Golden rule.. Don't give them the money to run away with.
If they want a lump up front, run. Why do they want it? Are the so financially insecure. Don't take guaranteed passed schemes, how can they guarantee your not a fool? They get you in the door, and there is the incentive to not provide proper instruction. Don't go by big loud adverts in flyer and pilot, it cost a very small amount in comparison to what they can rip people of for.
Generally use common sense, keep your gaurd up, and keep the ball in your court, you can always leave it you want.
[This message has been edited by little red train (edited 17 May 2001).]