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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Jan. 28, 2026

Trump banned large institutional investors from purchasing single family homes.

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...

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Jan. 21, 2026

Real Estate Values are Likely to Continue to Decrease

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 ...

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Jan. 14, 2026

Trump Proposes Banning Institutional Investors from Buying Single Family Homes

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...

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Jan. 7, 2026

2026 is Starting with a Bang! Massive Fraud Exposed

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...

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Dec. 31, 2025

Successful 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 succe...

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Dec. 24, 2025

Ferenc's Personal Story

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.

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Dec. 17, 2025

The Solution to the Affordability Problem is Less People Who Don't Belong Here

Officially, there are 53 million foreign-born people in currently in the US. That is about 1 in 7 people. This is higher both in total number and percentage than the peak of the Ellis Island period. 42 million people currentl...

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Dec. 10, 2025

80% 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 o...

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Dec. 3, 2025

Just 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 wo...

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Nov. 26, 2025

We Need a Marshall Plan to Improve Housing Affordability

The medium age of all homebuyers is a record breaking 59. First-time homebuyers average age 40, up from age 29 in 1981. This is the result of not building enough houses and allowing too many people in our country, both legall...

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Nov. 19, 2025

How Index Annuities and Index Universal Life provide Unlimited Upside Potential without Downside Market Risk

This is the "Golden Era" of fixed assets. This is the best time in 40+ years to establish an index product! This is due to many factors, including higher bond yields (interest rates). Index annuities and Index Universal Life ...

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Nov. 12, 2025

Reduce 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...

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Your Personal Bank

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