Your Personal Bank

The government changed how it measures the Consumer Price Index (CPI) to make it appear inflation is less severe than it actually is. If CPI was measured using pre-1983 methods, 2022 is estimated to be 18%. 2023 inflation (CPI) was 9% according to the Bureau of Economic Analysis. These numbers are supported by a 25% increase in food costs since January 2020, source US Labor Department. Zillow states the income required to purchase the average home 4 years ago was $59,000. Today, the income required to purchase the average home is $109,000. If you were an average income earner and increased your income $10,000 per year over the past 4 years, you increased your income more than most people. Unfortunately, you did not improve your financial situation regarding housing costs. Sadly, home ownership has slipped away for many Americans. When the federal government spends more than it receives through tax revenues, it prints the extra dollars. This increases the amount of currency in circulation. Extra dollars chasing products and services increases prices. This is the cause of inflation. The US government is expected to spend $2.5 trillion more than it will receive in tax revenues in fiscal year 2023. As long as the federal government continues to spend more than it receives, inflation and interest rates will be pushed higher. This is the reason the Federal Reserve has stated to "expect higher for longer" regarding interest rates. The federal government fiscal irresponsibility creates opportunity. Insurance company dividends are highly interest rate sensitive. Interest rates and dividends are expected to increase over the next 5 -10 years. Your Personal Bank allows you to grow your money insured, with guarantees, tax-free, and likely increasing returns over 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. When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending. The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

The US has Lost 2 Million Full-Time Jobs in the Past 8 Months and Wage Growth is Slowing Show Description: Consumer spending has been the lone bright spot in the economy. Consumer spending accounts for about 2/3 of Gross Domestic Product (GDP). The unprecedented amount of government stimulus has supported consumer spending. The excess money in the system takes time to percolate through the economy. It is running out for many people. Also, the US has lost 2 million jobs in the past 8 months. If unemployment increases, we will likely experience a recession. 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. When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending. The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility.

Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

Many Americans are unaware that the US Census counts all people, including Illegal Immigrants. Population determines the number of House seats for each state. This also determines Electoral College votes for President. Based on the 2020 Census, it is estimated illegal immigrants account for about 20 House seats, mostly from Democrat states. Several Democratic states have lost House seats due to population loss. Sanctuary cities create a magnet for illegal immigrants. If they had not been counted, Democratic states would have lost more House seats. This is the reason Democrats support open borders and illegal immigration. Even if illegal immigrants do not vote, Democrats are receiving about 20 extra House seats and about 5% of the Electoral College. This dilutes the vote of US citizens. Millions of illegal immigrants have entered the country since 2020. If they are counted in the next Census, Democratic states will receive more House seats and Electoral College votes. Political power affects our country, our society, and our money. Unless the border is closed and illegal immigrants are deported, political power will be skewed heavily to the Democrat party for decades. 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 can help you accomplish all of the above and create positive cash flow on money you invest or spend.

Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

John Burley is one of the most experienced real estate experts, educators, and is a private equity founder in the US. 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. Your Personal Bank can help you enhance real estate investing. You can lower your cost of borrowing. You can also operate similar to a bank and earn positive cash flow on your money. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

Laken Riley went on a run around Lake Herrick in Athens, Ga. and never came back. The 22-year-old nursing student died of blunt-force trauma after her innocent jog allegedly crossed paths with Jose Antonio Ibarra, 26, whom police say killed her in a "crime of opportunity."

The Atlanta Journal-Constitution referred to Ibarra as an "Athens man," instead of a violent Venezuelan illegal immigrant. ICE officials confirmed he was arrested twice. Once in Texas and "paroled". His second arrest was in New York City, but sanctuary laws freed him.

Laken Riley is not an isolated case. This is happening nearly every day in America.

HIAS is a Jewish American non profit organization that provides humanitarian aid and assistance to refugees. They support open borders. HIAS has been documented giving maps to illegal aliens in Panamanian migrant camps with instructions on how to get to the US illegally.

HIAS 2022 annual report includes donations of $59 million from the US State Department and $29 million from the US Department of Health and Human Services.

Why is the US government sending US taxpayers money to non-government organizations that facilitate illegal immigration? Our tax money is literally funding illegal activity and encouraging illegal immigration. Is this a good use of your hard-earned money?

Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates.

Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

The Biden administration announced forgiving another $1.2 billion in student debt. This is after the US Supreme Court ruled last year that the president cannot forgive student loan debt. When referring to student loan forgiveness Biden stated "The Supreme Court blocked it. But that didn't stop me" The executive branch is trampling and ignoring another co-equal branch of government, the US Supreme Court. Every president since George Washington has taken an oath to "protect and defend the Constitution". Biden lied. This is an impeachable offence. The Biden administration has cancelled about $138 billion in student debt for about 3.9 million borrowers through more than two dozen executive actions. 1. Student loan forgiveness through executive order is unconstitutional. 2. The debt will be paid by the taxpayer. Why should someone who paid off their student loans, or never took a loan, or attended college have to pay off someone else's loan? 3. Much of the student loan forgiveness has been directed to groups who vote heavily democrat. This is taxpayer funded politically-motivated vote buying. Where does the money come from to forgive student loans? Your tax dollars. The government has no money. Governments get money from taxpayers and by printing more money. This creates inflation. Everyone pays more for goods due to inflation. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

Illegal immigrants don't have to pay taxes, but you do. Many illegal immigrants don't have to pay for housing, but you do. Many illegal immigrants don't have to pay for housing, but you do. Many illegal immigrants don't have to pay for food, but you do. Many illegal immigrants don't have to pay for health care, but you do. How is this fair to US citizens? Where does the money come from for all the benefits currently being given to illegal immigrants? Your tax dollars. The government has no money. Governments get money from taxpayers and by printing more money. This creates inflation. Everyone pays more for goods due to inflation. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

Contact me at [email protected] if you want info on how to thrive financially in 2024.

The farmer protests in Europe should become a wake-up call. The European Union's nature restoration law, was attempting to set legally binding "Green New Deal" style targets to restore at least 20% of the EU's land and sea areas by 2030. Europe is dealing with increasing food prices. Taking agricultural land out of productive use reduces food production. One of the most basic human needs is food. It hurts people and the economy. It hurts lower income the most. This makes no logical sense. Farmers are conservationists. They want their land to remain productive. It is how they make their living and take care of their families. Farmers don't need unelected bureaucrats, most with no farming experience, telling them how to do their jobs. This is a common thread with government. Do you want government bureaucrats telling you how to do your job or run your business? No. That is ridiculous. What government leaders, both elected and unelected, need to understand is that the American people don't want them to do anything except keep our country safe and secure. Do their job and stay out of our lives. We just want them to leave us alone! The only way they will learn this lesson is for us to vote them out. We need to replace them with representatives that will represent us, not themselves or their own agenda. I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters. Market risk will likely be higher. - Market risk will likely be higher. Protect your money. Reduce your market risk. Diversify. Have some guaranteed assets. - The government will be pressured to increase revenues as debt increases. Raising taxes is one method. Create a tax-free bucket of money. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

Contact me at [email protected] if you want info on how to thrive financially in 2024.

The border stand-off between the state of Texas and the Federal Government is the most significant Constitutional issue since the Civil War. The States created the Federal Government, not the other way around. If the states ever thought they would not be able to protect themselves from invasion if the Federal Government failed to do so, they would never have ratified the Constitution and joined the United States. The Constitution was written to limit the power of the Federal Government. The problem is that the Federal Government has gradually gained more power for the past 100+ years. This has encroached on the states and individuals rights. Texas standing up for their Constitutional rights could become the beginning of a shift of rights back to the states. No one recommends investing all your money in one stock. that would be too risky. Why would you put all your eggs in one basket? Diversification of policies from 50 states would be great for innovation. This would also create competition between the states. The best ideas would be copied by multiple states. If there were different policies, you could move to a state that fit your belief system. This is what the founders intended. Diversifying power to 50 states would be great for our economy and our freedom. This could be a renaissance of freedom. A 1776 moment. I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters. Market risk will likely be higher. - Market risk will likely be higher. Protect your money. Reduce your market risk. Diversify. Have some guaranteed assets. - The government will be pressured to increase revenues as debt increases. Raising taxes is one method. Create a tax-free bucket of money. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

Contact me at [email protected] if you want info on how to thrive financially in 2024.

The border crisis has created the greatest Constitutional crisis since the Civil War. Texas installed razor wire to reduce illegal immigrants crossing the southern border. The Biden administration sued the State of Texas to remove the razor wire. Incredibly, the Supreme Court in a 5-4 decision sided with Biden administration. This is despite Article 4, Section 4 of the Constitution states "The United States shall guarantee to every State...and shall protect each of them against Invasion...and domestic Violence." Article I, Section 10 acknowledges "the States' sovereign interest in protecting their borders." This was confirmed by Arizona v. United States, 567 U.S. 387, 419 (2012). Texas Governor Greg Abbott has vowed to continue protecting is state from illegal immigration. He also wrote an amazing letter to the Federal government stating "The federal government has broken the compact between the United States and the States." He references Constitutional rights of the states and the intention of James Madison, Alexander Hamilton, and other founders. This is the Constitutional method to take back and protect our freedoms. My hope and prayer is that Governor Abbott stands firm and protects his state. Other republican governors should join in support. States need to take back their Constitutional rights. Americans who believe in the Constitution should help Governor Abbott in every possible way. This is encouraging. It could be the beginning of a renaissance of freedom. This could be a 1776 moment for our country. The Supreme Court has been wrong before. The Dred Scott decision is a famous example. This was a Supreme Court decision that stated Dred Scott, a former slave, who had resided in a free state and territory where slavery was prohibited was not entitled to his freedom. The states created the federal government. The Constitution was written to limit federal power. Our federal government has expanded far beyond the intention of our founders. I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters. Market risk will likely be higher. - Market risk will likely be higher. Protect your money. Reduce your market risk. Diversify. Have some guaranteed assets. - The government will be pressured to increase revenues as debt increases. Raising taxes is one method. Create a tax-free bucket of money. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

Contact me at [email protected] if you want info on how to thrive financially in 2024.