Your Personal Bank
Your Personal Bank
Your Personal Bank is a powerful financial tool often used by banks, corporations, and the wealthy. No other financial vehicle comes close to giving you the advantages of a properly structured and maintained Your Personal Bank policy. The Your Personal Bank concept is often misunderstood by many people, including most legal, tax, and financial advisors. Lack of information and improperly structu…Follow the podcast:
12/20/25 Ferenc Personal Story
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.
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12/13/25 The Solution to the Affordability Problem is Less People Who Don't Belong Here
Officially, there are 53 million foreign-born people in currently in the US. That is about 1 in 7 people. This is higher both in total number and percentage than the peak of the Ellis Island period. 42 million people currently are on the food stamp program (SNAP). 48% are illegal aliens, 34% are …
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12/06/25 80% of Indexes in Annuities and IUL's Average Low Single Digit Returns. 20% Average 10-12%. How to Find Them
Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns. To win a horse race you need a fast horse and a good rider. The index is the horse. An index that has a strong history of returns is more likely to continue significant future returns vs…
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11/29/25 Just Like You Need a Fast Horse and Great Rider to Win a Horse Race, You Need a Strong Index and Great Strategy to Maximize Index Returns.
Ferenc shares how he can help you increase your index returns 2-10X annually on your index annuity or index universal life policy while eliminating downside market risk. Nvidia CEO, Jensen Huang, recently stated "The whole world would've fallen apart" if Nvidia missed earnings expectations. The wor…
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11/22/25 We Need a Marshall Plan to Improve Housing Affordability
The medium age of all homebuyers is a record breaking 59. First-time homebuyers average age 40, up from age 29 in 1981. This is the result of not building enough houses and allowing too many people in our country, both legally and illegally. We need big solutions to solve big problems. Some are c…
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11/15/25 How Index Annuites and Index Universal Life provide Unlimited Potential without Downside Market Risk
This is the "Golden Era" of fixed assets. This is the best time in 40+ years to establish an index product! This is due to many factors, including higher bond yields (interest rates). Index annuities and Index Universal Life (IUL) allows you to: Grow your money safely, without market risk. Pr…
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11/08/25 Reduce Your Market Risk with Indexes with up to 17% Average Annual Returns for the Past Decade with No Downside Market Risk.
Ferenc Toth discusses the extreme overvaluation of the stock market, citing four major valuation indicators that are overvalued by three standard deviations, with the S&P 500 at its highest levels ever. He highlights that the top 10 US stocks account for over 41% of the S&P 500's market cap, and AI…
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11/01/25 Index Products Provide Unlimited Upside Potential with No Downside Risk. Lock in Gains at Any Time. How to Obtain Index Historical Returns.
Ferenc shares the S&P500 continues to rise despite historically high valuations. As the valuations rise, risk increases. This is driven by emotion, not logic. Index annuities and life provide unlimited upside potential with no downside market risk. The principle is guaranteed. This ensures you nev…
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The Buffett Indicator has Hit 217%, the Highest ever Recorded.
Ferenc discusses the unprecedented valuations of the S&P 500, noting that 19 of 20 valuation metrics are above historical averages, including the Buffett indicator at 217%, the highest ever recorded. He warns of the AI bubble, citing a Bank of America survey where 54% of investors believe AI stocks…
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10/18/25 Data Center Energy Requirements are Estimated to be the Equivalent of 70 New Nuclear Reactors by 2028
Ferenc Toth discusses the potential AI bubble, citing Jerome Powell's belated acknowledgment of asset purchases and the overvaluation of tech stocks, with 55% of fund managers believing tech stocks are overvalued. He highlights the lack of energy to power the AI needs. It is estimated the U.S. will…
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