Activity: Helps to increase a focus on one’s goals and prepare one to receive abundance, wealth, affluence, and prosperity. Great to use for prosperity soak and meditation to attract money your way!

Ingredients: PINE, PATCHOULI, SPRUCE, ORANGE, GINGER, CLOVE, CINNAMON, BASIL, MYRRH, SAGE, AND QUARTZ CRYSTAL.

Usage: 5-8 drops (swirl around in water with hand before entering)

Diffuser: 3-6 drops

Feet: 2-4 drops (rub in hand and then apply to feet)

Body: 2-4 drops (apply only after a carrier or base oil has been applied to the skin; carrier oils include olive, coconut, grape seed, jojoba, or almond oil)

Cotton/Tissue: 2-4 drops

Inhaling or sniffing: as much as you like, but 3-5 times per day should suffice or you can use as needed.

WARNING: Do not take or consume internally! For external use only!

Discontinue use if irritation to skin occurs.

NET WET - 5ml


FACTS:

NON-SUFFICIENT FUNDS (NSF)

81 percent of banks permitted overdrafts at ATMs and points of sale (POS), and most informed customers of the overdraft only after it occurred (88.8 percent for POS and debit transactions, 70.7 percent for ATMs)

Median overdraft fee is $27; a $27 fee for a single $60 instance, repaid in two weeks, translates into a 1,173 percent APR

Banks earned $1.97 billion in NSF fees in 2006, which was 74 percent of all service charges and six percent of net operating revenue

Banks with overdraft programs had higher NSF-related fee income than other banks

Customers with 5 or more NSF transactions over the 12-month period of the survey accounted for 93.4 percent of total NSF fees reported

Customers with up to four NSF charges paid $64 per year on average; those with 20 or more paid $1,610

Approximately one quarter of the banks with automated overdraft protection also assessed additional fees on top of the NSFs for retaining a negative balance

Accounts held by customers in low-income areas (media household income below $30,000) were more likely to incur overdraft charges than those in higher income areas; more than 38 percent of low-income accounts had at least one NSF fee, compared with 22 percent of upper-income accounts

Assuming the median $27 overdraft fee, a customer paying a $20 POS/debit overdraft in two weeks would pay an APR of 3,520 percent; a $60 ATM overdraft would be 1,173 percent; a $66 checking overdraft would be 1,067 percent

If overdraft fees are repaid more quickly, the resulting APR is actually higher

Accounts held by customers 18 to 25 are much more likely to incur NSF activity (46.4 percent)

POVERTY

Poverty is a reality in America, just as it is for millions of other human beings on the planet. According to the US Census Bureau, 35.9 million people live below the poverty line in America, including 12.9 million children.

This is despite abundance of food resources. Almost 100 billion pounds of food is wasted in America each year. 700 million hungry human beings in different parts of the world would have gladly accepted this food.

Here are some statistics on the nature of poverty and the waste of food and money in America.

-In 2004, requests for emergency food assistance increased by an average of 14 percent during the year, according to a 27-city study by the United States Conference of Mayors.

-Also in this study, it was noted that on average, 20 percent of requests for emergency food assistance have gone unmet in 2004.

-According to the Bread for the World Institute 3.5 percent of U.S. households experience hunger. Some people in these households frequently skip meals or eat too little, sometimes going without food for a whole day. 9.6 million people, including 3 million children, live in these homes.

-America's Second Harvest (http://www.secondharvest.org/), the nation's largest network of food banks, reports that 23.3 million people turned to the agencies they serve in 2001, an increase of over 2 million since 1997. Forty percent were from working families.

33 million Americans continue to live in households that did not have an adequate supply of food. Nearly one-third of these households contain adults or children who went hungry at some point in 2000.

U.S. Dept. of Agriculture, March 2002, "Household Food Security in the United States, 2000"

Quick note about essential oils Bath Drops

Aromatherapy was the first therapy. It is a therapy that works via the sense of smell (olfaction) and takes approximately two seconds to give a desired effect, generally speaking. Essential oils are the oils derived from plants and hence are the blood of plants. Essential oils have a natural therapeutic effect on the mind, body, and spirit.

Essential oils are different from the oils commonly sold and found at local oil shops and stores, which are synthetic oils and thus harmful to the body.

You can always tell real essential oils from synthetic oils because of the change in price, density, color, smell, and weight. Most synthetic oils are cheap ($5-$10) and pretty much all cost the same. Many are also named after commercial colognes and perfumes and are not derived from plants, but made in chemical labs. Some of these synthetic and harmful oils include Egyptian Musk, African Musk, Arabian Musk, Baby Powder, White Diamonds, Black Love, etc. These are all fake oils and pollute the body when they enter the bloodstream. They are not therapeutic but toxic and should be avoided. They also destroy olfaction (sense of smell). At many shops the seller gives you coffee beans to sniff or smell to help clear your sense of smell and palate. This does not occur at shops that sell real essential oils. Dherbs.Com is a brand you can trust and count on to bring you the best in natural compounds.