Left Handers Earn Less Income

Less Income?

It's International Left-Handers Day! So, what's the big deal about lefties? For starters, left-handers might earn 10 - 12% less annually than their right-handed counterparts! Yet, left-handers generally work harder! Why is that, and who says?
One study concluded it may be due to the fact that left-handers neurological wiring is different than right-handed people, resulting in left-handers bringing in less income. Sounds like left-handers may have less to celebrate, than more. On a positive side - they're supposed to be more creative. Hurray for left-handers!

Work from Home Top 100 Companies for Telecommuting Jobs

Telecommuting Jobs

  • Offer the ability to work from home.
  • An opportunity to gain more control over their life.
Working from home is not for everyone, and it requires discipline that some people simply don't have. For the independent soul telecommuting jobs provide greater freedom, but without being in business for themselves.

Is a telecommuting work from home job or career right for you? You'll need to make that decision for yourself, because you know if whether or not you have the right characteristics and personality to succeed in that direction.

If you're already well acquainted with the frustration of searching for a legitimate work from home opportunity, and tired of running into dead-ends with the work from home scams, this information will help.

Locating Telecommuting Opportunities

Here's two quick tips to get you started with finding a work from home solution:

1). Forbes completed an article featuring the top 100 companies offering work from home opportunities for this year. Just when you thought there might not be many places to search, you will probably be overwhelmed with so many work from home choices!

2). The list Forbes provided was generated from the site Flexjobs. If you don't want to limit your search to the top 100 companies, and want to search with more specific parameters for telecommuting opportunities, give Flexjobs a try.

There is one catch though - yeah, I'm sure you may have been wondering if there was a catch! If you find a job on their site you're interested in, you will need to register on their site, and the only way you can access the information for the company offering the position is by a paid subscription. However, if you're serious about finding a flexible telecommuting position with a legitimate company offering a real job and not a scam, it may be worth the subscription price to pursue it.

If I were able to make a suggestion to Flexjobs, it would be for them to offer one free month trial subscription.

If you're looking for a legitimate work at home job I hope that may send you in the right direction, and save you time. After all, time is money and the less you waste on unfruitful searches, the more you will save!

Employment Security Clearance Fees for Top Secret Clearance

Searching for Employment

  • Can be difficult, and especially during rough economic times.
  • The stress of being unemployed and needing to resolve that challenge can make us vulnerable to offers that are not legitimate offers of employment.
Some positions for the Government, Department of Defense, and for businesses that contract with the military may require Security or Top Secret clearance. Some companies and recruiting agencies may promise to complete the process of obtaining Security Clearance for you, but beware!

Job Search Cautions

  • Do your homework in regards to the position you are applying for!
  • Research - 'who' the the entity is that you submit your application to!
  • Be on the alert to potential bogus employment offers, including those that promise to obtain your Top Secret or DOD security clearance for a fee
  • A legitimate offer of employment, which requires a DOD and/or Top Secret clearance, will not ask you for a fee.

Online Banking Options

For some, banking is far easier thanks to the internet. For others, if they're technologically challenged, or dumb criminals, online banking options won't fix their problem:

 Image by:
Captions by:
Tammara Garland

Money in the Bible and the Prosperity Gospel

Scriptures Regarding Money

  • Within the Holy Bible there are many scriptures in regards to money.
  • Given the world we live in, it's easy to fall prey to what has become known as the 'prosperity gospel'.
The fact is, we all need money to survive, and there isn't anything wrong with money. However, when we become obsessed with money, and/or have the love of money, it then becomes a hindrance to everything else in our lives.

Trusting in Riches

  • The Bible makes it clear that we will have needs.
  • But, trusting in riches from money and possessions is not what the Bible is referring to when it speaks of riches.
  • Scriptures are often twisted, and in regards to money and prosperity, those scriptures that were twisted become an illusion, which clouds the truth.

Monetary Stewardship

  • God does not wish for anyone to suffer from lack.
  • He wants people to live a prosperous life, but prosperity comes in other means as well - not always relating to money.
  • God wants everyone to be a good steward of the money they have to work with, so stewardship is important, and it is taught in the Bible.
  • Lack of stewardship can contribute to lack of resources.

My hope is that each of us learns to focus on true riches, aside from those gained by monetary wealth.

Use a Lottery Simulator to Play the Lotto and Save a Dollar

Winning a Lottery

Wondering what your odds are of winning a lottery such as the the mega millions? The quick answer obviously, is to simply read the odds revealed in print, but reading the odds doesn't stop most people from playing, as they hope they just might be 'the lucky one'!

Compare Investing One Dollar a Day

  • Rather than playing the lotto, consider investing $1.00 a day - minimum.
  • If you save the $1.00 each day you would have normally played a $1.00 lottery ticket, and calculate how much that can add up over time. It may not seem like much, but the time value of money does add up as more time goes by!

Time Value of Money - How Much a Dollar a Day is Worth

  • Let's assume an interest rate of only 3% on the money (compounded interest), which is roughly that of the average inflation rate in the USA over the last 30 years.
  • Next, we'll do a calculation at a higher rate of return on $1.00 a day at 8% compounded interest. Let's also assume you saved $1.00 a day for 365 days of the year, rather than playing the lottery daily. Here's the results:

Saving $1.00 a Day with 3% Compounded Interest Rate

1 Year: $375.95
3 Years: $1,162.02
5 Years: $1,995.97
7 Years: $2,880.70
10 Years: $4,309.85
15 Years: $6,992.26
20 Years: $10,101.92
25 Years: $13,706.86
30 Years: $17,885.98
35 Years: $22,730.72

Saving $1.00 a Day with 8% Compounded Interest Rate

1 Year: $394.20
3 Years: $1,279.73
5 Years: $2,312.61
7 Years: $3,517.37
10 Years: $5,710.60
15 Years: $10,703.36
20 Years: $18,039.37
25 Years: $28,818.36
30 Years: $44,656.24
35 Years: $67,927.28

Potential Growth of Small Investment

  • The potential growth on only $1.00 a day, can you really afford to play the lottery when the odds are stacked so high against you?
  • Higher rates of return can be achieved by investing in the market, but don't overlook the higher risk as well.
The above calculations are assuming a lump sum of $365.00 invested the beginning of a year, rather than investing $1.00 a day. This article originally spoke of the MegaMillions Lottery Simulator, of which I later decided was not a good place to link to. I've edited the article to instead reflect your opportunity to invest a dollar a day!

Money Saving Coupon Auctions Prohibited

Coupon Auctions Prohibited

Pinching Pennies Coupons

  • A must for many families. Pinching pennies includes clipping coupons.
  • With the Internet, gone are the days when clipping coupons only came from your local newspapers or magazines.
  • For some, coupons are purchased from auction sites.
Some auction sites like eBay allow coupons to be sold on the auction block. I've never 'bought' a coupon as it almost seems like an oxymoron to me, but I guess one could still get a bargain by acquiring coupons that way.

Auctioned Coupons Prohibited

  • Some manufacturers prohibit their coupons being auctioned.
  • Be cautious purchasing auctioned coupons
Example: a coupon from one manufacturer getting their two cents worth in regarding the auction strategy; by prohibiting the auctioning of their coupons.

Notice the coupon states, "May not be sold or auctioned, or otherwise transferred or reproduced." This manufacturer considers it to be a form of fraud if their coupons are auctioned.