Declare Your Financial Independence!

While we are in the spirit of our country’s independence, it’s time for Americans to take control of their finances and declare their financial independence!

Our Federal Government has proven to be a poor steward of our money. Obviously the politicians are not concerned about our country’s mushrooming debt, and given their poor track record financial responsibility, we must take responsibility for our own financial well being.

We have been told that Uncle Sam will take care of us at retirement with Social Security and Medicare, these systems are past broken. According to a recent blog on Heritage.Org’s website, currently the unfunded debt for these programs is upwards of $60 TRILLION! These programs are nothing more than Ponzi schemes cleverly disguised as social programs, ironically with NO SECURITY.

Just as Founding Fathers broke free from the establishment when creating our Declaration of Independence, we must break free from these chains of bondage. What we need is a system for finance based on self-reliance and independence! Start your own financial revolution by taking control of your finances.

When you look at our current system for saving and accumulating wealth, it is weighted heavily towards the financial institutions. Our educational system, our accounting system and the financial advisors, are all dependent on the government and these financial institutions. We are held captive by the cartel of mega-banks, as described by G. Edward Griffin in his now widely accepted book, The Creature from Jekyll Island A Second Look at The Federal Reserve.

As I write this, President Obama is asking Congress to raise the debt ceiling, increase government spending and increase taxes to supposedly stimulate the economy. This is exactly what got our country in the mess that it’s in. The only way to stimulate the economy is STOP SPENDING money they do not have. Only then can we lower taxes and decrease inflation.

In our personal lives we understand that spending money we do not have by utilizing credit lines and credit cards creates debt. We also understand that bad credit, bankruptcy and foreclosures are real, so in order to avoid these pitfalls, financial independence is crucial.

Yet, we fall victim to the promises of the politicians to win our votes and create more laws. They dangle “free” money, college loans, mortgages and low interest credit to us like carrots. Student loan debt has now surpassed credit card debts as personal debt increases and college graduates can not get a job.

FIRE, as it is respectfully called for, Finance, Insurance and Real Estate industry, has imploded. Middle-aged men have lost their careers and may never work again. The economies of those involved, according to the FIRE-economy website, Commercial banks, savings & loans, credit unions, finance/credit companies, securities & investment, venture capital, hedge funds, private equity & investment firms, insurance real estate, mortgage bankers, and brokers accountants

All of these involved have been propped up by government programs like Fannie Mae and Freddie Mac. Now the American Dream has become the American Nightmare! The Federal Government has poured $317 Billion into Fannie and Freddie according to  Billions more of taxpayer dollars have gone to bailout mega-banks and financial institutions including AIG, Bank of America, Citigroup, Wells Fargo, Goldman Sachs, Morgan Stanley, General Motors, and the list goes on…

Now comes along Helicopter Ben and he’s dropping money from the sky to save the world. Quantitative Easing has cost Americans BILLIONS! Businessweek found it necessary to poke fun at Fed Chairman Bernanke.

Ben Bernanke helicopter

Helicopter Ben as dubbed in Businessweek

So, you understand our nation is in trouble. The question is, do you want to do something about it? If you do nothing, then you can watch your wealth erode away to taxes and inflation. You will be a slave to government mandated programs and the financial institutions that hold the purse strings. It doesn’t matter if you pay cash or finance, in the words of Nelson Nash, “You finance everything that you buy.”

As stewards of our finances we must learn to take control of our personal economy, therefore ridding ourselves of government dependence. The idea of “retirement” is actually a government term that perpetuates dependency. Sadly, most employees will never have enough to support this dream of retirement that has been sold to them.

While true unemployment numbers hover around 20%, millions continue looking for jobs while trades and crafts are available in their backyard. And, the internet has given us markets never imagined before.

As governments collapse across the globe, history is repeating itself and prophecy is being fulfilled. As talks continue towards a world currency and taxes on the “rich”, our Congress refuses to balance the budget and stop their reckless spending. Financial markets have crashed before, and they will crash again…Yet, Americans still follow the financial advice of radio hosts who tell them to max out their 401k contributions. Already identified as targets by your friends in congress, these ticking time-bombs have never recovered from recent crashes.

What is a family to do? Whatever happens, you can protect your family name and legacy by controlling your finances today. This erosion does not have to affect you in the drastic ways that it sadly will affect most families.

Our system of earning, saving and investing money simply is broken. It relies way too heavily on the tag team of government and mega-banks and financial institutions, and way too little on the self-reliance and individualism that made our nation great!

You can create your own financial independence and take control of your money. Declare your freedom and make the remainder of 2011 as important as our country’s revolution in 1776.

Join hundreds of thousands of Americans who have declared they’ve had ENOUGH! Rid yourself of the slavery of the financial institutions. Discover the Infinite Banking Concept™ in the bestselling book, Becoming Your Own Banker

Or get started today by requesting a FREE, No Obligation analysis of your financial picture

Protect yourself from the onslaught of attacks coming to you by the U.S. Government and Mega-Banks.
Fight Tyranny by starting your own Financial Revolution and Declare Your Financial Independence!

“What at first was plunder assumed the softer name of tax revenue.”
~Thomas Paine

“Certainty? In this world nothing is certain but death and taxes.”
~Benjamin Franklin

Tu Ne Cede Malis, (Latin: Do not give in to evil but proceed ever more boldly against it)
~Ludwig von Mises

Declaring your Financial Independence will reward you with freedoms like none before, it is an act of patriotism. Now is the time to act with confidence and courage just as our forefathers did when they signed the Declaration of Independence FREE Yourself from Bondage – Request ar financial review

Until next time,
Barry Page, RFC

Barry Page is recognized as a leading expert on life insurance and private banking. He is a Registered Financial Consultant and independent life insurance agent who helps clients with tax advantaged investment alternatives. He specializes in showing families how to protect their assets, income and lives utilizing a macro-financial approach to planning.

He has created a service that caters to families and business owners that are frustrated with the risks involved with the stock market, but still want competitive returns. His specialized knowledge and services help consumers find alternatives to traditional investing and the stock market that not only safely protect their savings, but also provide tax advantages.

His business is based in Ocean Springs, MS and he services clients throughout the Southeast. He can be reached here:

Another Day, Another Worthless Dollar

Another Day, Another Worthless Dollar

While most Americans are struggling to survive right now, the FAT CATs in Washington are busy spending our money. It never ceases to amaze me how few people really understand what’s going on with our government.

I was just watching a little news while I enjoyed my frozen dinner (saving $), and a popular talk show host was commenting on the economy… PLEASE! Get a clue! Why do Americans put so much trust in the media? They invite so called financial analysts on the talk shows and ask them “tough questions” about our country’s financial mess.

An article posted on U.S.News and World Report today was “How to Tell if You Have a Good 401(k) Plan” If we can’t figure this one out, we’re in a heap of trouble… The article touted good points such as getting a generous match by your employer, short wait times to get started, vesting and fees. Duh!!!

The article mentioned nothing about how Uncle Sam ultimately controls the 401(k) and how he can change the rules at his discretion. Or that ordinary citizens have lost Trillions in the market over the past several years. Or that the whole tax deferral hype is a bunch of CRAP!

For many people the 401(k) certainly offers them a way to save money. And, if you get a match, why not contribute up to that point, but not a penny more. But, if you have to risk your life savings in a volatile market with no guarantees… that’s more than dangerous, it’s insanity.

Why am I so tough on qualified retirement plans? Because I’ve seen families lose their entire life savings. And, I don’t trust the government with the purse strings.

So, what’s a person to do? Take control of your money, NOW! There’s no other way to put it, take your money and run. I’m no market analyst and I don’t have a crystal ball, but the writing is on the wall. The government is broke and they want your money. The stock market is as uncertain as it gets. So I’ll ask you, why would you put your money in a 401(k)? If you know anyone who has ever gotten wealthy because of their 401(k), I’d like to meet them.

Recently, I attended the “Night of Clarity” in Nashville, Tennessee. This was a seminar about Austrian Economics and Privatized Banking. The event boasted an impressive list of Austrian Economists including Tom E. Woods, PhD, resident scholar at the Mises Institute and the author of the recent New York Times best-seller Meltdown; Paul A. Cleveland, PhD, adjunct scholar at the Mises Institute, Professor of Economics at Birmingham Southern College and author of several books; Tom DiLorenzo, Professor of Economics at Loyola College in Baltimore, MD, Senior Fellow at the Ludwig von Mises Institute; Robert M. Ebeling, PhD, Professor of Economics at Northwood University, past president of Foundation for Economic Education, and the Ludwig von Mises Professor of Economics at Hillsdale College; R. Nelson Nash, creator of the Infinite Banking Concept and author of the best-selling book, Becoming Your Own Banker; and the authors of the new book How Privatized Banking Really Works, Robert P. Murphy, PhD, Economist and adjunct scholar at the Mises Institute and L. Carlos Lara.

Robert Murphy, PhD and Barry Page, RFC in Nashville

In my humble opinion, EVERY AMERICAN should read the book, How Privatized Banking Really Works. This book will open your eyes to the LIES that have been forced on our country by the government. It will shed light on the Federal Reserve and our banking system. The book is easy to understand and offers references and documentation to all of the subject matter it covers. The best part is that if offers the solution to our monetary problems.

Once we understand the problem inherent in our current system, we can work towards solving the problem. In 1913, with the 16th Amendment, our government created the federal income tax, and later that year the Federal Reserve or central bank. This is suspicious all to itself, but we must understand that the power of these two entities is absolute. They control the money!

But, that’s not enough… Politicians are spending your money like it’s going out of style.. it is! Our dollars have become worthless because they are no longer backed by gold. The Fed is printing worthless dollars!

How can we change this picture? In their book, Lara and Murphy outline how we can take the power back in three easy steps:
1. Sound Money – link outstanding dollars to Gold. Inflation goes away.
2. Private Banking – the government monopoly will then be abolished.
3. Close the Central Bank – the size and expense of government and taxes decrease while business increases.

It couldn’t get much simpler than that. I hope you’ll take the time to further your knowledge of banking and money by reading this book. You may also want to visit to learn why Austrian Economics is superior to Keynesian Economics.

Until next time,

Barry Page, RFC is recognized as a leading expert on life insurance and private banking. He is a Registered Financial Consultant and independent life insurance agent who helps clients with tax advantaged investment alternatives. He specializes in showing families how to protect their assets, income and lives utilizing a macro-financial approach to planning.

He has created a service that caters to families and business owners that are frustrated with the risks involved with the stock market, but still want competitive returns. His specialized knowledge and services help consumers find alternatives to traditional investing and the stock market that not only safely protects their savings, but also provide tax advantages.
His business is based in Ocean Springs, Mississippi and he services clients throughout the Southeast. He can be reached here:

Austrian Economics and Private Banking

Hundreds showed up in downtown Nashville to listen to scholars of Austrian Economics and practicioners of Private Banking discuss the economy and finance…. BORING! No Way! 


Robert P. Murphy, PhD and R. Barry Page, FRC share a laugh in Nashville.


Robert P. Murphy, PHD, was on hand. He is the author of several books including Capitalism, The Great Depression and The New Deal, study guides to Ludwig von Mises’ Human Action and Murray Rothbard’s Man, Economy and State, as well as co-author of How Privatized Banking Really Works, which was released at the event.

Thomas E. Woods, PhD and R. Barry Page, FRC


Taking a break from his busy schedule, Thomas E. Woods, PhD, resident scholar at the Mises Institute, and the author of the recent New York Times best-seller Meltdown, was on hand sharing his metaphors and Austrian philosophy. Woods new book, Nullification was just released.   

What is Private Banking and what does it have to do with Austrian Economics?   

R. Nelson Nash’s Infinite Banking Concept™ is publicly recognized as one of the most creative financial strategies of this Century and is anchored solidly in Austrian Economics.   

Infinite Banking teaches the process of using your current flow of finances versus consumption of money, for integrating protection and wealth accumulation enabling one to enhance their assets without creating additional liabilities.   

Austrian Economics observes the existence of economic law, inexorable forces of cause and effect that operate very much as other natural laws. It recognizes the laws of supply and demand, the cause of inflation, the operation of foreign exchange rates, and the subjective nature of economic value. Scholars are advocates of property rights and the freedom to contract and trade. It celebrates the contribution of business to society, while doggedly opposing taxes, price controls, and regulations that inhibited enterprise.   

Infinite Banking embraces the Austrian Economists view of economic law by providing you an opportunity to escape conventional thinking and free yourself from financial slavery. Becoming Your Own Banker is not a tax-qualified idea of any sort. The Income Tax Law, as we know it today, has only been around since 1913.  Life insurance has been around for over 200 years and is not a creature of any tax code.  It is nothing more than like-minded people contracting with one another to solve a financial problem.   

On the other end of the spectrum is Keynesian Economics and the Federal Reserve. The Fed and Keynesians think we can spend our way out of the mess we’re in. They are content with businesses being destroyed and government dependency. Completely contradictory to the free enterprise, small government libertarian viewpoint.   

Bill Dudley, from the NY Fed, recently came out saying that the recovery is a “bit less than expected”! The Fed will continue to spend the publics’ money as it creates money out of thin air furthering our economic problems. At least there was some positive news from the Fed, Bernanke said that extending the Bush Tax Cuts would help maintain stimulus in the economy.   

Currently, the Bush tax cuts will expire for 2011. Here’s what will happen if Congress does not intervine. As it stands now, the marginal tax brackets will expire at the end of 2010. There will be no 10% bracket for 2011, the remaining brackets will return to the original 2001 levels ( 15%, 28%, 31%, 36%, and 39.6%).   

As far long-term capital gain tax rates, in 2010, if you sell shares of stock that you’ve held for more than a year, the gain is long-term capital gain, generally taxed at the maximum rate of 15%. If you’re in the 10% or the 15% marginal income tax bracket, however, you will pay no federal tax on the long-term gain (0% rate applies). So, if you’re a married couple filing jointly, your taxable income is $68,000 or less, you’ll pay no federal tax on the gain.   

Absent any new legislation, in 2011, a 20% rate will generally apply to long-term capital gains. Those in the 15% tax bracket (no 10% bracket in 2011) will pay the tax at a rate of 10%. Special rules may apply for qualifying property held for five years or more.   

Qualifying dividends are taxed in 2010 using the same capital gain tax rates as described above, in 2011 they’ll be taxed as ordinary income.    

The choice is yours… You can follow the socialist viewpoint and build your life around liberal laws and government control or you can educate yourself, practice sound money principles and leave a legacy for your heirs.   

It should be an easy choice,
Barry Page, RFC   

Barry Page is recognized as a leading expert on life insurance and private banking. He is a Registered Financial Consultant and independent life insurance agent who helps clients with tax advantaged investment alternatives. He specializes in showing families how to create system of finance and banking to leave as a Legacy. His practice utilizes the Austrian Economics approach to money and markets.   

His practice is based in Ocean Springs, MS and he services clients throughout the Southeast. He can be reached here:   

Privatized Banking

Privatized Banking Will Set You FREE!

The Golden Rule – “Those who have the Gold make the rules.”

This corrupted twist on the biblical principle that we learned as children holds true today. Unfortunately, most Americans are not saving and thus have become slaves to financial institutions and the government. Even those who are saving have been misled into believing falsehoods about their money.

When we depend on others to provide capital to sustain our lifestyles we all suffer. The consequences of doing so carry a very high cost, and reflect on our entire nation. If we want to overcome this unneccessary burden of dependency, we must learn to control our finances.

Absolute power resides with those who control the money.  Privatized banking is a way to shift the way your money flows, putting you in control. We can not expect to understand how private banking works, or how to capitalize on it, until we realize that our current Federal Reserve policy is designed to plunder ordinary citizens.

In 1913, our Federal Reserve System was formed with the passing of the 16th Amendment. Ironically, our current system of taxation and the IRS were formed the same year This alone should make yoususpicious. You can see a copy of the original 1040 here: .

This system that we live under causes inflation, robs those who create wealth through taxation without recourse, discourages savings, punishes investing, causes bank failures, and creates economic programs that promote welfare.

Now our country is on the verge of collapse because of the federal government seizure of power through centralized banking. More importantly, our freedom as a nation is at risk, and we must regain control now!

By returning money to the competitive, private sector we can recapture our freedom and create consistency in an uncertain world. Learning how to privatize your banking will give you confidence, and allow you to free yourself from financial slavery. 

The Infinite Banking Concept™, created by R. Nelson Nash, teaches you how to control your money and create wealth without having to depend on financial institutions and the government. All of the details for creating your own system of finance are laid-out in the best-selling book, Becoming Your Own Banker™, available here:

You can learn more about the Federal Reserve and fractional reserve lending here:

I encourage you to educate yourself by reading books on the subject. One such book is The Creature from Jekyll Island, available here:

The time to act is now, before we lose our freedom as a nation. Take control of your finances and create your own privatized banking system. Your future and your family’s future depend on it.

Until next time,
Barry Page, RFC
Infinite Banking Coach

Barry Page is a registered financial consultant and licensed insurance agent.  He teaches families how to create wealth by taking control of their finances and creating their own privatized banking system. His office is located in Ocean Springs, MS and he can be reached via the web at