Your Personal Bank Ferenc Toth

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.

Truth in Accounting believes truthful accounting is the key for citizens, legislators, and the press to understand the truth about government finances.
 Sheila Weinberg Bio Picture.pdf
 
Truth in Accounting recently released The Financial State of the Union. This is a review of the latest available audited Financial Report of the U.S.
Government. Go to yourpersonalbank.com to review.
 
Sheila Weinberg, Truth in Accounting founder, shares powerful financial information regarding the financial state of the US government, states, cities, and Social Security. This is information anyone who receives or plans to receive Social Security needs to know. Also, government employees and retirees need to know the financial info that likely will affect their retirement. This  is an interview not to be missed.
 
 
 
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.
Please contact me with any questions.

The compound effects of inflation over the past 3 years is forcing many Americans to make difficult financial decisions.
 
When the federal government spends more than it receives through tax revenues, it prints the extra dollars. This increases the amount of currency in circulation. Extra dollars chasing products and services increases prices. This is the cause of inflation.
 
The US government is expected to spend $2.5 trillion more than it will receive in tax revenues in fiscal year 2023. As long as the federal government continues to spend more than it receives, inflation and interest rates will be pushed higher. This is the reason the Federal Reserve has stated to "expect higher for longer" regarding interest rates.
 
 
 
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.