Podcasts about puas

In this Wild Card episode, Conor and Caroline roll out the purple carpet again for the 5th Annual Poor Unfortunate Awards® (PUAs®)! With 20 unique categories and over 100 nominees, this is the biggest event in Imagined Disney Award history. Prepare yourself for those award season butterflies as they decide who will walk away empty-handed and who will walk into the after party with the coveted Golden Pua®!Follow us on Facebook, Instagram, Threads, and TikTok for fun content and exciting new updates!Join the Poor Unfortunate Fam, our Facebook Group for listeners who love the podcast and want to keep the discussions going!If you like what you're hearing, help us keep bringing you your favorite Disney content by making a donation to Poor Unfortunate Podcast today!*This podcast is not affiliated with The Walt Disney Company.Support the show

Bismillah,10. JANGAN CEPAT PUASSerial RamadhanUstadz Muhammad Nuzul Dzikri

Txawm nom tswv tsev dawb qhia tias yuav tsis zam tej se 25% rau Australia los Australia yeej tseem cia siab tias yuav sib khom nrog Meskas txuas ntxiv seb puas yuav sam rau Australia...,

Australia tseem cia siab tias tej zaum Meskas yuav tsis tsub cov se 25 feem puas rau Australia tej hlau thiab aluminium xa muag rau teb chaws Meskas...,

LSI: 81,4% Responden Puas Kinerja Prabowo | Pemerintah Akan Beri Amnesti Ribuan Napi, Kecuali yang Terlibat Kekerasan Bersenjata | Gunakan Fasilitas Negara untuk Keperluan Pribadi, Menteri di Australia Mundur

Australia lub txhab nyiaj faj seeb haiv puas yuav txo kab theem paj?

Australia is one of the world's most multicultural nations but our Parliament isn't. Does it matter? - Australia yog ib lub teb chaws hauv ntiaj teb uas muaj ntau tsav neeg coj ntseeg ntau yam kab lis kev cai nyob coob tshaj plaws, tab sis zoo li peb lub tsev tsoom fwv yeej tsis muaj tej kev sawv cev rau tej neeg no li. Tab sis puas yog tej yam tseem ceeb?

If you are homeless or at risk of becoming homeless it can be difficult knowing who to ask for a safe place to go. You don't have to feel isolated, and there is no shame in asking for help. There are services that can point you to crisis accommodation and support, wherever you are. - Yog tias koj yog ib tug neeg tsis muaj vaj tse nyob los sis yuav ras los ua ib tug neeg tsis muaj vaj tse nyob ces kuj yog tej nyam nyuaj tsis paub tias yuav thov kev pab cuam ntawm leej twg thiaj tau ib qho chaw nyab xeeb nyob. Tab sis tsis xav kom koj mloog tias koj raug tej teeb meem no kheej xwb, thiab tsis yog tej yam txaus txaj muag dab tsi uas yus thov kev pab cuam. Yeej muaj ntau cov kev pab cuam uas muaj peev xwm qhia kom yus nrhiav tau tej chaw so rau lub caij yus raug teeb meem kub ntxhov thiab muaj tej kev pab cuam coj los pab yus tsis hais yus nyob rau qhov twg li.

We're looking at the arguments listeners sent in in response to the last podcast episode. No sex after marriage, judges routinely throwing out prenups, constant fights, women getting fat after getting married, etc. Online Coaching Program - ⁠https://www.daygamecourses.com/strobert-community/⁠ Daygame Infield Coaching - ⁠https://www.strobert.blog/daygame-coaching/⁠ Daygame Model I Teach All My Students - ⁠https://www.strobert.blog/thestructurednaturalapproach/⁠ Free Texting And Dating Courses - ⁠https://www.daygamecourses.com/ (00:00) Intro (02:03) Skills needed for getting laid and maintaining a relationship are completely different (05:58) Pick the right partner (08:32) She will loose interest when you stop your nomadic daygamer lifestyle (10:38) Long term relationships come with different issues (12:49) Happy couples vs constant fighting (14:57) Prenups don't always work (16:47) PUAs will be PUAs (17:35) The type of guys who sent in their opinions (19:35) Be careful who you follow (20:10) It's ok to not want a long term relationship

Antisemitism is nothing new. But experts say the kinds of anti-Jewish incidents and attacks we're seeing now have never happened before in Australia. - Lub tswv yim tsis nyiam tej neeg Jews (Antisemitism) yeej tsis yog ib yam dab tsi tshiab. Tab sis tej kws paub zoo txog tej hauj lwm no hais tias tej xwm txheej tawm tsam tsis nyiam tej neeg Jews uas peb tab tom pom tam sim no yeej yog tej uas peb tsis tau pom dua los ntawm teb chaws Australia no.

Imagine this: you've heard that mastering Infinite Banking could be the key to financial freedom. It sounds like a perfect solution—investing in yourself, building wealth, all while being “your own banker.” But here's the truth: not everyone succeeds with infinite banking. In fact, the people who thrive are often the ones who take an entirely different approach to it. They're thinking long-term, taking responsibility, and treating this like a lifetime practice, not a quick fix. https://www.youtube.com/live/igurqrqZNdE The Infinite Banking Concept has gained popularity as a way to take control of your finances, but it's not a one-size-fits-all solution. This strategy empowers you to create lasting wealth through a well-designed whole life insurance policy, but success requires discipline and a certain mindset. In this blog, we'll break down what it really takes to succeed with infinite banking, addressing common misconceptions and why approaching it with an abundance mindset, a sense of responsibility, and long-term vision can make all the difference. Mastering Infinite Banking Starts with Abundance, Not ScarcityEmbrace Responsibility: Becoming Your Own Banker Means OwnershipThe Long Game: Mastering Infinite Banking Means Thinking GenerationallyBe Wise with Policy Loans: It's Not About Chasing Cash FlowFinding the Right Balance: Structuring Policies for Stability and GrowthBook A Strategy Call Mastering Infinite Banking Starts with Abundance, Not Scarcity Infinite banking isn't about chasing quick returns.  It is fundamentally about thinking from a place of abundance. Bruce and I (Rachel) have seen how scarcity thinking—focusing on short-term gains, instant gratification, or just trying to “fix” financial problems—often backfires. If you approach infinite banking as a “quick fix” for financial issues, you might not get the results you expect. True success happens when you're ready to shift your mindset, creating a long-term approach to managing your finances and understanding how to use cash flow wisely. Embrace Responsibility: Becoming Your Own Banker Means Ownership Nelson Nash, who developed the Infinite Banking Concept, titled his book Becoming Your Own Banker because this strategy is about empowering you to take control. But with control comes responsibility. It's up to you to make smart moves, from keeping track of your assets to choosing how you repay your loans. With infinite banking, the freedom to set your own terms also means owning the responsibility for the policy's long-term health. It's essential to maintain discipline and understand that the responsibility lies with you. The Long Game: Mastering Infinite Banking Means Thinking Generationally Mastering Infinite banking requires time. It isn't a “set it and forget it” strategy or something you can maximize in just a few years. People who benefit most from infinite banking are committed to it over the long term. The structure of the policy and its cash value grow more efficiently over time, so it's essential to go in with a long-term perspective. Policies that balance base premiums with paid-up additions (PUAs) allow for growth and future flexibility, letting you capitalize on this system for years, even decades, ahead. Be Wise with Policy Loans: It's Not About Chasing Cash Flow One of the biggest misconceptions we see is people treating infinite banking like an investment meant to generate immediate cash flow. The truth is that while you can borrow against your policy, doing so irresponsibly can limit your financial freedom. Infinite banking isn't meant to fund unsustainable habits or high-risk investments. Instead, it's a wealth-building tool that should be used wisely and with an eye on long-term stability.  It's about using capital wisely, holding onto cash when needed, and reinvesting strategically. Finding the Right Balance: Structuring Policies for Stability and Growth Proper policy design is critical.

Episode #629: We're reviewing more PUAs today, and just like Bryan, they seem to be absolutely led by their hormones! It's the holiday season! The DDecanter Wine dirt Hyperthyroiditis How To Be Sexual (Like A Man) This woman was scammed The creep factor is HIGH today Both holes present ;) Bacon wrapped balls Link to vid here! He cant fight this feeling anymore Practice making people uncomfortable! Flirt with everyone Text us or leave us a voicemail: +1 (212) 433-3TCB Follow Us: IG: @thecommercialbreak TikTok: @tcbpodcast YT: youtube.com/thecommercialbreak www.tcbpodcast.com Executive Producer: Bryan Green Hosts: Bryan Green & Krissy Hoadley Producer: Astrid B. Green Producer & Audio Editor: Christina Archer Christina's Podcast: Apple Podcasts & Spotify To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Brian and Hans tackle: Dividends in Whole Life. What are dividends in mutual insurance companies, and how do they differ from stock dividends?  The most efficient way to use dividends is by purchasing paid-up additions (PUAs). This strategy expands both the death benefit and cash value without additional out-of-pocket premiums, effectively supercharging the policy. Brian and Hans cover the limitations of policy illustrations and emphasize the real-world value of having capital readily available through IBC policies.  What Are Dividends? Dividends in IBC policies aren't like stock dividends; they're a share of the mutual insurance company's profits. Unlike volatile stock dividends, these are shares of a mutual insurance company's profits, paid consistently for over a century. But don't be fooled by the declared rate - there's a crucial difference between gross and net dividends. Understanding this nuance is key to maximizing your policy's potential. Using Dividends to buy more PUAs: The most efficient way to use dividends is to purchase more Paid-Up Additions (PUAs). This supercharges your policy, expanding both your death benefit and cash value without additional out-of-pocket premiums. It's financial growth on autopilot, constantly strengthening your financial position year after year. The Dividend Difference: IBC policy dividends aren't like stock dividends. They represent a share of the mutual insurance company's profits and are a key tool for policy growth. By reinvesting dividends into Paid-Up Additions (PUAs), policyholders can create a self-reinforcing cycle of policy expansion. This increases both the death benefit and cash value without additional premiums. Once dividends are declared and used for PUAs, they become part of the policy's guaranteed values, effectively raising the policy's financial baseline.  Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Are you seeking a truly impactful Australian travel experience? Whether you're seeking wilderness, food, art or luxury, there are plenty of First Nations tourism adventure that you can explore, led by someone with 65,000 years of connection to this land. Not only will you deepen your experience, but you'll help drive cultural and economic opportunities for First Nations communities. - Puas yog tias koj xav tau ib cov kev ntoj ncig tsim nuj ntawm Australia? Tsis hais cov kev xav mus ncig tej qho chaw txawv, tej zaub mov, tej duab los yog mus so ntawm tej chaw so luxury, yeej muaj neeg txum tim cov kev ntoj ncig ntau yam uas koj muaj peev xwm ua tau, thiab yeej muaj ib tug neeg uas tau nyob ntawm lub teb chaws no ntev txog 65,000 xyoo uas muaj kev sib cuag nrog lub teb chaws no ua tus coj koj mus ncig. Tsis yog tias yuav pab kom koj cov kev ncig yog ib co kev ncig zoo xwb tab sis tseem yuav pab tej tej kab lis kev cai thiab pab tau cib fim lagluam rau neeg txum tim tej zejzog thiab.

Today I'm here to share a fantastic conversation with Hannah Kesler. Hannah is an Infinite Banking Concept (IBC) practitioner, and joined us to break down the essentials of the concept and share her insights on financial health. This episode is packed with valuable information that could help you take control of your finances, so let's dive right in! Infinite Banking Concept (IBC) Practitioner Hannah introduces herself as an IBC practitioner. She specializes in a unique financial strategy that leverages whole life insurance policies. These policies offer uninterrupted compound interest and tax-free growth. Though this might sound complicated, Hannah makes it simple for us to understand. She encourages anyone interested in finding a trustworthy practitioner to use the Nelson Nash Institute's practitioner finder. This tool can be found at infinitebanking.org. She mentions that while her focus is exclusively on IBC, she directs those with other insurance needs to the appropriate experts. Importance of Financial Health Hannah emphasizes the significance of taking financial health seriously. She compares it to the time we often spend on entertainment, urging us to allocate the same dedication to our financial well-being. This means making informed decisions and treating our financial goals as top priorities. Compound Interest Albert Einstein once called compound interest the eighth wonder of the world, and Hannah explains why. By keeping your money within a whole life policy, you allow it to grow consistently without interruption. This becomes especially advantageous when taking a policy loan, where the growth continues even as you use the money elsewhere. Policy Loan Details Hannah breaks down policy loans, describing them as collateralizing the death benefit while money continues to grow in the policy. Joe shares a personal regret of withdrawing from his IRA, highlighting the missed opportunity for compound growth – a mistake that the IBC strategy aims to avoid. Starting Point in IBC Regardless of age or financial situation, Hannah encourages everyone to consider implementing IBC. She quotes Rick Warren, emphasizing that how you finish the race of life matters just as much as how you start. Treat Yourself as Your Number One Asset Hannah advises paying yourself first by setting aside 10% of your income into savings before covering other expenses. She suggests using Rocket Money to manage your finances, which Joe also appreciates for its simplicity and effectiveness. Quarterly Check-ins and Resources Hannah's organization, The Money Multiplier, offers an implementation team that provides quarterly check-ins and additional resources to members at no extra cost. Whole Life Insurance Benefits Hannah addresses skepticism around whole life insurance, often fueled by figures like Dave Ramsey and Susie Orman. She points out that commercial banks are the largest purchasers of whole life insurance because of its benefits: Uninterrupted Compound Interest and Tax-Free Growth: Policies offer consistent growth without the taxes that usually come with other investments. Control Over Finances: Policyholders can withdraw money after funding for 30 days, using it for various investments. No Obligation to Repay Loans: Loans from the policy can remain unpaid, with the unpaid amount deducted from the death benefit. Overfunding and Policy Mechanics Starting young worked well for Hannah, who began saving $400 a month at 18. Overfunding the policy through Paid-Up Addition (PUA) riders accelerates cash value growth. For instance, in a $250 premium, 40% covers the base, while 60% goes into PUAs, acting like "booster rockets." Financial Habits and Family Influence Hannah learned from her father to keep money, not just make it. Growing up, her family did not teach her about money, leading to initial poor money management habits. She now stresses the importance of tracking income and expenses and saving at least 10% of her income. Skepticism and the Wealthy's Strategy Joe highlights that following financial practices used by the wealthy, such as whole life insurance for uninterrupted compound interest and asset protection, can be highly beneficial. Control Over Investments Hannah prefers managing her investments personally, without relying on traditional retirement accounts like self-directed IRAs, 401ks, or Roth IRAs. She values the control, freedom, and uninterrupted compound interest offered by IBC. Tax Strategy Hannah discusses her tax strategy, advocating for paying tax on money once, ideally at the lowest rate possible. She uses a system where post-tax money is placed into a policy, allowing for tax-free growth. Her approach involves potential tax deductions if funded by a business and a “1041 trust and tax structure,” similar to strategies used by wealthy individuals like Bill Gates and Warren Buffett. Trust Structure and Real Estate Money is moved from policies to a business trust, then to a family trust, and finally to a foundation, with a mandatory 5% donation from the foundation to cover tax liabilities. Real estate investments can also be integrated into this tax structure, providing additional charitable giving benefits and tax reductions. Resources and Contact Information Hannah encourages listeners to seek advice from tax professionals and offers to connect them with her contacts. She recommends the book "Mapping Out the Millionaire Mystery" and suggests reaching out to her via email at hannah@themoneymultiplier.com for further information. The Money Multiplier Website Nelson Nash Institute The Money Multiplier 90-Minute Presentation Rocket Money App Conclusion This conversation with Hannah Kesler was truly enlightening. We delved into the Infinite Banking Concept, discussed the importance of treating oneself as a primary asset, and explored practical strategies for financial health. The key takeaway? Take control of your financial future with the smart use of whole life insurance policies and strategic planning. As always, the Hustle and Flowchart community is here to support you on your journey to financial success. Stay tuned for more eye-opening episodes! Two Other Episodes You Should Check Out The Wealth Hacker: Unlocking Financial Freedom with Dave Wolcott Unlocking Passive Income Through Real Estate with Tom Burns Resources From Episode What if you could have a FREE personal mentor on-demand?! With Joe's Hustle & Flowchart AI clone, you can tap into the knowledge from over 600 episodes any time! Whether you need advice on scaling, marketing, or productivity, my AI clone is here to help. Accelerate growth with HubSpot's Sales Hub Check out other podcasts on the HubSpot Podcast Network Grab a 30-Day Trial of Kartra We want to hear from you. Send us the One Thing you want to hear on the show. Connect with Joe on LinkedIn and Instagram Subscribe to the YouTube Channel Contact Joe: joe@hustleandflowchart.com Thanks for tuning into this episode of the Hustle & Flowchart Podcast! If the information in these conversations and interviews have helped you in your business journey, please head over to iTunes (or wherever you listen), subscribe to the show, and leave me an honest review. Your reviews and feedback will not only help me continue to deliver great, helpful content, but it will also help me reach even more amazing entrepreneurs just like you!

What is Nelson Nash's Infinite Banking Concept? You might have heard it mentioned by rice and beans gurus like Dave Ramsey, but in this episode, Brian and Hans peel back the curtain on everything you need to know about the incredible asset that is whole life insurance.  For those who have been intrigued by the ideas they have talked about, but still unsure on the basics, this episode covers it all: the fundamentals of policy structure, mutual insurance companies, the flexibility of policy loans, and how IBC can be used for protection, financing, and as a safe foundation from which to make investments.They explain the crucial difference between base premiums and paid-up additions and demystify the process of actually taking out a policy loan, taking the seemingly complex concepts down to their simplest form. IBC Fundamentals: IBC policies are structured with two main components: base premiums and paid-up additions (PUAs). The base premium is described as the foundation of the policy, providing the core death benefit. PUAs, on the other hand, are likened to "miniature policies" allowing for rapid cash value growth. The combination of base premiums and PUAs is what sets IBC policies apart from traditional whole-life insurance.  Policy Loans and Their Advantages: American family spends about 34.5% of their lifetime income on interest payments to outside entities. By using policy loans instead, policyholders can keep that money within their own "ecosystem." These loans can be used for significant expenses like buying cars, paying for children's weddings, purchasing a second home, financing a mortgage, taking vacations, or even charitable giving. The main advantage is that money in the policy continues to grow and compound even while being used for these purchases, avoiding the opportunity cost of paying cash.  IBC is Efficiency and Control: In the ‘protect, then save, then grow' mindset of financial strategy, a whole life policy is the optimal tool for the protection and savings components. From that position of safety, you can more efficiently expand your growth assets by leveraging the power of certainty, liquidity, and control in your policy. The banker (policy owner) makes the rules, and the contractual rights inherent to the whole life policy yield greater flexibility in the banker's quest for optimization. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Australia's warm climate offers an abundant supply of solar energy year-round, making solar power an increasingly significant contributor to the nation's electricity supply. Learn what the requirements are for installing solar power systems in your home. - Australia tej huab cua sov ua rau muaj peev xwm siv tau tej sab hnub thawm xyoo, thiab ua rau tej zog sab hnub tau ras los ua ib co tseem ceeb uas pab haiv neeg no tsim hluav taws xob siv. Txheeb ntxiv seb yuav tau ua dab tsi thaum koj xav nruab tej phiaj ziab tshav rau ntawm koj tsev.

Home Affairs Minister Clare O'Neil has labelled democracy our most precious national asset. But some people say it's at risk. - Clare O'Neil uas yog tus nom tswj lub tuam chav Home Affairs dhau los tau hais tias cov kev tswj hwm democracy yog ib co peev txheej tseem ceeb tshaj plaws ntawm peb haiv neeg. Tab sis ib txhia neeg xav tias tej zaum yuav muaj kev phom sij.

Close The Door Podcast bersama Refly Harun

Australia npaj yuav tsis pub tej me nyuam yaus siv social media platforms...

According to recent research, the biggest concern facing Australians today is the economy, and it's causing ruptures within our society. - Raws li tau muaj ib co kev teeb txheeb tsis ntev los no qhia, ces tej lagluam yog ib co neeg Australia txhawj xeeb tshaj plaws tam sim no, thiab yog tej tab tom ua rau muaj kev sib twg tswj rau peb tej zej tsoom.

Raws li tau muaj ib co kev teeb txheeb tsis ntev los no qhia, ces tej lagluam yog ib co neeg Australia txhawj xeeb tshaj plaws tam sim no, thiab yog tej tab tom ua rau muaj kev sib twg tswj rau peb tej zej tsoom.

Australia lub txhab nyiaj faj seeb haiv Reserve Bank of Australia tseem yuav qhia tias seb puas yuav nce kab theem paj...,

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Your policy design affects how fast your cash grows and the degree of early capital accessibility. In the first of a recurring ‘Under the Hood' series, Hans and Brian dive into the often misunderstood concept of Policy Design—the structure and components that make up your whole life insurance policy. While many people view insurance premiums as just an expense,  it is more accurate to think of premium into the policy as moving from a less efficient vehicle to an optimal savings vehicle. This ‘cash value,' is accounted for as an asset, which enjoys extremely favorable tax benefits in addition to first line secured creditor access rights. Understanding policy mechanics helps you make informed decisions about premium allocation to boost the efficiency of your whole life insurance policy. An intentionally strucutred ratio of base premium to paid-up additions (PUAs) can provide both long-term growth and early cash value accessibility. Maximizing the potential of your policy through proper design is both a powerful financial strategy now as well as a way to secure your family's financial future. Learn how to ensure your policy is aligned with your long-term financial goals: Base Premium vs. Paid-Up Additions (PUAs): The structure of a whole life policy involves a balance between base premium and PUAs. Base premium builds the foundation of the policy, while PUAs provide early cash value growth and accessibility. Long-Term Thinking: Proper policy design requires long-term thinking. While PUAs provide immediate cash value, a strong base premium yields greater efficiency and growth in later years. Customization: Policy structure should be tailored to individual needs and goals. Factors like age, financial objectives, and time value of money play crucial roles in determining the optimal balance between base premium and PUAs. Cash Value Accessibility: A well-structured policy allows for immediate cash value accumulation through PUAs, making funds more accessible for the Infinite Banking strategy without sacrificing long-term growth potential. Premium as an Asset: Unlike term insurance, whole life insurance premiums should be viewed as purchasing an asset rather than an expense (which is why banks and corporations stack the asset column of their balance sheet with whole life cash value). The policy's cash value remains accessible and grows contractually guaranteed over time, providing both protection and a financial tool for implementing the Infinite Banking Concept. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Today, we're answering a listener question on maximizing financial windfalls: Can you do a future episode on what to do with a windfall? Specifically, the use of a premium deposit fund over many years and dumping it into a 7-pay or 10-pay policy. I would love to hear how this could be an option for inheritance or selling a business or property. https://www.youtube.com/live/cRRw5Hi_B90 What should you do when a financial windfall lands in your lap? Whether it's from selling a business, a property, or receiving an inheritance, knowing how to manage and maximize a large influx of cash can be daunting. On this episode of the Money Advantage podcast, we tackle this critical question by breaking down strategic approaches tailored to individual financial goals and circumstances. Using the analogy of a sailboat, we explore how to incorporate additional funds into a well-balanced policy without risking instability or running afoul of modified endowment contract laws. Our discussion touches on the considerations for managing windfalls through life insurance policies. We look at the sustainability of funding new policies beyond the initial windfall and the implications of different funding durations, like 10-pay versus 30-pay options. The potential benefits of convertible term life insurance and practical steps for integrating significant windfalls into your policy are highlighted. You'll gain insights into cash flow strategies and premium deposit funds, all aligned with long-term financial goals. Finally, we examine the benefits and pitfalls of various policy designs. From the "skinny base policy" with large Paid-Up Additions (PUAs) to the risks of prematurely hitting human life value limits, we cover it all. Our conversation also dives into the actuarial decisions that impact policy performance, emphasizing the importance of flexible policy designs to adapt to future changes. Can You Design a Policy to Store a Windfall?Policy Design for Maximizing Financial WindfallsUsing a Windfall to Pay Policy LoansFund an Investment FirstBook A Strategy Call Can You Design a Policy to Store a Windfall? One of the most common questions we get pertaining to windfalls—i.e. Unpredictable sums of money like an inheritance—is can you design a life insurance policy to plunk that money into? It's a smart question, especially if you are currently implementing an Infinite Banking strategy. After all, if you already know that life insurance is your preferred asset for warehousing wealth, why wouldn't you do so?  So what's the answer? Well, you certainly can design a whole life insurance policy to house a windfall, but you might not want to. At least, you might not want to put that money in via a lump sum. Otherwise, you run the risk of your policy turning into a MEC, or modified endowment contract. A whole life insurance policy can become a MEC by over-funding it and doing so means that it loses its designation as an insurance asset in the eyes of the IRS and it loses its tax advantages.  Think of your life insurance premiums as a sailboat. The base premium is the boat itself, the hull. To put additional funds into the policy, you would add term riders, which would be like the mast of the sailboat. Then, the PUAs are like the sails. If the mast or the sails get too big relative to the base of the boat, it's going to tip over. It won't be efficient—becoming a MEC. If you're trying to design a policy now for a potential windfall later, you would be designing a policy with a "skinny base" in order to have room for PUAs later. But doing this creates an unstable policy. All of this is to say, you definitely want to add sufficient term insurance riders and PUAs in a policy, but be careful to keep it balanced for your personal goals. Some people may want to have a MEC, but it's better to do so when you're choosing to, rather than by accident or carelessness.  Policy Design for Maximizing Financial Windfalls

Tej nyiaj pab cuam rau tej neeg puas cev raug coj mus siv tsis raws hom phiaj.

=== SNIPPETS FROM THE SUMMIT === You don't hear me talk about women in bars and clubs very often. As it turns out, there are plenty of good reasons for that. Not only do the PUAs tend to have that covered, most of you guys listening to this show are NOT pickup artists anyway. So why is it, then, that so many of us are left to believe that the advice for attracting women out on the town in Los Angeles or Miami will work with the kind of women we REALLY want...in the town we REALLY live in? This is the take many of you might have been waiting YEARS to hear. Find more at https://mountaintoppodcast.com === HELP US SEND THE MESSAGE TO GREAT MEN EVERYWHERE === The content in this show is NEVER generated by AI. I discovered it can't handle a joke a long time ago. Meanwhile, I'll keep the practical, actionable ideas coming as well as the entertaining part...all for free. If you love what you hear, please rate the show on the service you subscribed to it on (takes one second) and leave a review. As we say here in Texas, I appreciate you!  

Patrick Red is a dating coach who spent years living in Medellin, Colombia. He is one of the best known dating coaches in the industry and with a particular focus on Latin America!

Are you an expectant or new parent? You or your partner may experience the so-called ‘baby blues' when your baby is born. But unpleasant symptoms are mild and temporary. Postnatal depression is different and can affect both parents. Knowing the difference and how to access support for yourself or your partner is crucial for your family's wellbeing. - Puas yog tias koj tseem yuav tau me nyuam tshiab thiab yog ib tug niam txiv tshiab xwb? Tej zaum koj thiab koj tus txiv neb kuj yuav ntsib kev nyuaj siab tom qab yug me nyuam tag lawm. Txawm li cas los tej zaum kuaj tej yam ntxwv no hauj sim thiab tsuas muaj ib ntus xwb. Thiab yeej muaj tej yam ntxwv no sib txawv rau ib nkawm niam txwv twg. Yog li ntawd cov kev paub tias yuav nrhiav kev pab cuam li cas coj los pab rau koj thiab koj tus txiv thiaj yog tej yam tseem ceeb heev rau koj tsev neeg txoj kev noj qab nyob zoo.

In Australia, authorities strongly advise against eating mushrooms that have not been expertly identified or purchased from a supermarket or grocer, as some fungi can be toxic or deadly if consumed. In each State and Territory, rules and regulations vary, and mushroom foraging is not allowed in some areas. - Ntawm Australia no ces, tej nom tswv yeej taw qhia kom tsis txhob noj tej nceb uas tsis tau txais kev ua tib zoo txheeb ntawm tej kws paub nceb zoo, los yog tsis txhob yuav tej nceb ntawm ib lub supermarket twg, los yog ib lub khw muag khoom noj twg los noj, vim qee yam nceb yog nceb muaj taug thiab yuav raug kev phom sij loj heev yog tau noj lawm. Ces thiaj li muaj tej cai sib txawv ntawm tej xeev los tswj cov kev mus de nceb qus tom hav zoov, thiab yeej txwv tias tsis pub mus de nceb ntawm qee thaj chaw twg.

Australians have access to a quality and affordable public healthcare system. There's also the option to pay for private health insurance, allowing shorter waiting times and more choices when visiting hospitals and specialists. - Neeg Australia yeej tau siv cov kev kho mob zoo thiab tsis tshua kim. Yog yus yuav cov private health insurance lawm ces kuj yuav pab kom yus tau siv cov kev kho mob no sai zog, thiab muaj ntau txoj xub ke kho mob rau yus xaiv siv thaum mus siv tsev kho mob thiab tej kws kho mob uas paub kho ib yam dab tsi tsi ntsees.

Why Good Women Don't Like Nice Guys | The Return Of PUAs? Coach Greg Adams YouTube Channel Free Agent Lifestyle YouTube Channel

In order to make IBC work with life insurance, you want to have a PUA rider on the policy. In this episode, Ii explain what it is and how it works. Audio Production by Podsworth Media - https://podsworth.com 

Around three million Australians have a government loan through HELP, the Higher Education Loan Program. You too may be eligible to defer your tertiary tuition fees until you secure a job. - Muaj neeg Australia txog li ntawm peb million tus yeej qev tsoom fwv tej nyiaj ntiav kawm qib siab (Higher Education Loan Program - HELP) siv. Tej zaum koj kuj yuav muaj cai ncua tsis them tej nqe kawm no txog rau thaum uas koj nrhiav tau ib txoj hauj lwm ruaj ua thiab.

Season Three Finale. In this Wild Card episode, Conor and Caroline roll out the red carpet again for the 4th Annual Poor Unfortunate Awards® (PUAs®)! With 20 unique categories and over 100 nominees, this is the biggest event in Imagined Disney Award history. Prepare yourself for those award season butterflies as they decide who will walk away empty-handed and who will walk into the after party with the coveted Golden Pua®!Follow us on Facebook, Instagram, and Twitter for fun content and exciting new updates!Join the Poor Unfortunate Fam, our Facebook Group for listeners who love the podcast and want to keep the discussions going!If you like what you're hearing, help us keep bringing you your favorite Disney content by making a donation to Poor Unfortunate Podcast today!*This podcast is not affiliated with The Walt Disney Company.Support the show

A deep dive into the manosphere, with the scholar who knows it best, Louis Bachaud. The manosphere is a constellation of 5 loosely affiliated communities, including pick-up artists (PUAs), men's rights activists (MRAs), "Men Going Their Own Way" (MGTOW), incels (the "Black Pill" communiy), and the "Red Pill" community. Louis details the history of the manosphere, describes the current factions and their differences, and guides us through their use and misuse of science, especially evolutionary psychology. The episode opens with a systematic critique of the manosphere, and the interview starts around 34 minutes in. Enjoy. Recommended background, especially for critiques of the manosphere: - Bachaud, L., & Johns, S. E. (2023). The use and misuse of evolutionary psychology in online manosphere communities: The case of female mating strategies. Evolutionary Human Sciences, 5, e28.  For the size and direction of sex differences, see: - Archer, J. (2019). The reality and evolutionary significance of human psychological sex differences. Biological Reviews, 94(4), 1381-1415.  - Stewart-Williams, S., Butler, C. A., & Thomas, A. G. (2017). Sexual history and present attractiveness: People want a mate with a bit of a past, but not too much. The Journal of Sex Research, 54(9), 1097-1105.  - Schmitt, D. P. (2005). Sociosexuality from Argentina to Zimbabwe: A 48-nation study of sex, culture, and strategies of human mating. Behavioral and Brain sciences, 28(2), 247-275.  - Buss, D. M. (1989). Sex differences in human mate preferences: Evolutionary hypotheses tested in 37 cultures. Behavioral and brain sciences, 12(1), 1-14.  For extra-pair paternity: - Wolf, M., Musch, J., Enczmann, J., & Fischer, J. (2012). Estimating the prevalence of nonpaternity in Germany. Human Nature, 23, 208-217.  - Anderson, K. (2006). How well does paternity confidence match actual paternity? Evidence from worldwide nonpaternity rates. Current anthropology, 47(3), 513-520. - Bellis, M. A., Hughes, K., Hughes, S., & Ashton, J. R. (2005). Measuring paternal discrepancy and its public health consequences. Journal of Epidemiology & Community Health, 59(9), 749-754.  For age gaps: - Conroy-Beam, D., & Buss, D. M. (2019). Why is age so important in human mating? Evolved age preferences and their influences on multiple mating behaviors. Evolutionary Behavioral Sciences, 13(2), 127.  - Antfolk, J., Salo, B., Alanko, K., Bergen, E., Corander, J., Sandnabba, N. K., & Santtila, P. (2015). Women's and men's sexual preferences and activities with respect to the partner's age: Evidence for female choice. Evolution and Human Behavior, 36(1), 73-79.  - Buunk, B. P., Dijkstra, P., Kenrick, D. T., & Warntjes, A. (2001). Age preferences for mates as related to gender, own age, and involvement level. Evolution and Human Behavior, 22(4), 241-250.

Game her, give her a grand, and you've got a same night lay on your hands! Adam The Liar gets absolutely wild and Bryan & Krissy rethink their sign off. Naptime blues Our show, it's violent and inappropriate! Queefs! The Star Wars Edition! He's got blow-nose on a conference call We're thinking about merch (slay) Bryan is a fool...BYEEEEE! NOW GIT! The early days of TCB Adam The Liar! The old pick up artist community, you know! PUAs unite! The hazards of closing You! Got! Gamed! SAME NIGHT LAY An unexpected squirt! “Michael Anthony” Bryan it's John Anthony Lifestyle how dare you forget LINKS: Send us show ideas, comments, questions or concerns by texting us   626.ASK.TCB3 text or leave us a voicemail Watch TCB on YouTube Creator: Bryan Green Co-Host: Bryan Green Co-Host: Krissy Hoadley Producer: Christina A.  Producer: Gustavo B.  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Game her, give her a grand, and you've got a same night lay on your hands! Adam The Liar gets absolutely wild and Bryan & Krissy rethink their sign off. Naptime blues Our show, it's violent and inappropriate! Queefs! The Star Wars Edition! He's got blow-nose on a conference call We're thinking about merch (slay) Bryan is a fool...BYEEEEE! NOW GIT! The early days of TCB Adam The Liar! The old pick up artist community, you know! PUAs unite! The hazards of closing You! Got! Gamed! SAME NIGHT LAY An unexpected squirt! “Michael Anthony” Bryan it's John Anthony Lifestyle how dare you forget LINKS: Send us show ideas, comments, questions or concerns by texting us   626.ASK.TCB3 text or leave us a voicemail Watch TCB on YouTube Creator: Bryan Green Co-Host: Bryan Green Co-Host: Krissy Hoadley Producer: Christina A.  Producer: Gustavo B. 

Want to see the real-time historical performance of the Infinite Banking Concept?  Usually, when you hear about policy performance, it's from looking at illustrations. But illustrations aren't "performance," they are projections of future growth, based on current dividends and interest. That's why we love getting the opportunity to share the actual historical performance of Infinite Banking policies, and our philosophy and vision for building our family banking system with multiple policies.  https://www.youtube.com/watch?v=C39wi4O3838 Today, we're discussing the actual capitalization, growth, dividends, cash values, and death benefit of our Family Bank. Our conversation shifts to the personal legacy we're crafting through our family banking system, a journey that began 11 years ago with our first whole life insurance policy. We recount the pivotal decisions that shaped our financial foundation, such as transitioning our assets from precious metals to a more liquid form.  We delve into the significance of long-term planning and how our present actions are intended to bless generations to come. Engage with us and consider how you might shape your own infinite banking story. Lastly, we explore the strategic intricacies of life insurance policies, emphasizing the importance of designing a policy to allow for as large of premiums for as long as possible. Prior Episodes In This SeriesStructure of the Family Banking SystemDividends on the Annual StatementNew IllustrationsThe Difference in a YearBook A Strategy Call Prior Episodes In This Series Part 1 Mar 2022: Why We Started a New Life Insurance Policy Part 2 Oct 2022: Adding a Second Whole Life Policy Part 3 Feb 2023: Capitalization Phase - End Of Year Update Structure of the Family Banking System In this episode, we take a look at the annual statements for our family banking policies, and the components to be aware of. It's important to us that we share what we're doing with our family so that you can see proof of the Infinite Banking Concept in action. In the first policy (listen or watch the full episode to get the details on our 2nd policy as well) we examine, our total premium is $20,000. However, you can break down that premium and see that there are several components at “work” in our premium.  The base premium is the minimum amount of premium that must be paid every year to keep the policy current. This is actually only a little more than $7,000. The rest of the 20k premium is composed of Paid Up Additions (PUA) and other riders. One such rider is called “waiver of premium.” This rider can only be applied to the base premium, and it protects the policy owner from paying premiums in the event of a disability that prevents working. There is also a term insurance rider on the policy, with its own waiver of premium rider.  The term insurance rider lasts for 30 years, and the corresponding death benefit will drop off after that term unless it's converted to additional life insurance. This conversion option allows us to keep that death benefit if we wish, and build additional cash value after it's converted to whole life insurance. This is a great way to maximize your death benefit when you're starting out.  Dividends on the Annual Statement On our annual summary, you can also see the total accumulated dividend we earned for the year and how it was applied. The line items can get a bit confusing, as it moves between dividends and additional death benefit, but for the year our total dividend was $4,233.15. A large portion of this came from the base policy, while a more significant portion of this came from various PUAs. Our “lifetime” total for dividends earned since 2021 is $7,800.48. So in one year, we earned more dividends than the previous year. This is a testament to the power of compounding interest.  In this section, you can see that the PUAs are also adding about $2 of death benefit for every dollar of premium...

It came from the manosphere. . . In part 1 we learn about pickup artists, or PUAs — a group of men who've designed manipulative strategies in an attempt to attract women. In part 2, we explore the community of men's rights advocates, or MRAs — a group that feels men are the oppressed gender. The Sad Girls were not a fan of either. lolwtfbbq ig: @sadgap.podcast / @misandristmemes / @txgothgf / music producer @iamjonnibrooks.eth

Infinite Banking gives you the advantages of cash value, dividends, and a death benefit that all grow over time, making a policy more and more attractive the longer you have it. And the methods to fund your policy are as unique as you are. Because you have a need to pay for things during your lifetime, the IBC capitalization of whole life insurance addresses this need head-on.   https://www.youtube.com/watch?v=kwWoL_l3x-s Rather than thinking of your life insurance and your large ticket purchases as two separate things, Infinite Banking demonstrates a system to do both. By financing large purchases like cars, equipment, and rental properties with your Infinite Banking policy, using it to control the banking function, you can add dollars into the policy that make it perform better over time. Unlock the secrets to controlling your own finances with an in-depth exploration of Nelson Nash's "Becoming Your Own Banker." Experience the power of capitalizing a policy that provides greater acceleration, increased cash value, and dividend returns, and learn how this process allows you to reap the benefits of the Infinite Banking Concept. We'll also tackle the human condition's impact on understanding and utilizing this concept, and how personal growth and mindset shifts are necessary to maximize these benefits. Discover how to finance equipment using infinite banking, focusing on maximizing your policy's value. Listen as we break down Nash's method: financing a policy for just four years, then using dividends and a slice of the death benefit to pay the base policy. We'll also delve into the potential of combining a policy with equipment financing, forming a powerful financial tool that helps you purchase assets without traditional financing. What If You Don't Want to Capitalize As Long As Possible?Using Your Money After IBC CapitalizationCan You Pay Additional Interest?Book A Strategy Call What If You Don't Want to Capitalize As Long As Possible? Last week, in our conversation on capitalization, we concluded that if you want the maximum amount of cash value growth, you've got to maximize your capitalization. That means paying all of your base premiums and all of your PUAs for as long as you possibly can. However, there may be reasons that you can't do this, or don't want to do this. After all, life happens unexpectedly, and sometimes we have to pivot our plans.  That's why Nelson offers an alternate option in his book. What if you only maximized your capitalization for 4 years? Then, after that, you started to use the policy, and you found other ways to fund the premium? While his example may feel extreme, it highlights just how flexible whole life insurance can be—that even in four years, your policy can basically pay its own premiums.  He does this by surrendering the dividend and using it to fund the base premium only—no PUAs. However, in four years, the dividend isn't quite high enough to do this fully, so he also surrenders some death benefit. This reduces his base premium, making it possible for the dividend to fully cover the base premium if he chooses.  Using Your Money After IBC Capitalization So let's examine Nelson's method in this chapter. After he pays premiums with the dividend, he recommends using the banking function. In other words, it's time to finance a purchase. In his particular example, he has a little over $159,000 of cash value. And in order for the insurance company to make money off of that, they have to lend an equivalent sum to someone. So, of course, they're going to lend it to you.  When the insurance company lends you money, they're giving you their money, not yours. Instead, they put a lien against your cash value. That way, if you don't pay, you can consume your cash value to reduce the loan (however, you don't want to do this if your goal is to have a large pool of capital). What you want to do is diligently pay your loan back, at the very least,

Exclusive Content HERE: castleclub.tv - https://freshandfit.locals.com/ Wanna be heard? SUPERCHAT BUTTON: fnfsuperchat.com - https://streamlabs.com/sl_id_b370660a-0f1c-3313-9b32-248f5d390fa6/tip FIRST DAY LAY COURSE AVAILABLE NOW: https://unplugged-lifestyle.mykajabi.com/offers/T27cB3gY/checkout King Dre: https://www.youtube.com/@kingdreism https://www.instagram.com/kingdreism/ https://www.tiktok.com/@kingdreism?lang=en ️Rumble️ ➜https://rumble.com/freshandfit -------------------------------- Clips Channel ➜ https://www.youtube.com/c/FreshandFitClips/videos -------------------------------- Purchase Our Merch ➜https://www.freshandfitstore.com/ Get 30% off your first box, plus a FREE gift, when you give Tiege Hanley a try at: https://tiege.com/fnf Use Code "fresh" for discount with Gorilla Mind: https://www.gorillamind.com/fresh Get Your Confidence Back With Blue Chew: https://www.get.bluechew.com/freshfit Order Myron's book "Why Women Deserve Less" here: https://a.co/d/9YdQI9d FIRST DAY LAY COURSE AVAILABLE NOW: https://unplugged-lifestyle.mykajabi.com/offers/T27cB3gY/checkout ⏲️ TIME STAMPS ⏲️ 0:00 : Preview 4:30 : Intro! 5:40 : Show begins - Quick Announcements 7:00 : Get the First Day Lay BluePrint (LAST CHANCE) 7:40 : How King Dre blew up on TikTok? 10:00 : Who is King Dre & how did he master the game? 14:30 : Biggest issue with men in the dating market 16:20 : How to win over an alpha widow? 18:00 : Always make her invest & bring you stuff 19:20 : Destiny & Melina situation proves - A woman CANNOT serve 2 masters 22:00 : Women need security & boundaries from you to respect you 25:00 : Was Picking up Girls easier in the 90's? 28:30 : Why most women don't respect most men? 31:00 : Misandry is socially acceptable 33:30 : Destiny is out of Melina's league 39:30 : Religion WON'T save you from these 304s 41:00 : Biggest mistake guys in relationships make 44:00 : How can men avoid divorce & make women stay in relationship? 48:00 : Rise of PUAs & Game 51:00 : King Dre - ‘My Bluepill friends thought I was evil'

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Prepare to elevate your financial game as we unravel the infinite secrets in Nelson Nash's Infinite Banking concept. Promise yourself a brighter financial future armed with the knowledge of how you can start controlling the banking function in your life, maximizing your cash value, and creating a lasting legacy.  https://www.youtube.com/watch?v=xBWRAq4WcNs We'll reveal how to strategically capitalize your banking system so that you can experience the power of Infinite Banking in your life and legacy. Dividend-paying life insurance makes everything you're already doing in your financial life better—financing, income, saving, investing, and leaving a legacy. That's because you gain a banking system that produces compounding interest and dividends that you can use in various ways.   As we navigate through Nash's infinite banking concept, we shed light on taxable income and financing in banking. We break down how this concept can be used to finance significant purchases, using a logging truck as a case study. We also offer valuable tips for success in business, reminding you that understanding the perspective behind the words is pivotal to applying the Infinite Banking concept in various financial scenarios. We're excited to share these insights and encourage you to consider booking a session with an advisor to fully leverage this concept. Let's together create an empowering financial future! The bottom line is that capitalization drives your ability to reap the benefits. The more you capitalize, the greater your advantages.  How you capitalize and the methods you use are a matter that requires looking at your personal situation and playing your cards best, whatever hand you are dealt. Controlling the Banking FunctionCapitalization is Key Other Ways to Capitalize an IBC PolicyHow Long Should You Capitalize? Book A Strategy Call Controlling the Banking Function When we talk about the Infinite Banking Concept, it's critical to understand that IBC refers to the banking function, not the asset you use (whole life insurance). So what does it mean to control the banking function? Controlling the banking function is about replacing the bankers in your life and, as the title of Nelson Nash's book suggests, becoming your own. You're NOT becoming the bank, however. What it means to be the banker is to be in control of how you save, store, and invest your capital. You're in control of moving money and approving major financing, rather than relying on someone else to do it for you. And in order to control the banking function in your life, you have to have capital. That's where whole life insurance comes in. Whole life insurance is an ideal place to store and grow your capital for many reasons, namely that you get to partake in safety, liquidity, and growth. Many assets only offer two of the three components, maximum. Controlling the banking function doesn't stop there, though. You've got to fund the asset, which Nelson also calls the capitalization phase. This is central to the Infinite Banking strategy. Capitalization is Key  [10:30] “The end conclusion of this chapter is that the most cash value and the most death benefit at the end of the policy–the way you get that–is to capitalize the most. And what you can do to capitalize the most is to pay all of your base premium and all of your paid-up additions stacked together…all the way out [for] as long as possible in the policy.” Capitalization is how you build your capital, and you only do that through contributions. This is a big reason that cash value acts like a savings vehicle—because those premiums and PUAs contribute directly to cash value growth. The more you maximize your payments each year, the more capital you'll build–now and later.  So if you plan to use the living benefits of your whole life insurance, you've got to capitalize. You should want to pay as much money as possible because that's going to create the foundation for your...

E210: Is it Crazy to Stop Putting Money into the Infinite Banking PUA Rider? Managing cash flow can be challenging when maximizing your Infinite Banking policies. When is it best to reduce PUA payments to start a new policy? Can you fund PUAs indefinitely? The answer is that determining how much to fund into Paid-Up Additions Riders (PUAs) each year takes strategy. In this episode, Nate and Holly share an easy-to-understand framework for funding PUAs in the short and long term.  Learn why PUAs act like a “rocket booster,” rapidly building cash value in the early policy years. In addition, the hosts help you learn how to make nuanced, smart decisions personalized to your situation. * Do you get value out of the show? Please consider giving Dollars and Nonsense a five-star review on Apple Podcasts. * Get the free resources mentioned in this episode here: https://livingwealth.com/e210 * Checkout The 4 Stages of the Infinite Banking Concept (IBC) Commitment mentioned in this episode: https://youtu.be/BXX3QRLBFfI?si=sQDTicsbHsftbL1H Topics Discussed: Timing is Everything: Learn when paid-up additions riders become unnecessary for policy performance. New Policy Potential: Discover how reducing scheduled PUAs can launch additional policies. Psychology of Premiums: Understand the mental blocks limiting premium funding capacity. Rocket Boosters: See how PUAs rapidly build early cash value like a "rocket booster." Flexible System Funding: Determine if your age and goals support adjustable PUA contributions.   Peace of Mind: Find out how strategic PUA use encourages premium commitment. Strategic Scheduling: Realize the value of starting policies with realistic premium schedules. Understanding Policy Longevity: Consider how policy design impacts future PUA funding flexibility. Unconventional Approach: Learn how self-banking and Infinite Banking offers an alternative path. Escape the Bank and Take Control: Discover how you can be the bank and grow wealth on your terms.  

Unlock the secrets to infinite banking in this power-packed episode. We guide you through the intricate steps of using whole life insurance as a tool to gain financial freedom, inspired by Nelson Nash's groundbreaking book, "Becoming Your Own Banker". Learn the advantages and drawbacks of this system, and pick up practical tips on finding more money to capitalize a policy and pay more premiums. This episode is designed not just for the financially savvy, but for anyone who dreams of a more secure financial future. https://www.youtube.com/watch?v=HdpC6ZiIyEM One of the greatest barriers to achieving financial success is a lack of education and understanding. Let's break down these walls together as we discuss the stigmas and misconceptions surrounding the Infinite Banking Concept. We delve into Nelson Nash Institute's ambitious mission to broaden awareness and comprehension of infinite banking. Relying on the right people and the right knowledge will guide you towards a more solid financial standing. Imagine being able to finance multiple items like cars or even a mortgage through infinite banking. In this episode, we shed light on the infinite possibilities of using your income and assets to fund more policies. We explain how whole life insurance can be your stepping stone to accumulate wealth and how you can make your financial dreams come true. We also stress the importance of consulting with experienced advisors to get the most value out of your policies. So come on board and take control of your financial future with us. It's time to break free from financial constraints and build a plan tailored to your unique needs. Your Income Should Match Your PremiumHow Policy Design Affects PremiumMEC LimitsThe Value of Long-Term Thinking to Pay More PremiumsBook A Strategy Call Your Income Should Match Your Premium This is what Nelson Nash believes is the ultimate goal for someone practicing IBC. And yet, no one starts out at this level—it's not possible. You've got to start where you're able and slowly build your way up, increasing your premiums by increasing your portfolio of insurance policies over time.  The first reason you can't get all of your income running through a policy is because the insurance companies place factors on your income that limit how much insurance you can buy. This is because your death benefit acts as income replacement, and is therefore a factor of your income. If you're aged 18-35, you can get a death benefit of 35 times your income. To give you a snapshot, from age 46-50, you can get 20 times your income, and from 66 and up you can get 5 times your income.  This factor decreases because your number of remaining working years (at least by typical standards) is decreasing. And since insurance covers your income, the insurance companies are only looking at how much income you would earn in these assumed working years. All of this is a part of the Human Life Value calculation, which is essentially your economic replacement value.  How Policy Design Affects Premium The way your agent designs a life insurance policy will also impact your premium. Of course, some factors you cannot change—your age, health, and other income will contribute to the amount of premium you pay relative to your death benefit. However, an agent can design your policy to be structured with a blend of base premium and PUAs that can allow you to contribute even more premium to your policy.  [27:35] “One reason for why you'd want to put more premium dollars into a life insurance policy is if you realize that if I put a hundred dollars a month into a policy and that will earn me dividends and interest, and when those dividends are paid back into the policy I will earn dividends on those dividends. That's going to allow me to have that compound growth over time that is going to be a tremendous wealth builder over decades and over generations. And I want that kind of generational wealth-building too...

Prepare to unravel the mystique behind funding and overfunding life insurance, and the empowering concept of becoming your own banker. This episode holds the key to understanding how to fund a life insurance policy, maximize its cash value, and reap the benefits. Our human-centric approach puts you, the listener, at the forefront as we examine how to expand your contract and build additional ones to create your own holistic financial system. https://www.youtube.com/watch?v=0vyR5l4w3Wo We dive right into the heart of constructing a life insurance contract that prioritizes both cash value and death benefit maximization. Intricacies of balancing ordinary life, term, and single premium by contract components are laid bare, aiming to achieve the optimal cash value to death benefit ratio. We also confront the challenges of adding a single premium paid-up addition to a contract and the complications that arise when human life value is exceeded—all in the pursuit of financial freedom and security. Lastly, we venture into the evolution of universal life insurance over the past quarter-century, with a special focus on its transformation following the 2001 stock market crash. The allure of universal life, index universal life, and variable universal life are scrutinized, revealing their potential pitfalls and unpredictability. Before we sign off, we arm you with a list of recommended readings to further your understanding. Included is Nelson Nash's enlightening book, Becoming Your Own Banker, as we champion the importance of financial literacy and independence. Tune in and embark on this enlightening financial journey with us. Join us for this insightful look at life insurance, infinite banking, and gaining financial control! Overfunding Life InsuranceThe Importance of Policy DesignHow Long Should You Fund a Policy?What if You Want to Shorten Your Payment Window?What is Reduced-Paid-Up?Book A Strategy Call Overfunding Life Insurance When you fund a life insurance contract, there's only so much you can add into a policy—relative to the death benefit—before it becomes something else entirely. When you overfund, or add too much PUA into a policy, it actually changes from a life insurance policy to what's called a modified endowment contract, or MEC.  The precedent for this is written into the tax code, and is the IRS's way of making sure that people are not funneling al their money into life insurance to avoid taxes. After all, cash value grows in a tax-advantaged way, and you can actually experience it tax-free over your entire life if used correctly.  When a policy becomes a MEC, it loses the tax benefits, and becomes an ordinary taxable account. Meaning that you'll have to pay taxes on the growth of the policy, when you access the funds. While this does make a policy less efficient, some people may be okay with a policy becoming a MEC under certain circumstances.  The Importance of Policy Design When you're designing a policy, it's easy to think that the best possible design is to have the lowest premiums relative to your death benefit. However, that's not strictly true with life insurance. The more you put into an insurance policy, the more early cash value growth you can have. And so in most cases, you want to cozy up as close to the MEC limit as possible. At the very least, you want to aim for that. However, you also have to consider your priorities. Do you want to prioritize a higher death benefit in the early years, or higher cash value? This is going to depend on what assets you already have, most likely. But once you know the answer, you'll know whether you want to maximize PUAs or not, and toe that MEC limit.  The reason “base” premium doesn't toe that MEC line is simply because it's pure equity in the death benefit. Actuaries do a great job of calculating exactly how much you need to pay for your cash value to equal your death benefit at endowment. PUAs, on the other hand,

In this week's episode, Paul and Dave dive into PUAs and why IBC users should be looking to add more room to their policies. Additionally, the guys cover a few common misconceptions surrounding IBC for new users, opportunity cost, framing your policies as a legitimate business, and much more!Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Introduction0:27 - Episode beginning3:11 - Paid up additions4:06 - The benefit of PUAs9:19 - Every little bit helps10:56 - A common IBC misconception12:31 - IBC is a business, banking is a business15:46 - Opportunity cost, thinking long-term20:08 - Looking at opportunity cost through an IBC lens27:14 - Nothing great is ever created overnight31:01 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com