Tuesday, June 28, 2011

Get Your Money Out Of The Bank

Every evening I get an email from Lew Rockwell and they are eye opening.  I highly encourage you to subscribe on his web site at lewrockwell.com to get your daily dosage of what's actually happening in the world.  The email I received last night was in particular interesting to me given what I do for a living which is teach people about safe money solutions and how to implement the Infinite Banking Concept into their financial life.

At the bottom of the email is the link from Lew Rockwell which contains a list of banks here in America that have failed in the past 10 years.  The list is alarmingly long.  In short, your bank could be next and you'd never know it.

I know there is a great deal of faith placed in the money we deposit at our banks.  Unfortunately, this faith is misplaced and I want to you to be forewarned.  As I have written before, banks are highly insolvent institutions because of the fractional reserve banking system.  When over 10,000 banks failed during the Great Depression, there was a need for the government to step in and provide assurance that accounts would be protected from bank failure.  FDIC was created and it's done exactly what it was supposed to do: restore confidence.

But it's just a sticker of confidence.  Another depression will wipe out banks again and this time the FDIC along with it. The FDIC doesn't actually have enough assets to insure the repayment of all accounts in the event of another systemic bank failure like what occurred during the Great Depression.

If you are going to keep money domestically, the safest institutions to house your savings are with mutually held life insurance companies which are 100% solvent.  They survived the Great Depression as did their policyholders who had access to their money during this crisis.  The same cannot be said of those who kept their life savings at the bank.  Indeed, those who do not know their history are destined to repeat it.

If you have not heard of Bank on Yourself or the Infinite Banking Concept, I highly encourage you to do your own research.  You can create a safer financial system for your money without the sleepless nights others will experience when their bank fails and they discover that the FDIC sticker confidence was just an empty promise.

Click here for the link to Lew Rockwell's failed bank list.

John Montoya
JLM Wealth Strategies, Inc.
(925) 386-6639 Office
Authorized Advisor-Bank on Yourself®
CA Life#0C42222

Monday, June 20, 2011

New Hampshire Man Lights Himself On Fire

If you watch the news daily, you might have a caught this story of the New Hampshire man who lit himself on fire.  Most likely, though, you didn't and for good reason.  Quiet folks, nothing to see, move along...

Here are two articles that report and analyze the what and why:

Simon Black: The Sovereign Man


I liked the Gerald Celente quote used at the end of the Simon Black article.  So true.

You'll find portions of the letter the New Hampshire man wrote to explain his actions in the SHFT.com article.

John Montoya
JLM Wealth Strategies

The Seen & Unseen of Bank on Yourself/Infinite Banking Concept

You'll want to take the time to read the intro and all the discussion thread banter.  Very informative.

Reading articles like the above always remind me of the very first conversation I had with Nelson Nash.  He schooled me and I'll never forget it.  In particular, he told me I was majoring in the minors.  Basically getting caught up in all minute details and missing the bigger picture.  It's easy to get caught up in forensics and analysis of a policy but in the end he recommended returning to the WHY (control the flow of your money) and refer to the basics. He calls it the Seen and Unseen of IBC.

  1. There is no safer place for money.  No FDIC insurance needed.  Life insurance companies are solvent.  They must have more capital reserves than liabilities at all times.
  2. The money is liquid. Access your cash value for any reason, any time.
  3. The money is tax-advantaged.  IRS approved section 7702a.

For the most part, these characteristics are the "seen".  It doesn't take much study to know this about a whole life policy.  The "unseen" is how utilizing this very specifically designed policy will move you from a position of being a saver/borrower to saver/borrower and banker.

Banking is the most important business in the world.  All other businesses will come and go, but the business of banking is eternal.  That's why Nelson will instruct people to have two paychecks in life.  One from their job/business and the other from their banking business.  If they maintain only their job/business, they've giving the banker the other paycheck they could be earning.

People get so upset about the fatcats on Wall Street and the banking industry, yet they fail to understand why the fatcats are there in the first place.  It's because we outsource our individual banking function (give up control of the flow of our money to them).  Wall Street banks will never teach us to control the flow of our money (Be our own banker).  Doing so would mean an end to easy money.

Nothing improves in this world until people change the way their think.  The biggest secret is that we are what we think about the most.  When it comes to your money, my hope is you start thinking like a banker.

John Montoya

JLM Wealth Strategies, Inc.
(925) 386-6639 Office
Authorized Advisor-Bank on Yourself®

Sunday, June 19, 2011

Wall Street Journal Is Now Calling For World War III

It's sad that those that have the capability to reach a very wide audience don't know true history from the propaganda version taught in public schools and regurgitated in corporate media today.  Before my own self study and enlightenment, I actually believed all that I read, too.  There's a saying that only a fool agrees with everything.  Let's see if you agree with this one.  The Wall Street Journal had an article,"What This Country Needs Is A Good 5% CPI" by Brett Arends which I believe to be the epitome of the awful state of corporate owned media today.

Using government massaged statistics like Consumer Price Index (CPI), better known to those in the know as the Consumer Lie Index, as a yardstick is the first hint that you're about indoctrinated at the hands of the spin doctors working hard to make you believe everything is under control.

By far the grossest error in this article, however, is the notion that what we need to solve our economic malaise by going to war.  Apparently, Mr. Arends has been completely oblivious to the 10 year War on Terror and the fact that we have been fighting wars in Iraq and Afghanistan with another in Libya just getting started.  You'd think someone reporting the news would actually be to up speed on current events.  Perhaps these wars are not grand enough in scale though.  What we really need is World War III.


The answer to all our economic problems... War.

Wake up people.  Stop reading and watching mainstream news.  This is the garbage they (the powers that be) want you to believe and it starts with propaganda like this.  When all else fails, go to war.  Nevermind it hasn't worked in the past ten years.  What we need is more death, mayhem, destruction to get people feeling good about buying things they don't need, can't afford, and ultimately, that their neighbors care nothing about. 

War is Peace.  Peace is War.  Are you familiar with that Orwellian spin?  Apparently, who needs love when war cures all, even a bankrupt nation.  After all The Wall Street Journal says so. 

God help us if you believe such nonsense.

John Montoya
JLM Wealth Strategies

Friday, June 17, 2011

Public School Teachers Retirement Options:

403(b) vs. Private Retirement Plan.

Click to play. Audio will begin after 10 seconds.

An iUL is one insurance based solution for teachers.  The other is a participating Whole Life policy structured in a very similar manner.  A JLM advisor can help you determine which solution would be best for your situation.

Appointments can accommodated via online webinars from the comfort of your classroom or home.  Call (800) 208-6141 to request a free analysis or Click Here to request to be contacted.


John Montoya
JLM Wealth Strategies, Inc.


How Much Does A Bank on Yourself® Policy Cost?

This is a great question. Most people are accustomed to buying term insurance because it is so cheap. It's great for that purpose but a term policy is all cost because it doesn't have any cash value growth.

Eventually only 2% of all term policies pay a death benefit. So 98% of the time, all the money paid into a term policy will be lost forever. This means your next generation will be no better off than you were during your life.

A permanent Whole Life policy structured as a Bank on Yourself® policy is designed as a savings account. It is contractually guaranteed to grow every single year!

I can show you how quickly the cash builds and the remarkable thing is how the cash value will pay for the cost of insurance which on this type of policy is guaranteed to never increase unlike with a universal life policy. Because a Bank on Yourself® policy is designed as a savings account and not like a life insurance policy, the question is not how much it costs.

The question is how much would you like to save on a monthly basis?

Call or email to request a free Bank on Yourself® analysis.

John Montoya
JLM Wealth Strategies, Inc.
(925) 386-6639 Office
Authorized Advisor-Bank on Yourself®
CA Life#0C42222

The Amazingly Accurate Predictions of Ron Paul

The men the American people admire most extravagantly are the most daring liars; the men they detest most violently are those who try to tell them the truth.

~ H.L. Mencken

It's been said that all truth passes through three stages. First, it is ridiculed. Second, it is violently opposed. Third, it is accepted as being self-evident.

Ron Paul has been consistent in his views and voting record throughout his career. Watch the video. Decide for yourself. There is no other competition in the 2012 presidential race.

I believe Ron Paul is at stage 3. The truth Ron Paul has been speaking for over 30 years is now self-evident.

Steve Roeder, host of Innovators Radio has asked, "Are people finally tired of the status quo and ready to listen to someone tell it like it is? Where are the truth tellers with credibility at this point?"

It turns out, he's been in front of us this whole time. We just failed to listen.

Thursday, June 16, 2011

Still Think Your 401k Is Safe?

Read this article and decide for yourself. Our country is broke! It's only time before the government nationalizes 401k's.

According to Time Magazine:

“The market turmoil has some politicians on Capitol Hill eyeing the end of the 401(k) as we know it. Under [the new] plan, all workers would… be required to invest 5 percent of their pay into a guaranteed retirement account administered by the Social Security Administration. The money in turn would be invested in special government bonds that would pay 3 percent a year, adjusted for inflation.”

Our government created 401k retirement accounts to attempt to solve a problem they created: excessive taxation. 401k's provide an immediate tax deduction. Unfortunately, they create a very large future income tax which most everyone fails to grasp.

What's even scarier is that Uncle Sam can take this 401k money anytime it wants. Just like it's doing now by dipping into federal worker pension funds after reaching the United States' $14.3 trillion debt ceiling on Monday.

Are you ready to get started with a private non-qualified retirement plan yet?

For a free Bank on Yourself analysis, call (800)208-6141.

John Montoya
JLM Wealth Strategies, Inc.
(925) 386-6639 Office
Authorized Advisor-Bank on Yourself®
CA Life#0C42222

What Is Your Risk Management Plan For The Next Market Downturn?

Peter Schiff has said,"Within the next several years we are going to have the real economic crisis that we didn't have in 2008 ... Every time the government stimulates the economy to create an artificial boom to postpone the pain they make the inevitable bust that much worse."

With QE2 coming to an this month and QE3 becoming inevitable even if it's given a different name, the question is how long can a false recovery last? It could be a few years or maybe a decade or longer. There are no quick and painless solutions. Certainly we cannot expect the people responsible for creating the problem to be the ones responsible solving them.

The bigger question is: Who has the bigger problem: our government or us? When, not if, the economy collapses, will you have the correct risk management plan in place? Relying on our government to protect us is not option. The government will be too concerned about protecting itself and seizing more power from the people.

If you read this blog, I urge you to start taking steps to protect your savings. Here's an additional article written by Peter Schiff titled End Game. I encourage you to read it and watch the very short video below.

Call or email today to request a free report: (800)208-6141

John Montoya
JLM Wealth Strategies, Inc.
(925) 386-6639 Office
Authorized Advisor-Bank on Yourself®
CA Life#0C42222

Wednesday, June 15, 2011

How Safe is Money in the Bank When The Economy Collapses?

Mike Maloney has been predicting a major economic collapse for years. Heed his warnings and start learning why this collapse is now unavoidable. Think for yourself. Don't believe what the corporate media is telling you.

Also, read this article in the Business Intelligence featuring an interview with Jim Rogers.

We all need to change the way we think. We have to stop putting hope in the ability of bankers, financiers, and politicians to fix a broken economic system. The same people who are creating the chaos cannot be counted to correct the problem they made. To expect otherwise is delusional.

Create your own banking system first. Shelter your cash savings from economic collapse. You'll not only earn a better return on your money, you'll protect the money from taxes, and most importantly, when the public is denied access to their cash held in the bank, you'll have the peace of mind knowing your money is safe and liquid just like during the Great Depression when families who owned Whole Life policies were able to remain liquid and ride out the economic collapse better than those that lost everything held in the banks and on Wall Street.

And if you think FDIC is going to re-pay you. Think again. The FDIC is insolvent. There is conservatively over $4 trillion sitting in bank accounts across the nation. The FDIC balance sheet only has a little over $100 billion in assets and available line of credits. With over 800 banks on the watch list in jeopardy of failing, there simply isn't enough money to make bank account holders solvent when banks begin to fail in mass.

As an experiment, if you have over $5000 in a bank account, ask for it in cash. Let me know if the bank gives you a portion and asks that you come back tomorrow for the remainder. They simply don't have it. Now imagine 100's of people trying to do the same thing at the same time. We saw bank runs when IndyMac failed in 2008 and that was just one bank! Don't wait until the bank collapse is more widespread.

Talk to a Bank on Yourself authorized advisor today to protect and grow your money today!

The best thing you can is prepare for the worst. When you do, you can ride out even the worst financial times far better than those who followed the crowd listening to the same advice that continue to net the same results.

We had the Great Depression in the 1930's. Could a Greater Depression be around the corner? The signs are there it will happen. Mike Maloney and Jim Rogers can see it. Can you?

If you are wondering if you can buy gold and silver with your private banking system, the answer is yes. I call this strategy "This AND That". Not "This or That" as with every other type of financial strategy.

John Montoya
JLM Wealth Strategies

Tuesday, June 14, 2011

A Wise Man Builds His House on a Rock

I heard this recently and it made sense right away.

A wise person builds his house on solid rock. A foolish person builds his house on the sand.

This line of thinking works the same with saving money. We've all essentially been tricked into thinking banks and Wall Street. Just think about where you put your own savings.

It's probably sitting in a bank (you don't own or control) earning next to nothing or in the stock market at risk of loss, probably in mutual funds either at a local investment firm or through your employer retirement program like a 401k.

The best foundational place for your money is where it can grow tax-favored safely with contractual guarantees while allowing full access to your money, also tax-free.

Where is the safest place for savings? It's an Infinite Banking designed Whole Life policy through a mutual whole life insurance company. It must be a mutual company because the profits of this type of life insurance company go back to the policyholders, not shareholders on Wall Street! Also, a whole life policy has contractual guarantees to increase in value each year of the contract and it's even tax favored within the IRS tax code.

You probably don't know about Infinite Banking because the bankers and advisors on Wall Street are paid on Assets Under Management (AUM). They get paid to manage assets.   Nothing wrong with that but follow the money trail and it's easy to understand why they don't incorporate life insurance strategies more into their recommendations.

And the life insurance industry would just as soon hope you not learn about Infinite Banking because the large commissions that can be had on traditional Whole Life policies are only available if the industry can get you to buy as much permanent death benefit as you're willing to buy. This is the exact opposite of what authorized Infintie Banking advisors do.

Authorized IBC (Infinite Banking Concept) advisors structure policies for you with the least amount of death benefit to maximize the cash value of each policy. In doing so, we are able to replicate the exact same characteristics you enjoy with your local bank. The difference, however, is that with a Bank on Yourself policy, you control the flow of your money instead of outsourcing the flow of your money to you bank. That's why it's called Bank on Yourself! You are the bank.

Having control over the flow of money means being able to profit from the financing you do in your lifetime. If you think you don't finance anything, then please read my article "The Simple Truth About Money".

We emphasize the safety and contractual growth of a properly structured IBC Whole Life contract because it provides the foundation of wealth building. Simply put, it is the rock that you build your financial house on.

However, if you like building wealth on sand, your traditional Wall Street/Bank advisor probably has a few more mutual funds to offer you.

Interested in learning more? Go to www.IBC.guru

Thank you,

John Montoya

Friday, June 10, 2011

What's Going On In The United States These Days?

Glad you want to know. Click to read this article by Jim Willie at Financial Sense.

Mr. Willie provides an excellent summary of all you need to know about the financial chaos going on in our country. If you watch the evening news or read the newspaper on a regular basis, this is likely to be news to you (and real news at that). Stay informed. I encourage you to read alternative sources of news such as:


If you think your bank is safe, think again.

Mr. Willie says that $7 trillion is sitting in FDIC insured bank accounts. If the government actually had that money, don't you think they would have found a way to spend it and replace it with IOUs by now?

The safest place you can have your cash is in a mutual whole life insurance policy. The money is backed by capital reserves that exceed the life insurance company's liabilities. In other words, these institutions are solvent! They are regulated to be this way.

Banks operate under the fractional reserve system meaning they keep a fraction of your deposit, lend the rest, and then inflate the money system by creating up to 10x the amount of your deposit in new money to lend out. In short, banks are highly leveraged and the main culprit in creating that nasty destroyer of wealth: inflation.

What about FDIC insurance? The FDIC inspires confidence. Just like Bernie Madoff did... and just like Bernie Madoff, the FDIC is insolvent.

Stick with what works.

A participating non-direct recognition whole life policy has been around for nearly 200 years. It'll be around for another 200+ years because it simply works. It is the safest place you can warehouse your cash.

Combine the fact that you can make $1 do the work of $2 by saving money with the same dollar being used to pay off debt, and you'll realize you're the smartest person in the room once you learn about the Bank on Yourself.

Despite all the uncertainty in the world today, one thing is certain. The business of banking is eternal and will survive what happens politically and economically in the decades to come. For that reason above all else, it's crucial that individuals have their own banking system. The sooner we, as individuals, control our flow of money through the creation of our personalized Infinite Banking system, the safer and wealthier we will become.

Go to www.CashValueBanking.com to learn more or call (800) 208-6141 to request a free analysis by a Bank on Yourself certified advisor. All appointments can be done over the phone and in front of your computer. Let your cash find a safe place before the storm clouds on the horizon gets any closer.

(Note: If you have a preconceived notion that this is like your mom's or grandma's whole life policy, you're sorely mistaken. A short online meeting can put that notion to rest quickly. And if you think you're too old or have health issues, we can look at insuring your spouse, child, or grandchild.)

John Montoya
JLM Wealth Strategies
(800) 208-6141

Wednesday, June 8, 2011

My Reason For Teaching The Infinite Banking Concept (IBC)

Sometimes when I tell people what I do for a living, my explanation flies right over their head. We are all so accustomed to depositing our money at our local bank and then using those banks as our source of capital for larger financing needs that it's beyond our comprehension to think we don't ever have to rely on a local bank again. It's almost like I'm telling people the world is round while everybody still believes the world is still flat!

It's often said that the greatest trick the devil ever pulled was convincing the world he doesn't exist. I believe the greatest trick bankers ever pulled is making all of us believe we can't function without them. This, of course, simply couldn't be further from the truth.

Why do I dislike our banking system so much? It's dishonest. The banks take our money and lend it right back to us at interest. Then the banks go one step further. They create money out of thin air, money that never existed before, and they lend that money out as well. Anybody that lends money that doesn't exist is evil. The power to corrupt is unimaginable. It should be no wonder our economy and country is where it's at today after nearly 100 years of the Federal Reserve controlling our money supply.

Banking was conceived in iniquity and was born in sin. The Bankers own the earth. Take it away from them, but leave them the power to create deposits, and with the flick of the pen they will create enough deposits to buy it back again. However, take this power away from them, and all the great fortunes disappear, and they ought to disappear, for this would be a happier and better world to live in. But, if you wish to remain the slaves of Bankers and pay the cost of your own slavery, let them continue to create money and control credit. - Silas W. Adams in The Legalized Crime of Banking (1958)

Need I say more? Bankers know if they control the debt, they can control individuals and countries alike. This is the reason behind all central banking and our Federal Reserve banking system here in the United States: Control. The essence of banking is to make us slaves to debt. Once they own our debt, they own us. And if you didn't know, our money is debt. Simply look at the dollar bill in your pocket. It's say Federal Reserve Note. It's an IOU. The Federal Reserve creates the money out of thin and we pay interest on these debt notes.

Read this article by Gary North: The Safe Banking Fantasy.
My hope is that after reading this article, you'll start to question your belief in our banking system. Remember the greatest trick a banker pulls is convincing you that you need them. It's a fantasy. This article helps to expose the safety we believe banks have. Banks are actually the riskiest financial institution that exists because they lend out your money and money they don't have.

So why do I love what I do for a living? I get to help people take back control of their money and their financial life from the banks. It's that simple. The sooner you start learning about how banking really works, the sooner you can free yourself from your banks grip on your money. Change in this country will have to start from the ground up. It's obvious to me as it should be to you by now that real change will not happen from the top. Our political leaders lack the will to do so. Any real change must be come from individuals.

Privatized banking is not only safer than traditional banking, it doesn't create inflation (an increase in the money supply). The Infinite Banking Concept is built upon a sound money principle which is something we all need to practice.

Visit CashValueBanking.com to learn how you can get started with your own banking system or email me at John@JLMws.com for more information.

Finally, watch this clip from the movie The International. I hope what I'm sharing with you is starting to resonate. For more detailed reading about the history of the Federal Reserve, I highly recommend you read The Creature From Jekyll Island by G. Edward Griffin. It reads like a mystery novel and is all the more fascinating because the book is based on facts. You'll have a hard time putting it down.

John Montoya
JLM Wealth Strategies, Inc.
(925) 386-6639 Office
Authorized Advisor-Bank on Yourself®
CA Life#0C42222

Tuesday, June 7, 2011

The CashFlowGPS system is here! (No Monthly Fee With Coupon Code Below)

Own your home years sooner, eliminate all your debts, and build wealth with the CashFlowGPS roadmap system! You'll learn how to utilize this system with the Infinite Banking Concept to save money and pay off debts simultaneously as instructed in the video at CashValueBanking.com.

This service is normally $24.95/month but is a gift for JLM Wealth Strategies clients and followers on Facebook and Twitter.

To register for your free CashFlow GPS account, please call (800) 208-6141 and leave a message with your name, telephone, and email address. Your phone number will be used to confirm email addresses. Don't forget to mention the coupon code to get the monthly service fees waived: GPS2011. Your account information will be emailed to within 24 hours.

Do you know someone who would benefit from having their own The CashFlow GPS system? Share this information with them so they can get their free account. Click on the envelope below to email this page to your friends and family to let them know you're thinking about them!

There is no time better than the present to change your life and those you care about!

Monday, June 6, 2011

Add The 401k To The Long List Of Government Failures

We've all been taught that the way to save for retirement is through 401k/IRA government created qualified plans. I highly encourage you to change the way you think and do so while you'll still have time. Our government has a long history of failing when it attempts to create a solution to a problem. Nelson Nash, author of Becoming Your Own Banker, wants you to consider these monumental failures our government has cooked up for us:

  • The U.S. Postal Service was established in 1775. The government has had 236 years to get it right. It’s broke.
  • Social Security was established in 1935. The government has had 76 years to get it right. It’s broke.
  • Fannie Mae was established in 1938. The government has had 73 years to get it right. It’s broke.
  • The war on poverty started in 1964. The government has had 47 years to get it right. One trillion dollars of our money is confiscated each year and transferred to the poor, and they want more.
  • Medicare and Medicaid were established in 1965. The government has had 46 years to get it right. They’re broke.
  • Freddie Mac was established in 1970. The government has had 41 years to get it right. It’s broke.
  • The Department of Energy was created in 1977 to lessen our dependence on foreign oil. It’s ballooned to 16,000 employees with a budget of $24 billion a year, and we import more oil than ever before. The government has had 34 years to get it right. It’s an abysmal failure.
The government has failed in every service they’ve shoved down our throats while overspending our tax dollars. Now let’s see. You want to trust these folks with your plans for your retirement through tax qualified plans? Who has the problem here?

Insanity is doing the same thing over and over and expecting different results.
–Albert Einstein.

Just for fun, I'd like you to google: government retirement account. You'll find that our government is already plotting how to take over the retirement accounts it created to help us save for retirement. Our government knows they are going to need access to every dollar in these plans in order to buy our Treasuries (our country's debt) that no other country will be willing to touch in a few years time, if not sooner.

We are headed towards a Qualified Plan Disaster and you might not even be aware of it because the government and corporate propaganda machine has been running full steam ahead for years now. What's frightening is that people save for retirement using 401ks more so than any other type of savings vehicle. Are you starting to see the train wreck before it happens?


Challenge the traditional financial system of beliefs because they simply do not make any logical sense. Why save money in a retirement vehicle that exposes your money to both stock market loss and a lifetime of taxes when you retire? It's illogical. That's why I'm encouraging you to wake up now before it's too late.

For perspective, here's a quick story that I hope resonates.

It's about a woman who always cut off the turkey legs to roast a turkey. When asked by her daughter why she did it that way, the mom said because her mom did it that way and her mom's mom did it that way as well. It never occurred to her that grandmother's pan was too small to fit the entire turkey. Need I say more about questioning your belief system.

Go to my video at www.CashValueBanking.com to educate yourself on the best financial solution that exists to solve your retirement dilemma. Then call 800-208-6141 to schedule a free analysis from 1 of 200 authorized advisors nationwide with Bank on Yourself.

Saturday, June 4, 2011

Ron Paul : I Think Were Headed For A Financial Catastrophe!

Ron Paul is an Austrian economist, physician, and willing to ask the tough questions. Check his voting record. It speaks for itself.

Where is the best place to have your money during times of financial chaos? Watch the video at www.CashValueBanking.com.