Loans

Episode 218: Top 10 Tough Questions When You Bank on Yourself (Part 2)

November 5, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

What are the hardest, toughest questions I’ve heard people ask?
Would you like to hear Episode 217?
Why should I use the company you’re showing me?
What about this other insurance company’s dividends?
What’s the story behind the dividend?
Is the company stable?
What are the 29 qualifications for a Bank on Yourself® type whole life insurance policy?
Does the life insurance death benefit cost too much?
Why can’t I just buy my own bonds?
How is banking a necessary function in society?
How will you know which bonds to buy?
Will you be able to borrow against your bonds?
Will you have the capacity to buy bulk bonds?
What about tax?
What about fees?
What about the true cost of a life insurance death benefit?
What happens to policy values if the U.S. dollar becomes less valuable?
What about the scarcity of a resource?
What about dollar valued assets?
What about interest rates rising?
What happens to your dividends when interest rates rise?
What about purchasing paid-up additions (PUAs) with dividends?
How are PUAs like tiny life insurance policies?
What about contracts?
Is dividend paying whole life insurance a contract?
How does one beat inflation?
How does one beat devaluation of the dollar?
What about future value?
What about insurance as a store of value?
What about life insurance going off the U.S. dollar (someday)?
What about change of currency (someday)?
What about the rate of return?
What about guaranteed growth?
What about the death benefit going to your loved ones?
What about the growth rate?
What about volatility and unpredictability?
What about getting close to the average rate of return?
What about you?
Who needs to know about this?
What does this spark in you?
What are people saying?
Have these episodes been valuable to you?
Would you like to write a review?

Episode 217: Top Ten Tough Questions When You Bank on Yourself (Part 1)

October 29, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

What about tough questions?
What about breaking even?
Why is Bank on Yourself® type whole life insurance worth it, when I am so close to retirement?
Have you missed opportunities?
Have you taken on too much risk?
…Compared to what?
What about an example?
Would you have enough money and time?
What about non paying tenants?
What about market downturns?
What is your time horizon?
Is your time horizon too short?
What would most financial advisors say?
What will you have?
What about real estate?
What about the stock market?
Why is it worth it?
What about an example?
What about a death benefit?
What about saving?
What about working?
Are you earning enough?
What accounts are taxable?
What makes sense?
What about waiting?
What is the best opportunity for my money today?
What about dealing with large sums of cash?
What about expenses?
What about policy loans?
What about locking in insurability?
What about earnings in a whole life insurance policy’s growth?
Can one get compounding back after losing the opportunity?
What about time?
What about guaranteed growth?
What about good health?
Is good health guaranteed?
What happens when one is uninsurable?
What about putting everything on hold?
Will life get in the way?
Is time your friend?
Is time your enemy?
Is there anything you can do about it?
Is the last deal you will ever do?
What would you like to give your future self?
Is there always more where that came from?
What is the power of the strategy?
How can I be sure that the life insurance company will come through on its guarantee?
What about guarantees?
Is past performance indicative of future results?
Would you like to listen to Episode 128?
What about bonds? What happens if bonds fail?
What about cash flow?
What about policy dividends?
What has happened since 1920 in corporate bond yields relative to inflation?
What about investment grade fixed income assets?
Why can’t I just forgo life insurance and save in a regular bank account?
What about an example?
What other financial vehicle can meet these expectations?
Does having your money safe and available for whatever you need take away any of your options? Or does it give you more options?
What tough questions do you have?

Episode 215: Client Spotlight with Jack Gerstner

October 15, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Can you rely on someone else to create your financial plan?
Have you heard Episode 122?
Who is your money guru?
Who is Jack Gerstner?
What about financial education?
What about research?
What about being open to new ideas?
What about challenging assumptions constructively?
What is Jack’s story with money?
What’s Jack’s story with crypto?
What happened when Jack read the Bank on Yourself Revolution book?
How does Jack use and leverage the whole life insurance policies?
What about renovations on properties?
What about medical bills?
What about speculation?
What about leaving a legacy?
What about property taxes?
What about compounding power?
How are taxes life’s greatest expense?
What makes all the sense in the world?
What is Jack’s strategy with whole life insurance and crypto?
What about Bitcoin?
What about speculation and volatility?
What about dollar cost averaging?
What about risk?
What about dividend paying whole life insurance?
What about annuities?
What about “anchor” assets?
What is Jack’s framework for allocation?
What about an emergency fund of three to six months of living expenses in your whole life insurance policy?
What about giving your money a job?
What about Jack’s philosophy for finance?
How is money a tool?
What about trusting and verifying?
What is a wise allocation of time?
What about a healthy distrust of mainstream advice, in general?
What about financial responsibility?
How about owning and learning the right way?
How do Bank on Yourself® type whole life insurance policies allow you to take more responsibility?
Who cares the most about your money?
What about purchasing power?
What about inflation?
What about inflation as a tax?
What happens to dividends on policies when interest rates rise?
Why did Jack join the Navy?
What would Jack tell his 18-year-old self?
What about paying attention to time?
What about responsibility?
What is reliable?
What is within your control?
What about your internal locus of control?

Jack Gerstner lives in Elmhurst, IL with his beautiful wife Lauren and their daughter Mia. They have a baby boy due in November 2021. Jack is an Illinois native and has lived here his entire life. He is a Transportation and Logistics professional and an Officer in the Navy Reserve. When he’s not spending time with his family or working, Jack enjoys running, reading, and learning about finance. Jack started his Bank on Yourself journey in June 2014 with Lake Growth Financial and now has multiple policies on him and his family.
Contact Jack on LinkedIn

Episode 213: 8 Ways to Prosper From Annuities

October 1, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Do annuities stink?
What are the retirement experts saying?

In this episode, I explore the Kiplinger’s Article from June 3, 2021 on 8 Surprising Ways to Prosper on Annuities and add some of my own thoughts. Have you read this article? It’s really good…

What are the three questions you need to ask yourself before buying an annuity?
How do you want to fund your annuity?
Can you add to a flexible annuity?
When do you want the money?
What is a SPIA (a single premium immediate annuity)?
What is a deferred annuity?
What about earning interest?
How do you want it to grow?
What is a fixed annuity?
What about variable annuities?
Who assumes all of the risk?
What is guaranteed?
What about a fixed deferred annuity?
What about a declared rate annuity?
What about the interest calculation?
How does an annuity compare to a CD?
What about the S&P 500?
What about when the market is up?
What about when the market drops?
What about allocations?
What about locked-in increases?
What is the safety of a fixed indexed annuity?
Does a fixed indexed annuity make sense for you?
What about charity?
What about long term care?
What about estate planning?
What about RMDs?
What is the bucket strategy?
What about the short term?
What about the medium term?
What about the long term?
What is laddering?
What is a bond market hedge?
What about period certain income?
What is bond market risk?
What about transferring wealth to your heirs?
Would you like to hear Episode 211?
What about an annuity with a death benefit?
What about a series of payments?
What about a joint life annuity?
Who is your survivor?
Does your survivor need to be a spouse?
What about a child or grandchild?
Does an inheritance strategy change the monthly income amount?
Does the annuity bypass probate?
What about social security benefits?
What about waiting until age 70 to take social security benefits?
What happens to the monthly amount?
What are the downsides?
What about health?
What about reliable income?
What about long term care expenses?
What about underwriting for long term care in an annuity?
Do they require medical exams?
What about giving more money to charity?
What is a charitable gift annuity?
What about minimizing estate taxes?
What about loss of liquidity?
What about reducing your required minimum distributions (RMDs)?
What is a QLAC or qualified life annuity contract?
Are you forced to take money out of qualified plans?
What happens at age 85?
How might one beat a CD at its own game?
What is a MYGA or multi-year guaranteed annuity?
What about a fixed period of time?
What about an additional savings bucket for retirement?
What about a fixed annuity over a certain period of time?
What are the options?
What’s the difference between a CD and a MYGA?
Who issues a CD?
Who issues a MYGA?
What about interest?
What about tax?
What about medical bills?
What about a strategy?
You’ve heard of deferred tax? What about deferred income?
What about two streams of income?
What about pay raises?
What about growth?
What about repaying a whole life insurance loan?
What surprising ways have you prospered from annuities?

Episode 208: Turning $82K into $20M with Chris Thurman

August 27, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

What about a seed?
Who is Chris Thurman?
What about his partner Grant Thompson?
What happened when Mark was a client?
What about love?
What about life insurance as a central component?
What about a story?
How do we need to think?
What about Nelson Nash?
Why did Nelson Nash plant trees?
What about having a huge impact on your family?
What about the numbers?
What about insurance on the wife?
What about insurance on the husband?
Who do we want to insure?
Who do we want to benefit?
What happened when the son-in-law ended up in the hospital?
What about the paid up additions riders (PUA riders)?
What about the death benefit?
What about getting the windfall?
What did they do that was different?
What did they do with the inheritance?
How did she buy her house?
What happens at age 65?
What happens at her age 90?
What about multi generational planning?
Who started all of this?
How much did grandpa contribute?
What happens at the 4th generation?
What about life insurance on babies?
When do we want to start compound growth?
What about protecting insurability?
What about his son’s insurability?
What about teaching your children and your grandchildren?
What is the growth?
Where else can she start an outcome like this?
What about the Rockefeller Family?
What about the Rothschild Family?
What about the death benefit alone?
What have the policies grown to?
What about the legacy for this family?
Can her son handle this much wealth?
Why not term insurance?
How many term insurance policies will be in force at 90 years old?
Does term insurance have its purpose?
Why is whole life insurance required to make it work?
What about starting with your children?
What about starting with your grandchildren?
What about teaching kids on a camping trip?
What about teaching kids through example?
Who owns their cars?
Who borrows on their cars?
What about the “normal” way?
What about sharing annual reports?
What was his experience gifting his daughter a policy after graduation?
What about teaching your kids along the way?
What do they teach about money in school?
What about being normal?
What about being in debt up to your eyeballs?
What about having a nice credit score?
What about having a 401(k)?
What about sticking the money in the drywall of your house?
What about a sibling summit?
Is love part of your rate of return?
What principles or proverbs would Chris leave to his family?
How was Chris impacted by his Bank on Yourself® type whole life insurance policy?
Would you like to reach out to Chris and/or Grant? thompsonthurman.com

Chris Thurman is the co-owner of Thompson & Thurman in Amarillo TX and one of only 200 Bank on Yourself® Professionals in the United States and Canada. He takes a comprehensive view of each client’s financial situation, and is passionate about guiding his clients towards success. He uses the Bank on Yourself® process to enable his clients to have a rock-solid financial plan and a predictable retirement income, with no luck, skill or guesswork required. Chris helps his clients become their own source of financing and get back what they pay for major purchases so they can have a richer lifestyle in retirement that is not directly dependent on the ups and downs of the stock and real estate markets.
Chris is married to his wife Holly and they have 3 children Austin, Claire and Spencer. In Chris’ spare time he enjoys spending his time at his kids sporting events and spending time with the family in the mountains fishing and riding ATV’s.

Episode 206: Bank on Yourself® Type Whole Life Insurance Policy Loans vs. Everything Else, Round Two

August 13, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Have you heard the first episode in this series, Episode 205?
Which is better: a 401(k) loan or a whole life insurance policy loan?
How many of 401(k) investors have an outstanding loan?
Should the 401(k) loan be the first choice or the last choice?
What is the process for getting a 401(k) loan?
What are the 13 steps?
How long does it take to get a 401(k) loan?
What happens with a whole life insurance policy loan?
What are the limits?
What can you use the money for?
What do the proponents of the 401(k) loan say?
Are 401(k) loans a taxable event?
Are taxes due?
How will you be repaying that 401(k) loan?
Will you pay taxes twice?
What’s your bracket?
Have you seen the show notes on Episode 110?
What happens if you borrow from your 401(k) and you lose your job?
How fast must you repay that loan?
What about taxes and penalties?
What are the required repayment plans?
What about a home equity line of credit (HELOC)?
What about tapping into the equity of your house?
What about the requirement of making regular payments?
What about pledging your home as collateral?
What about a higher interest rate?
What about HELOC vs. whole life insurance policy loan?
Is the house value guaranteed to grow?
Are whole life insurance cash values guaranteed to grow?
Could you lose your home if you don’t pay off the HELOC?
What is collateral in a whole life insurance policy?
What about a court judgment?
What about credit ratings?
Can a banker call your HELOC?
What is the fine print in the HELOC?
Can you count on the HELOC?
Is it possible to default on a whole life insurance policy loan?
What happens when the loan value is the same as the cash value?
How might you avoid policy lapse?
What happens to the death benefit on a whole life insurance policy that has unpaid loans?
Would you like to hear Episode 203?
What about loaning from a brokerage account?
What is a margin loan?
Can the broker call the margin loan?
What about locking in losses?
What is liquid?
Is there a repayment schedule on whole life insurance policy loans?
What did Mark Twain say?
What about life insurance loans vs. whole life insurance loans?
Can you borrow from a term insurance policy?
What about universal life insurance?
Would you like to hear Episode 59? Episode 60? Episode 61?
What about the monthly costs on universal life (UL) and indexed universal life (IUL) policies?
What significant changes happen in these policies?
What are the risks to taking loans on a IUL or UL policies?
What happens when closing IUL or UL policies?
What are the tax consequences?
What about variable life policy loans?
What are the risks?
Will the policy lapse?
What about the phantom income?
What about the moving parts?
Why are whole life insurance policy loans so much safer?
What is on the insurance company’s shoulders?
What about the guarantees?
What is not guaranteed?
Can the insurance company change the costs on the policy?
What about annual cash value increases?
What about the death benefit?
What about the premiums?
What about the dividend paying whole life insurance policy?
How might dividends make the situation even better?
Who does the dividend benefit?
What about minimum guarantees?
Is a Bank on Yourself® whole life insurance policy part of your overall strategy?
What about the death benefit?
What about the living benefits?
What about the loan feature?
What about tax advantages?
What about security?
What about guaranteed growth?
Would you like a 15-minute meeting with Mark?

Episode 205: Bank on Yourself® Type Whole Life Insurance Policy Loans vs. Everything Else, Round One

August 6, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Have you subscribed to this podcast yet?
What did Patrick Henry say?
Does where you keep money matter?
Does where you keep your debt matter?
What happens when you are in debt?
How many Americans carry credit card debt?
What about all other types of debt?
What did the Federal Reserve study say?
What is the relationship between debt and income?
What about two years of indentured servitude?
How does that make you feel?
What about being debt free?
What about suffering?
What about depression and anger?
What did Dr. John Gathergood of the University of Nottingham study?
What about spending habits?
What about arguments about money as the top predictor of divorce, according to Sonya Britt, assistant professor of family studies at Kansas State University?
What about paying interest to a bank?
What about earning interest?
What about buying a car?
How much will you save?
What about earning interest?
What do you have to show for the money?
What about paying cash?
What about your future self?
How does one avoid this problem?
How does financing really work?
Are all forms of borrowing created equal?
What are the advantages?
What are the risks?
What are the considerations for buying a big ticket item?
What about a major expense?
What are the three things to consider when getting a “regular” loan?
- What about the speed?
- What about the interest rate?
- What about the flexibility of repayment?
What are the three ways to pay for a big ticket item?
- What about paying cash?
- What about financing?
- What about leasing?
What about making large purchases through Bank on Yourself® Type Whole Life Insurance Policy loans?
How do they work?
- How much do you want to borrow?
- Where do you want the insurance company to send the money?
- How many days does it take?
What about compounding interest?
How does taking a loan affect cash values?
What about an example?
What about uninterrupted compound growth?
Where does the policy loan money come from?
Does the money leave your policy?
What about the insurance company’s general fund?
Where do the loan payments go?
How does the policy grow?
Are you using your cash value as collateral?
What is a non-direct recognition loan?
What companies offer this feature?
What are the companies that have limits?
Would you like to meet with Mark to discuss your situation?
Can your money be doing two things at once?
How simple is it to get the money out?
How about uninterrupted compounding?
How about flexibility in repayments?
Are you in charge of how the loan gets repaid (or if it gets repaid)?
What happens if the loan doesn’t get repaid?
Who gets the reduced death benefit?
How are these loans different from every other loan?
What about dividends being based on the profits?
What is a mutual insurance company?
Who is a shareholder?
What about an example?
Who would benefit from the mortgage payments that you would be making each month?
What about the growth on an outstanding loan balance?
What are some strategies you may discuss with an authorized advisor?
What about lease arrangements?
What about having a credit check?
Can you be turned down for a policy loan?
What is a typical APR on a policy loan?
What about growth and compound interest?
What is the time table for policy loan repayments?
What about the flexibility?
What about setting up loan repayments, as you need to?
What about accumulation?
What about paying down interest only on an annual basis?
What about taking policy loans for retirement?
Who is in the driver seat?
What happens when a curve ball hits?
What about continued growth of cash value?
What about paying cash?
What happens when one takes a loan from a universal life insurance policy?
What about opportunity cost?
How do you solve the problem of continuously interrupting the growth of your money?
How can this help you eliminate bank financing?
What about other types of loans? Stay tuned!
Have you subscribed already in your favorite podcast player?
Would you like to receive our weekly emails? (Here’s how: If you’re reading this on the nyafinancialpodcast.com website’s show notes, scroll up, look to the right, enter your email and name, and click the “Join Now” button —>)

Episode 203: What If I Can’t Pay the Premiums?

July 23, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

When did you start something really big?
What are the options?
What is the myth?
What are the strategies?
How is whole life insurance like a mortgage?
What about bills?
How is whole life insurance like real estate?
What about savings?
How can this benefit you in good times?
What happens if… ?
What if you hit hard times?
Are you able to lower your premium payment?
How is that possible?
What about the paid up additions?
Are paid up additions considered optional?
What about “catching up”?
What about annual premium?
What if the business falls on hard times?
What are the minimums?
What are the smaller monthly possibilities?
What about a premium offset?
What about surrounding Paid-Up Additions (PUAs) to pay premium?
What about the death benefit dropping?
How does one pay the premium with a policy loan?
What is the key difference between loans and surrender?
What about an automatic loan provision to pay premium?
Would you like to work on your situation with us? Schedule
What about dividends?
What are the dividend options?
What about the dividends paying premiums?
What are the nuances?
What about the reduced paid up option?
What are the benefits? What are the risks?
What happens to a reduced paid up (RPU) policy?
What about the irreversibility of RPU?
What about surrender and cashing out the policy?
Why is this technically possible?
What are the risks?
Why would people choose RPU instead?
What about a permanent policy?
What about buying extended term insurance?
What about an example?
What about limited pay policies?
What are the benefits?
What are some examples?
What about shorter premium payments?
What about longer premium payments?
What about the option to add money in the future?
Are you ready for rainy days?

Episode 199: Buy. Borrow. Die. …Pay Zero in Tax?

June 25, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

How do the .001% navigate their taxes legally?
What about the ProPublica report?
How do they legally pay a tiny fraction of their fortunes in taxes?
What was your reaction to this news?
As your income rises, do you pay more in taxes?
Under current law, what is the highest tax bracket?
What do the ultra high net worth pay?
How is wealth different from income?
What will you pay in tax?
What about loans?
What about paying back loans?
What about collateral?
Do you have a pen and paper?
What about buying assets?
What about a home?
Does your house have an ATM attached?
When do you pay tax on an asset?
What about borrowing money?
Do you pay a tax when you borrow?
What are the tax advantages of debt?
What about interest?
What happens to wealth at death (when you die)?
What about tax on death benefits for life insurance?
What is the big divide?
What about the asset side?
What’s the caveat?
What happened in 2013?
What about buying with after tax dollars?
What about the step-up in basis?
What about the $1 salary?
What about Bank on Yourself®?
What is premium?
What is cash value?
What is death benefit?
What about buying premium?
What about borrowing cash value?
What about when you die, giving your death benefit to your beneficiary?
What about tax with life insurance?
What about strategies like bonus depreciation?
What about rental income?
What about not issuing dividends?
What about dividends in life insurance?
What is a refund of premium?
What about the option for purchasing PUAs with dividends?
Are you able to receive the dividend as a check?
When will tax be due?
What grows forever?
When do markets crash?
What about the generosity of a banker?
What if stocks go down?
What about living on stocks?
What about a margin call?
Could you come up with the money you need?
What about the cost of borrowing against the assets?
What about liquidating?
What about fixed income assets?
What about improvement of projections?
What happens if interest rates rise?
What about building up significant cash value?
What about income tax?
What about estate tax?
Who needs a trust?
Who needs an attorney?
What is the estate tax threshold under current law?
What reduces the death benefit?
What happens with unpaid policy loans?
Are death benefits taxable?
Are gains taxable?
What about an example?
What questions do you have?
What about beneficiaries?
What about teaching your children?
What about Mark’s mom?
Would you like to meet with Mark Willis, CFP® to discuss your specifics?

The topics presented in this podcast are for general information only and not for the purposes of providing legal, accounting or investing advice.

On such tax matters, please consult a CPA professional who knows your specific situation.

Episode 193: The 8 Biggest Mistakes You Make When You Bank On Yourself® with Jim Conrad

May 14, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Is it possible to mess up a Bank on Yourself® type whole life insurance policy?
Is it possible to mess up a microwave?
Would you like to ask your own questions?
Would you like to join us on the Not Your Average Financial Community?
Who is Jim Conrad?
What about a high level overview?
What are Jim’s rules to live by if you’re banking on yourself?
What gets better every year, guaranteed?
Is there such thing as paying too much premium?
What about paying as much premium as you can for as long as you can?
What about the first seven years of a policy?
Is paying premium a burden?
What about stopping?
Do you want to build wealth reliably?
Should you always use your own capital?
Why would I want to borrow from my own policy if I can get a better rate down the street?
Do you need to finance a new vehicle?
Do you need to invest in real estate?
What about paid up additions premium?
How will your dollars grow?
Why would you want to save money in someone else’s bank?
Can you enrich yourself and the bankers?
What’s the biggest building in Charlotte?
What happens when you pay interest?
What about policy loans?
Do policy loans take experience?
How much does one need to pay back on the loan?
Will an insurer take your car or house away?
Whose in charge of their cash value?
Who manages the cash value?
What’s a reasonable time frame to pay back a policy loan?
Do you want to pay premium first and then loan payments?
Are interest rates really important?
What’s the best return?
What questions do you have?
What about using other people’s money?
What about using your own cash value to make purchases?
What about arbitrage?
What about credit cards and discipline?
What are the risks?
What about paying premium out of cashflow and savings?
Why did Jim write these rules to be timeless?
What about credit union loans?
How does privatized banking work?
How much can a bank lend out?
How much does a bank have to keep on hand?
Would you like to eliminate bankers from your life?
How can the bank make so much interest?
What about low or no interest loans?
Do you need to borrow more capital than you have in your policies?
What about closing that window?
What about feathering the clutch?
What about uninterrupted compound interest?
What about retirement?
What happens if your goals change?
Are you creating income for life with whole life insurance?
When do most people stop paying premium?
What about premium offset?
What about paying your loans back?
How might you maximize your lifetime income?
How might you pay back your policy loans before you retire?
What is the best practice?
What about using your own capital to buy points on a mortgage?
Who keeps a mortgage for 30 years?
What about refinancing?
What about moving?
Does it make sense?
What about the book How Privatized Banking Really Works?
How might you use your own capital?
What about the volume of debt?
How much skin in the game does the bank really have?
What were the reserve requirements in 2008?
How might you build up and use your own capital?
Why favor paying premium over paying back loans quickly?
What does one do when they run out of wiggle room in a policy?
What about timing?
How might one completely replace banks?
How might one do the banking at the “me and you” level?
What about checking accounts?
Would you like to join our membership site?

Jim Conrad, the President of Conrad Financial Services, resides with his wife, Deb, in Concord, North Carolina. Jim started working for his clients in financial services 20 years ago, after a 25-year career in management with a Fortune Top 10 company. He grew up in the Chicago suburbs, and he holds a B.S. in chemical engineering from Purdue University and an MBA from Lewis University.

Jim has been a Bank On Yourself Authorized Advisor for the past 13 years. His passion is helping people achieve financial peace of mind by owning a strategy they can count on for life.

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