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Job and Opportunity

The news isn't good. Businesses are down-sizing, reorganizing, and laying off workers in an attempt to remain profitable. If you have recently become unemployed, you know the devastating effect it can have on you financially. But there are some important things you can do to get through this tough time.

Contact your company's personnel department and find out the specifics of your situation. Will you get a severance package? What are the details? Ask about health insurance and if COBRA will be offered? Find out when and how you can apply for unemployment benefits.

Contact your creditors and explain to them your current circumstances. This includes your mortgage lender or landlord, credit card companies, auto loan companies, absolutely anyone to whom you owe money. Try to cut costs everywhere possible. Get down to a bare bones budget until you find other employment.

Maintain your health insurance coverage, if at all possible. Look into purchasing your own health insurance if no other options are available.

Business Opportunities

With more people looking for extra sources of income, new business opportunities are constantly being sought by eager individuals wanting to make more money. Unfortunately, the people who operate business scams know this and are ready, willing and able to take your money in return for absolutely nothing.

If you're considering a new business venture, remember some important facts. Making money requires long hours and hard work. Don't pay anyone a fee for the promise of a job. Never sign or commit to anything until you've thoroughly researched and investigated the company.

Learn the facts about what information you are entitled to when considering a business opportunity. This includes the names, addresses and telephone numbers of other people who have invested in this opportunity. Speak or visit these people directly to verify that the costs, profits, etc are exactly what is being stated to you.

Know everything you should do before buying a business. Study the disclosure document and contract. Interview current owners in person. Investigate claims about the potential earnings. Look at different opportunities. Remember that success doesn't come without hard work and total commitment. Be wary of a business that sounds too good to be true. It probably isn't.

Get professional advice. A lawyer, accountant, or business advisor can advise you on the contract and other documents. Contact your state's Attorney General's office and the Better Business Bureau for more information on the business you are considering.

Working from Home

For many people who are job searching, the idea of working from home is a very appealing one. The ads for these types of work are everywhere. The jobs offered may be different but the bottom line is usually the same- you can make a lot of money (even in your spare time) while working from home. If these business opportunities seem too good to be true, it's because they probably are.

Job Hunting

Searching for a new job is challenging, to say the least. You may see advertisements for companies that offer to help you find that perfect new position. While many firms are legitimate and truly helpful, others are sham businesses which charge high fees in advance with the promise of placing you in a new job. Very rarely does this happen.

Before you sign any placement contract or pay for any placement services, do some investigating on your own. Don't deal with any company that promises you a job- no one can make that guarantee. Be very leery of any firm that makes you pay up-front.

Get a copy of the contract and make sure you read and understand everything. Oral promises mean nothing- insist that everything you want is written into the contract. Don't be fooled by companies promising "previously undisclosed" federal government jobs. All federal positions are listed and available to the public on www.usajobs.gov.

Again, check with the Better Business Bureau and your state Attorney General's office to find out more.

Wealth Building Scams

People are always looking for ways to increase their net worth and have more cash on hand. Given the current state of the economy, more people than ever are considering wealth building investment opportunities- and the scam artists know this!

Fraudulent investment schemes are alive and well and flourishing thanks to unaware and gullible consumers. Some of the more common scams now being seen are the Seminar Pitch, the "Nigerian Scam", foreign lotteries, and check overpayment scams.

You may have received emails from various companies alerting you to what you have won or how you can assist someone with transferring money from another country. Be alert to the various tactics used by these business opportunity and wealth-building scams. Don't be fooled by promises of huge returns on your investment.

By doing research beforehand, you can safeguard your money and be confident that when you do choose to invest, you are putting your cash into a legitimate investment opportunity. It's a lot easier than trying to get your cash back from unscrupulous scam artists.

Beware of Government Grant Scams

The American economy has really taken a hit over the past five years or so. With so many individuals looking for jobs and needing extra income, the climate is ripe for unscrupulous people to take advantage of the situation by offering "free" government money to unsuspecting consumers. Sound too good to be true? According to the Federal Trade Commission, it probably is.

Be Alert to Bogus Business Opportunities

America's economic outlook is slowly improving but many people are still looking for additional sources of income to help weather these tough financial times. The advertisements claiming how easy it is to earn extra money are everywhere. But before you sign a legal contract or spend any of your hard-earned money on a so-called business opportunity, learn about the Business Opportunity Rule.