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Your Personal Bank with Ferenc Toth

Your Personal Bank with Ferenc Toth

De: 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.

 Economía
Episodios
  • Salary Optimization May Be Limiting Your Salary

    Salary Optimization May Be Limiting Your Salary
    Apr 13 2026

    When negotiating a salary or a raise, most people don't know what they are up against.

    Many companies purchase data from payroll processors and other sources to optimize salary expenses. This info often includes previous job incomes and what increases you recieved. The info obtained by companies include address changes, credit card utilization, delinquent debt, and past due balances. This data aggregation determines the lowest salary you will accept. The salary offered is typically about 3-6% above your minimum number. This is just enough to feel like you are negotiating. Veena Dubai, a law professor, completed extensive research on algorithmic wage discrimination and found that when many employers in the same market use the same data vendors, it creates price-fixing of labor. The company has the advantage with all the data. They know what you will settle for. You think you are negotiating. The system even accounts for your counter in advance. You think your salary is based on the position; your knowledge and experience. It isn't. It is based on your desperation. Salary optimization requires information. The primary source is a product called the Work Number. You can contact Equifax and freeze your info. Take back control of your personal info, freeze your info and maybe even your salary negotiations!

    See omnystudio.com/listener for privacy information.
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    54 m
  • The US has a Dual Immigration Problem

    The US has a Dual Immigration Problem
    Apr 6 2026
    Millions of illegal aliens flooded into America during the Biden administration and previous years. They were given cash, food, shelter, and many other benefits. There is even a scholarship specifically for illegals. The Dream US is the nation's largest program for undocumented immigrant students. Illegals get $33,000 for a bachelor's degree. They have awarded over 12,000 scholarships to date. The lynchpin for these giveaways is the Individual Taxpayer Identification Number or ITIN. This is a quasi-Social Security number given only to foreigners. ITIN's also enable illegal aliens to purchase homes, often financed with taxpayer dollars. Our government even advised illegal aliens on how to buy homes against American citizens. The Consumer Financial Protection Bureau advertised that some lenders had mortgage programs tailored for ITIN holders without proof of legal residency on their website. This put illegal aliens in direct competition with American citizens.The US already had a housing shortage. This competition further drove up housing prices. The H-1B visa is marketed as a global talent program, yet 71% of all approvals go to one country, India. This is not global. This is a pipeline from one country to outsource cheap labor. Companies must sign a form under oath they can't find qualified Americans to hire an H-1B worker. The top 5 companies over the past 15 years stated 314,100 times no American were available. They fired 99,000 Americans at the same time. Dream Home Mortgage advertises H-1B Visa mortgages with no US credit. This further creates more competition for homes with US citizens and drives up prices. JP Morgan recently released a study titled "Annuities Improve Outcomes" The study compared a number of scenarios replacing the bond portion of a 60/40 equity/bond portfolio to variable annuities and fixed-index annuities. The likelihood of success of not running out of money in retirement was lowest with the 60/40 equity/bond portfolio. Variable annuities improved the likelihood of success. Fixed index annuities provided the highest likelihood of success of not running out of money in retirement in every scenario. The JP Morgan study did not compare using the best fixed index annuity products available. Contact Ferenc at ferenc@yourpersonalbank.com or 268-268-4422 to find the best index annuity product available for your situation.

    See omnystudio.com/listener for privacy information.
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    54 m
  • How Legal Immigration Impacts Our Economy

    How Legal Immigration Impacts Our Economy
    Mar 30 2026
    Included in the Census: - Illegal Aliens - Green Card Holders - Work Visa Holders - Student Visa Holders Why should we have representatives representing this wave of foreigners? There is Daycare fraud, EBT fraud, Hospice fraud, Medicaid fraud, Medicare fraud, Medical Transportation fraud, SNAP fraud, but we are supposed to believe there is no election fraud? We are told about 20 million illegal aliens entered the US during the Biden administration. When ICE is deployed, airport lines plummet, building sites become ghost towns, class sizes shrink, emergency rooms are not full, and traffic jams are eliminated. I think the 20 million number is bogus. There are credible estimates that there are as many as 100 million illegal aliens in the US. H-1B was sold as the "best and brightest". H-1B visa employees are paid an average of 15% less than US workers at the same jobs. 87% of H-1B's are entry-level positions. About 94% of H-1B applicants were approved from 2009 - 2025. It has become a system for cheaper labor. Many US citizens, especially younger Americans are struggling to find or keep jobs. Less people are able to save, buy a house, or start a family. This makes the American Dream more difficult and hurts our economy. Every dollar spent on foreigners is a dollar stolen for Americans. Americans did not vote for a flood of foreigners to take our jobs and create a welfare state. We have suffered the highest inflation in a generation. If we deported the illegals and reduced legal immigration, food, housing, and nearly everything else we need to live would be cheaper. Insurance rates would decline. The government would spend less on welfare. The government deficit could be eliminated. Government debt could possibly be reduced. Fraud would decline. Our streets would be safer. Emergency room wait times would be reduced. Class sizes would be smaller. There would be less traffic jams. Airport lines would be shorter. Nearly every aspect of US citizens' lives would improve. This negatively impacts our economy. This creates uncertainty and instability. Uncertainty creates volatility. Protecting your assets becomes more important. Index products provide unlimited upside gains with no downside market risk. There are index annuity products that have averaged 10-11% average annual returns for the past decade while the principle is guaranteed. There is a common misconception that if you want guarantees you have to give up strong returns. That is not true.

    See omnystudio.com/listener for privacy information.
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    54 m
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