Your Personal Bank

The Federal Housing Administration (FHA) recently disclosed that they provided zero down mortgages to H-1B visa holders and other non-citizens during the Biden administration. The Trump administration shut this down in June 2025. FHA used programs designed to help low income US citizens purchase a home. Hard working Americans were getting screwed twice. 1. US taxpayers were funding homes for non-citizens. 2. US citizens were competing to purchase homes at a disadvantage. a. The non-citizen did not have to contribute a down payment to purchase a home. b. The citizen had to contribute a 10-20% down payment typically to purchase the same home. This drove up housing prices, particularly in areas with high numbers of H-1B visa holders. One of the best index (growth) annuity products has become available in my 27 year career! - Multiple indexes with 9-11% average annual return indexes the past 10 -20 years. - No downside market risk. Principle is guaranteed. - Once gains are locked in, gains are also guaranteed against market loss. - Can lock in gains at any time. - A+ rated company. Contact Ferenc for more info: [email protected] yourpersonalbank.com 866-268-4422

The S&P 500 has increased about 16% in the past month to a new all-time high. The earnings have been strong. The recent unemployment numbers are phenomenal! The economy is showing signs of strength, yet significant volatility remains. Nearly every market measurement is at extreme high levels. Risk is highest at extreme levels. Berkshire Hathaway cash is at an all-time high and has sold stock the past 8 quarters in a row. Oil prices have swung down and back up about 10% in hours recently from news in the Middle East. 60 - 80% of Americans cannot afford the median house in their state. Personal savings rates are the lowest levels since 2008. The auto loan crisis continues to increase. About 30% of car buyers who traded in their cars had negative equity. US Dollar offshore deposits have hit an all-time high. International demand for the US Dollar remains strong. The US Dollar as the world reserve currency is strong and strengthening further. Long-term bond yields remain high and are likely to continue due to historic federal government debt. This creates an opportunity. This is the "Golden Era" of fixed assets. This is the best time in 40+ years to consider an Index (Growth) Annuity, Index Universal Life (IUL), or Dividend-Paying Life policy.

The US Supreme Court ruled that states can no longer use race to draw congressional districts. 20-30 house seats are represented by districts drawn to represent minorities. The court ruled this violated the Equal Protection Clause and the civil rights of the majority of voters. Democrats have benefited for decades with these congressional districts. This is a massive change in political power that will likely benefit the Republicans for decades. The Virginia Supreme Court stopped the new district map that would have likely changed Virginia's house representation from 6 democrats and 5 republicans to 10 democrats and 1 republican. Virginia is a purple state. They had a very popular republican governor a few months ago. Kamala Harris won Virginia by about 5% in 2024. The ballot initiative barely passed. 51% of voters would have disenfranchised 49% of voters. Florida recently passed a redistrict effort that will likely increase republican representation by about 4 seats. Florida's redistricting would have off-set Virginia. Millions have moved to Florida since the last Census. Florida had a reason to redistrict other than purely political power, unlike Virginia. Both parties gerrymander. The democrats have been far more aggressive for decades. The 6 New England states average 42% republican voters. Due to gerrymandering, New England has zero Republican House representatives. New England Republicans have no representation in the US House of Representatives. LINK: Annuities Improve Outcomes Paper - JP Morgan

Two things have caused me to be concerned about conditions that could lead to the Next Civil War. Hope it does not happen. Not encouraging violence. Using common sense, historical insight, human behavior. 1.Virginia redistricting - Everyone gerrymanders - 51% disenfranchised 49% of voters in VA - New England averages 42% republicans, yet only one republican out of 33 House districts - New Mexico: 46% republican, but no republican representatives - No taxation without representation primary cause of Revolutionary War - Disenfranchised voters become disillusioned, frustrated, or worse 2. Democrat action plan - Obama: recent donor meeting promised one party rule by 2029 - James Carville: former Clinton advisor - Recommend if Democrats win House, Senate, and President: - Make DC and Puerto Rico states to add 4 Senators - Stack the Supreme Court - Purpose: long-term one party rule - "Let them eat our dust" Permanent one party rule - Antithesis of Constitution and Representative Republic - Defies 250 years of tradition - Fight for the soul of the nation Solution: States Rights - States are republics - States created federal republic, not the other way around - If states become disenfranchised by stacked Senate and packed Supreme Court, may stop federal overreach If Democrats succeed with one-party rule think California economy - The battle will be chaotic - Uncertainty creates volatility One type of financial company has thrived in all economies long-term - Several companies have paid dividends every year before the Civil War - Ferenc shares info on products that have thrived long-term Contact Ferenc at ferenc@yourpersonalbank or 866-268-4422 for more info.

The US controls Venezuelan oil and has blockaded Iranian oil. The US has blockaded the Strait of Hormuz. About 50% of China's oil came through this strait. The US has established a security agreement with the Indonesia. About 80% of China's oil travels through Indonesian Straits. The US has eliminated the cheap oil to China from Iran and Venezuela. The US controls the shipping lanes for about 80% of China's oil supplies. These actions weakens the BRICS. The world runs on oil. Control of the majority of the world's oil supply ensures oil is purchased with US dollars. The petrodollar insures dominance of the US dollar as the world's reserve currency.

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!

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 [email protected] or 268-268-4422 to find the best index annuity product available for your situation.

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.

The government is not serving its purpose when it is not protecting and benefiting its citizens. When it actively prioritizes anyone over citizens, those policies need to be changed. If the government makes citizens' lives more difficult, challenging, or less safe, anyone involved needs to be replaced. Housing has never been more unaffordable. - Government contributed to the problem by spending too much. - Excess government spending increased inflation. - 49% of Americans are struggling to pay their rent or mortgage. - The government allowed too many people into the country. This is stressing housing supply. The labor market is weakening - A record 100+ million working-age adults are not working in the US according to the Federal Reserve. - Amazon received 10,000+ H-1B visa approvals and fired 14,000 American citizens in 2025. - US companies often pay foreign born workers 20-35% less than US citizens. Some work visas don't require companies to pay employment taxes. - A majority of recent STEM college graduates have been unable to find jobs in their field. - A weak labor market can lead to recession. DOGE, Nick Shirley, and others have uncovered staggering amounts of government-related fraud. - Every dollar stolen from Medicare results in less for a sick child. Money stolen from Social Security risks low-income seniors. - Anyone who really cared about the poor or elderly would be the loudest against fraud. - Instead, Elon Musk and Nick Shirley have been attacked by leftists and Democrats. - Who is benefitting from the fraud? Those who are defending the fraud by attacking anyone who exposes it. Government fraud threatens our society - Western civilization is founded on the rule of law. - We elect representatives to create and enforce the laws. - When people in government favor non-citizens to gain and maintain power, citizens feel used and abused. - When foreigners who barely speak English, don't assimilate, and often hate us yet are diving expensive cars, buying beautiful homes, and clearly scamming the system, it creates anger. - If you work hard, pay your taxes, play by the rules and are barely getting by, you feel like a fool. - If enough people start feeling this way, society will unravel rapidly.

Initially I was against the Iran War. I realized it was a knee-jerk reaction to forever wars.

Below are the reasons why gradually have come to support it.

1. Trump is different than previous presidents.

2. Iran is the #1 sponsor of terrorism in the world

3. This is about China and oil, not just Iran. China's primary allies for oil was Venezuela and Iran. Wars need oil. This weakens China militarily.

4. Strengthens dollar as world reserve currency and weakens the BRICS currency. Without access to Venezuelan and Iranian oil, China is forced to purchase oil in US dollars.

5. Demonstrates US strength. US military and technology is impressive. This discourages bad actors. "Speak softly and carry a big stick" Teddy Roosevelt.

6. Good for the US. It is America First. This sets up the US for global economic and military dominance.