Your Personal Bank

Ferenc Toth
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Host Ferenc Toth will discuss how in the weekly show - how to think like a banker versus an investor. Your Personal Bank is a powerful financial tool used by the wealthy for centuries. Everything we are experiencing in life, change seems daily. Technology. The way we Shop. With all the change in our lives, why are approaching our investments, our finances the same way we have always? The Show that can change your financial life. Contact: (866) 515-6280, ferenc@yourpersonalbank.com, Or Online at yourpersonalbank.com.

  1. 6D AGO

    How Legal Immigration Impacts Our Economy

    Included in the Census:  - Illegal Aliens  - Green Card Holders  - Work Visa Holders  - Student Visa Holders Why should we have representatives representing this wave of foreigners?   There is Daycare fraud, EBT fraud, Hospice fraud, Medicaid fraud, Medicare fraud, Medical Transportation fraud, SNAP fraud, but we are supposed to believe there is no election fraud?   We are told about 20 million illegal aliens entered the US during the Biden administration. When ICE is deployed, airport lines plummet, building sites become ghost towns, class sizes shrink, emergency rooms are not full, and traffic jams are eliminated. I think the 20 million number is bogus. There are credible estimates that there are as many as 100 million illegal aliens in the US.   H-1B was sold as the "best and brightest". H-1B visa employees are paid an average of 15% less than US workers at the same jobs. 87% of H-1B's are entry-level positions. About 94% of H-1B applicants were approved from 2009 - 2025. It has become a system for cheaper labor. Many US citizens, especially younger Americans are struggling to find or keep jobs. Less people are able to save, buy a house, or start a family. This makes the American Dream more difficult and hurts our economy.    Every dollar spent on foreigners is a dollar stolen for Americans.   Americans did not vote for a flood of foreigners to take our jobs and create a welfare state.   We have suffered the highest inflation in a generation. If we deported the illegals and reduced legal immigration, food, housing, and nearly everything else we need to live would be cheaper. Insurance rates would decline. The government would spend less on welfare. The government deficit could be eliminated. Government debt could possibly be reduced. Fraud would decline. Our streets would be safer. Emergency room wait times would be reduced. Class sizes would be smaller. There would be less traffic jams. Airport lines would be shorter. Nearly every aspect of US citizens' lives would improve.   This negatively impacts our economy. This creates uncertainty and instability. Uncertainty creates volatility. Protecting your assets becomes more important. Index products provide unlimited upside gains with no downside market risk. There are index annuity products that have averaged 10-11% average annual returns for the past decade while the principle is guaranteed.    There is a common misconception that if you want guarantees you have to give up strong returns. That is not true.

    54 min

  2. MAR 23

    What is the Purpose of Government? To Protect and Benefit its Citizens.

    The government is not serving its purpose when it is not protecting and benefiting its citizens. When it actively prioritizes anyone over citizens, those policies need to be changed. If the government makes citizens' lives more difficult, challenging, or less safe, anyone involved needs to be replaced.   Housing has never been more unaffordable.  - Government contributed to the problem by spending too much. - Excess government spending increased inflation. - 49% of Americans are struggling to pay their rent or mortgage. - The government allowed too many people into the country. This is stressing housing supply.   The labor market is weakening - A record 100+ million working-age adults are not working in the US according to the Federal Reserve. - Amazon received 10,000+ H-1B visa approvals and fired 14,000 American citizens in 2025. - US companies often pay foreign born workers 20-35% less than US citizens. Some work visas don't require companies to pay employment taxes. - A majority of recent STEM college graduates have been unable to find jobs in their field. - A weak labor market can lead to recession.   DOGE, Nick Shirley, and others have uncovered staggering amounts of government-related fraud. - Every dollar stolen from Medicare results in less for a sick child. Money stolen from Social Security risks low-income seniors.  - Anyone who really cared about the poor or elderly would be the loudest against fraud. - Instead, Elon Musk and Nick Shirley have been attacked by leftists and Democrats. - Who is benefitting from the fraud? Those who are defending the fraud by attacking anyone who exposes it.   Government fraud threatens our society - Western civilization is founded on the rule of law. - We elect representatives to create and enforce the laws. - When people in government favor non-citizens to gain and maintain power, citizens feel used and abused. - When foreigners who barely speak English, don't assimilate, and often hate us yet are diving expensive cars, buying beautiful homes, and clearly scamming the system, it creates anger. - If you work hard, pay your taxes, play by the rules and are barely getting by, you feel like a fool. - If enough people start feeling this way, society will unravel rapidly.

    54 min

  3. MAR 16

    Why I Was Initially Against the Iran War, But Gradually Changed My Mind

    Initially I was against the Iran War. I realized it was a knee-jerk reaction to forever wars.   Below are the reasons why gradually have come to support it. 1. Trump is different than previous presidents. 2. Iran is the #1 sponsor of terrorism in the world 3. This is about China and oil, not just Iran. China's primary allies for oil was Venezuela and Iran. Wars need oil. This weakens China militarily. 4. Strengthens dollar as world reserve currency and weakens the BRICS currency. Without access to Venezuelan and Iranian oil, China is forced to purchase oil in US dollars. 5. Demonstrates US strength. US military and technology is impressive. This discourages bad actors. "Speak softly and carry a big stick" Teddy Roosevelt. 6. Good for the US. It is America First. This sets up the US for global economic and military dominance.

    54 min

  4. MAR 9

    Common Myth: If You Want Guarantees, You Have to Sacrifice Strong Returns. This is False.

    Ferenc Compares Index Annuities with the new Hybrid Annuities   1. A common myth is that if you want guarantees, you have to sacrifice strong growth. This is no longer true.   2. Ferenc shares a new client case that compared an Index Annuity with a Hybrid Annuity.                                            Hybrid Annuity                                          Index Annuity           Growth:                       Limited: capped at 11-17% annually         Unlimited: no cap          Downside Protection:  Partial: 10-20%                                         Full: principle guaranteed       Annual Fees:               2.5%                                                         None   3. If you have an annuity that has had under 7% returns the past couple of years, you have a subpar product with poor returns. You should consider comparing a superior product.   4. If you have an early surrender penalty, bonuses of 22-29% are available to offset the penalty with strong index options.

    54 min

  5. MAR 2

    Ferenc Dispels the Most Common Myths and Misconceptions with Index Annuities and Index Universal Life Policies

    Ferenc Dispels Several Myths and Misconceptions with Index Annuities and Index Universal Life Policies including:   1. If you want guarantees, you don't have to sacrifice strong returns. If you own an index product with poor returns, you are invested in the wrong indexes. 2. Unlimited upside with no downside risk is "too good to be true". Ferenc explains insurance companies invest the interest, not the principle. This provides indexes with 10-12% 10-year average annual returns while guaranteeing the principle.  3. Limited access to funds. Index Universal Life provides significant access to funds, tax-free growth, and access. Traditional qualified accounts (IRA/401k's) withdrawals are taxed. Large withdrawals typically create large tax liabilities. Index annuities early surrender penalties are typically far less than the tax liability. Index annuities are an excellent fit for traditional qualified accounts. 4. Market Value Adjustments are reducing early surrender charges significantly. Most of my clients surrender charges recently have been eliminated in a year or two. This provides full liquidity quickly.

    54 min

  6. FEB 23

    Ferenc Shares Several Recent Client Meetings, Including How a Client Received a 20% Return with their Index Annuity Last Year

    Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights.       1. An annual review with a client who received 20% return with their index annuity this past year.      2.A review with a client that invested in index annuities and high cash value policies in 2007, then guaranteed lifetime income later. Very interesting story through the Great Recession..      3. Planning meeting that potentially doubled income for retirement.   US household debt has hit new records. It has doubled in the past 20 years. This will likely lead to a weak economy, possibly a recession.    Average rent has declined in markets that are overbuilt. Some markets have dropped 20%. The Brookings Institute estimates there are 300,000 fewer people in the US than the previous year.This was the first time in 50 years that more immigrants left America than entered it. Brookings projects about 1,000,000 will leave in 2026. Rents will likely continue to decline.   Housing buyer demand has hit the lowest level on record. In 2005, the median income was $46,000 and the median house price was $184,000. In 2026, the median income is $59,000 while the median house price is $450,000. In 20 years, income increased 20% and house prices increased 150%.   Homebuilders continue to build new homes. The number of unsold completed new homes have hit the highest level since 2011. Building permits hit a five month high. Despite increased inventory, homebuilders are continuing to build. Home prices are likely to continue to decline.   Realtor.com states one of the following needs to occur for homebuyer demand to return:      1. Mortgage rates fall to 2.65%.    2. Household incomes rise 56% to a median of $132,171.    3. Median home prices drop 35% to a median of $273,000.

    54 min

  7. FEB 16

    Precious Metals Continue Massive Volatility

    Gold dropped 5% while Silver fell 10% in one day recently. The S&P 500 Index has stayed in a range between 6800 and 7000 since the beginning of the year. 2026 may become known as the year of volatility.   This is not a surprise. I stated about a month ago that gold and silver had increased in value so quickly that it was unsustainable. I also stated it would be a good time to lock in some gains. When assets increase in value rapidly, they typically correct and have a period of volatility.   The US economy is in a period of historical change. This creates uncertainty. Uncertainty leads to volatility. A correction is probable.   Index products allow you to participate in potential upside gains while protecting your downside. This is the best time in 40+ years for index product returns.    There are 100's of index's. Ferenc has access to proprietary software that shows the one, 5, and 10 year returns. Contact Ferenc at ferenc@yourpersonalbank.com to review the index performance report to choose the highest performing indexes. Earn unlimited upside potential with no downside risk!

    54 min

  8. FEB 9

    Gold and Silver Values Plunge

    Gold prices have dropped suddenly after a historic increases over the past year. Silver plunged 26% in one day, the largest drop in history.   Gold and to a lessor degree silver prices had increased dramatically due to concerns about inflation and excess money printing by the Federal Reserve. Leverage exaggerated the rise in prices and the crash. As prices dropped, many investors faced margin calls which forced them to sell at any price and created a cascade. This is a common cycle of asset bubbles and when the bubble bursts.   This changed when Trump announced Kevin Warsh as the new Federal Reserve Chair. Kevin served as a Federal Reserve Governor from 2006 thru 2011, during the Great Recession. He was highly critical of the Federal Reserve continuing to print money after the crisis was over. He eventually resigned his seat in protest.   This appointment shocked the markets and signaled a major change in future Federal Reserve policy. The current asset bubble in the stock market, real estate, precious metals, and cryptocurrency was largely created by money printing. Kevin Marsh will likely stop excess printing and sell down the Federal Reserve assets.    Volatility is expected as the economic policy changes are implemented. This could be a bumpy ride, even stomach churning for investors.    If you want to participate in future potential upside gains without the stress of potential significant losses, index products could be the best solution for you.   Index products allow unlimited upside potential gains with no downside market risk. Principle is guaranteed. We have several indexes that have generated about 7-11% average annual returns the past 10-20+ years. Some have earned up to 27% in one year recently! All with no cap, no fee, and no downside losses.

    54 min
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About

Host Ferenc Toth will discuss how in the weekly show - how to think like a banker versus an investor. Your Personal Bank is a powerful financial tool used by the wealthy for centuries. Everything we are experiencing in life, change seems daily. Technology. The way we Shop. With all the change in our lives, why are approaching our investments, our finances the same way we have always? The Show that can change your financial life. Contact: (866) 515-6280, ferenc@yourpersonalbank.com, Or Online at yourpersonalbank.com.

Information

  • Creator
    Ferenc Toth
  • Years Active
    2019 - 2026
  • Episodes
    100
  • Rating
    Clean
  • Copyright
    © Your Personal Bank LLC
  • Show Website
    Your Personal Bank