The 30-year treasury surged to over 5.5%, the highest level since 2004. The 10-year treasury exceeded 5.25%, the highest since 2007. The federal government debt is over $40T and is adding about $2T of debt per year. This is the primary reason why bond yields have been rising since 2022. It will likely continue to increase in the future. Rising bond yields are making equities less attractive. The extra return stocks typically offer over bonds is near multi-decade lows. At the same time the S&P 500 is near all-time highs, yet about half of the stocks are declining. The 10 largest companies account for about 40% of the S&P 500. A few massive companies are making the market look much stronger than many stocks are. The 30-year fixed mortgage hit about 7.5% recently. This increases the cost of a mortgage about 40%. The average cost to buy a house is about $1,000 per month higher than rent. This is the highest on record. These are massive economic changes. Fixed index annuities and high cash value life policies thrive in higher interest rates. They are some of the best financial tools to obtain strong upside gains while eliminating downside market risk. This is the "Golden Era" of fixed assets. We are experiencing the highest returns in decades. This will likely continue.

The 30-year treasury surged to over 5.5%, the highest level since 2004. The 10-year treasury exceeded 5.25%, the highest since 2007. The federal government debt is over $40T and is adding about $2T of debt per year. This is the primary reason why bond yields have been rising since 2022. It will likely continue to increase in the future. Rising bond yields are making equities less attractive. The extra return stocks typically offer over bonds is near multi-decade lows. At the same time the S&P 500 is near all-time highs, yet about half of the stocks are declining. The 10 largest companies account for about 40% of the S&P 500. A few massive companies are making the market look much stronger than many stocks are. The 30-year fixed mortgage hit about 7.5% recently. This increases the cost of a mortgage about 40%. The average cost to buy a house is about $1,000 per month higher than rent. This is the highest on record. These are massive economic changes. Fixed index annuities and high cash value life policies thrive in higher interest rates. They are some of the best financial tools to obtain strong upside gains while eliminating downside market risk. This is the "Golden Era" of fixed assets. We are experiencing the highest returns in decades. This will likely continue.

The 30-year treasury surged to over 5.5%, the highest level since 2004. The 10-year treasury exceeded 5.25%, the highest since 2007. The federal government debt is over $40T and is adding about $2T of debt per year. This is the primary reason why bond yields have been rising since 2022. It will likely continue to increase in the future. Rising bond yields are making equities less attractive. The extra return stocks typically offer over bonds is near multi-decade lows. At the same time the S&amp;P 500 is near all-time highs, yet about half of the stocks are declining. The 10 largest companies account for about 40% of the S&amp;P 500. A few massive companies are making the market look much stronger than many stocks are. The 30-year fixed mortgage hit about 7.5% recently. This increases the cost of a mortgage about 40%. The average cost to buy a house is about $1,000 per month higher than rent. This is the highest on record. These are massive economic changes. Fixed index annuities and high cash value life policies thrive in higher interest rates. They are some of the best financial tools to obtain strong upside gains while eliminating downside market risk. This is the "Golden Era" of fixed assets. We are experiencing the highest returns in decades. This will likely continue.

Bond Yields are Accelerating. How this will Affect the Stock and Real Estate Market

The Federal Reserve recently increased interest rates 0.25% recently. This is the first rate increase since July 2023. The reasons cited were to address stubborn inflation. Inflation is primarily caused by the government spending too much money. This pushes interest rates and long-term bond yields higher. Also, the Federal Reserve signaled there would likely be another rate hike before the end of week. This will increase borrowing costs. The markets reacted negatively. Higher interest rates typically are bad for stocks, the real estate market, and cryptocurrencies. Fixed assets (CD's, bonds, and index products) thrive in a higher interest rate environment. This is the "Golden Age" of fixed assets. Ferenc shares several client examples that have suffered poor performance due to low performing indexes, high fees, caps, and low participation rates. Ferenc explains how he was able to find products that will increase their potential increased returns 3X+ based on the past decade historical returns.

The Federal Reserve recently increased interest rates 0.25% recently. This is the first rate increase since July 2023. The reasons cited were to address stubborn inflation. Inflation is primarily caused by the government spending too much money. This pushes interest rates and long-term bond yields higher. Also, the Federal Reserve signaled there would likely be another rate hike before the end of week. This will increase borrowing costs. The markets reacted negatively. Higher interest rates typically are bad for stocks, the real estate market, and cryptocurrencies. Fixed assets (CD's, bonds, and index products) thrive in a higher interest rate environment. This is the "Golden Age" of fixed assets. Ferenc shares several client examples that have suffered poor performance due to low performing indexes, high fees, caps, and low participation rates. Ferenc explains how he was able to find products that will increase their potential increased returns 3X+ based on the past decade historical returns.

The Federal Reserve recently increased interest rates 0.25% recently. This is the first rate increase since July 2023. The reasons cited were to address stubborn inflation. Inflation is primarily caused by the government spending too much money. This pushes interest rates and long-term bond yields higher. Also, the Federal Reserve signaled there would likely be another rate hike before the end of week. This will increase borrowing costs. The markets reacted negatively. Higher interest rates typically are bad for stocks, the real estate market, and cryptocurrencies. Fixed assets (CD's, bonds, and index products) thrive in a higher interest rate environment. This is the "Golden Age" of fixed assets. Ferenc shares several client examples that have suffered poor performance due to low performing indexes, high fees, caps, and low participation rates. Ferenc explains how he was able to find products that will increase their potential increased returns 3X+ based on the past decade historical returns.

The Federal Reserve Increased Interest Rates / Tripling Client Potential Returns or More

Some Americans are frustrated that affordability has not improved quicker. The US has not built a major oil refinery since 1977. Oil prices have remained high primarily due to limited refining capacity. The Trump administration recently announced the first major oil refinery since 1977. Allowing too many people into our country has created increased prices for food, housing, medical expenses, and nearly every item we purchase. If the immigration crackdown continues, an estimated 15 million foreign-born people will leave the US by the end of president Trump's term. The affordability issues have been created over decades. Fixing these problems takes time. Structural changes this significant typically are a result of bloody revolutions. So far, we have gotten off easy. It is naive to think that enemies of America, the Legacy Media, Globalists, the Uni-Party, Bureaucrats, and Democrats would give up easily. Ferenc shares an extreme client example that had suffered extremely poor performance due to poor indexes, high fees, and low participation rates. Ferenc explains in detail how he was able to find a product that will increase their potential increased returns 10X based on the past decade historical returns.

Some Americans are frustrated that affordability has not improved quicker. The US has not built a major oil refinery since 1977. Oil prices have remained high primarily due to limited refining capacity. The Trump administration recently announced the first major oil refinery since 1977. Allowing too many people into our country has created increased prices for food, housing, medical expenses, and nearly every item we purchase. If the immigration crackdown continues, an estimated 15 million foreign-born people will leave the US by the end of president Trump's term. The affordability issues have been created over decades. Fixing these problems takes time. Structural changes this significant typically are a result of bloody revolutions. So far, we have gotten off easy. It is naive to think that enemies of America, the Legacy Media, Globalists, the Uni-Party, Bureaucrats, and Democrats would give up easily. Ferenc shares an extreme client example that had suffered extremely poor performance due to poor indexes, high fees, and low participation rates. Ferenc explains in detail how he was able to find a product that will increase their potential increased returns 10X based on the past decade historical returns.

Some Americans are frustrated that affordability has not improved quicker. The US has not built a major oil refinery since 1977. Oil prices have remained high primarily due to limited refining capacity. The Trump administration recently announced the first major oil refinery since 1977. Allowing too many people into our country has created increased prices for food, housing, medical expenses, and nearly every item we purchase. If the immigration crackdown continues, an estimated 15 million foreign-born people will leave the US by the end of president Trump's term. The affordability issues have been created over decades. Fixing these problems takes time. Structural changes this significant typically are a result of bloody revolutions. So far, we have gotten off easy. It is naive to think that enemies of America, the Legacy Media, Globalists, the Uni-Party, Bureaucrats, and Democrats would give up easily. Ferenc shares an extreme client example that had suffered extremely poor performance due to poor indexes, high fees, and low participation rates. Ferenc explains in detail how he was able to find a product that will increase their potential increased returns 10X based on the past decade historical returns.

Affordability Challenges / An Extreme Client Example: 10X Potential Increased Returns without Market Risk

How Financial Suspicious Activity Reports at the Highest Levels of Government Affect Our Economy"

How Financial Suspicious Activity Reports at the Highest Levels of Government Affect Our Economy"

How Financial Suspicious&nbsp;Activity Reports at the Highest Levels of Government Affect Our Economy"

7 9 22 -  How Financial Suspicious Activity Reports at the Highest Levels of Government Affect Our Economy"

7.5.22 - Your Personal Bank - What to Expect with Increasing Interest Rates

7.5.22 - Your Personal Bank - What to Expect with Increasing Interest Rates

7.3.22 - The Supreme Court Restricts the Federal Bureaucracy, What This Means for Our Freedom

7.3.22 - The Supreme Court Restricts the Federal Bureaucracy, What This Means for Our Freedom

6.28.22 - 3 Landmark Supreme Court Decisions - How They Will Affect Our Freedoms

6.28.22 - 3 Landmark Supreme Court Decisions - How They Will Affect Our Freedoms

6.21.22 - How Higher Interest Rates Affect Positive Arbitrage with Your Personal Bank

6.21.22 - How Higher Interest Rates Affect Positive Arbitrage with Your Personal Bank

6.19.22 - Will the Increased Interest Rates Reduce Inflation?

Laine Schoneberger Managing Partner & Chief Investment Officer Laine has 25 years’ experience in the financial services industry. Laine sold his first business entering the family-owned financial services business in 1995. After growing the company significantly, he elected to retire in 2017 and focus his efforts on Yrefy as a Founding Partner and the Chief Investment Officer. Through an initial Regulation D “friends and family” offering, Yrefy found its footing and the company was launched (as of 1/1/2021, this offering is still open and available). Since 2017, Laine and his team have raised nearly $15M in investment capital through several Regulation D Private Placement Offers for Yrefy Student Loan Portfolios (SLP’s).

Laine Schoneberger Managing Partner & Chief Investment Officer Laine has 25 years’ experience in the financial services industry. Laine sold his first business entering the family-owned financial services business in 1995. After growing the company significantly, he elected to retire in 2017 and focus his efforts on Yrefy as a Founding Partner and the Chief Investment Officer. Through an initial Regulation D “friends and family” offering, Yrefy found its footing and the company was launched (as of 1/1/2021, this offering is still open and available). Since 2017, Laine and his team have raised nearly $15M in investment capital through several Regulation D Private Placement Offers for Yrefy Student Loan Portfolios (SLP’s).

Laine Schoneberger Managing Partner &amp; Chief Investment Officer Laine has 25 years’ experience in the financial services industry. Laine sold his first business entering the family-owned financial services business in 1995. After growing the company significantly, he elected to retire in 2017 and focus his efforts on Yrefy as a Founding Partner and the Chief Investment Officer. Through an initial Regulation D “friends and family” offering, Yrefy found its footing and the company was launched (as of 1/1/2021, this offering is still open and available). Since 2017, Laine and his team have raised nearly $15M in investment capital through several Regulation D Private Placement Offers for Yrefy Student Loan Portfolios (SLP’s).

6.14.22 - Yrefy – Private Student Loan Investment

6.12.22 - 3 Options to Invest During High Inflation with Strong Returns and Safety

6.12.22 - 3 Options to Invest During High Inflation with Strong Returns and Safety

6.5.22 - More Excuses from Our Government & How It Will Affect Our Economy

6.5.22 - More Excuses from Our Government &amp; How It Will Affect Our Economy

5.31.22 - Why the Second Amendment is Key to Our Freedoms, Including Economic Freedom

5.31.22 - Why the Second Amendment is Key to Our Freedoms, Including Economic Freedom

Host Ferenc Toth will discuss how in the weekly show - how to think like a banker versus an investor. Your Personal Bank is a powerful financial tool used by the wealthy for centuries. Everything we are experiencing in life, change seems daily.  Technology. The way we Shop. With all the change in our lives, why are approaching our investments, our finances the same way we have always? The Show that can change your financial life.
Contact: (866) 515-6280, ferenc@yourpersonalbank.com, Or Online at yourpersonalbank.com.

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Host Ferenc Toth will discuss how in the weekly show - how to think like a banker versus an investor. Your Personal Bank is a powerful financial tool used by the wealthy for centuries. Everything we are experiencing in life, change seems daily. Technology. The way we Shop. With all the change in our lives, why are approaching our investments, our finances the same way we have always? The Show that can change your financial life. Contact: (866) 515-6280, ferenc@yourpersonalbank.com, Or Online at yourpersonalbank.com.

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