Optimism helps job hunters and entrepreneurs get through tough times. But naive optimism can also turn them into victims, especially in an economy like this one. Two things in particular to watch ...

Cash back apps and websites can offer consumers a way to earn money back on purchases. Some cash-back rewards programs come with annual fees or a high annual percentage rate (APR), but not all.

Discover® Cashback Debit Account: Earn 1% cash back on up on up to $3,000 per month in eligible debit card purchases (See website for details). Wealthfront vs. Ally ...

Many US retailers offer the option to get cash back when you make a purchase with a bank debit card or prepaid card. But some charge a fee for that convenience.