Your Personal Bank

Listen to Previous Radio Shows Below

Download the Your Personal Bank App

The USPS Will Require Bar Codes to Track Mail-In Ballots/Clients Frustrated with Financial Advisors/Agents Not Listening to Them

Aug 31, 2026

The US Supreme Court has allowed the United States Postal Service to require unique bar codes on mail-in ballots.

Ballots will be tracked similar to packages. This eliminates duplicate ballots and will greatly reduce fraudulent ballots.

The USPS does not determine voter eligibility or decides who receives a ballot. They...

Illegal Aliens are an Economic Issue/The Importance of Participation Rates to Accelerate Returns on Index Products

Aug 24, 2026

In the early 70's, there were about 4 million SNAP recipients, or about 1/50 Americans. In 2026, there are nearly 40 million SNAP recipients, or about 1/9 Americans. Government statistics show over half or illegal aliens. Another third are non-citizens. Less than 20% of SNAP recipients are US citizens.

The...

The Stock Market and Bond Markets are Hitting Historical Records. Both Cannot Continue Long Term. Which Will Break Down First?

Aug 17, 2026

The S&P 500 recently hit a new all time high. The index has doubled since 2023.

The 30-year treasury recently exceeded 5%, the highest level since 2007. The bond yield has been increasing since 2020.

The stock market has been led by a few tech companies. Stock prices are driven by sentiment. Sentiment can change...

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

Aug 10, 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...

Is it Time to Refinance Your Annuity?

Aug 3, 2026

Index Annuity Poor Performance Reasons

1. Caps and other limits

2. Indexes with historical low returns

3. Low interest rates when purchased (2022 or earlier)

Who should contact me:

1. Own or considering annuity with caps (less than 10% annual caps)

2. Suffering low returns (likely...