Financial Independence

Blog #22 – Never Fall From The Compounding Curve

The following quote is attributed to Albert Einstein: “Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.” Understanding the power of compound interest is key to increasing your wealth. To represent graphically how compound interest works, take a piece of paper and … Read more

Blog #21 – Building Wealth The Way Bankers Do

If you need money to invest, where will the money come from? It will almost always come from your savings account. So why can’t it come from your Banking Policy? It can! Let’s see how you can profit from it. Assume that your brother, who doesn’t have a good credit score, asks you for a … Read more

Blog #20 – A Banking Policy-An Amazing Financial System

Margaret Thatcher once said: “The problem with Socialism is that you eventually run out of other people’s money”. As a result of Socialist policies, we are experiencing the worst economic conditions for America’s Middle Class since the 1960s. With high unemployment and underemployment, unfair taxation, and increasing Government intervention in our lives, how can the … Read more

Blog #19 – Essential Documents for Common Law Couples

Since unmarried couples lack the financial and legal benefits of their married counterparts, they may want to be vigilant in ensuring that proper documentation is in place to protect them, both legally and financially. Some basic documents and tips for maximizing your wealth outside of marriage: 1) A Will and Living Trust. The marital deduction, … Read more

Blog #18 – Life Insurance For Estate Planning

Don’t be mislead into thinking that estate planning is only for the wealthy. Estate planning can help anyone managing and preserving their assets and passing them on at death, in accordance with your wishes. This means, passing your asset on to your spouse or life partner, your children, other relatives or even your church or … Read more

Blog #17 – Me Me Me!

An excerpt from Rabbi Daniel Lapin Blog, Thought Tools Originally Posted on July 29, 2015 by Susan Lapin http://www.rabbidaniellapin.com/blog/category/thought-tools This fellow I know runs a struggling consulting business. The advice he delivers is of high quality–I know because I have consulted with him once or twice.  Yet he struggles.  He agonizes about his lack of … Read more

Blog #14 – Ultimate Goal Of An Infinite Banking Client

Capital purchases are unavoidable expenses, and we define capital purchases as those that we cannot accommodate through our weekly or monthly cash flow. A typical capital purchase may be a car, a college education, a home, a wedding, or an exotic vacation. As we will be able to demonstrate later, the ultimate goal of an … Read more

Blog #12 – Whole Life and Paid-up Additions

When purchasing a whole life insurance policy, even if it is not going to be used for banking purposes, be sure that a substantial amount of paid-up additions is included in your policy. There are two main reasons for our advice. The paid-up additions increase the efficiency of your policy in the sense that you … Read more

Blog #11 – Paid Up Additions Are Awesome

Yes, they are, but let me give some introduction before explaining why Paid-Up Additions are so great. A properly-designed Infinite Banking Concept (IBC) or banking policy originally maximizes the cash value that you obtain for a given premium while the death benefit eventually increases to be higher than in a traditionally-designed policy. This type of … Read more

Blog #10 – Every Business Owner Is Plagued By Wealth Transfers

First of all, let me explain what wealth transfers are. This is money that is being spent and can never be recovered. The major wealth transfers are: • Taxes • Interest paid to others • Investment losses Here is how a Dentist, one of our Infinite Banking clients, dealt with these wealth transfers through the use of his … Read more

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