Work from Home? These 5 Credit Cards Can Help


[Disclosure: Cards from our partners are reviewed below.]

Working from home conveys many benefits (most notably the absence of a commute), but distractions may abound. A home office can provide an interruption-free workspace within your residence.

Unfortunately, the cost of setting up a home office can be prohibitive. Some credit cards can assist by providing rewards or helping you avoid interest on your purchases.

Here are five credit cards that can help you set up your home office.

1. Discover it – Cashback Match 

Rewards: 5% cash back on up to $1,500 in quarterly purchases for specific bonus categories; 1% cash back on other purchases.
Sign-Up Bonus: Discover matches all cash back earned in the first year.
Annual Fee: $0
Annual Percentage Rate (APR): 0% APR for 14 months on purchases and balance transfers, then variable 11.99% to 23.99% APR.
Why We Picked It: If you buy office supplies from the right merchants, you can earn 5% cash back through the end of the year.  
For Your Home Office: Through December 2017, all Target and purchases earn 5% cash back. That’s a great cash back rate on everything from office supplies to electronics.
Each bonus category for this card is only good until the end of the quarter.

2. SimplyCash Plus Business Credit Card from American Express

Rewards: 5% cash back at US office supply stores and on wireless telephone services purchased from US service providers; 3% cash back on a category of your choice; 1% cash back on other purchases.
Sign-Up Bonus: $200 bonus cash if you spend $5,000 in the first six months, with an additional $200 if you spend $10,000 in the first year.
Annual Fee:
0% APR for nine months on purchases, then variable 13.24% to 20.24% APR.
Why We Picked It:
This business card is suitable for up-front and ongoing business expenses.
For Your Home Office:
You’ll earn 5% cash back at office supply stores and qualifying wireless telephone services, which will help stock your home office and keep the phones on. Plus, you can earn 3% cash back on a category of your choice from a list of eight; options include airfare, hotel rooms, gas, computer-related purchases, and more.
Drawbacks: This card is intended for corporate use and might be overkill for businesses with a low overhead. 

3. Amazon Prime Rewards Visa Signature Card

Rewards: 5% back at; 2% back at gas stations, restaurants, and drugstores; 1% back on other purchases.
Sign-Up Bonus:
$70 gift card upon approval.
Annual Fee:
Variable 15.24% to 23.24% APR.
Why We Picked It:
Any office goods purchased at can earn up to 5% back.
For Your Home Office: If you get your office supplies at, you’ll earn 5% back with a Prime membership. Rewards are redeemable for future purchases, which can help you restock on printer cartridges and Post-it notes.
Drawbacks: If you don’t shop at, this card isn’t a good fit.

4. Costco Anywhere Visa Card by Citi

Rewards: 4% cash back on up to $7,000 in eligible gas purchases per year; 3% cash back at restaurants and on eligible travel; 2% cash back at Costco and; 1% cash back on other purchases.
Sign-Up Bonus: None
Annual Fee: $0 with a paid Costco membership.
APR: 0% APR for seven months on purchases, then variable 16.24% APR; variable 16.24% APR on balance transfers.
Why We Picked It: Costco members can save on office supplies with this card.
For Your Home Office:
You’ll earn 2% cash back on Costco and purchases, including their wide variety of office products and equipment.
Drawbacks: You must have a Costco membership to get this card.

5. Chase Ink Business Cash

Rewards: 5% cash back on the first $25,000 spent on office supplies and internet, cable, and phone services per year; 2% cash back on the first $25,000 spent at gas stations and restaurants per year; 1% cash back on other purchases.
Sign-Up Bonus: $300 bonus cash if you spend $3,000 in the first three months.
Annual Fee: $0
0% APR for 12 months on purchases and balance transfers, then variable 14.24% to 20.24% APR.
Why We Picked It: If you spend a lot to keep your business running, this card is worth a look.
For Your Home Office: Each year, the first $25,000 in office supply purchases and internet, cable, and phone service expenses earn 5% cash back, making it easier to stay connected and stocked up on supplies.
Drawbacks: This card is most helpful if you’re running a sizeable business with significant ongoing expenses. Otherwise it may not be a good fit.

How to Choose a Card for Your Home Office

The best card for your home office depends on your workspace needs. If you have to invest in furniture, electronics, and other pricey up-front expenses, you may want to look for a card with a 0% intro APR offer. If you’re more concerned with ongoing office supply costs, a card that provides cash back rewards at your favorite office retailer might be suitable.

Whether you need a personal or business credit card depends on your job. If you’re telecommuting for an employer or your business has a low overhead, a personal credit card should be able to handle your spending needs. But if you’re managing a sizeable business that needs quick access to supplies and services, the higher credit limits and additional employee cards available with business credit cards might help you out more.

Either way, business owners should maintain separate credit cards for personal and business use. This will make it easier to keep track of your business expenses for accounting and tax purposes.

What Credit Is Required Your Home Office Card?  

Top business and personal credit cards will require good to excellent credit. Before you apply for a card, verify that your credit is sufficient for approval. Otherwise, the resulting hard inquiry could ding your credit score and your application would be rejected. You can check your credit report free at

 At publishing time, (name of card), (name of card), and (name of card) are offered through product pages, and is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of alone, and have not been reviewed, approved, or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees, and terms for credit cards, loans, and other financial products frequently change. As a result, rates, fees, and terms for credit cards, loans, and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees, and terms with credit card issuers, banks, or other financial institutions directly.

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4 Things to Tell Your Boss If You Want to Work From Home

These days, more and more employees are working from home on a regular basis. In fact, Global Workplace Analytics says that about 2.8% of the total workforce work from home at least half time. Nearly all U.S. workers say they’d like to work from home at least part-time, and about half the workforce say they could  work remotely at least some of the time.

But what if you’re not one the lucky ones who stumbles into a job that already allows working from home, whether sometimes or on a regular basis? In this case, you might need to convince your boss that working from home is a good idea.

And, in fact, working from home is a good idea, much of the time. It can actually save you money, and it can reduce your overall stress level. And if you’re like many people, you might actually get more done in less time when you’re working from home.

But those arguments, especially the ones that are mostly beneficial to your personal life, may not be enough to convince your boss to let you work from home. Here are four more convincing arguments to try:

1. Better Productivity

Working from home isn’t a good fit for all jobs, but for some types, studies show that working from home actually increases productivity.

2. Reduced Overhead Costs

Outfitting an employee with an office or even cubicle comes with overhead costs. Not to mention all that water you flush down the toilet on bathroom breaks! In fact, many large employers started moving employees to work from home positions specifically to reduce overhead costs. (Of course, you’ll be taking on some of those costs by working from home — increased electricity and water usage can eat into your savings on commuting. You can try some of these easy penny pinching tips to help offset those costs.

3. Fewer Sick Days

Having the ability to work from home often curbs the number of sick days you take. You might not drag yourself into the office when you’re feeling under the weather, but you may opt to work as normal from your comfortable couch. Your fellow employees will appreciate fewer germs, anyway.

4. At-Home Workers Are Happier (and Stay Longer)

If working from home is really important to you, and if you’re in a field where it’s common, you may be more likely to stay in your job for the long term if you are allowed some flexibility to work from home. You don’t necessarily need to tell your boss this, but you can show that employees who work from home are happier in their jobs.

Making Your Proposal & Pulling It Off

Now that you’ve got some arguments in your back pocket, how do you go about actually asking your boss to let you work from home? Here are a few steps to take:

1. Create a Formal Proposal

Don’t just approach working from home by the seat of your pants, especially if it’s not already a common practice in your workplace. Instead, create a formal proposal for what working from home would look like for you.

What tasks would you accomplish at home? How would you handle meetings and phone calls? Would you be available during certain hours online? How would you keep track of the tasks that you’re working on at home? What sort of accountability system could you build in?

Put all this into writing. When in doubt, talk to someone else with a job similar to yours who works from home. See what kind of arrangements they have with their employers, and go from there. If others in your organization work from home, talk to them about their written work plans, too.

2. Pre-empt Your Boss’s Concerns

When you’re creating your proposal, try to think about it from your boss’s perspective. What concerns will he or she likely  have? You know this person best as a supervisor, so you can likely anticipate how the conversation will go.

Again, talk to others in your organization who work from home sometimes or regularly, and use that as a jumping off point. You’ll want to work those points into your written proposal, preferably, or at least address them in your conversation with your boss.

3. Propose a Trial Run

Don’t just jump in and ask to switch your in-office job to a full-time, work-from-home position. Instead, propose a trial. You may want to propose a part-time work from home schedule of one to three days per week at first. And you should also suggest trying to work from home for a period of thirty to ninety days before you and your boss formally evaluate the situation.

Starting with a trial period can help make working from home more palatable. Plus, if you’ve never worked from home before, you may find that a blended schedule of in-office and at-home actually suits you better than working from home full-time.

4. Be Flexible

Go into the conversation with your boss with goals and a proposal, but be willing to take his or her feedback into account, too. Be flexible in what you’re asking for, and be prepared to give up ground if that’s what you need to get your foot in the door. Maybe your three days a week goes to two, or your ninety day trial goes to thirty. It’s still a start!

5. What Else Can You Give Up?

Oftentimes, people who really want to work from home are willing to take a pay cut to do so, or at least forgo a big raise. This means that evaluation time can be a good time to ask for work-from-home privileges. If you get a great review and are offered a raise, consider counter-offering a smaller raise with the ability to work remotely part-time.

Maybe you’re not willing to give up a raise, but you have other privileges you could lay on the table in order to work from home. Or maybe you feel you’ll be so much more productive at home that you can tackle additional responsibilities. Either way, you could give a little to get a little in this conversation.

6. Prove You Can Do It

Finally, when you do get to work from home, don’t take advantage of the situation. Put 100% into your work each day, and set up your lifestyle so that you’re more productive than ever. Keep track of your goals, metrics, and to-do lists, so that if there’s ever a question of whether or not you can work from home well, you’ve got data to back up your answer.

[Editor’s note: It’s also a good idea to keep track of your financial goals. One way to do that is to check your credit scores.’s credit report summary offers two free credit scores, updated every 14 days, plus tools that help you establish a plan for how to improve your scores.]

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Why I Became a Work-From-Home Mom (& What to Consider if You Aim to Do the Same)


In August I celebrated my one-year anniversary of being a work-at-home mother. I was a career businesswoman before I graduated college. And I’ve spent the last 10 years working in the financial field, with all of its rigors and stresses. By the time I became pregnant with our third child, the bough was breaking. I realized there was no way I could manage two school-aged kids and a newborn, and work full-time in a crazy stressful financial career.

When I was five months pregnant, I left the corporate circus and focused on home. And frankly, I never looked back! Such a radical move promotes cries of “you’re crazy” or “she’s trying to be one of those New Age, stay-at-home, home-schooling mamas!”

Well, yes and no. Leaving the full-time workforce was certainly an ambitious endeavor, but I chose to prioritize how I spent my time devoting it to what best served my legacy. I placed myself and my family in the top position on my list of priorities. And in doing so, I transformed the trajectory of our lives from the mundane to something more special. Of course, a lot went into making that decision. Here’s what I considered before, during and after the switch.

The Costs of Working From Home

First, it all came down to finances. How does a five-person family go from living on two full-time incomes to surviving on one? We made frugal changes, and found ways to supplement our income with me working from home. If you can comfortably afford to be a stay-at-home mom, then, by all means, that is the choice I would highly recommend.

Just keep in mind that the role of a stay-at-home means being at work 24/7. There is no off time, no shift end, no vacation and no sick time. When you are that present and available to the needs of your household, the role of mothering (or fathering) takes on a level of high demand like never before. And what really goes without saying is … it is hard! It’s so hard that I would ward any parent away from adding the work-from-home facet to their life unless they feel they can make it work.

Another Major Decision

While working from home was the right decision, when it came to homeschooling my children, I had to give an emphatic “no.” Don’t get me wrong, this is a noble endeavor. But like becoming a teacher, it is a role one should never enter into lightly. Even though for many children their earliest lessons are learned from their parents, being a good caretaker does not equate to being a good teacher. A good teacher is marked by long-suffering patience, the likes of which I am lacking.

The Hidden Costs of Free Public School

Still, if you’re wrestling with the decision, there are some pros to homeschooling that you may want to consider. Deciding to keep your kids in public school also comes with its own set of costs, and not all of them are physical out-of-pocket ones. Here’s a list of some loosely estimated public school costs, garnered from my personal experience.

  • In New York state, 62% of your property taxes goes toward school purposes. New York property taxes range by location from an estimated $3,000 to $20,000 and up. (In other words, you’re paying for local public schools whether you send your child there or not.)
  • Daily school meal programs:
    • Lunch – $2.50+ per day = $450 in a 180-day school year
    • Breakfast — $2.00+ per day = $360 in a 180-day school year
  • School supplies (an estimated $100)
  • Parent Teacher Association Membership and class party funds (an estimated $35)
  • Back-to-school clothes (an estimated $200)
  • Clubs and after-school programs (an estimated $175 and up)
  • Various extras throughout the year (an estimated $200)
  • Time lost with your children. The time spent at school is almost as long as the time spent each day at a full-time job, which is the majority of our days (priceless)

Homeschooling can eliminate or significantly decrease many of those listed expenses (aside from the property taxes, of course). You’ll also get to structure your lesson plans. If your student (i.e., child) is slow at any subject, you can go at their pace to make sure they understand the lesson.

All of these points sell me on homeschooling, and I have considered it in the past and even as recently as last month. But again, I arrived at the conclusion that it’s not the best course for our family at this time (maybe I’ll do it in the future). I love being at home and available to help supplement (or even correct) the lessons my children are learning at school. This work-from-home schedule allows me to do that, along with forego childcare costs and not miss important milestones.

The point is, at the end of the day, it is up to you. There are plenty of options for your child’s education. Do your due diligence when researching and choose the option that works best for your family.

(Editor’s Note: Staying on top of your credit can help you work toward your financial goals and stay out of debt. You can view two of your credit scores, updated every two weeks, for free on

This story is an Op/Ed contribution to and does not necessarily represent the views of the company or its partners.

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The Best Cities for Working From Home


With the gig economy and virtual workplace technologies on the rise, it’s becoming more popular not to schlep into an office. Heck, employers can save on office space and workers can regain valuable commuting time. In fact, 37% of Americans telecommuted in 2015, up from 9% in 1995, according to a recent Gallup Poll.

If you have a job that allows you to telecommute, some cities may be better than others for your needs, according to an article published by, the website of the National Association of Realtors.

“We wanted to do a piece on places freelancers would actually want to live,” Clare Trapasso, senior news editor for, said.

The data compared the median costs for one-bedroom rentals in metropolitan areas, state and local taxes, individual health care plans, high-bandwidth internet connections, walkability, number of coffee shops with free Wi-Fi, number of gyms per capita and the number of bars open at 3 p.m. (The press release suggested asking freelancers about the importance of that one). Rent and sale prices carried the highest weight, Trapasso said.

The Ideal Cities for the Work-From-Home Life

1. Las Vegas
2. Salt Lake City
3. St. Louis
4. Pittsburgh
5. Atlanta
6. Orlando, Fla.
7. Knoxville, Tenn.
8. Cincinnati
9. Minneapolis
10. New Orleans

Why Las Vegas Stands Out

There are many reasons that Las Vegas is great, but it tops this list because Nevada has no state income tax, housing prices are reasonable, with a one-bedroom median rental priced at $827 and a median house price of $241,500, about $66,000 below the median price of new and constructed homes, Trapasso said. It also offers plenty for freelancers and other telecommuters to do during off-hours, including having the highest number of bars open in the afternoon. Another plus: “Vegas has almost as many coffee shops with free Wi-Fi as Seattle,” according to the number crunchers at

Some of these cities, like St. Louis, Cincinnati and Minneapolis, are also seeing a surge of co-working places in which people can rent desks to work in a shared office environment, Trapasso said.

If you’re considering a move, it’s a good idea to take a look at your credit scores to see what you can do to get them into top shape. The reason: A great credit score may be able to get you a better deal on a mortgage, because it contains a record of how well you’ve been paying your bills on time. And the lower your mortgage, the more money you’ll save over time. (You can view two of your free credit scores, updated monthly, on

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The 25 Best Employers If You Want to Work From Home


Looking for a more work-at-home friendly job? You’re not alone. But while telecommuting has long been promised as a cure to many ills — poor work-life balance, expensive child care and congested roadways, to name a few — U.S. firms have remained stubbornly lukewarm to the idea.

Yahoo famously banned teleworking in 2013, and the firm was hardly alone. A Gallup poll found last year that while four times more workers telecommute today than in 1995, growth has slowed to a trickle.

The average worker told Gallup they telecommute only two days per month, and only 9% work from home more than an office. Not surprisingly, few blue-collar workers or those without college degrees have ever worked from home.

“Telecommuting remains much more the exception than the rule,” Gallup said.

There are some small signs of change, however. Until recently, “working from home” meant putting in extra hours on nights and weekends. But Gallup’s poll found that working from home during business hours is starting to replace working at the office. “This represents a significant shift in the nature of telecommuting, from its use as a supplement to the normal workday to its use as a replacement for being in the office,” Gallup said.

Still, this slow conversion to flexible workplaces flies in the face of worker preferences, says FlexJobs, a site with job listings for professionals eyeing remote-friendly jobs. According to them, 80% to 90% of the workforce would like to telework at least part-time.

“Job seekers consistently report that telecommuting is the most desired form of flexible work, with many willing to take a pay cut, forfeit vacation time or give up matching retirement savings plans for a telecommuting work arrangement,” Sara Sutton Fell, the founder and CEO of FlexJobs, said in a press release. “In fact, millennials, who now comprise the largest generation in the workforce, placed flexible working ahead of other priorities such as professional development training, reputation of the companies’ leaders and a sense of purpose when evaluating a job prospect.”

Here are the top industries for remote-friendly jobs, according to FlexJobs.

  1. Medical & Health
  2. Customer Service
  3. Administrative
  4. Computer & IT
  5. Sales
  6. Education & Training

And here are the employers who appeared most often in FlexJob’s listings between March 1 and May 31.

  1. UnitedHealth Group
  2. Aetna
  3. Dell
  4. K12
  5. Kaplan
  6. Humana
  7. Xerox
  8. Salesforce
  9. Connections Education
  10. SAP
  12. Houghton Mifflin Harcourt
  13. Haynes & Company
  14. Anthem, Inc.
  15. University of Maryland University College
  16. Worldpay
  17. Western Governor’s University
  18. Thermo Fisher Scientific
  19. Covance
  20. Achieve Test Prep
  21. Wells Fargo
  22. Nielsen
  23. VMWare
  24. LanguageLine Solutions
  25. Red Hat

Job listings from these firms include anything from full-time, work-at-home positions to occasional telework. (Note: This list doesn’t include firms which offer telework positions not listed on FlexJobs.)

Fell argues that companies who don’t advertise remote-friendly jobs are probably missing out on good workers. “Companies can attract and retain the best young talent by offering flexible work opportunities, and it benefits them as well, with studies showing teleworkers are more productive and less likely to take time off work than their office counterparts,” Fell said.

Remember, some employers check a version of your credit report as part of their application process, so if you plan on hunting for jobs in the near future, you may want to see where you stand. You can pull your credit reports for free each year at and view your free credit report summary each month on

More Money-Saving Reads:

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How to Spot 5 Popular Work-From-Home Scams

Pretty Young Multiethnic Woman Holding Phone and Credit Card Using Laptop.

We’ve all seen deceptive work-from-home job ads before. They promise work that pays thousands of dollars each week with no experience necessary.

Of course, it sounds too good to be true. But more money and the freedom to work from home is something we all want, so you may be inclined to give one of them a shot. Before you do, know that there are a few dead giveaways that a work-from-home opportunity is really just a scam.

How to Spot and Avoid Work-From-Home Scams

The phrase, “You have to spend money to make money,” is one that scam artists use to get over on you. If you have to dish out a few hundred dollars for membership, certifications, training or equipment to work for a company, you need to make sure you’re spending money on something valuable.

Don’t invest until you’ve taken a look at company reviews from reputable sources like the Better Business Bureau. You can’t trust any old website for an honest review. Sometimes website owners are affiliates who get a cut of the profit if their review gets you to buy into a scam. Unbiased forums are a better source of reliable feedback.

There’s also no such thing as easy work. Be wary of jobs that sell a lifestyle where you earn a good deal of money from hardly any effort. When a company sells an image and nothing tangible, you have to wonder where the revenue comes from to run the business. If it looks shady, trust your gut.

Finally, any recruiter that contacts you asking for information to get you started in a program, like your Social Security number or address, should sound fishy to you. There’s nothing stopping them from taking your information and then stealing your identity.

Top 5 Work-From-Home Scams

Now, let’s talk about some of the top work-from-home scams you should avoid.

1. Pyramid Schemes

Often pyramid schemes look like real opportunities for entrepreneurs. A pyramid scheme recruits sellers of a product that has no value. It charges some sort of entrance fee for membership, training or inventory. The fee is then redistributed as income for participants at the top of the pyramid.

A minuscule group of people actually makes money. The top earners use groupthink and sketchy sales tactics to convince lower level sellers they can make tons of money recruiting other people. In reality, pyramid schemes are illegal and very few people make money.

A close cousin to the pyramid scheme is multi-level marketing or MLM, which is legal. The difference between the two is with MLM distributors earn commission from selling a real product (example, diet supplements or make-up).

Distributors also earn commission on the sales of those people they recruit. MLM gigs aren’t an outright scam, but you shouldn’t expect one to replace your full-time income. There’s also a chance you won’t make your money back if you have to buy the inventory you are going to sell.

2. Mystery Shopping or Survey-Taking

Now, there are mystery shopping and survey-taking opportunities that are legit. But like with all good things, a few people find an angle to scam people out of money. You shouldn’t have to pay for access to mystery shopping or survey gigs. You can find them online for free. If a membership site guarantees you a full-time income from either hustle, you should probably question its validity.

3. Online Business

Online business is the hot industry right now. Successful online business owners can earn over 4 or 5 figures per month with affiliate marketing and other various products. Who doesn’t want a piece of that action?

Some products sold to help you launch an online business are worth your time, others not so much. Systems that promise quick results are unrealistic, especially if you don’t know how you’ll be making money until you buy into the scheme.

There’s no way to make fast money online – or anywhere for that matter. Even if someone’s method of earning online is viable, they’ve probably been working at it for a while. Before you pay for something, seek unbiased reviews.

4. Data Entry or Medical Billing

Work-from-home data entry scam sites guarantee to get you hired and paid well by legitimate companies. You have to pay to become a member of the site. In return, you’ll get access to training, support and exclusive job listings. All you need is a computer and wireless connection – no experience.

Think about this from the perspective of a company that’s hiring a remote worker. Would you partner with a website that has a pool of workers with no experience? And if so, how much would you intend to pay these employees? Probably peanuts.

Instead of creating partnerships with companies, some sites just post gigs and other resources you could find online yourself if you did a bit of digging.

Another popular work-from-home scam is medical billing. A company asks you to investment in equipment, training and industry connections to launch your own billing business. But again, it’s difficult to earn your money back.

5. Envelope Stuffing and Craft Assembly

The envelope scam is one that’s been around for a while. Ads claim to pay you hundreds of dollars per day to stuff envelopes from home. To sign up for the gig, you have to put in your personal information. If this were actually real, the envelope-stuffing budget of a company would be astronomical. These scammers have an ulterior motive for signing you up.

A similar scam is where a company sends craft parts to you and pays for assembly. Again, there are more efficient ways for a company to assemble products than shipping parts off to remote workers. Don’t fall for it.

Are There Legitimate Work-From-Home Jobs?

After discussing all the scams, you’re probably wondering if there’s any real way to make money from home. It’s possible. It’s just not easy. Companies that pay remote workers good money look for people with experience and skills. You have to apply and qualify for full-time remote work just like any other job. That’s unless you launch a business selling your own skills or products.

If you’re just looking to earn side income, try sites like SwagBucks, Mechanical Turk, and UserTesting. These sites ask you to do small online tasks like reviews and surveys with no fees to sign up. You won’t be able to quit your day job with this income, but you’ll actually get paid for your time.

We all like a good shortcut to money and scammers know this. If you see an opportunity to cut corners and earn big money while wearing your pajamas (minimal effort required), it’s probably a scam.

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