<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[RSS Feed]]></title><description><![CDATA[RSS Feed]]></description><link>http://direct.ecency.com</link><image><url>http://direct.ecency.com/logo512.png</url><title>RSS Feed</title><link>http://direct.ecency.com</link></image><generator>RSS for Node</generator><lastBuildDate>Fri, 10 Apr 2026 00:49:30 GMT</lastBuildDate><atom:link href="http://direct.ecency.com/@johnmontoya/rss" rel="self" type="application/rss+xml"/><item><title><![CDATA[05 Aztecs Recap:  1st Place Finish at San Ramon Soccerfest]]></title><description><![CDATA[One weekend removed from a tough opening weekend at the Stanford Classic and no practice on Thursday due to the Air Quality Index soaring over 150, the 05 Aztecs had a lot to prove coming into their second]]></description><link>http://direct.ecency.com/mustang/@johnmontoya/05-aztecs-recap-1st-place-finish-at-san-ramon-soccerfest</link><guid isPermaLink="true">http://direct.ecency.com/mustang/@johnmontoya/05-aztecs-recap-1st-place-finish-at-san-ramon-soccerfest</guid><category><![CDATA[mustang]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Sun, 02 Sep 2018 19:07:18 GMT</pubDate><enclosure url="https://images.ecency.com/p/32FTXiZsHoAW6noHJDhrg3W8ZKHVFSsLYM859aTDCF8iErJRCXMFCeHEyBkQSjhr9Cd8yS9x31tSDvFwLyLD4dyGtgQeVNZL4PdCb4pvgWnghfo29TtBsy4uKYaBd1DF2SR3JHXHs4VQSEm4?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Blockchain Business Needed To Compete With GoFundMe]]></title><description><![CDATA[My four year old nephew passed on Friday, April 27th in a tragic accident and I created a GoFundMe to help my sister-in-law and her husband in their time of need. I was in the process of making Katie,]]></description><link>http://direct.ecency.com/gofundme/@johnmontoya/blockchain-business-needed-to-replace-gofundme</link><guid isPermaLink="true">http://direct.ecency.com/gofundme/@johnmontoya/blockchain-business-needed-to-replace-gofundme</guid><category><![CDATA[gofundme]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Mon, 30 Apr 2018 20:03:18 GMT</pubDate><enclosure url="https://images.ecency.com/p/2FFvzA2zeqoVZ5NRzV2o8MyJEzowAL6rjbt8w3dTHfC4EYRurQKTXosT8sgDQSsMjEsH7Pt9YyQ6wujRntoqwcVyzUk5drY3xU7JPrYakg1hfXMMjeG1jCTMEGrHU?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Sunset Photos From Maui]]></title><description><![CDATA[These photos were taken on Maui on between April 18-22 near Lahaina. Penn Mutual Life Insurance Company hosted their annual Royal Blue Conference at the Hyatt Regency where my family stayed during the]]></description><link>http://direct.ecency.com/photography/@johnmontoya/sunset-photos-from-maui</link><guid isPermaLink="true">http://direct.ecency.com/photography/@johnmontoya/sunset-photos-from-maui</guid><category><![CDATA[photography]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Sun, 29 Apr 2018 15:19:57 GMT</pubDate><enclosure url="https://images.ecency.com/p/RGgukq5E6HBS5wvERDA3ZF4P2WKQy2VoZZet1QV2MgF9AUvEbAwS4JUH45MY35TuYA7n3Bn9kMmU3jbKxD8D2Qd9VG8H9sWtuJQCpottXwpMEc95V33SwBeG9pgt6nz?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Question of the Day:  Am I Too Old For Infinite Banking/Bank On Yourself?]]></title><description><![CDATA[Am I Too Old For Infinite Banking/Bank On Yourself? This is a common question and concern for many who have just learned about Infinite Banking/Bank On Yourself (IBC/BOY) and feel they may be too old to]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/question-of-the-day-am-i-too-old-for-infinite-banking-bank-on-yourself</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/question-of-the-day-am-i-too-old-for-infinite-banking-bank-on-yourself</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Sun, 15 Apr 2018 20:59:39 GMT</pubDate><enclosure url="https://images.ecency.com/p/3W72119s5BjWPGGUiZ9pqnZoj8JHYxCCp9dtn2QVeSGGu9pcE5CsfE52RmS5H7BqdzFgpzfCGeFVgeaD4wQsfNnEJY1kGhBCatHFrvG5TpN4W36xGfkKJn?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The 401k Lobster Trap and How To Avoid It]]></title><description><![CDATA[Source Tax day is coming April 17th so here's an important reminder to continue to max out your 401k so you can lock up your money for decades in order to pay an open-ended tax bill for life during retirement.]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/the-401k-lobster-trap-and-how-to-avoid-it</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/the-401k-lobster-trap-and-how-to-avoid-it</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Sat, 14 Apr 2018 23:41:12 GMT</pubDate><enclosure url="https://images.ecency.com/p/2FFvzA2zeqoVZ5NRzV2o8MyJEzowAL6rjbt8w3dTGt8f3n4E33EwN6HRRqASNXgaecocpQnQznSbiiTWKdtnTPQPDrdu1C7AjHQGsKBXX23XJ6gZV9ts1EfhwpX34?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Why Infinite Banking? The Bigger Picture Perspective Explained]]></title><description><![CDATA[What problem does Infinite Banking solve? The answer can be quite lengthy so I'm going to attempt to simplify for purposes of readability and ease of understanding. Golden Rule: Money Must Reside Somewhere]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/why-infinite-banking-the-bigger-picture-perspective-explained</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/why-infinite-banking-the-bigger-picture-perspective-explained</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Thu, 12 Apr 2018 18:21:33 GMT</pubDate><enclosure url="https://images.ecency.com/p/C3TZR1g81UNchGPKLQuxAL7oEwDJ42cT977qXjChRAvnfK3HxnQgKtumBkeaKaA11FBDcEuujrYXvyA1F3DJrhFeqQKyE4sK8dGKqX6KQmjwWX52EkJHfpz?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[FAQ: What Is The Minimum Amount To Get Started With Infinite Banking?]]></title><description><![CDATA[Image Source Yesterday's blog post highlighted Premium Financing which excludes the majority of households in American due to income and net worth requirements. Link Today I'm going to cover the other]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/faq-what-is-the-minimum-amount-to-get-started-with-infinite-banking</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/faq-what-is-the-minimum-amount-to-get-started-with-infinite-banking</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Wed, 11 Apr 2018 20:48:00 GMT</pubDate><enclosure url="https://images.ecency.com/p/JvFFVmatwWHVQPjDcGkFxELgGtwNAntRtiqDuEyxy32AAkWRKAyGBZRtBvr9m5sxFyjC4g1adrn7veqB1zL6nA5o5TgpTYmkruT4QLauQtvyG4p9WtBHkQCgB7cgzoP8iY3Ey9X15G?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Video: Premium Financing (Infinite Banking for The Very Wealthy)]]></title><description><![CDATA[Infinite Banking has been called the black box secret for the ultra-wealthy because of the ability for high net worth individuals to contribute 7 or 8 figures into an IBC designed Whole Life policy. For]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/video-premium-financing-infinite-banking-for-the-very-wealthy</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/video-premium-financing-infinite-banking-for-the-very-wealthy</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Wed, 11 Apr 2018 01:58:57 GMT</pubDate><enclosure url="https://images.ecency.com/p/2FFvzA2zeqoVZ5NRzV2o8MyJEzowAL6rjbt8w3dTHbf6uStUBxV5DZmCVAaMVGZCc5kCJiPjAFUrrBbZhP63uPgUDSUUb6nXvW7QqkpWMtVugFfWfUyoUbqoMJd42?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Essence of Banking]]></title><description><![CDATA[If you've never seen the movie The International starring Clive Owen and Naomi Watts, then put it on your watchlist. Not only is it suspenseful but the movie also offers rare insight into the banking cabal]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/the-essence-of-banking</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/the-essence-of-banking</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Tue, 10 Apr 2018 05:24:12 GMT</pubDate><enclosure url="https://images.ecency.com/p/D5zH9SyxCKdBnJaFeHnL3svQi9ZN2XzXDbzH7Wc9zeeE3K5cwBHk7z2mEbfNtV3zDRbHvc2G7oAa2E7EhaSZfUqwQDcqtck1rBcSRU5GxZbQYxZHcSpyxXD3z87p4RLAgYjg6A?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Infinite Banking and Real Estate:  More In Common Than You Think]]></title><description><![CDATA[A fail-proof way to creating wealth over time is by accumulating assets. To make clear, an asset can be many different things. For the purposes of this blog post, I’m going to focus on financial assets]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/infinite-banking-whole-life-real-estate-how-the-value-of-ibc-relates-to-owning-real-estate</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/infinite-banking-whole-life-real-estate-how-the-value-of-ibc-relates-to-owning-real-estate</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Mon, 09 Apr 2018 01:01:45 GMT</pubDate><enclosure url="https://images.ecency.com/p/2VZXybTSZJq1UtNorhGbvwWbaPyocBG2BjejSr3EkRzeG3ihPYQAwJdnieo5w4U7fpxGw8ykdXhJ7GZEivSbgtRA6XyPEwg3LNixm4fVbjoW5KjbmSEu1QgRi3WbifVxD5EWqUtvBCCTKgxAfiqRca2MmtS?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Infinite Banking 101:  Debtor, Saver, or Wealth Creator]]></title><description><![CDATA[Infinite Banking 101 Understanding how the Infinite Banking Concept (IBC) works should be simple and easy. The three pictures below aim to show you just how easy it is understand how IBC works. At the]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/debtor-saver-and-wealth-creator-which-one-are-you</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/debtor-saver-and-wealth-creator-which-one-are-you</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Sat, 07 Apr 2018 16:59:36 GMT</pubDate><enclosure url="https://images.ecency.com/p/8SzwQc8j2KJb4ARrxQxCjX4jizub4U5CAK3WwB89ooFjYtgusGmPkf8zYhFEQNSkhe3uK4qTvYPiNvqpWU8mXa9MPzVsqbr8wu3WDFm3uueTSGMUrKx?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Business Testimonial for the Infinite Banking Concept]]></title><description><![CDATA[As a business owner you know access to capital is crucial and so is the ability to manage cash flow. The Infinite Banking Concept gives business owners the ultimate flexibility to run their business on]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/business-testimonial-for-the-infinite-banking-concept</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/business-testimonial-for-the-infinite-banking-concept</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Fri, 06 Apr 2018 16:24:45 GMT</pubDate><enclosure url="https://images.ecency.com/p/gPCasciUWmF5VZucjWuzmpXUomGMznGBossB7LD3CA4zeufnzmrnA863u3jx3fSC1m2oSvZ2mAnTmqXQj8pXLhtLprEKt4sPei679B3SdkDMrAd9uQtcvQsFKPvPeJuWCejMbX4YEnCTFapNdc?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Simple Key To "Owning" Term Life Insurance]]></title><description><![CDATA[The purpose of today's article is to highlight the correct type of Convertible Term Insurance you should have IF you are thinking long term and have the determination to own assets (not liabilities). The]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/the-simple-key-to-owning-term-life-insurance</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/the-simple-key-to-owning-term-life-insurance</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Thu, 05 Apr 2018 17:11:06 GMT</pubDate><enclosure url="https://images.ecency.com/p/vM1pGHgNcyCiaxZmdb555hkjecmqomntNdRp7jgAkV88rDrHW5LDePaDGBUqKFx9M4MK6gEQ9JjXgB8jWnepHSYFGKGzQziKn5VEWZUCDNHfYoWqZvJeRiKraXYz8nSBJo5EQNa?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Video:  Are You 100% Certain You'll Have A Great Retirement or Do You Have Some Doubt?]]></title><description><![CDATA[Would you like to know how to pay off all of debt, including your mortgage, while at the same time creating a tax-free retirement? Watch the video below and "Meet Mark" to learn the Your Family]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/video-are-100-certain-you-ll-have-a-great-retirement-or-do-you-have-some-doubt</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/video-are-100-certain-you-ll-have-a-great-retirement-or-do-you-have-some-doubt</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Wed, 04 Apr 2018 16:25:21 GMT</pubDate></item><item><title><![CDATA[3 Ways To Have Tax-Free Income in Retirement]]></title><description><![CDATA[Did you know there's only 3 ways to create tax-free money in retirement? You could buy municipal bonds. No restrictions on how much you can buy. Muni bonds are generally safer than stocks but there is]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/3-ways-to-have-tax-free-income-in-retirement</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/3-ways-to-have-tax-free-income-in-retirement</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Tue, 03 Apr 2018 16:29:21 GMT</pubDate><enclosure url="https://images.ecency.com/p/3zpz8WQe4SNH8q6FEif2uzpmXjQNog2n2huWTcwn8gc574RXJBjHKzkVtxQpUcQSLXiMAJPWGTHAdYJRoPMwG9YyvN5L6WwVRXiraCzPicEEA8rNLMsDWFko7wiSj892yTWnVcVv5r6SRzkrtmYA?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Buyer Beware: The Untold Risk of Universal Life Insurance]]></title><description><![CDATA[If you own any type of a Universal Life Insurance policy or if you are the beneficiary of a Universal Life policy, this is a cautionary story that needs to be read, understood, and shared with your loved]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/buyer-beware-the-untold-risk-of-universal-life-insurance</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/buyer-beware-the-untold-risk-of-universal-life-insurance</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Tue, 03 Apr 2018 00:48:45 GMT</pubDate><enclosure url="https://images.ecency.com/p/D5zH9SyxCKdBnJaFeHnL3svQi9ZN2XzXDbzH7Wc9r2DA9vo4QN1MXGkwrCNTYmCh9PuLqhJQji8DDmwmCijFNHL5rcXEmPCbJpJqf2PtJShjytUPmegkAZVLJfL548mrG9QE9C?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Infinite Banking Question of the Day:  What's The Best Way To Re-Pay A Policy Loan?]]></title><description><![CDATA[As an IBC'er, you are in total control of your cashflow which puts you in a unique situation compared to traditional bank borrowers who must maintain a fixed payment and set schedule of payments for the]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/infinite-banking-question-of-the-day-what-s-the-best-way-to-re-pay-a-policy-loan</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/infinite-banking-question-of-the-day-what-s-the-best-way-to-re-pay-a-policy-loan</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Fri, 30 Mar 2018 14:47:24 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QD2aHbJiivbVZV6nAA4BJrX2xi1Ybtx4X5KkUu3qDJ1fpBzZPTsd9EZ1SsCUPpbsJW2tDdPvSPwnFJ9Hfi5op8rDuFR9dFzUR1W2dz5RkikBV55GBUop?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[How To Get Started With Infinite Banking in 3 Simple and Easy Steps]]></title><description><![CDATA[Hey, hello there! Congrats on making your way here. If you've found this article, it's likely because you've done some research on the Infinite Banking Concept (IBC) (also known as Bank On Yourself or]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/how-to-get-started-with-infinite-banking-in-3-simple-and-easy-steps</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/how-to-get-started-with-infinite-banking-in-3-simple-and-easy-steps</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Wed, 28 Mar 2018 03:44:03 GMT</pubDate><enclosure url="https://images.ecency.com/p/TZjG7hXReeVthqpTJZmwvzsLcvMeG4TU4Gjdfy25k2GHwy8Nep88Enj893FKEr9Nfwuazw4TtGeay2L79ob8uhDaNtuxBiQBvdVuexGPzr4KdvcNk4xyWMhU6FJeSBdjpBQ6rBjnXbxwPU?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Financial Question:  Taxable income or Tax-Free Income in Retirement?]]></title><description><![CDATA[Seems silly, right? Of course, any sane person would prefer a tax-free retirement. Problem is most people are stuck contributing to 401k's and do not realize a properly structured Whole Life policy (Infinite]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/financial-question-taxable-income-or-tax-free-income-in-retirement</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/financial-question-taxable-income-or-tax-free-income-in-retirement</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Mon, 26 Mar 2018 15:24:30 GMT</pubDate></item><item><title><![CDATA[What  Is the Least Expensive Way To Buy Life Insurance? (A Deeper Dive Into Life Insurance that Wall Street and the Mainstream Media Won't Tell You About)]]></title><description><![CDATA[There are a many options for purchasing life insurance and because each person's situation is different, I'm writing this blog article to help you better understand the different options and what will]]></description><link>http://direct.ecency.com/ibc/@johnmontoya/what-is-the-least-expensive-way-to-buy-life-insurance-a-deeper-dive-into-life-insurance-that-wall-street-and-the-mainstream</link><guid isPermaLink="true">http://direct.ecency.com/ibc/@johnmontoya/what-is-the-least-expensive-way-to-buy-life-insurance-a-deeper-dive-into-life-insurance-that-wall-street-and-the-mainstream</guid><category><![CDATA[ibc]]></category><dc:creator><![CDATA[johnmontoya]]></dc:creator><pubDate>Sun, 25 Mar 2018 20:59:39 GMT</pubDate><enclosure url="https://images.ecency.com/p/cyxkEVqiiLyAJMrzqHfWLT7YbdgoprDQGwdeDRwrXqJxoBPaLeZ14yTpUKKJgjXAhf37ZZQmzQfjDt9bQtkck2EGNHBxJDUHrEjhqP4bSjkwtwTm37MJz5BmivqD9xj2e1C?format=match&amp;mode=fit" length="0" type="false"/></item></channel></rss>