Your Personal Bank

Your Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries to continue growth on funds even when you access them for other purposes.

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The Buffett Indicator has Hit 217%, the Highest ever Recorded

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Oct. 29, 2025

The 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...

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Oct. 22, 2025

Data Center Energy Requirements are Estimated to be the Equivalent of 70 New Nuclear Reactors by 2028

Ferenc 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 highligh...

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Oct. 15, 2025

How to Reduce Capital Gains on Highly Appreciated Assets and Reduce Market Risk

Ferenc 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 ...

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Oct. 8, 2025

The AI Bubble is the Only Thing Keeping the US Economy from Recession

Ferenc 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 gover...

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Oct. 1, 2025

The 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...

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Sept. 24, 2025

The 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 ...

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Sept. 17, 2025

Our Country is at a Turning Point Due to the Charlie Kirk Assassination

Charlie Kirk was assassinated. He is a martyr. He was murdered in cold blood because someone disagreed with his ideas. Charlie was killed because he was effective. This proves the enemy was scared of him. Charlie threatened t...

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Sept. 10, 2025

The Short and Long Term Risks of the Current Stock Market and Economy

Ferenc 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 ...

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Sept. 3, 2025

Is 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 ...

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Aug. 27, 2025

Is the AI Bubble Starting to Burst?

A recent MIT study found that 95% of companies have received no benefit from generative Artificial Intelligence (AI). Sam Altman, CEO of OpenAI, recently warned of an AI bubble. Altman compared the current AI frenzy and the 1...

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Aug. 20, 2025

The S&P500 has Hit the Highest Valuations in History!

Regardless of how you measure the S&P500, it is at the highest levels in history. The current valuations are higher than 1929 and 1999. The S&P500 Price to Sales Ratio has hit 3.2, the highest level ever recorded. The top...

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Aug. 13, 2025

The Buffet Indicator Has Hit 2x Standard Deviation for the 3rd Time Since 1950

The Buffett Indicator is a measure of the total market capitalization of publicly traded companies to the Gross Domestic Product (GDP). Warren Buffett called it "probably the best single measure of where valuations stand at a...

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