Travis Sydow on LinkedIn: Have any of you read “Becoming Your Own Banker" by Nelson Nash? If not, I… (2024)

Travis Sydow

SaaS Delivery Manager | Vendor Manager | Professional Services Leader | Customer Champion & Advocate | Team Lead | RE Investor

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Have any of you read “Becoming Your Own Banker" by Nelson Nash? If not, I recommend doing so. It's a short and interesting read, and I believe it is available in audio format as well.The book explores the "infinite banking concept" (IBC), which involves leveraging the cash value of a whole life insurance policy to buy or invest in the stuff you are going to buy or invest in regardless. I find this to be one of the best risk-adjusted approaches to investing. Let me explain further:1.Cash value basis goes untouched, continuing to compound 🤯 (do the math on this and I think you’ll see why you need your own policies)2.The % on the loan utilizes simple interest3.The note is secure because it is fully collaterized and it will not be called due4.You make up your own loan repayment plan - there is no set schedule, and they can be interest only5.Most policies have dividends of 3-5% (dividends are income tax free as they are seen as a return of premium)6.The loan interest % is near identical to the dividend %7.Great savings vehicle for capital that is waiting to be put to work (this capital compounds for the rest of your life per #1)8.Death benefit will always be higher than the cash value. Meaning that if the loan is never paid back, the death benefit will cover it when the time requires it (this is related to #3)9.When banks rates are high, can offer an alternative lending method (even when rates are low, consider #1)10.Policies can be taken out on your kids, allowing you to start this process for them (your kids can begin to own the banking function in their lives too)11.If worse case scenario happens and all invested capital is lost, go up and re-read #1 (if your dollars are working in two places at one time, both in the policy compounding and outside the policy as an investment, your capital is secure and growing if the investment is wiped out)BONUS #1: All of the cash in the policy can be accessed income tax free.BONUS #2: This can be a simple method to build generational wealth that your kids and grandkids can understand.BONUS #3: The cash value of an insurance policy is undiscoverable when applying for FAFSA. Take that FAFSA!Too many other bonuses to mention.When Walt Disney couldn't secure a large enough bank loan to start his company, he used his policy to fund the creation of Disneyland.Similarly, Ray Kroc utilized IBC financing to buy out his partners, the McDonald brothers, as well as to cover salaries for key employees as he grew the McDonald's franchise.There are numerous other examples of this, and they illustrate IBC and the power of owning your own system that functions like a bank.What would you do with your policy if you were set up to own the banking function in your own life?What do you think about this system that puts you in the driver’s seat of capturing uninterrupted compound growth?Do you practice IBC? Are you a detractor?

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  • Sejal Dandriyal

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  • Jon-Derek Portuondo

    Credit Repair Counselor

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    🌟 Boost Your Credit Score: Uncover Surprising Strategies! 🚀1️⃣ Diversify Your Credit Mix 🔄Did you know that having a mix of credit types can work wonders for your score? Whether it's a credit card, installment loan, or a mortgage, having variety in your credit profile showcases your ability to handle different financial responsibilities.2️⃣ Become an Authorized User 🤝Piggyback off someone else's good credit behavior! Being added as an authorized user on a friend or family member's credit card with a stellar history can positively impact your score. Just ensure they have a solid credit track record.3️⃣ Keep Old Accounts Open 📆Time is a credit score's best friend. The longer your credit history, the better your score. Don't be too quick to close old credit card accounts, especially if they have a positive payment history.4️⃣ Pay Bills Strategically ⏰Did you know that the timing of your credit card payments can influence your score? Aim to make payments just before your statement closing date to reduce the reported balance. This shows creditors that you're responsible and can positively impact your utilization rate.5️⃣ Negotiate with Creditors 💬If you're facing financial challenges, don't hesitate to reach out to your creditors. Sometimes, they're willing to work with you on more favorable terms. It's always worth a shot and can prevent negative marks on your credit report.6️⃣ Check Your Credit Report Regularly 🕵️♂️Mistakes happen. Regularly review your credit report for errors, inaccuracies, or fraudulent activities. Disputing and correcting these issues can give your score a quick boost.7️⃣ Build a Solid Emergency Fund 💰Having a financial safety net not only helps you in emergencies but also demonstrates financial responsibility to creditors. It adds a layer of stability to your profile.Remember, patience is key when it comes to improving your credit score. These surprising strategies might not yield instant results, but over time, they cansignificantly enhance your financial health! 💪✨ #CreditScoreGoals #FinancialWellness #SmartMoneyMoves #CreditRepair #CreditScoreBoost #FinancialFreedom#CreditFix #CreditHacks

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  • Sean G.

     Health Research Engineer 🎓UMass Global Graduate Student 🇺🇸 U.S.M.C Veteran🏳️🌈 Lead | Pride@Apple🎨AI Writer & Artist | #ArtistRendering

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    Navigating Uncertain Waters: The Impending Bank Term Funding Cliff and Its Impact on YouAs we approach mid-March, the financial community is on high alert over the looming end of a crucial bank term funding program. This program, a cornerstone of financial stability during volatile periods, has bolstered banks by providing them with necessary liquidity and favorable borrowing terms. Its expiration threatens to usher in a banking crisis that could ripple through the economy, affecting individuals and businesses alike.Understanding the Term Funding ProgramThe term funding program was designed as a safety net, allowing banks to borrow at low rates to ensure they remained liquid and could continue lending during economic downturns. Its goal was to prevent a credit squeeze by ensuring banks did not hoard cash due to fears of running out.The Looming CrisisWith the program set to end, banks face a stark reality. The cessation could lead to higher borrowing costs for banks, a reduction in available credit, and increased pressure on banks’ liquidity ratios. This scenario is particularly concerning for smaller, less diversified banks that have relied more heavily on the program.Potential Economic Ripple EffectsThe impact on the average person could be significant. Interest rates may rise as banks pass on their increased borrowing costs, affecting mortgages, auto loans, and credit card rates. The availability of credit could tighten, hindering personal and business loans. In a worst-case scenario, a liquidity crunch could lead to bank failures, reminiscent of past financial crises.Who’s Most at Risk?Small to medium-sized enterprises (SMEs) and individuals with variable-rate loans are particularly vulnerable. SMEs might find it harder to secure financing for expansion or operations, while individuals could see their loan servicing costs increase.Mitigating MeasuresRegulators and policymakers are not blind to these risks. Potential responses include extending the program, introducing new measures to support bank liquidity, or easing monetary policy to keep borrowing costs low. Banks themselves are also likely to have been preparing for the end of the program by diversifying their funding sources and bolstering their liquidity positions.Conclusion: What This Means for YouThe end of the term funding program is a reminder of the interconnectedness of financial systems and personal financial health. For individuals, it underscores the importance of monitoring interest rates, especially if you have or are considering variable-rate loans. For the broader economy, it highlights the delicate balance regulators must maintain to support economic growth while ensuring financial stability. As we navigate these uncertain waters, staying informed and prepared is paramount.

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