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. As more existing homeowners have higher interest rates they may be more willing to sell their homes. More houses for sale likely will lead to reduced prices.Lennar, then second largest homebuilder in the US, were selling homes for $500,000+ in 2022. Now, they are selling new homes for $375,000. This is is a 27% price drop in 3 years.Inventory influences housing prices.Housing prices are projected to decline an additional 10% in areas that inventory is at or above pre-pandemic levels. Pandemic boom areas are projected to decline an additional 20%.

<div><span style="font-family: arial, sans-serif;">The mortgage lock-in effect may be starting to ease.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">There are more mortgage holders with 6%+ rates than sub 3% mortgages for the first time since 2020. </span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">As more existing homeowners have higher interest rates they may be more willing to sell their homes. More houses for sale likely will lead to reduced prices.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">Lennar, then second largest homebuilder in the US, were selling homes for $500,000+ in 2022. Now, they are selling new homes for $375,000. This is is a 27% price drop in 3 years.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">Inventory influences housing prices.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div>Housing prices are projected to decline an additional 10% in areas that inventory is at or above pre-pandemic levels. Pandemic boom areas are projected to decline an additional 20%.</div>

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.

<p>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.</p>

Your Personal Bank with Ferenc Toth

Real Estate Values are Likely to Continue to Decrease

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 envelope and on the return envelope ensure the number mailed is not greater than the number mailed out and that the mailing in a ballot is the same person who received them. This will greatly reduce fraudulent ballots.

States retain 100% control over voter registration rolls and eligibility. If states include non-citizens on the voter rolls, there is a paper trail. This creates accountability.

Ferenc shares the frustration many people have with financial advisors/agents not really listening to their desires and solutions to this problem.

Please contact Ferenc at ferenc@yourpersonalbank.com or 866-268-4422 for more info.

<p>The US Supreme Court has allowed the United States Postal Service to require unique bar codes on mail-in ballots.</p> <p>Ballots will be tracked similar to packages. This eliminates duplicate ballots and will greatly reduce fraudulent ballots.</p> <p>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 envelope and on the return envelope ensure the number mailed is not greater than the number mailed out and that the mailing in a ballot is the same person who received them. This will greatly reduce fraudulent ballots.</p> <p>States retain 100% control over voter registration rolls and eligibility. If states include non-citizens on the voter rolls, there is a paper trail. This creates accountability.</p> <p>Ferenc shares the frustration many people have with financial advisors/agents not really listening to their desires and solutions to this problem.</p> <p>Please contact Ferenc at ferenc@yourpersonalbank.com or 866-268-4422 for more info.</p>

The USPS Will Require Bar Codes to Track Mail-In Ballots/Clients Frustrated with Financial Advisors/Agents Not Listening to Them

In the early 70's, there were about 4 million SNAP recipients, or about 1/50 Americans. In 2026, there are nearly 40 million SNAP recipients, or about 1/9 Americans. Government statistics show over half or illegal aliens. Another third are non-citizens. Less than 20% of SNAP recipients are US citizens. The 9-fold increase was not driven by poverty. The poverty is significantly lower in 2026 than in the 1970's. The total of all welfare programs is about $1.5 trillion per year. This is more than our entire military budget. It's more than Social Security. This is more than any other program in the US. Illegal aliens receive welfare. Every illegal deported is a tax cut for US taxpayers. The 4 Keys to Maximize Index Returns 1. Strong Performing Index: without knowing the historical index performance, you are flying blind 2. Fees: high fees reduce returns 3. Caps: limit upside gains 4. Participation Rates: higher participate rates can accelerate gains higher than underlying the underlying index A high participation rate can accelerate gains even higher than the underlying index. If you are suffering low returns with your index annuity, contact Ferenc at ferenc@yourpersonalbank.com or 866-268-4422 to learn how to increase your potential upside gains.

In the early 70's, there were about 4 million SNAP recipients, or about 1/50 Americans. In 2026, there are nearly 40 million SNAP recipients, or about 1/9 Americans. Government statistics show over half or illegal aliens. Another third are non-citizens. Less than 20% of SNAP recipients are US citizens. The 9-fold increase was not driven by poverty. The poverty is significantly lower in 2026 than in the 1970's. The total of all welfare programs is about $1.5 trillion per year. This is more than our entire military budget. It's more than Social Security. This is more than any other program in the US. Illegal aliens receive welfare. Every illegal deported is a tax cut for US taxpayers. The 4 Keys to Maximize Index Returns 1. Strong Performing Index: without knowing the historical index performance, you are flying blind 2. Fees: high fees reduce returns 3. Caps: limit upside gains 4. Participation Rates: higher participate rates can accelerate gains higher than underlying the underlying index A high participation rate can accelerate gains even higher than the underlying index. If you are suffering low returns with your index annuity, contact Ferenc at <a href="mailto:ferenc@yourpersonalbank.com" target="_blank" rel="noopener">ferenc@yourpersonalbank.com</a> or 866-268-4422 to learn how to increase your potential upside gains.

Illegal Aliens are an Economic Issue/The Importance of Participation Rates to Accelerate Returns on Index Products

The S&P 500 recently hit a new all time high. The index has doubled since 2023.The 30-year treasury recently exceeded 5%, the highest level since 2007. The bond yield has been increasing since 2020.The stock market has been led by a few tech companies. Stock prices are driven by sentiment. Sentiment can change quickly.Bond yields are rising due to federal debt. As long as the government continues to spend more than it receives, bond yields will keep increasing. Until Congress stops spending more than it receives, this will continue. There is no sign of this changing in the foreseeable future.Higher interest rates are typically bad for the stock market. Higher interest rates increase the costs to borrow and expand business. Profits typically decline.Both cannot continue rising long-term. My bet is the stock market will decline before the bond market. The bond market is significantly larger than the stock market. The driver of increased bond yields is not changing. This creates significant risk and opportunity.This is the Golden Era of Fixed Assets. Fixed index annuities are generating the highest returns in decades due to the higher bond yields.

<div><span style="font-family: Arial, sans-serif;">The S&P 500 recently hit a new all time high. The index has doubled since 2023.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">The 30-year treasury recently exceeded 5%, the highest level since 2007. The bond yield has been increasing since 2020.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">The stock market has been led by a few tech companies. Stock prices are driven by sentiment. Sentiment can change quickly.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">Bond yields are rising due to federal debt. As long as the government continues to spend more than it receives, bond yields will keep increasing. Until Congress stops spending more than it receives, this will continue. There is no sign of this changing in the foreseeable future.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">Higher interest rates are typically bad for the stock market. Higher interest rates increase the costs to borrow and expand business. Profits typically decline.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">Both cannot continue rising long-term. </span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">My bet is the stock market will decline before the bond market. The bond market is significantly larger than the stock market. </span>The driver of increased bond yields is not changing. </div> <div> </div> <div>This creates significant risk and opportunity.</div> <div> </div> <div>This is the Golden Era of Fixed Assets. Fixed index annuities are generating the highest returns in decades due to the higher bond yields.</div>

Real Estate Values are Likely to Continue to Decrease

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