Your Personal Bank

Ferenc Toth
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Your Personal Bank

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. 2D AGO

    Brigham Blackham Interview, host of the Levelin' Up Podcast

    Brigham Blackham empowers top leaders through the art of storytelling. With a background in teaching Mandarin and theater, he combines his expertise in communication and leadership to help entrepreneurs elevate their stories and drive impact through personal & professional development. As host of the Levelin' Up Podcast, Brigham focuses on building relationships that foster collaborative capitalism—unlocking growth through meaningful connections and shared success. He is a master connector to help you identify the ideal resources to take your life & business to the next level.        Us Government Debt is over $37 Trillion.   The US government's lack of financial responsibility creates an opportunity.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    55 min

  2. JUL 1

    If Houses are not Selling, Why are not Prices Dropping?

    Many people are confused. If houses are not selling, why are not prices not falling? There are several reasons.   Cause: Housing prices increased an average of 50% from 2019 -2024 in the US. Some areas increased up to 100%.   Strong purchasing demand plus limited inventory was the primary reason for prices increasing.   Housing affordability is at historical lows due to significantly higher mortgage interest rates and higher purchase prices. This has destroyed buying demand.   The average American household can no longer afford to purchase the average home in America.   Effect: Some homeowners are still hoping to cash in on the pandemic housing boom.   Low mortgages have a "lock-in effect". Many are reluctant to sell their current home and replace with a much higher interest rate.   Others are not delusional, they cannot afford to move.   Projection: There is hope on the horizon.   Housing inventory has increased to pre-COVID levels in many markets, particularly in the South and West.   Homebuilders are offering record levels of incentives for new homebuyers.   Rental rates have declined for 21 consecutive months. Investors are selling at record levels due to the declining rental income.   Job changes or life events are forcing some to move.   As time passes, the low interest rate mortgage "lock-in effect" is receding.   These are factors that will contribute to declining housing prices.     Us Government Debt is over $37 Trillion.   The US government's lack of financial responsibility creates an opportunity.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    49 min

  3. JUN 24

    How High can US Debt go before it Triggers a Financial Crisis?

    Excessive government debt has contributed to inflation and is pushing interest rates higher.   The government continues to add to the debt by spending more than it receives. The US government receives about $5T in revenues annually. They spend about $7T per year.   Higher interest rates and increasing debt is increasing interest payments on the debt at unsustainable levels.    Many are concerned the debt will lead to a financial crisis.   The big question is how high can US debt go before it triggers a financial crisis?   Government debt is currently about $37T. This is 121% of Gross Domestic Product (GDP).   Interest payments are about $1.1T annually. This is about 22% of annual government revenues.   Is the US at crisis levels? No. Not yet, but we are on an unsustainable path.   If interest on the debt continues to increase at current levels, interest payments will increase to about 30% of revenues in 5-7 years per Moody's.   If you have ever applied for a mortgage, you likely would have been declined if your debt to income ratio was above 30%. This is because lenders understand that if interest payments are too high, you are unable to maintain the payments.   The solutions are to increase income, reduce spending, or both. You already know this. You do this with your household budget.   The Trump administration is attempting to increase income via tariff income and reshore manufacturing to boost the economy (increase income).   The Department of Government Efficiency (DOGE) is attempting to reduce fraud and wasteful spending.   Only in Washington is common sense considered radical.     The US government's lack of financial responsibility creates an opportunity.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    52 min

  4. JUN 17

    Stocks have not been this Expensive Relative to Bonds in nearly 25 Years

    Pimco released a report recently and stated stocks haven’t looked this expensive relative to bonds in nearly 25 years. Bonds look better than they have for a long time.  Pimco states "The traditional world order — in which economics shaped politics — has been turned on its head,” according to a new five-year Pimco outlook co-written by Richard Clarida, now a global economic adviser at Pimco and formerly a Federal Reserve vice chair from 2018 to 2022. “Politics is now driving economics, especially in the U.S. and increasingly in how other countries respond.” Pimco recommends investors should start taking advantage of the highest returns in decades offered by fixed assets rather than chasing stocks at elevated valuations. I have recognized politics and government policies significantly affect our economy and our money for several years. This is why I share this info on my radio show.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    50 min

  5. JUN 10

    Why are President Trump and Elon Musk Bickering Over the "Big Beautiful Bill"

    Although I do not like Trump and Elon attacking each other, the conversation is very valuable and could lead to good results. Elon is bringing attention to the fact our government is taxing us too much and spending much of it on waste and fraud. The spending cuts are pathetic. The $1.5T in spending cuts is over 10 years. $150 billion per year in spending cuts is only about 2% of the approximately $7T annual spending. Our government increased spending 50% from pre-COVID levels. Our population increased 2% in the past 4 years. We need to push our representatives to do better. I don't believe it is too late to fix this. But this level of spending is unsustainable. The interest on the debt is currently about 25% of total government revenues and is rising rapidly. If you apply for a mortgage, you won't qualify if your debt to income ratio is above 30%. The interest on the debt is projected to increase to about 30% of government revenues in 5-7 years. The Trump administration is relying on future growth to fix the problem. Future growth is likely but not guaranteed. Spending cuts would definitely fix the problem. They would also help improve future growth. You already know this. If you have too much debt, you reduce expenses. If you can increase income, even better. Washington is the only place where common sense is considered radical.       This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.   Although I do not like Trump and Elon attacking each other, the conversation is very valuable and could lead to good results. Elon is bringing attention to the fact our government is taxing us too much and spending much of it on waste and fraud. The spending cuts are pathetic. The $1.5T in spending cuts is over 10 years. $150 billion per year in spending cuts is only about 2% of the approximately $7T annual spending. Our government increased spending 50% from pre-COVID levels. Our population increased 2% in the past 4 years. We need to push our representatives to do better. I don't believe it is too late to fix this. But this level of spending is unsustainable. The interest on the debt is currently about 25% of total government revenues and is rising rapidly. If you apply for a mortgage, you won't qualify if your debt to income ratio is above 30%. The interest on the debt is projected to increase to about 30% of government revenues in 5-7 years. The Trump administration is relying on future growth to fix the problem. Future growth is likely but not guaranteed. Spending cuts would definitely fix the problem. They would also help improve future growth. You already know this. If you have too much debt, you reduce expenses. If you can increase income, even better. Washington is the only place where common sense is considered radical.

    50 min

  6. JUN 3

    The Inventor of the 4% Withdrawal Rule has Updated His Recommendation. It is Significantly Less than Guaranteed Lifetime Income Benefits.

    Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in retirement.    The financial industry ran with this recommendation ever since.    JP Morgan projects the following on a typical portfolio:  Withdrawal Rate       Likelihood of not running out of Money     3%                            95 - 100%     4%                            85 - 90%     5%                            65 - 70%     6%                            40 - 45%  If you increase your withdrawal rate, your likelihood of success decreases significantly.   Current Guaranteed Lifetime Income withdrawal rates:    - Age 65: 7.5% guaranteed for life    - Age 75: 8.5% guaranteed for life    - Rates increase if you are older   You can increase your income significantly with 100% likelihood of success. You cannot outlive your income.     This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    53 min

  7. MAY 27

    Moody's Downgrades US Credit Rating, 30-Year Treasury Hits 5% (How to Increase Your Retirement Income Guaranteed)

    Moody's downgraded the US credit rating for the first time in history. This is the last of the 3 major credit agencies to downgrade the US credit rating. The primary concern is the increasing level of government debt.   As a result, the 30-year treasury bond yields rose to 5%. This is the highest level since 2007. Bond buyers will demand higher interest (yield) to purchase government bands due to the increased risk. Bond yields and higher borrowing costs will be higher until the government addresses fiscal responsibility.   Higher bond yields are one of the greatest threats to stock market asset values. Many large institutional investors shift their investments from the stock market to the bond market to lock in long term cash flow. 30-year treasury yields at 5% are a common benchmark for institutional investors to shift.    The 4% withdrawal rule is widely recommended to ensure you don't run out of money in retirement with a high likelihood of success. If you increase your withdrawal rate to 5%, your likelihood of success decreases significantly.   Current Guaranteed Lifetime Income withdrawal rates:    - Age 65: 7.5% guaranteed for life    - Age 75: 8.5% guaranteed for life    - Rates increase as you are older   You can increase your income significantly with 100% likelihood of success. You cannot outlive your income.   Higher bond yields increase fixed asset returns. Insurance dividends, annuity, and guaranteed lifetime income returns are expected to increase for the next 5-10 years.       This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    52 min

  8. MAY 20

    The Tariff War with China has been Paused

    China and the US have agreed to pause the 145% US tariffs and 125% Chinese tariffs for 90 days while they negotiate an agreement.   If the high tariff rates had gone into effect, it would have been similar to a trade embargo. Both countries have realized a trade embargo would be devastating to both economies.    The US imports about 5 times more from China than China imports from the US. The US is the largest purchasing economy in the world. The buyer has the power.    This gives the US a powerful position in this situation. We finally have a president that understands the strength of the US economy and is acting accordingly.   I am encouraged that the Trump administration will be able to negotiate a strong trade policy with China. Certainly better than the trade agreements for the past several decades.   In the meantime, there will likely be volatility until a trade deal with China is completed.    The Trump administration wants to complete a deal quickly. China historically takes a very slow, deliberate, and methodical approach.    The volatility could be over fairly quickly or could extend for a long period. Currently, there is no way to predict.   In the meantime, it would be wise to protect your investments and reduce your risk to the downside.       This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    53 min
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Ratings & Reviews

5
out of 5
3 Ratings

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 - 2025
  • Episodes
    100
  • Rating
    Clean
  • Show Website
    Your Personal Bank

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