Retirement is not necessarily all you thought it would be. You are supposed to sit back and enjoy your free time. However, with life expectancy being longer, medical advances being available to improve health and longevity, but costing so much, and with health issues coming with advanced age, you may find you are running low on retirement funds. Your savings may not be available for the long term to supplement your Social Security. Is there an easy answer?

A work at home business may well be the answer to your problems. You might wish you wouldn’t have to work again, but the work at home business is not as demanding as a job out of the home. You set your own hours (within limits of desired income) and you work from the comfort of your own home. You can draw on your expertise of all those years of work to help you be successful in your new work at home venture.

With the great number of businesses claiming to “be the one,” how can you make a wise decision? You want a legitimate business, not a scam. How can you tell? One way is to look at the investment. If they require a huge investment, they are probably focused on making money for themselves, and not in conducting a legitimate business. Also, make sure it is not just a pyramid scheme where you sign up someone under you, get a commission on their initial signup fee, and then see nothing else. Be sure there is a product or service you are selling, not just a down line.

A Multi Level Marketing (MLM) opportunity is just one type of work at home business. There are several types that can be profitable to you, but this is the one we will consider here.

To make good money in a MLM opportunity, which is entirely possible, you need to get in before it is overrun with hopeful distributors. You need to look at the compensation plan to make sure it is legitimate and helpful for the distributor. Most of all, you need to be sure there is an actual product or service to be offered. Check any company carefully before getting involved and you will avoid a costly mistake.

One MLM company that meets the criteria of a low number of reps (only 14,000 at present), a valid product (money, who wouldn’t want it), and a beneficial compensation plan is Numis Network. They are the only MLM company that offers graded gold and silver coins, a hot investment product at this time, with the outlook of continued value over the long term.

Other company options include cosmetic companies. Though they are well-established with many distributors, their repeat sales mean you can build a customer base that can keep you in business. They have low startup costs and offer a good compensation plan. They also offer other incentives such as cars and vacations that make them even more desirable.

Companies that sell health and nutritional products are also good choices. They may or may not be inundated with reps, but their repeat sales means you can have repeat business. Check the startup and compensation plans, as some are better than others. Do a Google search and check them out to find the best company with the best products.

True, MLM companies are not the only work at home opportunity, but they do offer a lucrative job. You need to be careful before signing up with one, give it all your energy after you sign up, and don’t get in over your head by investing more than you hope to earn back.

For retired people a work at home business may be your best answer to extra income. For more ideas about working from home, and free home income training, visit my blogat Stephen