Some of you are probably thinking about starting your own home-based business so you can earn an income while staying at home with your family.

Honestly, there are many wonderful and legitimate opportunities out there and lots of stories associated with home-based business successes, but there are also many online and offline scams out there, as well.

Here are some typical online and offline scams that you may go through and will want to avoid.

Medical billing- Ads for pre-packaged businesses - known as billing centers - are in newspapers, on television and on the Internet. If you respond, you'll get a sales pitch that may sound something like this: "There's 'a crisis' in the health care system, due partly to the overwhelming task of processing paper claims. The solution is electronic claim processing. Because only a small percentage of claims are transmitted electronically, the market for billing centers is wide open."

The promoter also may tell you that many doctors who process claims electronically want to "outsource" or contract out their billing services to save money. Promoters will promise that you can earn a substantial income working full or part time, providing services like billing, accounts receivable, electronic insurance claim processing and practice management to doctors and dentists.

They also may assure you that no experience is required, that they will provide clients eager to buy your services or that their qualified salespeople will find clients for you. The reality: you will have to sell. These promoters rarely provide experienced sales staff or contacts within the medical community.

The promoter will follow up by sending you materials that typically include a brochure, application, sample diskettes, a contract (licensing agreement), disclosure document, and in some cases, testimonial letters, videocassettes and reference lists. For your investment of $1,000 to $10,000, a promoter will promise software, training and technical support. The company will encourage you to call its references.

If only one or two names are given, they may be "shills" - people hired to give favorable testimonials. It's best to interview people in person, preferably where the business operates, to reduce your risk of being misled by shills and also to get a better sense of how the business works.

Envelope stuffing- Promoters usually advertise that, for a "small" fee, they will tell you how you can earn money at home by simply stuffing envelopes. Later - when it's too late - you find out that the promoter never had any employment to offer. Instead, for your fee, you're likely to get a letter telling you to place the same "envelope-stuffing" ad in newspapers or magazines, or to send the ad to friends and relatives. The only way you'll earn money is if people respond to your work-at-home ad.

Assembly or craft work- These programs often require you to invest hundreds of dollars in equipment or supplies. Or they require you to spend many hours producing goods for a company that has promised to buy them.