Your Personal Bank

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.