Am a Freemason.
Have been for 30 odd years.
Not a secret society, "A society with secrets" - but the secrets and cribs are easily looked up.
Yes, there are handshakes; yes there's load of ritual.
Yes there are elements of costume.
You must profess a belief in a Supreme Being, who's called various names in varying parts of the ritual.
I have met agnostic, Jewish, Muslim, Sikh, Methodist and Catholic Freemasons.
No you don't have to be employed; you can ask to join.
[Hint: man in dark suit, white shirt, black tie and briefcase leaving the office at a fixed time once or twice a month might be a good candidate to ask]
Member of United Grand Lodge of England, and can visit lodges of other jurisdictions if in amity with them.
(So I would say there are no Lady Masons. Virtually every mason I have ever met has practiced ritual with their wife...)
Most lodges give loads to charity locally, and support a great many non-masonic charities www.grandcharity.org/pages/grants_to_charities.html.
Yes, you are expected to help brother masons, but without detriment to your family, your business, and the laws of the land.
Most lodges I visit tend to limit the number of professionals from any group, as it gets a tad boring.