Denver, the Mile-High City, is not only famous for its breathtaking landscapes but also for its flourishing real estate market. With a consistent influx of new residents and businesses, the city’s property scene promises lucrative returns. While real estate opportunities abound, having the right financial strategy is paramount. This is where the Infinite Banking Concept (IBC) seamlessly fits into the Denver real estate narrative.
Fix-and-flips in the Mile-High City Denver’s housing market is characterized by its fast-paced growth, and with this growth comes the increasing demand for housing. The neighborhoods within the city and its suburbs are witnessing aging properties that could use refurbishing. For the real estate investor with an eye for potential, this provides an avenue for profitable fix-and-flip ventures.
Traditional financing often ties investors down with structured repayment schedules, sometimes stifling cash flow or even missing other opportunities because funds are tied up in repayments. One of the unsung benefits of utilizing the Infinite Banking Concept for such ventures is the unstructured nature of the loans. When an investor borrows against their specially designed whole life insurance policy, they’re essentially borrowing from themselves. This means repayments can be flexible, aligned with the investor’s cash flow. It provides significant breathing room, especially in the unpredictable world of fix-and-flips where timelines can vary.
Furthermore, the traditional means of financing such projects often involve loans with stringent conditions, unpredictable interest rates, or cumbersome processes. IBC, however, offers a refreshing alternative. By tapping into the cash value of a specially designed whole life insurance policy, investors can access funds quickly. The fact that there’s no need to undergo extensive credit checks or await approval from external entities ensures that investors can act swiftly, capitalizing on opportunities as they arise.
Long-term Investments Denver’s steady population growth paints a picture of long-term housing demand. Rental properties, especially in areas experiencing infrastructure development or closer to employment hubs, can be goldmines for passive income. The beauty of IBC here is twofold. First, it can be used to finance the purchase of these rental properties. Second, the cash flow generated from the rentals can be funneled back into the whole life policy, enhancing its cash value and, in turn, increasing the financial reservoir from which an investor can draw in the future.
Moreover, with the IBC, long-term investments come with an added layer of security. Whole life insurance policies not only provide the policyholder with a death benefit but also grow the cash value over time. This growth, coupled with the rental income, can bolster an investor’s financial position, making subsequent investments or even personal expenditures more accessible.
Diversifying Investment Portfolios Diversification is a cardinal rule in investing, and Denver’s real estate offers a sturdy platform for this. While stock markets can be volatile and bonds sometimes offer minimal returns, real estate, especially in a market as robust as Denver’s, provides stability.
The Infinite Banking Concept complements this diversification strategy beautifully. As an asset, the cash value in a whole life policy grows at a guaranteed rate, irrespective of market fluctuations. By investing in Denver’s real estate using funds from the IBC, investors effectively have assets in both the real estate market and the financial market (through their policy). This dual approach offers both the potential for appreciation (from property) and the safety of guaranteed growth (from the insurance policy).
In Conclusion The vitality of Denver’s real estate market, when combined with the flexibility and security offered by the Infinite Banking Concept, paves the way for innovative investment strategies. Whether it’s the immediate returns from fix-and-flips, the steady income from long-term rentals, or the sheer joy of diversifying one’s portfolio, Denver’s property scene paired with IBC is an investor’s dream.
For those already familiar with the Denver real estate landscape, the introduction of the Infinite Banking Concept as a financing tool is like discovering a secret weapon. And for those just venturing into property investments in the city, understanding and leveraging IBC could very well be the cornerstone of their success. The harmony between Denver’s real estate opportunities and the Infinite Banking Concept is not just financial – it’s a wonderful cohesion of vision, strategy, and prosperous returns.
Most of us are on board with these ideas. What if there is one vehicle that can help you accomplish all of these things… at the same time?
Now what I am not talking about is a replacement strategy against your real estate investing ones. What I am talking about is how setting up what we call ‘private family banking systems’ can turbo-charge your current strategies.
Utilizing these strategies allows a person to build cash value in a vehicle where it can grow uninterrupted, while at the same time being used for other things.
For example: While you’re using that cash value throughout your life for real estate investing purposes, that same cash value is growing as if you never touched it. While is it doing this, you are at the same time building up the ability to supplement (or even fully fund!) retirement and even leave a legacy that could literally last for generations. In the end, your real estate investment strategies creates passive income for retirement, all the while your private family bank also supports you through retirement.
As I talk with more and more clients, I would have to say that the main thing I teach is about the flow of money. Most people have money flowing away from them. My job is to work with you based on your goals and objectives, based on your current situation, taking a wholistic approach to changing the constant outflow of your money, to help you turn in inward.
This is why we do what we do in teaching people about the Infinite Banking Concept. We want to see your life changed for the better.
Join us on January 23rd, 2024 at 7 PM at Hudson Grille Sandy Springs for a uniqueoccasion that offers real estate insights and financial empowerment. Hosted by JM RealEstate Capital, this event features guest speaker, Jason K. Powers, who is a successfulmulti-business owner, real estate investor, and Authorized IBC Practitioner certified by theNelson Nash Institute. During the event, Jason will share his incredible story – from a successful national sportingevents photography business to co-founding an international non-profit, and his journeythrough the jungles of India. Jason went on to develop a 170-acre RV camping andrecreation area and co-authored a captivating coffee-table book titled “One Man’s Road: AJourney Into North East India.” Don’t miss the opportunity to learn more about wealth planning, real estate investing, andthe Infinite Banking Concept from Jason. At 7 PM, the event begins with networking, followed by Jason’s informative talk and morenetworking to connect with like-minded individuals in the real estate community. Plus, youcan enjoy complimentary food while expanding your knowledge and network! Secure your spot now for an exclusive evening of learning, connection, and inspiration. Wecan’t wait to see you at Hudson Grille Sandy Springs on January 23rd!
Written by R. Nelson Nash / Originally published on infinitebanking.org / Used with permission
IMAGINATION
Albert Einstein said, “Imagination is more important than knowledge.” Coming from such a knowledgeable mind as his, this observation should have a lot of meaning to us.
The Infinite Banking Concept is an exercise in imagination, reason, logic and prophecy. We will re-visit this thought many times during this course. To help stimulate your imagination let’s go back in time to 1785 – the German schoolmaster was having trouble with his boys that day – they were rowdy. He wanted to quiet them down and to punish them, so he gave them a problem. “Add up all the numbers – one through one hundred.”
If you haven’t kept up, go back and start with Part 1!
The boys got their slates down and started to work on the problem. The schoolmaster’s plan seemed to be working! But one little boy was not participating – he just sat there staring out the window. Shortly he picked up his slate, wrote down a number and turned it in. Would you believe, he was the only boy with the right answer? All the rest had wrong answers. The schoolmaster took note of this fact and asked the boy how he did it.
R. Nelson Nash Nelson Nash Institute
The boy said, “I visualized a line with the figure 1 on the left side and the number 100 on the right. In the middle was the number 50. I cut the line at that point and folded the right end of the scale over to where it was parallel to the other line. Now, I had 1 lined up with 100 and 50 was lined up with 51. Adding 1 and 100 produced the answer 101. I noticed that adding 50 and 51 produced the same answer. Further, when I imagined all the series of numbers between these extremes I always got the same answer, 101. Then, I saw that I had 50 sets of 101’s. Multiplying 50 times 101 produced the answer 5,050.
Thereafter the boy received special tutoring and he became one of the three greatest mathematicians of all time – his name was Karl Gauss. Look his name up on the internet.
Young Gauss did not invent that fact. He discovered what God had done already. He discovered a relationship between numbers that is fixed and nothing can be done to change it.
Now that we understand this fact we can take a shortcut in getting the answer. Whenever we are adding anything beginning with 1 and ending with a multiple such as ten, one hundred, one thousand, etc. you simply pick the mid-point and put that same figure beside it. In the case we just cited the midpoint was 50, so putting 50 beside it we get the answer 5,050.
So, to add up the numbers 1 through 1,000 you simply pick the midpoint, 500, and put 500 alongside it — 500,500; ridiculously simple — and absolutely accurate. It is fixed! Try to pass some law to change that fact and you are engaging in an exercise in futility.
Nevertheless, somewhere in the past I have heard that a legislature in some state tried to get the mathematical term, “Pi” changed from 3.1416 to 3.00 because it was too complicated and cumbersome! These demigods could not conceive that they were dealing with a fixed relationship that they could not change and had no authority over. But, therein lays the story of mankind since time began.
Karl Gauss was able to see what others could not see because he used his imagination. In the next lesson we will continue to use our imagination in a very practical way. I’ll see you then!
Content: Page 14, Becoming Your Own Banker Fifth Edition {Get your copy here}
Written by R. Nelson Nash / Originally published on infinitebanking.org / Used with permission
Step into our recurring monthly webinar, ‘A Crash Course in Infinite Banking: Is It For You?’, tailored specifically for members of the Arizona Real Estate Investors Association. While the foundational topic will remain the Infinite Banking Concept — a transformative strategy allowing individuals to master their financial landscape — each session illuminates a different scenario showcasing its potential applications in real estate.
Explore how IBC can offer multifaceted solutions and pivot points in your investment journey. Led by Olivia McGraw and Jason K Powers of Unbridled Wealth, every month offers a fresh perspective and various real life case studies! Ensure you’re at the forefront of this financial revelation and join us!
In the world of acting, where the path to success is as unpredictable as it is exhilarating, financial stability can often seem like an elusive dream. Actors face unique financial challenges, including irregular income, the need for sudden investment in opportunities, and planning for the future in an industry known for its volatility. Enter the Infinite Banking Concept (IBC), a strategy that promises not just to provide a safety net but to empower actors with financial autonomy and growth.
The Core of Infinite Banking
IBC harnesses the power of dividend-paying, whole life insurance policies to create a personal banking system that grows and adapts with you. For actors, this means transforming their financial approach from one of uncertainty to one of confidence and control. By leveraging a vehicle that offers uninterrupted compounding growth, liquidity, and significant tax benefits, IBC stands out as a beacon of financial resilience in the unpredictable waters of the acting profession.
Uninterrupted Growth Amidst Career Fluctuations
Acting careers are renowned for their fluctuations, with periods of plentiful work followed by times that are lean. The uninterrupted compound growth offered by IBC ensures that your wealth continues to expand, even as you borrow against it for personal investments or to tide over slow periods. This feature is particularly beneficial for actors, ensuring that their financial foundation remains strong, regardless of career ups and downs.
Liquidity for When Opportunity Knocks
Opportunities in acting can come at any time and often require immediate financial investment, whether it’s for travel, training, or self-promotion. IBC provides unparalleled liquidity, allowing actors to access funds quickly and without the hurdles of traditional financing. This level of financial readiness ensures that actors can seize opportunities without delay, a critical advantage in a highly competitive field.
Tax Advantages for Strategic Planning
With IBC, the cash value growth within your policy is tax-deferred, and policy loans are tax-free. For actors, whose incomes can significantly fluctuate from one year to the next, these tax advantages are invaluable. They allow for more efficient wealth accumulation and provide a strategic edge in financial planning, ensuring that more of your money is working for you.
A Financial Strategy Tailored to the Actor’s Journey
IBC is not a one-size-fits-all solution but a strategy that can be tailored to the unique needs of each actor. Whether you’re just starting out, experiencing a career high, or thinking about the next chapter, IBC provides a flexible and robust financial strategy. It supports your career’s ebb and flow, offering peace of mind and financial stability, which, in turn, frees you to focus on your craft.
Partnering with an Expert
To maximize the benefits of IBC, partnering with an experienced and authorized practitioner is essential. Such a partnership ensures that your financial strategy is customized to your personal and career goals. For actors, this means working with someone who understands the nuances of the industry and can navigate its financial challenges, turning IBC into a powerful tool for financial growth and security. That’s where Jason K. Powers comes in.
IBC: Beyond Just Finance
For actors, IBC represents more than just a financial strategy; it’s a career empowerment tool. It offers the freedom to pursue your passion, secure in the knowledge that you have a solid financial foundation. Whether it’s investing in new opportunities, covering living expenses during slow periods, or planning for the future, IBC provides a comprehensive solution that grows with you throughout your career.
In conclusion, the Infinite Banking Concept offers actors a unique opportunity to take control of their financial futures. By providing a means for uninterrupted growth, immediate liquidity, and beneficial tax treatment, IBC empowers actors to navigate the uncertainties of their careers with confidence. It’s a strategy that not only supports their financial well-being but also enhances their ability to pursue their artistic ambitions without constraint. For actors committed to building a sustainable career and financial legacy, embracing IBC could be the transformative step toward achieving both.
Beyond The Bank: Infinite Banking for Savvy Real Estate Investors Workshop
with… Jason K Powers & Michael Fernicola
Join our half-day workshop & discover a financial strategy that not only supercharges your investment career but elevates your financial life. It’s time to rethink banking! 𝙁𝙍𝙀𝙀 𝘽𝙊𝙊𝙆 “𝘽𝙚𝙘𝙤𝙢𝙞𝙣𝙜 𝙔𝙤𝙪𝙧 𝙊𝙬𝙣 𝘽𝙖𝙣𝙠𝙚𝙧”
Saturday, November 11, 20239:00 AM – 12:00 PM
TownePlace Suites by Marriott
10460 SW Village ParkwayPort St Lucie, FL 34987
Beyond the Bank: Infinite Banking for Savvy Real Estate Investors
Unleash the Power of Infinite Banking in Real Estate. In the realm of real estate, the rules are changing. The Infinite Banking Concept provides investors like you an edge, offering unprecedented control over your financial journey. Imagine maximizing returns, controlling your financing, and eliminating the middleman. Imagine a life without the bank.
Join our half-day workshop and discover a financial strategy that not only supercharges your investment career but elevates your financial life. It’s time to rethink banking!
BONUS – FREE BOOK “𝗕𝗲𝗰𝗼𝗺𝗶𝗻𝗴 𝗬𝗼𝘂𝗿 𝗢𝘄𝗻 𝗕𝗮𝗻𝗸𝗲𝗿” FOR ALL ATTENDING WORKSHOP!!
Change the way you think about your finances, and it will change your LIFE!
LIMITED SEATING AVAILABLE DO NOT WAIT RESERVE YOUR SEAT NOW!!!!
November 2023 Main Monthly Meeting – Jason K Powers, Unbridled Wealth – Infinite Banking
with Jason K Powers
Queen City REIA is excited to host Jason K Powers with Unbridled Wealth present “Financing Your Own Deals with Infinite Banking” and Unlock the Secret to Financing Your Real Estate Deals!
Have you heard of Infinite Banking? If not you do not want to miss this month’s meeting. We are thrilled to have Jason K Powers with Unbridled Wealth teach us about Infinite Banking “Financing Your Own Deals with Infinite Banking” & Unlock the Secret to Financing Your Real Estate Deals!
Ever wondered how top-tier real estate investors stay ahead of the game? Here’s your chance to gain insight into a transformative strategy! Join Wealth Strategists and IBC Practitioners, Jason K Powers. Dive into the potent world of the Infinite Banking Concept and learn the strategy the wealthy use – and now you can too! This isn’t just another seminar; it’s the key to revolutionizing your investment approach. Elevate your game. Reserve your seat now for an evening that promises to redefine the way you see real estate finance!
Change the way you think about your finances, and it will change your LIFE!
Jason K Powers is a Multi-Business Owner, Real Estate Investor & Wealth Strategist with an eclectic and exciting background ranging from real estate investing to international non-profit work to wealth planning. After learning about the Infinite Banking Concept and seeing what it could do for him, Jason dove head-first into helping others around the country set up their own Private Family Banking Systems, change their mindset about money, and experience something life-changing.
This REIA is for anyone who is interested in furthering their Real Estate Investment portfolio by learning from some of the best in the industry. Queen City REIA is a proud chapter of National REIA, and is committed to providing safe education, and opportunities for investors of all levels to network and grow.
We provide education, resources and network opportunities to help our members see the results they want in their real estate investing career. Come network and get connected with people you need to know in the Cincinnati & Northern Kentucky Markets!
At each of our meetings you can expect:
Refreshments
A market update
An opportunity for you to network with other investors
Time to engage with vendors and corporate sponsors
An opportunity to express any haves/wants to the group
Written by R. Nelson Nash / Originally published on infinitebanking.org / Used with permission
We continue to learn how the Infinite Banking Concept got started. So far, you have heard only a part of my story. The beginning of my awakening was in November 1980 when our first grandchild was born. Interest rates had begun to zoom upward. That was Bunker Hunt’s heyday – do you remember him? Bunker and his brother were going to “corner” the silver market – and as a result silver prices went up higher than anything, relatively speaking. Gold went up to $800.00 per ounce – that will give you an index.
Well, what did that cause out in the big wide world? Among other things, “drug junkies” started supporting their habit by stealing silver from homes. While my wife was visiting our new granddaughter for several days, some 60 miles away, the thieves broke into our home at 3:00 p.m. and “cleaned us out.” Have you ever been burglarized? You won’t believe what they can do to a house in just a few minutes. Luckily, I got to clean up the mess. If my wife had seen it I don’t believe she would ever feel comfortable in that house again.
R. Nelson Nash Nelson Nash Institute
Two months later my 52-year old brother dropped dead from a heart attack while playing racquetball with a son. Poor selection of ancestors – our father died at age 64 from the same problem.
Five months later our second granddaughter was born out in Hawaii. Five weeks later her parents discovered that the baby had cancer. I didn’t even know that babies could get cancer. She went on chemotherapy when she was 6 weeks old. Six months later she went through surgery to remove the tumor on her right adrenal gland. The cancer was a neuroblastoma, a very rare kind that attacks children. The lesions had involved her liver and she had to go back on chemotherapy for several more treatments. My story has a good part – she is now 20 years old and is cured [June 2019 – 38 years old with two children]! We have seen a miracle!
And now for the bad financial news – it was that summer that Interest rates went to 23% – and there I stood owing $500,000 under those circumstances. When a number of bad things like this occur in fairly rapid succession it will increase the quality and quantity of your prayer life dramatically. The basic idea revealed in the Infinite Banking Concept was born over a period of many, many months at 3:00 to 4:00 a.m. in the kneeling position praying, “Lord please, show me a way out of this financial prison that I have created for myself.” The answer came back about like a baseball bat across the eyes. “You are standing in the midst of everything it takes to get out – but you don’t see it because you look at things like everyone else. You can get to money during these awful times at 5% to 8% interest from three different life insurance companies through policies that you own. The only thing that limits how much you can get to is the same thing they tell you at the bank when you ask them how big of a check you can write – how much have you put in?”
If I had not been accustomed to paying very large premiums, by worldly standards, it is doubtful that I would have seen the message. Hardship often helps us to see things to which we are normally blind. It was evident to me that I needed to increase my life insurance premiums dramatically to create a pool of cash values from which to borrow to pay off the bankers that I owed. But I owed $500,000! How could I do both?
Honest introspection revealed that I could revise my spending pattern. This was a starting place. When I started teaching others to design their financial dealings along these lines my income tripled and that helped out. Thirdly, it occurred to me that the American public will buy anything if you give them a time payment plan. So, I started fragmenting lots of my rural property and financing the sales. With that chain of payments, I bought more life insurance.
Practically everyone thought I was crazy – it was opposite to what all the “experts” said. But an objective look at the facts of how life insurance worked, plus reason and logic – and continued sessions of intense prayer for guidance has proved that the system works.
Maybe you have found yourself in such a financial prison – or maybe you want to develop a system that will keep you out! Maybe yours is smaller or greater. Whatever, the principles are the same and they will serve you well. It requires understanding – and it requires discipline to implement the idea, but it can change your life dramatically – even beyond your fondest dreams!
Content: Page 13, Becoming Your Own Banker Fifth Edition {Get your copy here}
Written by R. Nelson Nash / Originally published on infinitebanking.org / Used with permission
Written by R. Nelson Nash / Originally published on infinitebanking.org / Used with permission
Welcome back to lesson 2. It will probably be useful for you to understand just how this concept came into existence. We are all products of our prior understanding of things. First of all, my initial college degree is in the field of forestry, graduating from the University of Georgia in 1952. A large portion of the root thought of this concept is coming from the study of forest finance — the fact that you are dealing with compound interest over a long period of time with no taxation on the build-up. The reverse fact is that you must make an investment in planting trees and you won’t see any financial return for that same long period. In the forestry world one must think many years into the future.
If you have not yet read Part 1, it would do you well to go back and read that first, HERE.
Some of it is coming from the life insurance business. I made a good living in life insurance sales for 35 years. Knowing how dividend-paying life insurance works is an essential ingredient to it all. Most people have a minimal understanding of the subject, including the home office personnel at life insurance companies. That may seem strange to you, but it is very true. In fact, a case can be made that it is probably the most misunderstood subject in the world.
R. Nelson Nash Nelson Nash Institute
Lastly, it was strongly influenced by my experience in the real estate business. Recalling that I was educated as a forester, timber is real estate as well as the land on which it grows, so I have been around real estate for all my working life, and I developed a deep interest in the subject and studied many books on it. If you read those books, the central message is not about real estate at all – it is about the magic of leverage! Essentially, they all say, “Buy some real estate, borrow the money to pay for it (because you are always dealing with borrowed money — you either borrow money and pay interest or you use your own money and give up interest that you could have earned elsewhere) – pay interest for a while, then sell the property. All you have given up is the interest you have paid out. That leverage is wonderful.”
That is all true – as long as things are going the way the “financial geniuses” describe it in the books. But they never tell you what happens when the lever goes the other way! Frankly, I made some money in the late 70’s doing it the way the geniuses explained it. By the way, there have been a number of people who have observed that “financial genius” is a rising market. There were several successful ventures in a row, and it looked like there was no end to this bonanza. I could do no wrong! The ventures got bigger and bigger and I got more involved, buying a large number of acres of rural property.
And then I got into real estate development. With the profits from one small parcel, my wife and I went to Europe in 1977 and spent a month! Would you believe it – I have never seen that property yet? I don’t even know where it is! And I did it all according to the “book by the financial geniuses” – leverage – other people’s money. Just have your realtor find such a deal and attend to all the particulars for you – and then sell it for you. Marvelous!
There was no logical reason not to expand – and so I did. The interest rate (they called it “the prime rate” in those days – now called “base rate.” This is the rate charged to the bank’s most secure customers) at that time was 8%, but your must pay 1.5% over “prime” because you are not in that category. They are not lending you money because you have real estate – they are lending you money because they think you can make payments. Why else would they require personal endorsement on the loan? And you must renew the notes every 90 days (or pay off the loan) at the current interest rate.
I got accustomed to paying 9.5% and that was “normal.” And then, along came 1981 and 1982. The prime rate rose and peaked at 21.5%! Add 1.5% on top of that and you see my situation – 23% interest – and I owed them $500,000.00! That amounts to $67,500 of interest per year that I was not expecting to pay.
When this happens to you, what do you do? Go as the “financial geniuses” that recommended that you do this and ask, “What do I do now?” If you can find them, they may mumble something about “selling the real estate.” But where do you find a fool who will buy it under those circumstances? Of course, everything will sell if you get the price low enough – but losing five times what you paid for it is hardly a good way out.
You can see the predicament that I was in, but that is only part of my total situation. We will save that for Lesson 3. I’ll see you there!
Content: Page 12, Becoming Your Own Banker, Fifth Edition. {Get your copy here}
Written by R. Nelson Nash / Originally published on infinitebanking.org / Used with permission
Jason is excited & honored for the opportunity to speak during this years SOLD OUTNREIA Alaska Cruise!
Infinite Banking, Real Estate & Intergenerational Wealth
Among many other speakers on the Cruise, Jason will be focusing on the basics of Infinite Banking, talking through the Rules of IBC, how money works behind the scenes, what banks are doing with your money, and why you should be controlling the banking function in your life.
From there, he’ll be showing specific case studies on how real estate investors are utilizing IBC in their own companies.
He’ll be wrapping up the week discussing intergenerational wealth. How can you take the idea of IBC and make it last for generations to come!
Jason K Powers
Get your copy of Becoming Your Own Banker! An absolute must-read to understand the basics of Infinite Banking at its fundamental level. CLICK HERE.
Investors
Ready to see how we can help you with your Infinite Banking strategies? Reach out below or schedule a meeting now.
Your information is safe. Jason will never share it with anyone.
~Creating financial strategies to last for generations~
Thanks for attending the Monthly Coastal Florida REIA event featuring Wealth Strategist Mike Fernicola and Authorized IBC Practitioner & Wealth Strategist Jason K Powers, on Thursday, August 24, 2023!
Please reach out to us below to see what Infinite Banking can do for you!
Mike Fernicola
Jason K Powers
Investors
Ready to see how we can help you with your Infinite Banking strategies? Reach out below or schedule a meeting now.
Your information is safe. Jason will never share it with anyone.
Get your copy of Becoming Your Own Banker! An absolute must-read to understand the basics of Infinite Banking at its fundamental level. CLICK HERE.
Join us for a Game-Changing Event: Infinite Banking with Whole Life Insurance!
Hey friends! Have you heard of Infinite Banking? It’s an incredible financial strategy using whole life insurance that could transform your future.
Guess what? We’re taking it up a notch! MADE (Making a Difference Economically) is thrilled to bring Jason K. Powers to our community. He’ll be presenting this powerful concept on Wednesday, August 23rd, from 6-8pm.
Imagine having your personal “bank” within your policy, allowing you to access funds for investments, education, or emergencies while your policy grows.
I’m diving deep into Infinite Banking and it’s mind-blowing! Let’s connect if you’re curious about this life-changing strategy.
Written by R. Nelson Nash / Originally published on infinitebanking.org / Used with permission
Perhaps it was that eminent author, “Anonymous,” that made the observation, “If you take all the money in the world and divide it equally among all the people in the world, within ten years time 97% of the money will be in the control of 3% of the people.” There is no way to measure the validity of this, but do you suspect that there is a lot of truth to it?
Even if you change the proportions to 75% vs. 25%, it still is an appalling situation. Have you ever wondered why this is happening? I think one strong possibility is that the common man knows next to nothing about the most important business in the world – banking! Without banking we are all back in the caves and dealing with each other by means of barter. Our standard of living would be vastly degraded.
When you go to buy something, money must flow from you to that other party in a relatively short period of time or, otherwise, those narrow-minded folks won’t do business with you. They have no sense of humor at all! Similarly, when you sell something, money must flow from that other party to you. The flow of money is absolutely necessary. It is the method of keeping score with one another. Where the money comes from is the subject of this course. It must come from a reservoir – a pool of money – a bank! And it must be adequate to complete the transaction plus all the contingencies of life that we all face. The money in your pocket is all part of the banking system.
R. Nelson Nash Nelson Nash Institute
Consider this analogy. Look at a globe and it is rather obvious that about 80% of the earth’s surface is water. The sun heats it up and causes some of it to evaporate into the atmosphere. That causes wind currents that carry the moisture around the earth and it will precipitate out as rain, sleet, snow, and hail. And, somewhere along the way some of it will flow through you and me – eight glasses per day. After all, we need to acknowledge that most of you is water and that proportion must remain fairly constant. Have we all not heard the phrase, “Don’t get dehydrated?” Does it dawn that you are a pool of water? When it flows through us, pray tell, where does it end up? Back in the oceans, of course! It is a system!
There is only one pool of money in the world. The fact that various banks, insurance companies, corporations, and individuals are managing it in various countries and currency denominations is incidental. To argue otherwise would be the equivalent of a person looking at the globe and saying, “Oh, look! There is South America – and look, there is the Amazon River flowing into the South Atlantic Ocean. But, that has nothing to do with the Indian Ocean on the other side of the world!” Nonsense! That is ridiculous! There is only one pool of water on the earth. It is all part of a system – and they are all connected in one way or another through the various forms of water–solid, liquid, or water vapor.
Another analogy – would you agree that everyone needs a heart? Its function is to pump blood to wherever it is needed within your body – so you need one, personally, and it must be functioning to make your blood flow. But, have you ever considered that you can live without one? I did, back in January 1988! The doctors had mine outside the chest cavity and were re-plumbing it in four places. They can’t do that without shutting it down for the duration of the surgery. My heart did not work for about two and a half hours! But, here I am talking to you today! What made all this possible?
There is this wonderful machine called a heart-lung machine that performs the functions of the heart. But, as I look back on this event, there is no way that I could classify those 2 ½ hours as “living.” That was “existing!” I don’t remember any of that time – thank God! The other thing I noticed is that the procedure was very expensive – but worth it! I would gladly have paid three times what it cost without objection.
Now, translate these analogies over into terms of money and banking and pay close attention to what is happening in the world of the common man. You will see that he is doing the equivalent of living on a heart-lung machine 35% of the time! Absurd! He should not be living on it at all!
This course is all about building a banking system so that you control 100% of your needs for money at all times. You can recapture that “financial energy” that is now flowing away from you (you will never see it again) and it will accumulate on an income tax-free basis for your benefit.
We live in an age of instant gratification, sound bites, and a pill for every known or imagined malady. This is the “now generation” – looking for immediate gratification for every action. Put on a garment and wear it for a while until something else comes along that looks more attractive – or worse, that is more “in style.” Becoming Your Own Banker is not of that nature – it is a major paradigm shift. This is a concept that needs thorough examination so that one can make a life-long decision. It can’t be done overnight. It will take a long time and will require patience and complete understanding – but if you absorb its meaning and adopt it as your “new paradigm” it will be worth all the effort!
Exercise: Try to figure out how much interest you pay per month.
Written by R. Nelson Nash / Originally published on infinitebanking.org / Used with permission
In the realms of real estate investment and financial planning, successful practitioners have one common trait: a long-term perspective. This article aims to explore the intersection of long-range thinking in rental property investment and the Infinite Banking Concept (IBC), illuminating the parallels and potential synergy between these strategies.
Investing in rental properties is no short-term endeavor. Real estate investors understand that a wealth-building strategy based on rental properties demands a forward-thinking mindset. The benefits of such a long-range approach are numerous.
First, it provides steady income through rental revenue. Second, real estate is a tangible asset that tends to appreciate over time, thereby increasing the investor’s net worth. Third, long-term ownership of rental properties offers significant tax advantages, from depreciation deductions to 1031 exchanges. Lastly, over the years, as the mortgage is paid down, investors increase their equity, which can then be leveraged for additional property acquisitions.
The Infinite Banking Concept (IBC) is another strategic system that requires a long-range perspective. In essence, IBC enables individuals to create a personal, privatized banking system, through a dividend-paying whole life insurance policy. Policyholders can borrow against the policy’s cash value, loaning money to themselves while the policy continues to grow uninterrupted.
“Change the way you think about your finances, and it will change your life!”
Jason K Powers
This strategy carries a multitude of benefits when implemented with a long-term lens. First, it offers a tax-efficient wealth accumulation vehicle, as the growth within the policy is tax-advantaged, and loans are tax-free. Second, it provides accessibility and control over your funds, allowing liquidity without penalty, unlike many traditional retirement plans. Third, it generates a predictable, compounding cash value growth, creating a reliable savings system. Lastly, it offers a death benefit providing a tax-free legacy to beneficiaries.
The merging of a long-term perspective on real estate investment and IBC creates a robust financial structure. Both require patience, discipline, and an understanding of the time value of money, but yield tremendous financial benefits in the long run.
These strategies can function mutually. The consistent cash flow from rental properties can be utilized to fund the life insurance policy used in IBC, ensuring it grows steadily. Conversely, the liquid cash value in the policy can serve as a readily available source of capital for real estate investments. This creates a cycle of wealth growth and preservation that can support an investor’s financial goals across decades.
Both long-term rental property investing and the Infinite Banking Concept underscore the notion that financial freedom and stability stem from planning and thinking far into the future. It offers more than just monetary rewards; it provides peace of mind, financial independence, and a lasting legacy.
It is imperative for real estate investors to adopt a long-range perspective, both in property acquisitions and in financial management through systems like the Infinite Banking Concept. The interplay between these strategies allows investors to build and control their wealth, maximize tax efficiencies, and establish a family banking system that can last for generations.
Written by L. Carlos Lara / Originally published on infinitebanking.org / Used with permission
Picture yourself having just recently returned from one of the most exciting vacations you have ever had. But you are home now and you begin reliving the trip’s experience. Suddenly you are unable to understand your wife’s words when she speaks to you. Furthermore, and worst of all, you are unable to share your own words and thoughts back to her. Now that would be a frightening experience for anyone. You silently ask yourself– “has something gone wrong”? Am I ok? Am I sick? Actually, yes, there is something wrong. This is what is known as “aphasia,” a language disorder that’s caused by damage to the brain and caused by a serious stroke.
L. Carlos Lara Nelson Nash Institute
David Knopman, MD, a professor of neurology at the Mayo Clinic in Rochester, Minnesota, explains the signs and disorder of aphasia in this way. “The difficulties in processing or expressing verbal and written communication are obvious only to the patients themselves, or the people around them.” It’s not that they cannot hear those talking to them, it’s a perception issue and why some doctors refer to it as “perception aphasia.” In desperation to articulate their thoughts to others the pitch of their voices intensifies and it comes off as anger, but the victim cannot control it. Even though they apologize for their actions to others, nonetheless, the isolation it leaves behind for the stroke victim is intense, and it’s scary to family and all others around him.
Aphasia has various causes and is usually triggered by serious trauma, like a gunshot wound to the head. If this issue is new to you and you have never heard of aphasia it’s actually quite common, affecting 2 million Americans annually.
Sharon Stone, the Basic Instinct star and Oscar-nominee suffered a brain aneurysm in 2001 at age 43 and the subsequent cerebral hemorrhaging destroyed her career. She had lost her ability to read and has developed speech issues, including a stutter. In her own words she shares what she had to do about it. She says, “I became more emotionally intelligent. I chose to work very hard to open up other parts of my mind. Now I am stronger. And I can be abrasively direct. That scares people, but I think that’s not my problem. It’s like, I have brain damage; you’ll just have to deal with it.” That attitude is very harsh and difficult to accept, especially by family members.
Another example of aphasia is what happened to Emilia Clarke of Game of Thrones fame. She experienced a painful headache in 2011 that she says felt like an elastic band was squeezing her brain. She was actually suffering an uncommon type of stroke caused by bleeding on the surface of the brain. During the ordeal she could not remember her name. She explains, “Instead, nonsense words tumbled out of my mouth and I went into a blind panic. I’d never experienced fear like that–a sense of doom closing in.” Emilia was very lucky because fortunately the aphasia left her after a few days and she returned to herself, but she has never forgotten the experience.
This was not the case for Randy Travis, the Grammy-winning music star. He suffered a stroke in 2013 and lost his ability to talk, much less, comprehend language. Even now his struggle with aphasia continues and his ability to speak is limited. As he explains, “In my case, my brain was functioning, and I could understand what Mary (Travis’s wife) said to me, but I could not respond in anything close to a sentence. When we first returned home, I could barely speak at all. We spent three months in speech therapy before I learned to say the letter ‘A.’ Eventually, after about a year and a half, I could say ‘yup,’ ‘nope,’ and ‘bathroom.’ I could also say ‘I love you’ and a few other phrases but not much more. All this was extremely frustrating for me; I felt like I was trapped inside the shell of my body.”
That feeling of being trapped inside your own body certainly hits home with me. I suffered a stroke on June 17, 2019 and the battle with aphasia became my own. I still cannot read, right, or add and subtract, but I have learned phone and computer shortcuts that help me keep going. I have mentioned several celebrities here in this article, but the truth is that strokes and, or aphasia, is no respecter of persons. It can happen to anyone, young or old. One minute you are working out at the gym, fit and strong, like I was once, and the next minute a stroke comes upon you like a ravenous wolf and ruins your life probably for forever.
Three years later after my stroke I realize now how important health and life insurance coverage really is. My hospitalization costs you would not believe, they were enormous. Thank God I had medical coverage. Yet, unlike most developed nations, the US health system does not provide health care to our country’s entire population. Instead, most citizens are governed by a combination of private insurance and various federal and state programs.
According to the World Health Organization (WHO), total health care spending in the U.S. was 18% of its GDP and continuing to climb higher leading it into a “dysfunctional” system. As an example, the Cato Institute claims that because government intervention has expanded insurance availability through programs such as Medicare and Medicaid, the problem is exacerbated. Because the U.S. health system is also the most expensive and worst-performing in terms of health access and efficiency, 27 million adults do not have health insurance. This causes roughly 18,000 unnecessary deaths every year in the United States.
A 2009 study in five states found that medical debt contributed to 46.2% of all personal bankruptcies, and 62.1% of bankruptcy filers claimed high medical expenses in 2007 according to a Wikipedia article. It goes on to say that since then, health costs and the numbers of uninsured and underinsured have increased. A 2013 study found that about 25% of all senior citizens declare bankruptcy due to medical expenses. In practice, the uninsured are often treated, but the cost is covered through taxes and other fees which basically shift the cost.
More importantly, the US healthcare system does not sufficiently promote wellness. Over the past decade rates of obesity, heart disease and type 2 diabetes are areas of major concern. While chronic disease and multiple illnesses became increasingly common among a population of elderly Americans who were living longer, the public health system has also found itself fending off a rise of chronically ill younger people. According to the US Surgeon General “The prevalence of obesity in the U.S. more than doubled (from 15% to 34%) among adults and more than triple (from 5% to 17%) among children and adolescents from 1980 to 2008.”
What so many people do not realize is that the best type of health coverage can be obtained by the oldest and original insurance policy in America, the Dividend Paying Whole-Life Insurance Policy. In fact, it is the best kept secret in America. Whole- Life not only pays a death benefit to the insured’s beneficiaries at death, but it also provides the insured living benefits while alive. In fact, this is what it does best, therefore, understanding what it is and how it works is essential, but this information is not readily available. R. Nelson Nash, the founder of the IBC concept has written a book that explains the mechanics on how to turn your policy into a financing instrument and is the main reason why the book, BECOMING YOUR OWN BANKER, has sold millions of copies worldwide. More recently, Nelson Nash, David Stearns, Robert Murphy and myself created the Authorized IBC Practitioner Course for financial professionals. It is the only financial course of its kind that helps individuals understand the “the Infinite Banking Concept” and it can be obtained at infinitebanking.org
Basically, the course teaches that the core element of a life insurance policy is the death benefit, but the financing function of the policy is made possible because the owner can take out policy loans with the surrender value of the policy serving as collateral. This is a legal right that is provided to all policy owners and is spelled out in the language of the insurance contract. Assuming you understand IBC and own such a policy, the following message is for you.
There are several things to consider at the outset before deciding whether to use cash or a policy loan, the first of which is the nature of the expenditure itself. We should begin by asking ourselves if the expenditure we have in mind is a lifestyle “necessity,” a reduction of debt, or an investment. If it is any of these types of expenditures my personal preference is to use a policy loan after I have first put the cash in the PUA Rider of my policy, simply because these types of expenditures, given the mechanics of IBC policies, serve to conserve and grow the wealth I already own.
This wealth that I already own actually exists inside and outside my IBC policy. So, in effect the triggering of this wealth increase generated by the injection of the cash into my policy’s PUA Rider will partially offset the interest charges on the loan. But in certain situations (mostly in the future), the expenditures I have selected to pay for using my policy loan will have the potential to completely offset the entire loan balance when they are sold for a profit.
Let me explain. Lifestyle necessities, as I see them, can be thought of as repairs, maintenance, and replacement costs of facilities and infrastructures that serve to increase my future production, and/or future revenue. Debt reductions serve to increase net worth. Investments appreciate and then can be sold for a profit. Hence all three of those types of expenditures contribute to building my estate in the long run and are appropriate expenditures for using a policy loan.
For example: A car that is used up and needs replacing is, in my opinion, a lifestyle necessity. So is the replacement of a mayor home appliance that has reached the end of its it’s usable life, such as a heat and air unit in your home or office. Or, it could be the roof over your head, or any expense that can easily be classified as an on-going life style essential that needs fixing or replacing to keep it operational and help maintain the market value of it’s underlining asset that can be sold at a profit or at least converted to cash.
On the other hand, living expenses such as food, gasoline, utilities, clothing, and similar consumption costs are completely different types of expenditures. They should be paid for with cash, not policy loans. Now there is certainly nothing in writing that says you can’t use policy loans to pay for these types of bills, or any type expenditure of your choice. But if you are truly attempting to manage your money well and grow an estate you should draw the line between lifestyle necessities that affect the growth and value of your estate and those that don’t. Otherwise you would wind up using your IBC policy as though it were an ATM machine practically every month, which is a gross misinterpretation of IBC.
Windfalls Windfalls also play a major role when considering taking out policy loans versus paying with one’s base working capital (the cash in our checking accounts). We should never forget that we are “banking” with these policies, which involves the full scope of cash management and finance. Although a windfall is often thought of as a piece of unexpected good fortune, typically one that involves a large amount of money, sound money management can create windfalls. As IBC “bankers” we should manage our money with expected windfalls in mind. In fact, all of our efforts should strive to create windfalls and policy loans can be used for that specific purpose.
For example: Let’s take the case of an expected, or even an unexpected, family inheritance. This event can certainly be described as a windfall, actually more like a gift from heaven–an expression of love in the form of money from a deceased family member. A bonanza such as this can take care of a lot of previous money mistakes for some lucky person or family.
Yet an IBC Practitioner, by the mere fact that he has taken out an insurance policy and has assigned a beneficiary to it, has already taken a very first important step toward establishing an estate. If he or she now begins to take out policy loans in the manner prescribed above, over time this privatized banking system will create living benefits for the policy owner while alive, and an inheritance (windfall) for the beneficiary upon death.
Keep in mind that what we are doing is practicing IBC while “thinking long range” as Nelson Nash advocates. Also, with everything that I have stated up to this point in our exploration, I have been addressing it to salaried individuals and managers of households. What I am trying to make clear is that when practicing IBC, you must learn how to start thinking like a business owner because, whether you realize this or not, an IBC policy has placed you squarely in the management role of a business–a banking business.
Business owners reading this analysis are more naturally inclined to understand the points I have made thus far in this report in addition to understanding the value of creating windfalls, because this is their modus operandi. Business owners use business profits (after taxes) to deliberately invest in hard assets that they hope to sell in the future at a profit. Since they generally think of their business enterprise as their chief asset, they tend to reinvest these profits into their business in order to increase their wealth and eventually sell the business in the future—as the final windfall.
In the meantime, and at great risk to themselves, business owners will not hesitate to take out loans and borrow from lines of credit from commercial banks in order to create those windfalls. But once they become their own bankers using IBC, policy loans take preeminence over commercial bank loans. Space constraints prevent me from unpacking each of the steps business owners use to wean themselves away from commercial banks using IBC, but for a complete treatment of how they make the switch, please read my newest book co-authored with Bob Murphy, Nelson Nash, and David Sterns, The Case for IBC. https://infinitebanking.org
The Power of Whole Life Let’s also not forget that dividend-paying Whole Life not only has multiple-dimensional benefits unlike any other financial instrument, but it also has three very important characteristics that are foundational to this particular discussion. Briefly summarized, the first of these is the legal right every policy owner has in his policy contract to take out policy loans so long as he or she has cash value in the policy.
Second. Although an outstanding policy loan rolls over at interest, you can pay the loan back on your own terms and schedule, or not at all, if you wish. This is extraordinary! That kind of payment flexibility on any kind of loans exists nowhere else in the financial world, but obviously with that kind of freedom also comes responsibility. With regards to this I have a suggestion. My August 2017 LMR article, “An IBC Tax Strategy: Part III,” contains a thorough treatment of the most important discretionary guidelines on policy loans that every policy owner should know. The 2017 article is a great companion to this article because it breaks down the functions of practicing IBC correctly and responsibly and will eliminate the worry of a 1099 surprise or the worry of the IBC policy ever being underwater.
The third foundational characteristic of Whole Life is that no matter what amount of money you borrow from the life insurance company with the cash value serving as collateral, that very same amount of money continues to earn interest, dividends, and a growing death benefit in your policy for as long as you live and for as long as your policy remains in force. But when additional cash is injected into the policy’s PUA Rider it grows even more and it grows even faster. For that reason, all three of these elements of a specially designed Whole Life policy when used in combination make it the ideal financing system that every household and business owner should own.
Conclusion In this article we have examined IBC from an angle many advocates have not often considered. It is only when you have personally suffered a debilitating illness and what one has to go through, let alone your family, that the reality of the brevity of life sinks in. Nevertheless, because of Nelson Nash’s IBC, we get a chance at life once again. This is why we say that Privatized Banking is for everyone. It really is.
Written by L. Carlos Lara / Originally published on infinitebanking.org / Used with permission
In this constantly evolving financial landscape, the buzz around cryptocurrencies and blockchain technology seems to be growing louder by the day. This brief article aims to shed light on these topics and their potential implications on our financial systems.
Cryptocurrencies, led by the flag-bearer Bitcoin, have been in the spotlight for their potential to redefine money transactions. These digital assets promise decentralization, security, and ease of global transactions, thus attracting a huge interest from investors and technologists alike. However, they also bring along risks and volatility that need to be thoroughly understood.
On the other hand, blockchain, the underlying technology of cryptocurrencies, is being lauded for its potential far beyond digital currencies. From supply chain management to secure voting systems, blockchain could bring about transparency and efficiency in numerous industries.
As we navigate these new waters, it’s crucial to stay informed and understand the complexities involved. Despite the promise they hold, cryptocurrencies and blockchain also present potential pitfalls. It’s important to conduct proper research or consult with a financial advisor before making any major decisions in this domain.
In light of the dynamic and sometimes unpredictable world of cryptocurrencies and blockchain, it’s crucial to also consider alternative financial strategies that offer steady growth and security for your funds.
One such strategy is the Infinite Banking Concept (IBC).
The Infinite Banking Concept is based on the use of a properly structured, dividend-paying whole life insurance policy. The goal is to create a system where you essentially become your own bank. Over time, as you pay premiums and earn dividends, you can grow a substantial cash value within your policy. This cash value can be borrowed against for any purpose, all while your policy continues to earn dividends. One of the main benefits of Infinite Banking is its predictability. Unlike cryptocurrencies, which can be extremely volatile, the growth of a whole life insurance policy is guaranteed and steady. You won’t need to worry about sudden market changes devaluing your investment. Instead, you can feel secure in the knowledge that your funds are growing at a consistent rate.
Additionally, the Infinite Banking Concept provides a unique blend of liquidity, use, and control of your money. By becoming your own bank, you can have access to your money without the penalties, fees, and restrictions that can come with other financial products.
In the ever-changing financial world, staying informed about a broad range of options is the best way to ensure the growth and security of your investments. Whether you’re considering dipping your toes into cryptocurrencies, or pondering the Infinite Banking Concept, careful consideration and sound financial advice are essential.
Remember, financial security is a journey, not a destination. Patience is key. Think long-range.
Want to learn more about Infinite Banking? Reach out!
The recent banking crisis has demonstrated the vulnerability of traditional banking systems. Multiple banks have collapsed, leaving their customers stranded and financially devastated. In such a volatile environment, is it wise for real estate investors to trust their hard-earned money to these unstable institutions? There is an alternative: the Infinite Banking Concept (IBC).
The IBC is a financial strategy that enables an individual to become their own banker. Instead of relying on traditional banks that can collapse or fail, IBC encourages individuals to utilize whole life insurance policies with cash values. These cash values can be borrowed against, ensuring your money remains within your control, providing a safety net against banking crises.
As you have seen, the United States is also currently experiencing unprecedented inflation levels, which can erode your real estate investment returns. When inflation rises, your purchasing power decreases, and the value of your money diminishes.
IBC can serve as an effective hedge against inflation. Cash values in whole life insurance policies grow on a tax-advantaged basis, providing a guaranteed, contractually-ensured rate of return that is often higher than inflation rates. Unlike traditional banking, the value of your ‘bank’ in IBC is not directly tied to the economy’s performance, thus offering protection against inflation’s corrosive effects.
The beauty of IBC is that it is not a financial strategy reserved only for the wealthy. Regardless of your current financial status, you can use the IBC to fund your real estate investments, and so many more things in life. Whether you’re purchasing a property, renovating a rental unit, or expanding your portfolio, IBC provides a readily available source of funds.
Moreover, the death benefit associated with the insurance policy provides a financial safety net for your loved ones, adding an extra layer of security to your investments. And as your policy’s cash value grows over time, so does your ability to invest and generate wealth.
In today’s uncertain economic environment, the Infinite Banking Concept can provide real estate investors with a stable and secure financial strategy. It offers protection against banking crises and hedges against inflation, all while providing a powerful tool for real estate investment. Regardless of your financial status, the Infinite Banking Concept is an accessible and practical tool to harness.
The banking crisis and inflation serve as reminders of the inherent risks in traditional financial systems. By contrast, the IBC allows you to take control of your finances, mitigating risk and promoting growth. For real estate investors, it’s a pathway to greater financial freedom and security.
Take your real estate investing to another level by implementing this unique financial strategy! We’re not here to change your real estate strategy – we’re here to show you how by changing the flow of your money, you can create financial velocity, beyond real estate, that can last for generations!
How much money would you save in life if you never had to pay interest to a lender again?
The Method. The Deal. The Legacy.
~Creating financial strategies to last for generations~
Learn how to build up a financial strategy that will not only help you with your real estate investment strategies, but also allow you to replace the bank, and be your own private family lender that can replace your car payment, your mortgage and even take you into retirement. We’ll also show you how this vehicle can go beyond all that and create a legacy that can last for multiple generations.
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