where one is at the moment, where one’s destination is, Thinking is easier to describe than to define. It’s characteristics include the daily routine of reasoning where one is at the moment, where one’s destination is, and how to get there. It includes developing concepts, using words, solving problems, abstracting, intuiting, and anticipating the future. Other aspects of thinking include learning, memory, creativity, communication, logic, and generalization. David Sousa, How the Brain Learns, p. 246 6/6/2019

par·a·digm -- a model or pattern for something that may be copied. a theory or a group of ideas about how something should be done, made, or thought about. The Infinite Banking Concept is a major paradigm shift for most people.

o·pin·ion --   a view or judgment formed about something, not necessarily based on fact or knowledge. "I'm writing to voice my opinion on an issue of great importance“ SYNONYMS: belief, judgment, thought(s), (way of) thinking, mind, viewpoint, outlook, attitude, stance, position, perspective, persuasion, standpoint;

Annual Pattern of Spending Percent

$ Money Pool Banking is a Process - not a Product 1 2 3 Policy Owners Premiums Loans Repayments 1 $ Money Pool Mortgages Loans Dividends Repayments 2 Loans Repayments Expense of Operation Joint Ventures 3 Death Claims

When we are stressed the following happens: Blood pressure rises Breathing becomes more rapid Digestive system slows down Heart rate (pulse) rises Immune system goes down Muscles become tense We do not sleep (heightened state of alertness) 6/6/2019

Men, it has been well said, think in herds; it will be seen that they go mad in herds, while they only recover their senses slowly, and one by one. -- Charles MacKay 6/6/2019

THIS CONCEPT IS VERY SIMPLE. PLEASE DON’T COMPLICATE IT!!!! THERE ARE ONLY FOUR POINTS TO IT: 1. THINK LONG RANGE (AT LEAST THREE GENERATIONS) 2. PUT LARGE AMOUNTS OF CAPITAL INTO THE SYSTEM 3. DON’T STEAL FROM THE SYSTEM 4. DON’T MAKE LOANS AT ANY BANKING INSTITUTION 6/6/2019