Consumers who plan to attend free seminars should be aware that in most cases the presenters will promote products and services that are for sale. Products sold at these seminars include self improvement, investment education materials, and home based businesses. Individuals interested in home-based businesses need to consider all aspects and costs of starting and operating a business. This may include licensing, advertising, bookkeeping and other related expenses. In any business venture, area saturation can occur due to a lack of territorial restrictions. In all cases, a wide variation in earnings should be expected. Be sure to read and understand any cancellation policies or guarantees before making a purchase.