Private Family

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Private Family
Take Control of Your Financial Life Earn the profits that banks have been making off of you by creating your own banking entity.

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At Private Family Banking™, we teach you how to get on the Wealth Curve and ride it for the rest of your life.
Private Family Banking™ presents The Banker’s Secret to Permanent Family Wealth™ by John Cummuta.
How would you like to be able to live your life and at the same time create a financial legacy that provides for your children and grandchildren?
Regardless of the market, you can be fiscally free without working harder or changing your cash flow. We can help you become your own banker and take advantage of the benefits that banking insiders never tell us about. All this while minimizing taxes and building lasting transferrable wealth. You can use your own bank to fund college, finance cars, finance business, pay mortgages, reduce debt and fund retirement.

Partagez vos moments forts avec vos proches en toute sécurité

Donnez un nom à votre espace famille



Donnez un nom à votre espace

Par exemple : famille martin, notre beau mariage, naissance bébé chéri, notre voyage en italie, etc...
 

Un site sécurisé où tu peux partager tes photos/vidéos ou même les oeuvres d’art de tes enfants (si si!), avec tout le reste de ta famille.
Votre espace est entièrement paramétrable avec des thèmes génériques variés que vous pouvez personnaliser à volonté.
Cela se présente comme un blog que vous pouvez faire évoluer à votre envie. Vos proches peuvent venir et profiter de vos photos.
C’est vraiment idéal pour tenir informés ses proches des grands moments de la vie de nos enfants, en toute sécurité !

Découvrez l'espace parents et les fonctionnalités en un clin d'oeil


Indiquez votre prénom, l'adresse e-mail de votre correspondant puis cliquez sur Envoyer l'invitation


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Private Famille permet de créer votre espace familial 100% privé,
sans aucune connaissance informatique afin de partager
vos plus beaux souvenirs et moments de vie en famille.
Private Famille est une véritable alternative aux réseaux sociaux
qui ne garantissent pas une protection efficace de la vie privée.
Le service est 100% privé, sécurisé et uniquement réservé aux familles.
Gérez votre espace privé en quelques clics. Personnalisez, stockez
puis partagez vos photos et vidéos, sans risque d’utilisation
ou de vol de vos données personnelles par un tiers.
En utilisant Private Famille, vos données et votre vie privée sont protégées.
La zone parent met à votre disposition de nombreuses options pour gérer
l'espace privé de votre famille : photos, vidéos, commentaires, blog privé,
choix de thèmes et d'univers graphiques, messagerie privée ou livre d'or,
ce sont de nombreuses fonctionnalités que vous pouvez utiliser.
Créez ensuite les accès par mot de passe pour vos proches puis activez
l'option de téléchargement de vos contenus (idéal pour les grands-parents !).
Ajoutez vos proches et amis dans le carnet de contacts afin qu'ils reçoivent
leur invitation personnelle ainsi que le mot de passe qu'ils devront utiliser.
Comme de nombreuses familles , partagez vos plus beaux moments de bonheur
Vous pouvez personnaliser votre espace privé en un clin d‘oeil en quelques clics
depuis votre zone parent, c’est vraiment très facile et rapide.
Utilisez vos photos personnelles pour illustrer le thème graphique de votre espace privé,
téléchargez une photo, recadrez-la puis enregistrez les modifications.
Le tour est joué ! Votre espace privé est personnalisé.
Découvrez les nombreux univers graphiques à votre disposition et
personnalisez facilement votre espace privé comme vous le souhaitez.
Profitez des fonctionnalités du service : thèmes graphiques, commentaires,
livre d’or, newsletter, arbre photos familial, dessins des enfants, messagerie...
Tous les thèmes graphiques dans votre zone parent sont utilisables
à n'importe quel moment et aux différentes occasions de l'année :
Noël, anniversaire, jour de l'an, vacances, pâques, halloween...
Vous trouverez de nombreuses occasions pour changer d'univers graphique
et pour profiter de toutes les fonctionnalités du service.
Private Famille met à votre disposition un espace protégé pour
créer votre fabrique à souvenirs et les partager avec vos proches.
Gérez un vrai album interactif, personnalisez facilement,
partagez avec vos proches uniquement !

A shocking number of Americans live paycheck to paycheck. Surveys show that 74% of all employees live month-to-month, and more than 25% of families earning a six-figure income do the same. Why are so many people so hard up and in poor financial shape? In many cases, the answer to this could lie in the mismanagement of money and escalating debt cycles. The more you earn, the more credit you are entitled to, which combined with interest and fees, erodes family wealth. That’s why it is worth learning about private family banking.
Family banking is easy to fund and provides numerous benefits and can ensure that you never fall into a debt cycle.
Debt is not necessarily a bad thing, as it can facilitate important actions such as buying a home, paying for college, buying a car, or covering health care expenses. However, the interest rates that are tied to traditional lending can cause you to bleed out wealth that could have otherwise been accumulated for your family.
Private family banking can ensure this never happens while allowing you the option of borrowing funds from a whole life insurance policy you set up. This lets you access cash when you need it without borrowing from a traditional bank or other for-profit loan-making organization.
Besides protecting you from debt, family banking also comes with several tax benefits and a number of other financial advantages. Read the rest of this article to find out what these are and to evaluate if the strategy is right for you and your family.
Before we dive into the mechanics of private family banking, let’s take a look at how the financial strategy got started.
During the 1980s a man named Nelson Nash found himself in a predicament. He had overextended himself on debt and was unable to build wealth thanks to the resulting interest and repayments. At the same time, he recognized that sometimes, to build wealth, you need to be able to borrow money.
As a result, he struck upon what has now become known as the private family banking concept, also referred to as infinite banking . A method where families can effectively become their own bank, build up wealth, pass it to future generations tax-free, and be able to borrow “from themselves” (from life insurance policies) at essentially no interest. We’ll get to how to do that in a bit.
Over time, his ingenious method has become popularized through the publication of a book he wrote called: “ Becoming Your Own Banker : Unlock the Infinite Banking Concept”. It is also known among his devotees as the ‘Nelson Nash book’. This book can be found on Amazon.com or from Barnes and Noble or through most other major booksellers.
Other books on the topic have since been written on creating a so-called family bank, and the method has become a widely used, yet little known, wealth hack.
So, how does family banking work ? How do you set up a family bank and become your own banker?
Private family banking is based on one core offering. Whole life policies purchased through life insurance companies. Let’s take a look at how these work to increase your financial health and to build wealth for you and your family.
Life insurance can be generally divided into two categories, namely whole life insurance and term life insurance .
Term life insurance is the most common type of life policy nowadays, as it is the cheapest. With a term life insurance policy, you are covered for a certain period, for example, 15 years. Once that period is over, if the policy is unclaimed, it falls away.
In this case, you would need to take out a new policy, and all of the money that you put into the expired policy would be lost. This kind of life insurance policy has no cash value.
Whole life insurance works differently to term life. As the name suggests, whole life policies are for the whole duration of a policy holder’s life. During this time, your monthly payments accrue and give your policy cash value. This makes whole life policies a viable savings vehicle for everyone that can make use of them.
When the insurance policy is claimed (in the event of your death or at a stipulated maximum age), the gain from it is tax-free.
You can also choose to completely draw out the cash value of your life insurance policy when it has matured. This occurs when your cash value reaches the value of your death benefit.
At the same time, you can choose to borrow cash from your whole life insurance policy before it has matured, and before it reaches the value of the death benefit.
There are quite a few advantages to this, one of them being that you won’t have to go through a loan approval process. If your cash value is high enough, all you have to do is request your ‘loan’. With a family bank, there is no need for credit checks, collateral, or any of the other traditional requirements that typically come with taking out a bank loan.
This effectively gives you a form of cash flow insurance , provides a tax-efficient savings vehicle, and allows you to become your own banker through a family bank.
Now that you know the basics of how to become a private banker, let’s take a closer look at the advantages of this wealth-building system.
Private family banking and the family bank concept we use holds a few key advantages. These can be broken down into the following areas. Let’s take a closer look at each of these.
One of the biggest perks of private family banking is the ability to borrow from yourself, at no interest. It gives you instant cash flow when you need it. Or let’s rephrase that, you will pay interest, but this interest will cancel out.
When you borrow from your whole life insurance policy , you will pay interest on the borrowed amount of money. This interest is set and does not rise over time.
However, the real benefit derives from where this money comes from. When you apply for a loan from your policy, the insurance company does not withdraw the funds from your policy. Instead, they use other funds in their holdings to meet your cash request.
This means that the capital in your policy remains untouched, and continues to grow at a compounded rate of interest. Therefore, while you are paying interest to the life insurance company on the money you borrowed against your policy, your policy itself is canceling out this interest by generating its own positive interest.
This allows you to borrow—against your own money—and effectively not pay interest.
On top of this incredible advantage, as mentioned above, when borrowing against your insurance policy you also won’t have to jump through any of the hoops that you would with regular banks or lenders.
The other sizeable benefits of family banking and the use of whole life policies to build wealth is that they allow for tax-free growth.
The compounded interest you earn on the money within your policy is not subject to tax, unlike most other investment vehicles. Over time this can pose a substantial saving, once which can effectively go back towards the policy and continue to earn more compounded interest over time.
The third main advantage of private family banking is that it allows for superior estate planning.
Depending on your assets, and where you live, death duties can take a sizeable chunk out of your estate. If you choose to store and accumulate wealth with family banking, you will be able to side pass this.
This reason for this is that life insurance payouts are tax-free . Because these are not taxable, you will be able to transfer the whole value of your fund to your heirs without paying death duties or tax .
Family banking is, essentially, for anyone who wishes to build wealth, improve cash flow when needed, have financial independence from banks and lending institutions, and be smart about estate planning and the passing on of wealth.
However, there is one criterion for embarking on this method. You will need to be able to foot the monthly whole life insurance payments. These payments are substantially higher than term life insurance, which is the reason why term life insurance is now the main type of cover that people take out.
However, with some savvy financial planning and some stringent debt squashing, you may be able to structure your money matters in such a way as to afford a whole term life policy.
As you can see, private family banking poses a number of key advantages to those that are interested in leveraging this system. From gaining interest-free liquidity backed by your own money—to passing on your wealth tax-free, you have to admit that the perks are substantial and family bank funding is easy to do with our strategy.
If you are interested in learning more about this system of wealth building management, you are in the right place. We have a store of resources on the subject , and also offer consulting services. Additionally, you take advantage of our free infinite banking course that teaches the basics of the infinite banking concept .
At LivingWealth.com, we are a team of experts that are passionate about empowering people like you to realize financial freedom through infinite banking. We are happy to help you in any way that we can realize your goals.
If you have any questions or would like to explore the strategies outlined in this article in more depth, then contact us , or book a live consultation today to get the advice you need to use infinite banking your advantage to design your own private family banking plan.
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When searching for a name for the website, nothing except ‘A Private Family’ came to mind. You will find no titles amongst the Cade relations, nor will you find people who were famous; just the life of a ‘private family’, as told through their letters and their diaries.
While a fair amount is known about earlier members of the family, the site is centred round one particular person, the only one with any claim to fame: Edwin Arthur Cade (1857-1903), along with his immediate circle of relations: parents, siblings and children.
The collected information on the history of the family was researched by a grandson of Edwin Arthur Cade, John Ashbrook Flower (1928-2011). Eschewing the benefits of modern technology it was compiled, over many years, through visiting churches, museums and the Public Records Office. It may not be completely accurate – but is as accurate as is he was able to ascertain.
There is no-one living on the family tree but if, in time, the diaries of EAC’s daughter, Ethel Della Cade, are published, then the family history will be brought up to 1966.
If the complete diaries of (Edith) Adeline Maitland (Smith) are added to the website, (1903-1968) then some of the generation born before then will be revealed – but only as children.
These are the records, gathered and retained, over and for many years. Letter-writing is now a dying art; what is here should be preserved; the originals of many have been returned to the relevant branches of the family Cade.
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