Learn more about Geal Talbert 👇 advisors.ubs.com/geal.talbert/ advisors.ubs.com/successiongroup/ Contact Dan Ollman 👇 Executive Manager-Anderson Funding Community (800) 706-4741 x 270 Questions: funding@andersonadvisors.com 1 on 1 Consultation: calendly.com/anderson-funding-community/
You could also just use a properly structured, dividend-paying whole life insurance policy from a mutual life insurance company whose cash values are guaranteed to grow over time. You would just borrow against the cash value through a policy loan from the insurance company. There are no required monthly payments (you pay it back when you want or not at all, although you really should) and no margin calls because your cash value is guaranteed to grow every single month and will likely earn dividends every single year. You would then use those dividends to purchase more life insurance within the policy so that you would earn even more dividends the next year. This leads to an exponential compound growth curve which gives you more cash value against which you can borrow. There is no credit check to take out a policy loan and the insurance company cannot deny you for the loan as it is a contractual right of the policyholder to take out a policy loan.
@@marcsegien3544 I've never heard of an "IBLOC". I'm just talking about policy loans from an IBC policy. No one calls it an "infinite banking line of credit" because that isn't a thing.
@@kylespeaks7401 I'm not sure what fees you're talking about. You have less cash value growth in the first year to pay the agent's commissions. After that, your cash value grows much faster, and continues to accelerate over time. There are no real "fees". Maybe you're thinking of universal life policies or something? Also, 2% a year gain is not at all accurate. Usually it's at least a 4% gain if not more, but the growth compounds without interruption because you can access the cash value through a policy loan instead of by taking the money out directly. If you understand how compound interest works, this is desirable. Also, since you're able to access the cash value through a policy loan, then the percentage of gain doesn't really matter because you can still invest in whatever else you want to. You're not choosing either a whole life policy OR to buy real estate, for example. You buy the whole life policy first, then borrow against it to buy the real estate. IBC is just a way to store capital in a place where it's guaranteed to grow tax-free and where it can be accessed tax-free at any time.
Great info, but as someone with a very REIT heavy portfolio, I wish she would have elaborated on why it can’t be REITS… FRT for example is a dividend King and a REIT, that’s pretty safe to me… why can’t you borrow against it? You could make a separate video on just the qualifications, such as what stocks in your portfolio are acceptable.
Thats a good question. REIT's are private sector Trust, not all but most. FRT is public so i dont see why not. Most Trust are not public traded entity's such as FRT or Equity's (that IPO'd). Any private contracts or agreements cant be borrowed against as of yet. I do see in the near future, ppl being able to do so via "tokenization" (which will be an option for all structures soon, public & private). My guess is due to the private sector matter involved w/ most REIT's is why its not possible (SBLOC)
Toby, what about the saying sell high buy low? I'm specifically talking about real estate. I sold 3 properties in Las Vegas to buy more during the down market or possible recession.
Excellent resource! Definitely pushing this out to all of my clients! Thank you for bringing together so many experts for this video (echoing your own words at time stamp 40:07 in the video, their wisdom share really hit home for me). All of your videos are flawless! Keep 'em coming!!!
Wow! I thought that some of the other videos that I've seen before where the best I've ever seen BUT THIS NOW has taking the crown for the best video you put out. (QUESTION) In the changing global economy into fedcoin and other changes coming in the world regarding ESG How would The Lending landscape change? What would it look like?) I'm definitely going to keep you in mind and use you in the very very near future thank you again sir blessings to you and your family.
Great video, Toby - learned a lot. I wonder how the dramatic rise in interest rates has affected the availability of the credit options you discuss with these expert guests or the feasablity of these strategies?
You should check with your financial institution to confirm, but generally no, you would not be able to borrow from your portfolio holdings if they are on margin. Margin accounts are typically accounts where your broker-dealer, or financial institution, use your account as collateral to purchase those securities. Because of this arrangement, you generally would not be able to borrow.
Hi Toby, Your content is second to none! Quick question: If I borrow private money and issue a promissory note for the sake of retail investing through my individual brokerage account, do I need to business license in Nevada ie a sole proprietorship?
Great question, to assist you further, I highly recommend you request a free 45-minute consultation to discuss this with my team so we can provide you with an answer that is unique to your situation. Visit: aba.link/036531
It depends on what you mean in regards to tax benefits. A HELOC is a great way to both access the equity that you may have in a property as well as implement an asset protection strategy known as "equity stripping" that makes that asset less appealing for a lawsuit. For tax purposes, the money they you have access to through a HELOC is a line of credit and is not taxable when you borrow as it is debt. There may be ways to use the HELOC as a deduction, but we would encourage you to discuss that with your tax professional as it will be case specific as to your situation and what you are using the money for.
Absolutely, though whether you would want to do so will depend on a lot of specific factors. We recommend having a discussion with one of our senior advisors to discuss your particular details.
I bought and created paper while in the Real estate business.. Mostly borrowed from banks. I now live in Peru and the banks are useless. 20 percent.. I'm hoping to Learn something new here. Thanx
What happens if I borrowed 100k from one of these lenders to pay myself at the beginning of the year through my llc and then used my llc to make the payments each month for the year . It's expected that I would pay it off within 11 months full amount. What scenario positive or negative would that be if I am a general contractor? Is there a better way ? Also if this is a private loan , there's no potential to earn credit score increases right ?
Hi JJ, thank you for leaving your comment. You can request a free 45-minute consultation to discuss our proven asset protection and tax strategies and how they apply to your unique situation. You can get set up here ----------> aba.link/tobyss
Anderson has services assisting in setting up certain business entities designed to aid among other things also with the lender qualifications. We also do offer services facilitating the funding community that can assist in obtaining certain loans and lines of credit for your business.
Great question! That will depend more on the individual lender, but theoretically yes so long as the lender is able to see and secure the physical gold to their satisfaction, that could be used as capital for a secured loan.
Im new to OPM and Arbitrage, aand this is extremely helpful to me TYSM! 👾💙👾 These are called security backed loans yes? (Or equity backed??), and because its backed by my own equity its a low interest rate (i believe she said 1.something %)... and so as long as the money i borrow(opm) is growing at %s greater than interest, this is arbitrage, right? Ive heard profit from debt isnt taxed because its not income... is this true? (Also thank you, because im that guy rn with a 10k account and would most definitely take that 7.5 ahahaha, good question toby)
Here is a really stupid question: at zero percent interest loan, how does the lender earn anything on the money they loaned? Nobody would lend money when they can't make any money off of it, or am I wrong?
No stupid questions! In this instance, yes you are right - a zero percent loan doesn't benefit a lender financially as they give a lump sum and receive that same amount back. Often these types of loans are used between entities controlled by the same individual or entity.
Do you work with the just starting out investor. I love in Oregon. I bought a house about 5 mos in KCMO ( I plan on moving back). I have 24, 000 in savings. I'm receiving another 25,000 from an insurance my ex husband had for me. I'd like to buy another home. I'm thinking of paying off my credit cards and car. My credit score is in the 700's.
Have questions about this video? Sign up for a free consultation to get your questions answered by professionals. aba.link/036531
This is the best infinity investment video that I have seen this far
Learn more about Geal Talbert 👇
advisors.ubs.com/geal.talbert/
advisors.ubs.com/successiongroup/
Contact Dan Ollman 👇
Executive Manager-Anderson Funding Community
(800) 706-4741 x 270
Questions: funding@andersonadvisors.com
1 on 1 Consultation: calendly.com/anderson-funding-community/
That those links to do not work . Maybe she moved on or something did not copy correctly when you posted it . Just a heads up Toby
You could also just use a properly structured, dividend-paying whole life insurance policy from a mutual life insurance company whose cash values are guaranteed to grow over time. You would just borrow against the cash value through a policy loan from the insurance company. There are no required monthly payments (you pay it back when you want or not at all, although you really should) and no margin calls because your cash value is guaranteed to grow every single month and will likely earn dividends every single year. You would then use those dividends to purchase more life insurance within the policy so that you would earn even more dividends the next year. This leads to an exponential compound growth curve which gives you more cash value against which you can borrow. There is no credit check to take out a policy loan and the insurance company cannot deny you for the loan as it is a contractual right of the policyholder to take out a policy loan.
Yes, I do this right now with my whole life policy. It’s called a IBLOC. Very effective.
2% a year gain, plus high fees, make these not as effective. At least the policies I have read through.
Yes much better way to finance it over the loan against securities
@@marcsegien3544 I've never heard of an "IBLOC". I'm just talking about policy loans from an IBC policy. No one calls it an "infinite banking line of credit" because that isn't a thing.
@@kylespeaks7401 I'm not sure what fees you're talking about. You have less cash value growth in the first year to pay the agent's commissions. After that, your cash value grows much faster, and continues to accelerate over time. There are no real "fees". Maybe you're thinking of universal life policies or something?
Also, 2% a year gain is not at all accurate. Usually it's at least a 4% gain if not more, but the growth compounds without interruption because you can access the cash value through a policy loan instead of by taking the money out directly. If you understand how compound interest works, this is desirable.
Also, since you're able to access the cash value through a policy loan, then the percentage of gain doesn't really matter because you can still invest in whatever else you want to. You're not choosing either a whole life policy OR to buy real estate, for example. You buy the whole life policy first, then borrow against it to buy the real estate. IBC is just a way to store capital in a place where it's guaranteed to grow tax-free and where it can be accessed tax-free at any time.
Great info, but as someone with a very REIT heavy portfolio, I wish she would have elaborated on why it can’t be REITS… FRT for example is a dividend King and a REIT, that’s pretty safe to me… why can’t you borrow against it? You could make a separate video on just the qualifications, such as what stocks in your portfolio are acceptable.
Thats a good question. REIT's are private sector Trust, not all but most. FRT is public so i dont see why not. Most Trust are not public traded entity's such as FRT or Equity's (that IPO'd). Any private contracts or agreements cant be borrowed against as of yet. I do see in the near future, ppl being able to do so via "tokenization" (which will be an option for all structures soon, public & private). My guess is due to the private sector matter involved w/ most REIT's is why its not possible (SBLOC)
Toby, what about the saying sell high buy low? I'm specifically talking about real estate. I sold 3 properties in Las Vegas to buy more during the down market or possible recession.
Such great information here. Wish I would have learned all this years ago
Excellent resource! Definitely pushing this out to all of my clients! Thank you for bringing together so many experts for this video (echoing your own words at time stamp 40:07 in the video, their wisdom share really hit home for me). All of your videos are flawless! Keep 'em coming!!!
Thank you, thank you! Your words are precious to us and we are grateful our work helps you!
Wow!
I thought that some of the other videos that I've seen before where the best I've ever seen BUT THIS NOW has taking the crown for the best video you put out.
(QUESTION)
In the changing global economy into fedcoin and other changes coming in the world regarding ESG How would The Lending landscape change? What would it look like?)
I'm definitely going to keep you in mind and use you in the very very near future thank you again sir blessings to you and your family.
Thanks so much all of you!
Thank you too!
Incredible video! This was jam-packed with revelations. I'm definitely saving this vid.
Please do! We hope that you consider sharing it too! Thank you for taking the time to watch our content.
Very interesting video , it had my gears turning on what my next moves will be
I’ve been trying to show this to my people.
Extremely informative thank you so much
Great video, Toby - learned a lot.
I wonder how the dramatic rise in interest rates has affected the availability of the credit options you discuss with these expert guests or the feasablity of these strategies?
Is there any lending option using physical gold as collateral?
This is exactly what I’m dealing with now, up here in upstate ny, trying to get equity loan on my apartment bldg for improvements
Can you borrow if your portfolio holdings are on margin?
You should check with your financial institution to confirm, but generally no, you would not be able to borrow from your portfolio holdings if they are on margin. Margin accounts are typically accounts where your broker-dealer, or financial institution, use your account as collateral to purchase those securities. Because of this arrangement, you generally would not be able to borrow.
What if a person do not have securities or stock? Thanks!
Hi Toby,
Your content is second to none!
Quick question: If I borrow private money and issue a promissory note for the sake of retail investing through my individual brokerage account, do I need to business license in Nevada ie a sole proprietorship?
Great question, to assist you further, I highly recommend you request a free 45-minute consultation to discuss this with my team so we can provide you with an answer that is unique to your situation. Visit: aba.link/036531
Question: Is there any way to use my IRA for SBLOC? I'm about to approach 59.5 years old.
Mind thoroughly BLOWN!!!
Does a HELOC provide any additional benefit such as tax benefits?
It depends on what you mean in regards to tax benefits. A HELOC is a great way to both access the equity that you may have in a property as well as implement an asset protection strategy known as "equity stripping" that makes that asset less appealing for a lawsuit. For tax purposes, the money they you have access to through a HELOC is a line of credit and is not taxable when you borrow as it is debt. There may be ways to use the HELOC as a deduction, but we would encourage you to discuss that with your tax professional as it will be case specific as to your situation and what you are using the money for.
I have trying to obtain a line of credit
Thank-you
Can you use this to buy a property and title as land trust?
Absolutely, though whether you would want to do so will depend on a lot of specific factors. We recommend having a discussion with one of our senior advisors to discuss your particular details.
I bought and created paper while in the Real estate business.. Mostly borrowed from banks. I now live in Peru and the banks are useless.
20 percent.. I'm hoping to Learn something new here. Thanx
Hi Toby, outstanding information !!!This change my life and my financials plan :)Thank you so much .
I I/o
Who can open an account with you? Can they be a resident of District of Columbia?
We do serve the DC area so if you are interested, let us know 😁
What happens if I borrowed 100k from one of these lenders to pay myself at the beginning of the year through my llc and then used my llc to make the payments each month for the year . It's expected that I would pay it off within 11 months full amount. What scenario positive or negative would that be if I am a general contractor? Is there a better way ? Also if this is a private loan , there's no potential to earn credit score increases right ?
Hi JJ, thank you for leaving your comment. You can request a free 45-minute consultation to discuss our proven asset protection and tax strategies and how they apply to your unique situation. You can get set up here ----------> aba.link/tobyss
How to quality private Noteholders who may be source of loans?
Very nice resources in this video! Would Dan's business funding option work with an LLC?
What is typical process to set up what you describe?
Anderson has services assisting in setting up certain business entities designed to aid among other things also with the lender qualifications. We also do offer services facilitating the funding community that can assist in obtaining certain loans and lines of credit for your business.
Do they use crypto for
Collateral like BTC?
Hi Toby, Toby You mention that you would post both their contact information. Where do we find it?
We have our guests information in the description.
hey. The link for Geal Talbert doesn't work. Please advise.
Thank you for bringing this to our attention, we will be sure to update these links soon.
Hi.
What about Gold bars. Can people barrow money off of there physical Gold to buy property?
Great question! That will depend more on the individual lender, but theoretically yes so long as the lender is able to see and secure the physical gold to their satisfaction, that could be used as capital for a secured loan.
Thanks for this video! Is that service available for people in New Zealand?
Thank you but we are not versed in the laws of New Zealand.
Im new to OPM and Arbitrage, aand this is extremely helpful to me TYSM! 👾💙👾
These are called security backed loans yes? (Or equity backed??), and because its backed by my own equity its a low interest rate (i believe she said 1.something %)... and so as long as the money i borrow(opm) is growing at %s greater than interest, this is arbitrage, right? Ive heard profit from debt isnt taxed because its not income... is this true?
(Also thank you, because im that guy rn with a 10k account and would most definitely take that 7.5 ahahaha, good question toby)
thank you!
Can you leave their contact info in the comments? Thanks!
sure thing
Can you leave their contact information please, Thank you
Here is a really stupid question: at zero percent interest loan, how does the lender earn anything on the money they loaned? Nobody would lend money when they can't make any money off of it, or am I wrong?
No stupid questions! In this instance, yes you are right - a zero percent loan doesn't benefit a lender financially as they give a lump sum and receive that same amount back. Often these types of loans are used between entities controlled by the same individual or entity.
thank you
Thank you for watching!
Awesome. Thank you.
Glad you liked it! Thank you for watching!
Awesome useful
What are their informations?
Sorry, but can you rephrase the question?
@@TobyMathis Questions: What are their informations and how they will be hold of them in regards to “HOW TO FIND PRIVATE MONEY LENDERS”?
Do you work with the just starting out investor. I love in Oregon. I bought a house about 5 mos in KCMO ( I plan on moving back). I have 24, 000 in savings. I'm receiving another 25,000 from an insurance my ex husband had for me. I'd like to buy another home. I'm thinking of paying off my credit cards and car. My credit score is in the 700's.
We sure do, are you interested in applying for our services?
Great video! Bump for algo
Thanks! 👍
Portoflio line of credit or "margin loan" = M1 or Frec. Cant invest in securities.
Securities backed line of credit = cannot invest in securities.
115 today 🥵☀️
🤯
I am CEO of New Frontiers company ltd and registered company in Ghana, i am applying for funding for $ 1,000000.00 for real estate business in Ghana
can you post the contact info for Geal Talbert
We have several links in the description that can be used
I was informed she no longer works for UBS? Can you update contact info for Geal?