What does Bank on Yourself and The Infinite Banking Concept have in common?

I am imensely excite to write this blog post today. Truly, this is going to be a treat. You see, this all starts on a weekend when I wanted to indulge in one of my newly found hobbies: precious metal and coin collecting.

I had just finished talking with the member services rep that Saturday morning who assured me that I would be able to get into my safety deposit box and the bank. I took this as the all clear an made my way to the bank. Once I arrived there, I was met with locked doors and a long line at the drive up. As it turns out, after waiting for the line to pass and my turn in front of the tellers at the Drive-Up, that the bank is closed on Saturdays. I don’t normally get upset about people telling me bad news, but for some reason, being told that I couldn’t access my property for security purposes really got under my skin. Even as I walked away from the bank, I felt immensely upset that I wasn’t able to pull my coin collection out of the safety deposit box so that I could learn more about my collection.

Nearly twenty steps from the bank I found myself asking my phone how to live a life without a bank. What were some of the things that I would need to consider moving forward. Yes, I was that mad. I was actively seeking out a way to eliminate the need for a bank in my life. With that said, I found many interesting resources and also a growing phenomena of people who are going “unbanked”. But what’s more is that I found a concept buried in all the articles that has recently changed my perspective, and that is the concept of warehousing value.

Okay, so I am reading about going with out a bank in this article and that’s when I find the author referencing a Nelson Nash and his book discussing the infinite banking principle. As it turns out, I stopped reading the article and immediately went to library genesis to find a copy of the text. In a matter of hours I had read his entire book and left feeling that I had my entire world turned on its head. When this feeling happens, especially on a weekend, I go into over drive and seek to learn more.

So I go back to the article that I had read that had keyed me into Nelson Nash’s work and found another book by another author: Pamela Yellen.

I end up finishing this book the following day and I am feeling exceptional well versed in the ideas that they were trying to communicate to their audience: people like you and me that really should look to stop using the bank and other financing companies money and rely on our own capital reserves.

You might be asking your self, “That’s great, Alixander. You read some books about banking. What’s so special about that?” I’ll tell you.

The thing that both of these books have in common is the idea of warehousing value, or wealth, in a different kind of bank. One that is more secure than a bank, provides more interest than a bank, and can be borrowed from better than a bank. So what am I talking about?

Whole Life Insurance.

Yes. I know some people think that insurance is a huge scam. When you aren’t using it right, or not understanding what the benefits are of having a well designed policy that is fully put into use, of course it is going to seem like a scam. But I assure you, that once you understand that you have to store money somewhere, storing money in a whole life insurance policy is one of the most effective ways of earning interest on your savings.

That’s really what its all about, you are either paying interest or getting paid interest. And when you are keeping your money in a bank, you are earning nothing in return for what? Honestly, ask your self: what does having my savings in a bank account do for me?

If you answer safety, great. Did you know that in the event of a lawsuit that your accounts are subject to being seized? Life insurance cannot.

If you answered financing, wonderful. Did you know that when you draw on your bank account to pay for the financing of your new car that you are out that money? Life insurance retains the value in spite of your borrowing against it.

If you answered liquidity, perfect. Should your savings be liquid? Life insurance allows you to draw or borrow up to 90% of the policy’s cash value, meaning you are generating a greater amount of interest than the bank while also having access.

I could go on and on about making use of Whole Life Insurance policy for the purpose of warehousing money. But honestly, you should just read the books and learn for your self. Heck, if you are in too much of a hurry. Go to your insurance professional and ask them about a dividend producing, whole life policy with paid up addition rider. If they are worth their salt, they will show you the true magic. But I guess it won’t really make sense until you take the time to read about Banking on Yourself and Becoming Your Own Banker.

Some Pandemics Are Mind-viruses; or The Easy Peasy Way to Quit Porn

I recently had a conversation with a friend about some of the worst viruses that existed in human history and we got to talking about the what makes for the worst. Is it the number of people that die, is it the number of people who suffer symptoms, or is there some other metric?

Well, in our conversation, I told him that I found a book recently, one that I really feel compelled to share with you, that is what is called a hackbook. If you don’t know what a hackbook is, that’s okay. A hackbook is one where a hack author, not just a hack, takes another text and hacks it to represent the hack author’s needs. And in my conversation with my friend, I told him about how I thought that pornography had become the worst virus in modern history and that this hackbook I read recently offered a really impressive vacination.

My argument for why I believe that pornography is the worst virus to have infected man kind is because of the number of people infected and the wide array of symptoms that manifest due to consumption. If you want a immense breakdown for what porn does to your brain, check out your brain on porn. Really incredible stuff, and it is referenced in the hack author’s book called “The Easy Peasy Way to Quit Porn.”

Cover Image

Basically, this book was written using “The Easy Peasy Way to Quit Smoking.” And as you are reading it, you can clearly see the similarities between these two incredible substances. But the main point that I want to drive here is that after reading this book, I was incredibly astounded by the kinds of introspective questions that it encourages you to ask your self. Some of them really took me by surprise.

Now I know what you are thinking, I don’t look at porn. That’s where I think you need to stop kidding your self. You might not be looking at the tube sites and you might not be indulging in HD DVDs from truck stops, but you most certainly are looking at porn. And it isn’t in a way that you might think. Say you like to watch football, and “the best part” is the cheerleaders between commercial breaks. Or you love sports illustrated or GQ or Cosmo. Or maybe you are one of these people that don’t like watching Game of Thrones on HBO. Heck you might only ever get on the internet every once in a while just to surf social media.

And that’s just it, porn takes on so many different forms that it is in your very own social media. Don’t believe me? Do you ever go to instagram? Do you ever visit snapchat? do you ever use facebook? Heck, I bet you will even find porn on LinkedIn. You see, pornography stimulates a portion of your brain to fire dopamine. And pornography doesn’t have to be naked people to get your dopamine sensors firing, that’s why the romance novel industry is as sought out after as it is.

The fact of the matter is that pornography is any instance where you are served with supernormal stimuli, and your brain fires off dopamine because of the exaggerated stimulus. Over time, normal stimulus doesn’t bring you pleasure and you must spend more and more time, going to further and further means of getting dopamine. I mean, did you see how incredibly fast TikTok caught on? It is the newest rush of dopamine.

Once you have an idea of what supernormal stimuli is, you have to be very paitient with your self. Reading this book, The Easy Peasy Way to Quit Porn, will help understand where supernormal stimuli is in your life and the fastest and easiest way to quit participating in it. I would love to tell you what the secret sauce is, but you really should just read the book and see for your self how little supernormal stimuli is doing nothing for you, only costing you, and how easy peasy it is to stop indulging.

The biggest reason that I wanted to share this book today is because I too had a porn addiction, just as I have suffered a cigarette addiction, a pot addiction, and a booze addiction. Addiction is incredibly destructive, and it rears its ugly head in a way into a person’s life like you wouldn’t imagine. But before you go off thinking I was some degenerate of the most epic proportions, you have to understand, I did not choose to be addicted to porn. And likely, neither did you. I did not choose to become enslaved in the vice. I did not choose to become infected by the mind-virus. But I did choose to see the truth. I did choose to see what it wasn’t doing for me. I did choose to see how I don’t need it anymore. And I did choose to be grateful to be done with a terrible addiction. And guess what? I haven’t been happier.

And that’s what I was getting at with my friend, that like a virus, porn infects a person unknowingly and manipulates their behavior to propagate the the virus on to others. Porn is free, like a virus, and the symptoms are not always readily apparent, like a virus. But over time, the virus of pornography begins to change behavior, change demeanor, change the very structure of you mind until you must have pornography to satisfied. Regretfully, it is like drinking ocean water – the more you drink, the sicker you get.

The same is true for romance novels on your eReader (“I only read before bed, or on my lunch break.”), or instagram (“I just check it everyonce in a while.”), or facebook (“I look at it when I am in the bathroom.”), or snapchat (“I like to check it when I am driving.”). The point is that we have become so addicted to supernormal stimuli that we have encouraged our phone companies and social media giants to make it fit in our pocket, stream HD, and on demand. It isn’t that you miss being connected to other people when you don’t have your phone, its that you don’t have access to supernormal stimuli and you might suffer withdrawals.

Alright, this was definitely a departure from my normal book reading, but this book was really good and I want to encourage others to read it when they can see that now is the time to make a change: The Easy Peasy Way to Quit Porn.