Your Personal Bank Ferenc Toth

In the 1970's, Saudi Arabia agreed to sell their oil exclusively in US currency. In return, the US agreed to protect Saudi Arabia. Recently, Saudi Arabia has decided to not renew the agreement. They will sell their oil in multiple currencies. 
 
This is a seismic event economically. It will have massive affects in the short and long-term.
 
This agreement solidified the US dollar as the world's reserve currency. Any country or company that bought oil from Saudi Arabia had to use US dollars. Also, about 80% of world trade is transacted in US currency.
 
This has created a strong demand for US dollars worldwide. For example, it is estimated there are more $100 bills in Russia than the US because of the need to use US currency to purchase oil or trade internationally. 
 
The US government has been able to easily sell bonds due to the global reserve currency status. Due to the perceived safety, the interest rates offered on US bonds were lower than bonds from other countries. This has had the affect of keeping interest rates lower in the US.
 
The reduced demand for US dollars will likely have the following economic effects:
 
Interest rates will higher on average in the future than the past 50 years.
 
Goods produced outside the US will cost more. This will increase inflation.
 
The US will have less influence geopolitically due to the weakened reserve currency status.
 
 
Protect your money. Diversify your portfolio. This is particularly important with increased uncertainty. Reduce market risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. 
 
This is the best time to invest in annuities and high cash value insurance in 40+ years. Fixed interest assets are expected to increase for the next 5 -10 years due to higher for longer 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!

 Hon. David M. Walker is a nationally and internationally recognized fiscal responsibility, government transformation/ accountability, and retirement security expert. He is a non-practicing CPA with over 40 years of executive level experience in the public, private and non-profit sectors, including heading three federal agencies (two ERISA agencies), two non-profits, and leading a global service line for Arthur Andersen LLP. His most recent full-time federal position was as the seventh Comptroller General of the United States and CEO of the U.S. Government Accountability Office (GAO) for almost 10 years. This was one of his three Presidential appointments by Presidents from both political parties, with unanimous Senate confirmation each time. Dave also served as one of two Public Trustees for Social Security and Medicare from 1990-1995, and as the first Chairman of the Independent Audit Advisory Committee for the United Nations.
 
Most recently, Hon. David M. Walker served as the Distinguished Visiting Professor and Crowe Chair at the U.S. Naval Academy where he taught the Economics of National Security. He currently serves on a number of government and non-profit Boards and Advisory Committees, including the Defense Business Board, the Federal Fiscal Sustainability Foundation, and as a National Co-Founder of No Labels.

 It is official. Our justice system has been corrupted. Our country is not the same. 
 
Sadly, the end is near. If we continue down this path, you will not recognize our country or society soon. 
Just because we have enjoyed Constitutionally protected freedoms, does not mean we will automatically continue to do so in the future.


 
Any honest and fair-minded person will realize the democrats have gone too far. 
 
This is not about Trump. This is about what kind of country and society do we want to live in. You can no longer deny this. If they can railroad Trump, what can they do to you?
Our country is in distress. Fly your flag upside down.
 
It is not over. People are waking up. How will this affect us?
 
Biden administration has authorized Ukraine can use US-made weapons to attack Russia. The Biden administration went after Trump. They are escalating the war in Ukraine. They are not done. They are willing to create chaos to maintain power.
 
 
Regardless who wins in November, I predict a rocky road this year.
 
Protect your money. Diversify your portfolio. Reduce market risk. This is the best time to invest in annuities and high cash value insurance in over 40 years. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. Fixed interest assets are expected to increase for the next 5 -10 years due to higher for longer 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 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.