The US added $11.8 Trillion of debt since 2020. The government owes $108,000 for every American, man, woman, and child. Deficit spending as % of GDP is at World War 2 levels. 25% of government receipts pay interest on the debt annually. The massive debt will push interest rates upwards until the government starts paying down the debt significantly. This will increase the cost of purchasing autos and homes for most Americans. Americans have record household debt. Credit card and auto loans debt i...
Dec 03, 2024•54 min
John Burley With 35+ years of investing experience and thousands of (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley has the perfect mix of street-savvy knowledge and sound investing principles. John is a Pioneer in the Real Estate Investment Business, originally trained in the World of Wall St., in 1989 he left and founded his Private Equity Company, where he serves today as the Founder & CEO. It is a leader in the industry, with holdings from mu...
Nov 26, 2024•54 min
- Warren Buffett has sold more stock this year than at any time in his career. - Berkshire Hathaway is sitting on the most cash in its history. - Warren Buffett did not purchase a penny in stock in the third quarter of 2024. - The Buffett Indicator shows US stocks are overvalued at 200% of GDP, one of the highest levels in history. Blackrock, Goldmann Sachs, and Vanguard all predict low stock returns (3-5% annually) for the next decade. Even if the Trump administration does everything right, som...
Nov 19, 2024•54 min
How will Trump administration policies affect our economy and money? Drill, Baby, Drill Energy prices affect nearly every product we purchase. Higher energy costs increase prices and inflation. Increased production will lower energy prices. Lower energy prices will reduce inflation. Deport illegal immigrants Total cost to transport, house, feed, and support estimated about $500 billion annually. This money came from taxpayers and government money printing. This is inflationary. The government mo...
Nov 12, 2024•53 min
The US Treasury Department plans to borrow an additional $1.37 Billion in the next 6 months. This will push the debt over $37 Trillion. Deficit spending is driving bond yields higher. This will continue as long as the government has significant debt. Higher bond yields increase insurance policy dividends. Multiple insurance companies have officially announced increased dividends for 2025! Most insurance experts predict dividends will continue to increase for the next 3-5 years up to the next 10 ...
Nov 05, 2024•50 min
Multiple insurance companies have officially announced increased dividends for 2025! Most insurance experts predict dividends will continue to increase for the next 3-5 years up to the next 10 years. This is the best time to invest in high cash value insurance and annuities in 42+ years. The stock market, bond market, gold, and mortgage rates are all up. The stock market is expecting a "soft landing". Nearly everything needs to go right economically to justify current stock prices. The bond mark...
Oct 29, 2024•51 min
The recent hurricanes demonstrated that reliance on government is unwise. It could even get you killed. The FEMA website offered $750 to US citizens who lost everything in the recent hurricane that destroyed much of western North Carolina. FEMA also recently announced they did not have the funds for another hurricane. Why did FEMA supposedly run out of money? According to the FEM website, they granted nearly a billion dollars to communities that recieved migrants over the past two years. Congres...
Oct 22, 2024•50 min
With 35+ years of investing experience and thousands of (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley has the perfect mix of street-savvy knowledge and sound investing principles. John is a Pioneer in the Real Estate Investment Business, originally trained in the World of Wall St., in 1989 he left and founded his Private Equity Company, where he serves today as the Founder & CEO. It is a leader in the industry, with holdings from multiple count...
Oct 15, 2024•53 min
Kip and Lora Brown used Your Personal Bank to enhance their real estate investment business and allow Kip to retire from his corporate IT career early. Kip and Lora share their story and now help others achieve their goals as life coaches. Kip is a successful IT Professional. He traveled across the world making millions for the businesses he worked for. He discovered that his dedication and hard work providing a life for his family kept him from spending the time he wanted to with them. He wante...
Oct 08, 2024•54 min
1. Stocks have been rising like a "soft landing" has already occurred. 2. Gold has been rising like we are in the midst of a major economic crisis. 3. Bonds have been falling like the Federal Reserve has finished cutting interest rates. 4. Real Estate has been rising like interest rate cuts just started. 5. Oil has been falling like demand is reducing due to recession. 6. Natural Gas has been rising like demand is increasing. No one knows what will happen. Uncertainty typically leads to volatili...
Oct 01, 2024•53 min
The Federal Reserve surprised many people with a 0.5% rate cut recently. Some are touting this as a good thing, especially the current administration and the legacy media. Every time the Federal Reserve moved interest rates lower by 0.5% or more previously, it was due to a crisis or really bad economic news. The Federal Reserve does not lower interest rates from the kindness of their heart. They lower interest rates because they are concerned about a bad economy. Historically, the stock market h...
Sep 24, 2024•51 min
You may be able to sell assets with zero capital gains if your gross income is below $120,000 married, filing jointly, or $60,000 as a single. Also, capital gains will increase in 2026 if congress does nothing. If you have assets subject to capital gains, take advantage of the historical low tax rates while they last. Most Americans pay payroll taxes, sales tax, property tax, income taxes, and inflation which is a hidden tax. Our money is taxed multiple times. You should reduce or eliminate taxe...
Sep 10, 2024•52 min
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 after you access the funds for other purposes. Your Personal Bank TM is a two step process. 1. A high cash value policy is established to maximize cash growth, insured, with guarantees, income tax-free, and highly liquid. 2. A bank line of credit is typically established using the cash in the policy as collateral to access funds. Ty...
Sep 03, 2024•51 min
The US Labor Department has revised the jobs numbers down nearly every year for over a year. Now the government admits to inflating the jobs numbers by reducing the jobs numbers by up to one million over the past year. Many American consumers are supplementing their living expenses with debt. Credit card balance is at an all-time high. Credit card defaults are at the highest level since 1991. A recent Piper Sandler analysis states 2024 looks reminiscent of 1970 and 2021 recession years. The Amer...
Aug 27, 2024•49 min
July 2024 Consumer Price Index (CPI) was reported at 2.9%. This is the lowest level since March 2021. Although the rate of inflation is slowing down, prices are not going down. They are still increasing. The cumulative price increases over the past 3 years are hurting Americans. Despite what you hear from the media and Wall Street about a potential rate cut, the Federal Reserve is far more concerned about inflation than recession. An economic slowdown actually helps the Federal Reserve fight inf...
Aug 20, 2024•53 min
The AI tech bubble has burst due to a weak unemployment report, poor earnings, and a surprise Japanese interest rate increase. A popular institutional trade was to borrow money cheaply in Japan, then use margin to invest in assets that vary in value like tech stocks. When the cost of borrowing increased, so did the capital required to borrow. This created a huge amount of margin calls. The massive selling created panic in the markets. If the economy was strong the market would likely move on fro...
Aug 13, 2024•52 min
- A recent CNN study reports 39% of Americans are concerned about paying their bills. In comparison, 37% were concerned about paying bills during the Great Recession in 2008 - 2009. - Household debt has set a new record high. - Credit card debt is at record highs. Banks are bracing for major loan defaults. - 25% of Americans have resorted to skipping meals to avoid high food prices. - The rate of increases of inflation is moderating, but the cumulative impact of several years of inflation has de...
Aug 06, 2024•55 min
John Burley With 35+ years of investing experience and thousands of (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley has the perfect mix of street-savvy knowledge and sound investing principles. John is a Pioneer in the Real Estate Investment Business, originally trained in the World of Wall St., in 1989 he left and founded his Private Equity Company, where he serves today as the Founder & CEO. It is a leader in the industry, with holdings in mult...
Jul 30, 2024•53 min
There is no logical explanation that Trump is alive today. If you understand anything about firearms, you understand this. The fact that the shooter missed Trump from 130 yards is nothing short of a miracle. He should be dead today. The reason I am hopeful is this demonstrates God has not given up on this country. This fact is hard to ignore. Many people have recognized this also. This is the type of thing that can reunite a divided country. Unfortunately, there are some who refuse to recognize ...
Jul 23, 2024•52 min
High Inflation is no longer the only risk to the economy according to Jerome Powell, Federal Reserve Chairman. Unemployment has risen over the past three months. The " Sahm Rule " says that when the three-month moving average of the jobless rate rises by at least a half-percentage point from its low during the previous 12 months, then a recession has started. This rule would have signaled every recession since 1970. Unemployment is currently 0.43% higher than it was last year. If unemployment in...
Jul 16, 2024•53 min
The long term savings rate for Americans is about 4% of annual income. Americans accumulated $2.3 Trillion of excess savings in August 2021 primarily due to government pandemic stimulus. This excess savings has allowed consumer spending to remain strong for the past 3 years. Consumer spending accounts for about two-thirds of Gross Domestic Product (GDP). Consumer spending has been the lone bright spot in the economy and likely has prevented a recession so far. Consumer spending is weakening. Ame...
Jul 09, 2024•53 min
A high concentration of warning signals suggest a major market correction is ahead. There's nothing magical about these signals, but when dozens of them kick in at the same time, it is time to pay attention. Diversification is always financially wise to reduce risk. It becomes especially important with increased market uncertainty. Your Personal Bank policies are insured, with guarantees, income tax-free, and highly liquid. Annuities can offer up to 8% guaranteed first year and/or double digit g...
Jul 02, 2024•53 min
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 after you access the funds for other purposes. Your Personal Bank TM is a two step process. 1. A high cash value policy is established to maximize cash growth, insured, with guarantees, income tax-free, and highly liquid. 2. A bank line of credit is typically established using the cash in the policy as collateral to access funds. Ty...
Jun 25, 2024•54 min
In the 1970's, Saudi Arabia agreed to sell their oil exclusively in US currency. In return, the US agreed to protect Saudi Arabia. Recently, Saudi Arabia has decided to not renew the agreement. They will sell their oil in multiple currencies. This is a seismic event economically. It will have massive affects in the short and long-term. This agreement solidified the US dollar as the world's reserve currency. Any country or company that bought oil from Saudi Arabia had to use US dollars. Also, abo...
Jun 18, 2024•54 min
Hon. David M. Walker is a nationally and internationally recognized fiscal responsibility, government transformation/ accountability, and retirement security expert. He is a non-practicing CPA with over 40 years of executive level experience in the public, private and non-profit sectors, including heading three federal agencies (two ERISA agencies), two non-profits, and leading a global service line for Arthur Andersen LLP. His most recent full-time federal position was as the seventh Comptrolle...
Jun 11, 2024•53 min
It is official. Our justice system has been corrupted. Our country is not the same. Sadly, the end is near. If we continue down this path, you will not recognize our country or society soon. Just because we have enjoyed Constitutionally protected freedoms, does not mean we will automatically continue to do so in the future. Any honest and fair-minded person will realize the democrats have gone too far. This is not about Trump. This is about what kind of country and society do we want to live in....
Jun 04, 2024•52 min
I have been sharing on the radio for nearly 5 years the power of Your Personal Bank to grow your money insured, guaranteed, tax-free, highly liquid, and create positive cash flow on money you spent. Recently, I have met several people who were sold products that they thought would accomplish the above but do not. Frankly, they were misled by the insurance agent/financial adviser. There is a simple key to ensure your policy is designed to maximize cash value: - 50%+ of your contributions are avai...
May 28, 2024•52 min
USC Code 18, Chapter 29, Section 611 - Voting by Aliens (Non-Citizens) This federal law states it is not unlawful for any alien to vote in any election if the alien permanently resided in the United States prior to attaining the age of 16 and the alien reasonably believed at the time of voting that he or she was a citizen of the United States. Therefore, being a citizen is not a legal situation. It is a state of mind. There are many documented court cases of non-citizens voting, sometimes for de...
May 21, 2024•52 min
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 after you access the funds for other purposes. Your Personal Bank TM is a two step process. 1. A high cash value policy is established to maximize cash growth, insured, with guarantees, income tax-free, and highly liquid. 2. A bank line of credit is typically established using the cash in the policy as collateral to access funds. Ty...
May 14, 2024•51 min
Growth is slowing. Prices continue to surge. This leads to stagflation. This is a nightmare scenario for the economy. This places the Federal Reserve in a very difficult situation. If they lower interest rates, inflation will increase. If they increase interest rates, the economy will slow down further. The US economy has not faced Stagflation since the 1970's. Stagflation is bad for the stock and real estate markets. Look at a stock market chart from the 1970's. It was an ugly decade. This is t...
May 07, 2024•53 min
