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 legal immigrants. Neither should be receiving benefits.



Ellis Island immigrants mostly wanted the opportunity of the American Dream.

Millions of current immigrants, both legal and illegal, do not want to assimilate or contribute. They are freeloaders. If an immigrant you cannot afford food, they should go home. Taxpayers should not have to pay for food for people who should not be here.  Fewer people equals lower cost of housing, rent, food, and insurance. Fewer people equal less crime, less crowded schools and hospitals.

<p class="MsoNormal">Officially, there are 53 million foreign-born people in currently in the US. That is about 1 in 7 people. </p> <p class="MsoNormal">This is higher both in total number and percentage than the peak of the Ellis Island period. </p> <p class="MsoNormal">42 million people currently are on the food stamp program (SNAP). 48% are illegal aliens, 34% are legal immigrants. Neither should be receiving benefits.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Ellis Island immigrants mostly wanted the opportunity of the American Dream.</p> <p class="MsoNormal">Millions of current immigrants, both legal and illegal, do not want to assimilate or contribute. They are freeloaders. If an immigrant you cannot afford food, they should go home. Taxpayers should not have to pay for food for people who should not be here. </p> Fewer people equals lower cost of housing, rent, food, and insurance. Fewer people equal less crime, less crowded schools and hospitals.

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

The Solution to the Affordability Problem is Less People Who Don't Belong Here

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 an index that has never produced decent returns.



The Index Performance Report shows the 1, 5, and 10-year returns of indexes offered by index annuities and index universal life policies. There are 50+ insurance companies and 600+ index options. About 80% of the indexes average low single-digit returns, while about 20% indexes of the indexes have 10-17% average annual returns for the past 10 years. The Index Performance Report is the only way to find the indexes that offer the highest potential returns. 

Index returns are not typically public information. It is difficult to find. The Index Performance Report provides the return history. This is proprietary software. Very few advisors/agents have access to this info. Most are not aware that this info is available. Without the index return history, the agent/advisor has to rely on marketing recommendations and is mostly "flying blind". This is game-changing.

Ferenc also shares when to use and not to use a bonus and common misconceptions regarding cash (accumulation) value and guaranteed lifetime income.

<p class="MsoNormal">Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns.</p> <p class="MsoNormal">To win a horse race, you need a fast horse and a good rider.</p> <p class="MsoNormal">The index is the horse. An index that has a strong history of returns is more likely to continue significant future returns vs an index that has never produced decent returns.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">The Index Performance Report shows the 1, 5, and 10-year returns of indexes offered by index annuities and index universal life policies. There are 50+ insurance companies and 600+ index options. About 80% of the indexes average low single-digit returns, while about 20% indexes of the indexes have 10-17% average annual returns for the past 10 years. The Index Performance Report is the only way to find the indexes that offer the highest potential returns. </p> <p class="MsoNormal">Index returns are not typically public information. It is difficult to find. The Index Performance Report provides the return history. This is proprietary software. Very few advisors/agents have access to this info. Most are not aware that this info is available. Without the index return history, the agent/advisor has to rely on marketing recommendations and is mostly "flying blind". This is game-changing.</p> <p class="MsoNormal">Ferenc also shares when to use and not to use a bonus and common misconceptions regarding cash (accumulation) value and guaranteed lifetime income.</p>

80% of Indexes in Annuities and IUL's Average Low Single Digit Returns. 20% Average 10-12%. How to Find Them.

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 world economy dependent on one company is not a good thing.



The US State Department has warned that mass migration poses an "existential threat" to Western civilization.



HUD Secretary Scott Turner states mass deportations would have an immediate positive impact on the housing crisis in America.

 Only 30% of 2025 graduates and 41% of 2024 graduates have found entry-level jobs in their fields, per Forbes. Why are we still importing over one million foreign workers annually?

<p class="MsoNormal">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.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Nvidia CEO, Jensen Huang, recently stated, "The whole world would've fallen apart" if Nvidia missed earnings expectations. The world economy dependent on one company is not a good thing.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">The US State Department has warned that mass migration poses an "existential threat" to Western civilization.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">HUD Secretary Scott Turner states mass deportations would have an immediate positive impact on the housing crisis in America.</p> <p class="MsoNormal"> </p> Only 30% of 2025 graduates and 41% of 2024 graduates have found entry-level jobs in their fields, per Forbes. Why are we still importing over one million foreign workers annually?

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.

The median age of all homebuyers is a record-breaking 59. First-time homebuyers average age 40, up from 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 calling for a Marshal Plan for housing. Many ideas are being floated to improve housing affordability. 50-year mortgages are a particularly bad idea for many reasons. The one positive would be lower monthly payments than a 30-year mortgage. But interest rates would likely be higher on a 50-year mortgage than a 30-year; similar to 15-year mortgage interest rates are typically lower than 30-year. This would eliminate most of the benefit of lower payments.The American dream includes owning your own home, not renting an apartment.This is a supply problem. Solutions:1. There needs to be incentives to build affordable single-family homes. 2. Permit and infrastructure fees average 24% of the cost of the average home. 3. Deport illegal immigrants and fraudulent legal immigrants.HB-1 visas are supposed to be for the rare "genius". No one would have an issue if a few HB-1 visas were needed to train Americans to build high-end computer chips. The reality is that HB-1 visas are currently about 750,000. About 80% take entry-level and junior-level jobs from Americans.Some work visas do not require the company to pay payroll taxes. The foreign worker's job is typically tied to their job. If they lose their job, they have to go back home. This gives the company control over the employee. The company saves taxes, can pay the foreign employee less, and has more control. It is a form of indentured servitude. The US Census counts illegals and the 55 million visa holders. This gives more seats in the House of Representatives and Electoral College votes. The majority of illegal immigrants and visa holders live in blue states. It is about political power.Fewer people in the US would prefer the quickest method to increase affordability.

<div><span style="font-family: arial, sans-serif;">The median age of all homebuyers is a record-breaking 59. First-time homebuyers average age 40, up from 29 in 1981. This is the result of not building enough houses and allowing too many people in our country, both legally and illegally. </span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">We need big solutions to solve big problems. Some are calling for a Marshal Plan for housing. Many ideas are being floated to improve housing affordability. </span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">50-year mortgages are a particularly bad idea for many reasons. The one positive would be lower monthly payments than a 30-year mortgage. But interest rates would likely be higher on a 50-year mortgage than a 30-year; similar to 15-year mortgage interest rates are typically lower than 30-year. This would eliminate most of the benefit of lower payments.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">The American dream includes owning your own home, not renting an apartment.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">This is a supply problem. Solutions:</span></div> <div>1. There needs to be incentives to build affordable single-family homes. </div> <div>2. Permit and infrastructure fees average 24% of the cost of the average home. </div> <div>3. Deport illegal immigrants and fraudulent legal immigrants.</div> <div> </div> <div>HB-1 visas are supposed to be for the rare "genius". No one would have an issue if a few HB-1 visas were needed to train Americans to build high-end computer chips. The reality is that HB-1 visas are currently about 750,000. About 80% take entry-level and junior-level jobs from Americans.</div> <div> </div> <div>Some work visas do not require the company to pay payroll taxes. The foreign worker's job is typically tied to their job. If they lose their job, they have to go back home. This gives the company control over the employee. The company saves taxes, can pay the foreign employee less, and has more control. It is a form of indentured servitude. </div> <div> </div> <div>The US Census counts illegals and the 55 million visa holders. This gives more seats in the House of Representatives and Electoral College votes. The majority of illegal immigrants and visa holders live in blue states. It is about political power.</div> <div> </div> <div>Fewer people in the US would prefer the quickest method to increase affordability.</div>

The Solution to the Affordability Problem is Less People Who Don't Belong Here

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