The best type of free exercise at home is productive exercise. Doing your own yard work can be great exercise, especially if your lawn mower has to be pushed and you collect the grass clippings. Pushing an old vacuum cleaner over your carpet can have its physical benefits as well.
While you may have a much lower interest rate on your credit card, you must be realistic about how long it will take to pay it off. If what you charge ends up being long-term debt, you can bet your going to pay quite a bit over the duration. If you can pay it off before the end of the billing cycle, you most likely won't pay anything in interest charges or fees (except if you are charged for taking out a cash advance with your credit card). With a loan from a payday lender, you will be expected to pay back what you borrow within a couple weeks depending on your pay cycle. You're are free and clear once you payoff your lender.
You also must be able to show that you have suffered a financial hardship are are in danger of falling behind if you aren't already delinquent, and that you have not been convicted of a felony in connection with a mortgage or real estate transaction the last 10 years.
Many employers also realize they can't afford to pay higher wages, so they try to offset this by providing telecommuting as an option for those that prefer it. It's a benefit that can be offered that will actually save the employer money.
*Protectors- This name may come from the fact that someone who falls into this category "protects" their money. Ultra conservative when it comes to taking risks, the protector wants to be financially safe at all costs. Planning for a big financial future by preserving all that they have will put them at a huge advantage when it comes to retirement but may cost them in the process if they have a hard time "letting go" and having some fun. Someone who falls into this category may never consider taking out a payday loan as it is too risky.
Seems all well and good, but the problem here is that the calculation assumes that the cash generated during an investment will be reinvested at the rate calculated by the IRR, which may be unrealistically high and therefore will overstate the return on initial investment. Likewise, since negative cash flows are also discounted at the IRR, if that rate is fairly high, the investor might not accurately estimate the cash required to meet those future negative cash flows.