With exception of a naïve minority, people are "savvy" enough to avoid majority of these scams. So, if you want to get into business on Net, use some common sense and do some "due diligence" investigation before jumping in with both feet .

Do some people make money on Net? Sure - but guess what? They work for it. Some may tell you that JOB is a dirty word and stands for "Just Over Broke". Working for yourself is hard work if you want to succeed. You must run your "Home Business" with same discipline you would use in any other.

You must advertise, advertise, advertise - if people don't know you're there, how do you expect them to find you to do business? Be prepared to work 60 to 70 hours a week or more if it is a full time venture.

But how about those who need financial security of their job, while trying to develop their online business - can they hope to succeed? Yes! But they have to put in their effort in evenings and on weekends. They have to approach it with same attitude as someone doing it full time.

There are a lot of good opportunities "just ripe for picking" out there. If you avoid obvious scams, and do some "due diligence" investigation, you will find one. If first few don't work for you, don't lose heart. Be sure you give it enough time and effort before giving up. If you are sure it won't, "cut your losses" and move on to something else. It may take some time to find a "fit", but when you do, it will be worth your time and effort.

After a few days passed, he checked with his Bank, and money still hadn't arrived. He again called Credit Card Company, was told that information requested was never received, and they were canceling his account, which they did. He then called his customers and sure enough, their accounts were charged for amount of merchandise he delivered.

Now - plot sickens. He is out $334.95 for referral fee and set up fee no matter what happens. In reading "fine print" company can hold his money for 180 days. Will he get his money then? Maybe - if company is still in business . In meantime, his money is most likely in an interest bearing account, and company will walk away with interest plus his $295. At end of waiting period, if they pay him charges they are withholding, company has acted properly as far as law is concerned.

Sounds like small potatoes until you multiply this by several thousand people. Now, AG will probably not get involved if they return money 6 months from now - they did nothing illegal, and they cancelled his account for cause.

Will they get a bad rep - sure - and people will stop doing business with them. But as this article is being written, this particular sales agent is now operating under a different name, and spamming new suckers.

Now pay attention - First, ignore email spams you get from people promising to process credit cards on your behalf. They are simply independant sales agents, and cannot bind actual company to anything, no matter what they promise.

Second, do a little homework - how long has company been around? Can you get contact information from some of their clients who are using their service? Are these real people or simply shills working for company?

Third, and most important, read fine print - better yet, have your lawyer review contract.