Work from Home Ads.
They are everywhere — from the telephone pole on the corner to your newspaper, email and favorite websites. The jobs might be different, but the message is the same — Be the Boss! Start earning a great living today working from home, Be part of one of America’s Fastest Growing Industries. Earn thousands of dollars a month from home! All in your spare time.
Job is scarce and money’s tight, work-at-home opportunities can sound like just the thing to make ends meet. Some dared even promise a refund if you don’t succeed. But the truth is many of these jobs are scams. The con crooks peddling them may get you to pay for starter kits or certifications that are useless, and may even charge your credit card without permission. 99.9% just don’t deliver on their promises. The ads never tell you that you may have to work a lot of hours without pay, or they don’t disclose all the costs you might incur — for example, buying the envelopes, paper, stamps and other supplies you need to do the job or placing newspaper ads, making photocopies etc.
The desperates tricked by these ads have lost thousands of dollars, not to mention time and energy and their sanity even. Alarm Signs of a Job Scam Scammers advertise jobs where and just like legitimate employers do — online, in newspapers, and even on TV and radio.
Here’s how to tell whether a job lead is a scam:
You are asked to pay to get the job
They will say they’ve got a job waiting, or guarantee to place you in a job, if you just pay a fee for certification, training materials, or their expenses placing you with a company. You pay and the job failed to materialize. Employers and employment firms never and shouldn’t ask you to pay for the promise of a job.
You are required to supply your credit card or bank account information Never ever give out your credit card or bank account information over the phone to a company unless you're familiar with them and have agreed to pay for something. Anyone who has your account information in their safe keeping can and will use it.
The posted ad is for "previously undisclosed" federal government jobs Information about all available federal jobs is free. And all federal positions always are announced to the public on usajobs.gov. Never believe anyone who promises you a federal or postal job.
Avoid these 5 most common work-at-home schemes:
Envelope Stuffing
For a “small” fee, the ad blares, you’ll learn how to earn lots of money stuffing envelopes at home. But once your payment is made, you find out the promoter never had any work to offer. Instead, after you send in your money, you get a letter telling you to recruit other people, even your friends and relatives, to buy the same envelope-stuffing “opportunity” or some other product. Typical MLM, the only way you can earn any money is if people respond the same way you did.
Assembly or Craft Work
According to the glossy ad, you can make money assembling crafts or other products at home. You may have to invest hundreds of dollars for equipment or supplies — for example, a sewing or sign-making machine from the company, or materials to make items like aprons, baby shoes or plastic signs — or spend lots of hours producing goods for a company that has promised to buy them. But after you’ve paid money and done the work, the company refuses to pay you — supposedly because your work isn’t “up to standard.” Unfortunately just another lie; for no work ever is, and you’re left with equipment and supplies — but without any income to show for it.
Rebate Processing
In your email you will be enticed by an ad that you can earn money by helping to process rebates. And the fee for training, certification or registration is pea nut compared to what you’ll earn processing rebates from home, according to the promises in the ad. It promises the #1 certified work-at-home consultant behind the program will show you how to succeed like she did. But what you get are poorly written and useless training materials. There are no rebates to process, and few if any ever see a refund.
Online Searches
The ad on the website piques your curiosity as in “curiosity kills the cat”— earn $500 to $1000 a week, or even $7,000 a month, running Internet searches on prominent search engines and filling out forms. Better still, you can be your own boss and do the work right from home. What have you got to lose, except a small shipping and handling fee? Unfortunately, you have everything to lose. The company is in no way connected any well-known search engine — scammers are just lying into tricking you to handing over your credit or debit card information. Once you pay them even a tiny fee online, they will use your financial information to charge you recurring fees.
Medical Billing
Luring you with promises of a substantial income for full- or part-time work processing medical claims electronically — no experience needed, the ads is very very clever indeed. So you call the toll-free number, a sales rep tells you doctors are eager for help, and in exchange for your investment of hundreds — or thousands — of dollars, you’ll get everything you need to launch your own medical billing business, including the software to process the claims, a list of potential clients and technical support. The truth is companies rarely provide experienced sales staff or contacts in the medical community. The lists they give you often are out-of-date and include doctors who haven’t asked for billing services. The software they send may not even work. Medical billing market is fierce and extremely competitive, and very few people who purchase these “opportunities” are able to find clients, start a business or generate revenue — let alone get back their investment and earn any income. Many doctors’ offices process their own medical claims, and the few who contract out their billing function often use large, well-established firms, rather than an obscure working from home. To avoid a medical-billing scam, ask for a list of previous purchasers for the purpose of references. You can pick and choose whom to contact; if the promoter gives only one or two names, consider that they may be “shills” hired to say good things. Make an attempt to interview people or person where the business operates. Liase with organizations for medical claims processors or medical billing businesses and doctors in your community about the field.
Finally, consult an attorney, accountant or other business advisor before an agreement is signed or any payments are made up front. When it comes to business opportunities, there are no sure bets. Any promises of a big income for work from home, especially when the “opportunity” involves an up-front fee or divulging your credit card information, should make you very very suspicious. It matters not if the ad shows up in a trusted newspaper or website — or if the people you talk to on the phone sound legitimate. The offer demands both research and skepticism.
Ask Them Questions
If you’re still thinking about following up on a work-at-home offer, do a few tasks.
Ask some questions:
• What kind of tasks will I have to perform? (Ask the program sponsor to list every step of the job.)
• Will there be a salary or will I be paid on commission?
• On what basis are your claims about my likely earnings? Any survey conducted on anyone who purchased the program? Can you show me documents to prove your claims are true before I give you any money?
• Who is going to pay me?
• When will my first paycheck be?
• Please list the total cost of this work-at-home program, including supplies, equipment and membership fees? What is my ROI (Return Of Investment) for my money?
The replies to these questions may help you determine whether a work-at-home program is legitimate, and if it is, whether it’s a good fit for you.
You probably also need to check out the company with your local consumer protection agency, state Attorney General and the Better Business Bureau, both where the company is located and also where you live. These organizations will be able tell you whether they’ve gotten complaints about a particular work-at-home program. Be wary: just because there aren’t complaints doesn’t mean the company is legitimate. These dubious and unscrupulous companies may settle complaints, change their names or move to avoid detection. Additionally, consider other people’s experience by entering the company or promoter’s name with the word complaints into a search engine. Read what others’ experiences are.
Bottom line, you are making a decision that involves spending your money.
Where to file a Complaint
Let’s say that you have spent money and time on a work-at-home program and have strong reason to believe the program may not be legitimate, contact the company and request a refund. Make sure the company representatives understand that you plan to notify law enforcement officials about your experience.
In the event that the dispute with the company can not be resolved, file a complaint with the following organizations:
• The Federal Trade Commission at ftc.gov/complaint or 1-877-FTC-HELP (1-877-382-4357).
• Your local Better Business Bureau at bbb.org.
• The Attorney General’s office in your state or the state where the company is located. Visit naag.org; the office will be able to tell you whether you’re protected by any state law that may regulate work-at-home programs.
• Your local consumer protection offices.
• Your local postmaster. The U.S. Postal Service investigates fraudulent mail practices. Visit postalinspectors.uspis.gov.
• The advertising manager of the publication that ran the ad. The manager may be interested to learn about the problems you’ve had with the company. Tag: jobs, medical billing, work at home, be your own boss, envelope stuffing, get rich
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