Friday, October 18, 2019

Getting Good Credit Scores

Advice from CreditKarma.
 Image result for credit score chart
  1. If you’re paring down your accounts, don’t close your oldest credit card — it’s what gives you a long credit history
  2. Sometimes credit cards will close an old account that never gets used. Use an old card now and then to prevent a potential score drop.
  3. When an older account (like mortgage or student loan) falls off your report, your score could drop since you’re losing the credit history that comes with that account.

Derogatory marks are good to avoid — they can stay on your report for 7-10 years.

If you have a collection

  1. Since debt collectors need to have proof that their info is accurate, you should dispute a collection if anything’s off.
  2. Know your rights — debt collectors can’t keep calling you.
  3. See if it’s worth negotiating your debt. If it’s old, you might just wait for it to fall off.

If you have a public record

  1. Public records like bankruptcies, civil judgements, and tax liens are harder to remove.
  2. If any info is wrong, get documentation and court records to build your case.
  3. Dispute with the credit bureaus to remove the public record.

What to know about Credit Cards

  1. Credit card use matters most for each individual card.
  2. The average use across all your cards is important, too.
  3. Try to stay under 30% (under 10% is even better!) — and remember, you don’t need to carry any credit card debt to build your credit.

How this gets calculated

  • Banks usually share your info with credit bureaus on the same day each month.
  • This isn’t the same day you pay your bill.
  • That means you could have paid your bill to $0, but a different number gets on your credit report.

What to know about late payments

  1. A single 30 or 60 day missed payment is easier to recover from, but can hurt your score significantly.
  2. A 90 day missed payment is more damaging and could disqualify you from certain loans.
  3. After 90 days, missed payments can become charge-offs and be sent to a collection agency.

How this gets calculated

  • This percentage follows a formula that includes all the possible payments you can make across all your reported accounts.
  • For example: If you had 120 possible payments in your credit history, but had 3 late payments in that time, the calculation would be: (120 - 3) / 120 = 97.5%
Lenders typically like to see that you've used a variety of accounts responsibly.

What to know

  1. Having different account types (like credit cards and loans) can help your credit.
  2. Don’t fret about an exact number or mix, since you’ll build these over time. The important thing is that you’re using accounts responsibly.
  3. If a mortgage, student loan or auto loan falls off your report, your score could drop since you’re losing a line of credit that’s given you a lot of credit history.
Minimize the number of credit inquiries on your report by NOT applying for new credit cards
Hard inquiries from things like credit applications can stay on your report for up to 2 years, but their effects tend to fade over time.

What to know

  1. Good news! It’s a temporary ding and scores usually bounce back in 3 months.
  2. Plan ahead and minimize your hard inquiries at least 9-12 months before trying to get a mortgage or big loan.

Wednesday, October 16, 2019

Deodorant versus Antipersperant

What is safer deodorant or antiperspirant?

More information about doTerra Natural Deodorant
The conclusion: Scent-masking deodorant is the safer choice. ... Deodorant fights odor by killing bacteria with alcohol, while antiperspirant does that and stops up your sweat glands temporarily with an aluminum compound.Jul 30, 2015

Are Antiperspirants Safe?

Antiperspirants: Should You Worry? In short: No. There is no real scientific evidence that aluminum or any of the other ingredients in these products pose any threat to human health. "These products can be used with high confidence of their safety.Jun 1, 2011

Is Aluminum in antiperspirants dangerous?

Aluminum-containing antiperspirants prevent toxins from being expelled by the body. These toxins clog up lymph nodes around the armpits and breasts and cause breast cancer. The aluminum in deodorants is absorbed by the skin. ... The risk is higher for women who apply deodorant after shaving.Jul 14, 2015
  • The debate goes on.  I have read information from both sides. Some say anti-antiperspirants are safe. They are regulated by the FHA. Others show studies that anti-antiperspirants combined with other toxins can possibly cause cancer and Alzheimer's. To be safe, I'm not going to use anti-antiperspirants. John Fisher, PhD

Does deodorant have antiperspirant?

Aluminium salts – the active ingredient found in antiperspirants – dissolve into the moisture on the skin's surface. ... An antiperspirant can also be a deodorant, because it can stop sweat and contain a fragrance at the same time. But deodorants only mask body odor; they don't help to prevent sweating.

Why is deodorant bad for you?

An antiperspirant or deodorant can also contain parabens -- a form of preservative that can be shown to mimic the activity of oestrogen in the body's cells. For years, theories and studies have hypothesised that exposure to either parabens or aluminium chloride can lead to an increased cancer risk.Oct 26, 2016

What's the best natural deodorant?

Best baking-soda deodorants
  • Soapwalla Deodorant Cream. ...
  • Schmidt's Lavender and Sage Natural Deodorant. ...
  • Schmidt's Rose and Vanilla Deodorant Stick. ...
  • Ursa Major Hoppin' Fresh Deodorant. ...
  • Agent Nateur Holi(man) No 5 Deodorant. ...
  • Arm & Hammer Essentials Natural Deodorant. ...
  • Oyin Handmade Funk Butter. ...
  • Routine Natural Deodorant.
Feb 27, 2019

Get more information about doTerra Natural Deodorant. Click here.

Sunday, July 07, 2019

Shopping in Croatia

Foreigners Beware

By John Fisher

Going to the open air market is always worthwhile, even if the experience is negative. I've shopped in markets in Kosovo, where I've been living for six months, and the experience has always been positive. I have never been taken advantage of. Rather I was always welcomed, maybe because Kosovars like Americans so much.

But, in Senj, Croatia, I feel I was cheated - because I was a foreigner. At the Saturday morning market, I was swindled at every stand except one. The merchants made a pretense of weighing the product, but then they added much more than it was worth. I know because I had already paid regular prices at the super market. A small melon was listed at 15 kuna per kilo. It weighed about 400 grams and the price I was charged was 15 kuna (about $2.25). 

I bought a single fig at one stand and paid 1 kuna (15 cents). Then at another stand my wife went to pick up two more figs. She gave an old lady a 20 kuna bill. (I'm seventy-one. Anyone who looks older than me is old). The lady gave back a 10 kuna bill and then I started arguing with her. I didn't speak Croatian; she didn't understand English, but she knew what I was talking about. She looked up in the sky and crossed herself with a look of disgust on her face. I thought, "Who is the patron saint of liars and thieves?" She gave me back 5 more kuna. Two figs ended up costing 75 cents.  

At one stall, my wife went back several times. The products were good, but I think she really liked the way she was treated by the woman. She sensed something different about this woman. That she was honest and fair. Her final purchase was a half dozen small potatoes. The merchant said, "Take those - they are my gift to you." She must have known how frustrated we were by the whole experience. 

Vegetables and fruits I would have paid five euros for in Kosovo cost three times as much in Croatia - 100 kuna or about $15.

A vegetable stand in Senj, Croatia

Indoor market in Senj
Clothes and flowers
The offending melon up front
Later we went to the hospital to visit a friend. She is 81 years old. We met her in Canada 30 years ago. On the way we walked under a fig tree along the public sidewalk. We picked our fill of figs and had more to take back to Pristina. I like dried figs. Fresh figs from the tree are many times sweeter and better.

Picking figs straight from a tree