Hi Pat Paula I have been working online since 1998 and have hundreds of stories. You don't even have to be scammed to loose lots of money. Firstly I have advise before joining program, it will help anyone avoid scams See Online business adviseI have earned over $100.000 from one singles company. I should have earned double this. The company has been taken over 3 times and is now with original owners. Each time because of software changes it has made it more difficult to earn from then. In the latest takeover there has been is a complete software change and the software is so complicated I cannot help my affiliates earn money or even earn money myself. This will take 6 months to rectify. I do think myself lucky though. I have a friend he was earning good money from another singles company, he was earning $3000 plus a month. That company got take over and dropped him as an affiliate so he now earns nothing. A similar thing has happen to me. A lotto company I still work with got taken over, I lost 85 affiliate downline.. So you not only have to avoid scams; you need to work for several good companies so when or if one get's take over you still have some income streams. It is really hard for new marketers now. In Australia there is one overloaded email gateway, so I can no longer send bulk emails even to my legitimate business members. I have to pay to get emails sent from USA. I am fortunate though as I have such a good lead generation system I don't need to send email now. See my article The Real Truth Behind Making Good Money 0nline. Follow the links.
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