1.  Cash Back Credit Cards charge the busi­nesses 3% of every trans­ac­tion when­ever you use your credit card. And that is on top of a monthly fee they charge just for the priv­i­lege of being able to accept pay­ment from you with a credit card ver­sus cash or cheque.

The bank does not give you the cash back. No money comes out of their pockets.

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Part two of Essen­tial Knowl­edge For A Wall Street Protestor

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It’s all about Banking.

Page 85, point 3, of Best Sell­ing Author Nel­son Nash’s book, Becom­ing Your Own Banker, asks you to con­sider this point — When you get paid for your work, you put ALL of it into “some­one else’s bank” and then write checks from the account to buy the things of life. SO, “some­one else’s bank” gets all of your money.

If you owned a pri­vate reserve sys­tem, wouldn’t you want to run ALL your busi­ness through it? If this is so, the life insur­ance pre­mi­ums paid each year should ulti­mately equal your annual income. More »

Here is a list of 113 rea­sons why you would want to thor­oughly inves­ti­gate Becom­ing Your Own Banker.

Why sub­ject your­self to this list of mostly unwar­ranted charges?

Now I am not sug­gest­ing that by Becom­ing Your Own Banker you will never have to use a reg­u­lar cor­ner bank again, because you will have to. How­ever, you will def­i­nitely be less and less, at their mercy, the longer you own and oper­ate your own pri­vate reserve bank­ing sys­tem. More »

First of all, who do you know that earns between a 15% and a 40% return? Most peo­ple respond with — I don’t know. More »

Please click here to see invest­ing from 2000 to 2010

and also 1994 to 2010 (Dow Jones)

Dow Jones — Here are the last 11 years aver­age return as a percentage

and also actual per­for­mance in dollars.

So if you started invest­ing in 2000, this could be your growth.

Let’s begin with a $1,000.00 investment.

Year                    Per­cent­age                        Dollars

2000                    - 6.17%                           $  938.30

2001                    - 7.10%                         $  871.68

2002                    -16.76%                       $  725.59

2003                     25.32%                         $  909.30

2004                       3.15%                          $  937.95

2005                    -00.61%                         $  932.23

2006                     16.29%                        $1,084.09

2007                       6.43%                          $1,153.80

2008                    -32.72%                         $   776.28

2009                      18.80%                        $   922.22

2010                      11.02%                        $1,023.84

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.….….….…Aver­age Per­for­mance       Actual Performance

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Total   17.65%

$23.84 divide by 11 years = 1.60% average

divided by 11 years =  $2.167 per year

$2.167 divided by $1,000  = 0.002167 or .21% actual return.

Dow Jones is an index that shows how 30 large, pub­licly owned com­pa­nies based in the United States have traded dur­ing a stan­dard trad­ing ses­sion in the stock market.

But the ques­tion is, were the com­pa­nies you’re invested in per­form­ing at this same level or not? The aver­age is price-weighted, and to com­pen­sate for the effects of stock splits and other adjust­ments, it is cur­rently a scaled average.

The value of the Dow is not the actual aver­age of the prices of its com­po­nent stocks, but rather the sum of the com­po­nent prices divided by a divi­sor, which changes when­ever one of the com­po­nent stocks has a stock split or stock div­i­dend, so as to gen­er­ate a con­sis­tent value for the index.

What do you expect the future will bring for your investments?

Watch what Kiyosaki has to say about putting money into mutual funds and retire­ment plans and invest­ing for the long term with a diver­si­fied portfolio.

If you would rather learn how to Become Your Own Banker, in your own pri­vate bank­ing sys­tem, call me today. Jen­nifer Hansen 845 – 649-7387 or email me at Jennifer@DebtDiagnosis.com

Let’s use a car pur­chase as an exam­ple of

the Lost Oppor­tu­nity Cost of spend­ing cash.

Below is an Exam­ple of Veloc­ity at work for a bank.

What do you care about a banks veloc­ity? This por­trays what they do with your money and why the finan­cial sys­tem is set up to pre­vent you from doing this for yourself.

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First of all, what is a 529? (It is the Tax code gov­ern­ing col­lege sav­ings plans) The 529 col­lege sav­ings plan is a state spon­sored, tax-advantaged tool that is offered so fam­i­lies can save specif­i­cally for qual­i­fied higher edu­ca­tion expenses for their children.

What is a 7702? (It is the tax code gov­ern­ing cash value in life insur­ance poli­cies). The 7702 col­lege sav­ings plan is not a state spon­sored plan. It is how­ever the Inter­nal Rev­enue Code that describes the tax advan­tages asso­ci­ated with the cash value in life insur­ance products.

We show you a way of uti­liz­ing these cash val­ues to fund any expenses includ­ing but not lim­ited to edu­ca­tion expenses, but with much more flex­i­bil­ity of use, while also offer­ing tax advantages.

I must point out now that an IRC 529 is an invest­ment vehi­cle specif­i­cally for sav­ing for qual­i­fied higher edu­ca­tion expenses. On the other hand, the IRC 7702 is the code that relates to the cash value in life insur­ance poli­cies. So it is not gen­er­ally con­sid­ered a sav­ings vehi­cle by the gen­eral pub­lic. It is a life insur­ance policy.

How­ever, there is one, 106 year old, com­pany that has embraced bank­ing with the cash value within the life insur­ance struc­ture. The pol­icy that is used for this is designed spe­cially for and has a patented soft­ware for illus­trat­ing max­i­mum cash value accumulation.

Once you under­stand how to use this pol­icy as a financ­ing pool and the advan­tages it pro­vides, I believe you will under­stand why I and many oth­ers believe it is a supe­rior way of sav­ing for and pay­ing for (any level of) edu­ca­tional expenses. More »

Cash Value Life Insur­ance: A Cor­ner­stone Asset Of a Bank

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The Objec­tives of the Fed­eral Reserve from The Crea­ture of Jekyll Island.

We have been led to believe that the Fed­eral Reserve is fail­ing in it’s objec­tives but the real­ity is it is suc­ceed­ing mag­nif­i­cently. We just think their objec­tives are the same as ours, but they are not.

See audio link below — 1910 – 1913 Fed­eral Reserve Sys­tem Objec­tives.

46:00 Objec­tive #1

To stop the ero­sion of power away from New York. Elim­i­nate small banks.

Objec­tive #2

Reverse the trend of what they call pri­vate cap­i­tal for­ma­tion. Now that is banker lan­guage for which indi­vid­u­als or busi­nesses use their own sav­ings for some­thing instead of going to the bank and bor­row­ing money for it. More »

The main dif­fer­ence between a Stock Insur­ance Com­pany and a Mutual Insur­ance Com­pany is that the Stock owned com­pany is respon­si­ble for mak­ing money for the stock hold­ers where as a Mutu­ally owned com­pany is respon­si­ble for mak­ing money for the Pol­icy Hold­ers, which would be YOU.

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Author of Pirates of Man­hat­tan, Barry James Dyke reveals his research on what Suze Orman’s employ­ers actu­ally do — Whole Life or Term. “This is an eye open­ing book. It has fas­ci­nat­ing insight to the cor­rupt prac­tices of cer­tain finan­cial insti­tu­tions in Amer­ica. Amer­i­cans will be much bet­ter off when they read this book. It is an excel­lent source of infor­ma­tion as to what is really going on in the finan­cial world.” —  Con­gress­man Ron Paul

Click here to view video

Suzie Orman says she hates Whole Life Insur­ance and rec­om­mends to her lis­ten­ers to buy Term and invest the difference.

Do Suzie Orman’s employ­ers take her advice in regards to buy­ing Term Life Insur­ance rather than the cash value whole life she hates so much? It seems Suzie Orman’s employ­ers do not take her advice. Because they know better.

Suzie Orman has some employ­ers that back her. One is TD Amer­i­Trade owned by Toronto Domin­ion Corp. She signed with them in Jan 2007. TD Amer­i­Trade also spon­sors Jim Cramer’s Mad Money. TDC owns 100% of  TD Bank North, who own $845 mil­lion High Cash Value Life Insur­ance.  They (TD Bank North) also own the Boston Gar­den. They have more invested in life insur­ance than in the Boston Garden.

Suzies employer CNBC is owned by Gen­eral Elec­tric Cor­po­ra­tion. Barry Dyke shows in the video above that he obtained their proxy state­ment filed with the FCC. It shows that GE’s CEO pays $122 thou­sand dol­lars annu­ally of cash value whole life insur­ance pre­mium. The CFO pays a pre­mium of $62,000 annu­ally. A Vice Chair­man of GE pays pre­mi­ums of $105 thou­sand annu­ally. Another vice chair­man of GE pays $79,000 per year and head of NBC uni­ver­sal pays a $506,000 annual pre­mium into cash value whole life insur­ance. Read more in Barry Dyke’s book — see below.

Jay Leno Plugs Barry Dyke’s “Pirates of Manhattan”

This arti­cle has been removed. Gee, I won­der why? Feb­ru­ary 13, 2009 The Tonight Show host Jay Leno recently stated that author “Barry Dyke called it!”. Leno is refer­ring to the fact that Barry Dyke pre­dicted a major col­lapse of the U.S. finan­cial sys­tem in June 2007 way before every­one else when “The Pirates of Man­hat­tan” was first published….”

Please go to www.fee.org and check out all the free down­load­able books.

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The Ori­gin, Nature and His­tory of Money

FEE Pres­i­dent, Lawrence W. Reed spoke to sup­port­ers attend­ing an Evening at FEE in Irv­ing­ton on August 7, 2010.

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Check out The Pen­sion Idea by Paul L. Poirot