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Fuel Prices, American Jobs, and Your Financial Future

Sep 28, 2026

Why are fuel prices still climbing, and who's really responsible? On this week's Your Personal Bank Show, Ference Toth digs into the hidden factors driving diesel and gas prices higher, from refinery shutdowns to energy policy decisions. He also breaks down major changes to H-1B visa programs and what they could mean...

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

Sep 21, 2026

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...

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

Sep 14, 2026

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...

The Best Time in 40+ Years to Consider an Annuity or Transfer Your Annuity

Sep 7, 2026

This is the Golden Era of Fixed Assets

Best index and income annuities available in my 27-year career!

- Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years

- Up to 27% signing bonuses are available up to age 89 in most states.

- Highest guaranteed lifetime...