In fact, other than products you sold to a few family friends and co-workers, you really don't have a lot to show for all of your efforts, now do you?

That's why I'm so against MLM. Because it's simply not for average person. And let's be honest here, most people are average. And unless you have outstanding sales ability and/or people skills, you're simply not going to make any money with MLM.

In additon, market is so completely over-saturated, most of time, you'll find that people you're trying to sell to are other distributors, and if you're all trying to sell products to each other, that ultimately means nobody is making any money!

Well, somebody is. A handful of super salespeople way, way up there up at tippy top of your upline! If you listen closely, you can hear them all saying in unison "KA-Ching!" Want to borrow my binoculars, so that you can see them?

Dean Phillips is an Internet marketing expert, writer, publisher and entrepreneur. Questions? Comments? Dean can be reached at mailto: dean@lets-make-money.net

Make Money Online! Internet marketing expert, Dean Phillips will teach you how to make money online, starting today...Guaranteed! For details just visit my website.

Unfortunately, no indicator is foolproof; some phishers have forged security icons.

Review credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.

Use anti-virus software and keep it up to date. Some phishing e-mails contain software that can harm your computer or track your activities on Internet without your knowledge. Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files.

Anti-virus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones; that can effectively reverse damage; and that updates automatically.

I personally use Norton AntiVirus and have never had any virus problems whatsoever.

A firewall helps make you invisible on Internet and blocks all communications from unauthorized sources. It’s especially important to run a firewall if you have a broadband connection.

If you haven't already done so, I highly recommend installing Microsoft's Service Pack 2. SP2 tightens your PC's security with a new Windows Firewall, an improved Automatic Updates feature, and a pop-up ad blocker for Internet Explorer. Plus, newly minted Security Center gives you one easy-to-use interface for keeping tabs on your PC's security apps.

In addition, be extra careful about opening any attachment or downloading any files from e-mails you receive, regardless of who sent them.

Report suspicious activity to FTC. If you get spam that is phishing for information, forward it to spam@uce.gov.

If you believe you’ve been scammed, file your complaint at:

http://www.ftc.gov, and then visit FTC’s Identity Theft website at:

http://www.consumer.gov/idtheft, to learn how to minimize your risk of damage from ID theft.

Dean Phillips is an Internet marketing expert, writer, publisher and entrepreneur. Questions? Comments? Dean can be reached at mailto: dean@lets-make-money.net

Make Money Online! Internet marketing expert, Dean Phillips will teach you how to make money online, starting today...Guaranteed! For details just visit my website.

Website: http://www.lets-make-money.net