Your Personal Bank

Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in retirement.    The financial industry ran with this recommendation ever since.    JP Morgan projects the following on a typical portfolio:  Withdrawal Rate       Likelihood of not running out of Money     3%                            95 - 100%     4%                            85 - 90%     5%                            65 - 70%     6%                            40 - 45%  If you increase your withdrawal rate, your likelihood of success decreases significantly.   Current Guaranteed Lifetime Income withdrawal rates:    - Age 65: 7.5% guaranteed for life    - Age 75: 8.5% guaranteed for life    - Rates increase if you are older   You can increase your income significantly with 100% likelihood of success. You cannot outlive your income.     This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.    

Moody's downgraded the US credit rating for the first time in history. This is the last of the 3 major credit agencies to downgrade the US credit rating. The primary concern is the increasing level of government debt.   As a result, the 30-year treasury bond yields rose to 5%. This is the highest level since 2007. Bond buyers will demand higher interest (yield) to purchase government bands due to the increased risk. Bond yields and higher borrowing costs will be higher until the government addresses fiscal responsibility.   Higher bond yields are one of the greatest threats to stock market asset values. Many large institutional investors shift their investments from the stock market to the bond market to lock in long term cash flow. 30-year treasury yields at 5% are a common benchmark for institutional investors to shift.    The 4% withdrawal rule is widely recommended to ensure you don't run out of money in retirement with a high likelihood of success. If you increase your withdrawal rate to 5%, your likelihood of success decreases significantly.   Current Guaranteed Lifetime Income withdrawal rates:    - Age 65: 7.5% guaranteed for life    - Age 75: 8.5% guaranteed for life    - Rates increase as you are older   You can increase your income significantly with 100% likelihood of success. You cannot outlive your income.   Higher bond yields increase fixed asset returns. Insurance dividends, annuity, and guaranteed lifetime income returns are expected to increase for the next 5-10 years.       This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.  

China and the US have agreed to pause the 145% US tariffs and 125% Chinese tariffs for 90 days while they negotiate an agreement.   If the high tariff rates had gone into effect, it would have been similar to a trade embargo. Both countries have realized a trade embargo would be devastating to both economies.    The US imports about 5 times more from China than China imports from the US. The US is the largest purchasing economy in the world. The buyer has the power.    This gives the US a powerful position in this situation. We finally have a president that understands the strength of the US economy and is acting accordingly.   I am encouraged that the Trump administration will be able to negotiate a strong trade policy with China. Certainly better than the trade agreements for the past several decades.   In the meantime, there will likely be volatility until a trade deal with China is completed.    The Trump administration wants to complete a deal quickly. China historically takes a very slow, deliberate, and methodical approach.    The volatility could be over fairly quickly or could extend for a long period. Currently, there is no way to predict.   In the meantime, it would be wise to protect your investments and reduce your risk to the downside.       This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

Many companies and people focus on a number to achieve a comfortable retirement.   Retirement is not about obtaining a number. It is about cash flow.   The 4% withdrawal rate is often recommended to ensure you don't run out of money with a high degree of certainty.   Guaranteed Lifetime Income products provide 5-7% withdrawal rates guaranteed for life depending on your age. The older you are, the higher the withdrawal rate.   This would increase income for most retirees 25 - 75% guaranteed for life. This ensures you don't run out of money in retirement.      This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

The 2025 Allianz Retirement Survey key findings:   64% of Americans worry more about running out of money in retirement than about death.   The primary causes of their concerns are:    - 54% cite the increased prices of goods due to inflation    - 43% fear Social Security will not provide enough financial support as needed    - 43% state high taxes negatively impact their economic situation   Your withdrawal rate largely impacts the likelihood of success of not running out of money in retirement.   The 4% withdrawal rate is often recommended by retirement experts for a high likelihood of success.   According to multiple studies, if you initially withdraw 4% of your portfolio annually your likelihood of not running out of money after 35 years in retirement is 85-95% depending on your asset allocation.    If you increase your withdrawal rate to 5%, your likelihood of success reduces to 45-70%.   If you withdraw 6%, your likelihood of success drops to 10-55%.   Many people respond to periods of market volatility by not looking at their account statements. Ignoring what is not going on is not an effective way to deal with challenges.   If you have concerns about your financial situation, there are strong options available to increase returns safely, reduce market risk, increase withdrawal rates with guarantees, reduce taxes, and increase access to your money.     This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominate future technology. China and the US are decoupling economically.  This is similar to the Cold War with the Soviet Union. That was a military conflict. We are in the beginning of an Economic Cold War with China. Divorces can be amicable or messy. So far, China is fighting back. This may take some time. The primary question is how long will this take?    The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominant future technology. China and the US are decoupling economically.  This is similar to the Cold War with the Soviet Union. That was a military conflict. The US eventually won the Cold War by outspending the Soviet Union, but it took years. They tried to keep up military spending but were unable to keep up with the US military spending. The US economy was much larger than the Soviet Union's. We are in the beginning of an Economic Cold War with China. The US imports far more products from China than any other country. The US and China have significant financial entanglements. Divorces can be amicable or messy. So far, China is fighting back. This may take some time.   The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

The stock market is moving up to 8-9% up and down daily. The volatility is stomach churning.   The primary concern is tariffs. It is uncertain if China will agree to a fair trade deal.   China exports five times more to the US than the US exports to China. Tariffs affect China far more than the US. They are at a significant disadvantage.   Globalist free trade proponents promised they following:   1. Free trade would lead to fair trade policies. Nations would follow the rules to remain trading partners. 2. Oppressive regimes would become more democratic. 3. Low income, unskilled workers would create a robust middle class worldwide due to free trade. 4. The US would lose manufacturing jobs but there would be plenty of opportunities in the new economy.   The globalist free trade advocates were horribly wrong.   1. China is famous for not following the rules, cheating, and stealing technology. 2. China is still communist and is more oppressive than a few decades ago. 3. Slave labor wages are still common around the world. A middle class does not exist in many countries. 4. Most Americans who lost manufacturing jobs never learned how to code. An entire region is known as the "Rust Belt".   The American people never voted for this. Globalist free trade was foisted on us by a class of self-proclaimed elites.   Independence is a founding principle of our country. A country that cannot produce what it needs is not independent.   America cannot produce many of the things it invented. We are no longer self-reliant.    The globalist free trade advocates were so wrong it is surprising anyone still listens to them.     The top 10% own 88% of stocks in the US. The next 40% own 12% of stocks. The bottom 50% have debt.   Lower energy prices benefit everyone. Cheaper gas impacts most Americans far more than a higher stock market.     The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.  

The reciprocal tariff policy is about Fair Trade vs. Free Trade.    Reciprocal tariffs will be calculated both the monetary and non-monetary totals.  The US will tariff the other country about half of the tariff charged to the US.   Non-tariff barriers are often worse. -        Currency manipulation -        VAT tax -        Export subsidies -        Counterfeit products -        Technology theft -        Subsidized dumping of products into our country designed to kill our industry.   Free trade policies have been used against the US to destroy our manufacturing capability. -        We lose jobs   -        National security issue Look at nearly any small town or rural area in America. Most are a hollow shell of what they once were. -        There are few jobs or opportunities available -        Most are depressed and run-down -        It has steadily gotten worse over the past few decades -        Destroyed American industry.  -     An entire region is known as the rust belt.   The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous.   I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer Please contact me with any questions.

It was a period of unfettered optimism. Nearly everyone thought the sky was the limit, it was a new era, valuations didn't matter. The only thing that mattered was how much you put into it, because it was going to continue to climb. Recently, greed was at extreme levels.   Former Fed Chairman Alan Greenspan had warned about “irrational exuberance” in the stock market as early as 1996. Investors ignored this warning. Instead, they increasingly fixated on the promise of the new technology. The current technology promise is AI.   The dot-com era was known for high valuations. Recently, the markets were at record valuations.   The markets peaked in early 2000. The ensuing bear market lasted more than 2 1/2 years.    The S&P 500 dropped 45%. The S&P 500 finally returned to the same levels in May 2007.    The Nasdaq-100 crashed 80%. The Nasdaq-100 took more than 15 years to return to its dot-com-era peak.   The 2000's became known as the "lost decade".   The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US  will be tremendous for decades.   I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.  

Ironic that the advice always the same. Stay the course. Hang in the there. It will get better. Yet, institutional investors, hedge funds, Warren Buffett have significantly reduced their exposure to stocks. Hedge funds sold the highest percentage of stocks in early March 2025 since the 2020 COVID correction. Warren Buffett sold the most stocks last year, both total amount and percentage, in his entire career.   The concern is the reciprocal tariffs that will take affect 4.2.25. Even Trump has stated there will be a transition period. The current administration is upending decades of economic status quo. It is not Trump causing the uncertainty. The other countries' responses are causing the uncertainty. Markets hate uncertainty.   The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous for decades.   I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

The Trump administration wants:    1. Fair trade rather than free trade.            - Many countries have taken advantage of the US for decades.            - Reciprocal tariffs are fair, stop taking advantage of the US.            - Making things in the US eliminates tariffs.      2. Bring manufacturing back to the US, build things again.            - The US barely builds anything anymore.            - Important for national security.            - Increase good-paying jobs.       3. Reduce government spending             - Causes inflation             - Spending has exploded. Debt and deficit are unsustainable.             - If allowed to continue, the US would go bankrupt. Economic chaos.             - Eliminating waste, fraud, and theft help reduce spending.             - The US is financially in trouble. Think of the current administration as a turn-around CEO.             - Turn-arounds are challenging. Cuts have to happen. It can be ugly but is necessary.   The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous for decades.   I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

Ishan shares his fascinating personal story.    His first job was an insurance agent learning from Ferenc with Your Personal Bank.    Ishan Patel, CEO/Founder of Audien Hearing was recently named top 3 entrepreneur of the year in the November 2024 Entrepreneur Magazine. https://www.entrepreneur.com/leadership/how-audien-is-revolutionizing-hearing-aids-for-1-million/481105   Ishan Patel was also a national finalist for Ernst and Young Entrepreneur of the Year.   Out of 1,100 nominated businesses, he placed top 40 in the nation and top 5 of all emerging businesses.   

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.   Typically, the interest or dividends earned are higher than the cost of borrowing funds. This creates positive cash flow on money that is spent! This is known as positive arbitrage.    You are able to earn interest on money spent each and nearly every year for the rest of your life. Positive arbitrage has typically been 2-3% annually for the past 40+ years. What if you earned 1-3% on money you spent each year? You would have significantly more money to live on for the rest of your life!   Why is this one of the best times to add Your Personal Bank to your portfolio?   Insurance companies invest heavily in bonds. Bonds are highly interest rate sensitive. Interest rates have increased at the fastest rate in the history of the Federal Reserve. Bond interest rates are 2-3 times higher than they were a couple of years ago. Insurance company profits are increasing as well. Dividends are profits of the company, therefore, dividends are expected to increase.   When the federal government spends more than it receives in tax revenue, it has to sell bonds to issue the currency. This is known as deficit spending. Also, the government does not pay down the existing debt. It sells new bonds at the current interest rate when the previous bond term expires to "roll over" the debt.     Deficit spending is at all-time record levels. The overall debt continues to increase $1 Trillion about every 100 days.    This is causing the federal government to sell record levels of bonds. And the amount of bond selling continues to increase. To entice institutional bond buyers to continue buying bonds, the government is having to offer higher and higher interest rates.   Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.   The federal government fiscal irresponsibility creates an opportunity.   You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!     I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.  

Steve Trang started the Real Estate Disruptors podcast in 2018 to inspire wholesalers and real estate agents to double their incomes by adding a second leg to their business – working together on investment properties. The podcast has grown to over 100,000 downloads per month and over 3 million YouTube views, with new guests sharing their success stories and imparting advice every week.    As a sales coach, Steve has helped thousands of clients generate millions in sales over the past few years in a variety of industries. His Disruptors Selling System teaches salespeople to ethically work with customers to discover their true needs, then craft a solution that works for the customer.      Steve is also a successful businessman. On top of owning single family rentals, he also owns apartments, co-founded a bank, and is a part-owner in several other businesses.       Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.   Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market.   Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets.   Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

The amount of money wasted by the Federal Government is astounding. This level of waste is not incompetence, it is fraud.   $2.7 trillion has been sent to recipients overseas who were not qualified to receive Social Security since 2003. This corruption has been happening for decades.    Social Security is not going broke. It is being stolen.    Just like any fraud, the thieves should be prosecuted, and the funds should be refunded to the victim. The victim in this case is the US taxpayer. The taxpayer deserves a break.     Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.   Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market.   Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets.   Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

Most of Trump's executive orders are not changing anything. They are using common sense and moving the country back to it's foundational principles.   The level of fraud and waste being exposed are shocking. This is a revolution of bureaucracy versus democracy. It is as significant as 1776 or the Civil War.   This will likely result in a generational shift in how government operates. Citizens will demand transparency. After this, they will not accept massive waste of their tax dollars.     Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.   Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market.   Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets.   Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

We specialize in the following financial products:        1. Your Personal Bank: High Cash Value - Whole and Indexed Universal Life insurance policies      2. Fixed and Index Annuities: grow your money without market risk, access to over 50 companies      3. Guaranteed Lifetime Income: create income you cannot outlive, often referred to as a private pension      4. Life Settlements: companies will buy your insurance policy, shop the best offers      5. Premium Finance: bank fund premium on a high cash value insurance policy on your behalf, can create tax-free asset without out-of-pocket cost     Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.   Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market.   Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets.   Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored

President Trump has signed many executive orders.   Some of the challenges will be resolved quickly. Others will take more time.   The federal debt will likely push yields and interest rates higher for several years. Ferenc shares why this is happening.    When bonds mature, the government sells a new bond at the current interest rate. About $3T of the $36T of total debt matured in 2024. That was an all-time record.    Almost no one is aware that about $7T of bands will mature and have to be sold in 2025. This will push bond yields, interest rates, and borrowing costs higher.    Multi-trillion dollars of bonds will mature each year until 2030. Expect higher bond yields, interest rates, and borrowing costs for years.   How to thrive in a higher bond yield environment : 1. Pay down debt, particularly high interest debt. Your Personal Bank can accelerate debt pay-off. 2. Reduce market risk. Higher bond yields are a risk to stock market returns. Higher cost of borrowing tends to reduce company profits. 3. Increase returns in fixed assets to maximize returns. Dividend paying insurance policies, annuities, and guaranteed lifetime income historically pay the highest returns in the fixed asset space.     Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.   Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market.   Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets.   Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

Higher bond yields (interest rates) benefits savers and punishes borrowers.   How to thrive in a higher bond yield environment : 1. Pay down debt, particularly high interest debt. Your Personal Bank can accelerate debt pay-off. 2. Reduce market risk. Higher bond yields are a risk to stock market returns. Higher cost of borrowing tends to reduce company profits. 3. Increase returns in fixed assets to maximize returns. Dividend paying insurance policies, annuities, and guaranteed lifetime income historically pay the highest returns in the fixed asset space.     Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.   Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market.   Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets.   Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

Insurance dividends are 6%+ while policy loan rates are 5-5.3%. Dividend rates currently average about 1% higher than the cost of borrowing.   Dividends are expected to increase for the next 3-5 years if not longer.   Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.   Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.     When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market.   Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities than accumulation. These large institutional investors have the ability move markets.   Historically, when the 10 year bond approaches a 5% yield, the stock market typically declines. The 10 year bond has recently increased to 4.7%.   Mortgage rates are affected more by the 10 year bond than the Federal Reserve. 30 year fixed mortgage rates are typically the 10 year bond rate plus 2-3 points. Increasing bond rates equal increasing mortgage rates. We will likely see 8% 30 fixed mortgages as the norm soon.   Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

The primary cause of the Revolutionary War was taxation without representation.   Today we have a government that taxes us then sends billions of dollars to other countries, many who hate us.   Did you vote for this? Do you support this? Most American citizens do not.   The border has been open for the past 4 years. Most Americans want a secure border. The recent election proved this.   The government has been involved in endless wars for decades. Most Americans are against this, yet the majority of our representatives vote in favor of additional funding. Do you feel represented? Most Americans do not.   The recent election provides hope for a smaller and more efficient government. If this happens, it will likely be the first time in human history a government voluntarily reduces its size and power.   The establishment will not give up power easily. They have been taking advantage of the situation for a long time.   Some of the problems we have as a country can be fixed rather quickly. The border can be closed. Illegals can be deported. We can stop funding other countries and supporting forever wars.   Other problems will take more time. You don't pay down $36T of debt overnight. Even if the Trump administration does everything right financially and Elon and Vivek with DOGE reduce waste and increase efficiency, it may be years before the debt is reduced to healthy manageable levels.   What should we expect in 2025 and beyond? The longer-term future has the potential to be bright. We have some challenges to overcome over the next year or so before we get there. This will likely create volatility.     Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.   Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.   Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.    This creates an opportunity.  Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets. If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.   We are likely headed to a historical positive arbitrage scenario. Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

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 successfully accomplish goals.    Many listeners have shared successful goal setting stories over the years that were inspired by Ferenc's message.     Blackrock, Goldman Sachs, and JP Morgan analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.   Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.   Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.    This creates an opportunity.  Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets. If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.   We are likely headed to a historical positive arbitrage scenario. Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

Ferenc gets personal and shares his story for the first time in his radio career!   You will be captivated by Ferenc's extraordinary story. He shares the events that shaped his life and why he thinks the way he does.      Blackrock, Goldman Sachs, and JP Morgan analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.   Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.   Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.    This creates an opportunity.  Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets. If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.   We are likely headed to a historical positive arbitrage scenario. Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

This is the best time to establish Guaranteed Lifetime Income in 42+ years!    There are guaranteed lifetime products that offer up to a 30% bonus with a 8% guaranteed benefit increase annually. You can increase the income you receive in one year by 40%, guaranteed for life. Other products offer a 10% annual increase in your guaranteed lifetime income benefit. If you defer income for 7 years, you double your guaranteed lifetime income.   The most common concern retirees have is running out of money before they run out of time. Guaranteed Lifetime Income is exactly what it sounds like. You cannot out-live the income. Pensions are a common example of guaranteed lifetime income. You can fund a "private pension".    Blackrock, Goldman Sachs, and JP Morgan analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.   Many financial experts are calling this the "golden age" of fixed investments.     Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.    This creates an opportunity.  Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets. If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.   We are likely headed to a historical positive arbitrage scenario. Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

Investors either don't see risks or don't care about them.    AI optimists are behaving like the investors who got burned in the Great Depression and dot-com bubble, Vanguard's chief economist warns.   The Stock Market Is Doing Something It's Never Done Before - Investors Could Be "Playing With Fire," According to Warren Buffett 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.    Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.    This creates an opportunity.  Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets. If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.   We are likely headed to a historical positive arbitrage scenario. Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!  

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 is at all time highs.   The Buffett Indicator shows US stocks are overvalued at 200% of GDP, one of the highest levels in history.   Corporate insiders are selling shares at a record pace in the 4th quarter of 2024.   Goldman Sachs states it is time for investors to diversify.   Blackrock, Goldmann Sachs, and Vanguard all predict low stock returns (3-5% annually) for the next decade.    Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.    This creates an opportunity.  Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets. If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.   We are likely headed to a historical positive arbitrage scenario. Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

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 multiple countries and a dozen different states.  His was among the first ever companies to bring Single Family Home (SFH) Portfolio Real Estate to the Private Equity Community. John is an International #1 Best Seller with over One Million Copies Sold.  His books include:  Money Secrets of the Rich and Powerful Changes.  He has also produced over 100 books and audio programs during his career. Because John is a Professional Investor, he makes his living actually DOING deals and not just teaching theory from the stage.  The bottom line is: John walks his talk. For this reason, John is only available to speak at a few events per year, his last event for 2019 is November 1-3. John greatly looks forward to sharing with you what you need to take your Real Estate Investing Business to the next level.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.    This creates an opportunity.  Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets. If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.   We are likely headed to a historical positive arbitrage scenario. Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

- 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, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.    This creates an opportunity.  Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets. If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money. We are likely headed to a historical positive arbitrage scenario. Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

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 money was being used to compete for food, clothing, housing, and everything we purchase.   Deporting illegal immigrants will reduce housing demand. The US has a housing shortage. Allowing millions of people in the country when you have a housing shortage will drive up the cost of housing. They have to live somewhere. Fewer people will reduce housing demand. Housing costs will likely decrease. The effect will be regional.   Think about Springfield, Ohio. The government moved about 30,000 Haitians into a town of about 50,000. Housing costs skyrocketed. What will happen if the Haitians are returned to Haiti? There will be thousands of empty homes and apartments. Prices will drop.   Stop endless wars   The US government spends far more than any other country on defense spending. I am in favor of a strong military. Most Americans are against war unless necessary to defend ourselves or interests that are vital for our national security.   Excessive spending is inflationary. Wars are expensive. Defense contractors make lots of money from war. Nearly everyone else loses either in blood or money. Less spending would reduce inflation.   Dept of Government Efficiency – Elon Musk   Elon has stated he can reduce $2 trillion in annual spending. 2024 spent $6.75 T, revenues $4.9 T = $1.85 T deficit spending Reducing government spending will reduce inflation.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.    This creates an opportunity.  Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets. If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.   We are likely headed to a historical positive arbitrage scenario. Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

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 years. This is the best time to invest in high cash value insurance and annuities in 42+ years.     Wall Street is concerned the stock market may be on the cusp of another "lost decade". Goldman Sachs is now projecting a 3% annual return for the next decade. Nearly every leading economic indicator points to challenging economic times ahead.   Reducing market risk is important to thrive through volatility.  Reduce your market risk. Reduce your future tax liability. Increase liquidity. Create positive cash flow on your money. Your Personal Bank allows you to grow your money insured, guaranteed, tax-free, and highly liquid.

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 market, gold market, and mortgage rates are assuming recession, higher than average inflation, or both in the near future.   Both cannot be right.      Nearly every leading economic indicator points to challenging economic times ahead.   Wall Street is concerned the stock market may be on the cusp of another "lost decade". Goldman Sachs is now projecting a 3% annual return for the next decade.   This is due to fact that prices have increased tremendously recently and the highest concentration of the top 10 companies in the S&P 500.    Everyone agrees that we should expect volatility ahead.   Reducing market risk is important to thrive through volatility.    Your Personal Bank allows you to grow your money insured, guaranteed, tax-free, and highly liquid.     Regardless of who wins this election, there is likely significant uncertainty and volatility ahead.   Reduce your market risk. Reduce your future tax liability. Increase liquidity. Create positive cash flow on your money.   The good news is this is the best time in 42 years to invest in an annuity or high cash value Your Personal Bank insurance policy. This is a generational opportunity to take advantage of higher returns on insured assets with guarantees.   Dividend rates are clearly on an upward trend due to higher interest rates than the past decade. Even if the Federal Reserve continues to lower rates from their current level, no one expects them to lower to the near zero levels of most of the past decade.    Insurance companies invest heavily in bonds. The bonds they have been purchasing for the last couple of years are far more profitable than the bonds they purchased most of the past decade. This is expected to continue for the next 3-5 years if not longer.    At the same time, borrowing rates are clearly on the decline. If the Federal Reserve lowers interest rates another 2% as they project over the next year or so, positive arbitrage will increase.   Dividend rates are currently about 6% and are expected to increase to about 7% over the next few years.   Borrowing rates using Your Personal Bank policies as collateral are currently about 5-6% and are expected to decrease to about 4-5% in the next year or so.   If you are earning 6-7% dividends on your money, then are charged 4-5% when you borrow, what is your money doing?    You still would gain 2-3% annually on money you accessed to invest in an asset, purchase an item, or pay off an expense.    This is the power of Your Personal Bank!

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. Congress did not authorize this. Americans did not vote for this. The Biden-Harris administration stole the money to fund an illegal alien resettlement agency.    The Biden-Harris administration also took $230 Billion from Medicare to fund EV tax credits. When costs increased they took more money to delay premium spikes before the election. The Congressional Budget Office estimates this will cause a $21 Billion reduction of the Medicare Trust Fund. It is estimated Medicare part D premium will increase from $30 to $142 per month in 2025.   The Biden-Harris administration is out of control. They are not following procedures, rules, laws, or the Constitution. The government is similar to an out-of-control HOA. It has a narrow and limited purpose,  yet has far exceeded its authority. Our founding fathers would have overthrown the current government already. We have an opportunity to replace the government with this election. Vote accordingly.     Regardless of who wins this election, there is likely significant uncertainty and volatility ahead.   Reduce your market risk. Reduce your future tax liability. Increase liquidity. Create positive cash flow on your money.   The good news is this is the best time in 42 years to invest in an annuity or high cash value Your Personal Bank insurance policy. This is a generational opportunity to take advantage of higher returns on insured assets with guarantees.   Dividend rates are clearly on an upward trend due to higher interest rates than the past decade. Even if the Federal Reserve continues to lower rates from their current level, no one expects them to lower to the near zero levels of most of the past decade.    Insurance companies invest heavily in bonds. The bonds they have been purchasing for the last couple of years are far more profitable than the bonds they purchased most of the past decade. This is expected to continue for the next 3-5 years if not longer.    At the same time, borrowing rates are clearly on the decline. If the Federal Reserve lowers interest rates another 2% as they project over the next year or so, positive arbitrage will increase.   Dividend rates are currently about 6% and are expected to increase to about 7% over the next few years.   Borrowing rates using Your Personal Bank policies as collateral are currently about 5-6% and are expected to decrease to about 4-5% in the next year or so.   If you are earning 6-7% dividends on your money, then are charged 4-5% when you borrow, what is your money doing?    You still would gain 2-3% annually on money you accessed to invest in an asset, purchase an item, or pay off an expense.    This is the power of Your Personal Bank!

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 countries and a dozen different states.  His was among the first ever companies to bring Single Family Home (SFH) Portfolio Real Estate to the Private Equity Community. John is an International #1 Best Seller with over One Million Copies Sold.  His books include:  Money Secrets of the Rich and Powerful Changes.  He has also produced over 100 books and audio programs during his career. Because John is a Professional Investor, he makes his living actually DOING deals and not just teaching theory from the stage.  The bottom line is: John walks his talk. For this reason, John is only available to speak at a few events per year, his last event for 2019 is November 1-3. John greatly looks forward to sharing with you what you need to take your Real Estate Investing Business to the next level. Go to johnburley.com for more information.

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 wanted his TIME BACK! How best to accomplish that? He will say he found the right path by listening to his wife, Lora, and investing in real estate. Discovering powerful tax savings strategies, infinite banking, self-directing his retirement and different ways to become debt free inspired him to share with others so they too can beat the rat race. Today, Kip is passionate about helping other professionals see how they can build true wealth through real estate and business ownership. Creating the time freedom and true wealth that creates generational legacies for their families. Mastering the art of communication is the first step towards your freedom, let me help you!     Lora started introducing herself as a married single mother of 3. She closed her photography business to raise her 3 children and manage the household as her husband, Kip, focused on his work which took him all over the world. She came from a long line of creative influences. She desired to start her own business. She wanted real estate to be her canvas. Her husband told her that they did not know enough to succeed. That was a challenge. She went on a mission to “know enough”! Her determination and desire to design her own future, and that of her family, led her to the knowledge & helped her make it happen! Today, Lora is a passionate advocate for women and families looking for a better way. Learning the financial literacy, business and investing strategies to Design a brighter future is how she created her success. Sensational Design for Sensational People became her mission. Now she wants to help you design and create yours!     There is likely significant uncertainty and volatility ahead.   Reduce your market risk. Reduce your future tax liability. Increase liquidity. Create positive cash flow on your money.   The good news is this is the best time in 42 years to invest in an annuity or high cash value Your Personal Bank insurance policy. This is a generational opportunity to take advantage of higher returns on insured assets with guarantees.   Dividend rates are clearly on an upward trend due to higher interest rates than the past decade. Even if the Federal Reserve continues to lower rates from their current level, no one expects them to lower to the near zero levels of most of the past decade.    Insurance companies invest heavily in bonds. The bonds they have been purchasing for the last couple of years are far more profitable than the bonds they purchased most of the past decade. This is expected to continue for the next 3-5 years if not longer.    At the same time, borrowing rates are clearly on the decline. If the Federal Reserve lowers interest rates another 2% as they project over the next year or so, positive arbitrage will increase.   Dividend rates are currently about 6% and are expected to increase to about 7% over the next few years.   Borrowing rates using Your Personal Bank policies as collateral are currently about 5-6% and are expected to decrease to about 4-5% in the next year or so.   If you are earning 6-7% dividends on your money, then are charged 4-5% when you borrow, what is your money doing?    You still would gain 2-3% annually on money you accessed to invest in an asset, purchase an item, or pay off an expense.   

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 volatility. Likely, we have a bumpy ride ahead.   We also have one of the most important elections ahead of us to determine the future direction of our country in history.   Most elections have offered little difference between the candidates over most of my lifetime.   We don't have that problem this time. There are huge differences between Harris and Trump.   Also, this is not just about Trump and Harris. It is about the 5000+ bureaucrats that each candidate will appoint to run the FBI, IRS, DHS, treasury, the military, every cabinet position and every government agency.     We had the highest inflation in a generation during the Biden/Harris administration. Remember, it was always the Biden/Harris administration. Inflation was at historical lows during the Trump administration.   10-20 million, mostly unvetted, illegal aliens have entered our country during the Biden/Harris administration. Illegal aliens were at historical lows during the Trump administration.   The Harris campaign flew Zelenski in on a US military plane to sign bombs in Pennsylvania. Zelenski cancelled elections in his country. His term expired 6 months ago. Is this a democratic leader? No, he is a dictator. Kamala Harris actively supported a dictator and continued war. Trump wants to stop the Ukraine war.     Do you want more government spending, regulations, and control? Many current leaders want more power which gives them more money. They obtain this through control over you.   Do you want another 10-20 million illegal aliens entering our country in the next 4 years? Venezuelan gangs are already taking control of apartment complexes in Aurora, CO. 20,000+ Haitians dumped into a city of 60,000 like Springfield, OH, will destroy that town. The infrastructure cannot handle that influx. What if your community is next?   Do you really want war or peace? If so, vote for Harris, the democrats and RINO's.     The IRS union, Dick Cheney (often called a war monger by both parties), foreign dictators (Zelenski), the cartels, illegal aliens, and drug dealers support Kamala Harris and democrats. Is that the side you want to be on?   I am for America and American citizens. Make America Great Again is not about Trump. It is about America.     There is likely significant uncertainty and volatility ahead.   Reduce your market risk. Reduce your future tax liability. Increase liquidity. Create positive cash flow on your money.   The good news is this is the best time in 42 years to invest in an annuity or high cash value Your Personal Bank insurance policy. This is a generational opportunity to take advantage of higher returns on insured assets with guarantees.   Dividend rates are clearly on an upward trend due to higher interest rates than the past decade. Even if the Federal Reserve continues to lower rates from their current level, no one expects them to lower to the near zero levels of most of the past decade.    Insurance companies invest heavily in bonds. The bonds they have been purchasing for the last couple of years are far more profitable than the bonds they purchased most of the past decade. This is expected to continue for the next 3-5 years if not longer.    At the same time, borrowing rates are clearly on the decline. If the Federal Reserve lowers interest rates another 2% as they project over the next year or so, positive arbitrage will increase.   Dividend rates are currently about 6% and are expected to increase to about 7% over the next few years.   Borrowing rates using Your Personal Bank policies as collateral are currently about 5-6% and are expected to decrease to about 4-5% in the next year or so.   If you are earning 6-7% dividends on your money, then are charged 4-5% when you borrow, what is your money doing?    You still would gain 2-3% annually on money you accessed to invest in an asset, purchase an item, or pay off an expense.    This is the power of Your Personal Bank!

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 has dropped significantly the majority of times after rate cuts started.   This is why some are expressing concern about why the Federal Reserve chose such a large rate cut.      Are they concerned about the economy?     Did they panic and overreact?     Was this politically motivated due to being so close to an election?   Nearly every economic indicator is showing the worst numbers since the Great Recession. The trends are headed in the wrong direction. If they continue, we can expect a severe recession.   I believe the Federal Reserve is attempting to prevent this. Their actions show they are clearly worried about employment.    Will they be successful in avoiding a hard recession?   They may be successful this time.   But history shows that when the Federal Reserve increases or decreases interest rates, they have consistently overreacted. They have also consistently been too late.   We will know in time, but the odds are against it.     The good news is this is the best time in 42 years to invest in an annuity or high cash value Your Personal Bank insurance policy. This is a generational opportunity to take advantage of higher returns on insured assets with guarantees.   Dividend rates are clearly on an upward trend due to higher interest rates than the past decade. Even if the Federal Reserve continues to lower rates from their current level, no one expects them to lower to the near zero levels of most of the past decade.    Insurance companies invest heavily in bonds. The bonds they have been purchasing for the last couple of years are far more profitable than the bonds they purchased most of the past decade. This is expected to continue for the next 3-5 years if not longer.    At the same time, borrowing rates are clearly on the decline. If the Federal Reserve lowers interest rates another 2% as they project over the next year or so, positive arbitrage will increase.   Dividend rates are currently about 6% and are expected to increase to about 7% over the next few years.   Borrowing rates using Your Personal Bank policies as collateral are currently about 5-6% and are expected to decrease to about 4-5% in the next year or so.   If you are earning 6-7% dividends on your money, then are charged 4-5% when you borrow, what is your money doing?    You still would gain 2-3% annually on money you accessed to invest in an asset, purchase an item, or pay off an expense.    This is the power of Your Personal Bank!

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 taxes whenever possible.   Your Personal Bank creates a tax-free bucket of money, insured, with guarantees, and highly liquid.       Why is this one of the best times to add Your Personal Bank to your portfolio?   Insurance companies invest heavily in bonds. Bonds are highly interest rate sensitive. Interest rates have increased at the fastest rate in the history of the Federal Reserve. Bond interest rates are 2-3 times higher than they were a couple of years ago. Insurance company profits are increasing as well. Dividends are profits of the company, therefore, dividends are expected to increase.   When the federal government spends more than it receives in tax revenue, it has to sell bonds to issue the currency. This is known as deficit spending. Also, the government does not pay down the existing debt. It sells new bonds at the current interest rate when the previous bond term expires to "roll over" the debt.     Deficit spending is at all-time record levels. The overall debt continues to increase $1 Trillion about every 100 days.    This is causing the federal government to sell record levels of bonds. And the amount of bond selling continues to increase. To entice institutional bond buyers to continue buying bonds, the government is having to offer higher and higher interest rates.   Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.   The federal government fiscal irresponsibility creates an opportunity.   You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!     I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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.   Typically, the interest or dividends earned are higher than the cost of borrowing funds. This creates positive cash flow on money that is spent! This is known as positive arbitrage.    You are able to earn interest on money spent each and nearly every year for the rest of your life. Positive arbitrage has typically been 2-3% annually for the past 40+ years. What if you earned 1-3% on money you spent each year? You would have significantly more money to live on for the rest of your life!   Why is this one of the best times to add Your Personal Bank to your portfolio?   Insurance companies invest heavily in bonds. Bonds are highly interest rate sensitive. Interest rates have increased at the fastest rate in the history of the Federal Reserve. Bond interest rates are 2-3 times higher than they were a couple of years ago. Insurance company profits are increasing as well. Dividends are profits of the company, therefore, dividends are expected to increase.   When the federal government spends more than it receives in tax revenue, it has to sell bonds to issue the currency. This is known as deficit spending. Also, the government does not pay down the existing debt. It sells new bonds at the current interest rate when the previous bond term expires to "roll over" the debt.     Deficit spending is at all-time record levels. The overall debt continues to increase $1 Trillion about every 100 days.    This is causing the federal government to sell record levels of bonds. And the amount of bond selling continues to increase. To entice institutional bond buyers to continue buying bonds, the government is having to offer higher and higher interest rates.   Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.   The federal government fiscal irresponsibility creates an opportunity.   You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!     I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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 American consumer has more debt and less savings than in 1970 and 2021.    Consumer weakness could lead to a sharper decline than 1970 and 2021, according to Piper Sandler.   The Shiller cyclically-adjusted price-to-earnings ratio (CAPE), is a 10-year rolling average of the 12-month trailing PE ratio.    The CAPE ratio has a remarkable ability to predict future returns. The CAPE ratio predicted the S&P500 returns over the following decade with 90% accuracy between 1995 - 2010, according to an analysis by The American College of Financial Services.   The Shiller CAPE ratio currently predicts annualized returns of about 3% over the next decade.     I believe the economy will get worse before it gets better. We are in for a rough ride.   It would be prudent to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!   Contact Ferenc at yourpersonalbank.com or 866-268-4422 for more info.

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 inflation.   If the Federal Reserve cuts rates too soon, they could reignite inflation and make things worse. Also, they have a history of moving slowly.   Lastly, the Federal Reserve target inflation rate is about 2%.     I believe the economy will get worse before it gets better. We are in for a rough ride.   It would be prudent to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!   Contact Ferenc at yourpersonalbank.com or 866-268-4422 for more info.

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 from the recent crisis.   The excess savings from COVID relief is gone. Consumer household debt has increased 25% in the past 3 years and hit new records. Unemployment has increased in the past four months.    These are all signs that predict recession is ahead.   There were calls for emergency rate cuts. The Federal Reserve response was "There's nothing in the Fed's mandate that's about making sure the stock market is comfortable." Don't expect a Federal Reserve bailout.   Inflation has been above 3% for 39 consecutive months. The Fed is more concerned about inflation than recession. In fact, a recession helps the Fed fight inflation.    It is clear volatility has increased and not likely to disappear any time soon.     It would be prudent to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!   Contact Ferenc at yourpersonalbank.com or 866-268-4422 for more info.

- 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 devastated buying power. - The pressure is real. Everything is much more expensive than it was four years ago. This has devastated many household budgets. - The 30,000 foot view is that employment is low, the economy is growing, and people are spending money.  - The reality on the ground is moderating inflation does not mean prices are going down. It just means prices are not increasing as fast as they were before.   - Primary cause of inflation is excess government spending. - Interest on the debt is estimated to exceed $1.1 Trillion in 2024. - This is equivalent to over 75% of personal income taxes collected. This is the largest revenue item for the federal government.   - Homeowners and those who own significant financial assets have done very well the past few years, but this leaves out huge segments of the population. - 3 in 5 Americans believe we are in a recession.    - MarketWatch prediction: Stocks will not beat inflation over the next decade - The S&P 500 to the M2 money supply valuation model is the most bearish since 1970. - The M2 money supply Federal Reserve estimate of total money in circulation in the US.   It would be prudent to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!   Contact Ferenc at yourpersonalbank.com or 866-268-4422 for more info.

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 multiple countries and a dozen different states.  His was among the first ever companies to bring Single Family Home (SFH) Portfolio Real Estate to the Private Equity Community. John is an International #1 Best Seller with over One Million Copies Sold.  His books include:  Money Secrets of the Rich and Powerful Changes.  He has also produced over 100 books and audio programs during his career. Because John is a Professional Investor, he makes his living actually DOING deals and not just teaching theory from the stage.  The bottom line is: John walks his talk. For this reason, John is only available to speak at a few events per year, his last event for 2019 is November 1-3. John greatly looks forward to sharing with you what you need to take your Real Estate Investing Business to the next level.

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 this. Jeremiah 5:21 states “Hear this, you foolish and senseless people, who have eyes but do not see, who have ears but do not hear”.   Some Christians can't bring themselves to support Trump because he is flawed. Show me a human who ever lived who is perfect other than Jesus.     God's power is not limited by human imperfection. David committed adultery and murder yet called him “a man after his own heart”. God uses flawed people.    A single bee is ignored, but when millions come together, even the bravest run in fear. The government fears the day we stand together.

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 increases another 0.07%, one of the most accurate economic indicators predicting recession will trigger.   I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   This is the best time to invest in high cash value dividend paying policies and annuities in 40+ years due to higher interest rates!   You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

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. Americans' savings are now below pre-pandemic levels. Credit card debt is at record highs.    Many Americans are using savings and debt to pay for basic expenses. The American consumer is struggling.    This is likely the last straw that will lead to recession.     You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!   I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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 gains in good market years with the principle guaranteed. There is no downside market risk.   This is the best time in 40+ years due to higher interest rates for annuities and high cash value dividend paying Your Personal Bank policies. Higher for longer interest rates means these products will thrive. Returns will likely continue to increase for the next several years.     Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.   The federal government fiscal irresponsibility creates an opportunity.   You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!   I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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.   Typically, the interest or dividends earned are higher than the cost of borrowing funds. This creates positive cash flow on money that is spent! This is known as positive arbitrage.    You are able to earn interest on money spent each and nearly every year for the rest of your life. Positive arbitrage has typically been 2-3% annually for the past 40+ years. What if you earned 1-3% on money you spent each year? You would have significantly more money to live on for the rest of your life!   Why is this one of the best times to add Your Personal Bank to your portfolio?   Insurance companies invest heavily in bonds. Bonds are highly interest rate sensitive. Interest rates have increased at the fastest rate in the history of the Federal Reserve. Bond interest rates are 2-3 times higher than they were a couple of years ago. Insurance company profits are increasing as well. Dividends are profits of the company, therefore, dividends are expected to increase.   When the federal government spends more than it receives in tax revenue, it has to sell bonds to issue the currency. This is known as deficit spending. Also, the government does not pay down the existing debt. It sells new bonds at the current interest rate when the previous bond term expires to "roll over" the debt.     Deficit spending is at all-time record levels. The overall debt continues to increase $1 Trillion about every 100 days.    This is causing the federal government to sell record levels of bonds. And the amount of bond selling continues to increase. To entice institutional bond buyers to continue buying bonds, the government is having to offer higher and higher interest rates.   Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.   The federal government fiscal irresponsibility creates an opportunity.   You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!     I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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, about 80% of world trade is transacted in US currency.   This has created a strong demand for US dollars worldwide. For example, it is estimated there are more $100 bills in Russia than the US because of the need to use US currency to purchase oil or trade internationally.    The US government has been able to easily sell bonds due to the global reserve currency status. Due to the perceived safety, the interest rates offered on US bonds were lower than bonds from other countries. This has had the affect of keeping interest rates lower in the US.   The reduced demand for US dollars will likely have the following economic effects:   Interest rates will higher on average in the future than the past 50 years.   Goods produced outside the US will cost more. This will increase inflation.   The US will have less influence geopolitically due to the weakened reserve currency status.     Protect your money. Diversify your portfolio. This is particularly important with increased uncertainty. Reduce market risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.    This is the best time to invest in annuities and high cash value insurance in 40+ years. Fixed interest assets are expected to increase for the next 5 -10 years due to higher for longer interest rates.   Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.   The federal government fiscal irresponsibility creates an opportunity.   You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

 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 Comptroller General of the United States and CEO of the U.S. Government Accountability Office (GAO) for almost 10 years. This was one of his three Presidential appointments by Presidents from both political parties, with unanimous Senate confirmation each time. Dave also served as one of two Public Trustees for Social Security and Medicare from 1990-1995, and as the first Chairman of the Independent Audit Advisory Committee for the United Nations.   Most recently, Hon. David M. Walker served as the Distinguished Visiting Professor and Crowe Chair at the U.S. Naval Academy where he taught the Economics of National Security. He currently serves on a number of government and non-profit Boards and Advisory Committees, including the Defense Business Board, the Federal Fiscal Sustainability Foundation, and as a National Co-Founder of No Labels.