Millions of illegal aliens flooded into America during the Biden administration and previous years. They were given cash, food, shelter, and many other benefits. There is even a scholarship specifically for illegals. The Dream US is the nation's largest program for undocumented immigrant students. Illegals get $33,000 for a bachelor's degree. They have awarded over 12,000 scholarships to date. The lynchpin for these giveaways is the Individual Taxpayer Identification Number or ITIN. This is a quasi-Social Security number given only to foreigners. ITIN's also enable illegal aliens to purchase homes, often financed with taxpayer dollars. Our government even advised illegal aliens on how to buy homes against American citizens. The Consumer Financial Protection Bureau advertised that some lenders had mortgage programs tailored for ITIN holders without proof of legal residency on their website. This put illegal aliens in direct competition with American citizens.The US already had a housing shortage. This competition further drove up housing prices. The H-1B visa is marketed as a global talent program, yet 71% of all approvals go to one country, India. This is not global. This is a pipeline from one country to outsource cheap labor. Companies must sign a form under oath they can't find qualified Americans to hire an H-1B worker. The top 5 companies over the past 15 years stated 314,100 times no American were available. They fired 99,000 Americans at the same time. Dream Home Mortgage advertises H-1B Visa mortgages with no US credit. This further creates more competition for homes with US citizens and drives up prices. JP Morgan recently released a study titled "Annuities Improve Outcomes" The study compared a number of scenarios replacing the bond portion of a 60/40 equity/bond portfolio to variable annuities and fixed-index annuities. The likelihood of success of not running out of money in retirement was lowest with the 60/40 equity/bond portfolio. Variable annuities improved the likelihood of success. Fixed index annuities provided the highest likelihood of success of not running out of money in retirement in every scenario. The JP Morgan study did not compare using the best fixed index annuity products available. Contact Ferenc at ferenc@yourpersonalbank.com or 268-268-4422 to find the best index annuity product available for your situation.

Millions of illegal aliens flooded into America during the Biden administration and previous years. They were given cash, food, shelter, and many other benefits. There is even a scholarship specifically for illegals. The Dream US is the nation's largest program for undocumented immigrant students. Illegals get $33,000 for a bachelor's degree. They have awarded over 12,000 scholarships to date. The lynchpin for these giveaways is the Individual Taxpayer Identification Number or ITIN. This is a quasi-Social Security number given only to foreigners. ITIN's also enable illegal aliens to purchase homes, often financed with taxpayer dollars. Our government even advised illegal aliens on how to buy homes against American citizens. The Consumer Financial Protection Bureau advertised that some lenders had mortgage programs tailored for ITIN holders without proof of legal residency on their website. This put illegal aliens in direct competition with American citizens.The US already had a housing shortage. This competition further drove up housing prices. The H-1B visa is marketed as a global talent program, yet 71% of all approvals go to one country, India. This is not global. This is a pipeline from one country to outsource cheap labor. Companies must sign a form under oath they can't find qualified Americans to hire an H-1B worker. The top 5 companies over the past 15 years stated 314,100 times no American were available. They fired 99,000 Americans at the same time. Dream Home Mortgage advertises H-1B Visa mortgages with no US credit. This further creates more competition for homes with US citizens and drives up prices. JP Morgan recently released a study titled "Annuities Improve Outcomes" The study compared a number of scenarios replacing the bond portion of a 60/40 equity/bond portfolio to variable annuities and fixed-index annuities. The likelihood of success of not running out of money in retirement was lowest with the 60/40 equity/bond portfolio. Variable annuities improved the likelihood of success. Fixed index annuities provided the highest likelihood of success of not running out of money in retirement in every scenario. The JP Morgan study did not compare using the best fixed index annuity products available. Contact Ferenc at <a href="mailto:ferenc@yourpersonalbank.com" target="_blank" rel="noopener">ferenc@yourpersonalbank.com</a> or 268-268-4422 to find the best index annuity product available for your situation.

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 US has a Dual Immigration Problem

The Federal Housing Administration (FHA) recently disclosed that they provided zero down mortgages to H-1B visa holders and other non-citizens during the Biden administration. The Trump administration shut this down in June 2025. FHA used programs designed to help low income US citizens purchase a home. Hard working Americans were getting screwed twice. 1. US taxpayers were funding homes for non-citizens. 2. US citizens were competing to purchase homes at a disadvantage. a. The non-citizen did not have to contribute a down payment to purchase a home. b. The citizen had to contribute a 10-20% down payment typically to purchase the same home. This drove up housing prices, particularly in areas with high numbers of H-1B visa holders. One of the best index (growth) annuity products has become available in my 27 year career! - Multiple indexes with 9-11% average annual return indexes the past 10 -20 years. - No downside market risk. Principle is guaranteed. - Once gains are locked in, gains are also guaranteed against market loss. - Can lock in gains at any time. - A+ rated company. Contact Ferenc for more info: ferenc@yourpersonalbank.comyourpersonalbank.com 866-268-4422

The Federal Housing Administration (FHA) recently disclosed that they provided zero down mortgages to H-1B visa holders and other non-citizens during the Biden administration. The Trump administration shut this down in June 2025. FHA used programs designed to help low income US citizens purchase a home. Hard working Americans were getting screwed twice. 1. US taxpayers were funding homes for non-citizens. 2. US citizens were competing to purchase homes at a disadvantage. a. The non-citizen did not have to contribute a down payment to purchase a home. b. The citizen had to contribute a 10-20% down payment typically to purchase the same home. This drove up housing prices, particularly in areas with high numbers of H-1B visa holders. One of the best index (growth) annuity products has become available in my 27 year career! - Multiple indexes with 9-11% average annual return indexes the past 10 -20 years. - No downside market risk. Principle is guaranteed. - Once gains are locked in, gains are also guaranteed against market loss. - Can lock in gains at any time. - A+ rated company. Contact Ferenc for more info: <a href="mailto:ferenc@yourpersonalbank.com" target="_blank" rel="noopener">ferenc@yourpersonalbank.com</a> <a href="http://yourpersonalbank.com/" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=http://yourpersonalbank.com&source=gmail&ust=1778975253206000&usg=AOvVaw2x8CTXOnL5qjkAcnMfgFXD">yourpersonalbank.com</a> 866-268-4422

FHA Provided Zero Down Mortgages to Non-Citizens During the Biden Administration

The S&P 500 has increased about 16% in the past month to a new all-time high.The earnings have been strong. The recent unemployment numbers are phenomenal!The economy is showing signs of strength, yet significant volatility remains.Nearly every market measurement is at extreme high levels. Risk is highest at extreme levels.Berkshire Hathaway cash is at an all-time high and has sold stock the past 8 quarters in a row.Oil prices have swung down and back up about 10% in hours recently from news in the Middle East.60 - 80% of Americans cannot afford the median house in their state.Personal savings rates are the lowest levels since 2008.The auto loan crisis continues to increase. About 30% of car buyers who traded in their cars had negative equity.US Dollar offshore deposits have hit an all-time high. International demand for the US Dollar remains strong. The US Dollar as the world reserve currency is strong and strengthening further.Long-term bond yields remain high and are likely to continue due to historic federal government debt. This creates an opportunity.This is the "Golden Era" of fixed assets. This is the best time in 40+ years to consider an Index (Growth) Annuity, Index Universal Life (IUL), or Dividend-Paying Life policy.

<div><span style="font-family: arial, sans-serif;">The S&P 500 has increased about 16% in the past month to a new all-time high.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">The earnings have been strong. The recent unemployment numbers are phenomenal!</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">The economy is showing signs of strength, yet significant volatility remains.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">Nearly every market measurement is at extreme high levels. Risk is highest at extreme levels.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">Berkshire Hathaway cash is at an all-time high and has sold stock the past 8 quarters in a row.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">Oil prices have swung down and back up about 10% in hours recently from news in the Middle East.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">60 - 80% of Americans cannot afford the median house in their state.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">Personal savings rates are the lowest levels since 2008.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">The auto loan crisis continues to increase. About 30% of car buyers who traded in their cars had negative equity.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">US Dollar offshore deposits have hit an all-time high. International demand for the US Dollar remains strong. The US Dollar as the world reserve currency is strong and strengthening further.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div>Long-term bond yields remain high and are likely to continue due to historic federal government debt. This creates an opportunity.</div> <div> </div> <div>This is the "Golden Era" of fixed assets. This is the best time in 40+ years to consider an Index (Growth) Annuity, Index Universal Life (IUL), or Dividend-Paying Life policy.</div>

The S&amp;P 500 Hit a New All-Time High. What is Happening with the Economy?

The US Supreme Court ruled that states can no longer use race to draw congressional districts. 20-30 house seats are represented by districts drawn to represent minorities. The court ruled this violated the Equal Protection Clause and the civil rights of the majority of voters. Democrats have benefited for decades with these congressional districts. This is a massive change in political power that will likely benefit the Republicans for decades. The Virginia Supreme Court stopped the new district map that would have likely changed Virginia's house representation from 6 democrats and 5 republicans to 10 democrats and 1 republican. Virginia is a purple state. They had a very popular republican governor a few months ago. Kamala Harris won Virginia by about 5% in 2024. The ballot initiative barely passed. 51% of voters would have disenfranchised 49% of voters. Florida recently passed a redistrict effort that will likely increase republican representation by about 4 seats. Florida's redistricting would have off-set Virginia. Millions have moved to Florida since the last Census. Florida had a reason to redistrict other than purely political power, unlike Virginia. Both parties gerrymander. The democrats have been far more aggressive for decades. The 6 New England states average 42% republican voters. Due to gerrymandering, New England has zero Republican House representatives. New England Republicans have no representation in the US House of Representatives. LINK: Annuities Improve Outcomes Paper - JP Morgan

The US Supreme Court ruled that states can no longer use race to draw congressional districts. 20-30 house seats are represented by districts drawn to represent minorities. The court ruled this violated the Equal Protection Clause and the civil rights of the majority of voters. Democrats have benefited for decades with these congressional districts. This is a massive change in political power that will likely benefit the Republicans for decades. The Virginia Supreme Court stopped the new district map that would have likely changed Virginia's house representation from 6 democrats and 5 republicans to 10 democrats and 1 republican. Virginia is a purple state. They had a very popular republican governor a few months ago. Kamala Harris won Virginia by about 5% in 2024. The ballot initiative barely passed. 51% of voters would have disenfranchised 49% of voters. Florida recently passed a redistrict effort that will likely increase republican representation by about 4 seats. Florida's redistricting would have off-set Virginia. Millions have moved to Florida since the last Census. Florida had a reason to redistrict other than purely political power, unlike Virginia. Both parties gerrymander. The democrats have been far more aggressive for decades. The 6 New England states average 42% republican voters. Due to gerrymandering, New England has zero Republican House representatives. New England Republicans have no representation in the US House of Representatives. LINK: <a title="Annuities Improve Outcomes Paper - JP Morgan" href="https://yourpersonalbank.com/annuities-improve-outcomes-paper-jp-morgan/" target="_blank" rel="noopener">Annuities Improve Outcomes Paper - JP Morgan</a>

The US has a Dual Immigration Problem

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