Episodes

  • Gold and Silver Values Plunge

    Gold and Silver Values Plunge
    Feb 9 2026
    Gold prices have dropped suddenly after a historic increases over the past year. Silver plunged 26% in one day, the largest drop in history. Gold and to a lessor degree silver prices had increased dramatically due to concerns about inflation and excess money printing by the Federal Reserve. Leverage exaggerated the rise in prices and the crash. As prices dropped, many investors faced margin calls which forced them to sell at any price and created a cascade. This is a common cycle of asset bubbles and when the bubble bursts. This changed when Trump announced Kevin Warsh as the new Federal Reserve Chair. Kevin served as a Federal Reserve Governor from 2006 thru 2011, during the Great Recession. He was highly critical of the Federal Reserve continuing to print money after the crisis was over. He eventually resigned his seat in protest. This appointment shocked the markets and signaled a major change in future Federal Reserve policy. The current asset bubble in the stock market, real estate, precious metals, and cryptocurrency was largely created by money printing. Kevin Marsh will likely stop excess printing and sell down the Federal Reserve assets. Volatility is expected as the economic policy changes are implemented. This could be a bumpy ride, even stomach churning for investors. If you want to participate in future potential upside gains without the stress of potential significant losses, index products could be the best solution for you. Index products allow unlimited upside potential gains with no downside market risk. Principle is guaranteed. We have several indexes that have generated about 7-11% average annual returns the past 10-20+ years. Some have earned up to 27% in one year recently! All with no cap, no fee, and no downside losses.

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    54 mins
  • 50% of the Housing Market is Chasing the 7% of Total Homebuyers That Can Afford a Home That Do Not Already Own

    50% of the Housing Market is Chasing the 7% of Total Homebuyers That Can Afford a Home That Do Not Already Own
    Feb 2 2026
    A household needs $132,000 income to afford the median home. Only 31% of households can afford the median home. The median age of homebuyers is 59. The average age of first-time homebuyers is 40. 77% of households earning $132,000+ already own their home. Therefore, 50% of the housing market is chasing the 7% of total homebuyers that can afford a home that do not already own. This will not end well for real estate values. Our government gave illegals loans for homes and welfare to pay for them. This contributed to increasing home prices. That left millions of Americans unable to buy a home. These illegals built up equity that taxpayers paid for. Many have more money in equity than the average American who was stuck paying rent. Where in immigration law does it say you can enter illegally and stay as long as you don't commit a violent crime? Who voted for this? No one. Yet American are supposed to ignore this?

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    54 mins
  • Trump banned large institutional investors from purchasing single family homes.

    Trump banned large institutional investors from purchasing single family homes.
    Jan 26 2026
    Trump just issued an executive order to ban large institutional investors from purchasing single family homes. He stated "A person sweats, works, buys one house and can't take depreciation". The average age of first time homebuyers is 40, the highest ever recorded. The average age of all homebuyers is 59. Homebuyers over the age of 70 outnumber buyers under 35. This is not a healthy market. Trump's ban will likely reduce home prices in the short term. Lennar, the second largest homebuilder in the US, has dropped prices 27%, below pre-pandemic prices. New home inventory especially in the Southeast are at all-time highs. The homebuilders felt comfortable building homes because if they were unable to sell to a homebuyer institutional buyers would purchase the property. The US dollar as reserve currency status has been strengthened. It is based primarily on the petrodollar. The US and Saudi Arabia agreed to price its oil in US dollars in exchange for military protection and economic cooperation. The relationship was strengthened recently by Trump. This ensures steady demand for the dollar. In 2019 the US became a net exporter of oil. This further strengthens the US dollar in oil trade. All major oil benchmarks, West Texas Intermediate and Brent Crude are priced in US dollars. US and Venezuelan combined oil reserves account for over 50% of the total world's oil reserves. As long as the US controls Venezuelan oil, the US will dominate the world oil market. The US has prevented China from controlling Venezuelan oil. This is a significant hit to China and the BRICS currency.

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    54 mins
  • Real Estate Values are Likely to Continue to Decrease

    Real Estate Values are Likely to Continue to Decrease
    Jan 19 2026
    The mortgage lock-in effect may be starting to ease. There are more mortgage holders with 6%+ rates than sub 3% mortgages for the first time since 2020. As more existing homeowners have higher interest rates they may be more willing to sell their homes. More houses for sale likely will lead to reduced prices. Lennar, then second largest homebuilder in the US, were selling homes for $500,000+ in 2022. Now, they are selling new homes for $375,000. This is is a 27% price drop in 3 years. Inventory influences housing prices. Housing prices are projected to decline an additional 10% in areas that inventory is at or above pre-pandemic levels. Pandemic boom areas are projected to decline an additional 20%.

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    54 mins
  • Trump Proposes Banning Institutional Investors from Buying Single Family Homes

    Trump Proposes Banning Institutional Investors from Buying Single Family Homes
    Jan 12 2026
    Will Trump's proposal to ban large institutional investors from buying single family homes reduce housing prices. His statement "People live in homes, not corporations" sounds good on the surface. The housing affordability crisis was caused by: 1. The Federal Reserve reduced interest rates too low for too long. This created an asset bubble. 2. Many homeowners/real estate investors have significant appreciation subject to capital gains if they sell. 3. Many homeowners are "locked in" with historical low mortgage interest rates. 4. Shortage of single family homes. When the government tries to solve a problem it typically creates another unintended problem. The solution is not to ban a class of investors. The best solution is for the government to get out of the way. If the government really wants to improve housing affordability they should: 1. Reduce taxes, fees, zoning rules, and delays for home builders who build affordable single family homes. This will increase inventory. 2. Offer a capital gains tax holiday for homes owned for 5-10+ years. Many homes would become available.

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    54 mins
  • 2026 is Starting with a Bang! Massive Fraud Exposed.

    2026 is Starting with a Bang! Massive Fraud Exposed.
    Jan 5 2026
    Citizen journalist Nick Shirley posted a documentary exposing the fraud perpetrated by the Somali community in Minnesota.He visited multiple daycare centers that have received multiple millions of dollars annually yet there is no evidence of any children ever being present. The fraud is estimated to be over $8 billion dollars over the past several years. This is fraud on an industrial scale. This may be the largest organized crime scheme in the history of the US. Fraud at this level is organized. Government agencies had to be involved to be successful. Government agencies and non-governmental organizations provided cash, food assistance, transportation, driver's license, housing, insurance, free health care (some states), college tuition, social security, mortgages, and business loans. The government continued to fund social services, like daycare, adult care, special needs services, children's meals, transportation services, etc, yet thousands of businesses provided no services. There was no oversight. The government agencies sent checks for years. The FBI has stated the fraud exposed so far is only the "tip of the iceberg". Not only for Minnesota, but many other states. Investigations have been launched due to Nick Shirley's documentary. The Small Business Administration has frozen all loans and is clawing-back all grants for the state of Minnesota. Nick Shirley was asked if Minnesota governor Tim Walz knew about the fraud. He stated that the fraud is so obvious and pervasive that a 5-year old could figure it out. He explained Tim Walz and other politicians wanted votes from the Somali community. Whistleblowers warned Tim Walz and the Minnesota attorney general. The whistleblowers were retaliated against. Nick Shirley warned if there is no real accountability people are going to explode. "We work too hard not to know where our money's going. They work for us. Not the other way around." 81% of Somali households in Minnesota receive some form of government assistance. 78% of Somali households that have been in Minnesota for 10+ years are still on government assistance. Welfare is not supposed to be a lifestyle. The levels of fraud being exposed is so much that it accounts for much if not all of the increased government spending since COVID. This negatively affects our economy, creates inflation, creates housing unaffordability, increases crime, and strains medical and educational services. I don't remember voting for the mass admission of millions of foreigners who we as taxpayers are forced to pay all their living expenses. How much longer do we let these fraudsters and corrupt politicians rob us blind with our own taxpayer money? Wait until the younger generations figure out the reason they can't get ahead is not due to the Boomers. It is because of the government's generational theft of their heritage.

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    54 mins
  • Successful Goal Setting and the Wheel of Life

    Successful Goal Setting and the Wheel of Life
    Dec 29 2025

    Ferenc shares his popular annual successful goal setting message!

    He shares life-changing ideas on how to identify areas of your life that could use improvement using the Wheel of Life.

    Ferenc also shares the 4 steps to successfully accomplish goals.

    Many listeners have shared successful goal setting stories over the years that were inspired by Ferenc's message.

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    54 mins
  • Ferenc's Personal Story

    Ferenc's Personal Story
    Dec 22 2025

    Ferenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.

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    54 mins