DEBT DIAGNOSIS

Reallocate your Cash Flow using Financial Certainty Solutions for Wealth Building

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Becoming Your Own Banker for Debt Elimination

 

When you pay off col­lege loan debts, credit card debts, car loan repay­ments etc. what hap­pens to the money you make those repay­ments with? It is gone for­ever. It is never com­ing back. It has per­formed one action for you, it has helped pay off one debt and that is all it has done.

If I could show you a way that would allow you to cap­ture much of the prin­ci­pal and inter­est charges back into your account, when would you want to learn how to do that?

Many peo­ple, after learn­ing about Infi­nite Bank­ing, either don’t come to see me because they think they have too much debt and so can­not afford another expense added to their budget,(but we uti­lize those same dol­lars) or wait till they have paid off their debt before they come to see me (not real­iz­ing they could have used that money mul­ti­ple times).

It sad­dens me when either of these sce­nar­ios occur and it also proves how brain­washed our soci­ety as a whole is, in regards to cash flow and how to best uti­lize their hard earned dol­lars. Life insur­ance when designed and uti­lized cor­rectly within a Mutual Insur­ance com­pany struc­ture, can mul­ti­task the same money you are pay­ing your debts off with. Of course you have to have some sav­ings and or be sav­ing while pay­ing off your debts for the best results.

Rather than inves­ti­gat­ing a whole dif­fer­ent par­a­digm of money man­age­ment, many peo­ple either ignore it, think­ing they could not pos­si­bly qual­ify or they do what they have always been taught to do, uni-task their dol­lars by throw­ing as much as pos­si­ble towards debt prin­ci­pal pay off to save inter­est charges with­out con­sid­er­ing the lost oppor­tu­nity costs asso­ci­ated with the spend­ing of those dollars.

Read the rest of this post »

July 28, 2012 · Jennifer · 3 Comments
Tags: becoming your own banker, Buy term and invest the difference, compound interest, Dbet Elimination, infinite banking, IR, nelson nash, ROR · Posted in: Debt Elimination with Becoming Your Own Banker, Uncategorized

My Win Win Offer — The Bible of Banking — Becoming Your Own Banker

 

 

                                                                                  

                                                                                   $22 includes ship­ping in USA

 BECOMING YOUR OWN BANKER by Best­selling Author, R. Nel­son Nash

— —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  —  — —

and his newest book, avail­able today 8/31/2012

Build­ing Your Ware­house of Wealth.

 

 

 

Nel­son Nash, sign­ing ‘Becom­ing Your Own Banker’ and ‘How Pri­va­tized Bank­ing Really Works’ for

Jen­nifer Hansen, in Salt Lake City, Utah on August 13 and 14th 2010, dur­ing a three day training.

 

 

 

 Do you bor­row money from your bank? Do you deposit money in your bank?

I struc­ture Pri­vate Reserve Bank­ing Sys­tems for my clients by using the same 200 year old con­cept that ALL major banks use today.

* I can show you how to cre­ate wealth with­OUT invest­ing and with­OUT risk.

 

  * See an exam­ple of how cash can flow in and out of your own pri­vate reserve bank­ing sys­tem here.

 

* I can show you how you can spend more time doing what you love while sav­ing taxes and while build­ing a tax free retire­ment. Does this sound like some­thing you would want to know more about?

* If not, how about know­ing how to earn inter­est on money you have spent?

* Or what about how after financ­ing a car, for instance, you end up with the car, the prin­ci­ple and the inter­est at the end of the term?  In fact, you turn your lia­bil­ity into an asset ! If that isn’t enough to make your socks roll up and down your legs then what about this:

* Term Insur­ance has one prob­lem: It only pays if some­one passes. What if you could get every last cent of pre­mium back at the end of the term? How are your socks rolling now?

* I can also show you how you will never have to go back to a bank for a loan, does that inter­est you?

Read the rest of this post »

August 16, 2010 · Jennifer · 7 Comments
Tags: becoming your own banker, best selling author, bible of banking, Debt, diagnosis, favorite charity, how privatized banking really works, IBC, infinite banking, infinitebanking.org, major banks, nelson nash, private banking, R. Nelson Nash, salt lake city utah · Posted in: Becoming Your Own Banker, Book - MONEY BACK GUARANTEE, BOOK RECOMMENDATIONS

How Privatized Banking Really Works

How Pri­va­tized Bank­ing Really Works

Inte­grat­ing Aus­trian Eco­nom­ics with the Infi­nite Bank­ing Con­cept By L. Car­los Lara and Robert P. Mur­phy, PhD. What if there was a solu­tion to gov­ern­ment inter­ven­tion and our cur­rent money mad­ness? Would you hes­i­tate one minute in want­ing to know what it is? Of course not! No one would. The prob­lem is so per­va­sive that a solu­tion seems impos­si­ble and yet, there is a solu­tion. This solution’s only require­ment is the action of a sin­gle per­son act­ing in a man­ner to help only him­self, but in so act­ing ulti­mately he helps all of society.

See Free E-Book Ver­sion Below.

Read the rest of this post »

August 16, 2010 · Jennifer · No Comments
Tags: Austrian Economics, How Banking Really Works, Infinite Banking Concept, Lara and Murphy, nelson nash, Privatized Banking · Posted in: BANKING with INSURANCE, BOOK RECOMMENDATIONS, FINANCIAL EDUCATION 101, How Banking Really Works, How Privatized Banking Really Works, NELSON NASH

The Retirement Gamble — FrontLine on PBS

FRONTLINE on PBS has aired a one hour pro­gram enti­tled The Retire­ment Gamble. .

They also have fea­tured R o b e r t H i l t o n s m i th who wrote the Retire­ment Sav­ings Drain

Click the link below to watch it

 

http://www.pbs.org/wgbh/pages/frontline/retirement-gamble/

May 24, 2013 · Jennifer · No Comments
Tags: FRONTLINE, R o b e r t H i l t o n s m i th, Retirement Gamble · Posted in: RETIREMENT, Retirement Gamble

The Retirement Savings Drain

Click link below for full pdf article

The Retire­ment Sav­ings Drain

 

b y R o b e r t H i l t o n s m i th

The brief sim­pli­fies the com­plex world of 401(k) fees by expos­ing four major fee cat­e­gories: admin­is­tra­tive, mar­ket­ing, asset man­age­ment, and trad­ing. It details the costs of these fees, nearly all of which are borne by employ­ees, and explains why these fees are so high. It ends with our cal­cu­la­tions of the real costs of fees to sev­eral types of savers, and argues that the inher­ent inef­fi­cien­cies of the 401(k) sys­tem neces­si­tate a com­plete over­haul, rather than a tweak, of that system.

• Trad­ing fees:
The costs incurred by the fund when buy­ing and sell­ing the secu­ri­ties (bonds, stocks, etc.) that com­prise a mutual fund’s under­ly­ing assets.

• Admin­is­tra­tive fees:
Fund expenses for keep­ing records, pro­vid­ing state­ments, pro­cess­ing trans­ac­tions, ensur­ing the plan com­plies with applic­a­ble reg­u­la­tions, answer­ing savers’ ques­tions, and pro­vid­ing cus­tomer service.

• Asset man­age­ment fees:
Salaries for port­fo­lio man­agers (who over­see dif­fer­ent por­tions of a fund’s assets), invest­ment researchers, and the other employ­ees respon­si­ble for fund’s investments.

• Mar­ket­ing fees:
Also called 12b-1 fees, these include the expense of inform­ing savers and poten­tial savers about the mutual fund, includ­ing adver­tise­ments, brochures, and other infor­ma­tional mate­r­ial. Increas­ingly, mutual funds are lump­ing together a num­ber of other costs under the umbrella of 12b-1 fees, includ­ing rebates to 401(k) “recordkeepers” — the com­pa­nies that bun­dle
var­i­ous mutual funds into a 401(k) plan, sell it to employ­ers, and then keep the records for the savers in the 401(k)s.

 Watch this FRONTLINE one hour pro­gram that fea­tures Robert Hilton Smith — to watch click here.

May 24, 2013 · Jennifer · No Comments
Tags: 401(k), administrative fees, Asset Management Fees, marketing fees, retirment savings drain, trading fees · Posted in: FEES - 401k

Facebook’s first funder just backed TransferWise, a startup that’s like an ancient Islamic money transfer system

Here’s how Trans­fer­Wise works: Nikos, a Greek migrant in Lon­don, pays £100 pounds to the web-based ser­vice via his British bank or debit card and asks for it to be sent to Athens, where his brother lives. TransferWise’s algo­rithm finds some­one in Greece, let’s call her Alexa, who wants to send money over to Lon­don. She’s put her funds in as well. Trans­fer­Wise takes the cash out of its own British hold­ings and sends it to Nikos’s bank account. Its arm in Greece does the same for Alexa. Presto: everybody’s got their remit­tance and the involve­ment of banks remained strictly domestic.

Click on link to find full article.

http://qz.com/84388/facebooks-first-funder-just-put-his-money-into-a-start-up-thats-a-lot-like-an-ancient-islamic-money-transfer-system/

May 16, 2013 · Jennifer · No Comments
Tags: Facebook Founder, Peter Thiel, TransferWise · Posted in: TransferWise

What does “Participating Policyholder” and “Divisible Surplus” mean for a Life Insurance Owner?

As a par­tic­i­pat­ing pol­i­cy­holder, you are eli­gi­ble to receive an equi­table por­tion of a Company’s earn­ings, known as “divis­i­ble sur­plus”, in the form of pol­icy div­i­dends. The sur­plus from which div­i­dends are paid comes pri­mar­ily from three sources:

1. Mor­tal­ity Sav­ings — The favor­able mar­gin between actual death claim expe­ri­ence and the amount expected based on the mor­tal­ity table used to deter­mine the premium.

2. Invest­ment Earn­ings — Earn­ings on Com­pany invest­ments that exceed the guar­an­teed inter­est required to build up death ben­e­fit reserves and meet con­trac­tual oblig­a­tions. The  guar­an­teed inter­est rate for a par­tic­u­lar pol­icy or rider is set at issue and does not change over the life of the pol­icy. The guar­an­teed inter­est rate is reflected in the policy’s guar­an­teed cash value increases.

3. Expenses — The dif­fer­ence between actual expenses incurred and the expenses assumed in deter­min­ing the premium.

 

The Dif­fer­ence between and Stock and a Mutual com­pany. Some stock com­pa­nies do have par­tic­i­pat­ing whole life insur­ance prod­ucts because they used to be a mutual com­pany before they con­verted to stock and they kept their same par­tic­i­pat­ing pol­icy arrangement.

May 14, 2013 · Jennifer · No Comments
Posted in: Uncategorized

EVA: The Real Key to Creating Wealth — Book Recommendation

Book Descrip­tion

Pub­li­ca­tion Date: Octo­ber 21, 1998

Called “today’s hottest finan­cial idea and get­ting hot­ter” by for­tune mag­a­zine, Eco­nomic Value Added (EVA) is the topic of con­ver­sa­tion in finan­cial cir­cles around the world, from Ger­many and Japan to Sin­ga­pore and South Africa.

A rev­o­lu­tion­ary strat­egy for cre­at­ing cor­po­rate and share­holder wealth that mea­sures a company’s real prof­itabil­ity,  it has been adopted by such promi­nent cor­po­ra­tions as Coca-Cola, Eli Lilly, and Siemens AG-with spec­tac­u­lar finan­cial results.

Yet, despite its increas­ing vis­i­bil­ity, most exec­u­tives still only have a vague notion of what EVA is and what it can do for their company.

This ground­break­ing book explains and clar­i­fies all. Writ­ten by Al Ehrbar, a lead­ing busi­ness jour­nal­ist and senior vice pres­i­dent at EVA inven­tor Stern Stew­art & Co., EVA: The Real Key to Cre­at­ing Wealth pro­vides a com­plete, acces­si­ble overview that exam­ines how exactly EVA works, how it is mea­sured, what it can do to struc­ture incen­tives for employ­ees, and why it is as potent as it is.

At its most basic, Eco­nomic Value Added is a mea­sure of cor­po­rate per­for­mance that dif­fers from most oth­ers by charg­ing profit for the cost of all the cap­i­tal a com­pany employs, includ­ing equity.

To help trans­late prin­ci­ple into real-world prac­tice, Ehrbar presents reveal­ing case his­to­ries of EVA suc­cess sto­ries, includ­ing those of Briggs & Strat­ton, the U.S. Postal Ser­vice, and Coca-Cola, which was cat­a­pulted from medi­oc­rity   to the num­ber one wealth cre­ator in the world with the addi­tion of EVA. An in-depth look at a break­through idea whose impact is being felt from cor­po­rate board­rooms to Wall Street, this indis­pens­able book is must read­ing for busi­ness lead­ers look­ing to fully grasp-and profit from-“the real key to cre­at­ing wealth.”

 

http://www.amazon.com/dp/0471298603/ref=as_li_ss_til?tag=becyouownban-20&camp=0&creative=0&linkCode=as4&creativeASIN=0471298603&adid=0RR3F7GJAJETGQF28QEA#reader_0471298603

 

http://debtdiagnosis.com/2011/10/09/eva-defined-economic-value-added/   Ask me for the pass­word to this post. Jennifer@DebtDiagnosis.com

 

May 6, 2013 · Jennifer · No Comments
Tags: by Al Ehrbar, EVA, EVA: the Real Key to Creating Wealth · Posted in: EVA - The Real Key to Wealth Creation

Buy Term and Save the Difference, Buy Term and Invest the Difference or Buy Whole Life Instead?

 

Click on the link below to view the 38 minute video of,

Scott Chris­tensen, prov­ing why we believe buy­ing whole life insur­ance, designed for pri­va­tized banking,

is a bet­ter choice than

“Buy­ing Term and Invest­ing the Difference”

 

Buy Term and Save the Dif­fer­ence, Buy Term and Invest the Dif­fer­ence or Buy Whole Life Instead?

If you can­not see the above video, watch the video below. It is a record­ing of the recorded webi­nar and not as good quality.

Read the arti­cle at the link below,

by Aus­trian Econ­o­mist, Robert Mur­phy,  that

debunks the myth of ‘Buy Term and Invest the Difference.’

Debunk­ing “Buy Term and Invest the Difference”

 

May 6, 2013 · Jennifer · No Comments
Tags: buy term invest the difference, debunk buy term invest the difference, Robert Murphy, Scott Christensen, whole life insurance · Posted in: Debund Buy Term Invest Difference, Uncategorized

When Buffett worries about the Fed, you know there is a MAJOR problem!

Says he admires Ben Bernanke, but thinks the Fed chief may have over­played his hand.

FORTUNE — War­ren Buf­fett has a piece of advice for Ben Bernanke: It’s eas­ier to buy than it is to sell.

Buf­fett, speak­ing on Sat­ur­day at Berk­shire Hathaway’s (BRKA) annual meet­ing in Omaha, said he is wor­ried about what will hap­pen when the Fed­eral Reserve tries to wind down its recent efforts to stim­u­late the econ­omy. Via a pro­gram nick­named QE, short for quan­ti­ta­tive eas­ing, the Fed in recent years has bought up over $2 tril­lion in bonds in order to lower inter­est rates and pro­mote bor­row­ing and investment.

Some have warned that when the Fed decides to sell its trove of bonds, or even just stops adding to it, stock mar­kets could tank. Ris­ing inter­est rates could cause banks to lose bil­lions, per­haps ignit­ing another finan­cial cri­sis. Buf­fett says we don’t know what will hap­pen, but he is concerned.

Read the whole arti­cle at the link below.

http://finance.fortune.cnn.com/2013/05/04/buffett-worries-about-feds-huge-experiment/

May 5, 2013 · Jennifer · No Comments
Tags: Buffett worries about Fed's 'huge experiment' · Posted in: Buffett worries

Protected: Paid Up Addition and Term Conversion with PUA rider Company Comparison.

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April 30, 2013 · Jennifer · Enter your password to view comments.
Posted in: Uncategorized

Protected: 10) More on EVA — The Crux of the Private Reserve Infinite Banking Strategy

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April 22, 2013 · Jennifer · Enter your password to view comments.
Tags: arrival syndrome, banknotes, becoming your own banker, Economic Value Added, EVA, EVA basics, Fortune Magazine, infinite banking, Jim Rohn, nelson nash, parkinson's law, private reserve strategy, The Golden Rule, Use it or lose it, Willie Sutton's law · Posted in: EVA Basics, EVA Economic Value Added, EVA© - Economic Value Added, LESSONS, More on EVA, PASSWORD PROTECTED, PRIVATE RESERVE STRATEGY™

545 vs. 300,000,000 Peo­ple — Charley Reese’s Final column! — Orlando Sentinel — On Politicians and Taxes

Please read!

READ, WEEP, PRINT AND KEEP!

This should be on the front page of every news­pa­per.


Charley Reese’s Final col­umn!

A very inter­est­ing col­umn. COMPLETELY NEUTRAL.
Be sure to Read the Poem at the end..

Charley Reese’s final col­umn for the Orlando Sen­tinel… He has been a jour­nal­ist for 49 years. He is retir­ing and this is HIS LAST COLUMN.

Be sure to read the Tax List at the end.

This is about as clear and easy to under­stand as it can be. The arti­cle below is com­pletely neu­tral, nei­ther anti-republican or demo­c­rat. Char­lie Reese, a retired reporter for the Orlando Sen­tinel, has hit the nail directly on the head, defin­ing clearly who it is that in the final analy­sis must assume respon­si­bil­ity for the judg­ments made that impact each one of us every day. It’s a short but good read. Worth the time. Worth remem­ber­ing!

545 vs. 300,000,000 Peo­ple
–By Char­lie Reese

Politi­cians are the only peo­ple in the world who cre­ate prob­lems and then cam­paign against them.

Have you ever won­dered, if both the Democ­rats and the Repub­li­cans are against deficits, WHY do we have deficits?

Have you ever won­dered, if all the politi­cians are against infla­tion and high taxes, WHY do we have infla­tion and high taxes?

You and I don’t pro­pose a fed­eral bud­get. The Pres­i­dent does.

You and I don’t have the Con­sti­tu­tional author­ity to vote on appro­pri­a­tions. The House of Rep­re­sen­ta­tives does.

You and I don’t write the tax code, Con­gress does.

You and I don’t set fis­cal pol­icy, Con­gress does.

You and I don’t con­trol mon­e­tary pol­icy, the Fed­eral Reserve Bank does.

Read the rest of this post »

April 12, 2013 · Jennifer · No Comments
Tags: Charley Reese, Democrats, Final Column, journalist for 49 years, Orlando Sentinel, Republicans · Posted in: 2009 Tax Increases NY, Politicians & Taxes, TAXES

If You Want To Own A Home, Don’t Borrow Money To Go To Law School

Orig­i­nal Article — http://abovethelaw.com/2013/04/if-you-want-to-own-a-home-dont-borrow-money-to-go-to-law-school/ 

Per­son­ally, I would add to that Med­ical Doc­tor school etc. as well.

April 9, 2013 · Jennifer · No Comments
Posted in: Uncategorized

Want to be DEBT FREE? — One Day SEMINAR

If you are in the Las Vegas area, please let Joan know that I (Jen­nifer Hansen) sent you to this DEBT FREE sem­i­nar. Please call me on 845 – 649-7487 if you choose to fol­low the pro­gram so I can help you get started and sup­port you along the way.

April 6, 2013 · Jennifer · No Comments
Tags: Debt Free Seminar, Worth Unlimited · Posted in: DEBT ELIMINATION, DEBT FREE seminar

Comparing Whole Life versus Universal Life Insurance by Robert P. Murphy, PhD

Click the link below to access the Ban­kNotes article

Com­par­ing Whole Life ver­sus Universal

 

April 3, 2013 · Jennifer · 2 Comments
Tags: Comparing Whole Life versus Universal Life Insurance by Robert P. Murphy, PhD · Posted in: UNIVERSAL, VARIABLE, EQUITY INDEXED, Whole Life vs Universal

Free Tuition Software — for tracking student loan details.

Just found this awe­some look­ing soft­ware designed specif­i­cally for track­ing stu­dent loans mak­ing it eas­ier to know which loans to tackle first, how much you owe, where you are at in your amor­ti­za­tion sched­ules etc. and more.

Most loans will auto­mat­i­cally pop­u­late after you enter your information.

Best part is, at the moment it is free.

Go to https://www.tuition.io/ and begin tak­ing con­trol of your finances.

___________________________________________________________________________________

If you are look­ing for more that just col­lege loan help but a way to track ALL your loans, cheque and sav­ings accounts and credit and store cards, mort­gages, per­sonal loans busi­ness loans, all in one place, and be guided on the best way to pay off any debts you may have, if you have any, then check out the WORTH UNLIMITED soft­ware here. When I say ‘best way’ I mean; most effi­cient and saves the most inter­est charges, so keeps more money in your pocket.

I also use this soft­ware for track­ing my Hansen Fam­ily Bank­ing Sys­tem in which I prac­tice Becom­ing Your Own Banker.

 

It is sto­ries like these that may be pre­vented by using one of or both of these tuition and/or finan­cial softwares.

March 31, 2013 · Jennifer · No Comments
Tags: college tuition tracking software, tuition tracking, tuition.io · Posted in: 529 decline for college, 529 vs 7702, College Planning, COLLEGE SAVINGS PLANS, Tuition Tracking Software

Why Not UL for IBC?

Infi­nite Bank­ing: Why Not Use Uni­ver­sal Life?
8/10/10

A Brief His­tory of Uni­ver­sal Life Insur­ance:
Uni­ver­sal Life was cre­ated by E.F. Hut­ton in the 1980s to com­pete against the ‗buy term and invest the dif­fer­ence‘ mind set of the AL Williams Ter­mites. The invest­ment firm of E. F. Hut­ton is now part of the Cit­i­group family.

Read the rest of this post »

February 22, 2013 · Jennifer · No Comments
Posted in: UNIVERSAL, VARIABLE, EQUITY INDEXED, Why Not UL for IBC

Infinite Banking 2013 Think Tank, Birmingham, Alabama

Had a won­der­ful two days shar­ing infor­ma­tion and ideas.

 Scott Chris­tensen and Dr. Jason Hen­der­son dur­ing a break at the Think Tank.

Read the rest of this post »

February 12, 2013 · Jennifer · No Comments
Posted in: Uncategorized

Rich Man, Poor Man  —  Richard Russell

Rich Man, Poor Man

Richard Rus­sell

 

MAKING MONEY: The most pop­u­lar piece I’ve pub­lished in 40 years of writ­ing these Let­ters was enti­tled, “Rich Man, Poor Man.” I have had dozens of requests to run this piece again or for per­mis­sion to reprint it for var­i­ous busi­ness organizations. Mak­ing money entails a lot more than pre­dict­ing which way the stock or bond mar­kets are head­ing or try­ing to fig­ure which stock or fund will dou­ble over the next few years. For the great major­ity of investors, mak­ing money requires a plan, self-discipline and desire. I say, “for the great major­ity of peo­ple” because if you’re a Steven Spiel­berg or a Bill Gates you don’t have to know about the Dow or the mar­kets or about yields or price/earnings ratios. You’re a phe­nom­e­non in your own field, and you’re going to make big money as a by-product of your tal­ent and abil­ity. But this kind of genius is rare. Read the rest of this post »

February 11, 2013 · Jennifer · No Comments
Tags: Poor Man, Rich Man, Richard Russell · Posted in: Rich Man Poor Man, Richard Russell

Nelson Nash Seminar, Birmingham Alabama, Feb 5th and 6th 2013

Watch the video Nel­son Nash rec­om­mends, at the bot­tom of this post, called ‘The Banker’

Read the rest of this post »

February 6, 2013 · Jennifer · No Comments
Posted in: NELSON NASH, Nelson Nash Seminars

Ordinary Folk are Losing Faith in Stock Market.

http://finance.yahoo.com/news/ap-impact-ordinary-folks-losing-181003486.html?goback=.gde_3194930_member_210307235

February 2, 2013 · Jennifer · No Comments
Posted in: Uncategorized

What’s the BEST Way to Pay for College? Free Presentation Feb 21st.

Come find out at our free, one hour edu­ca­tional pre­sen­ta­tion on Feb­ru­ary 21st from 5 till 6 pm at the Orange County Cham­ber of Com­merce Gallery Room.

If you are unable to join us for this live pre­sen­ta­tion, call me any­way so we can pro­vide a pri­vate webi­nar for you to answer your questions.

REGISTER NOW by call­ing 845 – 649-7487.

Orange County Cham­ber address: 30 Scott’s Cor­ners Drive | Mont­gomery, NY 12549

 

 

 

 

COLLEGE PLANNING QUESTIONS:

 

1/  What is the best way to afford col­lege for my chil­dren with­out sac­ri­fic­ing my present lifestyle and my own retirement?

2/ What “plan­ning” can I do if my child is going to col­lege next year?

3/ What are the most com­mon mis­takes peo­ple make about finan­cial aid?

4/ Are 529 Plans the way to go in pay­ing for college?

5/ What are the key com­po­nents in deter­min­ing my family’s Expected Fam­ily Con­tri­bu­tion (EFC)?

6/ How can I improve my FAFSA profile?

7/ Do we make too much money to qual­ify for finan­cial aid?

8/ Are pub­lic uni­ver­si­ties really less expen­sive than pri­vate universities?

9/ I’ve got more than one child who will be attend­ing col­lege at the same time how can I pay for that?

10/ What are the best ways (and the worst ways) to bor­row money for college?

11/ I’m already pay­ing back my col­lege loans, is there any­thing I can do to improve my finan­cial posi­tion while repay­ing my loans?

 

 

 

 

 

 

January 14, 2013 · Jennifer · No Comments
Tags: 529 or alternative, Best way to pay for college, College, Planning · Posted in: College Planning

FORBES — Tax hikes hit trusts hard — beneficiaries pull money out before March 2013

 

The Inter­nal Rev­enue Ser­vice allows a 65-day grace period (through March 6, 2013 this year) to take dis­trib­utable net income out of the trust and treat it as dis­trib­uted in 2012.

 

http://www.forbes.com/sites/ashleaebeling/2013/01/09/tax-hikes-hit-trusts-hard-beneficiaries-pull-money-out/?goback=.gde_3694878_member_202949121

 

Cana­dian Tax Shel­ters Offer No Refuge from Uncle Sam.

http://www2.canada.com/news/canada/featured+letter+canadian+shelters+offer+refuge+from+uncle/7818820/story.html?id=7818820&p=1&goback=.gde_3694878_member_204774207

January 10, 2013 · Jennifer · No Comments
Tags: 2013, canadian tax shelters, IRS, TAX, tax hikes, tax shelters, trusts, uncle sam · Posted in: Tax Hikes, TAXES

Happy Happy 2013 to you. May you prosper in every way!

December 31, 2012 · Jennifer · No Comments
Posted in: Uncategorized

Milton Friedman — Myths that Conceal Reality.

December 23, 2012 · Jennifer · No Comments
Posted in: Uncategorized

How the Govt. is coming after your 401k and IRA

How the govt. is com­ing after your 401k and IRA

December 23, 2012 · Jennifer · No Comments
Tags: 401(k), govt wants your 401k · Posted in: 401(k), 401(k) Falls Short, 401(k) Hidden Fees, Avoid Qualified Plans, Insiders Look 401(k), Raiding 401(k) - Senate Bill Seeks to Limit, RETIREMENT

Qualified Plans Postpone Taxes NOT Save Taxes — There is a Superior Choice!

Thurs­day, Jan­u­ary 10th 2013 -  5:00 pm till 6:00 pm.

Join us for our Edu­ca­tional Sem­i­nar on Infi­nite Bank­ing as an alter­na­tive way to sup­ple­ment your  retire­ment savings.

Loca­tion: Orange County Cham­ber of Com­merce, Mont­gomery Meeting Room

30 Scott’s Cor­ners Drive | Mont­gomery, NY 12549 | Tel 845/457‑9700

Reg­is­ter Here Today! 

or call Jen­nifer 845 – 649-7487 or email Jennifer@DebtDiagnosis.com

There is no charge but you must book your seat as there is lim­ited space in the room. Thank you.

We are Small Busi­ness Growth Advisors.

Exam­ples of What We Teach and Offer Busi­ness Owners:

1. Imple­ment­ing pow­er­ful, lit­tle known tech­niques used by multi-billion dol­lar cor­po­ra­tions to improve bot­tom line prof­its while less­en­ing tax liabilities.

2. Trans­form­ing Lia­bil­i­ties into Assets.

3. Gen­er­at­ing Addi­tional Cash Flow   –   with­out chang­ing your cur­rent business model.

4. Mov­ing money from busi­ness accounts into per­sonal accounts in a tax advan­taged, even par­tially tax free manner.

5. Cre­at­ing Pri­vate Financ­ing Sys­tems that offer guar­an­teed penalty free line-of-credit where busi­ness owner sets the terms.

6. For­mu­lat­ing exit strate­gies that ensure com­pany and/or fam­ily vital­ity and longevity.

7. Insur­ing cap­i­tal for com­pany expan­sion regard­less of mar­ket or eco­nomic conditions.

8. Strate­gi­cally putting in place buy-sell agree­ments and how they should be funded to pre­vent bank­ruptcy, lit­i­ga­tion and other problems.

9. Under­stand­ing Life Insur­ance as a liv­ing benefit.

10. How to lever­age the Eco­nom­ics of Certainty.

December 3, 2012 · Jennifer · One Comment
Tags: infinite bankinf seminars, Qualified Plans, tax postponed · Posted in: Qualified Plans

Educational, Live, Infinite Banking Seminars — Orange County Chamber of Commerce — Montgomery, NY

DECEMBER 2012 CALENDAR

Thurs­day 13th — 8 am till 9 am

Thurs­day 20th — 1 pm till 2 pm

Loca­tion: Orange County Cham­ber of Com­merce, Mont­gomery Meet­ing Room

30 Scott’s Cor­ners Drive | Mont­gomery, NY 12549 | Tel 845/457‑9700

Debt Diag­no­sis — Finan­cial Well-Being Solu­tions will be hold­ing live edu­ca­tional sem­i­nars at the beau­ti­ful, new, Orange County Cham­ber of Com­merce build­ing in Mont­gomery New York on a reg­u­lar basis. Call to book your seat. No charge to attend.

See Cham­ber Cal­en­der for details at www.orangeny.com

PLEASE REGISTER TODAY TO SAVE YOUR SEAT!

We are Small Busi­ness Growth Advisors.

Exam­ples of What We Teach and Offer Busi­ness Owners:

1. Imple­ment­ing pow­er­ful, lit­tle known tech­niques used by multi-billion dol­lar cor­po­ra­tions to improve bot­tom line prof­its while less­en­ing tax liabilities.

2. Trans­form­ing Lia­bil­i­ties into Assets.

3. Gen­er­at­ing Addi­tional Cash Flow  –  with­out chang­ing your cur­rent business model.

4. Mov­ing money from busi­ness accounts into per­sonal accounts in a tax advan­taged, even par­tially tax free manner.

5. Cre­at­ing Pri­vate Financ­ing Sys­tems that offer guar­an­teed penalty free line-of-credit where busi­ness owner sets the terms.

6. For­mu­lat­ing exit strate­gies that ensure com­pany and/or fam­ily vital­ity and longevity.

7. Insur­ing cap­i­tal for com­pany expan­sion regard­less of mar­ket or eco­nomic conditions.

8. Strate­gi­cally putting in place buy-sell agree­ments and how they should be funded to pre­vent bank­ruptcy, lit­i­ga­tion and other problems.

9. Under­stand­ing Life Insur­ance as a liv­ing benefit.

10. How to lever­age the Eco­nom­ics of Certainty.

December 2, 2012 · Jennifer · 2 Comments
Tags: debt diagnosis, infinite banking educational seminars, montgomery new york, orange county chamber of commerce · Posted in: Infinite Banking Educational Seminars

“Rolling Jubilee” to buy distressed debt from financial firms, often for pennies on the dollar, and then canceling it so that borrowers do not have to repay

Do you have Defaulted Stu­dent Debt, Mort­gage Debt? Read this then.

http://www.democracynow.org/2012/11/15/rolling_jubilee_buying_up_distressed_debt

 

 

http://strikedebt.org/

November 16, 2012 · Jennifer · No Comments
Tags: mortgage debt, Rolling Jubliee, student debt · Posted in: DEBT ELIMINATION, Defaulted Debts

Protected: Avoid Possible Taxation from Policy Loans

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November 12, 2012 · Jennifer · Enter your password to view comments.
Posted in: Uncategorized

Protected: L32) Leveraging the Value of Certainty

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October 25, 2012 · Jennifer · Enter your password to view comments.
Tags: Economic Certainty, Leveraging the Value of Certainty · Posted in: CLIENT LESSONS, L32) Leveraging the Value Certainty

Protected: IBC Loan Interest — Who gets it?

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October 19, 2012 · Jennifer · Enter your password to view comments.
Tags: Life Insurance Loan Interest · Posted in: IBC Loan Interest, Life Insurance with Living Benefits

We Teach Business Owners 10 Strategies for Financial Success:

We are Small Busi­ness Growth Advisors.

Exam­ples of What We Teach and Offer Busi­ness Owners:

1. Imple­ment­ing pow­er­ful, lit­tle known tech­niques used by multi-billion dol­lar cor­po­ra­tions to improve bot­tom line prof­its while less­en­ing tax liabilities.

2. Trans­form­ing Lia­bil­i­ties into Assets.

3. Gen­er­at­ing Addi­tional Cash Flow – with­out chang­ing your cur­rent busi­ness model.

4. Mov­ing money from busi­ness accounts into per­sonal accounts in a tax advan­taged, even par­tially tax free manner.

5 Cre­at­ing Pri­vate Financ­ing Sys­tems that offer guar­an­teed penalty free line-of-credit where busi­ness owner sets the terms.

6. For­mu­lat­ing exit strate­gies that ensure com­pany and/or fam­ily vital­ity and longevity.

7. Insur­ing cap­i­tal for com­pany expan­sion regard­less of mar­ket or eco­nomic conditions.

8. Strate­gi­cally putting in place buy-sell agree­ments and how they should be funded to pre­vent bank­ruptcy, lit­i­ga­tion and other problems.

9. Under­stand­ing Life Insur­ance as a liv­ing benefit.

10. How to lever­age the Eco­nom­ics of Certainty.

October 16, 2012 · Jennifer · No Comments
Tags: Business Owners, infinite banking · Posted in: BANKING with INSURANCE, BUSINESS, Business Owners - IBC, Infinite Banking for Business Owners

Protected: L31) Understanding Section 4 of Nelson Nash’s best selling book ‘Becoming Your Own Banker’

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October 4, 2012 · Jennifer · Enter your password to view comments.
Tags: becoming your own banker, nelson nash, section 4 equipment financing · Posted in: CLIENT LESSONS, L31) BYOB Section 4

Protected: Eric’s Mass Screen Shots

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September 29, 2012 · Jennifer · Enter your password to view comments.
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Protected: Bill’s Mass Screen Shots.

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September 29, 2012 · Jennifer · Enter your password to view comments.
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L30) How Cash Flows Through Your Private Banking System

One Exam­ple of Cash Flow­ing Through A Pri­vate Reserve, Infi­nite Bank­ing System

“You will either own your own bank or you will be the cus­tomer of some­one else’s bank, but you can­not take bank­ing out of the equa­tion.” Nel­son Nash.

Ques­tion: Which cur­rent finan­cial vehi­cle works best for uti­liz­ing as a pri­vate reserve, infi­nite bank­ing system?

Answer: A div­i­dend pay­ing whole life insur­ance pol­icy with a mutual com­pany. Below you will see why. (Please note that: I do not rec­om­mend doing this with any type of UL, VUL or EIUL. (I am men­tion­ing this because some peo­ple call these poli­cies whole life when in fact they are a cost increas­ing annual renew­able term with a risky invest­ment side fund. Infi­nite bank­ing is all about safety and guarantees.)

The fol­low­ing post is ONE exam­ple of an INFINITE num­ber of ways this client could flow his money through his pri­vate bank­ing system.

The illus­tra­tion (fig. 1) below depicts his cur­rent debt and sav­ings infor­ma­tion. He does not have a lot of debt, but does have a nice amount of sav­ings and pays for his son’s col­lege  tuition with cash. After look­ing at his over­all finan­cial ques­tion­naire, I decided to depict how he could eas­ily afford a $30,000 annual premium.

 There are 2 credit cards and 3 cars that need to be refi­nanced into his own bank­ing system.

There is $37,311 sit­ting in a cor­ner bank sav­ings account and is con­sid­ered sleep at night money.

He also saves $1,000 every month and has about $1,950 of dis­cre­tionary income each month. He saves that up and then uses it to pay for tuition and other sur­prise expenses like plumbers etc. He also has some cash ($4,000) sit­ting in his check account.

(fig.1)

Read the rest of this post »

September 15, 2012 · Jennifer · 2 Comments
Tags: 7702 college, 7702 tuition, cash value, CV, how cash flows, IBC, infinite banking, private banking system, student loans, tuition payments · Posted in: CLIENT LESSONS, COLLEGE SAVINGS PLANS, L30) IBC CashFlow

Protected: L29) 10 Blunders Made by Baby Boomers.

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September 3, 2012 · Jennifer · Enter your password to view comments.
Posted in: CLIENT LESSONS, L29) Baby Boomer Blunders

What is Free Banking?

 

http://newmedia.ufm.edu/selginfreebanking

September 1, 2012 · Jennifer · No Comments
Tags: free banking, free banking videos, VIDEOS, What is Free Banking · Posted in: Uncategorized, VIDEOS, What is FREE BANKING?, What is Free Banking?

Income Taxes are Voluntary Compliance — When We Move, GOD Will Move — Joan of Arc

There is no law that states any­one of us HAS to pay income taxes. SO, Why Does the IRS Keep Telling Every­one that Income Tax is VOLUNTARY Compliance? — Steve Hempfling — 2010

Invited by the free enter­prise soci­ety to speak about how for the last 25 years he has been search­ing for the law that states it is manda­tory to have to pay income taxes. Has not yet found one.  54:36

 

http://www.welcome.freeenterprisesociety.com/

  Read the rest of this post »

August 14, 2012 · Jennifer · No Comments
Tags: income tax is voluntary compliance, Steve Hempfling · Posted in: Income Tax is Voluntary, TAXES, Voluntary Compliance, Voluntary Income Tax

Another Reason to take your money out of the Central Banking System.

Gary Null PhD. — The POWER of ONE. What can you do? starts at 24:30 — see also 25:42 — ends at 27:27.

One thing Gary Null sug­gests is we take our money out of their bank­ing sys­tem. Well, that is what Becom­ing Your Own Banker is all about. It gives you the legal, eth­i­cal, and easy way to do that. It is way more lucra­tive for you also, than using their cen­tral bank­ing sys­tem for your money.

July 28, 2012 · Jennifer · No Comments
Tags: Gary Null PhD · Posted in: Uncategorized

United States Budget Dilemma

July 23, 2012 · Jennifer · One Comment
Tags: united states budget dilemma, US Budget Dilemma · Posted in: US Budget Dilemma

Protected: L15) Are you increasing your wealth by refinancing from a 30 yr to a 15 year mortgage? You tell me after reading this.

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July 19, 2012 · Jennifer · Enter your password to view comments.
Tags: 30 or 15 year mortgage?, Does a 15 year mortgage save on interest charges? · Posted in: 30 or 15 yr mortgage?, L15) Mortgage Test

Forbes: The Fed’s Goal is to Devalue the Dollar by 33%.

The Fed­eral Reserve’s Explicit Goal: Devalue The Dol­lar 33%

The Fed­eral Reserve Open Mar­ket Com­mit­tee (FOMC) has made it offi­cial:  After its lat­est two day meet­ing, it announced its goal to devalue the dol­lar by 33% over the next 20 years.  The debauch of the dol­lar will be even greater if the Fed exceeds its goal of a 2 per­cent per year increase in the price level.

Read the rest of this post »

July 2, 2012 · Jennifer · No Comments
Tags: Fed's Goal to Devalue DOllar · Posted in: Fed's Goal to Devalue Dollar, FORBES

5 Key Assets / 5 Key Benefits / 5 Key Reliefs of Becoming Your Own Banker

5 Key Ben­e­fits of Becom­ing Your Own Banker

1  You become a loan com­mit­tee of one because you own and con­trol your pri­vate bank­ing system.

2  Your trans­ac­tions are pri­vate, and are not sub­ject to credit bureaus or lend­ing networks.

3  You recap­ture the inter­est once paid to other lend­ing institutions.

4  You cre­ate your own sys­tem of pri­va­tized fam­ily bank­ing branches to increase your per­sonal wealth.

5  You cre­ate a legacy for future gen­er­a­tions by teach­ing the Infi­nite Bank­ing Con­cept to your chil­dren and grand­chil­dren or your busi­ness co-owners.

Read the rest of this post »

June 22, 2012 · Jennifer · No Comments
Posted in: 5 Assets 5 Benefits 5 Reliefs 5 Wealth Increases, BANKING with INSURANCE

Those who understand interest earn it, those who don’t, pay it! Are student loan rates really what they seem?

Ein­stein said: “Those who under­stand inter­est earn it, those who don’t, pay it.”

Which are you; the earner or the payer? Check out this stu­dent loan being charged 2.9%. This per­son told me they were not in a hurry to pay back this loan because the inter­est rate was so low. But the rate is only a bank’s ref­er­ence #, it is not what they are actu­ally earn­ing off you. The vol­ume of inter­est this per­son is pay­ing is 12.172% of the total prin­ci­pal amount. Ein­stein had it right when he said the quote above. And peo­ple think noth­ing of this while they chase high rates of return on the volatile stock mar­ket. Where can you earn 12.172%, risk free? In your own pri­vate bank­ing sys­tem. Isn’t not los­ing 12.172% but instead cap­tur­ing that the same as earn­ing it? Call me today to set up a time to learn more and stop throw­ing your money away unknow­ingly and unnecessarily.

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June 18, 2012 · Jennifer · No Comments
Tags: 529 vs 7702, college savings, Einstein quote, interest, IRC 529 plan, IRC 7702 plan, student loan rates, student loans, utilizing debt within IBC system · Posted in: 529 vs 7702, COLLEGE SAVINGS PLANS, Interest VOLUME, Student Loan Rates, STUDENT LOANS

Direct vs Non-Direct Recognition Mutual Insurance Dividend Calculations. Is there Really a Difference?

My Per­sonal Expe­ri­ence of Track­ing What Hap­pens in Our Poli­cies When I Take a Loan

I own poli­cies in both Direct Recog­ni­tion and Non-Direct Recog­ni­tion insur­ance companies.

When I take a loan from any one of our Direct Recog­ni­tion poli­cies the death ben­e­fit is not low­ered at that time. Only when I die and the death ben­e­fit is passed on to my ben­e­fi­cia­ries will the out­stand­ing loans be deducted from the death ben­e­fit before the dif­fer­ence is paid out. So, to make up for the loan, when it is time to pay the div­i­dends, the rate that will be used to deter­mine what my div­i­dend on the amount of that has been loaned to me will be, will be slightly less than on the por­tion that has not been loaned.

With my Non-Direct Recog­ni­tion pol­icy, when I take a loan they imme­di­ately lower the death ben­e­fit accord­ingly. The amounts dif­fer and are not nec­es­sar­ily match­ing the amount of the loan but reflects how much that amount of money was actu­ally buy­ing in death ben­e­fit at that time. So this com­pany can say they do not lower the inter­est rate of their div­i­dends if you take a loan, which is the sell­ing point of the non-direct recog­ni­tion com­pany agents.

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June 17, 2012 · Jennifer · One Comment
Tags: direct vs non direct recognition, Dividends, mutual insurance · Posted in: Direct & Non-Direct Recognition, L22) Direct vs Non-Direct, Uncategorized

Becoming Your Own Banker — Sixth Edition — Available Today on NOOK!

Go to Barnes & Noble and get your NOOK so you you can read Nel­son Nash’s Newest Edi­tion of Becom­ing Your Own Banker.Unlock the Infi­nite Bank­ing Concept.

You can order a paper­back book copy here.

5 Key Ben­e­fits of Becom­ing Your Own Banker

1  You become a loan com­mit­tee of one because you own and con­trol your pri­vate bank­ing sys­tem.
2  Your trans­ac­tions are pri­vate, and are not sub­ject to credit bureaus or lend­ing net­works.
3  You recap­ture the inter­est once paid to other lend­ing insti­tu­tions.
4  You cre­ate your own sys­tem of pri­va­tized banks to increase your per­sonal wealth.
5  You cre­ate a legacy for future gen­er­a­tions by teach­ing the Infi­nite Bank­ing Con­cept to your chil­dren and grand­chil­dren or your busi­ness co-owners.

June 6, 2012 · Jennifer · No Comments
Posted in: Uncategorized

Privatized Financial Strategy for Business Owners — SEMINARS — July 17th & 18th 2012

Learn the Numer­i­cal Facts vs Finan­cial Fiction

 

* REGISTRATION CLOSED — NO WALK-INS. *

Lim­ited Seat­ing Avail­able so Reg­is­ter here today:  Reg­is­tra­tion Closes on July 15th.

June 2, 2012 · Jennifer · No Comments
Tags: becoming your own banker, Becoming Your Own Banker Seminars, Craig FLoyd, Hampton Inn, infinite banking, jennifer hansen, Matamoras, nelson nash, Private Reserve Strategy Seminars, Privatized Financial Strategy, Semianrs · Posted in: Privatized Financial Strategy Seminar

Protected: L27) The Importance of Ownership & Beneficiary Designations in Life Insurance Policies.

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May 29, 2012 · Jennifer · Enter your password to view comments.
Tags: beneficiary, L27) The Importance of Ownership & Beneficiary Designations, life insurance, ownership · Posted in: L27) Ownership & Beneficiary Designations

Victoria Grant, 12, Hits Lecture Circuit To Explain How Canadian Banking Is A Fraud (VIDEO)

Vic­to­ria Grant on Bank Fraud

May 16, 2012 · Jennifer · No Comments
Tags: Canadian Bank Fraud, Victoria Grant · Posted in: Bank Fraud

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