Monday, March 09, 2020

dōTERRA recommendations for COVID-19

Given the dynamic nature of the situation with COVID-19 around the world, dōTERRA is advising people to adhere to the guidance offered by public health agencies in their region. This may include basic precautions or significant restrictions on travel or public gatherings. 
  
How to combat viruses

To help manage any concerns and reduce transmission of respiratory viruses, including COVID-19, in your area, Dr. Russell Osguthorpe, chief medical officer of doTerra, recommends that everyone follow these evidence-based procedures.
  • Wash your hands with soap and water for at least 20 seconds. If soap and water are not readily available, an alcohol-based hand sanitizer with at least 60% alcohol, including dōTERRA’s On Guard Sanitizing Mist—which contains 64% alcohol, can be used.
  • Stay home when sick, except to get medical care
  • Cover your coughs and sneezes.
  • Avoid touching your eyes, nose, and mouth.
  • Clean frequently touched surfaces and objects often.
  • Face masks are not recommended for people who are well. However, if you show symptoms of COVID-19 or another respiratory disease, then you should wear a mask.

What you should know about COVID-19

The virus is thought to spread mainly from person-to-person.
  • Between people who are in close contact with one another (within about 6 feet).
  • Through respiratory droplets produced when an infected person coughs or sneezes. These droplets can land in the mouths or noses of people who are nearby, or possibly be inhaled into the lungs.
  • It may be possible that a person can get COVID-19 by touching a surface or object that has the virus on it and then touching their own mouth, nose, or eyes. However, this is not thought to be the main way the virus spreads.
Most people who contract COVID-19 are thought to be mildly symptomatic or asymptomatic (showing no symptoms). These include:
  • Fever
  • Cough
  • Shortness of breath

Product Availability

dōTERRA CEO David Stirling indicated that the company has seen a dramatic spike in sales of their On Guard family of products. The demand for dōTERRA’s On Guard Sanitizing Mist has increased by over 400% in most markets in recent weeks. The company is quadrupling its supplies of this product in the coming weeks. He said they are working around the clock to stay in stock for all of these products. In the interim there may be some occasional short term stock outs of this and a few other high demand products. Because of their long-term strategic planning with their global network of growers they have stocked more than a year’s supply of most of our essential oils. They don’t expect any significant outages for the On Guard essential oil blend or other essential oils that are in unusually great demand.
Stirling said dōTERRA is restricted on the health claims that can be made about their products. He said they recognize essential oils have profound health and wellness benefits, but they do not claim that their products prevent, treat or cure illnesses or diseases, including COVID-19. 
 
"While there seems like a lot to worry about, there are many reasons to be optimistic," Stirling said.
  • The COVID-19 virus is thought to be very similar to other respiratory viruses like influenza or RSV, and is mild in most people who get it.
  • Children seem particularly protected from severe COVID-19 disease.
  • There has been extraordinary cooperation in the global sharing of clinical data and research.
"Be assured that your health and well-being is imperative to us," he said.
For more information about dōTERRA products, click on my.doTerra.com/mjfisher.

Saturday, November 23, 2019

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.