Your Personal Bank with Ferenc Toth

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

May 4, 2026 54 mins
The US Supreme Court ruled that states can no longer use race to draw congressional districts. 20-30 house seats are represented by districts drawn to represent minorities. The court ruled this violated the Equal Protection Clause and the civil rights of the majority of voters. Democrats have benefited for decades with these congressional districts. This is a massive change in political power that will likely benefit the Republican...
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Two things have caused me to be concerned about conditions that could lead to the Next Civil War.
Hope it does not happen. Not encouraging violence. Using common sense, historical insight, human behavior.
 
1.Virginia redistricting
   - Everyone gerrymanders
   - 51% disenfranchised 49% of voters in VA
   - New England averages 42% republicans, yet only one repu...

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The US controls Venezuelan oil and has blockaded Iranian oil.
 
The US has blockaded the Strait of Hormuz. About 50% of China's oil came through this strait.
 
The US has established a security agreement with the Indonesia. About 80% of China's oil travels through Indonesian Straits.
 
The US has eliminated the cheap oil to China from Iran and Venezuela.
<...

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When negotiating a salary or a raise, most people don't know what they are up against.

Many companies purchase data from payroll processors and other sources to optimize salary expenses. This info often includes previous job incomes and what increases you recieved. The info obtained by companies include address changes, credit card utilization, delinquent debt, and past due balances. This data aggregation determines the lowest sala...

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April 6, 2026 54 mins
Millions of illegal aliens flooded into America during the Biden administration and previous years. They were given cash, food, shelter, and many other benefits. There is even a scholarship specifically for illegals. The Dream US is the nation's largest program for undocumented immigrant students. Illegals get $33,000 for a bachelor's degree. They have awarded over 12,000 scholarships to date. The lynchpin for these giveaways is th...
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Included in the Census:
 - Illegal Aliens
 - Green Card Holders
 - Work Visa Holders
 - Student Visa Holders
<...

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The government is not serving its purpose when it is not protecting and benefiting its citizens. When it actively prioritizes anyone over citizens, those policies need to be changed.
If the government makes citizens' lives more difficult, challenging, or less safe, anyone involved needs to be replaced.

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Initially I was against the Iran War. I realized it was a knee-jerk reaction to forever wars.

Below are the reasons why gradually have come to support it.

1. Trump is different than previous presidents.

2. Iran is the #1 sponsor of terrorism in the world

3. This is about China and oil, not just Iran. China...

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Ferenc Compares Index Annuities with the new Hybrid Annuities
 
1. A common myth is that if you want guarantees, you have to sacrifice strong growth. This is no longer true.
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Ferenc Dispels Several Myths and Misconceptions with Index Annuities and Index Universal Life Policies including:
 
1. If you want guarantees, you don't have to sacrifice strong returns. If you own an index prod...

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Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights. 
     1. An annual review with a client who received 20% return with their index annuity this past year.
     2.A review with a client that inve...

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February 16, 2026 54 mins
Gold dropped 5% while Silver fell 10% in one day recently. The S&P 500 Index has stayed in a range between 6800 and 7000 since the beginning of the year. 2026 may become known as the year of volatility. This is not a surprise. I stated about a month ago that gold and silver had increased in value so quickly that it was unsustainable. I also stated it would be a good time to lock in some gains. When assets increase in value rapidly,...
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February 9, 2026 54 mins
Gold prices have dropped suddenly after a historic increases over the past year. Silver plunged 26% in one day, the largest drop in history.
 
Gold and to a lessor degree silver prices had increased dramatically due to concerns about inflation and excess m...

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A household needs $132,000 income to afford the median home. Only 31% of households can afford the median home.
 
The median age of homebuyers is 59. The average age of first-time homebuyers is 40. 
 
77% of households earning $132,000+ already own their home.
 
Therefore, 50% of the housing market is chasing the 7% of total homebuyers that can afford a home tha...

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Trump just issued an executive order to ban large institutional investors from purchasing single family homes. He stated "A person sweats, works, buys one house and can't take depreciation".
 
The average age of first time homebuyers is 40, the highest eve...

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The mortgage lock-in effect may be starting to ease.
 
There are more mortgage holders with 6%+ rates than sub 3% mortgages for the first time since 2020. 
 
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Will Trump's proposal to ban large institutional investors from buying single family homes reduce housing prices.
 
His statement "People live in homes, not corporations" sounds good on the surface. 
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Citizen journalist Nick Shirley posted a documentary exposing the fraud perpetrated by the Somali community in Minnesota.He visited multiple daycare centers that have received multiple millions of dollars annually yet there is no evidence of any children ever being present. The fraud is estimated to be over $8 billion dollars over the past several years. This is fraud on an industr...

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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.

See omnystudio.com/listener for privacy information.

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December 22, 2025 54 mins

Ferenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.

See omnystudio.com/listener for privacy information.

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