Ferenc discussed the impact of the Federal Reserve's interest rate cuts on mortgage rates, which unexpectedly rose due to high federal debt levels. He highlighted the current AI bubble, comparing it to historical bubbles like the dot-com era and tulip mania. Ferenc noted that the top 10% of income earners account for half of consumer spending, a concerning sign. He emphasized the importance of reducing market risk by investing in fixed assets and annuities, which offer unlimited upside potential and principal guarantees. Ferenc also warned of impending corrections in both the stock and real estate markets, driven by economic slowdowns and high interest rates.

<div>Ferenc discussed the impact of the Federal Reserve's interest rate cuts on mortgage rates, which unexpectedly rose due to high federal debt levels. He highlighted the current AI bubble, comparing it to historical bubbles like the dot-com era and tulip mania. Ferenc noted that the top 10% of income earners account for half of consumer spending, a concerning sign. He emphasized the importance of reducing market risk by investing in fixed assets and annuities, which offer unlimited upside potential and principal guarantees. Ferenc also warned of impending corrections in both the stock and real estate markets, driven by economic slowdowns and high interest rates.</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

Ferenc discussed the impact of the Federal Reserve's interest rate cuts on mortgage rates, which unexpectedly rose due to high federal debt levels. He highlighted the current AI bubble, comparing it to historical bubbles like the dot-com era and tulip...

The Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?

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, they typically correct and have a period of volatility. The US economy is in a period of historical change. This creates uncertainty. Uncertainty leads to volatility. A correction is probable. Index products allow you to participate in potential upside gains while protecting your downside. This is the best time in 40+ years for index product returns. There are 100's of index's. Ferenc has access to proprietary software that shows the one, 5, and 10 year returns. Contact Ferenc at ferenc@yourpersonalbank.com to review the index performance report to choose the highest performing indexes. Earn unlimited upside potential with no downside risk!

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, they typically correct and have a period of volatility. The US economy is in a period of historical change. This creates uncertainty. Uncertainty leads to volatility. A correction is probable. Index products allow you to participate in potential upside gains while protecting your downside. This is the best time in 40+ years for index product returns. There are 100's of index's. Ferenc has access to proprietary software that shows the one, 5, and 10 year returns. Contact Ferenc at <a href="mailto:ferenc@yourpersonalbank.com" target="_blank" rel="noopener">ferenc@yourpersonalbank.com</a> to review the index performance report to choose the highest performing indexes. Earn unlimited upside potential with no downside risk!

Precious Metals Continue Massive Volatility

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 money printing by the Federal Reserve. Leverage exaggerated the rise in prices and the crash. As prices dropped, many investors faced margin calls which forced them to sell at any price and created a cascade. This is a common cycle of asset bubbles and when the bubble bursts.This changed when Trump announced Kevin Warsh as the new Federal Reserve Chair. Kevin served as a Federal Reserve Governor from 2006 thru 2011, during the Great Recession. He was highly critical of the Federal Reserve continuing to print money after the crisis was over. He eventually resigned his seat in protest.This appointment shocked the markets and signaled a major change in future Federal Reserve policy. The current asset bubble in the stock market, real estate, precious metals, and cryptocurrency was largely created by money printing. Kevin Marsh will likely stop excess printing and sell down the Federal Reserve assets. Volatility is expected as the economic policy changes are implemented. This could be a bumpy ride, even stomach churning for investors. If you want to participate in future potential upside gains without the stress of potential significant losses, index products could be the best solution for you.Index products allow unlimited upside potential gains with no downside market risk. Principle is guaranteed. We have several indexes that have generated about 7-11% average annual returns the past 10-20+ years. Some have earned up to 27% in one year recently! All with no cap, no fee, and no downside losses.

<div><span style="font-family: arial, sans-serif;">Gold prices have dropped suddenly after a historic increases over the past year. Silver plunged 26% in one day, the largest drop in history.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">Gold and to a lessor degree silver prices had increased dramatically due to concerns about inflation and excess money printing by the Federal Reserve. Leverage exaggerated the rise in prices and the crash. As prices dropped, many investors faced margin calls which forced them to sell at any price and created a cascade. This is a common cycle of asset bubbles and when the bubble bursts.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">This changed when Trump announced Kevin Warsh as the new Federal Reserve Chair. Kevin served as a Federal Reserve Governor from 2006 thru 2011, during the Great Recession. He was highly critical of the Federal Reserve continuing to print money after the crisis was over. He eventually resigned his seat in protest.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">This appointment shocked the markets and signaled a major change in future Federal Reserve policy. The current asset bubble in the stock market, real estate, precious metals, and cryptocurrency was largely created by money printing. Kevin Marsh will likely stop excess printing and sell down the Federal Reserve assets. </span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">Volatility is expected as the economic policy changes are implemented. This could be a bumpy ride, even stomach churning for investors.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;"> If you want to participate in future potential upside gains without the stress of potential significant losses, index products could be the best solution for you.</span></div> <div> </div> <div><span style="font-family: arial, sans-serif;">Index products allow unlimited upside potential gains with no downside market risk. Principle is guaranteed. We have several indexes that have generated about 7-11% average annual returns the past 10-20+ years. Some have earned up to 27% in one year recently! All with no cap, no fee, and no downside losses.</span></div>

Gold and Silver Values Plunge

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 that do not already own.This will not end well for real estate values.Our government gave illegals loans for homes and welfare to pay for them. This contributed to increasing home prices. That left millions of Americans unable to buy a home.  These illegals built up equity that taxpayers paid for. Many have more money in equity than the average American who was stuck paying rent.Where in immigration law does it say you can enter illegally and stay as long as you don't commit a violent crime? Who voted for this? No one. Yet American are supposed to ignore this?

<div>A household needs $132,000 income to afford the median home. Only 31% of households can afford the median home.</div> <div> </div> <div>The median age of homebuyers is 59. The average age of first-time homebuyers is 40. </div> <div> </div> <div>77% of households earning $132,000+ already own their home.</div> <div> </div> <div>Therefore, 50% of the housing market is chasing the 7% of total homebuyers that can afford a home that do not already own.</div> <div> </div> <div><span style="font-family: arial, sans-serif;">This will not end well for real estate values.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">Our government gave illegals loans for homes and welfare to pay for them. This contributed to increasing home prices. That left millions of Americans unable to buy a home.  </span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">These illegals built up equity that taxpayers paid for. Many have more money in equity than the average American who was stuck paying rent.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div>Where in immigration law does it say you can enter illegally and stay as long as you don't commit a violent crime? Who voted for this? No one. Yet American are supposed to ignore this?</div>

The Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?

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