<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[RSS Feed]]></title><description><![CDATA[RSS Feed]]></description><link>https://ecency.com</link><image><url>https://ecency.com/logo512.png</url><title>RSS Feed</title><link>https://ecency.com</link></image><generator>RSS for Node</generator><lastBuildDate>Wed, 12 Aug 2026 11:38:11 GMT</lastBuildDate><atom:link href="https://ecency.com/created/wholelife/rss.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Whole Life Insurance Policy Cash Value]]></title><description><![CDATA[Whole life insurance is a very old financial tool, which is offered by companies, some of which are over 150 years old. I began exploring this financial tool recently, and specifically started analyzing]]></description><link>https://ecency.com/@shortsegments/whole-life-insurance-policy-cash-value</link><guid isPermaLink="true">https://ecency.com/@shortsegments/whole-life-insurance-policy-cash-value</guid><category><![CDATA[investing]]></category><dc:creator><![CDATA[shortsegments]]></dc:creator><pubDate>Mon, 28 Oct 2019 02:50:54 GMT</pubDate><enclosure url="https://i.ecency.com/p/4HFqJv9qRjVeVQzX3gvDHytNF793bg88B7fESPieLQ8dxHnEDrEH8PFdtUbaRWZcxeVRho3vdbSru8JgBbRSAZYqWxLi6S9issZhTbve7D58ojytu5gPJD4ZaNQW7GBUsmepx6qxj5dyRjqd8S7mtKeyi5KWjSzAuLr?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[信任?]]></title><description><![CDATA[您对你的另一半有多信任? 假如你爱着的人投资失败，须要一笔款项来过难关您会愿意做私人贷款帮他吗? 或者车坏须要用您的名义贷款，您愿意吗? 您爱的人出了问题不是应该要帮他渡过难关吗? 很多时候您要帮，身边的人就开始反对。。。 您会被骗、不要上当、您会很惨的。。。 不断有反对的声音 其实您是不是要问自己，他是你选的吗? 您信任他吗? 不是要对的起自己的心吗? 您爱的人有难你就离开，那是真爱吗?]]></description><link>https://ecency.com/@samchee81/3fgxzk</link><guid isPermaLink="true">https://ecency.com/@samchee81/3fgxzk</guid><category><![CDATA[love]]></category><dc:creator><![CDATA[samchee81]]></dc:creator><pubDate>Thu, 14 Jun 2018 12:53:03 GMT</pubDate></item><item><title><![CDATA[Infinite Banking and Real Estate:  More In Common Than You Think]]></title><description><![CDATA[A fail-proof way to creating wealth over time is by accumulating assets. To make clear, an asset can be many different things. For the purposes of this blog post, I’m going to focus on financial assets]]></description><link>https://ecency.com/@johnmontoya/infinite-banking-whole-life-real-estate-how-the-value-of-ibc-relates-to-owning-real-estate</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/infinite-banking-whole-life-real-estate-how-the-value-of-ibc-relates-to-owning-real-estate</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Mon, 09 Apr 2018 01:01:45 GMT</pubDate><enclosure url="https://i.ecency.com/p/2VZXybTSZJq1UtNorhGbvwWbaPyocBG2BjejSr3EkRzeG3ihPYQAwJdnieo5w4U7fpxGw8ykdXhJ7GZEivSbgtRA6XyPEwg3LNixm4fVbjoW5KjbmSEu1QgRi3WbifVxD5EWqUtvBCCTKgxAfiqRca2MmtS?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Infinite Banking 101:  Debtor, Saver, or Wealth Creator]]></title><description><![CDATA[Infinite Banking 101 Understanding how the Infinite Banking Concept (IBC) works should be simple and easy. The three pictures below aim to show you just how easy it is understand how IBC works. At the]]></description><link>https://ecency.com/@johnmontoya/debtor-saver-and-wealth-creator-which-one-are-you</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/debtor-saver-and-wealth-creator-which-one-are-you</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Sat, 07 Apr 2018 16:59:36 GMT</pubDate><enclosure url="https://i.ecency.com/p/8SzwQc8j2KJb4ARrxQxCjX4jizub4U5CAK3WwB89ooFjYtgusGmPkf8zYhFEQNSkhe3uK4qTvYPiNvqpWU8mXa9MPzVsqbr8wu3WDFm3uueTSGMUrKx?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Business Testimonial for the Infinite Banking Concept]]></title><description><![CDATA[As a business owner you know access to capital is crucial and so is the ability to manage cash flow. The Infinite Banking Concept gives business owners the ultimate flexibility to run their business on]]></description><link>https://ecency.com/@johnmontoya/business-testimonial-for-the-infinite-banking-concept</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/business-testimonial-for-the-infinite-banking-concept</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Fri, 06 Apr 2018 16:24:45 GMT</pubDate><enclosure url="https://i.ecency.com/p/AmRc67RgYaWVEa5TxnoPRiGMS1Ae6MyfiK8oyuudvLkqwZ1PsE3yjkWbxriEgUk5fbgauWvsUNuDi8KsNSwxUSpTL9yidGyYou67u3n5cZEoSgt3ZAiHHjgFvzoajkrFbjU8D2WZXWBBxkJGbMrv3NvrXB6RBPGz?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Video:  Are You 100% Certain You'll Have A Great Retirement or Do You Have Some Doubt?]]></title><description><![CDATA[Would you like to know how to pay off all of debt, including your mortgage, while at the same time creating a tax-free retirement? Watch the video below and "Meet Mark" to learn the Your Family]]></description><link>https://ecency.com/@johnmontoya/video-are-100-certain-you-ll-have-a-great-retirement-or-do-you-have-some-doubt</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/video-are-100-certain-you-ll-have-a-great-retirement-or-do-you-have-some-doubt</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Wed, 04 Apr 2018 16:25:21 GMT</pubDate></item><item><title><![CDATA[3 Ways To Have Tax-Free Income in Retirement]]></title><description><![CDATA[Did you know there's only 3 ways to create tax-free money in retirement? You could buy municipal bonds. No restrictions on how much you can buy. Muni bonds are generally safer than stocks but there is]]></description><link>https://ecency.com/@johnmontoya/3-ways-to-have-tax-free-income-in-retirement</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/3-ways-to-have-tax-free-income-in-retirement</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Tue, 03 Apr 2018 16:29:21 GMT</pubDate><enclosure url="https://i.ecency.com/p/LcTxR7u1XKae8Zaj594qUJafNyNSBw9svATPAkZ7oBbMFKfGTQQ1AnVkEeoHYfVRtcmCE3Hw7hqGF1t6fkfz9FgCcyC2X8hwijjeEGo6Jwk3ynTgLyj9JPLeXkFwm63UN31Q5qirTLGNNFt6zM6xSokJa?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Buyer Beware: The Untold Risk of Universal Life Insurance]]></title><description><![CDATA[If you own any type of a Universal Life Insurance policy or if you are the beneficiary of a Universal Life policy, this is a cautionary story that needs to be read, understood, and shared with your loved]]></description><link>https://ecency.com/@johnmontoya/buyer-beware-the-untold-risk-of-universal-life-insurance</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/buyer-beware-the-untold-risk-of-universal-life-insurance</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Tue, 03 Apr 2018 00:48:45 GMT</pubDate><enclosure url="https://i.ecency.com/p/2N61tyyncFaFnNFKLegVvzmsrMAExSDXzsHdqwaiRpsbZJpioLRMgq4TJ1jYVuBL8fA2auFV5ekyp4DkLVVGZ5SwQ1cvxAkPCU4TiEqZMt8yLrketbWe8ShrnQ45HGrNrq1XPfmNobmg?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Infinite Banking Question of the Day:  What's The Best Way To Re-Pay A Policy Loan?]]></title><description><![CDATA[As an IBC'er, you are in total control of your cashflow which puts you in a unique situation compared to traditional bank borrowers who must maintain a fixed payment and set schedule of payments for the]]></description><link>https://ecency.com/@johnmontoya/infinite-banking-question-of-the-day-what-s-the-best-way-to-re-pay-a-policy-loan</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/infinite-banking-question-of-the-day-what-s-the-best-way-to-re-pay-a-policy-loan</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Fri, 30 Mar 2018 14:47:24 GMT</pubDate><enclosure url="https://i.ecency.com/p/2r8F9rTBenJR3iqPxDrevHK3vDeQGnHc8Wj8C8negi9kh9zqX8a7Bas9hue2R1RevTfUuD3uiq2cVRgjVD4Y6GgkQ1H9zjpi6fSx4GVNpZh9T7LR4a6kDDAvPqfv6VxLE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[How To Get Started With Infinite Banking in 3 Simple and Easy Steps]]></title><description><![CDATA[Hey, hello there! Congrats on making your way here. If you've found this article, it's likely because you've done some research on the Infinite Banking Concept (IBC) (also known as Bank On Yourself or]]></description><link>https://ecency.com/@johnmontoya/how-to-get-started-with-infinite-banking-in-3-simple-and-easy-steps</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/how-to-get-started-with-infinite-banking-in-3-simple-and-easy-steps</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Wed, 28 Mar 2018 03:44:03 GMT</pubDate><enclosure url="https://i.ecency.com/p/TZjG7hXReeVthqpTJZmwvzsLcvMeG4TU4Gjdfy25k2GHwy8Nep88Enj893FKEr9Nfwuazw4TtGeay2L79ob8uhDaNtuxBiQBvdVuexGPzr4KdvcNk4xyWMhU6FJeSBdjpBQ6rBjnXbxwPU?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Financial Question:  Taxable income or Tax-Free Income in Retirement?]]></title><description><![CDATA[Seems silly, right? Of course, any sane person would prefer a tax-free retirement. Problem is most people are stuck contributing to 401k's and do not realize a properly structured Whole Life policy (Infinite]]></description><link>https://ecency.com/@johnmontoya/financial-question-taxable-income-or-tax-free-income-in-retirement</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/financial-question-taxable-income-or-tax-free-income-in-retirement</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Mon, 26 Mar 2018 15:24:30 GMT</pubDate></item><item><title><![CDATA[What  Is the Least Expensive Way To Buy Life Insurance? (A Deeper Dive Into Life Insurance that Wall Street and the Mainstream Media Won't Tell You About)]]></title><description><![CDATA[There are a many options for purchasing life insurance and because each person's situation is different, I'm writing this blog article to help you better understand the different options and what will]]></description><link>https://ecency.com/@johnmontoya/what-is-the-least-expensive-way-to-buy-life-insurance-a-deeper-dive-into-life-insurance-that-wall-street-and-the-mainstream</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/what-is-the-least-expensive-way-to-buy-life-insurance-a-deeper-dive-into-life-insurance-that-wall-street-and-the-mainstream</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Sun, 25 Mar 2018 20:59:39 GMT</pubDate><enclosure url="https://i.ecency.com/p/54TLbcUcnRm4iYtFdzVNy1kt3F2tvRShXkTnWxjMsfN4qnekktV7cz5qaN8Ne3zcVYUVnjMqZQXoarAhn4eJfjS9t61gLaG8gAWNkj5fM8MpdCGTNrcQrZZDLc8zAv8Pbx47TBZpJ?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Internal Rate of Return of Infinite Banking Whole Life Policies]]></title><description><![CDATA[Sometimes when demonstrating the value of an Infinite Banking designed Whole Life policy, the conversations steers toward the return on the cash values (also called IRR- internal rate of return) and the]]></description><link>https://ecency.com/@johnmontoya/internal-rate-of-return-of-infinite-banking-whole-life-policies</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/internal-rate-of-return-of-infinite-banking-whole-life-policies</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Thu, 15 Mar 2018 23:38:18 GMT</pubDate><enclosure url="https://i.ecency.com/p/RGgukq5E6HBS5wvERDA3ZF4P2WKQy2VoZZet1QV2cZ4wQPjyAbE7DWRqiwc9rL7Gsh2EHLCvpJUnFn3fdUXsDXGQVUSYbTMiKETu3FMXjwVrChAKsj7h7HsHnYwcBxJ?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA["How Much Is The Interest and Dividend Components in a Whole Life Policy?"]]></title><description><![CDATA[I received an email from a prospective client asking this question in the past week and thought I'd share my reply. "How Much Is The Interest and Dividend Components in a Whole Life Policy?"]]></description><link>https://ecency.com/@johnmontoya/how-much-is-the-interest-and-dividend-components-in-a-whole-life-policy</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/how-much-is-the-interest-and-dividend-components-in-a-whole-life-policy</guid><category><![CDATA[nfiniteanking]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Tue, 06 Feb 2018 19:59:51 GMT</pubDate><enclosure url="https://i.ecency.com/p/JvFFVmatwWHVQPjDcGkFxELgGtwNAntRtiqDuEyyBrr8y9CuUT1MPMMeGtvWrvyvHgd4bpYzR8J1CcTBgFKeapykp5zaQwq89d5gisDwvsweF4zEKNZih7CTbSuM9sbeQncJdVkuZY?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[3 Common Misconceptions About The Best Financial Product In Existence]]></title><description><![CDATA[Stop me if you’ve heard this before. “Whole Life is so expensive.” “Whole Life takes so long to build any cash value.” “Whole Life requires a premium every year until you die.” Unfortunately, for so many]]></description><link>https://ecency.com/@johnmontoya/3-common-misconceptions-of-the-best-financial-product-in-existence</link><guid isPermaLink="true">https://ecency.com/@johnmontoya/3-common-misconceptions-of-the-best-financial-product-in-existence</guid><category><![CDATA[wholelife]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Tue, 09 Jan 2018 23:32:12 GMT</pubDate><enclosure url="https://i.ecency.com/p/HNWT6DgoBc18GVREvvsnAjfLwLF5qHHFduNHKinq1Fuh2RhcnTtHgWeQpeH7Lg2JeR2KSYFY8UDv3yxGVT8dTtppuu86b42RSd1QszNnTBovej7ZUNdpwxguMRx?format=match&amp;mode=fit" length="0" type="false"/></item></channel></rss>