/fpg/ Financial Planning General -

How to defeat the Jewish Banks and establish a line of noble descendents

>inb4 not politics
Money is speech, and our descendents must have resources and knowledge to defeat the Jews and to prevent their resurgence.

We can't solve this problem in this generation, lads, but it has to be our generation that makes the sacrifices and lays the groundwork for the next.

I'm a financial advisor with a major American mutual life insurance company that has been in business and profitable for around 150 years. I will mostly be focusing on the financial strategies you will need to employ to protect and grow your income and assets both in your lifetime and in the next generations that come after you.

First, a couple of notes:

This thread is not for

>cucks and faggots who don't want kids
>losers who are too lazy to work and too undisciplined to save and make good financial decisions
>incels who can't come up with a way to attract and keep a woman

If you have problems in these areas but are working to overcome them, fine, stay and learn, but you need to get the other shit in order before this information will be of value to you.

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Other urls found in this thread:

youtube.com/watch?v=LPCuvwJG2Xo
fool.com/investing/general/2014/06/29/bank-of-america-leads-big-banks-in-macabre-investm.aspx
farmingwithoutthebank.com/save-the-family-farm/
twitter.com/NSFWRedditGif

Educational Materials:

You need to get educated about money. There is no getting around it, and no, Bit/Doge/Niggercoin is not going to save you. The dollar isn't going anywhere in the immediate future.
Here are some books and authors you can research. Much of this can be found for free or very cheap. Don't be afraid to buy used books. You do not need to pay any of these people for their courses and coaching.

>Dave Ramsey and Suze Orman - ignore these two boomer fucks, their advice is not only useless, it's harmful. The only good thing Dave does is teach people to get rid of credit card debt in an efficient manner and get on a budget. Everything after that, including the get rid of your credit cards advice is disastrous.
>Robert Kiyosaki - Rich Dad Poor Dad, The Cash Flow Quadrant - These books will change your mindset on cash flow, and teach you to go from being an employee to being self employed, to becoming a business owner, and finally an investor. Excellent, and very cheap in the used market.

>Garret Gunderson - Killing Sacred Cows - Debunks myths and gives concrete advice for structuring your business and financial life
>Will Duffy - The Other Side of the Coin: Compound Interest and the second book, Mortgages - Neither of these should take you more than 2 hours to read even if you are a brainlet. Combined they give an excellent overview of how compound interest growth works and how to use leverage as a key component of your financial strategy, as well as explaining simply why equity in your primary residence is little more than an insurance policy for the bank. Debunks myths on stock market growth and addresses issues of taxation, losses, and fees that stop your money from compounding.
>Caleb Guilliams - The AND Asset - Great little book on overfunded whole life strategies
>Nelson Nash - Infinite Banking - The father of the modern velocity/infinite banking model
>Russel Brunson - Just go to his clickfunnel site and get his book package for like $20 or whatever he is charging now. He's an annoying fat fuck Mormon wrestler who is basically a con-man, but his shit works for making money online with very little effort
>The Richest Man in Babylon - You can find this on JewTube for free. No excuses.

You don't need to read all of these, get a selection and see where they take you. You need to change your mindset first, and reading these books will go a long way towards doing that.

First Steps:
Income and budgeting. You need to spend less than you make, plain and simple, and there are only two ways to do that. Increase your income, and/or reduce your standard of living. The average millionaire has seven streams of income, from primary employment, to business, rentals, investments, etc. Get off Jow Forums for a month and find a way to make some more money, start an online business, sell lemonade in front of your mom's house, whatever.

Get on a budget, or at least an allowance. Save a portion of your income, whether it's 10% or 50% or however much. You need reserves for emergencies and opportunities. None of this will happen without discipline, so put down the beer, or the anime, or the pot, or whatever you are wasting your shekels on and get started putting that money away.

Insurance. Pic related shows the basics of a financial plan, which starts with risk management. You are going to be responsible for establishing your family's fortune. Your life and your body need to be insured so that if you die or are unable to work due to illness or injury your family will still be able to accomplish the financial goals you set.
Get yourself an indpendent advisor (no, you don't need a fee advisor, get one who gets paid commission) or one from Massachussetts Mutual, Guardian, Ohio National, Penn Mutual, or One America. Avoid Northwestern Mutual faggotry at all costs, and do not purchase life or disability income insurance from a stock company unless you can't get insured from one of the ones I mentioned.

This is the most important part of your planning after getting cash flow and expenses under control. Permanent life insurance is the key to establishing generational wealth and empowering your children to carry on your legacy and continue to grow your holdings.

>Forgot Pic in last comment

There is no getting around it, if we want to influence the future we need money, guns, and land. Our families need to be interdependent with other like-minded people, and co-located with them. You will need to purchase land and start improving the soil. Learn to grown fruits and vegetables suitable for you climate, and to keep chickens, goats, pigs, whatever. Food security will be very important in future generations, and in fact it is already high on the priority list for those of us living now.

Why did I tell you to get an advisor who works with those companies? Simple, mutual insurance companies are owned by their policy holders, rather than shareholders, which means that the company works in the interests of those they insure, and they pay profits in the form of dividends, or 'return of unused premium' to participating policies. Most importantly, that includes cash-value, permanent life insurance.

Why cash-value permanent life insurance?

First, it acts like property. You are effectively purchasing it on a mortgage schedule, paying for it over a period of 10 or 20 years, or until you attain a certain age like 65, 85, or 100. When properly structured with what are called Paid Up Additions (PUA) riders, these contracts develop significant cash value early on, have larger death benefits for a lower cost than other types of permanent insurance, and offer a place to earn continuous compound interest over a lifetime, and indeed, over several lifetimes.

Why is compound interest so important? Simply put, inflation. Your dollar will continue to lose value on a daily basis as the Fed continues to pump more and more money into the economy, and the government continues to let more and more low-cost labor into the country. If you don't have a place to store wealth that grows on pace with that, your family will always be poor while the Jews continue to get richer and richer.

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Second, permanent means exactly that. Once you have put enough money into the contract so that it can sustain itself, that death benefit will be passed on to your heirs. The companies I mentioned earlier are all (except One America I think) over 100 years old, and all have dividend records over 100 years.

Get what I'm saying. These companies have been profitable and returned those profits to their policy holders through everything from the Great Depression to the crash in 07. They do this by continuing to sell insurance products backed by good actuarial science, keeping their expenses low, and managing their investments for long-term, stable growth. It's like hiring Warren Buffet to manage your money without having to pay him for it.

Third, life insurance has special tax treatment that nothing else has. Once the money is in the contract, you can access it throughout your life without ever paying a dime in taxes on the gains. Additionally, the death benefit is passed to your children in a tax free manner.

Fourth, the investment compared to the return is phenomenal. You may pay something like $100K into your million dollar whole life contract over your lifetime, but that million dollar death benefit will grow and be passed on to the next generation. Where else can you get returns like that? Answer, you can't. Life insurance isn't just about providing a death benefit to your wife and kids if you die while you're still working, it's for establishing an estate that will be grown by your descendents.


I've posted some of this before, but I'm trying to get organized and I will start posting this more regularly and fleshing it out.

Feel free to ama, I'll be around for a while, and expect these threads to show up at least once or twice per week for a while.

Shameless Self Bump

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Neat thread, have a bump.

I'm going to quickly go over the concept of equity in a primary residence and why it is generally a bad idea.

Let's say that you are buying a house for $100K, and I'm buying the one next door for the same price.

You follow Dave Ramsey and so you put 20% down, get a 15 year mortgage, and pay extra on the note every month, desperately trying to pay it off early.

I'm not a boomer cuck, and I did my time as a zogbot in the Israeli Foreign Legion, so I've got a VA loan. I get a 30 year, 0% down mortgage, and I take the difference between my payment and yours and put it somewhere safe and liquid.

(this is the gist of pic related btw)

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>How to defeat the Jewish Banks and establish a line of noble descendents
I nave never wanted to buy more insurance. This is a radical thread.
Redpill me on the rental jew pls.
How can I turn my ADHD with living spaces into house flipping?

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youtube.com/watch?v=LPCuvwJG2Xo

A couple of years go by. Your mortgage is $600/mo, and you put an extra $500 towards it. You've established a little over $40K in equity in your home.

Meanwhile, my payments are $535, and I've got about $2k in equity in my home, but I've been saving $565/mo, and I also had the $20K to start with that you put in your house. I am earning 1.5% in a money market (I would actually have it in life insurance, but let's just stick with this for now)

So I've got $34,375 in cash.

You've paid less interest, true, but here is where things get interesting.

Let's say you and I work in the same company and we both get laid off. 6 months go by, unemployment runs out, and you can no longer make your mortgage payments.

I can, of course, because I've got almost $35k in the bank. but let's just assume I can't for whatever reason, or I don't want to.

You won't be able to access the equity in your house, because you don't have a job, and your credit has probably taken a hit.

Between the two of us, when the bank is negotiating, which of us will have his house repossessed, assuming they both still have a value of $100k?

If you said, you, you get a prize. The bank is hungry for that equity, but on my house they can only lose by repossessing, so they are happy to work with me for reduced payments, recasting the loan, etc.

Now every time you see an ad from a bank telling you how sweet 15 year mortgages are you'll know why.

Owning rental properties or flipping properties is an excellent strategy, either as a full time gig, or to supplement income streams.

The first thing to do is to start building some reserves. You need money to make down payments and to cover the shit that will inevitably go wrong, whether that is unexpected repairs in the flip, or longer than expected vacancies.

You need to become autistic about your market, watch craigslist and the MLS like a hawk. Find a local REI meetup and get to know some successful people. Get a mentor. JV some deals with experienced people by learning to bird-dog. Etc.

Read Kiyosaki's book for sure. Join some REI FB groups.

Watch out, because there are always people looking to take advantage of you or just slinging shitty advice.

Pic related is pretty good from what I hear for a beginner. I've interacted with this dude before, he's sharp.

Thanks, user. Effortposting has become rare on the board. I appreciate your support

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Whats a mortage? If I'm a millionaire, cant I just buy the entire house in one sum and be done with it?

forgot pic apparently

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You wouldn't want to, though.

Allow me to demonstrate.

Let's say you are going to buy a $100K house for cash. You can get a mortgage for 30 years at 5% (easy, rates are lower than that, but let's just go with it.)

You take the $100k cash and get it into a solid overfunded whole life contract, earning 4% compound interest over 30 years. At the end of that time, you should have around $325K. The total cost of principle and interest in the 5% loan is around $195, leaving you with a difference of about $130K.

Additionally, you bought yourself a huge death benefit and had access to your money for financial opportunity during that entire time. Unlike if you had put it in the house and had to go qualify for HELOC or refi with credit, income, and DTI.

(yes, you are probably paying PMI unless you have a VA loan, do your own math on that)

Incidentally, how is this possible? Borrow at 5%, earn 4%, and you make money?

Simply put, earning compound interest means earning interest on an increasing principle balance while paying amortized interest means paying it on a decreasing balance.

Don't take my word for, open up a compound interest calculator and a mortgage calculator and mess around. This simple concept of earning an interest arbitrage is one of the biggest financial red pills you can learn. It's at the heart of how the Jews are beating us.

Let's not let this thread die, anons.

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Bump

Hunting that wholesale book down.
Here's another fun question and a bump.
If I'm a high level wagie, how do i keep my moneys from the grabbler (tax man)
Establish residency in a non cucked state?

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You need an accountant or to learn tax strategies on your own.

W2 incomes are tough to protect. You can look at tax-deferred accounts that take some of your income off the top which can decrease your tax bill, but they are ultimately going to end up in the wall street casino, and will have to have taxes paid on them eventually.

In general, I'm against the 401k, but I think pursuing a high deductible insurance plan and an HSA could be a help in that category.

You may also look into self-employment. 1099s are the way to go if you are looking to protect income from taxes. Of course, you need to report enough to qualify for credit so you can leverage money for financial opportunity, and it also may not be feasible for you.

I'll tell you that kids are a great tax deduction depending on how much you make, so start having some of those if you haven't already.

And, of course, state income and sales taxes are a huge opportunity to save. If you can work remote or relocate, definitely look into that. Personally, it's more important to me to be in the right geographical region regardless of the tax situation. Montana, Idaho, Wyoming, the Dakotas are all hu-white and with big buffer areas between them and the next concentration of niggers.

Also, when looking for an accountant, you need to find one who is proactive about coming up with deductions and making suggestions to you on where you can put some money.

Most accountants just take what you give them and put the return together. It will take some work and time to find someone who gets it.

I wish I could be more help here, but It's not my area of expertise, and every situation is so different it's hard for me to give generalized information on it.

>you need to report enough to qualify for credit
Roughly where is the ceiling on this?
>pursuing a high deductible insurance plan
Let's say I have a very strict rule about which tribes with whom I trade. If you catch my meaning, how do I avoid the grabbler when picking a life insurance company?
Since we're on Jow Forums
Irish Accountant? Does it matter?
Protip: Images bump, text posts dont.

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>What is the ceiling on this
Depends. You need to have reserves, but credit capacity is also important. If you can access low rates on secured or unsecured debt and keep your savings growing as in
then you will win bigger in the long run. The key is to borrow money to make money rather than to be paying for living expenses, which is what most people do.

When I said high deductible insurance plan, I meant health plan.

As far as I can tell, there is very little jewish representation in most mutual life insurance companies. It doesn't attract them because the owners are the policy holders. Too distributed, they can't buy up massive amounts of stock to run the thing.

Now, all the big mutuals sell what is called Bank Owned and Company Owned Life Insurance (BOLI and COLI), so the jews definitely see the value in the product.

BofA had almost $150B in BOLI as of 2013.

>fool.com/investing/general/2014/06/29/bank-of-america-leads-big-banks-in-macabre-investm.aspx

It's considered tier-1 capital, same as cash on their books.

I have a mormon for an accountant, he is great. The important thing is the attitude towards deductions. If he's just going to take what you are already doing rather than giving you ideas for improving your tax situation, move on. Ask around with other successful people you know and interview several before you decide.

>what is the ceiling on this

I guess I didn't really answer this well. You have to decide how much income to report based on how much credit you plan on getting in the future.

For example, if you are looking to secure a mortgage in the next two years and are self employed, talk to a mortgage originator now about what kind of income you will need to show to meet underwriting requirements when the time comes, and structure your taxes that way.

Does that make sense?

Look at this post from Mary Jo Irmen. She goes over what multi-generational life insurance planning can do.

>farmingwithoutthebank.com/save-the-family-farm/

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Conclusion of the post

>This article shows how you can build wealth for “pennies” on the dollar. The total out-of-pocket premiums over the lifetime of all three of these men were $2,710,000 and the total death benefit payout was $15,059,265. That means they paid $0.18 cents for every dollar of a death benefit. (Again we have to use logic, the money that was used to start these policies from death benefit was NOT out-of-pocket for Jason or Beau. Anything after year eight was out-of-pocket for them.) When you look at what the fourth generation’s “cost” will be it goes down to around $0.15 cents on the dollar.

>The whole time Charlie, Jason, and Beau had access to the cash value to farm and live with.

(Mary is shilling her book and her services with that website, but I'm not shilling her. Just a good example of how life insurance works to massively expand wealth across generations.)

Incidentally, why do you all think that Dave Ramsey, Suze Orman, and all the other boomer financial gurus are so dead-set against permanent life insurance?

They're right when they call it a shitty investment, most of what is sold is from a stock company and improperly structured.

But this is really about the Jews taking away our ability to control our money during our lifetime and grow it in the future generations. They keep us poor by vacuuming up all our cash into wall street and the banks, using it to expand their kingdoms while bankrupting the rest of us.

I'm a pretty high earner W2 mid-tier 6 figures. My family never came from money so don't know SHIT about it, I have had to figure out on my own what to do with a salary like this.

Everything you are saying makes sense and most of it I "get" already. My question is, how do I take it to the next level. I have the efund in a high yield savings. 401k maxed (I know you said you don't like it - curious why) and planning to start backdoor Roth-ing too.

But what's the "key" to building this wealth? My personal belief has always been that land and property are the key and have been since the beginning of time. But how can you execute it nowadays in high CoL areas and not SUPER cash- liquid. Do people just take out several "investment" mortgages to afford rental properties? How do they get approved for that?

Any insight would be great user .great thread btw

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Bumping your doing gods work OP

The biggest things are mindset, compound interest, and protecting your money from taxes, losses, and fees.

Mindset - multiple streams of income, looking for passive cash flow, understanding and using leverage of debt to acquire assets, etc. See the books I mentioned at the beginning. Kiyosaki and Gunderson in particular.

Compound interest, protecting your money - I use and teach people to use life insurance as a sort of master account where the money is safe, grows consistently, and is protected from taxes and can be used for financial opportunity as it arises. Duffy and Guilliams will give a great outline on these concepts.

My problems with the 401k are threefold. First, the match is a lie. See if you can renegotiate to get that match as income - in other words, why should they make you contribute 3% to get 3%? They should pay it to you as salary, not demand you defer taxes on it and put it in the casino to get it.
Second, it's subject to taxes in the future when you will likely have fewer deductions, and will affect the taxation of your other income, e.g. social security by increasing your income. Do you in general think taxes will be higher or lower in the future? Since the IRS has an unspecified lien against that account, what stops the congress from taxing all $14T in 401k assets at 90% to save social security?
Finally, I'm not a fan of allowing someone else to put my principle at risk in the wall street casino. If you like stocks and options, buy them yourself. If you don't understand them well enough to do so, why are you allowing someone you've never met to do it for you?

As for land and cash flowing re, you're absolutely right. See and and You need to put work into understanding how to do REI properly. I will see if a friend of mine can do an ama on one of these this week. Keep your eyes open.

Thanks user

Really good thread, OP. I wish Jow Forums were more like this.
Also do you have any knowledge of real estate?

Yeah Jow Forums is ridiculous haha

I've spread some stuff around this thread on rei, maybe I can get a buddy to do an ama next week