EricArruda

Becoming your own banker! Who is this for? No brainer for: Any Libertarian/Conservative Anyone concerned with Government Spending Anyone concerned with Fractional Reserve Banking Anyone concerned with Higher taxes in the future or estate tax as a result of Deemed Disposition Rule Anyone who invests in Real Estate Anyone who is a Business Owner Anyone who what’s to leaver Inter-Generational Wealth EVERYONE should do this. The Problem: In short, the typical Canadian household’s disposable income is absorbed each month by interest payments to outsiders (commercial Banks). The rate of return they earn on their “investments” is trivial because 70-80% of their income is going to Interest (30-40% of a mortgage payment is typically interest) and Taxes (42.5 per cent is what the average person pays). Secondly on a macro level, central banks, uncontrolled government spending, inflation due to money printing, fractional reserve banking only raise the cost of living, and create massive ‘Boom’ and ‘Bust’ cycles. The Solution: Privatized banking via the Infinite Banking Concept Read "How Privatized Banking Really Works" - https://infinitebanking.org/ Eric Arruda Arruda & Associates Inc Mortgages | Bookkeeping | Insurance | Real Estate | Acquisition Entrepreneur Follow me on Nostr: EricaArruda.com My personal support team includes: Maryam Eshagh | Account Manager Jerome Christensen |Team Leader Scott Cordier, CFP, CLU, CCS | Advisor Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #EconomicIndependence #CashFlow

Should you get a 15 year mortgage or a 30 year mortgage? If you care about your financial future then watch the video. Don't suffer from arrival syndrome - you think you know everything there is to know already and you are doing everything right. You might be able to keep over 100k that you would have otherwise transferred away from your family. You mindset determines your wealth. Keep an open mind. Eric Arruda Arruda & Associates Inc Mortgages | Bookkeeping | Insurance | Real Estate | Acquisition Entrepreneur Follow me on Nostr: EricaArruda.com My personal support team includes: Maryam Eshagh | Account Manager Jerome Christensen |Team Leader Scott Cordier, CFP, CLU, CCS | Advisor Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #EconomicIndependence #CashFlow

ou probably feel underserved by the Government, well there is a solution and its not waiting until the next federal Election to only be disappointed that more Canadians don't think or feel the same way you do. You need to opt-out of the system on a micro level. Macro changes are not going to happen. I want you to gain back control of your money, because right now, all the big banks and institutions are the ones who are really in control of your money and they use it to make more money whereas YOU can be doing that! Conventional wisdom and education about money leaves out key information, which has been used by banks and the wealthy for generations. Precisely that is what I aim to correct, the common misconceptions that people have about money. There are key financial principles that are taught consistently, such as: put your money into a savings account and invest in a retirement fund. However today, the return on such moves is not what it once was and there are better ways to use your money rather than leaving it in your checking or savings account. Rediscover the power of money and what it can truly do for you. ➣ Take control of your financial world without using your credit ➣ Recapture the interest that you pay to banks and finance companies for the major items that you need during a lifetime ➣ Creating your own banking system using participating dividend-paying life insurance ➣ Use available savings and cash flow to build your own “bank.” ➣ Capitalize and establish your plan. ➣ Use IBC to finance your automobile purchases and even to finance your home. ➣ Expand your system to accommodate all income through a system of banks to increase your personal wealth. ➣ Use the concept in your business for overhead and things like equipment financing. Eric Arruda Arruda & Associates Inc Mortgages | Bookkeeping | Insurance | Real Estate | Acquisition Entrepreneur Follow me on Nostr: EricaArruda.com My personal support team includes: Maryam Eshagh | Account Manager Jerome Christensen |Team Leader Scott Cordier, CFP, CLU, CCS | Advisor Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #EconomicIndependence #CashFlow

The rich and the poor operate differently. the Poor earn then spend. The Rich earn, invest, borrow and spend never losing control of the the money flowing towards their family. Eric Arruda Arruda & Associates Inc Mortgages | Bookkeeping | Insurance | Real Estate | Acquisition Entrepreneur Follow me on Nostr: EricaArruda.com My personal support team includes: Maryam Eshagh | Account Manager Jerome Christensen |Team Leader Scott Cordier, CFP, CLU, CCS | Advisor Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #EconomicIndependence #CashFlow

Infinite Banking is a concept that involves using a specially-designed whole life insurance policy as a financial tool to create a personal banking system. The idea behind Infinite Banking is that by becoming your own bank, you can control your own finances and achieve financial independence. Here's how it works: 1. Purchase a whole life insurance policy: To get started with Infinite Banking, you'll need to purchase a specially-designed whole life insurance policy from a mutual insurance company. This policy will be used as your personal banking system. 2. Build up cash value: As you make premium payments on your whole life insurance policy, it will accumulate cash value. This cash value can be borrowed against, just like a bank loan. 3. Borrow against the policy: When you need to make a purchase or an investment, you can borrow against the cash value of your whole life insurance policy. The loan will be collateralized by the cash value of the policy, and you'll pay interest on the loan. 4. Repay the loan: You'll need to repay the loan, just like any other bank loan. When you repay the loan, the cash value of your policy will be restored, and you can borrow against it again in the future. The idea behind Infinite Banking is that by becoming your own banker, you can control your own finances and avoid the fees and restrictions that come with traditional banking. It also allows you to earn interest on your own money, rather than paying interest to a bank. In addition, because the whole life insurance policy is a tax-advantaged investment vehicle, it can provide tax benefits as well. Eric Arruda Arruda & Associates Inc Mortgages | Bookkeeping | Insurance | Real Estate | Acquisition Entrepreneur Follow me on Nostr: EricaArruda.com My personal support team includes: Maryam Eshagh | Account Manager Jerome Christensen |Team Leader Scott Cordier, CFP, CLU, CCS | Advisor Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #EconomicIndependence #CashFlow

Infinite Banking is a concept that involves using a specially-designed whole life insurance policy as a financial tool to create a personal banking system. The idea behind Infinite Banking is that by becoming your own bank, you can control your own finances and achieve financial independence. Here's how it works: 1. Purchase a whole life insurance policy: To get started with Infinite Banking, you'll need to purchase a specially-designed whole life insurance policy from a mutual insurance company. This policy will be used as your personal banking system. 2. Build up cash value: As you make premium payments on your whole life insurance policy, it will accumulate cash value. This cash value can be borrowed against, just like a bank loan. 3. Borrow against the policy: When you need to make a purchase or an investment, you can borrow against the cash value of your whole life insurance policy. The loan will be collateralized by the cash value of the policy, and you'll pay interest on the loan. 4. Repay the loan: You'll need to repay the loan, just like any other bank loan. When you repay the loan, the cash value of your policy will be restored, and you can borrow against it again in the future. The idea behind Infinite Banking is that by becoming your own banker, you can control your own finances and avoid the fees and restrictions that come with traditional banking. It also allows you to earn interest on your own money, rather than paying interest to a bank. In addition, because the whole life insurance policy is a tax-advantaged investment vehicle, it can provide tax benefits as well. Eric Arruda Arruda & Associates Inc Mortgages | Bookkeeping | Insurance | Real Estate | Acquisition Entrepreneur Follow me on Nostr: EricaArruda.com My personal support team includes: Maryam Eshagh | Account Manager Jerome Christensen |Team Leader Scott Cordier, CFP, CLU, CCS | Advisor Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #EconomicIndependence #CashFlow

Luke Gromen - FFTT, LLC Shared February 21, 2023 Stay connected by joining our weekly updates at fftt-llc.com/

How to Send and Receive Bitcoin - short tutorial

My rough inflation predictions for 2023. NOV - 6.7% DEC - 7.1% JAN - 6.3% FEB - 5.4% MAR - 4.1% APR - 3.7% MAY - 2.4% JUN - 2% This is taking the last 3-4 month inflation growth and projecting forward to June. Watch the video for all the analysis. ► Subscribe to my channel here: https://bit.ly/317tOQM Follow Me Online Here: Twitter: @EricArruda4 Fund your account and get $20 in your Bull Bitcoin Account when you use this referral code: https://bullbitcoin.com/signup?referralcode=349541558169557125732369452665486291418762 Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #InfiniteBankingConcept #IBC #Bitcoin #Interest #Taxes #RealEstate #CashFlow #Inflation Disclaimer: Do your own research before buying bitcoin.

The Federal Bank is saying rates are going up but the market, which is not incentivized in gaslighting you, does not think so. The Bond Market thinks rates are coming down. Investors are buying bonds to protect themselves. The Fed is trying to tell us rates are going up to 5.1%. If you want real-time inflation numbers check out TruFlation - https://app.truflation.com/ Bitcoin price is in the news again and people always ask about price and not the moral reason to buy bitcoin. Well it is projected to go to 1.3 million by 2032. How do you like them apples. Watch the video for all the analysis. Link: https://www.blockchaincenter.net/en/bitcoin-rainbow-chart/ ► Subscribe to my channel here: https://bit.ly/317tOQM Follow Me Online Here: Twitter: @EricArruda4 Fund your account and get $20 in your Bull Bitcoin Account when you use this referral code—> https://bullbitcoin.com/signup?referralcode=349541558169557125732369452665486291418762 Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #InfiniteBankingConcept #IBC #Bitcoin #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #CashFlow #Inflation Disclaimer: Do your own research before buying bitcoin.

Starting $ $100.00 Fee % 3.00% Transactions Spent Merchant Fee 1 $100.00 $97.00 $3.00 2 $97.00 $94.09 $2.91 3 $94.09 $91.27 $2.82 4 $91.27 $88.53 $2.74 … 29 $42.62 $41.34 $1.28 30 $41.34 $40.10 $1.24 Total Fee $59.90 $100 becomes $40 after 30 transactions. Watch the video for all the analysis. ► Subscribe to my channel here: https://bit.ly/317tOQM I am a Mortgage Agent, Licensed Real Estate Agent and Insurance agent that specializes Infinite Banking Concept and Mortgage Planning. I help create wealth through real estate and more broadly offer an alternative voice to financial planning and wealth creation. Follow Me Online Here: Twitter: @EricArruda4 Facebook: www.facebook.com/EricArrudaRE Office: 519-589-8177 Email: eric@ericarruda.com Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #InfiniteBankingConcept #IBC #Bitcoin #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #CashFlow #Inflation Disclaimer: Do your own research before buying bitcoin.

The Bank of Canada raised the target for its overnight rate by 50bps to 4.25%. Next meeting is Jan 25th, 2023 and it’s unlikely they raise rates again. 5 Year bond rates touched 2.93% which means 5 year fixed mortgages will likely follow that down. Watch the video for all the analysis. Follow me on Twitter: @EricArruda4 ► Subscribe to my channel here: https://bit.ly/317tOQM I am a Mortgage Agent, Licensed Real Estate Agent and Insurance agent that specializes Infinite Banking Concept and Mortgage Planning. I help create wealth through real estate and more broadly offer an alternative voice to financial planning and wealth creation. Follow Me Online Here: Twitter: @EricArruda4 Facebook: www.facebook.com/EricArrudaRE Office: 519-589-8177 Email: eric@ericarruda.com Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #InfiniteBankingConcept #IBC #Bitcoin #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #CashFlow #Inflation Disclaimer: Do your own research before buying bitcoin.

We are not out of the woods yet but it looks like bond yields could come down further which would benefit 5 year mortgage rates. Watch the video for all the analysis. Follow Me Online Here: Twitter: @EricArruda4 Email: eric@ericarruda.com ► Subscribe to my channel here: https://bit.ly/317tOQM I am a Mortgage Agent, Licensed Real Estate Agent and Insurance agent that specializes Infinite Banking Concept and Mortgage Planning. I help create wealth through real estate and more broadly offer an alternative voice to financial planning and wealth creation. Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #InfiniteBankingConcept #IBC #Bitcoin #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #CashFlow #Inflation Disclaimer: Do your own research before buying bitcoin.

CIBC, TD, BMO, RBC or Bank of Nova Scotia? They only have 3%-10% liquid reserves. If they fail. But don’t worry right because it’s backed by deposit insurance. You are again on the hook because Federal Deposit Insurance Corporation is a Crown Corp. Tax payor is on the hook. Insurance companies have over 100% Reserves and Manulife in this example has 138% reserves. Perhaps the safest bank is the bank you design using a Dividend paying, Whole life Participating Life insurance policy. You are Guaranteed never to have a negative return on your investments. Yes the Dividends are not guaranteed but your Cash Value NEVER goes down. Sources: https://www.manulife.com/content/dam/corporate/en/documents/investors/MFC_SIP_2022_Q3_EN.pdf https://www.manulife.com/content/dam/corporate/en/documents/investors/MFC_QRS_2019_Q4_EN.pdf https://insurance-portal.ca/article/canadian-insurance-industry-weathers-crisis-well-compared-to-foreign-counterparts/ https://www.thecanadianencyclopedia.ca/en/article/manulife-financial-corporation https://www.thecanadianencyclopedia.ca/en/article/recession-of-200809-in-canada https://www.cbc.ca/news/business/banks-got-114b-from-governments-during-recession-1.1145997 https://www.quora.com/Which-is-the-safest-Canadian-bank https://www.osfi-bsif.gc.ca/Eng/fi-if/rg-ro/gdn-ort/gl-ld/Pages/LICAT18_chpt1.aspx Watch the video for all the analysis. ► Subscribe to my channel here: https://bit.ly/317tOQM I am a Mortgage Agent, Licensed Real Estate Agent and Insurance agent that specializes Infinite Banking Concept and Mortgage Planning. I help create wealth through real estate and more broadly offer an alternative voice to financial planning and wealth creation. Follow Me Online Here: Twitter: @EricArruda4 Facebook: www.facebook.com/EricArrudaRE Office: 519-589-8177 Email: eric@ericarruda.com Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #InfiniteBankingConcept #IBC #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #EconomicIndependence #CashFlow Disclaimer: Do your own research before buying bitcoin.

Home Capital to be acquired by Smith Financial in $1.7-billion deal Stephen Smith, Smith Financial, has their hands in, First National Financial, Guaranty Mortgage Insurance Co., Fairstone Bank of Canada, and EQB Inc,. Canadian 5 Year Bond rates coming down, Oil is Down, German PPI is Down, Money Supply is down.. Can we see a pivot by the Central Banks? Sources: https://www.yahoo.com/now/home-capital-acquired-smith-financial-125141318.html?guccounter=1&guce_referrer=aHR0cHM6Ly9zZWFyY2guYnJhdmUuY29tLw&guce_referrer_sig=AQAAAALJaT3KD419OEUC6gMsxd3-7HWiz6InmZcVxG9r8u797afHpufBAtuBSvnS2qzPUZc9WGRn2h3O2BdcBM9NFCJunHN2vXSYxGr8apW1c_SXZrI0oqTFgKCkgX6mTbDPMgNCprJLzdJHHwcJ3XXul48x0kUpyH3ZqYbVlbAucIdy Watch the video for all the analysis. ► Subscribe to my channel here: https://bit.ly/317tOQM I am a Mortgage Agent, Licensed Real Estate Agent and Insurance agent that specializes Infinite Banking Concept and Mortgage Planning. I help create wealth through real estate and more broadly offer an alternative voice to financial planning and wealth creation. Follow Me Online Here: Twitter: @EricArruda4 Facebook: www.facebook.com/EricArrudaRE Office: 519-589-8177 Email: eric@ericarruda.com Mortgage Agent | Mortgage Alliance FSRA #:10530 License #:M18002077 Sales Representative Century 21 Regal Realty Inc., Brokerage Bridgeforce WCS London, MGA #InfiniteBankingConcept #IBC #Bitcoin #WealthMatters #MoneyTrees #HELOCStrategy #Interest #Taxes #RealEstate #CashFlow #Inflation Disclaimer: Do your own research before buying bitcoin.

Inflation is sold as necessary and the Bank of Canada aims to keep inflation around the 2% mark. They measure inflation with a basket of good and they measure how these items rise in price. We are told inflation is really low and that we will see low interest rates for awhile. Bank of Canada will continue to stimulate the economy with low rates and concurrently keep inflation below 2%. But is the current 1% inflation rate REALLY accurate. I feels a lot higher to me. Just look at real estate, gold, gas, groceries or eating out. Real estate prices doubling in a few short years doesn't feel or look like 1% to me. My two cents.

Don't waste your time and take additional risk trying to get a better return on your investments when the solution is right under your nose. Tax Deductible Mortgage. Tax savings in perpetuity. How much is that worth? Thousands! with zero additional risk. #WealthMatters #MoneyTrees #HELOCStrategy #Insurance #Interest #Taxes #RealEstate #EconomicIndependence #CashFlow

Fear keeps people working at a job. The fear of not paying the bills, the risk of loss, the fear of starting over again and the fear of the unknown. But greed or the desire for things keeps us reaching higher. We feel like we need more money to buy more stuff. But not all our desires are so superficial. We need a raise to get a bigger house and a van to raise a family. But the more money you give people the more indebted they become. Now with a family, a large mortgage and children, the fear is greater. You fear getting fired. This is the Rat Race as per Robert Kiyosaki. How to you get out of the Rat Race? First its education but not the type you learn in school. You need to learn to manage risk, invest your money for cash flow so that you can replace your income. You need to learn accounting (aka the tax system), markets, investing, and the law. You need to invest in Yourself, Real Estate, Intellectual Property, or a Business. My two cents. I am a Mortgage Agent and Licensed Real Estate Agent that specializes in real estate investment, off market opportunities and strategic placement mortgage options. I help create wealth through real estate and more broadly offer an alternative voice to financial planning and wealth creation. I am focused on catering to 'The Average Joe" by building wealth through these strategies: - Expense Reduction - Reducing NET interest you pay - Tax Reduction - Making your residential mortgage interest a tax deduction. - Quick Cash - Strategies for quick capital growth - Cash Flow - Generating a monthly income - Portfolio Income - Your money making money _ Follow Me Online Here: Facebook: www.facebook.com/EricArrudaRE Instagram: www.instagram.com/ericarrudamortgagesolutions/ LinkedIn: https://www.linkedin.com/in/ericarruda/ Website: EricaArruda.com #WealthMatters #MoneyTrees #HELOCStrategy #Insurance #Interest #Taxes #RealEstate #EconomicIndependence #CashFlow