Ferenc Toth is founder of Your Personal Bank TM. He is passionate about helping people gain control of their money, create tax-favored income, and having access to more funds over their lifetime! Ferenc is a voice for common sense. He cuts through the noise to help us understand how current events affect our money.
Kip and Lora Brown used Your Personal Bank to enhance their real estate investment business and allow Kip to retire from his corporate IT career early.
Kip and Lora share their story and now help others achieve their goals as life coaches.
Kip is a successful IT Professional. He traveled across the world making millions for the businesses he worked for.
He discovered that his dedication and hard work providing a life for his family kept him from spending the time he wanted to with them. He wanted his TIME BACK! How best to accomplish that?
He will say he found the right path by listening to his wife, Lora, and investing in real estate. Discovering powerful tax savings strategies, infinite banking, self-directing his retirement and different ways to become debt free inspired him to share with others so they too can beat the rat race.
Today, Kip is passionate about helping other professionals see how they can build true wealth through real estate and business ownership. Creating the time freedom and true wealth that creates generational legacies for their families. Mastering the art of communication is the first step towards your freedom, let me help you!
Lora started introducing herself as a married single mother of 3. She closed her photography business to raise her 3 children and manage the household as her husband, Kip, focused on his work which took him all over the world.
She came from a long line of creative influences. She desired to start her own business. She wanted real estate to be her canvas.
Her husband told her that they did not know enough to succeed. That was a challenge. She went on a mission to “know enough”! Her determination and desire to design her own future, and that of her family, led her to the knowledge & helped her make it happen!
Today, Lora is a passionate advocate for women and families looking for a better way. Learning the financial literacy, business and investing strategies to Design a brighter future is how she created her success. Sensational Design for Sensational People became her mission. Now she wants to help you design and create yours!
There is likely significant uncertainty and volatility ahead.
Reduce your market risk. Reduce your future tax liability. Increase liquidity. Create positive cash flow on your money.
The good news is this is the best time in 42 years to invest in an annuity or high cash value Your Personal Bank insurance policy. This is a generational opportunity to take advantage of higher returns on insured assets with guarantees.
Dividend rates are clearly on an upward trend due to higher interest rates than the past decade. Even if the Federal Reserve continues to lower rates from their current level, no one expects them to lower to the near zero levels of most of the past decade.
Insurance companies invest heavily in bonds. The bonds they have been purchasing for the last couple of years are far more profitable than the bonds they purchased most of the past decade. This is expected to continue for the next 3-5 years if not longer.
At the same time, borrowing rates are clearly on the decline. If the Federal Reserve lowers interest rates another 2% as they project over the next year or so, positive arbitrage will increase.
Dividend rates are currently about 6% and are expected to increase to about 7% over the next few years.
Borrowing rates using Your Personal Bank policies as collateral are currently about 5-6% and are expected to decrease to about 4-5% in the next year or so.
If you are earning 6-7% dividends on your money, then are charged 4-5% when you borrow, what is your money doing?
You still would gain 2-3% annually on money you accessed to invest in an asset, purchase an item, or pay off an expense.
This is the power of Your Personal Bank!
Please contact me with any questions.