Opportunities described in this article are what I call money making niches. You will need very little initial investment to start these businesses. Also you can run most of them from home.

1. Billing resolution consultant

Some billing mistakes such as unauthorized charges, bills for services already paid for and wrong fees take a long time to resolve. Anyone who had to dispute bills from credit card, phone, mortgage or phone company knows that some issues aren't resolved easily. Customers have to make many phone calls, write letters and sometimes even file complaints in order to correct mistakes.

Some customers are simply overwhelmed by the process, That's where you come in. If you resolved your billing problems successfully in the past, you can help others and make money. Depending on the situation, you can either charge percentage or flat fee.

2. Auction assistant

Many of us find the auction process somewhat challenging. It's easy to understand general idea – a person with highest bid wins. However there is more to it than just outbidding other customers. What items are worth bidding for? How much should you bid? Can you understand auction announcers? Some of them speak very fast and it takes time to get used to it.

If you are familiar with auctions and know how to get best items at great prices, you can become an auction consultant. You can specialize in certain auctions such as car, antique or liquidation or become general auction specialist.

3. Job search service

There are many recruiters and placement agencies out there, but very few companies offer personalized and comprehensive job search services for their clients. By saying comprehensive I mean that your service must help job seekers to write resumes or improve their current ones, conduct on line and off line job search and contact prospective employers on your clients behalf. It would also help if you are familiar with your area's employers – not just leading large companies, but small businesses from different industries as well.