Your Personal Bank

Hosted by Trent Marlow

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100

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Nov 2026

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About the show

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

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November 9, 202654 min

Midterm Elections: What Happened? Why? What's Next?

What Happened? The Republicans had the worst election cycle since 1974. That was the aftermath of Watergate. The GOP lost the House, the Senate, and several governorships. The loss of the Senate will affect judicial appointments for years to come. Texas will have a Democrat senator, governor, lieutenant governor, attorney general, state senate, and state house. The Democrats even won 4 state Supreme Court justices, and land commissioner. This is particularly damaging to the Republican Party. There is no path for a Republican to win the presidency without Texas. Why? The primary reason the Republicans lost so badly was that they were angry with Trump for starting a new war in Iran. He promised no new wars. The voters felt they were lied to. They also felt that Trump was not focused enough on affordability issues. The majority of the electorite did not vote for Democrat positions like open borders, more spending, higher taxes, or no election integrity. The vote was a protest vote against the Iran war and the Senate not passing very popular issues like the Save Act. For example, Democrats won several states that also passed laws or constitutional amendments that require ID to vote or only allow citizens to vote. Democrats voted consistently against requiring voter ID. What's Next? Gridlock. Democrats may control the House and Senate, but not a super majority to overcome a Trump veto. Uncertainty: No one knows who will have control in 2 years Volatility: Historically, the worst returns occur with a Republican president and Democrat House and Senate. What about Investments? The AI Bubble is showing serious signs of cracking. Several tech leaders are down 20-30% from recent highs due to increasing debt to build AI infrastructure. Yet, over half of the S&P500 is still trading at 10X revenues. This means a company would have to pay 100% of their revenue to investors over a 10-year period. This is unsustainable. What to Do? Diversify. Protect against downside risk. Index (growth) Annuities and Index Universal Life provide: Double digit potential annual returns on good market years with no losses on bad market years. Grow your money safely, without market risk. Principle is guaranteed. Once gains are locked in, they are guaranteed against market loss. If you own an annuity that is 2+ years old, new annuity returns are so superior, it is worth reviewing to increase future returns. If your annuity has an early surrender penalty, annuities are currently available that offer 20%+ bonuses with higher potential future returns.

November 2, 202654 min

What is More Expensive than $4 gas? The Negative Case Against AI Gets Stronger Every Day

Do you know what is more expensive than $4 gas? - Paying for food and housing for people who should not be here. - Paying for healthcare for people who jumped the border. - Paying for military protection for people who hate us. - Paying for infrastructure in a country you have never been to. - Paying for student loans you never signed for. Despite massive investments and widespread hype, Artificial Intelligence has delivered zero financial payoff outside of tech. Profit margins and revenue per employee are flat for 493 of the S&P500 companies. Half of the S&P500 is in a bear market. 44% of the S&P500 stocks are down 20%+ from their 52-week highs. 40 companies in the S&P500 are down 40%+. Over 1400 stocks in the NASDAQ and over 1600 of the Russell 3000 are in a bear market. Meanwhile the S&P500 is up 15% year to date.

October 26, 202654 min

Ukraine is Attempting to Impact the Midterm Elections by Attacking Russian Oil Refineries. Credit Stress is Exploding in the AI Industry.

California charges $1.47 per gallon in gas taxes and fees. Texas charges 38 cents. Why would voting for Democrats (or not voting for Republicans because you are upset with gas prices) reduce prices at the pump? Ukraine is attempting to impact the midterm elections by attacking Russian refineries. Russia supplies much of the world's diesel. High gas prices likely affect Republicans and Trump negatively. Ukraine is hoping the Democrats regain control of the House and restart funding their war. The Democrats recently released a "Trumpflation Tracker". It shows inflation cost the average household $3,388 over the first 20 months of Trump's second term. The tracker failed to share that inflation cost the average household $31,321 over Biden's four years. This is over 4X higher inflation cost per month! Many people are upset because they thought prices would come down when Trump took office. There are only two viable options to reduce prices. 1. Severe recession 2. Reduce number of people in the US - Trump has closed the border. - Legal immigration has been cut in half. - 3+ million illegals have left voluntarily or deported. - SNAP (food stamps) have been cut by nearly 7 million. - HUD requires citizenship or eligible status for Section 8 government housing. - The Trump administration is investigating and prosecuting fraud. These actions will reduce overall prices. When the Berlin Wall fell, no one ran from the capitalist side to the communist side. Remember this when you vote. Credit stress is exploding in the AI industry. Credit default swaps are insurance against bond failure issued by companies. Higher risk increases spreads. Coreweave credit default swaps are predicting a 63% chance their bonds will fail within 5 years. Oracle insurance costs have had a record increase. Amazon, Google, Meta, and Nvidia have increased insurance costs. Record levels of borrowing to build data centers is colliding with concerns if AI will generate sufficient returns to recoup the borrowing costs. BlackRock, the world's largest asset manager, recommended investors reduce their US stocks. They cited AI volatility and higher interest rates. This is the "Golden Era" of fixed assets. This is the best time in 40+ years to invest in index annuities, index universal life, and high cash value whole life.

October 19, 202654 min

Why the Market is Rising While Your Portfolio Value is Declining

Diesel prices have hit record highs recently because Ukraine has been attacking Russian refineries. Russia supplies much of the world's diesel. Trump buys $6 Billion of diesel from Russia to help US farmers, truckers, and consumers. The left and Europe are upset. Europe has purchased over $375 Billion of Russian oil, gas, and coal in the past 3 years while supporting Ukraine. Europe bought nearly $3 Billion in August 2026. What hypocrites! Trump also negotiated a ceasefire between Russia and Ukraine energy because it affects the rest of the world. The next day Ukraine broke the deal and attacked Russian oil refineries again. Many think that leftists and globalists directed Zelensky to defy the agreement brokered by Trump because lower gas prices would help the Republicans in the midterms. Don't fall for the psyop. Many people have heard about the stock market rising, yet their account statements are showing losses. S&P 500 - 70% of the rally since March 2026 was driven by 10 stocks - 85% of the stocks are down 10%+ from their all-time highs - 59% are down 20%+ - 41% are down 30%+ - 17% are down 50%+ This is a clear sign that most stocks are struggling because of higher interest rates. Higher interest rates are driven by higher long-term bond yields. This is caused by high government debt. This is unlikely to change for years if not decades. Blackrock has cut US stocks to neutral and turned bullish on Treasuries. This is the "Golden Era" of fixed assets. This is the best time in 40+ years to invest in index annuities, index universal life, and high cash value whole life.

October 12, 202654 min

Long-Term Bond Yields are Hitting Multi-Decade Highs Worldwide due to Record Global Debt

Affordability is still a concern prior to the midterm elections - Groceries - 3.9% average annual increase since 1970 - 30%+ increase during Biden administration - 2.1% average annual increase Trump second term - people are suffering from the price spike during the Biden administration - Housing - Prices at historical high - Mortgage rates increasing but within normal range - Dallas Federal Reserve White Paper - 1% increase in workforce = 1% increase in house and rent prices - 1% reduction of workforce = 0.96% decrease in house and rent prices - Deportations, voluntary and otherwise, reduces housing prices - Fuel - Crude oil exports thru Strait of Hormuz reached 98% of pre-war levels recently - Ukraine has been attacking Russian oil refineries recently, Russia supplies much of the world's diesel - US has not built a major oil refinery since 1977 - California closed four refineries in the past year Annuity returns are the highest in decades due to record long-term bond yields. This is likely to continue for years. - Multi-Year Guarantee: 6.45% return guaranteed for 8 years currently available - Index (Growth) Annuity: 7.67%-15.5% 10-year average annual returns - Up to 26% bonuses available - Highest guaranteed lifetime income available in decades

October 5, 202654 min

Bond Yields are Accelerating. How this will Affect the Stock and Real Estate Market

The 30-year treasury surged to over 5.5%, the highest level since 2004. The 10-year treasury exceeded 5.25%, the highest since 2007. The federal government debt is over $40T and is adding about $2T of debt per year. This is the primary reason why bond yields have been rising since 2022. It will likely continue to increase in the future. Rising bond yields are making equities less attractive. The extra return stocks typically offer over bonds is near multi-decade lows. At the same time the S&P 500 is near all-time highs, yet about half of the stocks are declining. The 10 largest companies account for about 40% of the S&P 500. A few massive companies are making the market look much stronger than many stocks are. The 30-year fixed mortgage hit about 7.5% recently. This increases the cost of a mortgage about 40%. The average cost to buy a house is about $1,000 per month higher than rent. This is the highest on record. These are massive economic changes. Fixed index annuities and high cash value life policies thrive in higher interest rates. They are some of the best financial tools to obtain strong upside gains while eliminating downside market risk. This is the "Golden Era" of fixed assets. We are experiencing the highest returns in decades. This will likely continue.

September 28, 202654 min

Fuel Prices, American Jobs, and Your Financial Future

Why are fuel prices still climbing, and who's really responsible? On this week's Your Personal Bank Show, Ference Toth digs into the hidden factors driving diesel and gas prices higher, from refinery shutdowns to energy policy decisions. He also breaks down major changes to H-1B visa programs and what they could mean for American workers. Plus, learn why today's financial environment may be creating unique opportunities for retirement planning and protected growth strategies.

September 21, 202654 min

The Federal Reserve Increased Interest Rates / Tripling Client Potential Returns or More

The Federal Reserve recently increased interest rates 0.25% recently. This is the first rate increase since July 2023. The reasons cited were to address stubborn inflation. Inflation is primarily caused by the government spending too much money. This pushes interest rates and long-term bond yields higher. Also, the Federal Reserve signaled there would likely be another rate hike before the end of week. This will increase borrowing costs. The markets reacted negatively. Higher interest rates typically are bad for stocks, the real estate market, and cryptocurrencies. Fixed assets (CD's, bonds, and index products) thrive in a higher interest rate environment. This is the "Golden Age" of fixed assets. Ferenc shares several client examples that have suffered poor performance due to low performing indexes, high fees, caps, and low participation rates. Ferenc explains how he was able to find products that will increase their potential increased returns 3X+ based on the past decade historical returns.

September 14, 202654 min

Affordability Challenges / An Extreme Client Example: 10X Potential Increased Returns without Market Risk

Some Americans are frustrated that affordability has not improved quicker. The US has not built a major oil refinery since 1977. Oil prices have remained high primarily due to limited refining capacity. The Trump administration recently announced the first major oil refinery since 1977. Allowing too many people into our country has created increased prices for food, housing, medical expenses, and nearly every item we purchase. If the immigration crackdown continues, an estimated 15 million foreign-born people will leave the US by the end of president Trump's term. The affordability issues have been created over decades. Fixing these problems takes time. Structural changes this significant typically are a result of bloody revolutions. So far, we have gotten off easy. It is naive to think that enemies of America, the Legacy Media, Globalists, the Uni-Party, Bureaucrats, and Democrats would give up easily. Ferenc shares an extreme client example that had suffered extremely poor performance due to poor indexes, high fees, and low participation rates. Ferenc explains in detail how he was able to find a product that will increase their potential increased returns 10X based on the past decade historical returns.

September 7, 202654 min

The Best Time in 40+ Years to Consider an Annuity or Transfer Your Annuity

This is the Golden Era of Fixed Assets Best index and income annuities available in my 27-year career! - Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years - Up to 27% signing bonuses are available up to age 89 in most states. - Highest guaranteed lifetime income o 8-10% guaranteed annual income increase rollup o Up to 45% bonus available in most states Index (growth) annuity - Strong upside potential gains - No downside market risk - Principal guaranteed - Once gains locked in, become new principal - Some products: can lock in gains at any time - Tax-deferred growth: pay taxes on gains only when withdrawing funds Common Misconception: If you want guarantees, you have to give up strong returns. Not true! Annuities suffer from perception of poor performance. If you choose a bad stock, do you blame the entire stock market? Index Annuity Poor Performance Reasons 1. Caps and other limits 2. Wrong Indexes 3. Low interest rates when purchased How do you avoid poor performance? Independent agent 1. Access to nearly every product available, ensure best option 2. About 10% of agents/advisors are independent 3. If you met with an agent/advisor and were only shown one or two products, likely not independent 4. Product search: literally dozens of companies and 100's of products Index Performance Report - 100's of indexes - Most poor performers - Choose strong performing indexes Ensure Strong Index Annuity Returns 1. Strong performing Indexes 2. No Caps: unlimited upside 3. Low or no fees 4. Strong participation rates: enhance returns