I am one of the senior members of lumoxchange. Let me break it down for people here to understand. Lumoxchange foucses on personal finance and management. It requires that a new member makes 5 quality threads and 5 quality comments to be verified. The verification posts can be anything from 50 words. After that, you earn $0.03 per 50 words for your thread. That is to say if your threads are 100 words, you would be earning $0.06. I make 300 word posts, so I earn $0.12 per thread I make. Comments is 0.03 for a 100 word comment. You also get paid for people commenting on your threads.