Your Personal Bank

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 I...

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 re...

Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights. 1. An annual review with a client who received 20% return with their index annuity this past year. 2.A review wit...

Gold dropped 5% while Silver fell 10% in one day recently. The S&P 500 Index has stayed in a range between 6800 and 7000 since the beginning of the year. 2026 may become known as the year of volatility. This is not a surprise. I stated...

Gold prices have dropped suddenly after a historic increases over the past year. Silver plunged 26% in one day, the largest drop in history. Gold and to a lessor degree silver prices had increased dramatically due to concerns...

A household needs $132,000 income to afford the median home. Only 31% of households can afford the median home. The median age of homebuyers is 59. The average age of first-time homebuyers is 40. 77% of households earning $13...

Trump just issued an executive order to ban large institutional investors from purchasing single family homes. He stated "A person sweats, works, buys one house and can't take depreciation". The average age of first time home...

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 ...

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 cr...

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 i...

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 succe...

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.