Your Personal Bank

President Trump has signed many executive orders.   Some of the challenges will be resolved quickly. Others will take more time.   The federal debt will likely push yields and interest rates higher for several years.  Ferenc shares why this is happening.    When bonds mature, the government sells a new bond at the current interest rate. About $3T of the $36T of total debt matured in 2024. That was...

Higher bond yields (interest rates) benefits savers and punishes borrowers.   How to thrive in a higher bond yield environment : 1. Pay down debt, particularly high interest debt. Your Personal Bank can accelerate debt pay-off. 2. Reduce market risk. Higher bond yields are a risk to stock market returns. Higher cost of borrowing tends to reduce company profits. 3. Increase returns in fixed assets...

Insurance dividends are 6%+ while policy loan rates are 5-5.3%.  Dividend rates currently average about 1% higher than the cost of borrowing.   Dividends are expected to increase for the next 3-5 years if not longer.   Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt...

The primary cause of the Revolutionary War was taxation without representation.   Today we have a government that taxes us then sends billions of dollars to other countries, many who hate us.   Did you vote for this? Do you support this? Most American citizens do not.   The border has been open for the past 4 years. Most Americans want a secure border. The recent election proved this.   The govern...

Ferenc shares his popular annual successful goal setting message!   He shares life-changing ideas on how to identify areas of your life that could use improvement using the Wheel of Life.   Ferenc also shares the 4 steps to successfully accomplish goals.    Many listeners have shared successful goal setting stories over the years that were inspired by Ferenc's message.     Blackrock, Goldman Sachs...

Ferenc gets personal and shares his story for the first time in his radio career!   You will be captivated by Ferenc's extraordinary story. He shares the events that shaped his life and why he thinks the way he does.      Blackrock, Goldman Sachs, and JP Morgan analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank...

This is the best time to establish Guaranteed Lifetime Income in 42+ years!    There are guaranteed lifetime products that offer up to a 30% bonus with a 8% guaranteed benefit increase annually. You can increase the income you receive in one year by 40%, guaranteed for life. Other products offer a 10% annual increase in your guaranteed lifetime income benefit. If you defer income for 7 years, y ou...

Investors either don't see risks or don't care about them.    AI optimists are behaving like the investors who got burned in the Great Depression and dot-com bubble, Vanguard's chief economist warns.   The Stock Market Is Doing Something It's Never Done Before - Investors Could Be "Playing With Fire," According to Warren Buffett The Buffett Indicator shows US stocks are overvalued at 200% of GDP,...

The US added $11.8 Trillion of debt since 2020.   The government owes $108,000 for every American, man, woman, and child.   Deficit spending as % of GDP is at World War 2 levels.   25% of government receipts pay interest on the debt annually.   The massive debt will push interest rates upwards until the government starts paying down the debt significantly. This will increase the cost of purchasing...

John Burley With 35+ years of investing experience and thousands of  (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley   has the perfect mix of street-savvy knowledge and sound investing principles. John is a Pioneer in the Real Estate Investment Business, originally trained in the World of Wall St., in 1989 he left and founded his Private Equity Company...

- Warren Buffett has sold more stock this year than at any time in his career. - Berkshire Hathaway is sitting on the most cash in its history. - Warren Buffett did not purchase a penny in stock in the third quarter of 2024. - The Buffett Indicator shows US stocks are overvalued at 200% of GDP, one of the highest levels in history.   Blackrock, Goldmann Sachs, and Vanguard all predict low stock re...

How will Trump administration policies affect our economy and money?   Drill, Baby, Drill   Energy prices affect nearly every product we purchase. Higher energy costs increase prices and inflation. Increased production will lower energy prices. Lower energy prices will reduce inflation.   Deport illegal immigrants   Total cost to transport, house, feed, and support estimated about $500 billion ann...

The US Treasury Department plans to borrow an additional $1.37 Billion in the next 6 months. This will push the debt over $37 Trillion. Deficit spending is driving bond yields higher. This will continue as long as the government has significant debt.  Higher bond yields increase insurance policy dividends.     Multiple insurance companies have officially announced increased dividends for 2025! Mos...

Multiple insurance companies have officially announced increased dividends for 2025!   Most insurance experts predict dividends will continue to increase for the next 3-5 years up to the next 10 years.   This is the best time to invest in high cash value insurance and annuities in 42+ years.     The stock market, bond market, gold, and mortgage rates are all up.   The stock market is expecting a "...

The recent hurricanes demonstrated that reliance on government is unwise. It could even get you killed.   The FEMA website offered $750 to US citizens who lost everything in the recent hurricane that destroyed much of western North Carolina. FEMA also recently announced they did not have the funds for another hurricane. Why did FEMA supposedly run out of money?    According to the FEM website, the...

With 35+ years of investing experience and thousands of  (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley   has the perfect mix of street-savvy knowledge and sound investing principles. John is a Pioneer in the Real Estate Investment Business, originally trained in the World of Wall St., in 1989 he left and founded his Private Equity Company, where he s...

Kip and Lora Brown used Your Personal Bank to enhance their real estate investment business and allow Kip to retire from his corporate IT career early.   Kip and Lora share their story and now help others achieve their goals as life coaches.   Kip is a successful IT Professional. He traveled across the world making millions for the businesses he worked for. He discovered that his dedication and ha...

1. Stocks have been rising like a "soft landing" has already occurred.   2. Gold has been rising like we are in the midst of a major economic crisis.   3. Bonds have been falling like the Federal Reserve has finished cutting interest rates.   4. Real Estate has been rising like interest rate cuts just started.   5. Oil has been falling like demand is reducing due to recession.   6. Natural Gas has...

The Federal Reserve surprised many people with a 0.5% rate cut recently.   Some are touting this as a good thing, especially the current administration and the legacy media.   Every time the Federal Reserve moved interest rates lower by 0.5% or more previously, it was due to a crisis or really bad economic news.   The Federal Reserve does not lower interest rates from the kindness of their heart....

You may be able to sell assets with zero capital gains if your gross income is below $120,000 married, filing jointly, or $60,000 as a single.   Also, capital gains will increase in 2026 if congress does nothing.   If you have assets subject to capital gains, take advantage of the historical low tax rates while they last.   Most Americans pay payroll taxes, sales tax, property tax, income taxes, a...

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....

The US Labor Department has revised the jobs numbers down nearly every year for over a year. Now the government admits to inflating the jobs numbers by reducing the jobs numbers by up to one million over the past year.   Many American consumers are supplementing their living expenses with debt. Credit card balance is at an all-time high. Credit card defaults are at the highest level since 1991.  ...

July 2024 Consumer Price Index (CPI) was reported at 2.9%. This is the lowest level since March 2021.   Although the rate of inflation is slowing down, prices are not going down. They are still increasing. The cumulative price increases over the past 3 years are hurting Americans.    Despite what you hear from the media and Wall Street about a potential rate cut, the Federal Reserve is far more co...

The AI tech bubble has burst due to a weak unemployment report, poor earnings, and a surprise Japanese interest rate increase.    A popular institutional trade was to borrow money cheaply in Japan, then use margin to invest in assets that vary in value like tech stocks. When the cost of borrowing increased, so did the capital required to borrow. This created a huge amount of margin calls. The mass...

- A recent CNN study reports 39% of Americans are concerned about paying their bills. In comparison, 37% were concerned about paying bills during the Great Recession in 2008 - 2009. - Household debt has set a new record high. - Credit card debt is at record highs. Banks are bracing for major loan defaults. - 25% of Americans have resorted to skipping meals to avoid high food prices.   - The rate o...