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First off:
Go to the doctor/hospital/clinic as soon as you can. Preferably right now, or tomorrow. The sooner the better, you can't let this sit for a week or even a few days because the longer you wait the worse it will get.
Your earlobe is infected, the only options are pretty much, take antibiotics and make sure it is wrapped in clean bandages at all time, option number two is let it sit and have the infection get worse until your earlobe, or worse, your entire ear, has to be cut off. Lotion only adds moisture for bacteria to breed in and makes it worse. though, until you can see the doctor to get antibiotics to treat the infection, I'd suggest to put some neosporin on whatever you are wrapping it in. That alone won't cure it, not by a long shot, but it will help a little bit to make sure that more bacteria doesn't get in there and makes the infection worse.
As for your ribs, sorry, I can't help you on that one. Though, if you are coughing up blood, even a little bit of blood, it is serious business.
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