Let me show you "HOW" to "GROW" Richer on Interest you "NOW" "PAY" to "OTHER" Financial Institutions! 

"Life Changing Links!"

Concept Introduction and Overview by Pamela

Listen to an interview with Pamela Yellen and one of my Mastermind Group Members about the topic of Infinite Banking(TM)with "live" interviews of current clients that have used this incredible system of Banking on Yourself (TM)to greatly increase wealth and change their "Velocity" of Money from an Outflow to an Inflow! After you listen, please contact me directly, by hitting the "CONTACT ME" tab in this site. Thanks!

Bank on Yourself "Special" Report

All the Details are Revealed in a FREE,
Limited-Time Only On-Line Special Report and
Seminar Broadcast above that Will Show You...

*** How to pocket the interest and finance charges you now pay to banks, finance, leasing and credit card companies... and turn it into personal wealth and a tax-free income for life!

*** How to recapture the entire purchase price of your cars and other big-ticket items over a reasonably short period of time

*** How to profit from this strategy even if you typically pay cash for your cars and other major purchases

*** How to wake up at the beginning of each and every year with more wealth than you had the year before, regardless of what happens in the stock market

*** How to create a tax-free stream of income... with no government limits on how much you can contribute, and no government restrictions on when or how much you can take out without paying penalties (you control your money... not the government)

This free report will provide a written explanation to better help you understand what we do and how we "help" people with this "time" tested strategy.

Becoming Your Own Banker: by R. Nelson Nash

Discover the financial concept from R.Nelson Nash that has revolutionized the lives of volumes of people just like you!..."Financial Wealth Building through a Unique and Exclusive System of Disipline and Control, Based on Economic Principals and Insurance Contract Guarantees!"

Money Banking and the Federal Reserve

Thomas Jefferson and Andrew Jackson understood "The Monster". But to most Americans today, Federal Reserve is just a name on the dollar bill. They have no idea of what the central bank does to the economy, or to their own economic lives; of how and why it was founded and operates; or of the sound money and banking that could end the statism, inflation, and business cycles that the Fed generates.

Steeped in American history and Austrian economics, and featuring Ron Paul, Joseph Salerno, Hans Hoppe, and Lew Rockwell, this extraordinary new film is the clearest, most compelling explanation ever offered of the Fed, and why curbing it must be our first priority.

Alan Greenspan is not, we're told, happy about this 42-minute blockbuster. Watch it, and you'll understand why. This is economics and history as they are meant to be: fascinating, informative, and motivating. This movie could change America!

Destructive Myths About Money, Interest Rates and Business Cycles

What will happen with Interest Rates? Do we know, can it be determined?

The Falling Dollar

How will inflation affect our falling dollar?

Economic Think Tank

General information and additional resources concerning the concept, as well as personal testimonials and links to many other Think Tanks.

Are you trying to "Swim" upstream in your Financial Current? 

Cash in VS. Cash out - Who's winning?

Try a little Experiment:

Add up all the INTEREST and FINANCE CHARGES that you Payed-Out LAST Year. Remember to include the interest on your: Mortgage, Car payments, Personal and Student loans, Credit Cards, Leases and any other loans you might have.

Then add-up all of your liquid investments. Be sure to include your: 401k, IRA, Savings Accounts, Brokerage Accounts and any other liquid investments you own.

Once you have your total liquid investments simply multiply that figure by the average rate of return you EARNED on those investments (if they did not earn anything your result is 0).

At last, compare the amount of interest that left your home LAST year vs. the amount of interest you EARNED?

Was the amount that you Payed-Out in Interest greater than the amount that you Earned in Interest?- It's our experience that 95% of the time the interest Leaving your home is far GREATER than the interest coming IN your home.

When You Consider How Much Money Is Leaving Your Home to Pay Finance Charges Every Year, Doesn't It Make Sense to Focus at Least as Much Time, Energy and Money on...Recapturing and Leveraging Dollars that Would Otherwise Be Lost Forever?

BEWARE of these Wealth DESTROYERS... 

Why Conventional Financial Planning Doesn't work?

1. Lack of Financial Diversification by relying on the stock market...

[CONVENTIONAL FINANCIAL PLANNING MYTH: "The Stock Market is the best hedge against inflation- over the long-haul you should expect great returns!"]

- It IS A FACT that Most Investors Don't Come Close to Equaling or Beating the Stock Market, and here's why...
This was reported in the January 2004 issue of Bottom Line Tomorrow:

From 1984 through 2002, according to a study done by Dalbar, Inc., a leading market research firm:

"The average investor earned only 2.6% annually, even less than the inflation rate of 3.1%. Main reason: Investors "chase performance" by buying the best-performing investments of the past few months-after their hot run is over. Then when they find themselves in a low performing investment, they do it again. And with each switch they incur extra expenses."
In other words, when you factor in inflation, the average investor actually lost money during the longest-running bull market in history!

Even if you are making money in the stock market, are you able to do it without losing sleep?

2. Passing on the Retirement Buck by relying on Pensions Plans, Social Security and Medicare.

- You see, MOST people have put their retirement in hands of their employeers and their politicians-just ask the workers at United Airlines, General Motors or Enron to mention a few.

- Are you going to do the same?

- Do you think that your Pension or Social Security will be around to provide for you and your family in retirement?

Wealth DESTROYERS Continued..... 

The "Masses" are seldom right!

3. Consumer Debt...

[*CONVENTIONAL FINANCIAL PLANNING MYTH: "Your always better off using Other Peoples Money for Financial Leverage"]

-According to the National Consumer Credit Council:

The average credit card balance is $8,000

For people 50 and older, debt nearly doubled in the 9 years between 1989 and 1981 (AARP, April 2002).

For those in the middle half of the population, income-wise, median debt jumped from $10,500 to $22,001 (AARP, April 2002).

For the top 25%, income-wise, median debt increased from $43,000 to $80,000 (AARP, April 2002)

If you're a baby boomer, on average, your unsecured debt has risen to 50% of your income (Amerix Corp. quoted in Arizona Republic, May 11, 2003)

THE REASON IS THAT WE ARE SEVERLY UNDERCAPITALIZED!!

We have WILLINGLY subjected ourselves and our families to a LIFETIME of paying INTEREST and FINANCE charges to financial institutions, and in most cases really don't ever think much about it!

Just think about this- On a home mortgage, after you factor in closing costs, approximately 86% of every dollar you pay goes to the cost of financing--and a $100,000 mortgage will typically end up costing you nearly $250,000!

It is clear that someone's getting rich here- but it isn't you! What are "our" banks not telling us?

4. Tax Deferred Government Sponsored Retirement Plans (i.e. IRA's, 401k's, 403b's, SEP's etc.)...

[*CONVENTIONAL FINANCIAL PLANNING MYTH: "Save as much money as you are allowed into these plans- your taxes will be deferred until retirement when your tax rate is sure to be lower"]

- Do you really think that taxes will be LOWER when you retire?, just take a look at tax rates over the last 20 years to find an answer to that question.

- With the VERY RARE EXCEPTION of an EMPLOYER matched contribution plan - Tax Deferred Government Sponsored Retirement Plans should be avoided like the plague.

- In the words of Mr. R. Nelson Nash, author of Becoming Your Own Banker: "When the government creates a problem (read onerous taxation) and then turns around and creates an execption to the problem they created (read tax-sheltered retirement plans, etc.) aren't you just a little bit suspicious that you are being manipulated?"

Let's go "Car" Shopping, how do you do it? Is there a "better" way? 

Advantages of Banking On Yourself, over Cash, Leasing, or Borrowing!

We're going to keep this as simple as possible and "level out the playing field." In order to do that...

I am not factoring in a down-payment, trade-in value, or inflation
I'm going to assume you will buy a new $25,000 car every 4 years, from age 40-80
I assumed a conservative historical interest rate on your car loan, or lease, of 7.5%. Do you remember the days before "Zero APR"? It's not a question of if interest rates will rise, it's when.

Option #1: Car Lease

Reasonable Rick decided to lease from Widget Motors. Rick was pleased with the monthly lease payment $416 and didn't think much about the 7-1/2% interest portion $57.56 every month that was also part of that payment. Rick was looking to lease a new SUV every four years until he's 80 (and he can't see to drive anymore)!

Widget Motors will require Rick to make a large down payment
The Widget Motor lease specifies that Rick must pay extra for depreciation, wear and tear, and high mileage
At age 80, Rick's Total Cash Outlay is $199,680 and he has nothing to show for it!

Option #2: Bank or Dealer Financing

Miss Melanie wanted a Widget Speedy with a rag top and leather interior every four years. And she didn't want to wait until she could pay cash. The bank told her that her monthly loan payment would be $604, of which $84 would be interest. But after 40 years, Miss Melanie had shelled out $289,920.

Option #3: Pay Cash

Slick Slater didn't have a huge income, but he liked luxury the limited edition Widget Wunderbar Car. He knew about the high "price" of financing a car purchase through a bank or car dealership. He figured out a way to beat the system he'd pay cash.

Every four years for 40 years, on January 1st, Slater took $25,000 out of his savings account to buy the latest Wunderbar Car off the assembly line. He congratulated himself on his taste in cars, and his "smarts" in financing. But how smart was he, really? Over 40 years, his Total Cash Outlay was still $250,000 and all he had to show for it was one 4-year old car. Slater was on the right track, but he'd missed one very significant concept:

Whether You "Buy on Time" or Pay Cash,

You "FINANCE" Everything You Buy!

That's because you either pay interest to a bank or finance company OR you give up the interest you could have earned on your money had you invested it, instead of paying cash. (Copyright 2006 Pamela Yellen)

Medical Quotes Website and "other" helpful information. 

Individual, Family, Short Term, and Student Health Plans- sorting it all out!

My Assurant Health Website

If you are between jobs, eligibility periods or self-employed you may be in a situation where you could use some affordable health insurance. Please feel free to explore the options available to you... For your convienence you can purchase direct from Assurant through this link. Feel free to contact me via e-mail if needed, and we can arrange a time to discuss it further.

AARP Bulletin re: Reverse Mortgages

Here is a quote from the June 2006 issue of the AARP Bulletin regarding reverse mortgages:

"Q. I am 48 years old, and my wife, our two children and I live in Alabama with my mother in the house she owns. Would it be OK for her to take out a reverse mortgage to help us with finances, like education costs and things we want to buy? When she passes away, can she just leave us the house or do we have to buy it?

A. You would be required to pay off the outstanding debt from the reverse mortgage on your mother's home when she dies. If you did not have enough money to pay off that debt, the house would be sold and you would get the proceeds left over after the debt was paid. But before you take out a reverse mortgage, consider this: If you mother needed to move permanently to a nursing home for health reasons, the debt from the reverse mortgage would come due once she was living outside her home for 12 month. -- Carole Fleck "

I thought this was very interesting for anyone thinking of taking out a reverse mortgage. Be sure you know all the facts.

For more information go to: www.aarp.org/money/revmort/

Coral Shores Realty & Johnson Travel Agency

I have years of experience successfully buying and selling homes in the local market.
I know the neighborhoods, schools, market conditions, zoning regulations and local economy.
I'll do the leg work, keeping you up-to-date with new listings and conditions as they impact the market.
I'm a full-time real estate agent - anything less and you'd be short changed.
I'll use my connections throughout the mortgage industry to get you the best deals possible.
You'll be my only client in the real estate transaction.
I'll guide you through the complexities of buying and/or selling a house, eliminating hassles and stress.
As a standard business practice I preview homes as they become available, keeping you apprised of market conditions as they evolve.
I won't waste your time - when an offer is made, I'll require acceptance or a counter offer within 24 to 48 hours.
You'll have the advantage of personal, one-on-one attention, as well as my dynamic web and e-mail resources.

Johnson Travel Agency

Compare us to "other" on-line travel sites like Expedia etc.

My Money Flow

Check out this visual explanation put together by one of my colleagues. I think Mike's explanation is put together in a way that will greatly enhance your understanding of this "exciting" and fresh way to "handle your finances."