It's more than just believing... Also, it's accepting Jesus's gift... Having a relationship with God(father) through his son(Jesus). That's the only way to being saved... Having them lead your life... To answer your second question no true believer can be a "bad guy"... So the two are sononamous..
Seems like it's just to help alleviate heavy labor more than making more profit... I would guess that the difference is minimal $$ wise but you won't be so tired at the end of the day/week which is important too.
Wow, you didn't know you can eat raw broccoli?! There's actually a shorter list of what needs to be cooked. I like prosteam's method of eating really well Mon-Fri and then treating yourself on the weekend.