Episodes

  • Our Country is at a Turning Point Due to the Charlie Kirk Assassination

    Our Country is at a Turning Point Due to the Charlie Kirk Assassination
    Sep 16 2025
    Charlie Kirk was assassinated. He is a martyr. He was murdered in cold blood because someone disagreed with his ideas. Charlie was killed because he was effective. This proves the enemy was scared of him. Charlie threatened the left's power. Our country is at a turning point. We either encourage debate or we go in a really dark direction. Charlie Kirk stated the reason he debated those who disagreed with him is when people stop talking, they resort to violence. Our country has been here before. When the South's representatives stopped talking and resigned their positions, that is when the shooting started.

    If you attack people's character instead of their ideas, you are part of the problem, not part of the solution. Be the solution. That is the only way forward.

    See omnystudio.com/listener for privacy information.
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    51 mins
  • The Short and Long Term Risks of the Current Stock Market and Economy

    The Short and Long Term Risks of the Current Stock Market and Economy
    Sep 9 2025
    Ferenc shares the short and long term risks to the current stock market and the overall economy. Short-term: - AI Bubble - Extreme valuations (all-time highs) - Extreme concentration in a few tech stocks - Nvidia: about half of sales from only 3 companies Long-term: - Higher bond yields caused by government debt and stubborn inflation - Increased borrowing costs - Generally bad for stock and real estate valuations

    How do you take advantage of future potential upside while protecting your downside?

    Annuities offer unlimited upside potential while guaranteeing the principle against loss.

    - This is the "Golden Era" of fixed assets. The best rates in 40+ years, insured with guarantees.

    - If you own an annuity 2+ years old, I strongly recommend comparing to the newer more profitable products.

    - Many of my clients are earning 2-10x increased returns annually than their previous annuity products!

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    See omnystudio.com/listener for privacy information.
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    51 mins
  • Is the AI Bubble Starting to Burst?

    Is the AI Bubble Starting to Burst?
    Sep 2 2025
    Ferenc discusses the parallels between the current tech stock market bubble and the dot-com era, emphasizing the risks of overvaluation and potential corrections. He recounts a listener's 100% return on tech stocks and warns of the dangers of not locking in gains. Ferenc highlights the MIT study showing 95% of companies saw no return on AI investments, and the potential for a severe market correction. He also addresses the Federal Reserve's new inflation target and the implications for interest rates. Ferenc advises on risk management strategies, including annuities and cash value insurance, to protect against market downturns. Issues & Risks
    • • AI stocks may be in a bubble, similar to the dot-com era.
    • • According to a MIT study 95% of companies investing in AI have seen no financial benefit.
    • • Tech stocks account for 46% of S&P 500, higher than dot-com peak.
    • • Margin debt has surged to an all-time record of over a trillion dollars.
    • • Heavy truck index, a recession indicator, is going down strongly.
    • • Nvidia's valuation is now triple the entire energy sector.
    • • A third of the US economy is in recession or at high risk.

    How do you take advantage of future potential upside while protecting your downside?

    Annuities offer unlimited upside potential while guaranteeing the principle against loss.

    - This is the "Golden Era" of fixed assets. The best rates in 40+ years, insured with guarantees.

    - If you own an annuity 2+ years old, I strongly recommend comparing to the newer more profitable products.

    - Many of my clients are earning 2-10x increased returns annually than their previous annuity products!

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    47 mins
  • Is the AI Bubble Starting to Burst?

    Is the AI Bubble Starting to Burst?
    Aug 26 2025
    A recent MIT study found that 95% of companies have received no benefit from generative Artificial Intelligence (AI). Sam Altman, CEO of OpenAI, recently warned of an AI bubble. Altman compared the current AI frenzy and the 1990's dotcom bubble when company valuations spike dramatically before crashing. The poster child of the dotcom craze was Pets.com. It was backed by Amazon. Pets.com reached a valuation of $410 million before going bankrupt about a year later. CoreWeave is an AI company backed by Nvidia. After the MIT study, its stock dropped 33%. CoreWeave's peak valuation was 60x times larger than Pets.com at it's peak. This is the reason Sam Altman stated that "Someone is going to lose a phenomenal amount of money" and "When bubbles happen, smart people get overexcited about a kernel of truth". Sam Altman and most tech experts still believe AI will transform the economy in the future. The problem is AI is currently limited by the shortage of GPU's. Sam Altman stated "We have better models, but we can't offer them because we don't have the supply." Sam Altman also stated that "trillions of dollars" will have to be invested in infrastructure to scale AI to advance further. An AI search uses about 10x the computing power of a typical Google search. This information has caused concern for investors. I believe that AI will make a significant positive on the economy, but it may take much longer than many investors expect. With historically high valuations, stock prices may suffer a significant correction before AI can really make a difference. Is this the beginning of the AI bubble starting to burst? We will know soon.

    How do you take advantage of future potential upside while protecting your downside?

    Annuities offer unlimited upside potential while guaranteeing the principle against loss.

    - This is the "Golden Era" of fixed assets. The best rates in 40+ years, insured with guarantees.

    - If you own an annuity 2+ years old, I strongly recommend comparing to the newer more profitable products.

    - Many of my clients are earning 2-10x increased returns annually than their previous annuity products!

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 17+% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    46 mins
  • The S&P500 has Hit the Highest Valuations in History!

    The S&P500 has Hit the Highest Valuations in History!
    Aug 19 2025

    See omnystudio.com/listener for privacy information.
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    52 mins
  • The Buffet Indicator Has Hit 2x Standard Deviation for the 3rd Time Since 1950

    The Buffet Indicator Has Hit 2x Standard Deviation for the 3rd Time Since 1950
    Aug 12 2025
    The Buffett Indicator is a measure of the total market capitalization of publicly traded companies to the Gross Domestic Product (GDP). Warren Buffett called it "probably the best single measure of where valuations stand at any given moment". The Buffett Indicator has hit 2 times standard deviation for the 3rd time since 1950. Two times standard deviation is double the average value. This means the overall stock market is double the average value. Previously, the Buffett Indicator hit this level in 1969 and 2000. Both times the stock market had significant downside corrections (about 50%). This indicator is worth paying attention to. It demonstrates that the stock market is significantly over-valued. Downside market risk is elevated.

    How do you take advantage of future potential upside while protecting your downside?

    Annuities offer unlimited upside potential while guaranteeing the principle against loss.

    - This is the "Golden Era" of fixed assets. The best rates in 40+ years, insured with guarantees.

    - If you own an annuity 2+ years old, I strongly recommend comparing to the newer more profitable products.

    - Many of my clients are earning 2-10x increased returns annually than their previous annuity products!

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 17+% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    47 mins
  • The Trade Deals Give Reasons for Optimism Yet the Transition will Likely Create Volatility

    The Trade Deals Give Reasons for Optimism Yet the Transition will Likely Create Volatility
    Aug 5 2025
    Trump has Announced Several Astounding Trade Deals The terms on the recent trade deals are very favorable for the United States.

    - Japan: 15% tariff, no tariff for US products, $550 billion joint-venture investment, 90% profit to US.

    - South Korea: 15% tariff, no tariff for US products, open market to US, $350 billion investment in US.

    - European Union: 15% tariff, no tariff for US products, $750 billion US energy purchase, $650 billion investment in the US.

    The investments in the United States were negotiated to "buy down" the tariff rate.

    Total investments pledged are about $15 trillion so far. This is almost double the valuation of every Silicon Valley company combined.

    The estimated tariff revenue for 2025 is about $700 billion.

    These are massive numbers. This will have a huge impact on the US economy in the next few years. The upside potential is huge.

    This is one of the largest infrastructure projects in history. Similar to many building projects, there could be challenges and delays. This could cause significant volatility.

    How do you take advantage of the strong potential upside while protecting your downside?

    Annuities offer unlimited upside potential while guaranteeing the principle against loss.

    - This is the "Golden Era" of fixed assets. The best rates in 40+ years, insured with guarantees.

    - If you own an annuity 2+ years old, I strongly recommend comparing to the newer more profitable products.

    - Many of my clients are earning 2-10x increased returns annually than their previous annuity products!

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 17+% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    54 mins
  • There are Significant Tax Opportunities Due to the Big, Beautiful Bill

    There are Significant Tax Opportunities Due to the Big, Beautiful Bill
    Jul 29 2025
    Ferenc cuts through the noise and politics and continues to share significant tax opportunities for many people due to the Big, Beautiful Bill that is now passed as law. The US government's lack of financial responsibility creates an opportunity. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    53 mins