Your Personal Bank

July 2024 Consumer Price Index (CPI) was reported at 2.9%. This is the lowest level since March 2021. Although the rate of inflation is slowing down, prices are not going down. They are still increasing. The cumulative price increases over the past 3 years are hurting Americans. Despite what you hear from the media and Wall Street about a potential rate cut, the Federal Reserve is far more concerned about inflation than recession. An economic slowdown actually helps the Federal Reserve fight inflation. If the Federal Reserve cuts rates too soon, they could reignite inflation and make things worse. Also, they have a history of moving slowly. Lastly, the Federal Reserve target inflation rate is about 2%. 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.

The AI tech bubble has burst due to a weak unemployment report, poor earnings, and a surprise Japanese interest rate increase. A popular institutional trade was to borrow money cheaply in Japan, then use margin to invest in assets that vary in value like tech stocks. When the cost of borrowing increased, so did the capital required to borrow. This created a huge amount of margin calls. The massive selling created panic in the markets. If the economy was strong the market would likely move on from the recent crisis. The excess savings from COVID relief is gone. Consumer household debt has increased 25% in the past 3 years and hit new records. Unemployment has increased in the past four months. These are all signs that predict recession is ahead. There were calls for emergency rate cuts. The Federal Reserve response was "There's nothing in the Fed's mandate that's about making sure the stock market is comfortable." Don't expect a Federal Reserve bailout. Inflation has been above 3% for 39 consecutive months. The Fed is more concerned about inflation than recession. In fact, a recession helps the Fed fight inflation. It is clear volatility has increased and not likely to disappear any time soon. 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.

- A recent CNN study reports 39% of Americans are concerned about paying their bills. In comparison, 37% were concerned about paying bills during the Great Recession in 2008 - 2009. - Household debt has set a new record high. - Credit card debt is at record highs. Banks are bracing for major loan defaults. - 25% of Americans have resorted to skipping meals to avoid high food prices. - The rate of increases of inflation is moderating, but the cumulative impact of several years of inflation has devastated buying power. - The pressure is real. Everything is much more expensive than it was four years ago. This has devastated many household budgets. - The 30,000 foot view is that employment is low, the economy is growing, and people are spending money. - The reality on the ground is moderating inflation does not mean prices are going down. It just means prices are not increasing as fast as they were before. - Primary cause of inflation is excess government spending. - Interest on the debt is estimated to exceed $1.1 Trillion in 2024. - This is equivalent to over 75% of personal income taxes collected. This is the largest revenue item for the federal government. - Homeowners and those who own significant financial assets have done very well the past few years, but this leaves out huge segments of the population. - 3 in 5 Americans believe we are in a recession. - MarketWatch prediction: Stocks will not beat inflation over the next decade - The S&P 500 to the M2 money supply valuation model is the most bearish since 1970. - The M2 money supply Federal Reserve estimate of total money in circulation in the US. 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.

John Burley

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 in 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.

There is no logical explanation that Trump is alive today. If you understand anything about firearms, you understand this. The fact that the shooter missed Trump from 130 yards is nothing short of a miracle. He should be dead today.

The reason I am hopeful is this demonstrates God has not given up on this country. This fact is hard to ignore. Many people have recognized this also. This is the type of thing that can reunite a divided country.

Unfortunately, there are some who refuse to recognize this. Jeremiah 5:21 states "Hear this, you foolish and senseless people, who have eyes but do not see, who have ears but do not hear".

Some Christians can't bring themselves to support Trump because he is flawed. Show me a human who ever lived who is perfect other than Jesus.

God's power is not limited by human imperfection. David committed adultery and murder yet called him "a man after his own heart". God uses flawed people.

A single bee is ignored, but when millions come together, even the bravest run in fear. The government fears the day we stand together.

High Inflation is no longer the only risk to the economy according to Jerome Powell, Federal Reserve Chairman. Unemployment has risen over the past three months.

The "Sahm Rule" says that when the three-month moving average of the jobless rate rises by at least a half-percentage point from its low during the previous 12 months, then a recession has started. This rule would have signaled every recession since 1970.

Unemployment is currently 0.43% higher than it was last year. If unemployment increases another 0.07%, one of the most accurate economic indicators predicting recession will trigger.

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.

This is the best time to invest in high cash value dividend paying policies and annuities in 40+ years due to higher interest rates! 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!

The long term savings rate for Americans is about 4% of annual income. Americans accumulated $2.3 Trillion of excess savings in August 2021 primarily due to government pandemic stimulus. This excess savings has allowed consumer spending to remain strong for the past 3 years. Consumer spending accounts for about two-thirds of Gross Domestic Product (GDP). Consumer spending has been the lone bright spot in the economy and likely has prevented a recession so far. Consumer spending is weakening. Americans' savings are now below pre-pandemic levels. Credit card debt is at record highs. Many Americans are using savings and debt to pay for basic expenses. The American consumer is struggling. This is likely the last straw that will lead to recession.

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.

A high concentration of warning signals suggest a major market correction is ahead. There's nothing magical about these signals, but when dozens of them kick in at the same time, it is time to pay attention. Diversification is always financially wise to reduce risk. It becomes especially important with increased market uncertainty. Your Personal Bank policies are insured, with guarantees, income tax-free, and highly liquid. Annuities can offer up to 8% guaranteed first year and/or double digit gains in good market years with the principle guaranteed. There is no downside market risk. This is the best time in 40+ years due to higher interest rates for annuities and high cash value dividend paying Your Personal Bank policies. Higher for longer interest rates means these products will thrive. Returns will likely continue to increase for the next several years.

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.

In the 1970's, Saudi Arabia agreed to sell their oil exclusively in US currency. In return, the US agreed to protect Saudi Arabia. Recently, Saudi Arabia has decided to not renew the agreement. They will sell their oil in multiple currencies. This is a seismic event economically. It will have massive affects in the short and long-term. This agreement solidified the US dollar as the world's reserve currency. Any country or company that bought oil from Saudi Arabia had to use US dollars. Also, about 80% of world trade is transacted in US currency. This has created a strong demand for US dollars worldwide. For example, it is estimated there are more $100 bills in Russia than the US because of the need to use US currency to purchase oil or trade internationally. The US government has been able to easily sell bonds due to the global reserve currency status. Due to the perceived safety, the interest rates offered on US bonds were lower than bonds from other countries. This has had the affect of keeping interest rates lower in the US. The reduced demand for US dollars will likely have the following economic effects: Interest rates will higher on average in the future than the past 50 years. Goods produced outside the US will cost more. This will increase inflation. The US will have less influence geopolitically due to the weakened reserve currency status. Protect your money. Diversify your portfolio. This is particularly important with increased uncertainty. Reduce market risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. This is the best time to invest in annuities and high cash value insurance in 40+ years. Fixed interest assets are expected to increase for the next 5 -10 years due to higher for longer 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!