If we were looking for an opportunity to work from home, these are the 15 opportunities we’d tackle first. All are legitimate stay-at-home work jobs, and this site does not receive any compensation if you choose to work with one of them. (See also: How To Make Money Without A “Regular” Job)

• Enterprise – The well-known car rental company often hires at-home customer service representatives and reservation agents who work with Enterprise customers by telephone.
• TTEC (TeleTech) – Offers work-at-home customer service opportunities. From their site: “As a TTEC@Home associate, you’ll use TeleTech’s proprietary technology to support and assist customers with a variety of customer service and technical needs. This could include helping customers over the phone, via chat, or on social media. Best of all, you can do it all while wearing your slippers or flip flops! (To get started, you’ll need internet access and a home phone.)”

If you’ve ever been pitched on opening a new credit card at a retail store while making a purchase, you know that some stores are more than happy to give you instant credit — you apply on the spot, get approved, and you can use the card immediately. Below we offer a list of such cards, including regular bank credit cards as well. Apply online and get shopping today. (Note that instant approval is not guaranteed.)

• PayPal Cashback Mastercard – One of our very favorite credit cards on the market also lets you use your card today if you are approved instantly. Here’s the language they use to describe the process: “If you’re approved, in most cases, a temporary credit line will instantly be added to your PayPal account and you can start using it on PayPal right away – – even before you receive your card.” Beyond the instant approval, this card gives you a 2% rebate on everything you buy with it — which is the top of the market for cash-back cards with a flat rate on all purchases.
• Academy Sports + Outdoors Visa – This sporting goods store has this instant approval message on its credit card page: “If approved today, earn $15 off today, when you make a $15 in-store purchase with your new credit card.” Also offers a points rewards program.

By Adam Jusko, ProudMoney.com, adam@proudmoney.com

If you have a bad credit history, you might already know that being approved for new credit can be tough, especially if you want an unsecured credit card that doesn’t require any type of collateral such as a security deposit. In this article, I am going to walk you through the steps we suggest for people with bad credit who are in this situation.

First, A Pitch for Secured Credit Cards

OK, I know we’re talking about unsecured credit cards, but if you have bad credit, you really should consider a secured credit card to help you build your credit score. Yes, you have to put a security deposit down in order to get a secured credit card. But that security deposit is refundable, and secured credit cards often have fewer fees than the unsecured cards that poor credit history customers can generally get approved for. In addition, many secured cards are issued by major banks that you probably hope to build a relationship with, and very often these banks will “upgrade” you to an unsecured card after you’ve proven yourself through on-time payments for some period of time, usually within a year. So, check out our list of best secured credit cards and consider applying for one of those.

Below you’ll find a list of the best current mortgage rates in the United States, based on rates published on the Web sites of direct mortgage lenders, with no teaser rates from mortgage brokers. For our purposes, this means the best rates on a 30-year fixed-rate home loan. (Rates change daily; be sure to check each site to confirm the lender’s current rate.)

In compiling this list, we look at the APR, which takes into account both the interest rate of the mortgage and any points you might pay to get it. Keep in mind that points are paid up front, and each “point” that you pay is equal to 1% of the mortgage amount. Also keep in mind that rates change every day, so this is just a starter list — be sure to go to each lender’s site for their current rates.

By Adam Jusko, ProudMoney.com, adam@proudmoney.com

Capital One has expanded and improved upon its existing Savor credit card, now boasting a lineup of two different Savor cash back credit cards. What’s new, and how do these cards compare to each other and to other cards on the market? Let’s dive in and see…

Capital One SavorOne Rewards Review

The Capital One SavorOne Rewards credit card is essentially an upgraded version of the Savor card of the past. It has no annual fee and hands out cash back using the following formula:

• 3% cash back on dining and entertainment
• 2% cash back on grocery store purchases
• 1% cash back everywhere else

There are no caps on how much cash back you can earn.

The difference between this new SavorOne credit card and the previous Savor card is the addition of the 3% cash back on entertainment purchases. What qualifies as entertainment? In general, it means out-of-the-house entertainment vs. in-home entertainment. So you’ll get that 3% on things like movie theater tickets, plays, concerts, sporting events, amusement parks, zoos, dance clubs, even record stores and video rentals from a physical store. But you won’t get that 3% on cable TV, streaming services and subscriptions, so no Netflix, Spotify, Hulu, etc.

Bonus Opportunity

You’ll get a $150 bonus if you spend at least $500 with this card in the first three months of having it.

Zeros

You’ll get a 0% interest rate on new purchases with this card as well as on balances you transfer from other cards. (There is a 3% fee if you transfer a balance, however.)

Is It Good?

Overall, the Capital One SavorOne card is an obvious upgrade over the previous Savor card offering, thanks to the addition of the 3% cash back on entertainment purchases. While it still doesn’t rise to the heights of the best cash back cards that have bonus categories (the Uber Visa being our favorite), it does enter into the conversation with cards like the Blue Cash Everyday card from American Express, the Wells Fargo Propel card, the Bank of America Cash Rewards Visa, etc. The higher cash back percentage on entertainment is actually somewhat unique, allowing the Savor card to offer something different that should be noticeable to potential cardholders.