Isis B. Palicio, LUTCF, MBA and Pedro A. Palicio, MBA, Ph.D.
Isis B. Palicio, LUTCF, MBA and
Pedro A. Palicio, MBA, Ph.D.,
Infinite Banking Concepts® Authorized Practitioners
2023 September BankNotes
—Adam Smith, An Inquiry into the Nature & Causes
of the Wealth of Nations. Volume I, 17591
Within this quote by Adam Smith resides the
fundamental premise for the creation of the IBC
Practitioner Program for financial professionals.
Blog 104 – Why Not Universal Life For Infinite Banking?
Infinite Banking is an economic concept developed by Nelson Nash. It is based on the principle that you “finance” everything you buy, since you either pay interest to someone else or if you pay cash, you give up interest you could have earned. IBC is all about how to create your own banking system so you can control 100% of your financing needs.
Blog 103 – Continuous Compounding Of Your Cash Value
The cash value in your Infinite Banking, or IBC policy, continuously compound. In fact, the cash value grows exponentially based on the interest and dividends allocated to your insurance contract. The meaning of exponential growth is that the growth is not the same every year but that it increases every year, and this is a very good thing!
2023 August BankNotes
“There are probably thousands of such
examples of misclassification that we run into every day but they
probably don’t increase the quality of our lives. Instead, they limit
our thinking and lead us to wrong conclusions. Words are powerful
things!”
Blog 102 – Use Your IBC Policy To Supplement Your Retirement
The cash value in your Infinite Banking Concepts (IBC) policy is guaranteed to increase every single year by a contractually set amount regardless of what happens in the stock market. Those guaranteed cash value increases that you receive are based on the “worst case” income and expense scenario projected by the insurance company and assumes no dividend is declared ever again. When the insurance company’s performance in any given year is better than that, you will receive a dividend. Although dividends are not guaranteed, the companies we use have paid dividends every year for over 170 years, including the Great Depression and two World Wars.
2023 July BankNotes
Becoming Your Own Banker, by author R. Nelson Nash is an
extraordinary book. And yet, it’s not actually a book as much as it
is a book-let. A mere one hundred and seven pages in its entirety, it
dispenses wisdom and logic of a kind that only an individual who has
been educated in the Austrian School tradition could have written.
Neither the brevity of its treatment nor its plain language takes away
from the fact that it contains information of great intellectual and financial depth.
Happy Fourth Of July 2023!
On behalf of Universal Wealth Managers LLC, we want to take a moment to wish you and your family a happy, safe, and enjoyable holiday. As we reflect on the freedoms that this day represents, we are grateful for the opportunity to serve you. Happy Fourth Of July 2023!
Isis and Pedro Palicio
Blog 101 – A Bank Loan Or An IBC Policy Loan?
If you are using the Infinite Banking Concept (IBC) to wean yourself off bank loans, why in heaven’s name would you take a bank loan when you could take an IBC loan?
Blog 100 – Direct and Non-Direct Recognition
The terminology of direct and non-direct recognition refers to the method that the insurance company or insurance contract uses in paying dividends when there is an outstanding policy loan.
