You a Banker? Yes, It's Possible

Why you should read this before 2014...

Having recently passed the Infinite Banking Institute Practitioner's Exam as taught by economists Robert Murphy and Carlos Lara along with Nelson Nash, author of Becoming Your Own Banker, I'm excited for the way of sound money practices you and your family could be implementing in 2014.  Why would I be excited about you becoming your own banker in 2014?

1.  You may learn information that could revolutionize your family financial picture for the next five, twenty, perhaps one-hundred or more years.  Infinite Banking is about implementation of imagination for wealth development, family legacy planning, financing your family needs and wants out from under governmental stipulations.  The things you can do as your own banker are infinite and could be started in 2014.

2.  I'm excited that you could become your own banker (and use me as your banking coach) because I'll be with you as your banking coach for the lifetime or your plan unless you or I pass away.  In other words, we get to hang out and find ways to help you develop your financial goals and dreams into reality.

3.  I'm excited for you to become your own banker because banks are making a killing off of us. Banks will no doubt be raising interest rates in 2014 to make even more money off you and I.  In the November 18 Special Edition of Bloomberg Businessweek p. 28 it clearly states that it's not a matter of IF rates will rise but when in 2014.  In addition savers have been clear losers in the last 30-years in the banking industry and these savers are moving on from banks to other modes of saving with higher yields.  Don't you think banks are going to want those savers to return to them?  As an aside the four largest banks in the U.S. made $214 billion in profit from the end of 2008 to third quarter this year.

By becoming your own banker and implementing the banking process for yourself you begin to practice sound money lending and spending habits while using your money AND you set the terms of repayment while you earn money in a tax-preferred environment.  Yes, 2014 could be rocky as far as commercial banking is concerned and the rise of interest rates - but I prefer to look at this not as a potential economic bust moment for you, but an opportunity for you to call me and allow me to introduce you to an unparalleled financial tool that is sound, proven, and tested but proven strong - The Infinite Banking Concept.

Call 816-588-2328 or write mzimmeribc@gmail.com for more information and insight.  You can become your own banker in 2014! Take control of your money and use all of it to create a financial tailwind for success.

What a Good Man Does

"A good man leaves an inheritance for his children's children."

Proverbs 13:22a

(A played out situation I wish I'd known 18 years ago)

Let's say you are a new parent.  You and your spouse bring home your first bundle of joy or your first adopted child and you are elated, scared, excited, tired already, dreaming of what this person will become.  Life begins to pick up as life does.  Baby goes from diapers to no diapers.  Baby goes from crawling to walking.  Time is moving quickly all the while you are thinking long range.  You are wise!  You know that as baby becomes child, child becomes preteen, preteen becomes teen, teen becomes young adult that there will be ever increasing expenses to meet the needs and even wishes of this child.

But your wisdom goes beyond the first twenty-five years of raising this person.  You want to set this kid up to succeed, really flourish in every way. And for this it takes money, lots of money.  So, what to do?  You don't have a ton of extra money to throw around or into fluctuating market ups and downs. So, you now think waaaaayyy outside the box.  You call on grandma and grandpa to begin a $2000 life insurance policy on your child and pay this same premium on the child in a dividend paying whole life policy with a mutual life company for the next 22 years.  The policy is initially set up with the grandparents as owners of the policy and to be passed on to the parents upon their death.  At the outset the policy is set up to emphasize cash accumulation and not death benefit.  After 22 years the "base premium" can be paid by dividends from the policy and surplus dividends buy additional paid up insurance moving forward.  The net effect being no additional outlay needed and face amount and cash value only grow ever increasingly.

In this example we have just shown the creation of financial "perpetual motion" beginning with one generation and moving through the cycle of many more to come as the process is repeated over and over again.  In this example, of which I would have employed for my kids, there are numerous advantages....

• It covers multiple generations - promotes long range planning
• Underwriting problems are minimized
• Tax free build up
• Precludes any need for Social Security
• Passive income is assured
• Estate planning is greatly simplified
• Wealth "mentality" passed from generation to generation.

Call me at 816-588-2328 to see how "What a Good Man Does" can begin a generational cycle of financial health for you and those you love.