Work From Home Wishes

Work From Home Wishes

Work From Home Wishes, Make a living Working From Home
  1. Mind Altering Experience
  2. Don’t Forget Your Job
  3. Hardship and Translated Thoughts
  4. Work From Home Suggestions
  5. Not All Work From Home Activities Are Created Equal
  6. The Qualifying End of Story

Work From Home Wishes

Work From Home Wishes are usually had at work. So, if you are not already working from home, you may be one of those people who wish they were. That may seem obvious but it is very rarely expressed with any real meaning behind the statement. 

People say something like, I wish I could work from home. They say it but deep down they don’t mean it. They don’t mean it because they don’t know how to define it as it pertains to their world. It’s too confusing or difficult to them.

Unfortunately there is also the type of person who wishes something would just come walking through the door that will change their life for the better. You know the tooth fairy kind of thinking. Because we have multi-million dollar lotteries today, it’s the “if I win” line of thought.

Mind Altering Experience

If you are in the second category, it is time for a mind altering experience. By mind altering experience I don’t mean start using drugs. This is not a Timothy Leary experience in which you will be engaging. Not by a long shot although it may feel that way at times.

Reality says you must make the effort to improve your lot in life. Nobody else in this world will do it for you. I bet you already know that, right?

This may sound like a cold hard fact of life. It is. I realize the reasons people who indulge in wishful thinking do so because of their particular mindset and/or beliefs.

Don’t Forget Your Job

Some people love their job and don’t want to do anything else. Some people hate their job and take out their frustration by refusing to do anything but complain.

Either way, they still have a job. Sometimes the importance of a job is overlooked. It pays. The pay buys the groceries, gas, credit card bills and the mortgage. Maybe being appreciative for that old stand by called a job is in order.

I don’t mean staying there if you find something better. That better could be the lifetime work from home wish come true or a higher paying gig at another company. The job fills a need and it will continue to fill that need as long as you keep it.

Hardship and Translated Thoughts

Some people don’t want to face even the slightest of hardship which naturally translates into they would have to do something more difficult than what they are used to doing. Or, they may have to actually put forth extra effort.

Because our actions are our translated thoughts, we can change our actions. If we reset our thinking away from the woe is me or this is hard thought theology, we can begin to improve our circumstances.

One of my best friends is fond of saying the harder I work, the easier life gets. He puts his heart and soul into every endeavor. He doesn’t always succeed but he tries. When he succeeds, he usually reaps a very handsome reward.

That certainly indicates your thoughts will be a major guiding light in your endeavors. Why wouldn’t you want to channel them in a forward direction?

Work From Home Suggestions That Could Help You

Given this is true, and he is an ordinary guy who doesn’t have a college degree, everyone could at least try to achieve their wishes or dreams. The following suggestions may not be right for everyone but they are a good start to help you readjust your thinking on starting a home based business.

If you already have a hobby or product, start there. Do some marketing and advertising and see how far you get. A great example is the person who comes up with a fad toy. The toy started life as a hobby or toy for the developer’s children and the developer took it to the next level. You can do the same thing.

I’m not claiming this will be easy. You certainly won’t go from rags to riches overnight. But, and this is a big but, you never know what could happen if you get in front of the right person with the right idea or product.

If you do not have a hobby or product, select a company that has products that are in demand. They have already done the developing and marketing which means you don’t have to spend any money on those activities.

You will want to be sure the company offers support both offline and online. Online it probably will be forums or discussion boards while offline it’ll be literature and phone support.

If the company will pay you to refer people who join, all the better. This referral fee becomes a tertiary source of income. Look for other ways to increase your income from this company. You never know what they offer.

Not All Work From Home Activities Are Created Equal

This is another one of those painfully obvious statements. Some work from home activities require more time and energy. This could mean family time gets short changed. This could mean other events are cancelled or delayed.

Some folks would say, so what, let them get cancelled or delayed. My activity is far too important to me to worry about “other” activities. Nothing wrong with that mindset if you can actually carry it out.

On the flip side of the coin there are people who say they can do it but when push comes to a shove the work from home activity is the one that suffers. Therefore, work from home sounds like a great plan and it is. It is if you can bear the burden.

Fortunately in this day and age we have the Internet. The Internet, in many cases, flattens the curve. It allows the home worker to automate almost all of the tasks. A lot of the tasks can be outsourced. This is a giant relief pill.

The Qualifying End of Story

The successful work from home candidate has thought about and constructed a plan that formats itself to their life. Moreover, it is no different than budgeting one’s paycheck. So you can run off helter skelter and accomplish virtually nothing. Or you can plan and prepare and make your work from home wishes come true.

It would seem prudence dictates your first thought of working from home should have a basis in your personality. Are you suited to put your idea, dream into motion? If so, how will you do it? Where will you start? Can you see the finish line?

The qualifying end of the story is you prepared to encounter the bumps and bruises that are certainly ahead. And they certainly are waiting for you. No, you don’t know what they are. Above all you simply know they will be there and you know how to zig or zag.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

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Senior Outreach Ministries makes no warranty, representation, or guarantee regarding the information contained herein or the suitability of any products and/or services for any particular purpose. Any performance specifications are believed to be reliable but are not verified. Buyer must conduct and complete all performance and other testing of the products and/or services, alone and together with, or installed in, any end-products and/or services. Buyer shall not rely on any data and performance specifications or parameters provided by Senior Outreach Ministries. It is the Buyer’s responsibility to independently determine suitability of any products and/or services and to test and verify the same. Senior Outreach Ministries does not assume any liability whatsoever arising out of the application or use of any product or service. And in the name of full disclosure one should assume any ad they click on or purchase they make will provide us with a small fee. This is not added to the purchase price of any item or service you purchase. It is however one of the ways we fund the help we provide to seniors and their caregivers. Any recipients of our help as well as our staff thank you and appreciate you greatly.

A Dominated Fund and Pre-senes

A Dominated Fund and Pre-Senes

A Dominated Fund is something you might not be very familiar with. Chances are neither is the term “Pre-Sene”. The aim of this article is to take care of both of those.

You may know from reading our definition for Pre-Sene you can tell people in this age group are most likely still working. Very few are a member of the FIRE – financial independence retire early – brigade. Therefore the Pre-Sene probably has a 401(k), IRA or some other retirement program.

Since very few defined benefit programs remain in the work place that means the Pre-sene is contributing to a defined contribution program like the aforementioned. Besides knowing how a dominated fund is defined it is also imperative to know the percent of your retirement account in dominated funds. The easiest way to learn is to look at your retirement plan’s schedule.

The second easiest way is to get your plan’s investment schedule from your HR department. Before you launch into research here is the definition of a dominated fund: A dominated fund is a fund that no reasonable investor would invest in given that plan’s other investment offerings. This is according to one financial author.

Another financial author and professor defines a dominated fund as: An asset A is dominated if there is another asset B such that under “any” realization of the financial future asset B will provide a “larger total return” than asset A.

Let’s Try a Different Dominated Fund Explanation

In other words if the fund containing the bulk of your dollar bills is dominated by another fund (having a higher return and lower fees) in the same family your contributed dollars should be in that fund. Now you can start doing your research.

It is no secret fund managers put those dollars in dominated funds because these funds have higher fees. Subsequently, higher fees means higher commission dollars for the fund manager. And, to add insult to injury, the dominated fund may not receive any, or very little, personal attention. Personal attention is called management in the investing world.

And Now For a Example

An excellent example, as reported on some of the largest financial websites, is indexed mutual funds that have expense ratios (or other charges) that are not at the market minimum. As one of the reporting authors said —

“You might not think that there would be many such funds, but they are common as weeds.”

A quick summary. You absolutely must know how your dollars are being invested.

Because the how is the key to how much in fees and expenses you are paying. One source made the bold statement that an investor’s fee structure in one of these funds could cost the investor a minimum of $200,000.

That 200K is your money being dribbled out of your pocket and into the pocket of the fund manager. I don’t know if you want to pay that much and lose that amount’s ability to pay you in your retirement. If you do, keep doing what you are doing. After all, it is your money.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

Disputing Credit Card Charges

Disputing Credit Card Charges

Disputing credit card charges isn’t as hard as it may come across. I don’t know about you, but I’ve had to dispute credit card charges before. Maybe I was lucky. But I’ve only lost one dispute. The reason was I waited too long before disputing the charge.

Disputing Credit Card Charges, Disputing Fraudulent Charges on My Card

My bad.

A lecture seems to be in order at this point. However, lecturing is almost never taken too seriously. Because, we’ve grown immune to lectures and lecture oriented verbiage.

The very best way to keep from being involved in a credit card dispute is to be aware of each of your purchases. That is, you know not only the product. But the terms under which you are buying that item or items.

For example purposes only I’ll use a travel package from one of the multiple online travel sites. Most purchasers believe once they hit the pay link they own the airline tickets. Or the hotel reservations or whatever constitutes the purchased package.

These programs do not work this way. Take the airline tickets. You don’t actually own them until you show up for the flight. And then present the tickets to the counter agent.

Always Read The Fine Print

You didn’t bother to read the fine print on the website so you didn’t know that little detail. Your plans change and you can’t fly until one day later. You call the airline to make new arrangements and the agent lays out the details.

Details that put you in shock because they involve paying a huge amount of money. But, wait a minute you already paid for the tickets on your credit card.

Oops, you did but you don’t have control over the tickets. You really need to call the online site. And have them make the changes for you. Your credit card company won’t help even though you used their services.

They know who owns the ticket and will only agree with them if you dispute the charge. Not a good feeling and not a good spot to be in.

So you don’t find yourself in the same boat this short article will make a referral to a source with all the how to do it right information. That source is:

https://www.consumer.ftc.gov/articles/0219-disputing-card-charges

Yes, I could write a summary of the procedure. But then how much help would that be. In any event, disputing a charge can be easy or it can be difficult. So, according to me, visit the site and read what they have to say. You can turn difficult into easy if you pay attention.

To show you what I mean, here is the first paragraph on their website:

Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act (FCBA).

Notice the last 2 sentences. Don’t get frustrated. Get educated.

Good luck.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

Consumer Price Index and Inflation

Consumer Price Index and Inflation

The Consumer Price Index (CPI) and inflation are directly related. Although, the formula for calculating the inflation rate is relatively simple the truth is nobody gives a good gosh darn.

And maybe we shouldn’t given it is a government calculated number and the government actually tells us what it is for the year every year. In fact, watch any business show on television and you will hear the talking heads spew forth about inflation and the CPI.

Consumer Price Index and Inflation

It is helpful to know the agency responsible for computing the CPI and informing the general population of that number is the Bureau of Labor Statistics or BLS for short. They actually survey thousands of prices all over the country and formulaically compute the Consumer Price Index and the inflation rate.

For any index to be worth its salt it has to have a base rate to be used for comparison purposes. This means somebody or some agency sets that base. With the CPI it is the BLS and currently the base year for comparison purposes is 1984.

The truth is it wasn’t exactly 1984. What the government math wizards did was use the numbers from 1982 -1984 took an average and called 1984 the year the CPI was 100. Just like magic they had a year and a number.

What Does This Mean to Me?

What does all this have to do with me you might be asking. Well, maybe a lot and maybe nothing. I will say if you are a senior about to retire or are already retired this number is important.

You see, inflation eats away at your buying power. If something cost one dollar in the base year, 1984, but costs 1.98 today, inflation has eaten ninety eight cents more out of your nest egg.

It could get more complicated but why complicate a simple formula I’ll show you in a minute so you can break even with inflation. As seniors we face medical bills, taxeshospital bills. All the same bills pre-senes and younger people face too.

But what we don’t face is longevity to combat this bully called inflation. It simply eats away our money and we seemingly can’t shoo away the monster.
Year after year it nips at our heels.

Breaking Even With Inflation

Fortunately there is an easy to use formula to help us calculate the investment rate of return we need to “break even” with inflation. Expressed as a fraction it looks like:

Inflation Rate / 1 – Tax Rate

Obviously we need to know the inflation rate and our tax rate. I will assume the inflation rate is 5% and the tax rate (bracket) is 30%. Our equation looks like:

.05 / 1 – .3

Or

.05 / .70

Dividing we get this number: 7.14

7.14 expressed as a percent is 7.14 percent or .0714. This is the return we would need to receive to stay even with a 5% inflation rate in a 30% tax bracket.

We could have more fun with the Consumer Price Index and inflation but this appears to be enough fun for this article. Keep this formula in mind as you plan your retirement.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

The Granny Gift Tax

The Granny Gift Tax

The Granny Gift Tax, Capital Gains Tax, The Gift Tax, The IRS

The granny gift tax is a cute way of saying the IRS subjects gifts you give to qualified receivers to income tax. Imagine that….. The IRS taxes you for being kind.

Well, isn’t that special?

In truth this tax is simply called Gift Tax. The IRS devotes a lot of words about this tax here:

https://www.irs.gov/businesses/small-businesses-self-employed/frequently-asked-questions-on-gift-taxes

They cover every question known to mankind on gift taxes on that page.

I call it the granny gift tax because grandparents and parents have been giving money to their siblings for a little longer than giving itself has been around.

The IRS came along in 1913. And, it’s been business as usual since. So when they recognized a good thing, they did what they always do, they taxed it.

The IRS isn’t a total Scrooge however since their rules allow, in 2019, gifts up to $15,000 annually per donor without either the giver or receiver having to report it on their personal tax form. If you are married you can give $30,000 to each eligible receiver without either party in the transaction suffering through reporting worries.

The rules are the same for same sex married couples. The granny gift tax cares not about your sexual orientation. The granny gift tax is an equal opportunity tax mechanism.

Taxes Can Have a Silver Lining?

This could be quite an estate planning tool for people with a high net worth. For example, assume a married couple has three children and each one of them is married. So, that makes a family of six eligible receivers.

Six times $30,000 equals $180,000. A substantial reduction in the size of the estate meaning the gifts reduced the estate’s value for taxing purposes. But, of course there may be more eligible receivers in this family tree thereby reducing the estate’s value for tax purposes.

The IRS does permit a donor to give more than $15,000. The worm in the apple is the reporting requirement. The receiver must report any amount over $15,000 and pay tax on this amount.

Above All Else, Always Take Care of Your Gift Taxes

Gifts larger than $15,000 should be coordinated with your estate planning accountant and/or attorney. In fact you should always consult a licensed, knowledgeable, competent professional. Running afoul of the rules could turn the gift from wonderful intention into sour apples. The taxman is the no excuses, non-forgiving type.

And, this doesn’t only apply to cash. But, securities, real estate, coins and all other assets. Any value over the magic base amount of $15,000 is subject to tax.

The granny gift tax has exceptions and exemptions. They will be covered in a separate article. The purpose of this informational resource was to point out the gift amount. And alert you to the possible tax consequence, should you go above the maximum.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

Relieve Pain With Hot and Cold Packs

Relieve Pain With Hot and Cold Packs

You don’t have to be a senior citizen to know about using hot and cold packs to relieve pain. I can remember my mother using both on me when I was a child. And, I am 74 years old today with 4 children and 6 grandchildren.

I bet you can surmise I used the same treatment methods for my kids as my mom did on me. Sometimes they worked sometimes they didn’t. Obviously the aches and pains source was the primary determinant in what or would not
work.

A broken leg or arm for example are not candidates for either a hot or cold pack. They are candidates for a visit to the ER or nearest Urgent Care Center. They should be seen by a doctor as soon as possible.

I have lower back pain. My chiropractor gave me this advice. He said apply a hot pack for 15 minutes, change to a cold pack for 15 minutes and then walk for 15 minutes. This has worked for me every time the pain resurfaces.

My Pain Relief Advice

Keep in mind I am not saying it will work for you. I am saying of all the hot and cold packs to relieve pain this one worked for me. My hot pack consisted of a hot water bottle. My cold pack consisted of a plastic bag full of ice.

Please note I didn’t rush to the pharmacy or big box store to buy an over the counter product. I used what I had in the house.

You can follow my lead. My sore muscles and joints don’t care where the relief came from. I’ve even used frozen vegetables as a cold source. If it works, I’ll use it.

Cold reduces inflammation by constricting blood flow to the injured area. Heat does the opposite. Obviously using hot or cold packs to excess can reduce the effectiveness of hot and cold packs to relieve pain. The old saying, too much of a good thing is still too much, certainly applies in pain relief.

Relieve Pain With Ice and Heat

Common sense coupled with the aches or pain will tell you what is working and what isn’t working. Pay attention to your body. It wants relief and is definitely speaking to you. Listen.

Hot and cold packs to relieve pain are only one method to relieve pain. Prescription drugs, gels, balms, ointments, and other such palliative pain relievers may be the answer. Only you know which works best for your particular pain.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help someone in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help others. We never have and never will ask the government for grants, funds or hand outs. And, Thank You in advance.

Funeral Planning Pt. 2 — Funerals

Funeral Planning pt. 2 — Funerals

Funeral Planning pt. 2 the funerals will talk about the second phase of the funeral process. That is the funeral itself.

The first article titled Funeral Planning was an overview introduction into the total event. The second phase, funerals, on its face, sounds like a by itself event. For the deceased person, it is.

But, it could be a nightmare for the living.

Funeral planning – the funeral encompasses decisions many of us don’t or won’t ever think of. For example, organ donation. If the deceased is donating their organs that information will be on their driver license. Or, in their advance health care directive.

These organs have to be harvested almost immediately at death. If the deceased died in a hospital, they have a coordinator to guide you through the process.

Should the deceased be in a nursing home or hospice or elsewhere, contact your nearest hospital. Almost all hospitals have staff who will help. They answer questions and provide guidance at no cost.

Contacting immediate family members is common sense. However common sense may not be common at this time. Someone needs to be delegated to complete this chore.

Bequeathal is one of those items very rarely discussed at family gatherings. However there are people who donate their body to medical schools. Please respect those wishes.

The next of kin, by the way, can donate the body too. But the decision needs to be made as early as possible. And the reason is obvious.

The Least Enjoyable Part

The 800 pound gorilla in the room is the funeral cost. What the deceased requested can end up being offset by what can you afford. Or, what’s realistic.

Maybe the question what will help the family the most is the most important question. Only you can decide given your set of circumstances.

Costs vary by region. A funeral costing $6000 in Kansas is $13,000 in California, for example. The total estimated average cost across the United States is a little over $11,000.

Obviously there are some items on the list that may be pared away. Subsequently reducing the total outlay. Furthermore, each case is different and stands on its own particular factors.

There are other final expense estimates that will be addressed in After the Funeral – Part Three. For the moment let the above estimates sink in.

Funerals can be frustrating, stressful, annoying and irritating. For everyone involved unfortunately. But it has to be done. How you perform the necessary tasks can eliminate these feelings. And even leave you with a feeling of warmth. Just knowing you did the best you can do under the circumstances.

Funeral Planning – Pt. 1 | Funeral Planning – Pt. 3



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

Social Security Disability Benefits

Social Security Disability Benefits

Social Security disability benefits are provided through two Social Security Administration programs. And the payments available to the disabled are paid monthly.

Social Security provides a downloadable pdf here:
https://www.ssa.gov/pubs/EN-05-10029.pdf. It is worth your time to at least read their book.

The application and consideration process is complicated. This article is not the complete answer. To make a good start you have to read the book. After that you need to seek help from knowledgeable and competent professionals.

Social Security disability benefits are available to people who become disabled before reaching age 65. And, above all, make sure you pay attention to their definition of disabled.

Here is how Social Security defines disabled:

*Social Security pays benefits to people who can’t work because they have a medical condition that’s expected to last at least one year or result in death.*

The definition is strict. Because federal law says it must be strict.

Social Security disability benefits are offered through two different programs. The first is Social Security Disability Insurance (SSDI). And the second one is Supplemental Security Income (SSI). In short you must meet two different earnings tests to qualify for benefits:

  1. A recent work test, based on your age at the time you became disabled;
  2. A duration of work test to show that you worked long enough under Social Security.

SSDI and SSI are the same species. However, they are a different breed of animal. People who become sick or injured and can no longer work are SSDI candidates. And payments from your paycheck fund this program.

The social security disability benefit allows you to collect a check for as long as you are disabled. And you can collect until you reach retirement age and can claim regular retirement benefits.

Here’s What Makes Them Different

SSI differs because it’s for people who have a disability. Like being blind. And they also earn a limited income. People over the age of 65 may also apply for SSI. SSI recipients must have a low income. And have little or no valuable assets. This program is funded by general tax dollars.

Regardless of how the programs are funded they exist to help people. However, do not expect to get rich. They are meant to keep the disabled from being homeless and starving.

Applying for Social Security Disability Benefits

Applying for social security disability benefits is easy. Because were living in a technological age. Get online and visit: https://socialsecurity.gov or call the toll free number: 1-800-772-1213. The TTY number is 1-800-325-0778. Their office
hours are 7 a.m. to 7 p.m.

When you schedule your appointment the SSA sends you a kit. This kit will help you get ready for your disability claim interview. If you do not want to wait for the kit go to https://socialsecurity.gov/disability. You can download a copy.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.