As a Work-at-Home business operator, you probably don't have time to build your own site, nor do you have a huge budget to have one built for you. In these circumstances, hand-picking a few specialists can prove to be a real cost-saver.

Again, these are just well hidden ways to get you to pay more. Say you have an auto loan with your credit union or bank or even a credit card. The bank offers to do you a huge favor by letting you skip a payment during the holidays or if you are low on cash one month. What you are really getting is 30 to 60 days of unpaid interest added to your debt, which in the long run will add more to what you owe and take you longer to pay off. Solution? Don't do it. You can come up with the money each month as you always have if you curb spending and pay your bills out of a well-defined budget. Living on borrowed money does nothing for you.

To understand the basic language of the contract you should consult with a lawyer. Contracts are not always clearly written. Never sign anything you do not understand.

Even if they say you must be a MBS, ask them if they hire others who assist the specialists. They will often say yes. If you're not certified and can get your foot in the door, this would be a good way to find out if you like the work. You may know that you'll like it already however, but it would also give you a background in billing service and an inside view of the work enough to know what you need to sign up for medical billing courses, programs, classes or schools whether online or locally on campus.

Spesialis signage specialist This is a real rip off but completely legal. If you have an automobile financed, do not skip on your insurance. The bank has every right to force on car insurance at extortion rates! The amount is added onto your car loan and you end up financing extremely expensive auto insurance plus interest from the loan. What this means is the loan you thought you had for 48 months has now gone to 58 months with a larger payment and all with interest too! The same insurance you may pay 53.00 a month for through a private broker is now 283.00 per month for less coverage! And it's legal! Never EVER lapse on car insurance while a bank holds the title.

Better still - you can use the crowdsourced network of Sparked to seek out non-profit volunteers willing capable to help your nonprofit get going. Perhaps constructing a media plan is not your strong suit. Submit an in-depth request on Sparked and expect replies from those that know something about media options.

Perhaps a little background is necessary here. Before I started my Masters Degree program and before I had a clear direction in my life I was, as so many have been before me, sucked in to a MLM group that specialized in selling legal services as a sort of pre paid insurance type of service. It's not really a bad idea, it could be rather profitable, and handy if they had ever chosen a law firm that was willing to actually fulfill the stated requirements on their pamphlets. In reality, only about 2% of the sales agents for this group ever actually make enough to pursue its sales full time. One of the 'benefits' of being a part of this 'business' is that one can actually deduct all the losses of this 'activity' and if you engage in this business, trust me, "There Will Be Losses" .