Joy Essential Oil-What’s in it?

 

If I invited you to this page or you just happened upon this page and have questions or want more information, you can Email me at DexterDBlack@comcast.net. If someone else invited you, please get back to the person who sent you here for further ordering or informational questions.

You can also find me on facebook: https://www.facebook.com/WealthandRiches

May your days be filled with good health, good friends, good food, and most of all; much love,

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Dexter D Black

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How To Eliminate Credit Card Debt The Smart And Fast Way  

How To Eliminate Credit Card Debt The Smart And Fast Way

First the shocker: Credit Card Debt is okay to have.  Yes, it really is IF you are using your credit card as a form of an investment source to create more income. It might be a last resort type of fund sourcing, but it’s there if you have no other choices. Realize that unless you get in on an interest-free offer for x amount of time, you will be paying high interest with the majority of credit cards.

For everything else, credit card debt is “bad debt.” Debt that takes money out of your pocket, not money put in your pocket. It’s difficult to be Rich and Healthy when you have credit card debt. In the back of your mind you know you’re getting ripped off each time you use that card. This can cause health issues (especially when you get to the point that you can’t pay your credit card bills and other bills) and of course, it causes a drain on your riches. Something you do not want either!

So, what do you do to get rid of credit card debt the smart and fast way? First, to what you don’t do. You don’t cancel your account with the credit card company, at least in 99% of cases. Canceling your credit card account will cause your credit score to go down. I say 99% of the time because there is still justification in my opinion of canceling a credit card. I had one that had an annual fee of $60.00 that I would call every year to have waved. Last year, I called and they had sold my account to someone else and this someone else refused to wave the fee. Even after I escalated to a Supervisor, they wouldn’t wave it, so I canceled the account. This is a rare occurrence because usually, they will wave such a fee if you ask. Which brings me to my next point.

Call your credit card companies and ask a couple of things, and perhaps not in the same call.

  • The first thing to ask if they can do any better on the interest rate? If you have other cards with better rates, be sure to mention it to them. Let them know that you enjoy their card and would like to continue doing business with them, but would like a better rate like the others are giving you. The worst they could say is “no” and the best is they may reduce your rate for a time period or permanently. Any reduction in interest rate is a saving to you an will help you pay off the card faster.
  • The other thing you can do with a call to your credit card company is asking for an increase in your credit limit. Not for the purpose of spending it, but for the purpose of increasing your credit score. Do this on the same day with all your cards. Watch your credit score go up. The higher your credit score, the lower your interest rates when you go for a loan. Don’t do this though if you have no self-control, because you’ll end up sabotaging yourself in spending yet more money that you don’t have.
  • Always pay on time. A late payment will cause your score to go down and many cards will increase your interest rate if done more than once. Some of them will increase your rate even if you do it just once. So to save yourself money, always pay on time.
  • In the instance (not as a habit) forgot to pay your credit card bill on time, your credit card company will charge you a late fee. Call your credit card company and let them know that you don’t normally pay late and if they would remove the late fee. Most of them will when they see you don’t normally pay late. Some fees are as hefty as $30 when paid late, so be sure to ask to have it removed.
  • Don’t carry a card with an annual fee. There are way too many companies that do not charge an annual fee, to keep one that does. If you have one that does charge you an annual fee, call them and see if they have another card you can transfer into instead that does not carry an annual fee. If they do not, when you are charged an annual fee, call and ask for it to be waved. Do this until your balance is paid off, and never use this card company again.
  • Don’t carry a balance. Pay off your balance each month to save interest. (Many times easier said than done, go to the next bullet point if this is you).
  • If you are already in a situation where you have a large balance and can’t pay it off there are a number things you must do to save yourself a bundle of money. 1. Stop using your card. Don’t cut it up, but if you can’t help yourself from using it, freeze it in water in a ziplock bag. I know it’s radical and sounds crazy but it works. 2. Pay towards your balance each time you get paid if you work a job. If you have a business, pay towards your balance every other week. If you have a job pay towards the balance each time you get paid. 3. Be sure to pay more than the minimum balance each time you pay. 4. If you get some unexpected money in, take a portion of it and pay towards your balance. If you do these things, your balance will be zero eventually. Don’t thaw out your card after it’s paid off. Leave it alone!
  • If you have more than one card with a large balance that you can’t pay off in full, take the minimum balance you were paying on the card you just paid off and use it to put towards your other card that does still have a balance along with the payment you would regularly make, thus doubling your payment.  For example Card 1, the minimum balance you were paying is $30 a month. Card two is a minimum balance of $70 a month.  You pay off card one. Now the following month you pay towards card two your normal $70 plus the $30 you were paying on card one. So now you are paying at least $100 a month towards card two. This is known as the avalanche method. Better yet pay $100 a month over your minimum balance due plus the $30 you were paying for card 1. If you stick with this method you’ll see your balances going to zero before you know it!
  • So which card do you choose to pay off first? Great question. Because spending money and saving money can also be emotional choose to pay off the lowest balance first. It will feel good once it’s paid off and encourage you to continue on with the plan on paying off the next card. If you choose instead to pay off the highest balance it will take longer and you may get discouraged and abandon the whole idea of paying off your credit cards. That is the last thing you want to happen.
  • If both balances are just about equally the lowest, then pick the one with the highest interest rate to pay off first. So for example, if Mastercard has a balance of $1300 at 16% and Visa at 18% and has a balance of $1500, pick the Visa. But if the balance difference is large, then go with the lowest balance regardless of the interest rate.
  • Many financial institutions will encourage you to consolidate your debt by taking out a lean on your home. Forget it! Don’t do it. Even though the interest rate is lower, what will happen more than likely is, you’ll take the house loan with the justification of the rate being lower, and pay off all your cards and then a couple of months later, you’ll start racking up credit card debt again. Now you’ll be in a deeper hole, with your house also on the table of losing it. Take the harder road and continue to pay a payment each time you get paid to your credit card. Because it is harder, your mind will appreciate the hard effort you put in and the accomplishment of paying it off that more than likely will have learned your lesson and not charge any more to it. Where with a loan with your home as security, it feels like free money and your mind will not grasp the danger involved until it’s too late. Bankers love to get people all tied up like this. It means more money for their personal vacation fund, and not yours. The banker will be sipping a cold drink on the beach in some beautiful paradise off your financial mistakes, and you’ll find yourself getting a second job just to keep up with the payments. Don’t do it! Make yourself Rich, not your banker.  Only take out a loan on your house for income investment that will put money in your pocket, not out of it.
  • The same goes for getting a personal loan with a lower rate. ONLY do this, if you are 100% sure you will not be using your cards after they are paid off. If you do choose this option, it will up your credit score because now your cards will have been paid off, or partially paid off, increasing the available balance. This could qualify you for a card with a lower interest rate that you can transfer the balance to.
  • Use only 20% of your total available credit to keep your credit score high. So if your card has a total available credit of $2000, you would never charge more than $400 on it.
  • Once you are disciplined in credit card usage (i.e never carrying a balance and only using it to make money, not spend money) then you can start calling your credit card company and ask for a credit increase.  Do this once a year if they haven’t automatically given you an increase. Again you should only be using credit cards for a loan as the very last option of raising money for any type of investment. Preferably it’s best not to even use this option.
  • Remember what the Bible says about debt:  Proverbs 22:7 (NIV), “The rich rule over the poor, and the borrower is slave to the lender.”

 

If I invited you to this page or you just happened upon this page and have questions or want more information, you can Email me at DexterDBlack@comcast.net. If someone else invited you, please get back to the person who sent you here for further ordering or informational questions.

You can also find me on facebook: https://www.facebook.com/WealthandRiches

May your days be filled with good health, good friends, good food, and most of all; much love,

dex-in-blue-background

 

 

 

 

Dexter D Black

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Spending Less Than Your Total Income On Non-Necessities Can Help You Become Rich.

Photo by Ingo Hamm on Unsplash

Spending Less Than Your Total Income On Non-Necessities Can Help You Become Rich.

The well-known speaker Jim Rohn talks about this along with many other financially successful people.  I like the way Jim Rohn puts it. “Never spend more than 70% of what you make.” He calls it the 10/10/10 rule. 10% to charity or those you want to give in need to. 10% active investment (those that take your time) and 10% to passive investments (such as stocks, etc). I like the way he puts it. He says “Now I might have caught you at a bad time, and you’re not able to put away 10/10/10. You might have to start with 1/1/1, but that’s okay, so long as you have a plan.”  A plan meaning how to gradually increase that until it is 10/10/10.

Every successful businessman (or woman) that I’ve ever read about always gives this rule. “Pay your self first 10%.” Unsuccessful people pay their bills and then if there is any leftover save. The successful pay themselves first, and then everybody else.  If you wait to pay yourself last, you may never pay yourself. Again, going back to what Jim said, even if you can’t start out with 10%, start out with something, even if it’s 1%.

Have you ever gone to the Dollar Store with really nothing in mind to buy, but come out with a few bags of “stuff”?  I believe that is okay if you have already gotten to the 10/10/10 rule, but if you haven’t, you will need to reevaluate your spending.

Another person’s advice that I like a lot is Bob Proctor’s. He advises to set up to have all your bills paid automatically, so you aren’t focused on the debts you have to pay, but rather you are focused on what you have and what you are going to do with what you have.

Randy Gage a very successful network marketer has a different approach. He has a folder that he has marked “Past blessings” and puts his monthly bills in that folder. That way he’s not angry in having to pay bills, but rather he’s paying for “past blessings.”

Lisa Nichols author of Abundance Now! and speaker, who went from being a single mom on welfare to a very nice lifestyle, gives us this advice: She says when you pay your bills to mark on them “Thank you.” So, for example, you pay your electric bill. You write on it “Thank you” and think of all the benefits of having electricity have given you and being grateful for it.

Robert Kiyosaki author of Rich Dad, Poor Dad and many other books says anything he wants to buy a big-ticket item that he wants, he first asks himself”How can I afford this?” He then creates or buys income-producing assets to cover the cost of what he wants.

So no matter which method works best for you, use at least one of them to help you become rich or richer.

If this blog post has helped you in implementing a savings/spending plan, please comment below and share with someone that you feel could benefit from it.

Thank you.

If I invited you to this page or you just happened upon this page and have questions or want more information, you can Email me at DexterDBlack@comcast.net.   If someone else invited you, please get back to the person who sent you here for further ordering or informational questions.

You can also find me on facebook: https://www.facebook.com/WealthandRiches

May your days be filled with good health, good friends, good food, and most of all; much love,

dex-in-blue-background

Dexter D Black

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Realizing Mistakes Is A Part Of Becoming Rich.

Photo by Luiz Hanfilaque on Unsplash

Did you know that rich people make mistakes? It’s true. I don’t know of any person that has become rich without making some mistakes.

You see the issue is, most people don’t become rich because they are afraid to take a chance into doing something new. They want to “play it safe.” They say “What if I try it and I fail?” What if you do try it and fail? So what. Many rich people have tried and failed. They just didn’t give up. They tried, they failed, they adjusted, and tried again; until they made it.  You should too.

I happen to currently work for the largest Cable company in the USA and I’ve seen them make plenty of mistakes. Over the years I’ve seen them launch new products and services and I’ve seen them crash and burn. Did they fold up shop and quit? No! They just tried something else, until they found something that was a hit! BOOM! As a matter of fact, I’ve seen from the inside them improving their service all the time. Adjustments after adjustments. Why? They want to get it where it runs better and better. They also have to be on the cutting edge otherwise the competition will get ahead of them and they will lose ground.  Always hustling. Pushing us to upsell, making new goals for sales. Advertising on radio and TV. Mailers. You name it, they got their name out there. That’s what it takes to become rich and stay rich. You never quit, even when you blow it. You just readjust and go for it again with all you got! Give it all you got and don’t let up!

Let’s also talk about the “No.” You must not take no for an answer. There’s a great book called “Go For No!” By Richard Fenton (Author, Narrator), Andrea Waltz (Author).

 

 

 

 

 

 

 

 

 

 

 

I highly recommend the book and audio CD.

You have to go through mistakes and no’s to get to success. There is no other way around it.

Consider what is written here and start by taking action. I hope this blog post has helped you. If it has, please comment and share it with someone that you think can benefit also.

Questions?

If I invited you to this page or you just happened upon this page and have questions or want more information, you can Email me at DexterDBlack@comcast.net.

If someone else invited you, please get back to the person who sent you here for further ordering or informational questions.

You can also find me on facebook: https://www.facebook.com/WealthandRiches

May your days be filled with good health, good friends, good food, and most of all; much love,

dex-in-blue-background

 

 

 

 

Dexter D Black

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Fruits, Veggies, and High Blood Pressure

Photo by Johannes Hofmann on Unsplash

Fruits, Veggies, and High Blood Pressure

What we eat or don’t eat can make a difference in our blood pressure.

A Chinese study shows that people who often ate fresh fruit had lower systolic blood pressure than those who rarely did. It’s possible that Potassium may be the reason.

Apparently, Potassium helps recruit molecules that return sodium to your blood, so you flush out more sodium as a result.

So what can we eat that has potassium? Some things are avocado, squash, spinach, sweet potatoes, salmon, bananas, sun-dried tomatoes, Raisins, Edamame, and prunes.

If I invited you to this page or you just happened upon this page and have questions or want more information, you can Email me at DexterDBlack@comcast.net or call me at 717-467-5088. If someone else invited you, please get back to the person who sent you here for further ordering or informational questions.

You can also find me on facebook: https://www.facebook.com/WealthandRiches

May your days be filled with good health, good friends, good food, and most of all; much love,

dex-in-blue-background

Dexter D Black

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Are You An Egg Head? I Sure Am

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Are you an Egg Head? I mean are you anything like me and love eggs?

Well, good news! Eating eggs will not increase your risk of developing dementia, or Alzheimer’s disease according to researchers in Finland. In all actually, they figured out that eating an egg a day may actually help prevent those conditions! Why? Eggs are high in choline, a nutrient that could improve cognitive performance.

If I invited you to this page or you just happened upon this page and have questions or want more information, you can Email me at DexterDBlack@comcast.net or call me at 717-467-5088. If someone else invited you, please get back to the person who sent you here for further ordering or informational questions.

You can also find me on facebook: https://www.facebook.com/WealthandRiches

May your days be filled with good health, good friends, good food, and most of all; much love,

dex-in-blue-background

Dexter D Black

* Disclosure Link http://dexterdblack.com/disclosures

 

 

 

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Cut Out The Sugar Drink With Your Meal To Increase Metabolism

Photo by Ashley Kirk on Unsplash

 

Cut Out The Sugar Drink With Your Meal To Increase Metabolism

 

 

 

Sugar is easy for the body to turn into fuel. IT makes your metabolism less efficient. Combining sugar and protein together causes your metabolism to slow down and because of that your fat storage increases which also means your body is burning fewer calories.

So, next time you have a meal, cut out the sugary drink and have water instead.

Source: BMC Nutrition

 

Questions?

If I invited you to this page or you just happened upon this page and have questions or want more information, you can Email me at DexterDBlack@comcast.net or call me at 717-467-5088. If someone else invited you, please get back to the person who sent you here for further ordering or informational questions.

You can also find me on facebook: https://www.facebook.com/WealthandRiches

May your days be filled with good health, good friends, good food, and most of all; much love,

dex-in-blue-background

Dexter D Black

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Young Living Essential Oils Is Much More Than Just About Making A Profit

Many people know about Young Living essential oils company, the top leader in essential oils and oil infused products,  but don’t realize they have a non-profit branch also called The Young Living Foundation. The Young Living Foundation is involved in many parts of the world, building schools and helping children learn and supply their basic needs of everyday living.

I am proud to be a part of such a company as Young Living in contributing towards this Foundation in rounding up our dollar orders, and giving extra. Just being a part of Young Living, knowing that some of their profits go towards children in need is just another way of being involved in a great vision that Young Living has.

 

When ordering essential oils or essential oil-infused products online or by phone:  enter in Enroller and Sponsor areas this number: 1085586
Phone Orders
1-800-371-3515 (toll-free Canada & US)
Monday–Saturday: 5:00 a.m. to 10:00 p.m. US MT

Questions?

If I invited you to this page or you just happened upon this page and have questions or want more information, you can Email me at DexterDBlack@comcast.net or call me at 717-467-5088. If someone else invited you, please get back to the person who sent you here for further ordering or informational questions.

You can also find me on facebook: https://www.facebook.com/WealthandRiches

May your days be filled with good health, good friends, good food, and most of all; much love,

dex-in-blue-background

Dexter D Black

* Disclosure Link http://dexterdblack.com/disclosures

 

 

 

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How To Possibly Boost Fertility

Photo by Marcos Moraes on Unsplash

I can’t say I have a personal experience with this, but I find the prospect interesting. If any of you try it, let me know how it works out, okay?

According to a new Korean review, a root called Maca. They say it’s pleasant tasting (again I don’t know because I’ve never tried it).

They say to start with 1 to 2 teaspoons and work up to 1 to 2 tablespoons of the raw, organic powder in a smoothie or oatmeal. Make sure its 100 percent maca. Try Navitas Organics or Sunfood brands.

Note: No matter how great something like this may be, nothing beats living a healthy lifestyle.

If I invited you to this page or you just happened upon this page and have questions or want more information, you can Email me at DexterDBlack@comcast.net or call me at 717-467-5088. If someone else invited you, please get back to the person who sent you here for further ordering or informational questions.

You can also find me on facebook: https://www.facebook.com/WealthandRiches

May your days be filled with good health, good friends, good food, and most of all; much love,

dex-in-blue-background

Dexter D Black

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Posted in Food, Male Reproductive System Natural Support | Tagged , , , | Leave a comment

The Best Way to Get Probiotics and Prebiotics Is Through Food

Researchers suggest supplementing probiotics with prebiotics which feed the bacteria already in your body. The best way to do this is through the types of food you eat. Eat a varied diet filled with veggies, legumes, and fermented foods. Beyond that, if you feel you’re not getting the right amount of foods in your diet, then supplements may be the second best option for you.

 Life 9 from Young Living is a great option for Probiotics. that combines 17 billion live cultures from 9 beneficial bacteria strains that promotes healthy digestion, supports gut health, and helps maintain normal intestinal function for overall support of a healthy immune system.*

 

 

 

 

 

Master Formula

 

 

Naturally supports general health and well-being of the body
• Gut flora supporting prebiotics
• Ingredients help neutralize free radicals in the body
• Includes antioxidants, vitamins, minerals, and other food-based nutrients
• Pre-packaged sachets are convenient to take your vitamins on the go.

 

 

Probiotics Are Very Important

Prebiotic foods are high in special types of fiber that support digestive health.

They promote the increase of friendly bacteria in the gut, help with various digestive problems and even boost your immune system.

Prebiotic foods have also been shown to improve metabolic health.

Some food suggestions for natural Prebiotics: (There are many others. These are my favorites).

  • Garlic
  • Onions
  • Asparagus
  • Bananas
  • Apples
  • Cocoa
  • Flaxseeds (I blend them in a shake).
  • Seaweed

Some food suggestions for natural Probiotics: (Again some of my favorites, but there are many more examples).

Probiotics and prebiotics, from both foods and supplements, can have powerful positive effects on health.

What types of food do you enjoy that have the benefits of either probiotics or prebiotics? Please comment below to let us know.

 

When ordering essential oils or essential oil-infused products online or by phone:  enter in Enroller and Sponsor areas this number: 1085586
Phone Orders
1-800-371-3515 (toll-free Canada & US)
Monday–Saturday: 5:00 a.m. to 10:00 p.m. US MT

Questions?

If I invited you to this page or you just happened upon this page and have questions or want more information, you can Email me at DexterDBlack@comcast.net or call me at 717-467-5088. If someone else invited you, please get back to the person who sent you here for further ordering or informational questions.

You can also find me on facebook: https://www.facebook.com/WealthandRiches

May your days be filled with good health, good friends, good food, and most of all; much love,

dex-in-blue-background

Dexter D Black

* Disclosure Link http://dexterdblack.com/disclosures

 

 

 

 

 

 

Posted in Essential Oil Infused Products, Food | Tagged , , , , , , | Leave a comment