Shows
Your Personal BankLong-Term Bond Yields are Hitting Record Highs WorldwideThe bond market worldwide is in crisis. The US 30 Year Bond recently rose to 5.2%, the highest since 2007. The UK 30 Year Bond is the highest since 1998. The Japanese 30 Year Bond is the highest level ever recorded. The primary reason is debt in the western world is at the highest levels ever recorded. Due to the government spending, inflation is increasing in 27 of the 29 largest economies in the world. Central Banks can impact short-term interest rates but have little affect on long-term interest rates. Expect higher interest rates until the western world gets debt under control. Stocks and real estate tend to struggle...
2026-05-2554 minYour Personal BankFHA Provided Zero Down Mortgages to Non-Citizens During the Biden AdministrationThe 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 dro...
2026-05-1854 minYour Personal BankThe Conditions for the Next Civil War are Being Put in PlaceTwo things have caused me to be concerned about conditions that could lead to the Next Civil War. Hope it does not happen. Not encouraging violence. Using common sense, historical insight, human behavior. 1.Virginia redistricting - Everyone gerrymanders - 51% disenfranchised 49% of voters in VA - New England averages 42% republicans, yet only one republican out of 33 House districts - New Mexico: 46% republican, but no republican representatives - No taxation without representation primary cause of Revolutionary War - Disenfranchised voters become disillusioned, frustrated, or worse 2. Democrat action plan - Obama: recent donor meeting promised one party rule by 2029 - James Carville: former Clinton advisor ...
2026-04-2754 minYour Personal BankThe US has a Dual Immigration ProblemMillions 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...
2026-04-0653 minYour Personal BankCommon Myth: If You Want Guarantees, You Have to Sacrifice Strong Returns. This is False. Ferenc Compares Index Annuities with the new Hybrid Annuities 1. A common myth is that if you want guarantees, you have to sacrifice strong growth. This is no longer true. 2. Ferenc shares a new client case that compared an Index Annuity with a Hybrid Annuity. Hybrid Annuity Index Annuity Growth: Limited: capped at 11-17% annually Unlimited: no cap Downside Protection: Partial: 10-20% Full: principle guaranteed Annual Fees: 2.5% None 3. If you have an annuity that has had under 7% returns the past couple of years, you have a subpar product with poor returns. You should consider comparing a superior product. 4. If you have an early surrender penalty, bonuses of 22-29% are available to offset the penalty with strong index options.
2026-03-0953 minYour Personal BankFerenc Dispels the Most Common Myths and Misconceptions with Index Annuities and Index Universal Life Policies Ferenc Dispels Several Myths and Misconceptions with Index Annuities and Index Universal Life Policies including: 1. If you want guarantees, you don't have to sacrifice strong returns. If you own an index product with poor returns, you are invested in the wrong indexes. 2. Unlimited upside with no downside risk is "too good to be true". Ferenc explains insurance companies invest the interest, not the principle. This provides indexes with 10-12% 10-year average annual returns while guaranteeing the principle. 3. Limited access to funds. Index Universal Life provides significant access to funds, tax-free growth, and access. Traditional qualified accounts (IRA/401k's) withdrawals are taxed...
2026-03-0253 minYour Personal BankFerenc Shares Several Recent Client Meetings, Including How a Client Received a 20% Return with their Index Annuity Last YearFerenc 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 hav...
2026-02-2353 minYour Personal BankPrecious Metals Continue Massive VolatilityGold 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 unc...
2026-02-1653 minYour Personal BankSuccessful Goal Setting and the Wheel of LifeFerenc shares his popular annual successful goal setting message! He shares life-changing ideas on how to identify areas of your life that could use improvement using the Wheel of Life. Ferenc also shares the 4 steps to successfully accomplish goals. Many listeners have shared successful goal setting stories over the years that were inspired by Ferenc's message.
2025-12-2953 minYour Personal BankFerenc's Personal StoryFerenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.
2025-12-2253 minYour Personal Bank80% of Indexes in Annuities and IUL's Average Low Single Digit Returns. 20% Average 10-12%. How to Find Them.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 i...
2025-12-0853 minYour Personal BankJust 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.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...
2025-12-0153 min
Filmklub podcastPogány Induló-sorozat | "Nem azok a papírozós figurák" - Tóth Olivér Márk rendezőA friss adásban Tóth Olivér Márkkal, a Pogány Induló – Vajon mit mondana anya című HBO-dokumentumsorozat rendezőjével beszélgettünk arról, hogyan született meg ez az intim és őszinte, vicces és megrázó portré a még mindig csak húszéves Szirmai Marciról (Pogány Induló), az ország egyik legsikeresebb rapsztárjáról. Részletesen beszélünk a forgatás folyamatáról: hogyan kellett gyors, ösztönös döntéseket hozni, milyen jelenetekért kellett külön megharcolni, mikről maradt le a stáb, és hogyan alakult ki az a sajá...
2025-11-281h 48
Your Personal Bank with Ferenc TothReduce Your Market Risk with Indexes with up to 17% Average Annual Returns for the Past Decade with No Downside Market Risk.Ferenc Toth discusses the extreme overvaluation of the stock market, citing four major valuation indicators that are overvalued by three standard deviations, with the S&P 500 at its highest levels ever. He highlights that the top 10 US stocks account for over 41% of the S&P 500's market cap, and AI-related stocks make up 47%. He also mentions the risks of non-bank private credit and sovereign debt contributing to an economic bubble. Ferenc warns of potential market corrections or crashes, suggesting investors protect themselves with index products like annuities and life policies, which offer unlimited upside gains with no downside risk. Principle i...
2025-11-1054 minYour Personal BankReduce Your Market Risk with Indexes with up to 17% Average Annual Returns for the Past Decade with No Downside Market Risk.Ferenc Toth discusses the extreme overvaluation of the stock market, citing four major valuation indicators that are overvalued by three standard deviations, with the S&P 500 at its highest levels ever. He highlights that the top 10 US stocks account for over 41% of the S&P 500's market cap, and AI-related stocks make up 47%. He also mentions the risks of non-bank private credit and sovereign debt contributing to an economic bubble. Ferenc warns of potential market corrections or crashes, suggesting investors protect themselves with index products like annuities and life policies, which offer unlimited upside gains with no downside risk. Principle i...
2025-11-1053 minYour Personal BankIndex Products Provide Unlimited Upside Potential with No Downside Risk. Lock in Gains at Any Time. How to Obtain Index Historical Returns.Ferenc shares the S&P500 continues to rise despite historically high valuations. As the valuations rise, risk increases. This is driven by emotion, not logic. Index annuities and life provide unlimited upside potential with no downside market risk. The principle is guaranteed. This ensures you never lose money. Gains can be locked in at any time. Also, you can set automatic high and low bands to lock in gains. Ferenc has access to 600+ index options. He has access to proprietary software that includes 1, 3, 5, and 10-year historical returns. This ensures you have the indexes with the highest potential upside and strong trac...
2025-11-0353 minYour Personal BankThe Buffett Indicator has Hit 217%, the Highest ever Recorded.Ferenc discusses the unprecedented valuations of the S&P 500, noting that 19 of 20 valuation metrics are above historical averages, including the Buffett indicator at 217%, the highest ever recorded. He warns of the AI bubble, citing a Bank of America survey where 54% of investors believe AI stocks are in a bubble. Ferenc highlights the concentration of wealth in tech stocks, with the top five companies representing about 30% of the S&P 500. He emphasizes the risks of market corrections, potential volatility, and the importance of diversification. Ferenc promotes index annuities and life products to continue unlimited upside potential while protecting downside market...
2025-10-2753 minYour Personal Bank with Ferenc TothData Center Energy Requirements are Estimated to be the Equivalent of 70 New Nuclear Reactors by 2028Ferenc Toth discusses the potential AI bubble, citing Jerome Powell's belated acknowledgment of asset purchases and the overvaluation of tech stocks, with 55% of fund managers believing tech stocks are overvalued. He highlights the lack of energy to power the AI needs. It is estimated the U.S. will need 70 new nuclear reactors to meet the needs of data centers by 2028. Ferenc also notes the disparity between high and low-income consumer confidence, with the top 1/3 of earners feeling 25% more confident. He advises reducing market risk through annuities and index products, emphasizing the importance of long-term investment strategies and risk management.
2025-10-2054 minYour Personal BankData Center Energy Requirements are Estimated to be the Equivalent of 70 New Nuclear Reactors by 2028Ferenc Toth discusses the potential AI bubble, citing Jerome Powell's belated acknowledgment of asset purchases and the overvaluation of tech stocks, with 55% of fund managers believing tech stocks are overvalued. He highlights the lack of energy to power the AI needs. It is estimated the U.S. will need 70 new nuclear reactors to meet the needs of data centers by 2028. Ferenc also notes the disparity between high and low-income consumer confidence, with the top 1/3 of earners feeling 25% more confident. He advises reducing market risk through annuities and index products, emphasizing the importance of long-term investment strategies and risk management.
2025-10-2053 minYour Personal Bank with Ferenc TothHow to Reduce Capital Gains on Highly Appreciated Assets and Reduce Market RiskFerenc Toth, a financial literacy educator, speaker, and entrepreneur, discusses the financial strategies and risks associated with the current market. He highlights the importance of understanding financial tools and making informed decisions. He emphasizes the benefits of Your Personal Bank, which offers high cash value policies, and annuities with unlimited upside potential and no downside market risk. He warns of the potential AI bubble, citing high valuations and the risk of a market correction. Ferenc advises on mitigating capital gains taxes through various strategies, including charitable trusts and partial conversions. He encourages listeners to scale out of market assets...
2025-10-1354 minYour Personal BankHow to Reduce Capital Gains on Highly Appreciated Assets and Reduce Market RiskFerenc Toth, a financial literacy educator, speaker, and entrepreneur, discusses the financial strategies and risks associated with the current market. He highlights the importance of understanding financial tools and making informed decisions. He emphasizes the benefits of Your Personal Bank, which offers high cash value policies, and annuities with unlimited upside potential and no downside market risk. He warns of the potential AI bubble, citing high valuations and the risk of a market correction. Ferenc advises on mitigating capital gains taxes through various strategies, including charitable trusts and partial conversions. He encourages listeners to scale out of market assets...
2025-10-1353 minYour Personal BankThe AI Bubble is the Only Thing Keeping the US Economy from RecessionFerenc Toth discusses the impact of the recent federal government shutdown, noting that 75% of employees are essential and 25% are non-essential, with the latter potentially facing termination. He criticizes the federal government's excessive spending, which has increased by 54% since pre-COVID times, despite a 2% population growth. Toth also addresses the AI bubble, citing a Deutsche Bank study predicting a severe correction when the bubble bursts. He emphasizes the importance of reducing market risk and suggests a conservative investment strategy, including annuities and high cash value policies, to mitigate potential losses.
2025-10-0653 minYour Personal Bank with Ferenc TothThe AI Bubble is the Only Thing Keeping the US Economy from RecessionFerenc Toth discusses the impact of the recent federal government shutdown, noting that 75% of employees are essential and 25% are non-essential, with the latter potentially facing termination. He criticizes the federal government's excessive spending, which has increased by 54% since pre-COVID times, despite a 2% population growth. Toth also addresses the AI bubble, citing a Deutsche Bank study predicting a severe correction when the bubble bursts. He emphasizes the importance of reducing market risk and suggests a conservative investment strategy, including annuities and high cash value policies, to mitigate potential losses.See omnystudio.com/listener for privacy information.
2025-10-0454 minYour Personal BankThe Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?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...
2025-09-2948 minYour Personal BankThe Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?Ferenc discussed the Federal Reserve's recent interest rate cut despite high asset prices, debt, and inflation. He highlighted the dual mandate's counteractive nature and the political influence on rates. Ferenc noted the AI euphoria, with the S&P 500's top seven tech companies accounting for 35% of its market cap. He emphasized the fragility of CPI data, with about a third of the calculations based on estimates. Ferenc shared that current consumer spending is relying on the top 20% of Americans. He also discussed the impact of rising home prices, mortgage costs, and the potential for a recession. He advocated for...
2025-09-2347 minYour Personal BankThe Short and Long Term Risks of the Current Stock Market and EconomyFerenc shares the short and long term risks to the current stock market and the overall economy. Short-term: - AI Bubble - Extreme valuations (all-time highs) - Extreme concentration in a few tech stocks - Nvidia: about half of sales from only 3 companies Long-term: - Higher bond yields caused by government debt and stubborn inflation - Increased borrowing costs - Generally bad for stock and real estate valuations How do you take advantage of future potential upside while protecting your downside? Annuities offer unlimited upside potential while guaranteeing the principle against loss. - This is the "Golden...
2025-09-0950 minYour Personal BankIs the AI Bubble Starting to Burst?Ferenc discusses the parallels between the current tech stock market bubble and the dot-com era, emphasizing the risks of overvaluation and potential corrections. He recounts a listener's 100% return on tech stocks and warns of the dangers of not locking in gains. Ferenc highlights the MIT study showing 95% of companies saw no return on AI investments, and the potential for a severe market correction. He also addresses the Federal Reserve's new inflation target and the implications for interest rates. Ferenc advises on risk management strategies, including annuities and cash value insurance, to protect against market downturns. Issues & Risks • AI stocks may be in...
2025-09-0246 min
Levelin’ UpHard-Won Wisdom w/ Ferenc TothWhat do you do when life knocks you down—twice? You rise stronger.
Ferenc Toth’s journey is more than a comeback story—it’s a masterclass in transformation. Growing up without a father, battling low self-worth, and watching his first business crumble in a recession, Ferenc didn’t just recover—he redefined his entire mindset around confidence, wealth, and purpose.
From military discipline to entrepreneurial success, Ferenc learned that resilience isn’t inherited—it’s built through fire. His scars became stepping stones. His setbacks, the setup for something greater. Whether you're an entrepreneur, a parent, or a pur...
2025-08-1752 minYour Personal BankThere are Significant Tax Opportunities Due to the Big, Beautiful Bill Ferenc cuts through the noise and politics and continues to share significant tax opportunities for many people due to the Big, Beautiful Bill that is now passed as law. The US government's lack of financial responsibility creates an opportunity. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees. - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields. - Fixed Index Annuities have the best upside potential in 40+ years with...
2025-07-2953 minYour Personal BankShow Title: Economists Created a Model of the US Economy using NASA Computers. The Model Crashed Due to the Federal Debt. Some leading economists and mathematicians built a computer model of the US economy to run various scenarios. Because this was such a big math problem, they used thousands of NASA and Amazon computers. The computers were unable to create a working model because of the rising debt. Us Government Debt is currently over $36 Trillion. The increasing interest on the debt is unsustainable. The computers projected interest on the debt would consume one-third of all tax revenues within a decade. In 20 years, interest on the debt was estimated to be about 80% of tax revenue. With the vast majority of revenues consumed by...
2025-07-2252 minYour Personal BankThe Big, Beautiful Bill has Passed. What is in it? How Will it Affect Your Money? There is a lot of confusing info regarding the Big Beautiful Bill. Forget the noise or the politics. What are the facts on some of the key aspects? No Tax on Tips: up to $25,000 of tip income is tax-free plus your standard deduction of $15,750 for singles, $31,500 for married filing jointly. Social Security Tax: Social Security Administration estimates 88% of seniors will no longer pay taxes on Social Security benefits. - $24,000: average Social Security benefit - $15,750: standard deduction for singles - $2,000: senior deduction - $6,000: new senior bonus (Big Beautiful Bill) - $23,750: Total deductions Taxable Social Security = Zero for average senior Requires citizenship for Medicaid. Health...
2025-07-1547 minYour Personal BankBrigham Blackham Interview, host of the Levelin' Up Podcast Brigham Blackham empowers top leaders through the art of storytelling. With a background in teaching Mandarin and theater, he combines his expertise in communication and leadership to help entrepreneurs elevate their stories and drive impact through personal & professional development. As host of the Levelin' Up Podcast, Brigham focuses on building relationships that foster collaborative capitalism—unlocking growth through meaningful connections and shared success. He is a master connector to help you identify the ideal resources to take your life & business to the next level. Us Government Debt is over $37 Trillion. The US government's lack of financial responsibility creates an opportunity. This is th...
2025-07-0855 minYour Personal BankIf Houses are not Selling, Why are not Prices Dropping? Many people are confused. If houses are not selling, why are not prices not falling? There are several reasons. Cause: Housing prices increased an average of 50% from 2019 -2024 in the US. Some areas increased up to 100%. Strong purchasing demand plus limited inventory was the primary reason for prices increasing. Housing affordability is at historical lows due to significantly higher mortgage interest rates and higher purchase prices. This has destroyed buying demand. The average American household can no longer afford to purchase the average home in America. Effect: Some homeowners are still hoping to cash in on the pandemic housing boom. Low mor...
2025-07-0148 minYour Personal BankHow High can US Debt go before it Triggers a Financial Crisis? Excessive government debt has contributed to inflation and is pushing interest rates higher. The government continues to add to the debt by spending more than it receives. The US government receives about $5T in revenues annually. They spend about $7T per year. Higher interest rates and increasing debt is increasing interest payments on the debt at unsustainable levels. Many are concerned the debt will lead to a financial crisis. The big question is how high can US debt go before it triggers a financial crisis? Government debt is currently about $37T. This is 121% of Gross Domestic Product (GDP). Interest payments are about...
2025-06-2451 minYour Personal BankStocks have not been this Expensive Relative to Bonds in nearly 25 Years Pimco released a report recently and stated stocks haven't looked this expensive relative to bonds in nearly 25 years. Bonds look better than they have for a long time. Pimco states "The traditional world order — in which economics shaped politics — has been turned on its head," according to a new five-year Pimco outlook co-written by Richard Clarida, now a global economic adviser at Pimco and formerly a Federal Reserve vice chair from 2018 to 2022. "Politics is now driving economics, especially in the U.S. and increasingly in how other countries respond." Pimco recommends inves...
2025-06-1749 minYour Personal BankWhy are President Trump and Elon Musk Bickering Over the "Big Beautiful Bill" Although I do not like Trump and Elon attacking each other, the conversation is very valuable and could lead to good results. Elon is bringing attention to the fact our government is taxing us too much and spending much of it on waste and fraud. The spending cuts are pathetic. The $1.5T in spending cuts is over 10 years. $150 billion per year in spending cuts is only about 2% of the approximately $7T annual spending. Our government increased spending 50% from pre-COVID levels. Our population increased 2% in the past 4 years. We need to push our representatives to do better. I don't believe it...
2025-06-1049 minYour Personal BankThe Inventor of the 4% Withdrawal Rule has Updated His Recommendation. It is Significantly Less than Guaranteed Lifetime Income Benefits. Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in retirement. The financial industry ran with this recommendation ever since. JP Morgan projects the following on a typical portfolio: Withdrawal Rate Likelihood of not running out of Money 3% 95 - 100% 4% 85 - 90% 5% 65 - 70% 6% 40 - 45% If you increase your withdrawal rate, your likelihood of success decreases significantly. Current Guaranteed Lifetime Income withdrawal rates: - Age 65: 7.5% guaranteed for life - Age 75: 8.5% guaranteed for life - Rates increase if you are older You can increase your income significantly with 100% likelihood of succes...
2025-06-0353 min
Filmklub podcastFriss Hús #2 - Respect nekem, hogy ezt megcsináltuk (feat. Tóth Barnabás, Hatházi Rebeka, Libor Anita & Deák Dániel)A Friss Hús fesztiválos gonzó podcastsorozatunk második részében monstre beszélgetést folytatok Tóth Barnabással, a kultikus/legendás (terep)SZEMLE című filmsorozat végre elkészült harmadik részéről. Szóra bírom Hatházi Rebekát a legelső filmje (Április huszonhét) legelső magyarországi vetítése előtt nem sokkal, és levezetem neki, hogy miért elkerülhetetlen, hogy jövőre ő nyerje az Oscart. Libor Anita elmeséli, hogyan hálózta be az életét az AI, és becsekkolunk Deák Daninál is, hogy tovább építsük a Jakab Vera-mítoszt...
2025-05-301h 37Filmklub podcastFriss Hús #2 - Respect nekem, hogy ezt megcsináltuk (feat. Tóth Barnabás, Hatházi Rebeka, Libor Anita & Deák Dániel)A Friss Hús fesztiválos gonzó podcastsorozatunk második részében monstre beszélgetést folytatok Tóth Barnabással, a kultikus/legendás (terep)SZEMLE című filmsorozat végre elkészült harmadik részéről. Szóra bírom Hatházi Rebekát a legelső filmje (Április huszonhét) legelső magyarországi vetítése előtt nem sokkal, és levezetem neki, hogy miért elkerülhetetlen, hogy jövőre ő nyerje az Oscart. Libor Anita elmeséli, hogyan hálózta be az életét az AI, és becsekkolunk Deák Daninál is, hogy tovább építsük a Jakab Vera-mítoszt...
2025-05-301h 37Your Personal BankMoody's Downgrades US Credit Rating, 30-Year Treasury Hits 5% (How to Increase Your Retirement Income Guaranteed) Moody's downgraded the US credit rating for the first time in history. This is the last of the 3 major credit agencies to downgrade the US credit rating. The primary concern is the increasing level of government debt. As a result, the 30-year treasury bond yields rose to 5%. This is the highest level since 2007. Bond buyers will demand higher interest (yield) to purchase government bands due to the increased risk. Bond yields and higher borrowing costs will be higher until the government addresses fiscal responsibility. Higher bond yields are one of the greatest threats to stock market asset values. Many large inst...
2025-05-2752 minYour Personal BankThe Tariff War with China has been Paused China and the US have agreed to pause the 145% US tariffs and 125% Chinese tariffs for 90 days while they negotiate an agreement. If the high tariff rates had gone into effect, it would have been similar to a trade embargo. Both countries have realized a trade embargo would be devastating to both economies. The US imports about 5 times more from China than China imports from the US. The US is the largest purchasing economy in the world. The buyer has the power. This gives the US a powerful position in this situation. We finally have a president that understands the strength of the...
2025-05-2052 minYour Personal BankRetirement is not about a Number, It is about Cash Flow. Many companies and people focus on a number to achieve a comfortable retirement. Retirement is not about obtaining a number. It is about cash flow. The 4% withdrawal rate is often recommended to ensure you don't run out of money with a high degree of certainty. Guaranteed Lifetime Income products provide 5-7% withdrawal rates guaranteed for life depending on your age. The older you are, the higher the withdrawal rate. This would increase income for most retirees 25 - 75% guaranteed for life. This ensures you don't run out of money in retirement. This is the "Golden Era" of fixed assets. The best rates...
2025-05-1352 minYour Personal BankMore Americans Worry about Running Out of Money in Retirement than Dying The 2025 Allianz Retirement Survey key findings: 64% of Americans worry more about running out of money in retirement than about death. The primary causes of their concerns are: - 54% cite the increased prices of goods due to inflation - 43% fear Social Security will not provide enough financial support as needed - 43% state high taxes negatively impact their economic situation Your withdrawal rate largely impacts the likelihood of success of not running out of money in retirement. The 4% withdrawal rate is often recommended by retirement experts for a high likelihood of success. According to multiple studies, if you initially withdraw 4% of your portfolio an...
2025-05-0649 minYour Personal BankWill the US-China Economic Cold War Lead to a Recession? The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominate future technology. China and the US are decoupling economically. This is similar to the Cold War with the Soviet Union. That was a military conflict. We are in the beginning of an Economic Cold War with China. Divorces can be amicable or messy. So far, China is fighting back. This may take some time. The primary question is how long will this take? The Tr...
2025-04-2950 minYour Personal BankIt is more than Tariffs. This is a China-US Economic Divorce. The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominant future technology. China and the US are decoupling economically. This is similar to the Cold War with the Soviet Union. That was a military conflict. The US eventually won the Cold War by outspending the Soviet Union, but it took years. They tried to keep up military spending but were unable to keep up with the US military spending. The US economy was much larger than the Soviet Union's. We a...
2025-04-2248 minYour Personal BankExtreme Stock Market Volatility is Here Due to the Tariff Situation The stock market is moving up to 8-9% up and down daily. The volatility is stomach churning. The primary concern is tariffs. It is uncertain if China will agree to a fair trade deal. China exports five times more to the US than the US exports to China. Tariffs affect China far more than the US. They are at a significant disadvantage. Globalist free trade proponents promised they following: 1. Free trade would lead to fair trade policies. Nations would follow the rules to remain trading partners. 2. Oppressive regimes would become more democratic. 3. Low income, unskilled workers would create a robust middl...
2025-04-1553 minYour Personal BankHow Will the Reciprocal Tariffs Affect the Economy and Our Money? The reciprocal tariff policy is about Fair Trade vs. Free Trade. Reciprocal tariffs will be calculated both the monetary and non-monetary totals. The US will tariff the other country about half of the tariff charged to the US. Non-tariff barriers are often worse. - Currency manipulation - VAT tax - Export subsidies - Counterfeit products - Technology theft - Subsidized dumping of products into our country designed to kill our industry. Free trade policies have been used against the US to destroy our manufacturing capability...
2025-04-0853 minYour Personal BankThe Dot-Com Bubble Peaked 25 Years Ago. Are Investors Repeating the Same Mistakes? It was a period of unfettered optimism. Nearly everyone thought the sky was the limit, it was a new era, valuations didn't matter. The only thing that mattered was how much you put into it, because it was going to continue to climb. Recently, greed was at extreme levels. Former Fed Chairman Alan Greenspan had warned about "irrational exuberance" in the stock market as early as 1996. Investors ignored this warning. Instead, they increasingly fixated on the promise of the new technology. The current technology promise is AI. The do...
2025-04-0154 minYour Personal BankThe Market in Correction Territory. Is this Just a Correction or the Beginning of a Bear Market? Ironic that the advice always the same. Stay the course. Hang in the there. It will get better. Yet, institutional investors, hedge funds, Warren Buffett have significantly reduced their exposure to stocks. Hedge funds sold the highest percentage of stocks in early March 2025 since the 2020 COVID correction. Warren Buffett sold the most stocks last year, both total amount and percentage, in his entire career. The concern is the reciprocal tariffs that will take affect 4.2.25. Even Trump has stated there will be a transition period. The c...
2025-03-2554 minYour Personal BankTariffs: What is the Trump Administration Economic Plan? The Trump administration wants: 1. Fair trade rather than free trade. - Many countries have taken advantage of the US for decades. - Reciprocal tariffs are fair, stop taking advantage of the US. - Making things in the US eliminates tariffs. 2. Bring manufacturing back to the US, build things again. - The US barely builds anything anymore. - Important for national security. - Increase good-paying jobs. 3. Reduce government spending - Causes inflation - Spending has exploded. Debt and deficit are unsustainable.
2025-03-1851 minYour Personal BankIshan Patel InterviewIshan shares his fascinating personal story. His first job was an insurance agent learning from Ferenc with Your Personal Bank. Ishan Patel, CEO/Founder of Audien Hearing was recently named top 3 entrepreneur of the year in the November 2024 Entrepreneur Magazine. https://www.entrepreneur.com/leadership/how-audien-is-revolutionizing-hearing-aids-for-1-million/481105 Ishan Patel was also a national finalist for Ernst and Young Entrepreneur of the Year. Out of 1,100 nominated businesses, he placed top 40 in the nation and top 5 of all emerging businesses.
2025-03-1152 minYour Personal BankWhat is Your Personal Bank and Why is Now is an Excellent Time to Consider Adding to Your PortfolioYour Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries to continue growth on funds even after you access the funds for other purposes. Your Personal Bank TM is a two step process. 1. A high cash value policy is established to maximize cash growth, insured, with guarantees, income tax-free, and highly liquid. 2. A bank line of credit is typically established using the cash in the policy as collateral to access funds. Typically, the interest or dividends earned are higher than the cost of borrowing...
2025-03-0451 minYour Personal BankSteve Trang, Disrupter Podcast HostSteve Trang started the Real Estate Disruptors podcast in 2018 to inspire wholesalers and real estate agents to double their incomes by adding a second leg to their business – working together on investment properties. The podcast has grown to over 100,000 downloads per month and over 3 million YouTube views, with new guests sharing their success stories and imparting advice every week. As a sales coach, Steve has helped thousands of clients generate millions in sales over the past few years in a variety of industries. His Disruptors Selling System teaches salespeople to ethically work with customers to discover their true needs, then craf...
2025-02-2553 minYour Personal BankThe Government Waste is not Incompetence, it is Corruption The amount of money wasted by the Federal Government is astounding. This level of waste is not incompetence, it is fraud. $2.7 trillion has been sent to recipients overseas who were not qualified to receive Social Security since 2003. This corruption has been happening for decades. Social Security is not going broke. It is being stolen. Just like any fraud, the thieves should be prosecuted, and the funds should be refunded to the victim. The victim in this case is the US taxpayer. The taxpayer deserves a break. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump ...
2025-02-1851 minYour Personal BankThe Trump Administration is Moving at Light Speed Most of Trump's executive orders are not changing anything. They are using common sense and moving the country back to it's foundational principles. The level of fraud and waste being exposed are shocking. This is a revolution of bureaucracy versus democracy. It is as significant as 1776 or the Civil War. This will likely result in a generational shift in how government operates. Citizens will demand transparency. After this, they will not accept massive waste of their tax dollars. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will ta...
2025-02-1149 minYour Personal BankProducts We Offer: Your Personal Bank, Annuities, Guaranteed Income Riders, Life Settlements, and Premium Finance We specialize in the following financial products: 1. Your Personal Bank: High Cash Value - Whole and Indexed Universal Life insurance policies 2. Fixed and Index Annuities: grow your money without market risk, access to over 50 companies 3. Guaranteed Lifetime Income: create income you cannot outlive, often referred to as a private pension 4. Life Settlements: companies will buy your insurance policy, shop the best offers 5. Premium Finance: bank fund premium on a high cash value insurance policy on your behalf, can create tax-free asset without out-of-pocket cost Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does...
2025-02-0453 minYour Personal BankWe have a New Administration. What this means for our Money. President Trump has signed many executive orders. Some of the challenges will be resolved quickly. Others will take more time. The federal debt will likely push yields and interest rates higher for several years. Ferenc shares why this is happening. When bonds mature, the government sells a new bond at the current interest rate. About $3T of the $36T of total debt matured in 2024. That was an all-time record. Almost no one is aware that about $7T of bands will mature and have to be sold in 2025. This will push bond yields, interest rates, and borrowing costs higher. Multi-trillion dollars of bonds w...
2025-01-2854 min
Danubius TC presents: The Metric ClubA Nyugat-európai edzésről és a hitről Tóth Lilivel | S002E011Vindics-Tóth Lili Anna olimpikon, VB-, és EB résztvevő, mezei EB ezüstérmes atléta volt a vendégünk: beszéltünk a dél-afrikai edzőtáborról, az új profi csapatáról, a hitről és a nyugat-európai mentalitásról is.
Kelet-Európa első profi közép- és hosszútávfutó klubja, egy műsor a statisztikák, edzések, technológia és hírek metszéspontjában. A magyar futótársadalom úttörőiként exkluzív tartalmakat biztosítunk a kiválóságra törekvő elkötelezett futók számára. Legyen szó sportolókról, edző...
2025-01-281h 19Your Personal BankWhat Higher Bond Yields Means for Your Finances! Higher bond yields (interest rates) benefits savers and punishes borrowers. How to thrive in a higher bond yield environment : 1. Pay down debt, particularly high interest debt. Your Personal Bank can accelerate debt pay-off. 2. Reduce market risk. Higher bond yields are a risk to stock market returns. Higher cost of borrowing tends to reduce company profits. 3. Increase returns in fixed assets to maximize returns. Dividend paying insurance policies, annuities, and guaranteed lifetime income historically pay the highest returns in the fixed asset space. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everyth...
2025-01-2152 minYour Personal BankInsurance companies have increased dividends and reduced borrowing rates for 2025!Insurance dividends are 6%+ while policy loan rates are 5-5.3%. Dividend rates currently average about 1% higher than the cost of borrowing. Dividends are expected to increase for the next 3-5 years if not longer. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher. Until the government starts paying down debt, bond interest rates will remain elevated. When bond yields (in...
2025-01-1450 minYour Personal BankTaxation Without Representation. How it Affects Us Today. The primary cause of the Revolutionary War was taxation without representation. Today we have a government that taxes us then sends billions of dollars to other countries, many who hate us. Did you vote for this? Do you support this? Most American citizens do not. The border has been open for the past 4 years. Most Americans want a secure border. The recent election proved this. The government has been involved in endless wars for decades. Most Americans are against this, yet the majority of our representatives vote in favor of additional funding. Do you feel represented? Most Americans do not. The rec...
2025-01-0749 minYour Personal BankSuccessful Goal Setting and the Wheel of Life Ferenc shares his popular annual successful goal setting message! He shares life-changing ideas on how to identify areas of your life that could use improvement using the Wheel of Life. Ferenc also shares the 4 steps to successfully accomplish goals. Many listeners have shared successful goal setting stories over the years that were inspired by Ferenc's message. Blackrock, Goldman Sachs, and JP Morgan analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade withou...
2024-12-3153 minYour Personal BankFerenc's Story Ferenc gets personal and shares his story for the first time in his radio career! You will be captivated by Ferenc's extraordinary story. He shares the events that shaped his life and why he thinks the way he does. Blackrock, Goldman Sachs, and JP Morgan analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored. Many financial experts are calling this the "golden age" of fixed investme...
2024-12-2448 minYour Personal BankGuaranteed Lifetime Income Benefits have Doubled in the Past Year! This is the best time to establish Guaranteed Lifetime Income in 42+ years! There are guaranteed lifetime products that offer up to a 30% bonus with a 8% guaranteed benefit increase annually. You can increase the income you receive in one year by 40%, guaranteed for life. Other products offer a 10% annual increase in your guaranteed lifetime income benefit. If you defer income for 7 years, you double your guaranteed lifetime income. The most common concern retirees have is running out of money before they run out of time. Guaranteed Lifetime Income is exactly what it sounds like. You cannot out-live the income. Pensions are a commo...
2024-12-1751 minYour Personal BankThe Stock Market Could Be Too Strong for Its Own Good Investors either don't see risks or don't care about them. AI optimists are behaving like the investors who got burned in the Great Depression and dot-com bubble, Vanguard's chief economist warns. The Stock Market Is Doing Something It's Never Done Before - Investors Could Be "Playing With Fire," According to Warren Buffett The Buffett Indicator shows US stocks are overvalued at 200% of GDP, one of the highest levels in history. Blackrock, Goldmann Sachs, and Vanguard all predict low stock returns (3-5% annually) for the next decade. Many financial experts are calling this the "golden age" of fixed investments. Even if...
2024-12-1054 minYour Personal BankUS Debt Hit $36 Trillion The US added $11.8 Trillion of debt since 2020. The government owes $108,000 for every American, man, woman, and child. Deficit spending as % of GDP is at World War 2 levels. 25% of government receipts pay interest on the debt annually. The massive debt will push interest rates upwards until the government starts paying down the debt significantly. This will increase the cost of purchasing autos and homes for most Americans. Americans have record household debt. Credit card and auto loans debt is at all time highs. The Buffett Indicator shows US stocks are overvalued at 200% of GDP, one of the highest levels in history. Corporate in...
2024-12-0353 min
Az élet meg mindenHuszár Ferenc — Varázspónik és unikornisok (Ep. 071)Huszár Ferenc egykoron a Magic Pony nevű startup vezető kutatója volt, amely céget a Twitter 2016-ban 150 millió dollárért vásárolt meg. Ezt követően a magyar szakember az amerikai közösségimédia-vállalat AI-gurujaként tevékenykedett tovább, és a Twitter legfontosabb algoritmusain dolgozott. Egyben segített létrehozni egy speciális csoportot is, amely team azonban Elon Musk érkezését már nem élte túl.Ebben az epizódban tehát Huszár Ferenccel, a Cambridge-i Egyetem tanárával beszélgetek arról, hogyan befolyásolják döntéseinket az...
2024-12-033h 00Your Personal BankJohn Burley Interview John Burley With 35+ years of investing experience and thousands of (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley has the perfect mix of street-savvy knowledge and sound investing principles. John is a Pioneer in the Real Estate Investment Business, originally trained in the World of Wall St., in 1989 he left and founded his Private Equity Company, where he serves today as the Founder & CEO. It is a leader in the industry, with holdings from multiple countries and a dozen different states. His was among the first ever companies to bring Single Family Home...
2024-11-2653 minYour Personal BankDoes Warren Buffett Know Something We Don't?- Warren Buffett has sold more stock this year than at any time in his career. - Berkshire Hathaway is sitting on the most cash in its history. - Warren Buffett did not purchase a penny in stock in the third quarter of 2024. - The Buffett Indicator shows US stocks are overvalued at 200% of GDP, one of the highest levels in history. Blackrock, Goldmann Sachs, and Vanguard all predict low stock returns (3-5% annually) for the next decade. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record...
2024-11-1953 minYour Personal BankTrump Will be Our Next President. What to Expect for Our Economy and MoneyHow will Trump administration policies affect our economy and money? Drill, Baby, Drill Energy prices affect nearly every product we purchase. Higher energy costs increase prices and inflation. Increased production will lower energy prices. Lower energy prices will reduce inflation. Deport illegal immigrants Total cost to transport, house, feed, and support estimated about $500 billion annually. This money came from taxpayers and government money printing. This is inflationary. The government money was being used to compete for food, clothing, housing, and ev...
2024-11-1253 minYour Personal BankUS National Debt Increased $473 Billion in 3 Weeks!The US Treasury Department plans to borrow an additional $1.37 Billion in the next 6 months. This will push the debt over $37 Trillion. Deficit spending is driving bond yields higher. This will continue as long as the government has significant debt. Higher bond yields increase insurance policy dividends. Multiple insurance companies have officially announced increased dividends for 2025! Most insurance experts predict dividends will continue to increase for the next 3-5 years up to the next 10 years. This is the best time to invest in high cash value insurance and annuities in 42+ years. Wall Street is concerned the stock market may be on the cusp...
2024-11-0549 minYour Personal BankOfficial Announcement: Increased Dividends for 2025! Multiple insurance companies have officially announced increased dividends for 2025! Most insurance experts predict dividends will continue to increase for the next 3-5 years up to the next 10 years. This is the best time to invest in high cash value insurance and annuities in 42+ years. The stock market, bond market, gold, and mortgage rates are all up. The stock market is expecting a "soft landing". Nearly everything needs to go right economically to justify current stock prices. The bond market, gold market, and mortgage rates are assuming recession, higher than average inflation, or both in the near future. Both cannot be right. ...
2024-10-2951 minYour Personal BankGovernment is Not the Solution, Government is the Problem The recent hurricanes demonstrated that reliance on government is unwise. It could even get you killed. The FEMA website offered $750 to US citizens who lost everything in the recent hurricane that destroyed much of western North Carolina. FEMA also recently announced they did not have the funds for another hurricane. Why did FEMA supposedly run out of money? According to the FEM website, they granted nearly a billion dollars to communities that recieved migrants over the past two years. Congress did not authorize this. Americans did not vote for this. The Biden-Harris administration stole the money to fund an illegal alie...
2024-10-2249 minYour Personal BankJohn Burley InterviewWith 35+ years of investing experience and thousands of (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley has the perfect mix of street-savvy knowledge and sound investing principles. John is a Pioneer in the Real Estate Investment Business, originally trained in the World of Wall St., in 1989 he left and founded his Private Equity Company, where he serves today as the Founder & CEO. It is a leader in the industry, with holdings from multiple countries and a dozen different states. His was among the first ever companies to bring Single Family Home (SFH) Port...
2024-10-1552 minYour Personal BankKip and Lora Brown InterviewKip and Lora Brown used Your Personal Bank to enhance their real estate investment business and allow Kip to retire from his corporate IT career early. Kip and Lora share their story and now help others achieve their goals as life coaches. Kip is a successful IT Professional. He traveled across the world making millions for the businesses he worked for. He discovered that his dedication and hard work providing a life for his family kept him from spending the time he wanted to with them. He wanted his TIME BACK! How best to accomplish that?
2024-10-0853 minYour Personal BankWhat Direction Do You Want Our Country Headed?1. Stocks have been rising like a "soft landing" has already occurred. 2. Gold has been rising like we are in the midst of a major economic crisis. 3. Bonds have been falling like the Federal Reserve has finished cutting interest rates. 4. Real Estate has been rising like interest rate cuts just started. 5. Oil has been falling like demand is reducing due to recession. 6. Natural Gas has been rising like demand is increasing. No one knows what will happen. Uncertainty typically leads to volatility. Likely, we have a bumpy ride ahead. We also have one of the most important elections ahead of us...
2024-10-0153 minYour Personal BankThe Federal Reserve Surprised with a Large Interest Rate Cut. Is this Good or Bad for the Economy?The Federal Reserve surprised many people with a 0.5% rate cut recently. Some are touting this as a good thing, especially the current administration and the legacy media. Every time the Federal Reserve moved interest rates lower by 0.5% or more previously, it was due to a crisis or really bad economic news. The Federal Reserve does not lower interest rates from the kindness of their heart. They lower interest rates because they are concerned about a bad economy. Historically, the stock market has dropped signi...
2024-09-2451 minYour Personal BankWe Pay Taxes Upon Taxes and Taxes Will Increase if Congress Does Nothing. Take Advantage of Low or No Capital Gains While They Last. You may be able to sell assets with zero capital gains if your gross income is below $120,000 married, filing jointly, or $60,000 as a single. Also, capital gains will increase in 2026 if congress does nothing. If you have assets subject to capital gains, take advantage of the historical low tax rates while they last. Most Americans pay payroll taxes, sales tax, property tax, income taxes, and inflation which is a hidden tax. Our money is taxed multiple times. You should reduce or eliminate taxes whenever possible. Your Personal Bank creates a tax-free bucket of money, insured, with guarantees, and highly liquid. ...
2024-09-1052 minYour Personal BankWhat is Your Personal Bank and Why is Now is an Excellent Time to Consider Adding to Your PortfolioYour Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries to continue growth on funds even after you access the funds for other purposes. Your Personal Bank TM is a two step process. 1. A high cash value policy is established to maximize cash growth, insured, with guarantees, income tax-free, and highly liquid. 2. A bank line of credit is typically established using the cash in the policy as collateral to access funds. Typically, the interest or dividends earned are higher than the cost of borrowing...
2024-09-0351 minYour Personal BankThe US Labor Department is Revising Jobs Lower AgainThe US Labor Department has revised the jobs numbers down nearly every year for over a year. Now the government admits to inflating the jobs numbers by reducing the jobs numbers by up to one million over the past year. Many American consumers are supplementing their living expenses with debt. Credit card balance is at an all-time high. Credit card defaults are at the highest level since 1991. A recent Piper Sandler analysis states 2024 looks reminiscent of 1970 and 2021 recession years. The American consumer has more debt and less savings than in 1970 and 2021. Consumer weakness could lead to a sharper decline than 1970 and 20...
2024-08-2748 minYour Personal BankInflation has Fallen Below 3% for the First Time Since March 2021July 2024 Consumer Price Index (CPI) was reported at 2.9%. This is the lowest level since March 2021. Although the rate of inflation is slowing down, prices are not going down. They are still increasing. The cumulative price increases over the past 3 years are hurting Americans. Despite what you hear from the media and Wall Street about a potential rate cut, the Federal Reserve is far more concerned about inflation than recession. An economic slowdown actually helps the Federal Reserve fight inflation. If the Federal Reserve cuts rates too soon, they could reignite inflation and make things worse. Also, they have a history of moving...
2024-08-2052 minYour Personal BankThe AI Bubble Has Burst. Is Recession Next?The AI tech bubble has burst due to a weak unemployment report, poor earnings, and a surprise Japanese interest rate increase. A popular institutional trade was to borrow money cheaply in Japan, then use margin to invest in assets that vary in value like tech stocks. When the cost of borrowing increased, so did the capital required to borrow. This created a huge amount of margin calls. The massive selling created panic in the markets. If the economy was strong the market would likely move on from the recent crisis. The excess savings from COVID relief is gone. Consumer household debt h...
2024-08-1351 minYour Personal BankWe Are in A Bifurcated Economy. What Does That Mean for the Future?- A recent CNN study reports 39% of Americans are concerned about paying their bills. In comparison, 37% were concerned about paying bills during the Great Recession in 2008 - 2009. - Household debt has set a new record high. - Credit card debt is at record highs. Banks are bracing for major loan defaults. - 25% of Americans have resorted to skipping meals to avoid high food prices. - The rate of increases of inflation is moderating, but the cumulative impact of several years of inflation has devastated buying power. - The pressure is real. Everything is much more expensive than it was four years ago...
2024-08-0655 minYour Personal BankJohn Burley Interview, Real Estate Expert, Educator, Private Equity Company FounderJohn Burley With 35+ years of investing experience and thousands of (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley has the perfect mix of street-savvy knowledge and sound investing principles. John is a Pioneer in the Real Estate Investment Business, originally trained in the World of Wall St., in 1989 he left and founded his Private Equity Company, where he serves today as the Founder & CEO. It is a leader in the industry, with holdings in multiple countries and a dozen different states. His was among the first ever companies to bring Single Family Home...
2024-07-3053 minYour Personal BankThe Failed Trump Assasination Attempt Gives Me Hope for the Future of the USThere is no logical explanation that Trump is alive today. If you understand anything about firearms, you understand this. The fact that the shooter missed Trump from 130 yards is nothing short of a miracle. He should be dead today. The reason I am hopeful is this demonstrates God has not given up on this country. This fact is hard to ignore. Many people have recognized this also. This is the type of thing that can reunite a divided country. Unfortunately, there are some who refuse to recognize this. Jeremiah 5:21 states "Hear thi...
2024-07-2351 minYour Personal BankUnemployment is Rising: Is This the Last Straw That Leads to Recession? High Inflation is no longer the only risk to the economy according to Jerome Powell, Federal Reserve Chairman. Unemployment has risen over the past three months. The "Sahm Rule" says that when the three-month moving average of the jobless rate rises by at least a half-percentage point from its low during the previous 12 months, then a recession has started. This rule would have signaled every recession since 1970. Unemployment is currently 0.43% higher than it was last year. If unemployment increases another 0.07%, one of the most accurate economic indicators predicting recession will trigger. I believe we are in...
2024-07-1652 minYour Personal BankAmericans Savings are Less than Pre-Pandemic Levels The long term savings rate for Americans is about 4% of annual income. Americans accumulated $2.3 Trillion of excess savings in August 2021 primarily due to government pandemic stimulus. This excess savings has allowed consumer spending to remain strong for the past 3 years. Consumer spending accounts for about two-thirds of Gross Domestic Product (GDP). Consumer spending has been the lone bright spot in the economy and likely has prevented a recession so far. Consumer spending is weakening. Americans' savings are now below pre-pandemic levels. Credit card debt is at record highs. Many Americans are using savings and debt to pay for basic expenses. The Ame...
2024-07-0952 minYour Personal BankAn overload of warning signals could signal a market crash. A high concentration of warning signals suggest a major market correction is ahead. There's nothing magical about these signals, but when dozens of them kick in at the same time, it is time to pay attention. Diversification is always financially wise to reduce risk. It becomes especially important with increased market uncertainty. Your Personal Bank policies are insured, with guarantees, income tax-free, and highly liquid. Annuities can offer up to 8% guaranteed first year and/or double digit gains in good market years with the principle guaranteed. There is no downside market risk. This is the best time in 40+ years due to hi...
2024-07-0252 min
Filmklub podcast"Azok a kisördögök már nem fognak visszajönni" - Tóth Orsi (Kálmán-nap)Tóth Orsival utoljára 16 éve beszélgettem hosszabban (érdemes elolvasni azt az interjút, de vigyázat, az Origón van!), pont pár nappal a Delta cannes-i bemutatója előtt. Akkor még haragban volt a világgal, azóta lenyugodott, megállapodott, szült három gyereket és a színészkedés némileg háttérbe szorult az életében. Most viszont megint főszerepet játszik egy mozifilmben, Hajdu Szabolcs Kálmán-nap című párkapcsolati drámájában.
Sokat dumáltunk a változásról, amin Orsi keresztül ment az évek során, és ho...
2024-03-2355 min
Filmklub podcast"Úgy nem török össze, hogy összetörök" (feat. Mácsai Pál, Péterfy Bori, Váradi Gergely, Varga-Járó Sára, Tóth Barnabás, Lisztes Linda és Sümeghy Claudia)A Filmklub podcast legújabb adásában a Mesterjátszma című új magyar thriller alkotóival beszélgettem. Nézzük, kivel miről!
2:23 - 15:39 | Lisztes Linda
Linda a rendező munkatársa, felesége és három gyermekének anyja. Sokat dumálunk a láthatatlan munkáról, amit a nők végeznek a férjük helyett, plusz szóba jön a Szomszédok is, aminek az egyik részében Linda szerepelt.
15:39 - 30:08 | Mácsai Pál
Itt megpróbálok tizenöt percben életműinterjút csinálni egy negyvenéve...
2023-11-161h 30
Az élet meg mindenSzőnyi Ferenc — A versenygép (Ep. 058)Részben anyagi és magánéleti gondok elől futott, biciklizett és úszott világgá – jobban mondva a világba Szőnyi Ferenc. Pedig olyan környezetben nevelkedett, ahol kerékpárral maximum a szomszéd faluba volt szokás áttekerni, és igazából úszni is csak első, nemzetközi triatlon versenye előtt pár héttel tanult meg.Ebben az epizódban tehát vele beszélgetek elképesztően hosszú távokról, rendhagyó edzésprogramokról, a vasember diétájáról, a Himalájában megtalált csendről és alázatról, valamint arról, mi táplálja benne a...
2023-03-312h 13
Az élet meg mindenJordán Ferenc — A vadon szava és a beszorított Balaton (Ep. 037)Jordán Ferencet a magyar sajtóban sokszor emlegetik úgy, hogy a magyar tudós, aki „megjósolta a járványt”. Ám a biológus, rendszerökológus hangsúlyozza, ehhez nem kellett szuperképesség: amit ő, gyakorlatilag pár perccel a pandémia kitörése előtt mondott, arra tudósok már évtizedek óta figyelmeztetnek – legfeljebb nem hallgatunk rájuk.Úgyhogy ebben az epizódban sokat beszélünk arról, hogyan működik a természet evolúciós tartalékaként a vadon? És miért óriási probléma az, ha egy túl sikeressé vált faj – az ember – m...
2021-04-302h 09
Monika Toth JournalistHBC News Station. 2020. 07. 14. 16 Óra: Dr. Falus Ferenc.DR FALUS FERENC orvos, volt tisztifőorvos: Második hullám versus orosz vakcina.
#HBCNewsCorporation #HBCNewsStation #16Ora #16Hours #DrFalusFerenc #Covid19 #Koronavirus #TothMonika #MTothJournalist #MonikaTothJournalist #MToth
2020-08-1717 min
Monika Toth Journalist2020. 03. 30. / Civil Rádió / KONTINGENS / DR. FALUS FERENC orvos, tüdőgyógyász, volt országos tisztifőorvos: Koronavírus-járvány - aktuális:2020. 03. 30. / Civil Rádió / KONTINGENS / DR. FALUS FERENC orvos, tüdőgyógyász, volt országos tisztifőorvos: Koronavírus-járvány - aktuális: Csökkenő olasz tendencia - vagy mégsem? A védekezés aktuális állapota. A hallgatói kérdésekre válaszol: Dr. Falus Ferenc. Szerkesztő-műsorvezető: TÓTH MÓNIKA.
#CivilRádió #CivilRadio #CR #KONTINGENS #Kontingens #DrFalusFerenc #COVID19 #koronavírus #koronavirus #koronavírusjárvány #koronavirusjarvany #MToth #MTothJournalist #MoniaTothJournalist #MTothPolitics #MTothPublic
2020-03-3114 min
Filmklub podcast#87 Tóth Barnabás az Oscaról és az Akik maradtakrólÚjratervezés című kisfilmjével több mint másfél millió embert ríkatott meg pár éve, az Osvárt Andrea főszereplésével készült Susotázs pedig tavaly rákerült a tízes szűkített Oscar-listára. A szinkrontolmácsos vígjáték végül nem kapott jelölést, ám Tóth Barnabás rendezőnek nem értek véget az izgalmak idénre: ismét beleveti magát az Oscar-versenybe, ugyanis a héten a mozikba kerülő Akik maradtak című posztholokauszt drámája lett a hivatalos magyar nevezés a nemzetközi film kate...
2019-09-251h 27Filmklub podcast#87 Tóth Barnabás az Oscaról és az Akik maradtakrólÚjratervezés című kisfilmjével több mint másfél millió embert ríkatott meg pár éve, az Osvárt Andrea főszereplésével készült Susotázs pedig tavaly rákerült a tízes szűkített Oscar-listára. A szinkrontolmácsos vígjáték végül nem kapott jelölést, ám Tóth Barnabás rendezőnek nem értek véget az izgalmak idénre: ismét beleveti magát az Oscar-versenybe, ugyanis a héten a mozikba kerülő Akik maradtak című posztholokauszt drámája lett a hivatalos magyar nevezés a nemzetközi film kate...
2019-09-251h 27
Creative Real Estate PodcastAAA45 Be Your Own Bank - Ferenc TothHave you heard of personal banking? Join us on this episode to learn from Ferenc Toth and his creative financial strategy! Ferenc Toth has been in the financial industry for 18 years and started off in real estate with HUD properties. Topics discussed: Financial wealth HUD Properties Cash-Flow Links mentioned in this episode: http://securemgt.com/ 866-515-6280 Creative Real Estate Lunch Club Boulder, Tuesday : Noon - 2:00 p.m. [https://www.meetup.com/es/LunchClubBoulder/] Northern Colorado, Wednesday : Noon - 2:00 p.m. [https://www.meetup.com/LunchClubNoCo/] Denver, Thursday : Noon...
2018-04-2529 minFilmklub podcast#43 Tóth Barnabás, Deák DánielPár éve végigsöpört a magyar interneten az Újratervezés című kisfilm, három nap alatt egymillióan nézték meg, összesen másfél millióig jutott. Ez olyan elképesztő szám, amiről a Kincsem is csak álmodhat. Most az Oscar-díjas Mindenki fut be hatalmas karriert, rengetegen látták, családi asztaloknál és a metró aluljárójában egyaránt beszédtémává vált, heves vitákat váltott ki. Kevesen tudják, de az Újratervezés és a Mindenki csak a jéghegy csúcsa - az utóbbi években számos számos kiváló magya...
2017-03-311h 27Filmklub podcast#43 Tóth Barnabás, Deák DánielPár éve végigsöpört a magyar interneten az Újratervezés című kisfilm, három nap alatt egymillióan nézték meg, összesen másfél millióig jutott. Ez olyan elképesztő szám, amiről a Kincsem is csak álmodhat. Most az Oscar-díjas Mindenki fut be hatalmas karriert, rengetegen látták, családi asztaloknál és a metró aluljárójában egyaránt beszédtémává vált, heves vitákat váltott ki. Kevesen tudják, de az Újratervezés és a Mindenki csak a jéghegy csúcsa - az utóbbi években számos számos kiváló magya...
2017-03-311h 27
FM 1x1 Ekereskedő rádióKözösségi marketing 2012 Molnár Ferenc WebkukkolóvalEbben az adásban megnézzük mit és hogyan kell használni a siker elérése érdekében. Molnár Ferenc Webkukkoló Facebook marketing szakértővel a lehetőségekről beszéltünk és Feri elárulta mire készül Május 3-4.-én :-)
Az adásban elhangzó link:
http://www.kozossegimarketing.eu/live/ii-facebook-marketing-nap/kedvezmeny/?a_aid=netkreativ
2012-04-2614 min