(Transcribed by TurboScribe. Go Unlimited to remove this message.) Welcome to the Business Credit and Financing Show.
Each week, we talk about the growth strategies
that matter most to entrepreneurs.
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And now, to introduce the host of our
show, financial expert and award-winning author, Ty
Crandall.
Hello, and thanks for joining us today.
I'm super excited you could be here.
Look, today we're talking about infinite banking.
And if you're not really familiar at an
intricate level of what infinite banking is, you
should be because it's really the key to
creating long-term financial security.
And that's exactly what we're going to dive
in today.
I mean, literally, we're talking to the guy
that wrote the book on the topic.
And with us today is Michael Hessian.
Now, Michael Hessian is an authorized practitioner of
the infinite banking concept, who's actually been implementing
this powerful wealth strategy for his own family
now for like well over 11 years.
And he's actually guiding clients towards financial independence
for more than seven.
So as a wealth strategist at Factum Financial,
Michael actually brings extensive real-world experience to
his work.
He previously spent 16 years as the owner
-operator of a successful marine business, giving him
firsthand insight into the financial challenges that we
face as entrepreneurs, right?
Now, Michael actually has had a strong background
in trading options, futures, and currencies, along with
investing and managing multiple different real estate properties,
experiences that revealed the risks of relying solely
on traditional financial systems.
Now, actually, since he discovered the infinite banking
system eight years ago, he and his wife,
Anne, have built multiple policies and are passionate
about helping families and businesses basically create stability
and lasting wealth.
Now, he actually lives in Rhode Island with
Anne.
And their two daughters and their beloved pets
as well.
Michael, thanks for joining me today.
My pleasure, great to be here, Ty.
Yeah, I appreciate it.
Okay, so infinite banking.
Look, here's the interesting thing.
A lot of people don't even know what
infinite banking is.
So let's just start with the beginning.
What is infinite banking?
How does this ultimately work?
Great question.
It can seem daunting.
So the infinite banking concept is basically the
name that a gentleman named Nelson Nash gave
to this about 25 years ago.
He wrote this book behind me called Becoming
Your Own Banker by R.
Nelson Nash.
He first published in 2020, I mean, 2000.
He'd been teaching years prior to that, basically
just alerting people, mostly financial professions and professionals,
that they'd kind of dropped the ball and
forgot about these longstanding whole life insurance contracts
that you can get from these, what are
called mutual life insurance carriers in the U
.S. And they've been around for, in some
cases, 108 years.
And there are about maybe a dozen of
them or so in the U.S. And
he said, look, you've forgotten about these things.
You're so focused on the stock market and
401ks and all this stuff that puts people's
money at risk.
And there are these safe, guaranteed growing, what
I call the perfect asset, which is the
name of my company, in these whole life
insurance contracts.
And when you use them properly, you can
assume the role of the banking function for
yourself.
So that's why he called it the infinite
banking concept.
So the idea is becoming your own banker,
running your money, as much as your money
that you're bringing in through these policies, structured
in such a way that they grow guaranteed,
there's no market risk inside of them.
And then you can start to act like
a bank for yourself.
So that's, he's the one who created that
term about 25 years or so ago.
But really, it's simply using these long running
whole life insurance contracts, set up a particular
way that just have all these incredible benefits
for now and in the future.
And then because it's life insurance, also in
a legacy and generational wealth component as well.
So give me an idea, like whole life,
how does a whole life insurance policy work?
Typically, there's a lot of sort of bad
publicity out there or people who are espousing
other things who poo poo it.
And one of the main things they get
wrong about it is they treat it like
it's an investment.
And it's not.
There's a reason I called my company the
perfect asset.
It's a fantastic asset.
It's not an investment.
Now, when these things get humming along and
they're 10, 20 years old, the internal growth
is very much investment-like.
They yield inside of these things.
It takes a while.
So I think that's part of the problem
is that people, they miscategorize it.
But it is, and part of the reason
when you do straight up whole life and
don't set it up the correct way with
the right companies, it can just take a
long time for what's called the cash value,
the accessible capital that you can use, a
long time to grow.
So that's, traditionally, people who don't really care
about that, they're just looking for protection and
they don't really care.
They're looking for a big debt benefit.
So that's partly why it's a straight up
whole life.
It has a cash value.
It was called a cash surrender value.
It's guaranteed for the premiums never to go
up.
It's locked into however the contract is written.
And so that's, and so the idea is
that you have to set them up the
right way, which we know how, I know
how to do with the right companies.
And then it becomes as much more, more
like a growing asset.
So whole life is a simple term.
It's for your whole life.
It's gonna pay out at some point.
Everybody graduates at some point, right?
And the premiums are locked in and it's
just, you have to set it up the
right way so you can practice infinite banking.
So hope that kind of explains it.
Makes perfect sense.
And the whole life, I love how you
explained whole life because quite honestly, whole life
and term life, the whole thing, I might
be the only guy.
It's always seemed a little bit confusing to
me to be able to differentiate between the
different kinds of policies.
But what you say with whole life makes
sense because the premiums are basically staying fixed
throughout life, throughout the actual term.
Yeah, they generally cash value whereas term policies
are for very specific period of time.
For people who are working, a lot of
times their company will offer annual renewable terms.
So like one year term is usually really
cheap and it might be the debt benefit
might be for some multiple of your income.
And when you leave work, you'll lose it
typically.
And then there's 10 year terms and 20
year terms and there's no cash value in
that.
The only time there's any value is that
the person passes away and it pays out
to your family.
So other than that, that's the only value.
And interestingly enough, Tai, there's something like 1
% or less of all term policies actually
pay out, which is really interesting.
So just either people will let them lapse
till they get a 10 year term and
it comes up and they just wanted to
cover a certain period of time.
Like when they, maybe they had kids and
they had a 20 year term.
They wanted just to cover that time from
when the kids grow up to be 18
years old and hopefully leave the house.
So that's the difference.
But term has no cash value.
It's strictly a payout and protection should the
insured pass away in that period of time,
whatever that period of time is.
Perfect.
And I appreciate the breakdown between the two.
So I think I'm the only guy asking
this a little bit.
I've always been confused about term and whole
life.
So when it comes to whole life, I
understand the concept of what you just laid
down with insurance, but how does that do
with like borrowing against it and being able
to use it to bank as an actual
bank?
Like how does that structure of infinite banking
work?
So real quick.
So as I said, each whole life policy
has what's called a cash surrender value.
It's interesting.
This was actually implemented with whole life in
the whole life industry back in the late
1800s.
Sometime in the 1880s, it was, you know,
it was very, people were paying their premiums
for their policies for protection.
And in the companies, as an inducement to
have them keep the policies and keep paying
for them, they said, look, we have this,
we're taking all these premiums and the companies,
the life insurance companies, they do invest that
money because they've got to grow and satisfy
all these death benefits and everything that are
going to happen at some point, right?
So they, but they're very conservative.
They typically do bonds and real estate and
very safe, conservative types of investments.
So they said, look, let's give these policy
owners access to some of the money that
they're putting into there, which will make them,
it'll compel them to see it as not
just something where it's payout when you pass
away, but money that you can use the
whole time.
So that's, that really started back in the
1880s.
And so what happened is that the way
they're structured, these things are, the cash value
grows at a guaranteed level.
And it's just with these companies that I
use, there's maybe a dozen of them, as
I mentioned earlier, I think, you can load
these things up and get more of a
particular type of premium into the cash value.
Whatever's in the cash value, you can access.
So up to 90, 95% of whatever's
in the cash are under value.
You can pull it out if you wanted
to, withdrawals or surrenders.
But what we do is we used to
know you'd take loans out from the life
insurance company collateralized by what's in your cash
value.
Now you go, why would I do that?
Well, a couple of reasons, because that way
you're not tapping into the principal.
So in right now, the current rate is
about 4% for guaranteed net of taxes.
This is really important too.
There's no taxation on this, on the growth
or the access inside of the cash value.
So this thing's growing at 4%.
You need to buy a car, you take
a loan out.
So you have a $30,000 car you
wanna purchase and rather than go finance it
or pay cash, you take a loan out
from the company based on your cash value,
go buy the car.
And then now you act like, okay, I'm
both the lender and the client.
So I was gonna spend maybe a thousand
bucks a month for an outside lender for
this vehicle.
I'll do it in my own system.
Then you pay it back to the life
insurance company.
It gets reapplied and it's like restocking the
shelves.
And the whole time the cash value was
never depleted because you didn't take it out
of there.
Does that make sense?
So you don't tap into the principal.
Yeah.
So let me ask you this then.
I would think it would take a while
to accumulate.
In this example, you just gave me for
a car.
I would think it would take a while
to accumulate enough cash value to ever even
be able to really access any legitimate amount
of money.
So that's what my brain immediately defaults to.
Is that not the case?
Like how fast am I accumulating and how
much am I accumulating of cash value that
I can actually use to reinvest as ever
I choose to reinvest?
That's a good point.
I think one thing is usually what I'll
do is to go through this process of
understanding this better with our clients as we'll
identify, is there some chunk of money that
we can get this thing started with?
A lot of times that there's money sitting
idly in a savings account or something.
And these don't have to be very big
policies.
I have some younger people who are maybe
$7,000 a year.
So if you break that up monthly, it's
less than a thousand a month.
And you can do it monthly.
If you do it monthly, it does take
longer for there to be cash in there.
But typically what I do with folks, we'll
identify some premium amount that works for them.
As low as 7,000, probably the largest
one is maybe 50,000.
We just see what you're, everybody's different.
We see what you have.
And then you structure it such that, let's
say someone does a $10,000 policy.
The way the premiums are broken down, there's
something called a base premium, which buys the
bulk of the death benefit.
And then there's something called paid-up additions
premium, which goes right into the cash value.
And that's the money that you can tap
into.
So let's say someone does 10,000 total.
They have 10 grand sitting in the savings
account or they get a windfall from something.
We get started, you pay the annual premium.
Two weeks later, there's about, probably almost all
of that, 7,000 of it will probably
be in the cash value, three of it
base premium.
And then you can borrow against that 10.
So I've had people with smaller policies start
going after debt, existing debt.
That's what my wife and I did.
The first time we got a policy, we
had some higher interest credit card debt.
We came into some money from the death
of my father-in-law.
And we were able to start a policy
and get like 20,000 into the cash
value, took a loan out, paid off two
credit card debts that were at like 29%.
And then just assume the role of lender.
And then the money we were sending over
here, we just redirected it back into our
system.
So it's really, so it depends.
Everybody's a bit different.
And if you have to do it on
a monthly basis, it can take a little
while, but it's pretty quick.
It just depends.
I think one thing too, is that people
have to get their head wrapped around.
If you're running your, the money that you're
making, where are you putting it as you're
making it?
And once people understand the value of putting
it into these things, instead of in a
checking account or instead of a savings, first,
then you create this safeguarding asset and then
you go do whatever you need to do.
So I hope that that helps.
So everybody's a bit different.
It's part of my job is to discern
like what are the options here for each
individual.
So let me ask you this, and let's
just use what we just described as an
example.
You come across a sum of money, your
death in your family as an example.
And you could use that money, let's just
say, I'm just making up numbers, let's say
it's $50,000.
So I could take the 50, oh, let's
just make it $100,000 because it's an
even number.
So we take $100,000.
In all fairness, 50,000 is an even
number.
Anyways, this is why we ADHD people, we
don't want to get too straggly here.
So let's say it's $100,000.
But in that case, you're saying, okay, look,
we could put this into our policy, borrow
against it to pay off high interest debt.
But from a finance guy, what I need
help with to better understand, I think a
lot of people want, this is where they
get confused with infinite banking, is that I
can also just take the $100,000 and
pay off the high interest debt and not
put it anywhere and borrow against.
So what is the benefit of putting it
in somewhere where then I have to pay
interest on that money to borrow against it
to use it to pay it off versus
if I just had the cash and I
just used it to pay off the debt
without putting it somewhere where then I have
to pay interest to be able to pay
it back?
Yeah, no, it's a great point.
There are a couple of things.
So one of the very first things that
Nelson talks about in his book is, to
get your head, again, he calls it a
concept for a reason because most people don't
think in terms of operating like a bank
for themselves because the banks do that, right?
They have a pretty sweet gig.
Obviously their business model has expanded out over
the years, but it is simple as the
banks, they hold capital, they lend it out
at interest, and it always comes back to
them.
And now a quick break to hear from
our sponsor.
Hey, it's Ty Crandall with Credit Suite.
Many of our subscribers want to get the
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And I think we all know that, and
for good or ill, they pretty much run
the world, right?
They have a lot of power because of
that business model.
And so the idea is to replicate that.
So, and what he says in his book
is that, if you think about it, we
finance everything in life.
The problem that infinite banking solves is that
first, if you agree with the premise that
we finance everything, you either save up our
income, like money coming in, and to buy
our stuff, whether it's to pay for the
mortgage, buy our car, food, groceries, everything.
And when we do it that way, the
money that we've earned, we've lost the ability
to earn any income or any interest on
that money because we spent it on the
stuff we need, right?
Conversely, if we can't afford that, what do
we do?
We borrow from lenders to get our stuff,
and then we give them interest, again, losing
the ability to earn any money on the
money that we've generated ourselves.
So what this does is you get it
into your system, the whole life policies, again,
properly designed first, where remember it's growing unimpeded
and unencumbered at 4%.
That number gets higher because these are also
dividend paying life insurance companies, which I can
get into later.
So the idea is that if you get
that notion that yeah, all this money that
I'm spending, either cash saving up for cash,
I lose the ability for that money to
do anything other than buy myself stuff.
And then by borrowing money, I'm just losing
interest.
I think there's a statistic out there that
something like 34 cents of every dollar spent
in the U.S. on average goes to
satisfy outside interest.
That's a lot.
That's more than a third of every dollar
just spent.
So this solves that.
So the idea, so if you do buy
the car or pay off the debt, you
could jack up that credit card again, of
course, but then you're back in the same
boat, right?
You know, so the advantage is you put
it in their policy first.
The other thing is these loans from the
life insurance company are unstructured.
They charge a small interest rate.
It's usually around 5% or so.
They never put you on a payment program.
It's completely up to you.
So there's that.
And so there's a lot of flexibility around
it.
And what you might say, why do the
insurance companies do that?
Well, they're on the hook for a death
benefit at some point.
So when you take loans out and say,
if someone has like $100,000 bought a,
say $2 million death benefit, and let's say
someone took out a $50,000 loan and
then they happened to pass away before they
paid the loan back, the company would very
simply go, okay, there's $2 million death benefit.
There's a 50,000 outstanding loan with a
little bit of interest.
So we'll cut a check for the 2
million minus that 50 grand plus.
That's why it's a very safe loan for
them to do.
So it's unstructured.
So you can do whatever you want.
It behooves you to pay the loans back
because then you're just restocking the shelves.
And it's a way of using the same
dollars over and over again.
Yeah, makes sense.
It's like the credit line.
I mean, ultimately, in my example, if I
took 100K and I just paid off the
credit card debt, then I just take 100K
and pay off the credit card debt.
There's no money being earned.
There's nothing in play.
But if I took the $100,000 and
invested it in the whole life policy, now
let's just say, I mean, we're not holding
these numbers, but let's just say that we're
getting 4% return on that policy.
Then we're getting some kind of dividends too.
So now we're earning money on that.
Then we could borrow against that money like
5%, which is basically kind of like a
wash there.
It's almost a wash.
So it's like, we basically get the money.
I'm not saying for free, because it's not.
But realistically, anyways, I'm not saying we're getting
the money for free, but realistically, it's almost
a wash.
So it's like, I could put the money
in something that continues to grow and then
maybe borrow against it, maybe not.
But when I do borrow against it, then
I could basically get it where the money's
a wash.
When I'm not borrowing against it, then the
money's sitting there earning interest, unlike a credit
line that's only costing me money when I
use it.
But when I'm not using it, it doesn't
do anything for me.
Like it doesn't earn me anything.
So a general good overview of the concept.
Yeah, these things, they're pretty similar.
They really are kind of like a hybrid
of a high-yield savings account line of
credit that you could, and they're very private.
Once you get these contracts, it's a private
contract between yourself and a financial institution.
So for example, I've got some clients who
they'll do these instead of a 529 plans
for their kids for a future college.
And they're under so many levels, to me,
it's superior.
One is that it's guaranteed.
And over time, it's gonna grow better and
they have no market risk.
And if you start them young, when the
kid's really young, by the time it's 20
years on or so, the internal growth inside
of these things will blow away the market.
And it's all tax-free.
It's all net of taxes, the internal growth.
When you set them up the right way,
you have to make sure you set it
up the right way.
Because if you don't, if you put too
much cash in too early, the IRS flags
it and says, hey, this is no longer
life insurance.
So it has to be a balance there
of not having too much cash too soon.
So, and then the thing about it too,
like one of my kids chose not to
go to college when she graduated high school.
We had a 529 plan that was put
together by my in-laws years ago.
It was, we're grateful for that.
My oldest took advantage of it, went to
a very expensive school in the Northeast.
It was great to have that 529 in
place.
My second didn't go to school.
We were able to transfer it to the
first one because you can do that, but
otherwise you're out of luck because they can
only be used for education.
So if a kid gets older and they
want to start a business instead, you're out
of luck.
So these things, they keep going.
They end up, usually what I'll do is
the parents will fund them, they'll own them.
They can use them in their own banking
system.
I've had policies on each of my girls
and we still fund them and own and
they're part of our system.
At some point, I'll hand ownership to them
when they can handle the premiums and they
start to understand it better.
So there's just, there are all kinds of,
and it keeps it, the other thing I
like to say too, Ty, is that when
you think about this, and I got this
from my first mentor, we all run our
own private economies.
You hear about global economy and the U
.S. economy, and we have our, we all,
the most important economies are our own, right?
The money that comes into our system, whether
we're single or a family or a business,
whatever, and how we manage and grow that.
And when you start to take advantage of
the infinite banking concept, you keep that money
flowing inside your system.
And the benefits to that is just, it's
off the charts.
And because there's no market risk, there's a
real peace of mind around it too.
I've experienced that myself.
I think we have 10 policies right now,
and I just love that.
I know they're just doing their thing and
I can tap into them when I want
to.
My hope is that, and my goal in
the next year or so is to start
hard money lending, is what one would look
at it to like small business owners who
need some funding and they're too small for
venture capital or something like that.
Or maybe the banks won't lend them because
their credit score is not quite good enough.
And then, but I'll borrow out of my
policy.
So I'm not tapping into my principle and
I'm lending people who need the money for
what they're up to.
And then you set up a payment system
where they pay me back.
I just restock the shelves and I'm earning
ongoing and ongoing yield, all tax free.
Yeah.
And there's so many truths in everything you
say there.
Like in Florida, we've something called prepaid college
fund, which I love.
I think it's a brilliant idea.
Like I have my kids born, I can
sit there and lock in the college rate
then of what it would be when they're
18 and graduate and I can start paying
money towards it.
But the problem is, is that that money
can only be used for a Florida school.
Now I do get my money back, unlike
some of the other plans, but I don't
earn any interest on it.
I can just, it sat there for 18
years and I earned nothing on it, right?
In that scenario.
So this is like a much wiser way
to do than a lot of these other
options because you're earning something on it while
you're doing it.
And then like, to your point, if you
look at like Mark Cuban, you look at
even Elon Musk, right?
I got a huge crush on Elon Musk
because what the guy does is brilliant, right?
But sometimes we forget that he just had
PayPal and he made money and then he
invested it and it blew up.
Cuban, they all did the same thing.
Like the richest of the rich, they usually
got something that worked and then invested money
and it's the investment of money.
It's like creating their own economy and their
own system is how they obtain this wealth
that's beyond measure.
It's not usually the thing they did.
It's how they invested the money from the
thing that actually blew up.
I mean, to your point, that's like, that's
what they do.
That's how they get as rich as they
get.
Yeah.
Yeah, there's typically like a tier and I
could, if anyone's interested, there's my partners at
Factum have a really powerful presentation.
It's the one I do when I do
live presentations now because it's really powerful and
it really talks about, it's like a pyramid
and it's really about building a foundational wealth.
So in everyone, that looks different for everybody.
For a lot of people, it's a savings
and liquidity don't have much of a savings
and liquidity strategy.
Americans are notoriously horrible at saving.
And there's a reason for that because most
of the environments, savings vehicles are not good.
There's bank checking or savings accounts that earn
next to nothing.
And even those high yield savings accounts, they
can change them anytime because the bank runs
it, they control it.
I have a client who she started her
savings account.
It was great.
It was like five, 6%.
Now it's three and a half because they
control it, they get to change it.
These insurance contracts get locked in and they
can't change.
Only the guarantee part can't change for the
life of the contract.
So it's just another example of how the
benefit of these things.
There's just so many benefits.
And then there's that bottom part.
Then people who have other clients who are
crypto investors and they're a little savvier and
they just want a safe place to park
their money when they have a windfall and
they want to exit a position, they have
a place to put it.
We can structure the contract, the life insurance
contract to hold, be like a holding tank
for future windfalls.
And then they can just go back and
then when they go buy their next round
of crypto, they just take a loan from
their policy and then that safe growing asset
still chugging along doing its thing.
And I've got clients who are real estate
investors.
The same thing.
It's just, where are you putting your money
before you deploy it for whatever you're up
to?
Yeah.
And it's interesting you say, I mean, I'm
literally just that last year I've had like
a whole policy.
I don't know how long I've had it.
I wanted to invest in something and I
looked at my options.
I didn't want to pull cash from places.
I was like, oh man, I got that
whole thing.
And then I did, I took it and
it did exactly what I thought the money
was going to do, multiplying quickly and got
feedback.
It was just perfect.
And then you pay it off and then
the thing just sits there for use in
a future day.
So I'm using exactly what you're talking about.
And it's phenomenal.
I never used it actually before at that
time, but it works as a great tool
to be able to multiply my money.
There's a real aha moment when you start
to use it, right, Todd?
Yeah, I never thought of it.
Usually it's like sitting there and then when
you start to use it, you go, oh,
that's what this thing's for.
Yeah, somebody told me that a long time
ago.
I was like, yeah, that sounds like a
good idea.
That's the nice thing about having the show.
Like, yeah, it sounds like a good idea.
And that got like a policy set up,
just sat there and didn't think anything about
it.
Then you use it and all of a
sudden, like it's a significant gains.
Michael, there's people watching this right now and
listening that they're interested.
They want to take the next step.
They want to figure out more.
Like you said, a lot of this is
personalized to their own situation.
So where should they go?
What steps should they take to be able
to talk to you more about how this
can apply to them in their life and
kind of get more specifics about their personal
situation?
I think a great, there are a couple
of things that I think of right now.
One would be, and I could drop a
link in the chat or get it to
you separately, is to, you can register for
our foundational presentation that was created, I mentioned
before, by my partners at Factor.
I have a link for that.
And you start out by watching, it's like
a 50-minute presentation that just kind of
walks you through what this is and what
it can be.
And then once you watch that main one,
there are another five or six that are
related to different things like real estate or
automobile purchases, that kind of thing.
So that might be a good way to
do it.
And then you can, you've never put you
in my system, then I would know that
you want to learn about it.
And I can also drop my account on
the link.
People want to just reach out and book
a time for us to have a conversation.
Sure.
That either or, so.
All right, I love it.
Well, thanks so much for coming on with
us today.
Yeah, you're welcome.
My pleasure.
So listen, if you're watching this, make sure
you go to our show resources page.
You can go to creditsweek.com right there.
You'll be able to see our resources, go
to podcasts, and you'll be able to see
the show and be able to find Michael's
episode.
And you can get those special links that
he actually is talking about.
I'll put those right on the show resources
page.
Also, you can also go to factinfinancial.com
and at factinfinancial.com, you can get more
information from them, a lot of information on
Factum's site.
And then you can also go to the
bottom of factinfinancial.com and you can find
them on social as well.
And then Michael's got his own place, like
his own website, which is where I ended
up finding them.
And that is theperfectasset.com.
That's the word, the, T-H-E, theperfectasset
.com.
I know I'm not pronouncing the correctly.
I get that.
But if I said the, then it sounds
like, Ian, it started causing all kinds of
confusion.
So for the sake of this conversation, I've
decided- No one says the, I don't
think.
I don't know, they may say the.
We're gonna go with theperfectasset.com to go
to theperfectasset.com.
And that's actually Michael's site.
You can get a lot of info there.
I mean, it's shocking how much quality information
is there for you to be able to
look into as well.
So make sure you check that out at
theperfectasset.com or factinfinancial.com.
And again, while you're there, make sure at
Factum that you subscribe to their social as
well.
And don't forget to check out the Social
to Show Resources page where Michael's got a
few special links, including his calendar link where
you can schedule with him directly.
So thank you very much for tuning in.
Take care and have a great day.
You've been listening to the Business Credit and
Financing Show with your host, Ty Crandall.
Watch for our next episode to get even
more insight on financing and growing your business.
And don't forget to check us out online
at creditsuite.com for even more business growth
strategies.