Disclaimer: These pages are for ideas, information and discussion and not a definite proposal.

Stretch your dollars!!  and make them safe

FACT: 1 We give up Principle & Interest and Future Value of that money to financial institutions!

FACT: 2 We need to understand we pay interest or give up interest on every purchase!
 
FACT: 3 We can capture this Time Value (Principle & Interest + Dividends) of Money!
 
FACT: 4 We Can Have A Passive Stream Income Stream at Retirement

FACT: 5 We Can Leave A Financial and Stewardship Legacy Of Wealth To Our Heirs!

Table 1 Buy Automobile and Finance at Retail Bank
Loan Amount    $30,000     Rate (per period)    0.667%    Annual Interest Rate    8.00%    Number of Payments    60    Compound Period    Monthly    Total Payments    $36,497.50     Term of Loan in Years    5    Total Interest    $6,497.50     Monthly Payment    $608.29    
    
Table 2 Future Value Of Principle Interest Plus Interest on all                  
Loan Amount     $36,497.50     Rate (per period)     0.417%
Annual Interest Rate     5.00%     Number of Payments     360
Compound Period     Monthly     Total Payments     $70,531.94
Term of Loan in Years     30     Total Interest     $34,034.44

   
We live in an ever evolving wealth cycle we call life. All wealth is like the water of this world, it is all connected. Just as the weather cycles moves the water distributed across the earth in the form of dew, vapor clouds, rain, snow, hail, ground water, seas, rivers, lakes, and glaciers, so is wealth moved by our system of trade, banks, hip-pockets, governments, etc.

 If you can imagine your river of financial life begins as the river Jordan in Israel does. Look up in the heavens and see that cloud of blessing from God. Watch as the pressures of the mountains and winds wrings the water from them. Observe the water covering the land, some seeping into the ground to the aquifers, to later emerge as springs, some trickle down little rivulets to gather in the gullies that flow to and make up the Jordon River. This lifeblood flow continues a few mile and then forms a small swampy lake called Lake Merom, flowing southward to the Sea of Galilee, emptying farther south into the Dead Sea, then evaporating back to where it came from, God.

Life's troubling tempests (pressures) causes the creation of opportunities (rains). We are like the ground soaking up the rain, only if we have vegetation growing on it, otherwise it flows quickly off, possibly causing the eroding of our ground (Life Style). I was shocked, (and still get disturbed that I wasn't taught this before in schools) when I started learning the principle of "Being Your Own Banker". I began to see how I had little understanding of wealth flowing so freely, through my life yet my not having a sufficient green grassy field ("Personal Banks") to absorb the water (Time Value Of Money), it went merrily on it's way downstream.

Nelson Nash's Infinite Banking concepts in "Becoming Your Own Banker" books and seminars opened sunlit windows in my semi-dark financial house.

I saw this river of wealth running through my little half acre of life down to the grassy, sticky, swampy ground of Lake Merom, (car payments, credit cards, mortgages, boat payments, etc), overflowing to the bubbling, swiftly running enjoyments of my financed pleasures of life (Oh The Ego Pain We Suffer afterwards), slowing to the dreaded crossing of the Sea of Galilee (sudden storm tossed waters dealing with juggling all financial affairs of government rules, taxes, medical bills, college for kids, retirement (401K, IRA, ROTH IRA, etc.) Heading slowly downstream to the Dead Sea (dependency on Social Security, meager retirement accounts, etc). Whew!!!!!

Wealth passing through us is like water passing through the root, seed, stalk, leaf, and fruit of a plant. Water will exit back to our Maker, leaving behind fodder for our cows, grains, seeds or fruit for our enjoyment and new seeds for our new crop. The flow of wealth rightly directed by wisdom through our life can not only provide us with great passive blessings but we can pass on a living heritage to our children.
 

Most of us in our struggle to gain the financial freedom look to the gurus of Wall Street and other financial teachers. They teach us to work hard and with our earned wealth create a lake (bank account) this wealth flows to supply necessities of life, most of which we financed one way or another. Remember we give up any future earnings on any cash purchases. We are taught to dig a small diversion ditch from our stream of money to fill a small lake called IRAs, 401k's, Roth IRAs, CDs, stocks, bonds, etc. All these are income or capital gains taxable entities. So in effect we are not only growing our money but we are growing Uncle Sam a hefty return. If they grow at the rate of 5% to 10% a year we think we are blessed.

We struggle to keep up the payments toward our retirement accounts, not wanting to touch the sacred cow of our retirement. Just as one keeps his retirement money that earns, maybe 10% or can lose just as much, in one front pocket and pays interest on our financed cars, boats, etc, cash payments for fancy restaurants, golf games, etc out of the other front pocket. We can be lucky and make great gains or we can be wiped out as we have seen lately.

The Rate of return is not the complete answer. Capturing the time value or interest cash value of all money passing through our hands can afford us a passive wealth stream in our retirement years.

The real tragedy is we have been sold the bill of goods to treasure these assets above commonsense.

Financing is not a bad thing in itself. Remember we either give up interest if we pay cash for purchases or we pay the interest to a bank or other financial institution. Both ways we lose!!!

Why Not Own Your Own “Bank”???

If we can understand deeply that we finance everything we buy! We either give up our future time value of our money or we pay interest to credit card or other financial institutions.
 

Phillip & Emma Zachary

Bank Your Life LLC  
The only official site for Bank Your Life!
Phillip Zachary  Licensed Ohio National Life , Mutual Trust Life. American United Life Insurance Agent.

Remember God Is Our Ultimate Banker!

“Give Unto God And He Will Give Back Heaped Up, Shaken Down , Pressed Together!”

Email Phillip Zachary   1 417 339 2854 Cell 417 860 6726

Why Not Own The "Bank"?   Velocity Of Money!!! Hidden Wealth Transfers!!!  Bank Your Life llc. 

Capture The time Value Of Money!!!  Leave A Legacy Of Wealth!!

I, Phillip Zachary, at this thoughtful and joyous time of year, wish to express my full appreciation of your being a part of the success of Zachary & Sons Silversmith Gallery. We have been Blessed of God and you with the best year in many.

Certainly, The memory of September 11^th 2001 is still prominent In our minds and hearts. We, as Americans, can reach into the great resources of Faith and Courage inherited from our humble and varied Ancestry. The tremendous opportunities afforded us based upon the Principles wrought in the assurance of the great hope that has been Cradled in humanity’s heart with the formation of this Blessed Country.

 The United States Of America ---The Home Of The Brave ---The Land Of The Free ----One Nation Under God.

We know of and have Promise of a World Wherein Dwelleth Righteousness.

But until that time we have America! A wilderness God chose to settle with God fearing and Truth seeking immigrants.

Line Upon Line, Here A Little There A Little, we have, through the centuries of our existence as a country, have been forced to open our minds and hearts to and cope with the Truths embodied in groups of people our constitution would not let us ignore or in the extreme annihilate.

The cycles of Prosperity, Great Depression, Bountiful Crops, Drought, Mobile Society, TV, Peace, War, Social Turmoil, Have cultivated our individual minds and hearts and diverse communities to have a sincere search for Truth.

The Great Communication channels opening in this Day and Age are just like the Roman Roads of Christ’s Time were not only for Great Commerce but the EVERLASTING GOSPEL to have open access to full bring

PEACE ON EARTH AND GOOD WILL TO MEN!

Phillip & Emma Zachary