Advertise on podcast: Your Personal Bank

Diesel prices have hit record highs recently because Ukraine has been attacking Russian refineries. Russia supplies much of the world's diesel.   Trump buys $6 Billion of diesel from Russia to help US farmers, truckers, and consumers. The left and Europe are upset. Europe has purchased over $375 Billion of Russian oil, gas, and coal in the past 3 years while supporting Ukraine. Europe bought nearly $3 Billion in August 2026. What hypocrites!   Trump also negotiated a ceasefire between Russia and Ukraine energy because it affects the rest of the world. The next day Ukraine broke the deal and attacked Russian oil refineries again.   Many think that leftists and globalists directed Zelensky to defy the agreement brokered by Trump because lower gas prices would help the Republicans in the midterms. Don't fall for the psyop.   Many people have heard about the stock market rising, yet their account statements are showing losses.   S&P 500   - 70% of the rally since March 2026 was driven by 10 stocks   - 85% of the stocks are down 10%+ from their all-time highs   - 59% are down 20%+   - 41% are down 30%+   - 17% are down 50%+   This is a clear sign that most stocks are struggling because of higher interest rates. Higher interest rates are driven by higher long-term bond yields. This is caused by high government debt. This is unlikely to change for years if not decades.   Blackrock has cut US stocks to neutral and turned bullish on Treasuries.   This is the "Golden Era" of fixed assets. This is the best time in 40+ years to invest in index annuities, index universal life, and high cash value whole life.

Affordability is still a concern prior to the midterm elections - Groceries     - 3.9% average annual increase since 1970     - 30%+ increase during Biden administration     - 2.1% average annual increase Trump second term     - people are suffering from the price spike during the Biden administration - Housing     - Prices at historical high     - Mortgage rates increasing but within normal range     - Dallas Federal Reserve White Paper           - 1% increase in workforce = 1% increase in house and rent prices           - 1% reduction of workforce = 0.96% decrease in house and rent prices     - Deportations, voluntary and otherwise, reduces housing prices - Fuel     - Crude oil exports thru Strait of Hormuz reached 98% of pre-war levels recently     - Ukraine has been attacking Russian oil refineries recently, Russia supplies much of the world's diesel     - US has not built a major oil refinery since 1977     - California closed four refineries in the past year   Annuity returns are the highest in decades due to record long-term bond yields. This is likely to continue for years. - Multi-Year Guarantee: 6.45% return guaranteed for 8 years currently available - Index (Growth) Annuity: 7.67%-15.5% 10-year average annual returns  - Up to 26% bonuses available - Highest guaranteed lifetime income available in decades

The 30-year treasury surged to over 5.5%, the highest level since 2004.  The 10-year treasury exceeded 5.25%, the highest since 2007. The federal government debt is over $40T and is adding about $2T of debt per year. This is the primary reason why bond yields have been rising since 2022. It will likely continue to increase in the future. Rising bond yields are making equities less attractive. The extra return stocks typically offer over bonds is near multi-decade lows. At the same time the S&P 500 is near all-time highs, yet about half of the stocks are declining. The 10 largest companies account for about 40% of the S&P 500. A few massive companies are making the market look much stronger than many stocks are. The 30-year fixed mortgage hit about 7.5% recently. This increases the cost of a mortgage about 40%. The average cost to buy a house is about $1,000 per month higher than rent. This is the highest on record. These are massive economic changes.  Fixed index annuities and high cash value life policies thrive in higher interest rates. They are some of the best financial tools to obtain strong upside gains while eliminating downside market risk. This is the "Golden Era" of fixed assets. We are experiencing the highest returns in decades. This will likely continue.

Why are fuel prices still climbing, and who's really responsible? On this week's Your Personal Bank Show, Ference Toth digs into the hidden factors driving diesel and gas prices higher, from refinery shutdowns to energy policy decisions. He also breaks down major changes to H-1B visa programs and what they could mean for American workers. Plus, learn why today's financial environment may be creating unique opportunities for retirement planning and protected growth strategies.

The Federal Reserve recently increased interest rates 0.25% recently. This is the first rate increase since July 2023. The reasons cited were to address stubborn inflation. Inflation is primarily caused by the government spending too much money. This pushes interest rates and long-term bond yields higher. Also, the Federal Reserve signaled there would likely be another rate hike before the end of week.  This will increase borrowing costs. The markets reacted negatively. Higher interest rates typically are bad for stocks, the real estate market, and cryptocurrencies. Fixed assets (CD's, bonds, and index products) thrive in a higher interest rate environment. This is the "Golden Age" of fixed assets. Ferenc shares several client examples that have suffered poor performance due to low performing indexes, high fees, caps, and low participation rates.  Ferenc explains how he was able to find products that will increase their potential increased returns 3X+ based on the past decade historical returns.

Some Americans are frustrated that affordability has not improved quicker. The US has not built a major oil refinery since 1977. Oil prices have remained high primarily due to limited refining capacity. The Trump administration recently announced the first major oil refinery since 1977. Allowing too many people into our country has created increased prices for food, housing, medical expenses, and nearly every item we purchase. If the immigration crackdown continues, an estimated 15 million foreign-born people will leave the US by the end of president Trump's term. The affordability issues have been created over decades. Fixing these problems takes time. Structural changes this significant typically are a result of bloody revolutions. So far, we have gotten off easy. It is naive to think that enemies of America, the Legacy Media, Globalists, the Uni-Party, Bureaucrats, and Democrats would give up easily. Ferenc shares an extreme client example that had suffered extremely poor performance due to poor indexes, high fees, and low participation rates.  Ferenc explains in detail how he was able to find a product that will increase their potential increased returns 10X based on the past decade historical returns.

This is the Golden Era of Fixed Assets Best index and income annuities available in my 27-year career! -            Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years -            Up to 27% signing bonuses are available up to age 89 in most states. -            Highest guaranteed lifetime income o   8-10% guaranteed annual income increase rollup o   Up to 45% bonus available in most states Index (growth) annuity -            Strong upside potential gains -            No downside market risk -            Principal guaranteed -            Once gains locked in, become new principal -            Some products: can lock in gains at any time -            Tax-deferred growth: pay taxes on gains only when withdrawing funds   Common Misconception: If you want guarantees, you have to give up strong returns. Not true! Annuities suffer from perception of poor performance. If you choose a bad stock, do you blame the entire stock market?   Index Annuity Poor Performance Reasons 1.       Caps and other limits 2.       Wrong Indexes 3.       Low interest rates when purchased   How do you avoid poor performance? Independent agent 1.       Access to nearly every product available, ensure best option 2.       About 10% of agents/advisors are independent 3.       If you met with an agent/advisor and were only shown one or two products, likely not independent 4.       Product search: literally dozens of companies and 100's of products   Index Performance Report -            100's of indexes -            Most poor performers - Choose strong performing indexes   Ensure Strong Index Annuity Returns 1.       Strong performing Indexes 2.       No Caps: unlimited upside 3.       Low or no fees 4.       Strong participation rates: enhance returns

The US Supreme Court has allowed the United States Postal Service to require unique bar codes on mail-in ballots. Ballots will be tracked similar to packages. This eliminates duplicate ballots and will greatly reduce fraudulent ballots. The USPS does not determine voter eligibility or decides who receives a ballot. They do not open the ballots nor see the actual votes. This eliminates duplicate ballots. The unique barcode on the envelope and on the return envelope ensure the number mailed is not greater than the number mailed out and that the mailing in a ballot is the same person who received them. This will greatly reduce fraudulent ballots. States retain 100% control over voter registration rolls and eligibility. If states include non-citizens on the voter rolls, there is a paper trail. This creates accountability. Ferenc shares the frustration many people have with financial advisors/agents not really listening to their desires and solutions to this problem. Please contact Ferenc at [email protected] or 866-268-4422 for more info.

In the early 70's, there were about 4 million SNAP recipients, or about 1/50 Americans. In 2026, there are nearly 40 million SNAP recipients, or about 1/9 Americans. Government statistics show over half or illegal aliens. Another third are non-citizens. Less than 20% of SNAP recipients are US citizens.   The 9-fold increase was not driven by poverty. The poverty is significantly lower in 2026 than in the 1970's.   The total of all welfare programs is about $1.5 trillion per year. This is more than our entire military budget. It's more than Social Security. This is more than any other program in the US.   Illegal aliens receive welfare. Every illegal deported is a tax cut for US taxpayers.     The 4 Keys to Maximize Index Returns 1. Strong Performing Index: without knowing the historical index performance, you are flying blind 2. Fees: high fees reduce returns 3. Caps: limit upside gains 4. Participation Rates: higher participate rates can accelerate gains higher than underlying the underlying index   A high participation rate can accelerate gains even higher than the underlying index.   If you are suffering low returns with your index annuity, contact Ferenc at [email protected] or 866-268-4422 to learn how to increase your potential upside gains.

The S&P 500 recently hit a new all time high. The index has doubled since 2023.   The 30-year treasury recently exceeded 5%, the highest level since 2007. The bond yield has been increasing since 2020.   The stock market has been led by a few tech companies. Stock prices are driven by sentiment. Sentiment can change quickly.   Bond yields are rising due to federal debt. As long as the government continues to spend more than it receives, bond yields will keep increasing. Until Congress stops spending more than it receives, this will continue. There is no sign of this changing in the foreseeable future.   Higher interest rates are typically bad for the stock market. Higher interest rates increase the costs to borrow and expand business. Profits typically decline.   Both cannot continue rising long-term.    My bet is the stock market will decline before the bond market. The bond market is significantly larger than the stock market. The driver of increased bond yields is not changing.    This creates significant risk and opportunity.   This is the Golden Era of Fixed Assets. Fixed index annuities are generating the highest returns in decades due to the higher bond yields.

This is the Golden Era of Fixed Assets Best index and income annuities available in my 27-year career! -            Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years -            Up to 27% signing bonuses are available up to age 89 in most states. -            Highest guaranteed lifetime income o   8-10% guaranteed annual income increase rollup o   Up to 45% bonus available in most states Index (growth) annuity -            Strong upside potential gains -            No downside market risk -            Principal guaranteed -            Once gains locked in, become new principal -            Some products: can lock in gains at any time -            Tax-deferred growth: pay taxes on gains only when withdrawing funds   Common Misconception: If you want guarantees, you have to give up strong returns. Not true! Annuities suffer from perception of poor performance. If you choose a bad stock, do you blame the entire stock market?   Index Annuity Poor Performance Reasons 1.       Caps and other limits 2.       Wrong Indexes 3.       Low interest rates when purchased   How do you avoid poor performance? Independent agent 1.       Access to nearly every product available, ensure best option 2.       About 10% of agents/advisors are independent 3.       If you met with an agent/advisor and were only shown one or two products, likely not independent 4.       Product search: literally dozens of companies and 100's of products   Index Performance Report -            100's of indexes -            Most poor performers - Choose strong performing indexes   Ensure Strong Index Annuity Returns 1.       Strong performing Indexes 2.       No Caps: unlimited upside 3.       Low or no fees 4.       Strong participation rates: enhance returns

Index Annuity Poor Performance Reasons 1.       Caps and other limits 2.       Indexes with historical low returns 3.       Low interest rates when purchased (2022 or earlier) Who should contact me: 1.       Own or considering annuity with caps (less than 10% annual caps) 2.       Suffering low returns (likely poor performing index) 3.       Purchased annuity 2022 or earlier

Election Integrity is the greatest challenge of our generation.   China stole 220 million American voter files then created large numbers of fraudulent driver's licenses to allow non-citizens to vote. US intelligence agencies knew about this yet did nothing and hid the info from the President and the American people.   The Department of Homeland Security reviewed public data files of 4 states and found 278,000 non-citizens registered to vote. It is likely millions of non-citizens are registered to vote nationwide.   Michigan police raided a large-scale voter registration fraud operation involving 44 people in 6 counties. One person alone submitted over 8000 votes with the same signature. They seized weapons, computer files, and significant evidence of voter fraud.  The police investigation also found the Biden campaign paid the operation $11 million. The Biden FBI took over the investigation then did nothing. No one was charged.   The actual damage was not that Donald Trump lost the 2020 election. The real damage is the ballot is more than a counting exercise. It is how "We the People" exercise authority over those we chose to represent us.   Election fraud diminishes the legitimate voter's voice. Continued unabated, we will eventually lose our power and the freedoms we enjoy.   Ferenc shares the 3 primary reasons index annuities suffer from poor returns. 1. Low interest rate environment from annuities purchased before 2023. 2. Investing in indexes with poor index performance. 3. Caps limiting index performance.   You can increase potential index annuity returns 2-3X: 1. Transfer/rollover to new index annuity product to increase returns. 2. Choose indexes with strong return history (9-15% average annual returns past 10-20 years). 3. Eliminate caps (unlimited upside).   Contact Ferenc at [email protected] or 866-268-4422 for more info.

Ferenc shared the best index annuity product he has seen in his 26-year career recently became available. Unfortunately, this product is only available up to age 80. Now, the best index annuity product for 81-89 year olds has recently become available.  There are two options: 1. S&P 500 and NASDAQ 100 indexes with 9-10% average annual returns past 10 years. 2. Up to 26% signing bonus with strong growth index options. Both options include: 1. No downside market risk. Principle is guaranteed. 2. Once gains are locked in, guaranteed against future market risk. This is the 'Golden Age" of fixed assets. This is the best time in 40+ years to consider an index (growth) annuity. Contact Ferenc for more info. YourPersonalBank.com [email protected] 866-268-4422

New technology has created market bubbles throughout history. The technology changes, the times change, yet human behavior does not. The price of an asset ultimately is what someone is willing to pay for it. When there are not more buyers willing to pay the price, the correction starts. It is not about intelligence. It is about understanding the perceived value and what time it is. Sir Issac Newton made money in the Tulip Mania in the 1500's and got out. The prices continued to increase. He resisted reentering the market because he knew logically that prices were too high. Eventually, he reinvested near the top, then lost most of his money. The Climax Rally is often the final cycle of a bull market. Excitement and euphoria are at the highest. It is also the most dangerous and risky portion of a bull market. This the "Golden Era" of fixed assets. The best annuity products are available in my 26 year career! There are index annuities without caps that offer unlimited upside potential. They also protect against downside market risk. The principal is guaranteed.  Contact me at [email protected] or 866-515-6280 for more info.