Your Personal Bank with Ferenc Toth
If you want to live like the wealthy, you need to think like the wealthy. Join Ferenc Toth each week for the Your Personal Bank™ Show, Saturdays at 10:00AM. Your Personal Bank™ is a powerful financial tool typically only shared with the ultra-wealthy by the financial industry. Learn how to gain control of your money . . . create tax-favored income . . . and access more funds over your lifetime. It’s the Your Personal Bank™ Show . . . the show that can change your financial life. Call 866-268-4422 for more information.
Episodes
The 30-year treasury surged to over 5.5%, the highest level since 2004.
The 10-year treasury exceeded 5.25%, the highest since 2007.
The federal government debt is over $40T and is adding about $2T of debt per year. This is the primary reason why bond yields have been rising since 2022. It will likely continue to increase in the future.
Rising bond yields are making equities less attractive. The extra return stocks typically offer...
Why are fuel prices still climbing, and who's really responsible? On this week's Your Personal Bank Show, Ference Toth digs into the hidden factors driving diesel and gas prices higher, from refinery shutdowns to energy policy decisions. He also breaks down major changes to H-1B visa programs and what they could mean for American workers. Plus, learn why today's financial environment may be creating unique opportunities for retirem...
The Federal Reserve recently increased interest rates 0.25% recently. This is the first rate increase since July 2023.
The reasons cited were to address stubborn inflation. Inflation is primarily caused by the government spending too much money. This pushes interest rates and long-term bond yields higher.
Also, the Federal Reserve signaled there would likely be another ...
Some Americans are frustrated that affordability has not improved quicker.
The US has not built a major oil refinery since 1977. Oil prices have remained high primarily due to limited refining capacity. The Trump administration recently announced the first major oil refinery since 1977.
Allowing too many people into our country has created increased prices for food, hou...
This is the Golden Era of Fixed Assets
Best index and income annuities available in my 27-year career!
- Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years
- Up to 27% signing bonuses are available up to age 89 in most states.
- Highest guaranteed lifetime income
o 8-10% guaranteed annual income increase rollup
o Up to 45% bonus available in most states
Index (growth) annuity
- Strong upside potential gains
...
The US Supreme Court has allowed the United States Postal Service to require unique bar codes on mail-in ballots.
Ballots will be tracked similar to packages. This eliminates duplicate ballots and will greatly reduce fraudulent ballots.
The USPS does not determine voter eligibility or decides who receives a ballot. They do not open the ballots nor see the actual votes. This eliminates duplicate ballots. The unique barcode on the en...
This is the Golden Era of Fixed Assets
Best index and income annuities available in my 27-year career!
- Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years
- Up to 27% signing bonuses are available up to age 89 in most states.
- Highest guaranteed lifetime income
o 8-10% guaranteed annual income increase rollup
o Up to 45% bonus available in most states
Index (growth) annuity
- Strong upside potential gains
...
Index Annuity Poor Performance Reasons
1. Caps and other limits
2. Indexes with historical low returns
3. Low interest rates when purchased (2022 or earlier)
Who should contact me:
1. Own or considering annuity with caps (less than 10% annual caps)
2. Suffering low returns (likely poor performing index)
3. Purchased annuity 2022 or earlier
See omnystudio.com/listener for privacy information.
Ferenc shared the best index annuity product he has seen in his 26-year career recently became available. Unfortunately, this product is only available up to age 80.
Now, the best index annuity product for 81-89 year olds has recently become available.
There are two options:
1. S&P 500 and NASDAQ 100 indexes with 9-10% average annual returns pa...
New technology has created market bubbles throughout history. The technology changes, the times change, yet human behavior does not.
The price of an asset ultimately is what someone is willing to pay for it. When there are not more buyers willing to pay the price, the correction starts.
It is not about intelligence. It is about understanding the perceived value and what...
UBS has stated that 60% of companies are greatly reducing their US Artificial Intelligence usage in favor of Chinese AI due to the reduced costs.
Chinese AI costs are up to 95% less than US AI technology.
Benchmark tests are showing that Chinese AI is 80 - 95% as effective as US AI.
It is becoming difficult for companies to justify the cost of US AI with the Chinese models nearly as efficient.
AI related US stock valuations are pr...
The US Equity Market Valuation has hit the highest level ever recorded!
This combined metric includes P/E, Forward P/E, Shiller P/E, EV/EBITDA, Price-to-Book, Price-to-Sales, Q Ratio, Return on Equity (RoE), and the Warren Buffett Indicator.
The US Equity Market Valuation metric has hit the 80% percentile 5 times since 1900. Each time this happened previously, US stock performance suffered underperformance for years.
Warren Buffet...
IPO's over the past 45 years that debut above 40x sales underperform the market by 58% over the next 3 years.
SpaceX IPO initial price was about 90x sales.
The lower the price to sale ratio, the better the returns long-term.
The top 10 largest IPO's price dropped an average of 35% in 6 months.
IPO's tend to issue a the end of a bull market not when stocks are cheap.
70% of Bank of America's bear market indicators have trigge...
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