Hello! My name is Peter Arnold. WELCOME to this Web Page (part
This Special Web Page is all about PRIVATIZED
BANKING -- becoming your OWN banker. But first...
TRUTH - The core values of honesty,
integrity and "objectivity" - when planning for your own financial future - and searching for financial advice
- are absolutely paramount, in these tough economic times.
It is my personal belief that unfortunately, most financial "advice" given today is not only
UNobjective - but also severely "biased". This is not to say that all such advice is bad, because there are
indeed, many financial professionals out there who will have your best interests at heart. However, "let the buyer
beware" is a good motto to follow. I believe it is critical for any individual or any business person to do their
"own" homework carefully - to gain the right "financial education" - in order to know every major fact when
considering the choice of a financial advisor, a service, or a product. Sadly, the real "truth" is that many of the
major facts within financial products being sold today are conveniently "not fully disclosed" to the customer /
client / investor. And too much of what is out there is complicated, even overwhelming, and very time-consuming, to
Risk - Also, I believe the North American
public has been "brainwashed" into believing they must accept risk, volitility and unpredictability in order
to grow their net worth substantially, and build real wealth. Well, nothing could be further from the truth,
because here, you will learn how you CAN build wealth - safely - "without" the usual, violent gyrations of stocks,
mutual funds, futures, real estate, gold, and other such investments. Yes, here we're talking
about having true FINANCIAL CERTAINTY.
Reality - With the dismal failure of many (perhaps most)
investments over the past two decades, the job losses, the rapid fall of company pension plans, the housing bubble,
the bankrupt social programs, the "fiscal cliff" fiasco in the US (which Canada is "tied" to), etc - a great many
people are now either stressed out, or taking 2nd jobs (if they can find them), or really "hurting" financially, or
post-poning their retirement plans, etc. Their financial worlds have turned upside down - they want more
Creating WEALTH - There are different ways to create
wealth. Here are two: 1) You can increase the amount of
money - you MAKE --- 2) You can increase
the amount of money - you KEEP. Yes, it's critical in these times to develop ways to diversify, and
increase CASH FLOW - it's the "first step" on the journey to building wealth. But here, we're comparing something a
The most damaging aspect of our personal finances is not the small rate of return that we MAKE on our
INVESTMENTS - it is the large amount of money we SPEND every month on our personal
DEBT (car loans, mortgages, credit cards, etc) - and the money we LOSE every month to interest, taxes, and "opportunity cost"
(the growth our money, that we 'could' have earned, had we not payed 'cash' for our purchases). It is that part
(what we SPEND, and LOSE) - that adds up to a financial FORTUNE, over time. And that
(otherwise lost) "fortune" can be totally RE-CAPTURED!
Tradition - We all have opinions and biases
that have been shaped by our education and experiences. Ideas that have been "traditional" ones tend to become
fully ingrained in our thinking. Many of these ideas are very difficult to "change". Gaining "accurate" information
and correct knowledge of the idea that follows below may be a case in point - it is
different from what you (we) have been taught over the years by the financial community.
It goes "against" what WALL STREET or BAY STREET preach. Yet it is superior to just about anything else out there,
for achieving financial independence.
UP FRONT - I wish to disclose that, although my professional
background and education has been largely in the field of counselling clients on business and financial
matters - I do not personally market this outstanding (IBC) financial
vehicle (I am not "licensed" for that) - nor do I receive any financial compensation whatsoever
for recommending it, or referring the few Special Advisors who do specialize in it. Although I do applaud the
IBC idea, I feel I am able to provide you with a totally "independent" view on this, as I
have "no ties" to any IBC financial product, or company, or promoter. The many sources
reviewed for this data are believed to be accurate and reliable, but cannot be guaranteed.
My Goal - I simply believe that the
financial principles of the IBI (Infinite Banking Institute) and the IBC
(Infinite Banking Concept) are so important to your (our) economic health that I felt compelled to put this
Web Page (and others) together, to at least "expose" you to it - to give you some "basic" information about it - to
"guide" you, should you wish to explore the IBC further with a well qualified professional. What follows therefore is, hopefully,
helpful to you. Let's get started...
About 'COMMERCIAL' B-A-N-K-I-N-G
The time-tested, 5,000 year old principles of BANKING have shaped - and created
WEALTH for - some of the biggest corporations and institutions in the world - bar none.
Their Secret - Doing what THEY do is
key - instead of doing what they have been "telling" YOU (us) to do, for centuries!
FINANCING - Commercial banks are in the
FINANCING game ("fractional banking"). They "accept DEPOSITS" from
their customers (depositors) - and they also "grant LOANS" to their customers
(borrowers). But, there's a HUGE difference in the INTEREST rates between these
two consumer groups (the interest they "pay" to their depositors -vs- the interest they "charge" to their
For example, banks (currently) pay depositers no more than about
2% -- whereas they
charge -- for home mortgages, about 4-5% -- for car loans, about
8-9% -- for credit cards, about
18-22%. You get the picture!
Leverage - This interest
rate "spread" is one of the major ways banks make their gigantic PROFITS, and show wealth
(their billions in ASSETS), on their Annual Financial Statements.
OWN Family Bank ('Private BANKING
Now, you can do the very same thing as COMMERCIAL BANKS do - using this very same Wall
Street / Bay Street financial model (financing) - to grow YOUR asset base - to build YOUR
wealth - to protect YOUR financial future - without any RISK. Over time, your own
"Private Banking System" (PBS) can become the central HUB for
almost all of your financial decisions.
PBS (Private BANKING System) - What follows
is information from the IBI (Infinite Banking Institute) about a
remarkable (but little known) financial concept. It has had its roots in what is called the IBC (Infinite Banking Concept) - "infinite", because of the vast number of "uses" it has. This
(IBC) is truly different. It's a NEW (yet proven) way for YOU to expand your cash flow, grow your net worth, and
build wealth - safely. In fact, it enables you to SPEND your money, while "at the very
same time", GROW that same amount of money - you get double-duty on your money. You
can keep spending, yet grow your wealth at the same time (sounds weird, but it's absolutely true).
To understand IBC (the PBS - Private Banking System), ideally,
you should have at least a little understanding of Austrian Economics - and you'll need to get a grasp on
some basic "financial concepts". In addition, you'll need to start wearing a "different hat" when it comes to
how you view your "money". This will require a paradigm shift from where most of us are in our financial minds.
It’s time to put on the banker’s hat -to sit in his/her chair, and view yourself from
their eyes - and how they view your money in
Financing Your VEHICLES - To give you just
'one' compelling example of PBS at work =>
It's NOT 'Saving & Investing' - It is very important to note a KEY "distinction" here. Creating your own family bank
(your Private Banking System - PBS) is not about "saving & investing" your money
(surprise!) - NO, it is about doing what the BANKS do - "financing" (in this case,
SELF-financing). With your own PBS, you will "finance" the major purchases you make during your
lifetime (the cars, home improvements, furniture, equipment, vacations, drapes, carpets, etc) - and thus, build
It's NOT a 'Get-Rich-Quick' Deal - This is not about
a Home Business opportunity, or a Franchise, or Network Marketing, Affiliate Markleting, etc. And it is
not some kind of over-night "rags-to-riches" deal - this about truly securing (actually
"guaranteeing") your financial future, over time =====> Click Here
Over time, your own PBS creates a large, growing (predictable, and totally
risk-free) liquid CAPITAL FUND for you - one that you can "depend" on (it's contractually 'guaranteed') - one that
is creditor-proof - one that can greatly expand your net worth position over time, and build real WEALTH for your
When you are ready to buy your next car, or to pay down student loans, or to purchase an item, or
pay for a service, or buy equipment for your business or practice, etc - and you have enough capital (high cash
values) -- well, instead of paying cash, or financing it, through a "commercial bank",
you utilize the funds, or finance the purchase, through your OWN bank loan. It's not rocket-science - with the
'Infinite Banking Concept' (IBC) - you are "both" the CUSTOMER and the BANK.
MORE - on IBC and PBS
Financial Education on IBC + PBS - There
are 'many' excellent sources of information available to give you a deeper understanding of, and appreciation for,
having your own PBS (Private Banking System) - based on the IBC
(Infinite Banking Concept). I'm including only a few sources
here, to help you in that quest. For the best results, please follow the "sequence" of the points below.
Note - Much of what follows applies to the USA, but
Canada is very similar.
- Read my own (brief) INTRODUCTION to the
IBC (Infinite Banking Concept) => Click Here
- Read some important ENDORSEMENTS about IBC (Infinite Banking Concept)
=> Click Here
- Read about the Authorative BOOK on IBC, and learn about the FOUNDER of
IBC => Click Here
- Learn how you can now build WEALTH, safely, without working harder, or
longer => Click Here
- Discover the amazing FINANCIAL TOOL "behind" the IBC (Infinite Banking
Concept) => Click Here
- What about the FUNDING for your PBS (Private Banking System) - how do
I DO that? => Click Here
- Visit the official IBC (Infinite Banking Concept) website,
owned by the IBC FOUNDER => Click Here
- Study this great FREE eBook ("Rx -
Prescription For Wealth"), by Dr. Tomas McFie ==> Click Here
- MORE: An
excellent (USA) website on IBC (Pamela Yellen) that provides lots of info => Click Here
- MORE: For a deeper look at IBC (plus
videos, etc) I put together another Web Page => Click Here
CONTACT - Please feel free to contact me
about IBC (Infinite Banking System). I have researched the USA and Canadian markets thoroughly,
and can guide you to the few highly competent and well trained IBC Special Advisors who can help you set up your
own PBS (Private Banking System).