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%.

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.&nbsp;
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%.

Your Personal Bank is a powerful financial tool often used by banks, corporations, and the wealthy.


No other financial vehicle comes close to giving you the advantages of a properly structured and maintained Your Personal Bank policy. The Your Personal Bank concept is often misunderstood by many people, including most legal, tax, and financial advisors. Lack of information and improperly structured policies are frequently the cause. 

Your Personal Bank is a powerful financial tool often used by banks, corporations, and the wealthy.
 No other financial vehicle comes close to giving you the advantages of a properly structured and maintained Your Personal Bank policy. The Your Personal Bank concept is often misunderstood by many people, including most legal, tax, and financial advisors. Lack of information and improperly structured policies are frequently the cause.

Your Personal Bank

01/17/26 Real Estate Values are Likely to Continue to Decrease

Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights. 
     1. An annual review with a client who received 20% return with their index annuity this past year.
     2.A review with a client that invested in index annuities and high cash value policies in 2007, then guaranteed lifetime income later. Very interesting story through the Great Recession..
     3. Planning meeting that potentially doubled income for retirement.

US household debt has hit new records. It has doubled in the past 20 years. This will likely lead to a weak economy, possibly a recession. 

Average rent has declined in markets that are overbuilt. Some markets have dropped 20%. The Brookings Institute estimates there are 300,000 fewer people in the US than the previous year.This was the first time in 50 years that more immigrants left America than entered it. Brookings projects about 1,000,000 will leave in 2026. Rents will likely continue to decline.

Housing buyer demand has hit the lowest level on record. In 2005, the median income was $46,000 and the median house price was $184,000. In 2026, the median income is $59,000 while the median house price is $450,000. In 20 years, income increased 20% and house prices increased 150%.

Homebuilders continue to build new homes. The number of unsold completed new homes have hit the highest level since 2011. Building permits hit a five month high. Despite increased inventory, homebuilders are continuing to build. Home prices are likely to continue to decline.

Realtor.com states one of the following needs to occur for homebuyer demand to return:

   1. Mortgage rates fall to 2.65%.
   2. Household incomes rise 56% to a median of $132,171.
   3. Median home prices drop 35% to a median of $273,000.

Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights.&nbsp; &nbsp; &nbsp; &nbsp;1. An annual review with a client who received 20% return with their index annuity this past year. &nbsp; &nbsp; &nbsp;2.A review with a client that invested in index annuities and high cash value policies in 2007, then guaranteed lifetime income later. Very interesting story through the Great Recession.. &nbsp; &nbsp; &nbsp;3. Planning meeting that potentially doubled income for retirement.
US household debt has hit new records. It has doubled in the past 20 years. This will likely lead to a weak economy, possibly a recession.&nbsp;
Average rent has declined in markets that are overbuilt. Some markets have dropped 20%. The Brookings Institute estimates there are 300,000 fewer people in the US than the previous year.This was the first time in 50 years that more immigrants left America than entered it. Brookings projects about 1,000,000 will leave in 2026. Rents will likely continue to decline.
Housing buyer demand has hit the lowest level on record. In 2005, the median income was $46,000 and the median house price was $184,000. In 2026, the median income is $59,000 while the median house price is $450,000. In 20 years, income increased 20% and house prices increased 150%.
Homebuilders continue to build new homes. The number of unsold completed new homes have hit the highest level since 2011. Building permits hit a five month high. Despite increased inventory, homebuilders are continuing to build. Home prices are likely to continue to decline.
Realtor.com states one of the following needs to occur for homebuyer demand to return:
&nbsp; &nbsp;1. Mortgage rates fall to 2.65%. &nbsp; &nbsp;2. Household incomes rise 56% to a median of $132,171. &nbsp; &nbsp;3. Median home prices drop 35% to a median of $273,000.

02/21/26 Ferenc Shares Several Recent Client Meetings, Including How a Client Received a 20% Return with their Index Annuity Last Year

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. 

Gold dropped 5% while Silver fell 10% in one day recently. The S&amp;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.&nbsp;

02/14/26 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.

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.&nbsp;
Volatility is expected as the economic policy changes are implemented. This could be a bumpy ride, even stomach churning for investors.
&nbsp;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.

01/17/26 Real Estate Values are Likely to Continue to Decrease

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