have never gone away completely, and with the advent of inexpensive computers and high-speed Internet connections, many tasks that used to be done in "traditional office" space can now be done in "virtual" space. The Web also has simplified the product-ordering process for people involved in home-based direct sales, and has lowered the "cost of entry" for budding entrepreneurs who can now create businesses with a worldwide reach on a shoestring budget.
While working from home is enjoying a new heyday, don't get the idea that home-based work is for everybody. Frankly, some people simply aren't cut out for it. Working from home, especially on a full-time basis, demands that one be an organized, self-starting, goal-oriented perfectionist with limited need for social contact! Knowing your way around a computer helps too.
But the big catch is the job itself. What can you do from home and earn a living? "Aye, there's the rub," as writer Will Shakespeare once penned. In this article, we'll offer an overview of some popular work-at-home opportunities, as well as a few you would be wise to stay away from.
Work a little, earn a lot?
A Google search on "work at home" yields about 1.8 million results, some touting intriguing pitch lines such as "Earn $500-$1000 per day" and "Mom Makes $5K/Month at Home." Guess what? Most such ads are simply scams dressed up in work-at-home clothing. Christine Durst, co-founder of Staff centric, a virtual-careers training company, estimates that more than 98 percent of advertised work-at-home ideas are either "outright scams or downright suspicious." (Durst's company screens online job offers and rates them at RatRaceRebellion.com. Another site that investigates work-at-home ideas is IveTriedThat.com —their slogan: "We lose money so you don't have to.")
As the old saying goes, "Forewarned is forearmed," so here is a rundown of just a few of the work-at-home scams you're likely to run across if you're searching for a way to make money from home:
Rebate processing. This one seems plausible (scams often do). After all, someone has to process all those UPC codes and other paperwork that people send in to get rebates.
But this is often a bait-and-switch scam. After you send in your $200 to get started in the rebate-processing business, you'll probably find out that what you've actually done is sign up to be an "affiliate marketer" for whatever product the company wants you to sell. If you sell something, then you get to process the rebate forms that your buyers send back in. So, yes, you will be processing rebates, but not quite in the way you envisioned. (By the way, the rebate money will come out of what you earned on your sales, so every time you process a rebate, you lose part of your earnings. Ouch.)
Mystery shopping. Not all mystery shopping jobs are scams. There are companies (particularly those with franchise operations) that pay people to shop at specific stores or eat at particular restaurants and then report back about their experience. This gives the companies helpful feedback about quality control.
But the mystery-shopping scam is a bit different. In the scam version, the unsuspecting shopper is told to provide feedback on a Western Union or MoneyGram outlet. The scammer sends the newly hired mystery shopper a check, along with instructions to deposit it in the shopper's personal bank account. Then the shopper is instructed to go to a Western Union or MoneyGram outlet and wire a portion of that money (drawn from the shopper's bank account) to a particular location.
The scam: The initial check turns out to be fraudulent, so the shopper has just wired his or her own money to the scammer (who is never heard from again).
Google cash. This one, promoted on hundreds of web sites, goes by many names: Google Money Tree, Google Profits, Google Money System, Fast Cash with Google, Google Home Business Kit—you get the idea. It’s not Google itself trying to scam users—it’s companies that use tools provided by the search engine to try and sell kits and services that teach you how to make money on it.
The pitch varies from site to site, but is often something like this: "Hi! My name is Cindy Ward, and I'm a stay-at-home Christian mom in Greenville, South Carolina. I've discovered how to make a great part-time income using my computer from home! I work about 15 hours a week and bring in an extra $1,300/week on average. I can stay home with my three wonderful kids and still make money, and anybody can do it!" (One site with the "I'm-a-stay-at-home-Christian-mom" pitch advertises heavily on conservative blogs, targeting conservative Christians who are ripe for taking the bait.)
Other "Google cash"-type sites target workers who've been laid off: "A few months back, I lost my job as a boring account rep for a manufacturing company. But now I make $5,000+ a month on Google. You can do the same."
Still others target people who've been burned by scams: "I got so frustrated with all the work-at-home scams that I was ready to throw in the towel. Then I discovered how to make money with my own Google business." Scam sites routinely acknowledge that scams are rampant. It's one way they try to gain your confidence ("I got scammed four times before I finally found a legitimate way to make money online.")
These "Google Cash" sites often seem disarming, with family photos and chatty copy. Usually there are comments posted from folks (smiling photos attached) who signed-up and now have found out "just how easy it is to make money online." One site notes that "BusinessWeek recently published a story about all the people making money with Google" (while failing to note it was about people earning big returns on Google stock).
Somehow it all seems too good to be true. And it is. Poke around a bit and you're likely to find the fine print. This is from an actual site promoting a make-money-on-Google scam: "All persons mentioned on this blog are fictional examples … for demonstration purposes only." What? Cindy, the stay-at-home Christian mom with three wonderful kids, isn't real? "The statements contained herein come from many different people and are not necessarily being made about the specific products discussed." All those endorsements from folks thanking Cindy aren't really about Cindy and her money-making program?
Well, at least the fine print is honest. Unfortunately, many people don't read the fine print. They take the bait and sign up. After all, Cindy seems so nice and the sign-up fee is cheap—only about $3—so what do I have to lose?
The "honest" fine print addresses that, too. "After 14 days, you will be charged a monthly fee of $47.50 for … membership. After the 30-day trial [you] will be charged $99 for the program … You may stop payment on any pre-authorized charge by notifying [us] at least three business days prior to the scheduled charge date." Unfortunately, there is no clear contact information listed on the site, so finding a person to contact about stopping your monthly payment of $47.50 (and your $99 fee) may be a bit difficult.
By the way, a lack of contact information on a "make-money-from-home" site is a red flag. When there's no clear way to contact whomever is running the site, that is usually a pretty good indicator you're dealing with a scammer. Even if there is contact info, don't assume everything is okay. Check it out. If an address is listed, look it up on Map quest or Google Maps. See if it really exists. If there's a phone number, call and find out who answers.
More scams. According to the Federal Trade Commission, other common work-at-home scams are related to medical billing ("There's a severe shortage of people processing medical claims!"), envelope stuffing ("For a small fee, we'll tell you how you can earn money stuffing envelopes at home!"), and assembly and craft work ("You can assemble products at home in your spare time!"). In each case, the only one making any money on these deals is likely to be the scammer, who happily accepts your sign-up fee and the money you send in for a "start-up kit"—and then disappears.