From Bad Credit to Perfect Credit (VIDEO)

From Bad Credit to Perfect Credit (VIDEO)

credit score ratings

Listen to any Black comedian and  they'll joke that Black people have bad credit an white people have good credit, to the point that they have to trick family members to cosign to get their lights turned on.

While the jokes are funny, it highlights a real world thing, as comedy usually does. Poor people have a poor understanding of credit. Boom, ok, lesson is over. I'M JOKING. But, it's no joke, poor people have a poor understanding of credit.

In fact, what's really laughable, is how simple credit actually is, and to top it all off, how much it affects you.

Financial advisors will tell you, how perfect you have to be, to get a perfect credit score, but i'm here to tell you, with almost no income, you can have a perfect score. It's just a game, so let's play.

I'm about to tell you something none of the financial advisors will tell you. New creditors, don't care about old creditors. And, they forgive and forget. And, they're quick to do it.

What do creditors care about.

- you pay credit

- you pay on time

- you've paid debt for a long time

That's it.

Can you build credit with a bankruptcy or thousands in debt, bad credit? Yes. How? Make it look like you're a different person. Play the game and new creditors will literally assume, the old you, was just going through hard times.

In fact, they share info so much, they'll start offering you credit, if you switch up your credit habits.

How is the question, right?

Fake it.

What do i mean by fake it? Build credit, small scale, and they'll read into it, like you've done something big. The credit unions will report how wonderful you are with $20.

Let's start from the beginning.

No matter where you are financially right now, start small and build.

Get a secured credit card. You fork over $50 - $200 and they give you a credit card... not debit card, with a limit of how much you gave them. Here's what you do, put your cell phone bill on that credit card, on automatic pay. Something small, that you KNOW you will pay, every month. Then every month, on or before the due date, pay off that credit card.

I had a t-mobile phone, and my bill was $50 monthly. 6 months later, i got my deposit back on the secured card. 6 months after that, i got my credit limit raised. a year after that, it was raised again, to $1,000.

That's not that big of a deal, $1,000, but it made my credit score jump up. Because 2 things happened. I now had credit history, I had proof of payments, and my debt to credit ratio fell off a cliff. I went from owing $50 each month, compared to $100 credit limit, to $200, then $1,000. So at the end the $50 to $1,000 made me look like dadddy warbucks. 10 cool points if you comment who that is.

Here's part 2 of the game, because you just finished all 3 things I said creditors want. After you get your deposit back, now start opening up new credit cards. If someone offers you a card, with no annual fee, TAKE IT. More credit, means that debt to credit ratio will help it fall off a cliff even more.

Then, you can start getting sophisticated.

- open up a bank account and take out a loan, for $1,000. They know you can pay it off with your credit card. This gives you even more credit history.

- work your way up to an american express card, and repeat the putting your cell phone on it, and paying it off. Those you have to pay off each month.

So if we're keeping track at home, a year later, we have about 5 credit cards, a bank loan, we're pay on monthly, an american express card we have our cell phone on, we pay off monthly.  In 15 years you'll have a perfect credit score. I'm JOKING, it'll take about a year to 2 years. tops.

Right about now, you might be wondering, what can you do with a perfect credit score 

- refinance your house for white people mortgage rates

- refinance your car

- apply for government grants

- open up a business, with a business loan, with your perfect credit score

- get store credit cards

- get big box do it yourself tools and supplies credit cards at a contractor rate

A perfect score pops the cap off a lot of things in life, and you can do this, even if you have bad credit on your record. Now the experts will tell you to pay those off, but if you're at the 4 yr mark, and this what i'm telling you is going to take 2 years, that's 6 years, go ahead and ignore it. BUT if it's relatively brand new, when you get all those credit cards, call up the companies and ask to reduce it, like 10 cents on the dollar, So a $1,000 debt, you ask if they'll take $100. They will. Because by the time you're calling, it's a debt collecting company. They're happy to get anything. They paid probably 50 cents to take your debt. It's all profit for them.

And, that's no joke.

Any questions?

6 Vitamins that fight any virus

6 vitamins that fight any virus

These are the 6 vitamins that fight any virus and gets rid of it.

1. Probiotics

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The Food and Agriculture Organization of the United Nations and WHO defines probiotics as “live microorganisms that, when administered in adequate amounts, confer a health benefit on the host.”

Essentially, probiotics are foods or supplements comprised of live bacterial or yeast cultures that help to reduce the number of “bad” gut bacteria that cause illness or inflammation, while also replacing those bad bacteria with “good” or “friendly” bacteria. By doing so, probiotics help to balance the gut microbiome, which improves not only digestion but immunity as well. Prime examples of probiotic foods include yogurt, kimchi, kombucha, and sauerkraut, but if none of these are to your liking, probiotics are also available in supplement form.

2. Zinc

Elderberry Zinc Lozenges

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Zinc is a powerful micronutrient most commonly found in proteins. Lean meats, poultry, and shellfish are particularly rich in zinc, but milk, whole grains, beans, seeds, and nuts are good sources, too. Zinc has been shown to be essential in neurocognitive health, wound and scar healing, and immune system defense against invading bacteria and viruses.

According to the NIH, “The body’s immune system needs zinc to do its job. Older people and children in developing countries who have low levels of zinc might have a higher risk of getting pneumonia and other infections.”

The agency added: “Some studies suggest that zinc lozenges or syrup (but not zinc dietary supplements in pill form) help speed recovery from the common cold and reduce its symptoms if taken within 24 hours of coming down with a cold. However, more study is needed to determine the best dose and form of zinc, as well as how long it should be taken before zinc can be recommended as a treatment for the common cold.”

3. Protein

Whey Protein Powder

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Protein deficiency can lead to poor immunity because antibodies and immune system cells not only rely on protein to help facilitate the repair of body tissue, but to fight off viral and bacterial infections as well.

Time and again, researchers have shown an association between low-protein diets and reduced immune system response. In one preclinical study, for instance, one-third of adult hamsters that were fed a low-protein diet and infected with Leishmania infantum, “had severe visceral leishmaniasis compared to only 8% of animals fed the standard diet.”

“It is well accepted that protein calorie malnutrition impairs host immunity with particular detrimental effects on the T-cell system, resulting in increased opportunistic infection and increased morbidity and mortality in hospitalized patients,” wrote University of Pennsylvania School of Medicine researchers in one Critical Care Medicine publication.

4. Vitamin A

Vitamin A 25,000 IU

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Vitamin A is one of the most important nutrients for a healthy immune system. You probably know that it supports vision through its precursor beta-carotene, but you may not know of its even greater role in strengthening and regulating the body’s largest organ: the skin.

Perhaps these authors put it best: “Vitamin A (VitA) is a micronutrient that is crucial for maintaining vision, promoting growth and development, and protecting epithelium and mucus integrity in the body. VitA is known as an anti-inflammation vitamin because of its critical role in enhancing immune function. VitA is involved in the development of the immune system and plays regulatory roles in cellular immune responses and humoral immune processes. VitA has demonstrated a therapeutic effect in the treatment of various infectious diseases.”

5. Vitamin C

Vitamin C with Rose Hips 1000 mg

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When people think of nutrients that play a role in immune health, vitamin C is probably one of the first—if not the first—to come to mind. This probably goes back to our early school days when we learned that sailors cured scurvy by eating vitamin-C rich citrus fruits, namely oranges, lemons, and grapefruit.

Looking at this on a deeper, more scientific level, vitamin C promotes the formation of antibodies that bind to and destroy dangerous toxins, bacteria, and viruses in our bodies before they can wreak havoc. Vitamin C also promotes wound healing by stimulating the production of collagen.

“Vitamin C contributes to immune defense by supporting various cellular functions of both the innate and adaptive immune system. Vitamin C supports epithelial barrier function against pathogens... Vitamin C accumulates in phagocytic cells, such as neutrophils, and can enhance chemotaxis, phagocytosis, generation of reactive oxygen species, and ultimately microbial killing. It is also needed for apoptosis and clearance of the spent neutrophils from sites of infection by macrophages…Vitamin C deficiency results in impaired immunity and higher susceptibility to infections… Furthermore, supplementation with vitamin C appears to be able to both prevent and treat respiratory and systemic infections,” wrote the authors of one article published in Nutrients.

Furthermore, with respect to the common cold, the NIH notes that “[a]lthough vitamin C has long been a popular remedy for the common cold, research shows that for most people, vitamin C supplements do not reduce the risk of getting the common cold. However, people who take vitamin C supplements regularly might have slightly shorter colds or somewhat milder symptoms... Using vitamin C supplements after cold symptoms start does not appear to be helpful.”

6.Vitamin E   

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Vitamin E is generally found in whole grains, seeds like sunflower seeds, nuts, and vegetable oils, and works in conjunction with vitamin C to fortify healthy cells for increased pathogen resistance.

Concluded the authors of one study: “Vitamin E has been shown to enhance immune responses in animal and human models and to confer protection against several infectious diseases… Several considerations are warranted for the advancement in our understanding of vitamin E’s role in immunity. For in vitro studies to support implications for the regulation of immunological diseases, the physiological relevance of vitamin E levels used for treatment should be considered. Different forms of vitamin E exert differential effects on immune cells. Cell-specific effects of vitamin E provide valuable evidence regarding the immunomodulatory mechanisms of vitamin E, but the interplay between immune cells should not be ignored, because interactions between immune cells are critical in the regulation of immune function.”

For vitamin E you apply it directly to the skin. You do this in the evening, AFTER sundown. The sun oxidizes these particular vitamins on the skin, so applying in the evening maximizes the absorption and effect of the vitamin.

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