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Your Personal Bank with Ferenc Toth

Your Personal Bank with Ferenc Toth

Auteur(s): Your Personal Bank with Ferenc Toth
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If you want to live like the wealthy, you need to think like the wealthy. Join Ferenc Toth each week for the Your Personal Bank™ Show, Saturdays at 10:00AM. Your Personal Bank™ is a powerful financial tool typically only shared with the ultra-wealthy by the financial industry. Learn how to gain control of your money . . . create tax-favored income . . . and access more funds over your lifetime. It’s the Your Personal Bank™ Show . . . the show that can change your financial life. Call 866-268-4422 for more information.

 Économie
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  • Gold and Silver Values Plunge

    Gold and Silver Values Plunge
    Feb 9 2026
    Gold prices have dropped suddenly after a historic increases over the past year. Silver plunged 26% in one day, the largest drop in history. Gold and to a lessor degree silver prices had increased dramatically due to concerns about inflation and excess money printing by the Federal Reserve. Leverage exaggerated the rise in prices and the crash. As prices dropped, many investors faced margin calls which forced them to sell at any price and created a cascade. This is a common cycle of asset bubbles and when the bubble bursts. This changed when Trump announced Kevin Warsh as the new Federal Reserve Chair. Kevin served as a Federal Reserve Governor from 2006 thru 2011, during the Great Recession. He was highly critical of the Federal Reserve continuing to print money after the crisis was over. He eventually resigned his seat in protest. This appointment shocked the markets and signaled a major change in future Federal Reserve policy. The current asset bubble in the stock market, real estate, precious metals, and cryptocurrency was largely created by money printing. Kevin Marsh will likely stop excess printing and sell down the Federal Reserve assets. Volatility is expected as the economic policy changes are implemented. This could be a bumpy ride, even stomach churning for investors. If you want to participate in future potential upside gains without the stress of potential significant losses, index products could be the best solution for you. Index products allow unlimited upside potential gains with no downside market risk. Principle is guaranteed. We have several indexes that have generated about 7-11% average annual returns the past 10-20+ years. Some have earned up to 27% in one year recently! All with no cap, no fee, and no downside losses.

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    54 min
  • 50% of the Housing Market is Chasing the 7% of Total Homebuyers That Can Afford a Home That Do Not Already Own

    50% of the Housing Market is Chasing the 7% of Total Homebuyers That Can Afford a Home That Do Not Already Own
    Feb 2 2026
    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 millions of Americans unable to buy a home. These illegals built up equity that taxpayers paid for. Many have more money in equity than the average American who was stuck paying rent. Where in immigration law does it say you can enter illegally and stay as long as you don't commit a violent crime? Who voted for this? No one. Yet American are supposed to ignore this?

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    54 min
  • Trump banned large institutional investors from purchasing single family homes.

    Trump banned large institutional investors from purchasing single family homes.
    Jan 26 2026
    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 home inventory especially in the Southeast are at all-time highs. The homebuilders felt comfortable building homes because if they were unable to sell to a homebuyer institutional buyers would purchase the property. The US dollar as reserve currency status has been strengthened. It is based primarily on the petrodollar. The US and Saudi Arabia agreed to price its oil in US dollars in exchange for military protection and economic cooperation. The relationship was strengthened recently by Trump. This ensures steady demand for the dollar. In 2019 the US became a net exporter of oil. This further strengthens the US dollar in oil trade. All major oil benchmarks, West Texas Intermediate and Brent Crude are priced in US dollars. US and Venezuelan combined oil reserves account for over 50% of the total world's oil reserves. As long as the US controls Venezuelan oil, the US will dominate the world oil market. The US has prevented China from controlling Venezuelan oil. This is a significant hit to China and the BRICS currency.

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    54 min
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