Forms

If you were a farmer, would you rather save taxes on your seeds then
pay taxes on the harvest? Or would you rather pay taxes on the seeds
and not pay taxes on the harvest?

If your answer is the latter then you are optimizing your harvest - your
assets. How does qualified plans such as 401K, IRA, and all other
qualified plans work? You don't pay taxes on your contributions (seeds)
then you pay taxes on your withdrawals (harvest). How much would you
increase your NET spendable retirement income if it was tax favored?
What's 15-35% of your expected retirement income? Most people are not
aware of this or not educated enough about the consequences are and
what their options can be. By understanding your current financial plan,
the rate of return, safety of principal, taxation and what your options are,
you can potentially increase your Net Spendable Retirement income by
as much as 50% or more with the same amount of money going out of
your pocket.

Mortgage and Equity Management Strategy - Missed Fortune Concept.

Equity is not liquid.
Let’s create a hypothetical situation where a person has $200,000 of
equity built up in their house. Everything is fine until this person gets in
an automobile accident and can’t work for at least 6 months. The
disability checks are not enough to cover the mortgage and the car
payment, not to mention put food on the table. The first thing this person
might try to do is take out a home equity line of credit. Without a job,
however, the chances getting that credit from the bank are next to
nothing. Now the only option is to sell the house. This is not a good
predicament to be in.

Equity is not safe.
As illustrated in the above example, keeping money locked up in the form
of equity is not a safe investment. Housing prices can drop and so does
the equity that is tied up in the home. Worst case scenario, you need the
money. Banks are rarely in the business of lending money to people who
really need it. The only way to have a chance of getting that money is to
sell the house. It sits on the market for too long and the bank, which is
fully aware of the amount of equity that has built up, swoops in and
repossesses it.

Equity has no rate of return.
Worst cases aside, let’s take a look at equity from an investment
standpoint. The point of investing is to make money. To make money on
an investment there needs to be a positive rate of return. With a negative
rate of return you lose money, and with no rate of return your money just
sits there. Equity has no rate of return. There is no interest rate that is
compounding and causing it to grow. The only way that equity changes is
with the unpredictable fluctuations in the real estate market. In a falling
market the equity that is locked up in a house can shrink significantly.

The basic premise of the Home Equity Planning concept, based on
those three facts, is this:
If equity is cashed out and invested in a safe and predictable arena,
where there are compounded interest rates causing it to grow in a tax
free environment, such as a Universal Life policy, then the money can
grow unaffected by market fluctuations. In this situation the money is
liquid. It can be accessed, also free from income tax. Your equity,
properly managed, now becomes a viable retirement plan, far above and
beyond taxable 401(k)’s and IRA’s, which is another area in which this
concept can be put to use. Furthermore, when all is said and done, by
investing in a Universal Life product, you leave a sizable death benefit to
your heirs, all from money that would otherwise be sitting in some
mythical land where it is called equity, earning nothing.

Personal Family Infinite Bank Strategy:

What if you could recover the interest expenses you pay to finance cars
or other major purchases?

What if you could recover the “lost fortune” on the money you
needlessly give to financial institutions?

What if you could do this on a tax-free basis?

If your is answer yes, then would you?

You can, if you learn how to Become Your Own Banker.

The Infinite Banking Concept will teach you how to become your own
banker by:

Creating your own banking system using dividend-paying, permanent
life insurance.
Using available savings and cash flow to build your own “bank.”
Capitalizing and establishing your plan.
Using the method to finance your automobile purchases and even to
finance your home.
Expanding your system to accommodate all income through a system
of banks to increase your personal wealth.
How a business can use the concept for equipment financing.
The possibilities are infinite!

Becoming Your Own Banker, the Infinite Banking Concept also reveals
the truth behind the most important business in the world - banking. It
provides you with foundational financial wisdom that will help you
understand personal finance like never before.

Strategies

Strategies and Concepts

Doug Andrew

R. Nelson Nash