- The Facts:This article was written by Lyn Redwood, R.N, M.S.N., President of Children’s Health Defense. Posted here with permission.
- Reflect On:Why is this type of information virtually ignored by mainstream media and medicine? What’s going on here? Why is gardasil marketed as completely safe and necessary when clearly, that doesn’t seem to be the case?
On Wednesday January 9th, I attended Science Day Presentations in the Jennifer Robi vs. Merck and Kaiser Permanente case in Los Angeles Superior Court. I want to report to our community on the outcome of this important event and provide some personal commentary.
It is difficult to describe the feelings of elation and frustration that I experienced during the full day of furious arguments that began at 9:30 am before Judge Maren Nelson. Due to the restrictions of the National Childhood Vaccine Injury Act, my son and thousands of children like him, have never been able to have their injuries acknowledged in a court of law. This day gave families around the globe whose children’s health was permanently harmed by the HPV vaccine a glimmer of hope that their injuries and suffering would finally be acknowledged. The frustration I felt came from the obvious fact that the science relied on by our federal agencies to approve the HPV vaccine was criminally inadequate and that Jennifer’s injuries and those of the thousands of others like her could have been prevented.
Prior to Science Day, plaintiffs’ attorneys worried that because Judge Nelson threw out a $472 million 2017 jury verdict against Johnson & Johnson for causing ovarian cancer in women exposed to its asbestos-containing baby powders, the Court might not be very receptive to their arguments here. However, Judge Nelson gave scrupulous attention to the science presentations by both sides and clearly seemed to be approaching the Robi case with an open mind.
A red-letter day
After 20 years of advocating for vaccine safety, this was the first time that I’ve watched vaccine science issues adjudicated in a true court of law. It was truly a red-letter day. Jennifer’s lawyers brilliantly laid bare Merck’s anemic case for Gardasil, dissecting the science in withering presentations challenging both the efficacy and safety of the Gardasil vaccine, and then chronicling the horrifying agency and corporate corruption that lead to its approval.
Jennifer Robi is a 24-year-old former athlete and scholar who has been confined to a wheelchair since receiving her third Gardasil vaccines at age sixteen. She suffers continual uncontrolled neuro/muscular contractions (jerking) and postural orthostatic tachycardia syndrome (POTS) and many other symptoms of systemic autoimmune dysregulation.
Jennifer’s attorney, Sol Ajalat, initially brought her case in Vaccine Injury Compensation Program and then, following a judgment in the program, elected to proceed in civil court. Since VICA (the Vaccine Injury Compensation Act) forbids recoveries for product defect or negligence, Ajalat brought Jennifer’s civil case under the theories that Merck committed fraud during its clinical trials and then failed to warn Jennifer (and, by implication, other injured girls) about the high risks and meager benefits of the vaccine.
In order to support Sol Ajalat and his sons Greg, Larry, and Steve, who compose the Los Angeles firm Ajalat & Ajalat, a blue ribbon A-Team of the nation’s leading plaintiffs’ law firms have joined Jennifer’s trial team. These include the firms most feared by Pharma: Weitz & Luxenberg (countless major pieces of litigation over 30 years), Morgan & Morgan (Vioxx, Phenphen, Breast Implants, Tobacco), Baum Hedlund, (Monsanto $289 million verdict 2018 and the $54 million 2000 verdict against Bayer in Haemophiliac/AIDS case) as well as Children’s Health Defense’s own Robert F. Kennedy, Jr. and Kim Mack Rosenberg (a co-author of The HPV Vaccine on Trial). The plaintiff’s bar has steered clear of vaccine lawsuits since the 2008 Thimerosal fiasco which nearly bankrupted several big firms. Now, Merck, through its reckless overreaching with Gardasil—a public health flimflam currently emerging as the most dangerous vaccine in history—has brought the nation’s leading trial lawyers back to the brawl.
The three Merck attorneys who made presentations were Dino Sangiamo, Sally Bryan, and Christina Gaarder. Jo Lyn Valoff represented Kaiser.
Among vaccinologists, it’s axiomatic that duration of immunity correlates directly to the toxicity of the adjuvant: the more toxic the adjuvant, the longer the duration of immunity.
Gardasil’s super-powered aluminum adjuvant
Plaintiffs began the day with a 2.5 hour presentation. Sol Ajalat first introduced Paul Pennock of Weitz & Luxenberg. Pennock ran through a riveting 50-minute slide show demonstrating how Gardasil’s super-powered Amorphous Aluminum Hydroxyphosphate Sulfate (AAHS) adjuvant over-stimulated the immune systems of vaccine recipients tipping them into autoimmune conditions in which their redlining immune defenses begin attacking their bodies’ own organs. This “autoimmune process” causes a cascade of illnesses that, in Jennifer Robi’s case, resulted in damage and deterioration in diverse organ systems throughout her body.
Victims like Jennifer are left exhausted as the body fights off disease on multiple fronts. Pennock explained that vaccine makers add aluminum adjuvants (to weak antigens and a long list of other potentially toxic ingredients) to elicit an immune response, hoping to extend the short-term immunity otherwise provided by most vaccines. Among vaccinologists, it’s axiomatic that the duration of immunity correlates directly to the toxicity of the adjuvant; the more toxic the adjuvant, the longer the duration of immunity. Most vaccines provide immunity for only 5-10 years. Gardasil’s promoters were promising lifelong protection, and needed a super toxic adjuvant that would provide this unprecedented level of protection. After all, Merck was promising regulators, pediatricians and the public that inoculations given to 9-12-year-old girls would provide immunity against a relatively rare cancer that typically doesn’t kill until age 58!
Pennock explained that Merck has refused to disclose the contents of AAHS or to provide samples to independent and university scientists for testing. AAHS, astonishingly, has never been safety tested by government regulators or by Merck. Studies on animals conducted by world renowned independent scientists like Dr. Chris Exley, Dr. Yehuda Shoenfeld, Dr. Chris Shaw and others have found that mice and sheep exposed to aluminum adjuvants, at concentrations comparable to those found in vaccines, develop strange behavioral patterns and illnesses resembling autoimmune diseases.
Using a poisonous placebo in the control group allowed Merck to mask the cascade of injuries suffered by girls in the Gardasil group during the clinical trials.
A parade of deceptive canards
Robert F. Kennedy, Jr. next gave the court an explosive 50-minute presentation of 112 disturbing slides describing the parade of deceptive canards that composed Merck’s clinical trials. Kennedy described a series of fraudulent gimmicks employed by Merck to deceive regulators during the clinical trials including the use of a “spiked” extremely toxic AAHS placebo rather than a true inert placebo that is standard for control groups in blue ribbon safety studies for other pharmaceutical products. Using a poisonous placebo in the control group allowed Merck to mask the cascade of injuries suffered by girls in the Gardasil group during the clinical trials. Half the girls in the Gardasil group and half the girls in the spiked placebo group suffered serious injuries, including several deaths, in the first seven months of the clinical trials, yet Merck was able to claim that reactions in the study group “were similar to the reactions in the placebo group,” and that, therefore, the vaccine was safe. Merck reported most of these serious injuries as “new medical conditions” not adverse events, dismissing any connection to the vaccine by fiat. Information about this parade of grave injuries appears nowhere in the Gardasil package insert.
Merck committed its boldest fraud in its key clinical trial, Protocol 18. Merck told FDA that Protocol 18 was the single study in which its researchers gave the control group a true inert placebo. For this reason, FDA declared Protocol 18 “of special interest.” However, in reality, Merck appears to have taken the precaution of removing half the aluminum from the vaccines administered to this study group. Plus, The Company laced the “placebo” with a witches’ brew of other toxic chemicals. This study, the only “controlled” study that included children in the target cohort of 9-12-year olds, may not have in fact tested the vaccine that Merck went on to inject into millions of young children around the world. Kennedy told the judge that this is not just scientific malpractice, it is outright fraud!
Merck’s control groups did not reflect the target population for its drug
Another tactic utilized by Merck was to purge the study group of anyone with the slightest vulnerabilities to the vaccine or its ingredients despite the fact that the vaccine would ultimately be marketed to girls with the very vulnerabilities excluded during the clinical trials. This precaution allowed the company to mask effects that occur only in vulnerable subgroups. Mr. Kennedy drew laughter from the large court room audience when he described how Merck had prescreened the study subjects to exclude people with allergies, immunological or nervous disorders, more than 4 lifetime sexual partners, genetic vulnerabilities to cancer or to any other medical condition, or with any hint of general infection, a history of alcohol or drug abuse, or a serious or chronic illnesses, and so forth. Finally, Merck told its researchers to exclude any individual with “any condition which in the opinion of the researchers might interfere with the study objective.” The remaining participants were an elite club of super healthy individuals. “You couldn’t get into the clinical trials unless you were a superhero,” Kennedy told Judge Nelson. “You had to be eligible for the Avengers.” The problem, of course, is that none of the people receiving the vaccine under CDC’s mandate are screened for these vulnerabilities. In other words, Merck’s control groups did not reflect the target population for its drug.
The mayhem caused by Gardasil
Even these flimflams could not conceal the mayhem caused by Gardasil. Kennedy showed the court data from Merck’s own package insert showing that 2.3 % of the girls receiving the vaccine complained of symptoms of autoimmune disease within 7 months. Since cervical cancer kills only 1.5 Americans in every 100,000, he noted, “Merck’s own data show that the chances of getting an autoimmune disease from this vaccine are 1000 times the risk of dying from cervical cancer.”
Merck’s own data showed that administering the Gardasil vaccine to girls who had previous exposure to HPV actually raised their risk of developing precancerous lesions (or worse) by almost 45%
Not only did a heartbreaking 50% of the subjects in both the study group and the spiked placebo group experience a serious adverse event within the seven months of the trial, death rates among girls in the study were double background rates. In fact, the rate for girls during the clinical trials (85/100,000) was 37 times the death rate from cervical cancer! Birth defects among children conceived during the study period were 5x those of the control group and miscarriages were doubled over background rates. Reproductive problems among vaccinated girls were 10x background rates. Finally, Merck’s own data showed that administering the Gardasil vaccine to girls who had previous exposure to HPV actually raised their risk of developing precancerous lesions (or worse) by almost 45%. This revelation is particularly frightening since sexual behavior is only one of many vectors for acquiring HPV. Many children are exposed in the birth canal. Kennedy cited numerous studies showing many very young children are exposed to HPV, including one in which upwards of 34% of girls had exposure to HPV prior to age 10.
Kennedy closed his powerful presentation by chronicling the parade of corrupt conflicts that caused HHS officials to turn a blind eye to the rife fraud that characterized the clinical trials. Merck loaded the two FDA and CDC panels that approved Gardasil, with paid toadies. He showed that the pharmaceutical industry actually pays 45% of FDA’s annual budget and that NIH and its officials own part of the patents to the Gardasil vaccine and collect royalties on every vaccine sold. NIH collects tens of millions of dollars annually from Gardasil sales. Finally, 45% of CDC’s budget goes to promoting and purchasing vaccines. Merck exerts control over the CDC with millions of dollars in contributions to the CDC foundation, which allows funding for pet projects. This level of support gives Merck the power to also punish the CDC by withholding funding if displeased by the agency.
Jennifer’s illness due to Gardasil
Nicole Maldonado of Baum Hedlund next described the onset of Jennifer’s illness which worsened with each stage of the three vaccine series and how her symptoms were identical to the symptoms seen among hundreds of injured women during the clinical trials around the world, in places as diverse as Japan, Australia, Colombia, and Denmark (where special clinics have been set up to treat Gardasil’s victims), as well as among many girls here in the United States. These symptoms included menstrual irregularities, gastrointestinal dysfunction, musculoskeletal pain, neurological conditions and even death.
One courtroom observer, a concerned mother identifying herself as Rachel Harris said she felt sick to her stomach at the revelations. Jennifer Robi’s mom told me that she felt elated that Mr. Kennedy had mastered the facts so completely and that their family’s story was finally being told.
Merck’s AAHS adjuvant was safe because of the small quantities of this known neurotoxin in each vaccine. She told the judge that ‘the dose makes the poison,’ and that even water in large enough doses can be toxic
The Defendants’ three-hour rebuttal was mainly toothless. Sangiamo doggedly described six studies, that he claimed were relied upon by the plaintiff, that had been retracted. However, only one of those studies was even mentioned on the plaintiff’s lengthy exhibit list (Plaintiff’s attorneys never referred to it in their briefs) and that study was republished elsewhere after the original journal retracted it under pressure from its pharmaceutical advertisers.
Sangiamo argued that the plaintiff had relied on case studies rather than large scale epidemiological studies of the kind largely funded by industry or the NIH which owns the Gardasil patent and profits on every injection sold. He cited five of those NIH and industry-authored epidemiological studies that found no causal relationship between Gardasil and autoimmune diseases. All are plagued by fatal defects such as only looking for a very limited number of potential injuries for a short period of time following exposure to the vaccine, despite the fact that autoimmune diseases can take months or years to manifest. The authors of these studies had financial ties to Merck.
Finally, Merck’s Sally Bryan rose to the podium to explain to Judge Nelson that Merck’s AAHS adjuvant was safe because of the small quantities of this known neurotoxin in each vaccine. She told the judge that “the dose makes the poison,” and that even water in large enough doses can be toxic. She pointed out that there are only 225 micrograms of aluminum in each vaccine. To illustrate how small this is, she asked Judge Nelson to imagine a dollar bill – which weighs one gram – cut into 1 million tiny pieces. She pointed out that only 225 of these pieces would be in any Gardasil vaccine, far too little to cause any adverse outcome. So in one breath, Merck was telling Judge Nelson that the amount of aluminum in Gardasil was substantial enough to permanently alter a person’s immune system to prevent cancer for the next half century and, at the same time, small enough to cause no harm.
The path forward
At the end of a long day, Judge Nelson ordered both sides to work out a discovery schedule and to reappear in court on February 7 to resolve any differences.
In Merck’s zealous promotion of the Gardasil vaccine, the company and its allies have shamed parents into vaccinating their children, through a series of misleading ad campaigns which play on parental instincts to protect their children from harm, especially from a disease as frightening as cancer. One commercial depicts young girl and boy actors recounting how they developed cancer from HPV and asking their parents if they knew this could have been prevented. “Did you know – Mom and Dad?” Jennifer Robi has had the courage to tell a real-life story that the public rarely hears – about the risks of the Gardasil vaccine itself.
Watch RFK, Jr. describe his plan to take this issue to the courts
RFK, Jr. (from the video): “We’re going to fight this battle for you. We’re going to take it to the streets. We’re going to take it to Congress. We’re going to take it to the regulatory agencies. We’re going to force the press to start covering this issue honestly for the first time, and allowing this debate to take place. And above all, we’re going to take it to the court room, and we’re going to win these cases. We’re going to find justice for you, for your families and for our country at last. If we’re going to do this effectively, we need your support.” www.childrenshealthdefense.org/donate
Research Reveals How Sugar CAUSES Cancer
- The Facts:This article was written by Sayer Ji, Founder of Greenmedinfo.com where it first originally appeared. Posted here with permission.
- Reflect On:The average American consumes their body weight annually in this cancer-causing substance, and yet hospitals freely feed it to their cancer patients, seemingly oblivious to the harm it does.
Hospitals feed cancer patients sugar and high carbohydrate diets for a simple reason: they are abysmally ignorant of the role of nutrition in health and disease — hence their burgeoning growth, packed rooms, and ‘return customers.’
Even though the science itself shows – at least since the mid-20’s with Otto Warburg’s cancer hypothesis — that tumors prefer to utilize sugar fermentation to produce energy rather than the much more efficient oxygen-based phosphorylation* – hospitals have actually invited corporations like McDonald’s to move into their facilities to ‘enhance’ their patient’s gustatory experience, presumably to provide comfort and take the edge off of the painful surgery, radiation and chemo treatments erroneously proffered to them as the only reasonable ‘standard of care.’
But the times are changing, with new research requiring these medical institutions to reform their dietary strategies, at least if they wish to claim that their interventions are in fact ‘evidence-based,’ as they so often claim.
Study Reveals Sugar Doesn’t Just Feed But Causes Cancer
A groundbreaking study, uncovered by one of our volunteer researchers at Greenmedinfo, is the first of its kind to identify sugar, not only as fuel source for an already existing cancer, but as a primary driver in oncogenesis – i.e. the initiation of cancerous characteristics (phenotype) within previously healthy cells.
Published in the Journal of Clinical Investigation and titled, Increased sugar uptake promotes oncogenesis via EPAC/RAP1 and O-GlcNAc pathways, researchers addressed a common perception (or misperception) in the cancer research community regarding sugar’s relationship to cancer: namely, “increased glycolysis [sugar based metabolism] is frequently viewed as a consequence of oncogenic events that drive malignant cell growth and survival.”
Contrary to this conventional view, the new study “provide[s] evidence that increased glycolytic activation itself can be an oncogenic event.” That is to say, the activation of sugar-based metabolism in a cell – driven by both the presence of increased quantities of glucose and the increase glucose receptors on the cell membrane surface (i.e. “overexpression of a glucose transporter”) – drives cancer initiation.
Moreover, the study found that “Conversely, forced reduction of glucose uptake by breast cancer cells led to phenotypic reversion.” In other words, interfering with sugar availability and uptake to the cell causes the cancer cell to REGRESS towards its pre-cancer structure-function (phenotype).
What Are The Implications of This Research to the Diet?
What this new research indicates is that sugar – of which Americans consume an astounding 160 lbs annually (imagine: 31 five-pound bags for each of us!) – is one of the primary causes of metabolic cell changes in the body consistent with the initiation and promotion of cancer. And, the research indicates that removing it from the diet, and depriving the cells of it, could REVERSE cancer. Why is this so surprising? It’s because Americans have been lead like lambs to the slaughter to think of “prevention” as “early detection,” focusing not on identifying and removing the well known nutritional and environmental causes of cancer, rather, to spend their time, energy, and money on cause-marketing campaigns focused on “finding a cure” — as if one didn’t already exist right in front of our noses, or more aptly, on the end of our forks.
Hidden Sugar, Crouching Cancer
It has been estimated by the USDA that the average American consumes 200 lbs of grain products annually. Why is this relevant to the question of sugar in the diet? Because refined carbohydrate products – e.g. crackers, bread, pasta, cereal – are actually ‘hidden’ forms of sugar. In fact, puffed rice causes your blood to become sweeter (and presumably feeds more cancer cells sugar) than white sugar, as it is higher on the glycemic index. Adding the two figures together – annual per capita consumption of sugar and grain-based products – we get a jaw dropping 360 lbs of sugar (both overt (table sugar/high fructose corn syrup) and covert (grain carbs) annually – all of which may contribute to promoting the ideal metabolic situation of cancer cells: aerobic glycolysis.
This is one reason why the ketogenic diet – that is, a fat- and protein-focused diet devoid of carbohydrate, both in simple (sugar) and complex (grain product) form – has been found so useful in the most aggressive of cancers: including brain cancer. Once you ‘pull the rug out’ from under the sugar/carb-craving cancer cells, they are forced to either undergo programmed cell death (apoptosis) or re-differentiate back into non-cancerous phenotypes.
If It’s So Bad For Us, Why Do We Eat So Much?
One of the primary reasons why we eat sugar and carbohydrate rich diets is because they are addictive. Within minutes of consuming sugar/carbs our body goes through a neuroendocrine roller coaster. Your brain can not survive very long without glucose, the fundamental energy unit of the cell, and will ‘freak out’ if deprived of a steady stream of this ‘nutrient’ within only 2-3 minutes. The endocrine system, on the other hand, perceives the danger of high sugar – namely, glycation associated damage to protein and lipid structures within the cells of our body; think: blood caramelizing, getting sticky, and gumming up the finely tuned works – and will release hormones such as insulin, adrenaline and cortisol, in order to try to get the elevated sugar in the blood and tissues under control. Insulin forces the sugar into storage within the cell, both as glycogen and as fat, but often does its job too well, causing available glucose levels in the brain to be depleted – setting off a vicious cycle of ’emergency signals’ telling the body to release more cortisol and adrenaline to increase the levels of glucose in the blood. This, of course, will result in additional insulin production and release, causing the same cycle to be repeated over and over again.
This seemingly endless vicious cycle is responsible for the insatiable cravings a high carb/sugar diet generates – not to mention the fructose-based hedonic effects generated in the brain that modulate both opioid and dopamine receptors in the nervous system (not unlike alcohol), and the pharmacologically active peptides in many gluten-containing grains, which also drive addictive behaviors and an almost psychotic fixation on getting carbs at each meal.
No wonder we have an epidemic of cancer in a world where the Westernized diet prevails. Certainly, we do not mean to indicate that a sugar/carb-rich diet is the only cause of cancer. There are many other factors that contribute to cancer initiation and promotion, such as:
- Chemical exposure
- Radiation exposure
- Chronic stress that suppresses the immune system
- Vaccines containing hidden retroviruses and cancer causing viruses
- Natural infection with bacteria and viruses that are cancer causing
- Lack of sleep
- Insufficient nutrients (lack of methyl donors such as B12, folate, and B6 will prevent the body from ‘turning off’ (methylating) cancer-promoting genes
Even though cancer is a complex, multi-factorial phenomena, with variables we can not always control, one thing we can do is control what goes into our mouth. Sugar, for instance, does not belong there if we truly want to prevent and/or treat cancer. And don’t forget, carbohydrates that don’t taste sweet on the front end – bread, crackers, cereal – certainly convert to sugar in the body within minutes post-consumption.
In a nutshell, if you are concerned about cancer, have cancer, or would like to prevent recurrence, removing sugar and excess carbohydrates is a must. Not only is it common sense, but it is now validated by experimental research.
Note: another recent study found that Candida albicans (yeast) also contributes to cancer initiation and promotion. C. albicans thrives on sugar, lending additional support to the notion that sugar (consumed excessively) may be a primary driver of the cancer epidemic in those consuming the modern Western diet. For information on sugar alternatives that are not synthetic toxicants like Splenda (sucralose), read my latest article on the topic: 4 Sugar Alternatives That Won’t Poison You.
*Note: Cancer cells prefer to ferment sugar as a form of energy even when there is sufficient oxygen available to the cells to do so; hence Warburg’s description of cancer metabolism as ‘aerobic glycolysis’ or the so-called ‘Warburg effect’
Originally published: 2017-12-04
Article udpated: 2019-07-19
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Link to the original article
Everyone is Broke But YOU Don’t Have to Be a Debt Slave Any Longer
Look around in this fancy land called the U.S. and you’ll get the impression that people are just rolling in dough. They got fabulous new cars, expensive houses loaded up with imported goods, the latest smart phones, designer wardrobes, and they’re never about to turn down a good time.
But it’s all an illusion. It’s fake.
In reality, 80% of Americans are in debt and living paycheck to paycheck. Which means most of us are broke, and almost nobody owns anything at all. All that great stuff you see all around isn’t true prosperity, it’s owned by banks and it all serves as chains in a modern form of slavery.
Americans owe over $1 trillion on just their cars, another $1 trillion in household credit card debt, $1.5 trillion in federally insured student loan debt, $8.8 trillion in mortgage debt, and all the while 40% of U.S. households are paying down medical debt. To add insult to all this injury, the national debt is now over $22 trillion, and growing 36% faster than the economy.
Debt slavery is the new normal, and it’s no accident.
We’re part of an economic and monetary system built on debt, and our culture has been warped by decades of scientifically minded marketing, advertising and consumer programming, and our cities and communities have been designed and organized for shopping, not for sharing and communing. Strip malls and big box stores have replaced the town square.
It is what it is, and it’s not going away any time soon, but the personal consequences of chronically being in debt are severe.
There’s the stress and worry of it all, and what that does to your health. There are the lost dreams and wishes unfulfilled. The exorbitant and crushing bank fees, penalties, and high interest rates, backed up by collections agencies and organized harassment. The damage it does to marriages and the broken homes, and perhaps most insidious, there’s the spiritual malaise of being a slave.
But you can escape. Anyone can. I mean, to be honest, you’re not going to escape the disaster of government debt, because as individuals we have no control over what the lunatics and crooks in government do. That’s another conversation, but you don’t have to tolerate a life as a slave to personal debt. You don’t have to live forever with student loans, car payments and mountains of credit card debt.
What’s at stake here is you freedom. That is, the quality of your life in the short time you get to be alive here on earth.
Financial literacy is not something most of us learn in school, and so very few of us have had positive examples of this in our lives, but there is a system to get out of debt that works very well, and there is a network of support that can teach you how, get you inspired, and keep you motivated as you walk your own path to freedom.
Having found myself in deeply debt a couple of times in life, and then working my way to being 100% debt free, I can tell you that there is really no feeling quite as joyful as being free.
The method I have found that works the best to achieve this is referred to as the ‘debt snowball’ and is outlined in the book, The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey. I was about to spell it out for you when I found an exceptional breakdown of it by Daisy Luther of the excellent blog, The Organic Prepper. Check it out, as it is the quickest way to get yourself out of debt.
Dave recommends something called “the Snowball Method” for repaying debt quickly. Imagine a snowball at the top of a hill. As you roll the snowball, you pick up more snow, and the snowball gets bigger. By the time it’s at the bottom of the hill, it’s huge. You can do the same thing with debt by paying off the smallest bill first, then applying what you’d normally pay on that lowest bill to the next bill. Continue adding the minimum payment for each paid-off bill to the next largest one until all of your debt is repaid.
This method assumes you have enough money coming in to make your basic payments, plus a little bit extra. If you’re in a situation in which you truly do not have enough money to pay your bills, this article will be more appropriate.
I have personally used this technique to attack debt, with a few tweaks of my own.
Here’s a more detailed explanation of how the Snowball Method works.
1.) Write down every penny you owe. This is tough love, and it’s painful, but go through all your bills and write down your totals. Most people find that the total is higher than they expected. The good news is, if you are truly committed to paying off your debt, this is the highest that it will be.
2.) Organize the bills from smallest to largest amounts. This may not seem like it makes much sense, but trust me…there’s a method to the madness here.
3.) Write another list of the minimum payments for each bill. This is your baseline of payments each month. For the sake of ease, let’s say there are ten bills with a total of $750 in monthly minimum payments.
4.) Now, figure out the rest of your budget. Once you pay your rent/mortgage, buy groceries, and pay the utility bills, how much money do you have on top of your $750 a month? For this exercise, we’ll say you have an extra hundred dollars.
5.) Your worksheet might look something like this:
6.) Now, you’re going to start putting all of your extra money on the lowest bill each month. So, the first month, you make all of your minimum payments, put $80 extra on the Victoria’s Secret bill to pay it off, and then apply your leftover $20 to the JC Penney’s bill.
7.) The following month, take the minimum payment from Victoria’s Secret, the minimum from JC Penney’s, and your extra $100 to pay off your JC Penney’s debt. Keep in mind that due to interest, your other debts will not change much at all if you are only making the minimum payment. For the sake of this exercise, we’re living them as they are to demonstrate that.
8.) The month after that, you’ll combine all of your previous minimum payments with your extra hundred dollars, plus the minimum for Target for a total of $185 against that bill. It will take you two months of snowballing to pay this off.
And that’s how you pay off consumer debt quickly.
Being debt free as an individual is one of the most important things you can do for your happiness, security and for your family. Since pretty much everyone you know is doing the ‘normal’ thing of being a debt slave in an overly consumeristic culture, do yourself a favor and check out The Dave Ramsey Show and take back your freedom from the banks and credit card companies.
About the Author
Dylan Charles is the editor of Waking Times and co-host of Redesigning Reality, both dedicated to ideas of personal transformation, societal awakening, and planetary renewal. His personal journey is deeply inspired by shamanic plant medicines and the arts of Kung Fu, Qi Gong and Yoga. After seven years of living in Costa Rica, he now lives in the Blue Ridge Mountains, where he practices Brazilian Jiu Jitsu and enjoys spending time with family. He has written hundreds of articles, reaching and inspiring millions of people around the world.
This article (Everyone is Broke But YOU Don’t Have to Be a Debt Slave Any Longer) was originally created and published by Waking Times and is published here under a Creative Commons license with attribution to Dylan Charles and WakingTimes.com. It may be re-posted freely with proper attribution, author bio, and this copyright statement.
FBI to Ramp Up Surveillance of Facebook, Twitter and Instagram
The FBI plans to step up its efforts to gather information from social media – issuing a call last week for a new tool to monitor Twitter, Facebook, Instagram and other platforms “in a timely fashion.”
Citing the use of social media by terrorist groups, domestic threats, criminal organizations and foreign intelligence services, the FBI “needs near real time access to a full range of social media exchanges in order to obtain the most current information available,” according to the request for proposal
In addition to information such as user IDs, the feds are interested in “emails, IP addresses, telephone numbers, and likely aliases” used over social media. The tool would also allow for location-based tracking, persistent keyword monitoring, and access to one’s personal social media history.
The FBI is soliciting contracts for a new social media surveillance tool: https://t.co/3AglNJuote
They’re not beating around the bush in terms of how pervasively they’re monitoring social media content: pic.twitter.com/Zo528lt8Pd
— Hugh Handeyside (@hhandeyside) July 12, 2019
The FBI has justified the tool by claiming it is in response “to an increasing number of threats to U.S. national interests that are identifiable, with ever-greater frequency, through social media platforms.”
It is an acknowledged fact that virtually every incident and subject of FBI investigative interest has a presence online. Consequently, law enforcement gaining lawful access (i.e., access that is authorized, appropriate, and consistent with applicable law and policy) to this data will result in early detection and/or containment of the magnitude of any harm caused by these threats.
To protect US citizens, a method employed by the FBI is the acquisition of subscriptions granting access to tools. These allow for the exploitation of lawfully collected/acquired from social media platforms and stored, vetted and formatted by a vendor. The missioncritical exploitation of social media enables the Bureau to proactively detect, disrupt, and investigate an ever growing diverse range of threats. More specifically, the Bureau provides real-time situational awareness of indicators and warnings of emerging social media incidents. -FBI
Can’t they just ask the NSA?
found on Activist Post
Prehistoric aliens in Malta? Elongated skulls found in an underground temple will be analyzed
Cat filter strikes again during press conference
Discovery Channel will look for proof of alien contact on Earth in a new TV Series
Plane passengers stunned as ‘UFO splits into six pieces and vanishes in mid-air’
Uranus smells like farts, astronomers have confirmed — and the discovery indicates there was ‘a big shakeup’ early in the solar system
Chupacabra Blamed for Strange Cattle Mutilations in Argentina
Leaked Document Tells of Live Alien Captured in Mexico
Mysterious floating White Orbs spotted in Kansas City sky
A youtuber manages to film in detail what happens in Area 51
Rare Photo Catches A Weasel Riding On A Woodpecker
Deep State Takedown News: Declas WITHIN DAYS, Poulson Clown Agent, Lords Prayer Q Proof
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