Your Personal Bank

Host Ferenc Toth will discuss how in the weekly show - how to think like a banker versus an investor. Your Personal Bank is a powerful financial tool used by the wealthy for centuries. Everything we are experiencing in life, change seems daily. Technology. The way we Shop. With all the change in our lives, why are approaching our investments, our finances the same way we have always? The Show that can change your financial life. Contact: (866) 515-6280, ferenc@yourpersonalbank.com, Or Online at yourpersonalbank.com.

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Episodes

Avery Chi Interview: A Personal Journey with the Broken US Immigration System

Avery Chi shares her personal story of her dream to become a US citizen. Avery is a Chinese national who dreamed of coming to the United States ever since she was young. She was able to obtain a student visa in 2014 to earn her Master's Degree. She then obtained a job in the IT industry. A company sponsors the employee for them to obtain a H1 work visa. The company is in control regarding processing the paperwork to obtain citizenship. Avery has been told an individual cannot initiate citizenshi...

Sep 26, 2023•51 min

It's Probably Worse than Your Worst Fears

The Biden administration is doing everything in their power to take more power and control while making our lives more difficult. I have been an optimist my entire life. When it came to our government I used to think that would never happen, then it did. I then changed to, nothing surprises me. Then, whatever I considered the worst case scenario that is what I expected. Now, I expect the truth to be something worse than my worst fears. All the leading economic indicators are predicting a recessi...

Sep 19, 2023•52 min

The Biden Administration is Attacking Energy Production and Transportation Again, Expect Higher Energy Costs and Inflation for Longer

The Biden administration has cancelled oil and gas leases, banned natural gas transportation by train, and is instituting stringent restrictions on large trucks. These policies will increase energy prices. This will further increase the cost to manufacture and transport nearly every product Americans purchase. This will further increase inflation for much longer than most people realize. The only solution at this time appears to be removal of the current administration. Hopefully, it will get ba...

Sep 12, 2023•46 min

The Real Division in America is Top vs. Bottom, Oligarchy vs. Citizen

America has been an Oligarchy pretending to be a democracy for decades. - What is an Oligarchy? A few people in power in control of the majority. - Who is in the ruling class? Media, Big Business, Elite Colleges, Ultra-Weathy, Government (include members of both political parties, most Democrats and RINOS) - Whenever you hear someone from ruling class/elite/insider “threat to our democracy” they mean "threat to our oligarchy" - Their goal is to maintain power. - They emphasize our differences be...

Sep 05, 2023•53 min

Government Incompetence Creates More Problems Than It Fixes. Are You Ready for the Next Crisis, Financial or Otherwise?

The Maui fire disaster is another example of government incompetence. Mask mandates, excess government spending, and high debt are other recent examples of government incompetence. Do you trust the current government officials to handle the next disaster? Based on previous experience, they are likely to make it worse. Nearly every leading economic indicator is predicting a hard recession. Ignore them at your peril. Protect your money, reduce market risk, reduce your tax liability, make more on y...

Aug 29, 2023•52 min

Hyper-Inflation or Deflation Ahead? How to Stay Nimble with Your Money for Either Option.

Record levels of Government Spending are likely to cause Hyper-Inflation or Deflation. The record levels of debt are uncharted territory economically. It is impossible to predict what will actually happen. With economic uncertainty the best thing to do with your money is to stay nimble. Keeping your money safe from market risk, highly liquid, and free from penalties or taxes will allow you to take advantage of opportunities. Winners and losers are created with extreme economic situations regardl...

Aug 22, 2023•50 min

Deflation May be Next Instead of Continued Inflation

Show Description: China's economy is experiencing deflation. Prices are dropping on food, consumer products, and commodities. The causes for the price drops include housing value downturn, lower exports, and high unemployment. China's government pursued aggressive economic stimulus after the COVID lockdowns. This has caused a higher debt burden to GDP than the United States. China is not an example to follow, but a warning of what not to do economically. Central planners typically think they can...

Aug 15, 2023•48 min

US Credit Rating was Downgraded, Expect Higher Interest Rates Longer

Fitch Ratings recently downgraded the US credit rating from AAA to AA+. Fitch stated the reasons for the downgrade included an "erosion of governance" on fiscal and debt matters, rising government deficits, and total government increase in debts. Fitch also expects a recession in late 2023 and ealy 2023. A lower credit rating equals higher borrowing costs. The federal government debt is currently over $32 trillion. The debt is about 113% of gross domestic product (GDP). Gross Domestic Product is...

Aug 08, 2023•56 min

Reduce Your Taxes on IRA/401k Required Minimum Distributions using a QLAC

Show Description: Ferenc explains a little known financial tool to reduce taxes on qualified account (IRA's, 401's, etc.) required minimum distributions. Qualified Longevity Annuity Contracts (QLAC) have a special tax advantage. Funds allocated to a QLAC reduce a persons overall qualified account balance subject to required minimum distributions. Lower distributions reduces income taxes. The QLAC also provides a guaranteed lifetime income that is typically significantly higher than most annuity ...

Aug 01, 2023•55 min

America is Divided, But Not How You Think

Ferenc shares an inspiring message about the future of the country. Things will likely get worse before they get better, but there is legitimate hope for the future. Listen and find out why.

Jul 25, 2023•51 min

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