forget about btcjam, you can only lose.
depends on your risk level.
For high risk - high reward - there's one site I got 0.1 btc in, waiting for ROI. I like to test things, but obviously the risk is really big. If you're interested, send me a pm, don't want to promote those sites in public (don't want to get newbies involved)
low risk: BitShares BitUSD -
http://whatisbitusd.info check it out. BitUSD is pegged to the real $ and you'll get APR on it for HODL. more info on bitshares:
http://blog.smartcoin.pw