Contact Jennifer (Bhāla ) Hansen

Life can be good. It's in the attitude.

Con­tact me here — 845 – 649-7487 or  I will reply to your email from

My (Jen­nifer Hansen) home state of New York, life insur­ance license num­ber is, LA-1126316

I am licensed in many states and do busi­ness in any of the 50 states of the USA as well as CANADA.

I am an Autho­rized Infi­nite Bank­ing Insti­tute Prac­ti­tioner -2013 Think Tank — 2013 Nel­son Nash Seminar

Jen­nifer Hansen with Renowned Aus­trian Econ­o­mist, Robert Mur­phy, at the Infi­nite Bank­ing Insti­tute Launch Feb 2013, Alabama.

Jen­nifer Hansen with Nel­son Nash dur­ing a two day BYOB sem­i­nar in Utah, 2010.

Our Con­sul­ta­tions are Free of Charge.

The Agency I work with is Alliance Group Finan­cial and within that agency I work with a team of col­leagues so you will most likely get to speak with all of us at some point. Scott Chris­tensen is the owner and has been prac­tic­ing Infi­nite Bank­ing since 2002. He has been in the finan­cial indus­try for over 30 years and teach­ing how to build a fam­ily legacy is his main pas­sion. Watch a 38 minute video of Scott Chris­tensen talk­ing about the focus of our agency.


Jen­nifer HANSEN


Jen­nifer Hansen has always been inter­ested in under­stand­ing money, how the var­i­ous inter­est cal­cu­la­tions work and how banks actu­ally make their prof­its. After work­ing in a bank for five years, dur­ing the mid to late 70’s, she real­ized she would not learn what she wanted to know from the banks them­selves because they were only look­ing after their own inter­ests.  They were not about to edu­cate, even their employ­ees, with any infor­ma­tion other than what they wanted the employ­ees to know so they would direct clients to behave in the man­ner that made the banks more prof­its. She also real­ized the main­stream edu­ca­tional sys­tem did not pro­vide this info. either.

It wasn’t until 2007 that she found the resource she had been look­ing for for so many years; a group of out-of-the-box thinkers when it came to finances.  She has been enjoy­ing this jour­ney of dis­cov­ery ever since as it has lead her to meet­ing many other finan­cial pro­fes­sion­als who have under­stood a whole new par­a­digm from what is ‘nor­mal’  in regards to money and finances. These men­tors have been in the finan­cial indus­try for 20 and 30 years but have been own­ing and uti­liz­ing their own pri­vate finan­cial sys­tems for up to eleven years.

Jen­nifer was born and grew up in Aus­tralia, has been mar­ried for 31 years (as of March 2012) and has 4 suc­cess­ful chil­dren. Her fam­ily is in their third year of own­ing their own pri­vate bank­ing sys­tem and can attest to it chang­ing their finan­cial lives. It has done so so much that her mis­sion is to share this infor­ma­tion with as many oth­ers as pos­si­ble. Nel­son Nash, the man whose book ‘Becom­ing Your Own Banker’ started it all,  is a true life hero and she shall always be grate­ful to him.

Jennifer’s forte is help­ing peo­ple under­stand how to refi­nance their debts into their own pri­va­tized bank­ing sys­tem and  to track all the parts of this finan­cial strat­egy in a soft­ware pro­gram that truly helps peo­ple grasp how money and inter­est works in their own lives with their own money and this pro­vides a real sense of being-in-control for them. Debt is an asset to a bank. Jen­nifer coaches you on how to con­vert your  lia­bil­i­ties  into your assets.


About my kids: Updated 2/07/2012

My Son Eric’s busi­ness web­site — — Eric’s review site -

And here is Eric’s per­sonal web­site.


My Son Madhava’s web­sites — He is in two bands

FULCRUM OF THE STARS Mad­hava is lead singer and base/guitar player. Here them at this link

BAAM the band Mad­hava is lead singer/songwriter/base player for — Hear them here.  FULCRUM of the STARS — Madhava’s sec­ond band. Hear them here or here


Cur­rent Update — Exec­u­tive Assis­tant at Glad­wyne Part­ners, NY

My daugh­ter Anjana works at The Prac­tis­ing Law insti­tute in Man­hat­tan. Below is Anjana with her hus­band.

4 Gen­er­a­tions in my fam­ily — Great Grandma, Grandma and Grandpa, Mummy and baby Elira.


My father in Aus­tralia with myself, my daugh­ter and her daugh­ter. 4 generations.

Don, Jenny, Anjana, Elira


4 gen­er­a­tions of my hus­bands fam­ily — His mother who is 93 in this photo, my hus­band, our daugh­ter and her daughter.

4 generations on Bills mum's side

Elira’s first Christmas

Elira Dec 20th 2014 with Macy's Santa

Macy’s Santa Dec 20th 2014


Dec 20th 2014 at Macy’s


My son Sarathi’s web­site — Started at age 16. Attend­ing Rochester Insti­tute of Tech­nol­ogy. Works at MBF Bio Sci­ence in Ver­mont over the summers.


2014 Thanks­giv­ing.

Thanksgiving 2014 Nov 27th - with a gift from our most special friend.

About me. Updated Oct 2008

 I believe this world is made up of the pairs of oppo­sites. Good and Evil, Dark and Light, Night and Day, Plea­sure and Pain, Sick­ness and Well­ness, Strong and Weak, Greed and Giv­ing, Love and Hate, Wealth and Poverty, Prob­lems and Solu­tions. We all have the choice to focus on, believe in, aspire to, which ever way we wish to go. To expe­ri­ence either of all these extremes we can focus on every­thing that is wrong with our lives or every­thing that is right with our lives and this world. We attract and so cre­ate a qual­ity of life accordingly.

We see so many atroc­i­ties played out, thanks to the media, but because there are such things, there HAS to be an equal or greater amount of awe­some­ness. Too many have for­got­ten this fact so they keep wor­ry­ing about what is wrong instead of look­ing for what is right. They moan about the prob­lems instead of search­ing for and par­tic­i­pat­ing in the solu­tions. You have to attract those peo­ple, places, events, solu­tions, into YOUR OWN life though. You must be what you want and believe in your­self so you can deter­mine whether you are attract­ing peo­ple who want to show you how to have more con­trol and power, love and respect, and good­ness in your life, or whether you are being faked out by scampsters.

Our mon­e­tary sys­tem has been taken over method­i­cally, and with inten­tion since the group of scamp­sters who cre­ated the Fed had their first meet­ing on Jekyll Island. There are many who have reported this to us all over the years; peo­ple like

 G. Edward Grif­fin,

Barry J. Dyke,

The Foun­da­tion for Eco­nomic Edu­ca­tion,

Aus­trian Eco­nom­ics Advo­cates,

the cre­ators of Inside Job, to name a few.

No one though, has been able to pro­vide a solu­tion the masses can uti­lize to escape (as much as pos­si­ble) the lack of con­trol of our finances that has been the out­come of this Fed intended plan, till R. Nel­son Nash came along.

If you want to move away from the lack of con­trol, lack of under­stand­ing, lack of use of your money, keep read­ing because there is a solu­tion to the Feds con­trol, gov­ern­ment inter­ven­tion and our cur­rent money mad­ness? Don’t hes­i­tate one minute in want­ing to learn more about what it is and how it can work for you?

The US finan­cial 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.

Thou­sands of indi­vid­u­als are already par­tic­i­pat­ing and North Dakota State is also a part of the solu­tion and has been prac­tic­ing this since the Fed began. If just 10% of our pop­u­la­tion par­tic­i­pate, the Fed­eral Reserve will no longer be able to func­tion as it has been.

You have a choice. A real and impor­tant choice. You have come to this blog for a rea­son. You can stay part of the prob­lem, but I believe you have come here because you are look­ing to be part of the solu­tion. You have found me because I work with an awe­some group of lead­ers in the pri­vate bank­ing busi­ness who know exactly how to help you cre­ate the finan­cial life you want to cre­ate, and we are will­ing to teach you every­thing we know. Spread­ing the word is our pas­sion, is our mis­sion if you will. We do not just dab­ble in infi­nite bank­ing along with a long list of other finan­cial choices that have got­ten peo­ple nowhere in the past. We focus solely on, and are the experts in teach­ing infi­nite bank­ing the way Nel­son Nash wants it to be taught. Why, because we prac­tice what we preach. With your best inter­est at the heart of each pol­icy design we show you pos­si­ble ways of using your bank­ing sys­tem to achieve your spe­cific goals and become finan­cially free.


It is really won­der­ful when your grown chil­dren want to come home and visit you and each other. I feel as though we have been very blessed and have so much to be grate­ful for. All my kids (I call them kids even though their ages range from 15 in a few days, to 20, 24 and 26) are happy to hang out together.

We live where the air is clean and the roads aren’t too busy. We have access to good live food. And even though our friends are mov­ing away, one by one, to big­ger and bet­ter places, at the moment we are happy to be here.

Bill (my hus­band of 30 years, as of 2011) grew up in Hawaii, USA and I in Mel­bourne, Aus­tralia. We met in New York and were mar­ried in Cal­i­for­nia.  In our first 19 years of mar­riage, we actu­ally moved 20 times. Don’t ask me how or why, it just hap­pened that way. We have been in the house we cur­rently reside in since 2000 though, so maybe another move will be in the stars. Either way is fine by me.

Vis­it­ing and liv­ing in dif­fer­ent places and cul­tures opens your mind to God’s vast­ness and cre­ativ­ity. It also gives you the expe­ri­ence of how we are really all the same on the inside. God’s love is every­where, it is just that some can see it and oth­ers call it some­thing else.

My expe­ri­ence though is that most peo­ple expe­ri­ence it in some form or another, whether they call it that or rec­og­nize that or not. Who cares, so long as love and respect is expe­ri­enced by all.

My kids have met and lived with peo­ple from many coun­tries and cul­tures. 4 dif­fer­ent con­ti­nents in fact. India, Aus­tralia, Europe and East­ern & West­ern states of North Amer­ica. They have lived in Ashrams as well as apart­ments and shared houses as well as our fam­ily homes; large and small, board­ing schools as well as col­lege dorms. They’ve lived with room mates and alone. They have expe­ri­enced many dif­fer­ent schools.  Wal­dorf (Rudolph Steiner in Aus­tralia), Montes­sori, Quaker, Sid­dha Yoga, Var­i­ous Pub­lic, Non-Denominational Pri­vate, Catholic, and Home schools.

My first and last were born in South Falls­burg, New York as home births and the mid­dle two were born in Aus­tralia, one a cesarean and the next at a pri­vate birthing cen­ter in to water.  My daugh­ter has grad­u­ated col­lege with BA in Art His­tory with a con­cen­tra­tion in Archi­tec­ture and a minor in Math and is now mar­ried to an Alban­ian fel­low whom she met while liv­ing in Eng­land for 2 years. He was liv­ing there also at the time.  They both have jobs they are happy with where they have both been pro­moted. My old­est son grad­u­ated with a BS and has started his own busi­ness as equal part­ner with my 2nd son who is half way through col­lege. Both earned Eagle Scout rank with Boy Scouts of Amer­ica, one while we were in Ore­gon and the other while in New York. They were also nom­i­nated as pre­fects at their school in Penn­syl­va­nia and are also mem­bers of a band named The Ingre­di­ents. One is a drum­mer, the other a lead singer, song­writer, composer,

How for­tu­nate we are. Thank you, Thank you, Thank you to all who have influ­enced our lives.

Con­tact me (Jen­nifer Hansen) here — 845 – 649-7487 or








7 Responses

  1. David Gardener - November 14, 2009


    Home page type is dark against a dark back­groung. Can hardly read it.


  2. Earl A. McCoubrey - November 15, 2009

    Ms. Hansen:
    You may recall respond­ing to “Chuck” who wrote a hub on Hub­Pages about amor­ti­za­tion, tout­ing the advan­tages of the bi-weekly mort­gage. You expressed that there are bet­ter ways of pay­ing off a mort­gage early. Would you please point me to the hubs/blogs where I can read about that?

    Thank you, Earl A. McCoubrey

    Jen­nifer Bhala Hansen says:
    10 months ago

    Thanks for your reply to my comment

    All these meth­ods are great for sav­ing some inter­est but less than 5% of the home­buy­ers do this apparantly.

    There is an award win­ning pro­gram that has been cre­ated that is the absolute fastest way to pay off not just ‘any’ mort­gage debt, but any type of debt. This is what I use. See hubs and blog to learn more if you are interested.

  3. admin - November 15, 2009

    Hi David,
    Thanks for let­ting me know. I use Fire­fox. Were you in Inter­net Explorer? Any­way, I changed the theme. Is it any bet­ter for you now? Thanks again.

  4. admin - November 15, 2009

    Hi Earl

    Yes I remem­ber com­ment­ing on Chuck’s hub. Thanks for con­tact­ing me. I have emailed you with my web­site address for debt elim­i­na­tion. Please feel free to call me to talk in per­son when you have read the infor­ma­tion on my web­site. Thanks again.

  5. Erica Smith - February 12, 2010

    Dear Webmaster/Admin,
    I have a unique finan­cial arti­cle on an inter­est­ing finance topic writ­ten by my con­tent writer and I want to post it in your site as I liked your site very much, if you per­mit me. You can con­tact me at ericasmith568(at)

    Erica Smith

  6. Name - September 16, 2010

    Hi there 🙂

    My name is Sahara Starr and I am about to release my first rock album.

    It’s a cul­mi­na­tion of years of per­sonal effort and I have spent my life’s sav­ings to pro­duce it myself. If you’re inter­ested, please check out a sam­ple at < one of my tracks plays there auto­mat­i­cally so please turn up your speak­ers (it may take a moment to start playing).

    I am look­ing for part­ners to help me pro­mote my album. I am will­ing to donate a por­tion of the rev­enues to a char­ity of your choice and/or give the funds directly back to you in the form of commissions.

    Addi­tion­ally, I’d be will­ing to con­sider doing some free photo mod­el­ing or video spokesper­son work for your com­pany, if you have that need for any prod­ucts or ser­vices related to your web­site. I would do this in exchange for your sup­port, such as announc­ing my album on your site using the ani­ma­tion you see at the address above or a ban­ner I could make to your spec­i­fi­ca­tions. Also, if you are amenable to it, per­haps we could some­how include an announce­ment in any email cor­re­spon­dence you have with your user/member base — how­ever it would be done, we could dis­cuss a rev­enue split on any rea­son­able basis. 🙂

    Finally, when you go to my site, you will see a really cool CD ani­ma­tion. I have the abil­ity to cre­ate this cus­tom ani­ma­tion for any artist and if you\‘d like to resell that ser­vice and earn more com­mis­sions, we can dis­cuss that as well. As you will see, the CD book­let for my album is 16 pages, but I can cre­ate an ani­ma­tion like that one for 4, 8, 12, 16, or 20 pages, all cus­tom made for any artist, pro­ducer or record label.

    Thanks for read­ing this and feel free to con­tact me any time at

    Warmest regards,
    Sahara Starr

  7. Jennifer - August 16, 2012

    A bi-weekly mort­gage just means you are pay­ing 26 pay­ments a year instead of 24 if it was a semi-monthly. That means you are pay­ing the equiv­a­lent of 13 monthly pay­ments instead of 12 monthly pay­ments. Now, each of those bi-weekly pay­ments is made up of prin­ci­pal and inter­est accord­ing to where you on your amor­ti­za­tion sched­ule. If you just took that one extra monthly pay­ment and at the begin­ning of every year made a PRINCIPAL ONLY pay­ment with it to the mort­gage lender,for the same amount of money, you would pay off your mort­gage faster and save more inter­est. How­ever, there is an even bet­ter way to deal with your mort­gage, so call me today so I can share that infor­ma­tion with you. Jen­nifer 845 – 649-7487

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