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, housing, medical expenses, and nearly every item we purchase. If the immigration crackdown continues, an estimated 15 million foreign-born people will leave the US by the end of president Trump's term.

The affordability issues have been created over decades. Fixing these problems takes time.

Structural changes this significant typically are a result of bloody revolutions. So far, we have gotten off easy.

It is naive to think that enemies of America, the Legacy Media, Globalists, the Uni-Party, Bureaucrats, and Democrats would give up easily.

Ferenc shares an extreme client example that had suffered extremely poor performance due to poor indexes, high fees, and low participation rates.  Ferenc explains in detail how he was able to find a product that will increase their potential increased returns 10X based on the past decade historical returns.

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, housing, medical expenses, and nearly every item we purchase. If the immigration crackdown continues, an estimated 15 million foreign-born people will leave the US by the end of president Trump's term. The affordability issues have been created over decades. Fixing these problems takes time. Structural changes this significant typically are a result of bloody revolutions. So far, we have gotten off easy. It is naive to think that enemies of America, the Legacy Media, Globalists, the Uni-Party, Bureaucrats, and Democrats would give up easily. Ferenc shares an extreme client example that had suffered extremely poor performance due to poor indexes, high fees, and low participation rates. Ferenc explains in detail how he was able to find a product that will increase their potential increased returns 10X based on the past decade historical returns.

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.

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.

Your Personal Bank with Ferenc Toth

Affordability Challenges / An Extreme Client Example: 10X Potential Increased Returns without Market Risk

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 retirement planning and protected growth strategies.

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 retirement planning and protected growth strategies.

Fuel Prices, American Jobs, and Your Financial Future

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 rate hike before the end of week. 

This will increase borrowing costs.

The markets reacted negatively. Higher interest rates typically are bad for stocks, the real estate market, and cryptocurrencies.

Fixed assets (CD's, bonds, and index products) thrive in a higher interest rate environment.

This is the "Golden Age" of fixed assets.

Ferenc shares several client examples that have suffered poor performance due to low performing indexes, high fees, caps, and low participation rates.  Ferenc explains how he was able to find products that will increase their potential increased returns 3X+ based on the past decade historical returns.

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 rate hike before the end of week. This will increase borrowing costs. The markets reacted negatively. Higher interest rates typically are bad for stocks, the real estate market, and cryptocurrencies. Fixed assets (CD's, bonds, and index products) thrive in a higher interest rate environment. This is the "Golden Age" of fixed assets. Ferenc shares several client examples that have suffered poor performance due to low performing indexes, high fees, caps, and low participation rates. Ferenc explains how he was able to find products that will increase their potential increased returns 3X+ based on the past decade historical returns.

The Federal Reserve Increased Interest Rates / Tripling Client Potential Returns or More

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.

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o 8-10% guaranteed annual income increase rollup

o Up to 45% bonus available in most states

Index (growth) annuity

- Strong upside potential gains

- No downside market risk

- Principal guaranteed

- Once gains locked in, become new principal

- Some products: can lock in gains at any time

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Common Misconception: If you want guarantees, you have to give up strong returns. Not true!

Annuities suffer from perception of poor performance.

If you choose a bad stock, do you blame the entire stock market?



Index Annuity Poor Performance Reasons

1. Caps and other limits

2. Wrong Indexes

3. Low interest rates when purchased



How do you avoid poor performance?

Independent agent

1. Access to nearly every product available, ensure best option

2. About 10% of agents/advisors are independent

3. If you met with an agent/advisor and were only shown one or two products, likely not independent

4. Product search: literally dozens of companies and 100's of products



Index Performance Report

- 100's of indexes

- Most poor performers

- Choose strong performing indexes



Ensure Strong Index Annuity Returns

1. Strong performing Indexes

2. No Caps: unlimited upside

3. Low or no fees

4. Strong participation rates: enhance returns

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 - No downside market risk - Principal guaranteed - Once gains locked in, become new principal - Some products: can lock in gains at any time - Tax-deferred growth: pay taxes on gains only when withdrawing funds Common Misconception: If you want guarantees, you have to give up strong returns. Not true! Annuities suffer from perception of poor performance. If you choose a bad stock, do you blame the entire stock market? Index Annuity Poor Performance Reasons 1. Caps and other limits 2. Wrong Indexes 3. Low interest rates when purchased How do you avoid poor performance? Independent agent 1. Access to nearly every product available, ensure best option 2. About 10% of agents/advisors are independent 3. If you met with an agent/advisor and were only shown one or two products, likely not independent 4. Product search: literally dozens of companies and 100's of products Index Performance Report - 100's of indexes - Most poor performers - Choose strong performing indexes Ensure Strong Index Annuity Returns 1. Strong performing Indexes 2. No Caps: unlimited upside 3. Low or no fees 4. Strong participation rates: enhance returns

Affordability Challenges / An Extreme Client Example: 10X Potential Increased Returns without Market Risk

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