Your Personal Bank Ferenc Toth

Avery Chi shares her personal story of her dream to become a US citizen. Avery is a Chinese national who dreamed of coming to the United States ever since she was young. She was able to obtain a student visa in 2014 to earn her Master's Degree. She then obtained a job in the IT industry. 
 
A company sponsors the employee for them to obtain a H1 work visa. The company is in control regarding processing the paperwork to obtain citizenship. Avery has been told an individual cannot initiate citizenship via the work visa program. 
 
Avery's company gave her the expectation that they would process her citizenship, but gave no time frame. After six years of employment, the company finally started her citizenship application, then laid her off. 
 
She now has 60 days to find another employer to sponsor her, or she will be forced to return to China.
 
Avery has lived in the United States for the past 9 years, her entire adult life. She loves this country and the opportunities it provides. She has been a productive member of society and wants to continue, eventually as a citizen. This is her American dream. Avery is exactly the type of person we want to immigrate to the United States.
 
Avery has attempted to do the right thing for 9 years and has been punished for it, while others are entering illegally and are being rewarded for it.
 
The US Immigration system is broken. Allowing people to enter this country without even knowing their name or purpose is unacceptable! Companies benefiting from highly educated cheap labor by dangling the citizenship carrot, stringing them along, then pulling the rug from them is also unacceptable.
 
Despite our problems, the United States is still a better place to live with more opportunities than most of the world. We could have the pick of the litter and choose the best and the brightest. That is what built this amazing country. America, and the world, is better because of immigrants like Elon Musk.
 
American citizens should demand our local, state, and federal governments enforce the law and stop illegal immigration. American citizens should demand anyone who came illegally to be deported and not allowed to return. American citizens should demand reforms to legal immigration to favor the best and the brightest and not allow companies to take advantage of people.
 
Any representative that allows the current immigration situation to continue needs to be voted out of office. The system only continues because those in charge benefit from the status quo. Let's send a message loud and clear to those in charge that America does not stand for taking advantage of people!
 
Until the current immigration system is fixed, crime will continue to rise, wages will continue to be depressed, especially for lower income earners, and inflation will continue to rise.
 
What can you do financially? Reduce debt. Protect your money from risk. Reduce your future tax liability. Ensure your money is liquid to take advantage of opportunities. Make positive cash flow on money you spend so it goes farther. Your Personal Bank does all these things.
 
Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

The Biden administration is doing everything in their power to take more power and control while making our lives more difficult. I have been an optimist my entire life.
When it came to our government I used to think that would never happen, then it did. I then changed to, nothing surprises me. Then, whatever I considered the worst case scenario that is what I expected. Now, I expect the truth to be something worse than my worst fears.
 
All the leading economic indicators are predicting a recession. The Biden administration continues to attack energy supply at every level. They have shut down pipelines, canceled oil and gas leases, closed millions of acres to energy development, and are holding up dozens of key energy projects with red tape. This will increase fuel prices in the short term. 
 
Inflation has ticked up again recently. Unfortunately, I believe our economy will get worse before it gets better. The policies of the next administration could alleviate much of the economic woes or significantly help improve things.
 
Our freedoms are also constantly under attack. Democracy can only last with an educated electorate.
 
The solution is clear. Will enough people stop voting for policies that are detrimental to themselves and all of us or will they vote for representatives that will reduce government interference and spending?
 
I wish I knew the answer. I honestly believe it could easily go either way. Education is the solution.
 
What can you do financially? Reduce debt. Protect your money from risk. Reduce your future tax liability. Ensure your money is liquid to take advantage of opportunities. Make positive cash flow on money you spend so it goes farther. Your Personal Bank does all these things.
 
Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

The Biden administration has cancelled oil and gas leases, banned natural gas transportation by train, and is instituting stringent restrictions on large trucks.
 
These policies will increase energy prices. This will further increase the cost to manufacture and transport nearly every product Americans purchase. This will further increase inflation for                                  much longer than most people realize.
 
The only solution at this time appears to be removal of the current administration. Hopefully, it will get bad enough that the majority of American voters will wake up and vote for the candidate that will reverse these policies and return us to low cost energy. Abundant, low cost, and reliable energy is what separates first world economies from third world economies. It is a primary driver of  economic prosperity. 
 
Higher energy costs hurts the poor and middle class the most. If you are in favor of higher energy costs so more green energy can be competitive you are anti-poor. Full period. Stop.
 
We will likely face higher interest rates and inflation for longer due to these policies. If the next administration reverses these and other policies that impeded economic activity, things will likely get better. Unfortunately, our economy will like suffer for the next couple of years before things get better. 
 
If these polices are allowed to continue for another four years, expect the economy to get much worse.
 
Economic changes will create opportunities. Reducing risk, reducing taxes, and staying highly liquid will allow you to be nimble with your funds.
 
Your Personal Bank funds are interest rate sensitive. Dividends will likely increase for the next 3-5 years+. They are also guaranteed, highly liquid, and tax-free. This provides options and allows you to weather economic storms and to take advantage of opportunities.
 
Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

 America has been an Oligarchy pretending to be a democracy for decades. 
                                   - What is an Oligarchy? A few people in power in control of the majority.
                                - Who is in the ruling class? Media, Big Business, Elite Colleges, Ultra-Weathy, Government (include members of both political parties, most Democrats and RINOS)
                     - Whenever you hear someone from ruling class/elite/insider “threat to our democracy” they mean "threat to our oligarchy"
                    -  Their goal is to maintain power.
                    - They emphasize our differences because they want to divide people and have us blame "the other side" for our problems
                    - While the people are distracted with "the other side" the ruling class continues to gain more power and money without notice
 
                            This is why most Americans believe our country is headed in the wrong direction. There are so many selfish people in the ruling class, focused on enriching themselves rather than                                            rather than improving society. If our country continues the current path we are headed towards decline and chaos, including economic chaos.
 
                            Due to the fact that the United States has been so strong economically for decades, I believe the process will take time. This means there is still time to course correct. 
 
                            The encouraging news is many people are waking up to the fact that they do not want to live in a 3rd world country or under government control. They like the constitution, the rule of law,                                   and the freedoms we have been blessed with for over 200 years.
 
                           What can you do to protect yourself financially? Regardless of direction, I believe our country will face some economic pain in the near future. Social Security and Medicare will have                                         shortfalls in a few years. The massive government debt will cause issues for decades.
 
                           Economic changes will create opportunities. Reducing risk, reducing taxes, and staying highly liquid will allow you to be nimble with your funds.
 
Your Personal Bank funds are guaranteed, highly liquid, and tax-free. This provides options and allows you to weather economic storms and to take advantage of opportunities.
 
Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

The Maui fire disaster is another example of government incompetence. Mask mandates, excess government spending, and high debt are other recent examples of government incompetence. Do you trust the current government officials to handle the next disaster? Based on previous experience, they are likely to make it worse. Nearly every leading economic indicator is predicting a hard recession. Ignore them at your peril. Protect your money, reduce market risk, reduce your tax liability, make more on your money by creating positive arbitrage. 
Your Personal Bank funds are guaranteed, highly liquid, and tax-free. This provides options and allows you to weather economic storms and to take advantage of opportunities.
Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

Record levels of Government Spending are likely to cause Hyper-Inflation or Deflation. The record levels of debt are uncharted territory economically. It is impossible to predict what will actually happen. 
 
With economic uncertainty the best thing to do with your money is to stay nimble. Keeping your money safe from market risk, highly liquid, and free from penalties or taxes will allow you to take advantage of opportunities. Winners and losers are created with extreme economic situations regardless of direction. 
 
Your Personal Bank funds are guaranteed, highly liquid, and tax-free. This provides options and allows you to stay nimble with your money to take advantage of opportunities.
 
Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.