Ferenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.

Ferenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.

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

12/20/25 Ferenc Personal Story

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%.

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

Will Trump's proposal to ban large institutional investors from buying single family homes reduce housing prices.

His statement "People live in homes, not corporations" sounds good on the surface. 

The housing affordability crisis was caused by:

1. The Federal Reserve reduced interest rates too low for too long. This created an asset bubble. 
2. Many homeowners/real estate investors have significant appreciation subject to capital gains if they sell.
3. Many homeowners are "locked in" with historical low mortgage interest rates.
4. Shortage of single family homes.

When the government tries to solve a problem it typically creates another unintended problem. The solution is not to ban a class of investors. The best solution is for the government to get out of the way.

If the government really wants to improve housing affordability they should:

1. Reduce taxes, fees, zoning rules, and delays for home builders who build affordable single family homes. This will increase inventory.
2. Offer a capital gains tax holiday for homes owned for 5-10+ years. Many homes would become available.

Will Trump's proposal to ban large institutional investors from buying single family homes reduce housing prices.
His statement "People live in homes, not corporations" sounds good on the surface.&nbsp;
The housing affordability crisis was caused by:
1. The Federal Reserve reduced interest rates too low for too long. This created an asset bubble.&nbsp; 2. Many homeowners/real estate investors have significant appreciation subject to capital gains if they sell. 3. Many homeowners are "locked in" with historical low mortgage interest rates. 4. Shortage of single family homes.
When the government tries to solve a problem it typically creates another unintended problem. The solution is not to ban a class of investors. The best solution is for the government to get out of the way.
If the government really wants to improve housing affordability they should:
1. Reduce taxes, fees, zoning rules, and delays for home builders who build affordable single family homes. This will increase inventory. 2. Offer a capital gains tax holiday for homes owned for 5-10+ years. Many homes would become available.

Trump Proposes Banning Institutional Investors from Buying Single Family Homes

Citizen journalist Nick Shirley posted a documentary exposing the fraud perpetrated by the Somali community in Minnesota.He visited multiple daycare centers that have received multiple millions of dollars annually yet there is no evidence of any children ever being present. The fraud is estimated to be over $8 billion dollars over the past several years. This is fraud on an industrial scale. This may be the largest organized crime scheme in the history of the US.

Fraud at this level is organized. Government agencies had to be involved to be successful. Government agencies and non-governmental organizations provided cash, food assistance, transportation, driver's license, housing, insurance, free health care (some states), college tuition, social security, mortgages, and business loans. The government continued to fund social services, like daycare, adult care, special needs services, children's meals, transportation services, etc, yet thousands of businesses provided no services. There was no oversight. The government agencies sent checks for years.

The FBI has stated the fraud exposed so far is only the "tip of the iceberg". Not only for Minnesota, but many other states.

Investigations have been launched due to Nick Shirley's documentary. The Small Business Administration has frozen all loans and is clawing-back all grants for the state of Minnesota. 

Nick Shirley was asked if Minnesota governor Tim Walz knew about the fraud. He stated that the fraud is so obvious and pervasive that a 5-year old could figure it out. He explained Tim Walz and other politicians wanted votes from the Somali community. Whistleblowers warned Tim Walz and the Minnesota attorney general. The whistleblowers were retaliated against.

Nick Shirley warned if there is no real accountability people are going to explode. "We work too hard not to know where our money's going. They work for us. Not the other way around."

81% of Somali households in Minnesota receive some form of government assistance. 78% of Somali households that have been in Minnesota for 10+ years are still on government assistance. Welfare is not supposed to be a lifestyle. 

The levels of fraud being exposed is so much that it accounts for much if not all of the increased government spending since COVID. This negatively affects our economy, creates inflation, creates housing unaffordability, increases crime, and strains medical and educational services.

I don't remember voting for the mass admission of millions of foreigners who we as taxpayers are forced to pay all their living expenses.
How much longer do we let these fraudsters and corrupt politicians rob us blind with our own taxpayer money?

Wait until the younger generations figure out the reason they can't get ahead is not due to the Boomers. It is because of the government's generational theft of their heritage.

Citizen journalist Nick Shirley posted a documentary exposing the fraud perpetrated by the Somali community in Minnesota.He visited multiple daycare centers that have received multiple millions of dollars annually yet there is no evidence of any children ever being present. The fraud is estimated to be over $8 billion dollars over the past several years. This is fraud on an industrial scale. This may be the largest organized crime scheme in the history of the US.
Fraud at this level is organized. Government agencies had to be involved to be successful. Government agencies and non-governmental organizations provided cash, food assistance, transportation, driver's license, housing, insurance, free health care (some states), college tuition, social security, mortgages, and business loans. The government continued to fund social services, like daycare, adult care, special needs services, children's meals, transportation services, etc, yet thousands of businesses provided no services. There was no oversight. The government agencies sent checks for years.
The FBI has stated the fraud exposed so far is only the "tip of the iceberg". Not only for Minnesota, but many other states.
Investigations have been launched due to Nick Shirley's documentary. The Small Business Administration has frozen all loans and is clawing-back all grants for the state of Minnesota.&nbsp;
Nick Shirley was asked if Minnesota governor Tim Walz knew about the fraud. He stated that the fraud is so obvious and pervasive that a 5-year old could figure it out. He explained Tim Walz and other politicians wanted votes from the Somali community. Whistleblowers warned Tim Walz and the Minnesota attorney general. The whistleblowers were retaliated against.
Nick Shirley warned if there is no real accountability people are going to explode. "We work too hard not to know where our money's going. They work for us. Not the other way around."
81% of Somali households in Minnesota receive some form of government assistance. 78% of Somali households that have been in Minnesota for 10+ years are still on government assistance. Welfare is not supposed to be a lifestyle.&nbsp;
The levels of fraud being exposed is so much that it accounts for much if not all of the increased government spending since COVID. This negatively affects our economy, creates inflation, creates housing unaffordability, increases crime, and strains medical and educational services.
I don't remember voting for the mass admission of millions of foreigners who we as taxpayers are forced to pay all their living expenses. How much longer do we let these fraudsters and corrupt politicians rob us blind with our own taxpayer money?
Wait until the younger generations figure out the reason they can't get ahead is not due to the Boomers. It is because of the government's generational theft of their heritage.

12/20/25 Ferenc Personal Story

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