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.
Why the Market is Rising While Your Portfolio Value is Declining
Diesel prices have hit record highs recently because Ukraine has been attacking Russian refineries. Russia supplies much of the world's diesel.
Trump buys $6 Billion of diesel from Russia to help US farmers, truckers, and consumers. The left and Europe are upset. Europe has purchased over $375 Billion of Russian oil, gas, and coal in the past 3 years while supporting Ukraine. Europe bought nearly $3 Billion in August 2026. What hypocrites!
Trump also negotiated a ceasefire between Russia and Ukraine energy because it affects the rest of the world. The next day Ukraine broke the deal and attacked Russian oil refineries again.
Many think that leftists and globalists directed Zelensky to defy the agreement brokered by Trump because lower gas prices would help the Republicans in the midterms. Don't fall for the psyop.
Many people have heard about the stock market rising, yet their account statements are showing losses.
S&P 500
- 70% of the rally since March 2026 was driven by 10 stocks
- 85% of the stocks are down 10%+ from their all-time highs
- 59% are down 20%+
- 41% are down 30%+
- 17% are down 50%+
This is a clear sign that most stocks are struggling because of higher interest rates. Higher interest rates are driven by higher long-term bond yields. This is caused by high government debt. This is unlikely to change for years if not decades.
Blackrock has cut US stocks to neutral and turned bullish on Treasuries.
This is the "Golden Era" of fixed assets. This is the best time in 40+ years to invest in index annuities, index universal life, and high cash value whole life.
12 Oct 2026
Long-Term Bond Yields are Hitting Multi-Decade Highs Worldwide due to Record Global Debt
Affordability is still a concern prior to the midterm elections
- Groceries
- 3.9% average annual increase since 1970
- 30%+ increase during Biden administration
- 2.1% average annual increase Trump second term
- people are suffering from the price spike during the Biden administration
- Housing
- Prices at historical high
- Mortgage rates increasing but within normal range
- Dallas Federal Reserve White Paper
- 1% increase in workforce = 1% increase in house and rent prices
- 1% reduction of workforce = 0.96% decrease in house and rent prices
- Deportations, voluntary and otherwise, reduces housing prices
- Fuel
- Crude oil exports thru Strait of Hormuz reached 98% of pre-war levels recently
- Ukraine has been attacking Russian oil refineries recently, Russia supplies much of the world's diesel
- US has not built a major oil refinery since 1977
- California closed four refineries in the past year
Annuity returns are the highest in decades due to record long-term bond yields. This is likely to continue for years.
- Multi-Year Guarantee: 6.45% return guaranteed for 8 years currently available
- Index (Growth) Annuity: 7.67%-15.5% 10-year average annual returns
- Up to 26% bonuses available
- Highest guaranteed lifetime income available in decades
5 Oct 2026
Bond Yields are Accelerating. How this will Affect the Stock and Real Estate Market
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.
Who has been a guest on Your Personal Bank
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Brigham Blackham
RICHARD CLARIDA
Bill Bengan
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YouTube views
1,648
Score snapshot 15 Sept 2025
Apple Podcasts (US)
5.0 / 5
4 ratings
Podcast Authority Score: 63 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
86
Social presence
0
YouTube
68
Engagement
32
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