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If it is too good to be true, it probably is. Remember that advice as you see opportunities come your way, especially if you didn't solicit the opportunity. When times get tough, the less honorable people turn to dishonest means of making cash. It is the perfect time for them to do so, since there are plenty of people urgently needing a break and desperate. The combination creates a pool of targets for greedy dishonest people to prey on.

Your email is likely getting hit now with various offers ranging from Nigerian money scams, to "let me show you how to work at home" scams. The quickest way to judge a scam is to trust your instincts and do some research. If it sounds too good, check it out first. Snopes.Com is a great place to verify the truth of internet email scams. If you can't find it there, cut a good section of the text from the email and put it in a search engine. You will likely find lots of people posting they received the same scam letter. Unfortunately, you often find where some were scammed as well.

Another test is to verify if the person "offering' you the opportunity wants money first. In general, you shouldn't have to pay to get a job, you shouldn't have to pay to be shown how to use ebay or craigslist, and you shouldn't have to give money for more money in return. Anytime you are supposed to send money, check out the story before you do it. The recipient will get your money and disappear, or worse yet get enough personal information to steal your identity and raid your accounts for all they can.

If you have checked it out yourself, and you are fairly sure it is legit, consider what you are risking before you do anything. If you are risking something you need (like a large sum of cash), consider consulting with an attorney or some other person trained to give professional advice. In tough times, the last thing you need is to give up next month's rent or mortgage payment, only to be ripped off and find yourself homeless.