Just Like You Need a Fast Horse and Great Rider to Win a Horse Race, You Need a Strong Index and Great Strategy to Maximize Index Returns
Release Date: 12/03/2025
50% of the Housing Market is Chasing the 7% of Total Homebuyers That Can Afford a Home That Do Not Already Own
Your Personal Bank
A household needs $132,000 income to afford the median home. Only 31% of households can afford the median home. The median age of homebuyers is 59. The average age of first-time homebuyers is 40. 77% of households earning $132,000+ already own their home. Therefore, 50% of the housing market is chasing the 7% of total homebuyers that can afford a home that do not already own. This will not end well for real estate values. Our government gave illegals loans for homes and welfare to pay for them. This contributed to increasing home prices. That left...
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Trump banned large institutional investors from purchasing single family homes.
Your Personal Bank
Trump just issued an executive order to ban large institutional investors from purchasing single family homes. He stated "A person sweats, works, buys one house and can't take depreciation". The average age of first time homebuyers is 40, the highest ever recorded. The average age of all homebuyers is 59. Homebuyers over the age of 70 outnumber buyers under 35. This is not a healthy market. Trump's ban will likely reduce home prices in the short term. Lennar, the second largest homebuilder in the US, has dropped prices 27%, below pre-pandemic prices. New...
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Real Estate Values are Likely to Continue to Decrease
Your Personal Bank
The mortgage lock-in effect may be starting to ease. There are more mortgage holders with 6%+ rates than sub 3% mortgages for the first time since 2020. As more existing homeowners have higher interest rates they may be more willing to sell their homes. More houses for sale likely will lead to reduced prices. Lennar, then second largest homebuilder in the US, were selling homes for $500,000+ in 2022. Now, they are selling new homes for $375,000. This is is a 27% price drop in 3 years. Inventory influences housing prices. Housing prices are...
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Trump Proposes Banning Institutional Investors from Buying Single Family Homes
Your Personal Bank
Will Trump's proposal to ban large institutional investors from buying single family homes reduce housing prices. His statement "People live in homes, not corporations" sounds good on the surface. The housing affordability crisis was caused by: 1. The Federal Reserve reduced interest rates too low for too long. This created an asset bubble. 2. Many homeowners/real estate investors have significant appreciation subject to capital gains if they sell. 3. Many homeowners are "locked in" with historical low mortgage interest rates. 4. Shortage of single family...
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2026 is Starting with a Bang! Massive Fraud Exposed
Your Personal Bank
Citizen journalist Nick Shirley posted a documentary exposing the fraud perpetrated by the Somali community in Minnesota.He visited multiple daycare centers that have received multiple millions of dollars annually yet there is no evidence of any children ever being present. The fraud is estimated to be over $8 billion dollars over the past several years. This is fraud on an industrial scale. This may be the largest organized crime scheme in the history of the US. Fraud at this level is organized. Government agencies had to be involved to be...
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Successful Goal Setting and the Wheel of Life
Your Personal Bank
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.
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Ferenc's Personal Story
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Ferenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.
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The Solution to the Affordability Problem is Less People Who Don't Belong Here
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Officially, there are 53 million foreign-born people in currently in the US. That is about 1 in 7 people. This is higher both in total number and percentage than the peak of the Ellis Island period. 42 million people currently are on the food stamp program (SNAP). 48% are illegal aliens, 34% are legal immigrants. Neither should be receiving benefits. Ellis Island immigrants mostly wanted the opportunity of the American Dream. Millions of current immigrants, both legal and illegal, do not want to assimilate or contribute. They are freeloaders. If an immigrant you cannot afford...
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80% of Indexes in Annuities and IUL's Average Low Single Digit Returns. 20% Average 10-12%. How to Find Them.
Your Personal Bank
Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns. To win a horse race you need a fast horse and a good rider. The index is the horse. An index that has a strong history of returns is more likely to continue significant future returns vs an index that has never produced decent returns. The Index Performance Report shows the 1, 5, and 10 year returns of indexes offered by index annuities and index universal life policies. There are 50+ insurance companies and 600+ index options. About 80% of the indexes average low single digit...
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Just Like You Need a Fast Horse and Great Rider to Win a Horse Race, You Need a Strong Index and Great Strategy to Maximize Index Returns
Your Personal Bank
Ferenc shares how he can help you increase your index returns 2-10X annually on your index annuity or index universal life policy while eliminating downside market risk. Nvidia CEO, Jensen Huang, recently stated "The whole world would've fallen apart" if Nvidia missed earnings expectations. The world economy dependent on one company is not a good thing. The US State Department has warned that mass migration poses an "existential threat" to Western civilization. HUD Secretary Scott Turner states mass deportations would have an immediate positive impact on the housing crisis in America. Only 30%...
info_outlineFerenc shares how he can help you increase your index returns 2-10X annually on your index annuity or index universal life policy while eliminating downside market risk.
Nvidia CEO, Jensen Huang, recently stated "The whole world would've fallen apart" if Nvidia missed earnings expectations. The world economy dependent on one company is not a good thing.
The US State Department has warned that mass migration poses an "existential threat" to Western civilization.
HUD Secretary Scott Turner states mass deportations would have an immediate positive impact on the housing crisis in America.