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Two 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 redistric...

The US controls Venezuelan oil and has blockaded Iranian oil. The US has blockaded the Strait of Hormuz. About 50% of China's oil came through this strait. The US has established a security agreement with the Indonesia. About...

When negotiating a salary or a raise, most people don't know what they are up against. Many companies purchase data from payroll processors and other sources to optimize salary expenses. This info often includes previous job ...

Millions 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 Drea...

Included in the Census: - Illegal Aliens - Green Card Holders - Work Visa Holders - Student Visa Holders Why should we have representatives representing this wave of foreigners? There is Daycare fraud, EBT fraud, Hospice frau...

The government is not serving its purpose when it is not protecting and benefiting its citizens. When it actively prioritizes anyone over citizens, those policies need to be changed. If the government makes citizens' lives mo...

Initially I was against the Iran War. I realized it was a knee-jerk reaction to forever wars. Below are the reasons why gradually have come to support it. 1. Trump is different than previous presidents. 2. Iran is the #1 spon...

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...