Bankruptcy stays on your credit report for 10 years. It will affect all sorts of things in your future,including some jobs. You will have to pay high interest on any kind of loan. It is not an easy way to get out of your debt.

Wait a year then open a mutual fund.

As a side note, Ramsey is an advocate of no debt and saving for large purchases. My 19 yr. old son listens to Ramsey with me and is “on board” the program. His 19 yr. old buddy just bought a new truck paying $250 a month (I can only imagine the length of that loan). My son said he spoke to his friend about saving and not going into debt. His friend says it is the AMERICAN WAY to have debt. Pretty sad.

Isotonix Multivitamin
http://www.marketamerica.com/lcbeauty/index.cfm?action=shopping.wpGoShopProducts&prodID=2243

Benefit:

good quality multivitamin and mineral supplement creates a sound micronutrient foundation to accompany the human diet. According to the World Health Organization (WHO), “Nutrition is the foundation for health and development. Better nutrition means stronger immune systems, less illness and better health.

There is no substitute for a healthy, well-balanced diet; however, in today’s fast-paced lifestyles it is important to ensure the body is getting the fuel it needs.

OPC-3 (super antioxidants)
http://www.marketamerica.com/lcbeauty/index.cfm?action=shopping.wpGoShopProducts&prodID=2217

Benefits:

Contain grape fruit extract, red wine extract, Pycnogenol® (pine bark extract), most powerful bioflavonoids (OPC) currently known to research scientists. Isotonix OPC-3 offers scientifically supported OPCs, found to be the most potent antioxidants for human health.

Free radical damage and oxidative stress everyone is subject to. Free radicals develop as byproducts of physiological processes that occur within the body. This damage does not cause noticeable harm at first, yet may add up over the years. This process is largely responsible for the aging process. Free radicals have been linked directly to premature aging, poor circulation, poor heart health and poor immune health.

OPCs are the most powerful natural free radical neutralizers and you get the best of all OPCs by taking Isotonix OPC-3. Regular use every day is vital for keeping free radicals in check and a long, healthy life. Laboratory studies have shown that OPCs are more powerful antioxidants than vitamin C and vitamin E.

Heart Health™ Essential Omega III Fish Oil
http://www.marketamerica.com/lcbeauty/index.cfm?action=shopping.wpGoShopProducts&prodID=2247

Benefits:

Contain essential fatty acid, Omega 3, provides the three grams of EPA† (eicosapentaenoic acid) and DHA† (docosahexaenoic acid) that studies reveal is the most effective amount to promote overall cardiovascular health.

• Helps maintain normal cholesterol levels
• Promotes healthy blood pressure levels
• Helps maintain normal blood flow
• Helps maintain normal triglyceride levels in the blood
• Helps enhance mood
• Promotes overall cardiovascular health

A deficiency in essential fatty acids can lead to severe bone loss and osteoporosis.

A health diet should be in the range of 1:1 to 1: 4 ratio of omega 3 v.s. omega 6. (Which means 1 part of omega 3 to 1 to 4 part of omega 6. However, a typical American diet, we tend to consume 1 part of omega 3 to 11 to 30 part of omega 6 (Most omega 6 comes from high fat diet).

Omega 6 increase inflammatory property within the body, while omega 3 does the opposite, anti-inflammatory.

When shopping for supplements, look at potency and absorption rate.

I would only recommend Isotonix line of supplements when available because:

1st, Isotonix is the only isotonic form of supplements in the market that provides superior absorption rate that pill form cannot beat. In order to form pills, filling, additives needs to be added, these are waste to our body and increase digestion time.

2nd, Pills need to be broken down into stomach first before our body can absorb. Stomach is very high acidic, thus most of the nutrients are destroyed in our stomach before reaching small intestine for absorption. So with pill form, you are looking for absorption rate of about 10 to 40% depending on our body’s digestion ability and the ingredients to form the pills. Please keep in mind that human’s digestion ability decease by age.

With Isotonix line, since it’s in isotonic form by adding certain amount of water to one capful of powder (it tastes great too!), multivitamin won’t stay in stomach and will go to intestine within 5 minutes so you are looking for absorption rate of 90% and higher, higher absorption rate even compare to IV injection.

When select Fish Oil in the market, look at its EPA and DHA values and also guarantee of free hard metal contamination.

Not all supplements can be made into isotonic form. Although Heart Health™ Essential Omega III Fish Oil is in gel form, it provides the needed EPA and DHA amount and has been tested twice to ensure free of heavy metals for providing maximum benefits for our health.

Never look for price when selecting supplements, look for values and potency and absorption rate. When you buy discounted supplements, your health is discounted as well!