One of the worst horror stories I’ve heard about a work from home scam is all too common. A secret shopping job can be an incredibly risky endeavor. (There are legit ones, but you need to be extremely careful with your review before you “sign on the dotted line”.) Just about every “corporation” requires payment for your services, and then reimburses the money you spend at the store or business you’re assigned to. The common complaint is that they take out their fee every month, but send you on assignments all over your state, paying you just enough to cover the cost of your monthly fee, travel expenses like gas and food, and any shopping you’ll need to do.

So, how can you avoid scams when finding work at home jobs? My advice to you is to look for repeated comments or complaints about the company online. Always do a search adding the keyword “scam” or “scams”. As mentioned in another article, focus on the results on the left of the search result screen, as the right side are ads for jobs being sold.

Don’t jump to conclusions. Do the research.  If you do a scam search and there are four positive reviews and one negative, continue doing research, searching the name of the company, the word scam, and a keyword taken from the complaint. If the former employee mentions that the company refused to pay, use the keyword “payment” or “compensation”.

Look for consistent patterns in the search results. Naturally, if there is a common complaint or comment, it’s probably a typical action by the company. In other words, if there are ten complaints that the work from home job doesn’t pay on time, the company probably doesn’t consistently pay with regularity. Use your best judgment.

Also, use other search engines before finalizing a decision. Two of the best I’ve found are Alta Vista, and a lesser known engine called “Dog pile”. By using various engines to look for common comments on employers, you can see common patterns of the company’s code of ethics, and complaints from former employees. I’ve found that if there are more than three or four common comments or complaints, it’s probably best to avoid working for them.

The best way to find out if a work at home company has legitimate work is to look at the requirements. Does the company require experience or education? If the site advertises jobs with “no experience needed”, it’s a big red flag. Working a repetitive job where doing the same task over and over will be barely tolerable for just about anyone.

What is the pay, and are there any conditions for being paid? If the job pays you through PayPal, chances are it’s on the up and up. Be very wary of ANY job that requires your bank account information.

Always be careful. As mentioned above, don’t make any assumptions or jump to conclusions before doing all the necessary research. Once you do, you’ll be assured to find work at home jobs that are a perfect fit!

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While the global financial crisis seems finally over, recovery can be somewhat slow. This, however, does not mean that there are no jobs available. If one is enterprising or willing to learn a new skill, there are both old and new jobs available for those who are looking for work.

- Carpet Cleaning. Become a carpet cleaning expert as this profession is still en vogue so as long as homes and offices still have carpets. This may seem like custodial servicing and to an extent, it is true but, if you are able to introduce green carpet cleaning products wherein the cleaning agents used are environmentally friendly and don’t cause the ozone layer to deteriorate, then you may have a niche market there.

- Teaching/ Tutorial Services. This is an industry that hits an upper clientele market and could lead you to networks you may use down the road. Being a tutor to children of affluent couples may help you get ahead when the time comes. Plus, the hours are good and the pay per hour is excellent.

- Search Engine Optimizers. This is a new industry niche of the internet that has been gaining ground in the last five years. Knowledge of the Internet is a must, probably the basic requirement necessary. The hours are flexible and one can work from home.

- Professional web blogger. If you think you have a flair for writing and do not mind creating a blog, then this career is perfect for you. More visitors to your site will lead to advertisers willing to place ads on your sites. Some web bloggers, especially those with travel tips, eventually become tour guides and tour packagers of their native countries.

- Police. Becoming a police officer is a calling and not those for the faint-hearted. The country is in dire need of such brave and dedicated people who could serve and protect their respective communities. – Public Defenders. Though working in corporate law is still more profitable, the need for public defenders will always be present. More public defenders help alleviate the present back log of cases that need to be tried. In the same light, the need for assistant district attorneys is also necessary. As we need defenders to defend the rights of those accused but unable to provide for private legal help, the state needs its attorneys in protecting and defending the rights of the people, or of the county, or of the state.

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It is well known that during the nation’s gale-force recession, many older Americans who dreamed of retirement continued to work, often because their 401(k)’s had plunged in value    In fact, there are more Americans 65 and older in the job market today than at any time in history, 6.6 million, compared with 4.1 million in 2001.

Less well known, though, is that nearly half a million workers 65 and older want to work but cannot find a job — more than five times the level early this decade and this group’s highest unemployment level since the Great Depression.

The situation is made more dire because of numerous recent trends: many people over 65 have lost their jobs as seniority protections have weakened, and like most other Americans, a higher percentage of them took on debt than in previous generations.

The expectation once was to pay off your 30-year mortgage before you retired, or come close. Instead, the level of indebtedness among older Americans has risen faster than in any other age group, partly because so many obtained second mortgages to take money out of their homes.

This financial squeeze is one reason President Obama has proposed giving a special $250 one-time payment to all Social Security recipients.

Many out-of-work older Americans complain that they face foreclosure or have had to give up their car.

“It’s a big deal for a lot of these people not to find a job,” said David Certner, legislative policy director for AARP. “That so many of them are still trying to find work shows how bad the economic situation is. A lot of people normally give up at that age.”

The unemployment rate for older Americans is still much better than for others — 6.7 percent compared with 9.8 percent in the general population. But 6.7 percent is more than double the level of two years ago — and far higher than the minuscule 1.9 percent rate early this decade.

And unemployed older workers stay out of work longer — 36.5 weeks on average, 40 percent longer than for the unemployed in general.

Patricia Warmhold, who has worked as a translator and telemarketer, would love to retire, but at age 67, she says that is out of the question.

Her mortgage payment is nearly $1,500 a month, and her car payments and auto insurance are another $350. She receives $1,071 a month in Social Security and $918 in pension.

“I have very little after the mortgage,” she said.

Ms. Warmhold, who speaks German, French and Creole, was laid off a year ago from her job as an interpreter for a law firm. “I’ve been looking for jobs ever since,” she said. “I applied to Nassau County and Suffolk County, and they don’t call back.”

A divorce worsened her financial situation, although her mother, who is in her 90s, helps by sometimes sending her $100.

“In a month’s time, I sent out 101 job applications,” she said, including more than 50 to school districts, to no avail.

The recession has battered young, middle-aged and old, although several modern trends have left older workers more vulnerable than in the past — for instance, the shift toward 401(k)’s and away from traditional pensions that give retirees a monthly stipend for life has pressured many Americans to continue working well past 60.

Another force pushing Americans to delay retirement is that the percentage of companies that provide health coverage to retirees is half what it was two decades ago. Moreover, the age to obtain full Social Security benefits has increased to at least 66 for people born after 1942, from its traditional 65.

The median income for those 65 and over was just $18,208 in 2008 — a quarter of them had incomes under $11,139, according to Patrick Purcell, an expert on older workers and pensions with the Congressional Research Service.

The average Social Security recipient age 65 and over receives just $12,437 in annual benefits, he said, and among individuals 65 and older who received income from financial assets, half received less than $1,542 last year.

While Social Security keeps most seniors above the poverty line, there are a substantial number near poverty “who are just getting by,” said Richard W. Johnson, a senior fellow at the Urban Institute. Many economists say it is good that Americans are working later in life — many are living longer and able to contribute longer.

Still, many older job seekers insist they are losing out because of age discrimination. Last year, nearly 25,000 workers filed age discrimination complaints, a 29 percent jump over 2007, according to the Equal Employment Opportunity Commission.

“I often get told that I’m overqualified,” said Barbara Brooks, 71, who retired in 2003 after 30 years as an administrative assistant at the University of California, Los Angeles. She said being told that is code language for “you’re too old.” But Ms. Brooks said she wanted to work — and needed to — citing her monthly mortgage of $1,500, which eats up half her monthly pension.

“I would like to be able to treat myself to a couple of dinners, maybe a movie,” Ms. Brooks said. “I think as long as people have excellent skills, and they can get around like a 40-year-old — I’ve been told I look 40 or 50 — why shouldn’t I work?”

For years, unemployment among older Americans was largely ignored because so few of them were jobless. But now more than a million Americans over age 60 are unemployed, two-and-a-half times the level two years ago.

And at least jobless workers 65 and over are guaranteed health coverage through Medicare. Workers laid off before that age often have to fend for themselves to obtain health insurance, which is often prohibitively expensive for those over 60.

One such worker is Michael Husar, 62, a former engineering manager who spent 38 years with General Motors and then its Delphi auto parts spinoff. Mr. Husar, a resident of Scottsdale, Ariz., retired in 2003 at age 56, but as a result of Delphi’s bankruptcy, he now has to purchase his own health insurance. He pays $1,600 a month, which translates to $19,200 a year.

Despite two engineering degrees, his search for consulting work has come up empty in recent months.

“There are two reasons I feel a need to continue working,” he said. “One, I still have a lot to offer, and two, I need the money.”

Alicia H. Munnell, director of the Center for Retirement Research at Boston College, says older workers have fared better by and large than younger workers in this recession. The percentage of workers ages 25 to 54 with jobs has fallen to 75 percent, from nearly 80 percent two years ago, while the percentage of older Americans with jobs has risen slightly, to 16.3 percent.

But that is fewer than the number who want to work.

Patricia Piazza, 66, who worked for Chrysler for 30 years as an analyst, knows that all too well.

She and her 72-year-old husband, a longtime employee at General Motors Acceptance Corporation, had planned to retire by now, but she is hunting for job, and he recently landed one with the local transit system.

Their home in Warren, Mich., has dropped $100,000 in value, Ms. Piazza said, while their pensions, as former nonunion employees, will be far less than anticipated because of the auto company bankruptcies.

Chrysler recently took away her life insurance policy and optical coverage, she said.

“It’s like the bottom fell out of everything” she said. “This isn’t the way we planned retirement.”

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When you are looking for work from home, you have several different options. It used to be that the only way to work from home was to work it out with your boss so that your work could be done at home and you would not have to always be in the office. This is still certainly the case.

Many employers are making it easier for their employees to work at home and only come in to the office every once in a while. This is a great benefit to many people who have been working for a long time on certain projects or who have been working for a long time at a certain career and want to continue doing what they do well and what they love, but want to, at the same time, be able to do it from home. However, now you do not even have to worry about finding an employer who will eventually let you do your work from home.

There are many ways that you can actually start a business, a career, or even part time work, straight from your home computer and you can go about getting a job online just the same way you would get a regular job. All of these jobs that you can find are going to provide you with money and a full time job, but the trick is knowing where to look for them.

There are truly many places online that offer work from home jobs. However, some of these places should be avoided because of obvious reasons. A good rule of thumb is that you should never have to pay in any way in order to find jobs. If you do decide to subscribe to a service it should be one that only requires a small start up fee or a once a year fee.

Do not pay by the month or pay a lot of money for access to jobs boards, because there are plenty of job boards that you can find which you do not have to pay for. Once you have weeded out the jobs that require payment just to apply, you still have several options. No matter what your field of expertise is, there is going to be something that you can do from home regarding it.

You should be able to find a work from home job in any area. Start by doing an online search for your job, and then get looking. You might have to look at several sites before you find some with a good lead.

Remember that you need to market yourself exclusively by email and online sources, so your portfolio online should be very good. So you want to work from home. Now that you have made that decision, you might think that it is all smooth sailing and that there is nothing you are going to have to worry about as you make your way into the work at home job market.

Not true! Working from home might be great once you get going, but in order to get to the point where it is going to be worth it, you are going to have to do some grunt work and do a lot of it, before it pays off. Do not expect to be able to simply start in at a large paying work from home job on the first day. It might take you awhile to fully get a grasp on what the job market is and to begin to make some connections when it comes to your field.

The most important thing that you can do is to make sure that you have a good example of what you can do and that you have it accessible online. Whether this means that you are going to develop a website or an online portfolio, you need to get that done right away so you can start to apply for jobs or to find customers. So, the most important thing about finding work at home is to make sure that you have a place where potential clients can look at what you can do and can hire you if they would like.

After you know what you want to do and have taken steps to begin that process, you need to start to apply for jobs. This might mean that you visit many different job boards each day and apply for as many of the jobs that you think you can do as possible.

Or, it might mean that you visit job boards and other boards and recruit clients for your business. Whatever it is that you need to do, the important thing is to get your name out there and to get started.

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CAN I LOOK FOR WORK WHILE I AM ON A TOURIST VISA?

When you apply for a tourist visa, you are expected to enter the U.S. for tourism only. If you enter the country to look for a job, tourism is clearly not your primary purpose for coming to the U.S. If, however, you enter the U.S. as a tourist and then receive an unexpected job offer, you may be able to explain to an immigration officer that your intent in coming to the U.S. was tourism, but now that you have been offered a job you would like to change your visa status to allow you to work. If this is the case, it may also be helpful to ask your employer for a statement explaining that you did not petition him or her for the job.

If you find a job while you are on a tourist visa, it is possible that you may be able to change your visa status after your initial entry as a tourist. You will have to leave the U.S. to do this. The immigration officer, however, has a right to question you about the reason you came initially on a tourist visa. If he or she feels that you did in fact enter the country with the intention of being a tourist he or she will likely approve your new visa. If however, the officer feels that you did not obtain your tourist visa in good faith and that you came with the intention of finding a job, they may deny your visa.

If you are from a country involved in the Visa Waiver Program you are only allowed to stay in the U.S. for 90 days. Time spent in Canada or Mexico counts towards this 90 day limit. Therefore, you will not be able to enter either one of these countries to change your visa status or to return to the U.S. for another 90 days. You will be required to leave the continent and re-enter the U.S. with a new visa. To find out whether your home country is involved in the Visa Waiver Program, visit http://travel.state.gov/visa/temp/without/without_1990.html.

If you wish to travel and work in the U.S. either of the following two options will help you avoid the potential problems outlined above:

1. Enter the U.S. on a tourist visa for the purpose of travel and tourism. If you should happen to find a job while you are in the country, leave and make the necessary visa arrangements and then return to the country on a work visa; or

2. Enter on a work visa and then travel when your employer grants you vacation time.

If you are interested in traveling or working (or both) in the U.S. you may want to consult a qualified immigration lawyer to discuss your visa options. A lawyer can guide you through the visa application process quickly and easily. Contact United States Immigration Support website at www.USAimmigrationSupport.com.

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