Your Personal Bank Ferenc Toth

I have been sharing on the radio for nearly 5 years the power of Your Personal Bank to grow your money insured, guaranteed, tax-free, highly liquid, and create positive cash flow on money you spent.
Recently, I have met several people who were sold products that they thought would accomplish the above but do not. Frankly, they were misled by the insurance agent/financial adviser. 
 
There is a simple key to ensure your policy is designed to maximize cash value:
- 50%+ of your contributions are available day one if you are funding multiple years (non-MEC)
- 80%+ of your contributions are available day one if you are funding most of your contribution up-front (MEC)
 
If this is not the case with your policy, it is not structured to maximize cash growth.
 
If you are considering a high cash value policy or purchased one in the past decade, I likely can help you improve your cash growth with little or no cost or tax consequence.
 
If you believe you were misled or defrauded, you have consumer protections. I can review your policy and can advise if you have a reasonable chance of receiving a refund of your contributions (premium).
 
Also, the best positive arbitrage comes from bank lines of credit most years. Typically, banks offer lower interest rates than policy loan interest rates. When accessing funds from your policy, you want the option to borrow from whoever is offering the lower rate.
 
Banks will only offer lines of credit on about 6 insurance companies. The cash in the policy is the collateral for the bank loan. Banks research insurance companies more than anyone else. Their money's on the line. I recommend following the bank's lead. They are savvy about money. 
 
Why fund a high cash value policy with a company that the banks will not accept? You limit your positive cash flow (arbitrage) when you access funds. 
 
Contact me to obtain the list of insurance companies the banks will accept. I am independent and work with dozens of insurance companies, including the top companies.
 
Your Personal Bank policies are a powerful financial tool that can grow your money insured, guaranteed, tax-free, highly liquid, and create positive cash flow on money you spent. It frustrates me when someone is sold on the idea, but is then misled intentionally or otherwise. 
 
 
Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.
 
The federal government fiscal irresponsibility creates an opportunity.
 
You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!
 
 
I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

USC Code 18, Chapter 29, Section 611 - Voting by Aliens (Non-Citizens)
 
This federal law states it is not unlawful for any alien to vote in any election if the alien permanently resided in the United States prior to attaining the age of 16 and the alien reasonably believed at the time of voting that he or she was a citizen of the United States.
 
Therefore, being a citizen is not a legal situation. It is a state of mind.
 
There are many documented court cases of non-citizens voting, sometimes for decades, see attached The Washington Times Article: Noncitizens caught voting in U.S. elections — here’s how they did it.
 
It is well-documented illegal noncitizen voters are three times more likely to be Democrats than Republicans. This explains why the Democrats are overwhelming in favor of open borders. More illegals equals more Democrat voters.
 
It is estimated 10% - 27% of non-citizens or illegally registered to vote, see attached Just Facts Study. 
 
The US Census recorded 19 million non-citizens living in the US in 2022. There are many more illegals in the US in 2024. Based on 20 million non-citizens, 2 - 5 million non-citizens are illegally registered to vote. It is estimated about half vote in presidential elections.
 
The non-citizen vote has the potential to determine any close election. For example, it is estimated non-citizens gave Biden 33,000 to 69,000 votes in Arizona in 2020. The official final result was Biden won Arizona by about 12,000 votes in Arizona in 2020. Non-citizens likely gave the presidency to Biden. 
 
Many illegal aliens receive government benefits. Multiple polls show about 80% of illegal aliens prefer "a bigger government providing more services". This is double the rate of citizens.
 
Every illegal vote cast by a non-citizen nullifies the legal vote of a citizen, therefore subverting their Constitutional right to vote.
 
 
 
Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.
 
The federal government fiscal irresponsibility creates an opportunity.
 
You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!
 
 
I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

Your Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries
  to continue growth on funds even after you access the funds for other purposes.
 
Your Personal Bank TM is a two step process. 
 1. A high cash value policy is established to maximize cash growth, insured, with guarantees, income tax-free, and highly liquid.
 
 2. A bank line of credit is typically established using the cash in the policy as collateral to access funds.
 
Typically, the interest or dividends earned are higher than the cost of borrowing funds. This creates positive cash flow on money that is spent! This is known as positive arbitrage. 
 
You are able to earn interest on money spent each and nearly every year for the rest of your life. Positive arbitrage has typically been 2-3% annually for the past 40+ years. What if you earned 1-3% on money you spent each year? You would have significantly more money to live on for the rest of your life!
 
Why is this one of the best times to add Your Personal Bank to your portfolio?
 
Insurance companies invest heavily in bonds. Bonds are highly interest rate sensitive. Interest rates have increased at the fastest rate in the history of the Federal Reserve. Bond interest rates are 2-3 times higher than they were a couple of years ago. Insurance company profits are increasing as well. Dividends are profits of the company, therefore, dividends are expected to increase.
 
When the federal government spends more than it receives in tax revenue, it has to sell bonds to issue the currency. This is known as deficit spending. Also, the government does not pay down the existing debt. It sells new bonds at the current interest rate when the previous bond term expires to "roll over" the debt.  
 
Deficit spending is at all-time record levels. The overall debt continues to increase $1 Trillion about every 100 days. 
 
This is causing the federal government to sell record levels of bonds. And the amount of bond selling continues to increase. To entice institutional bond buyers to continue buying bonds, the government is having to offer higher and higher interest rates.
 
Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.
 
The federal government fiscal irresponsibility creates an opportunity.
 
You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!
 
 
I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

Growth is slowing. Prices continue to surge. This leads to stagflation. This is a nightmare scenario for the economy. 
 
This places the Federal Reserve in a very difficult situation. If they lower interest rates, inflation will increase. If they increase interest rates, the economy will slow down further. 
 
The US economy has not faced Stagflation since the 1970's. Stagflation is bad for the stock and real estate markets. Look at a stock market chart from the 1970's. It was an ugly decade.
 
This is the reason the Federal Reserve held interest rates and reiterated "higher for longer". Wall Street and the legacy media is finally coming to realize that the Federal Reserve is unlikely to cut interest rates through 2024 if not longer. 
 
Wall Street may be surprised that the economy is slowing, but main street is not. Anyone who buys food in the grocery store or buys gas understands this. I have been sharing this for over a year.
 
Interest rates have increased significantly and are likely to remain for an extended time. 
 
The economy has changed. It is time to increase interest rate sensitive assets in your portfolio.
 
Your Personal Bank dividends are insured, tax-free, with guarantees, highly liquid, and are likely to increase for the next 5 -10 years due to higher interest rates.
 
Index annuities provide double digit upside potential in good market years, with no downside risk, and tax-favored. Many of the better index annuity average returns have ranged from 6 - 11% 10 year average annual returns over the past 20 years. They are back in favor and are likely to provide strong returns for the next 5 -10 years due to higher interest rates. 
 
Insurance companies provide Your Personal Bank policies and annuity products. Insurance companies are more profitable in a normal to higher interest rate environment. If interest rates remain "higher for longer", Your Personal Bank policies and annuities will pay higher returns.
 
 
I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.
 
When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending. 
 
The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility.

 

Our Federal Government has revised the employment numbers nearly every month in 2023. The total job new job numbers were reduced by 360,000 in 2023 from the initial reported job numbers.
 
For example, the US Government initially reported 209,000 new jobs for June 2023. Then later revised down by 104,000 jobs. The real new job numbers were about half of the original job numbers.
 
Why is this so important. The one consistent bright spot in the economy has been low employment. If unemployment increases that will likely be the last straw before we experience a recession. 
 
The federal government is consistently over-reporting the new job numbers then quietly revising the numbers when no one is paying attention. I believe this is an effort make the economy look better for political reasons than it really is.
 
Once enough people and investors realize the truth, this could affect the market significantly.
 
 
I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.
 
When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending. 
 
The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility.
 


Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

Our Federal Government has spent more than it receives for decades. This has become worse over time. We now have over $34 trillion in debt and the debt is increasing about $1 trillion every 100 days. This is unsustainable. 
 
We have tried deficit spending for decades. It has caused inflation, economic instability, and is a national security issue. 
 
What if the government lived within its means? How about we try that for a while? That would be common sense.
 
I believe the excess spending will lead to financial chaos sooner than most people think. We are speeding towards a financial cliff.  We need financial sanity. We need common sense.

 
 
I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.
 
When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending. 
 
The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility.
 


Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.