# annuities (blogs) — RSS Amplifier Recent posts from the 2 feeds in the RSS Amplifier directory that cover annuities. Page: Feed: --- ## [The Stock Market and Bond Markets are Hitting Historical Records. Both Cannot Continue Long Term. Which Will Break Down First?](https://www.850wftl.com/the-stock-market-and-bond-markets-are-hitting-historical-records-both-cannot-continue-long-term-which-will-break-down-first/) _2026-08-14 · Beth Stibal · 850 WFTL_ 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 quickly.... ## [The Best Time in 40+ Years to Consider an Annuity or Transfer Your Annuity](https://www.850wftl.com/the-best-time-in-40-years-to-consider-an-annuity-or-transfer-your-annuity/) _2026-08-07 · Beth Stibal · 850 WFTL_ 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 income o 8-10% guaranteed annual... ## [Is it Time to Refinance Your Annuity?](https://www.850wftl.com/is-it-time-to-refinance-your-annuity/) _2026-07-31 · Beth Stibal · 850 WFTL_ Index Annuity Poor Performance Reasons Caps and other limits Indexes with historical low returns Low interest rates when purchased (2022 or earlier) Who should contact me: Own or considering annuity with caps (less than 10% annual caps) Suffering low returns (likely poor performing index) Purchased annuity 2022 or earlier ## [The Greatest Challenge of Our Generation – The 3 Primary Reasons for Poor Index Annuity Returns](https://www.850wftl.com/the-greatest-challenge-of-our-generation-the-3-primary-reasons-for-poor-index-annuity-returns/) _2026-07-24 · Beth Stibal · 850 WFTL_ Election Integrity is the greatest challenge of our generation. China stole 220 million American voter files then created large numbers of fraudulent driver’s licenses to allow non-citizens to vote. US intelligence agencies knew about this yet did nothing and hid the info from the President and the American people. The Department of Homeland Security... ## [2026 2027 Federal Income Tax Calculator for Retirees](https://thefinancebuff.com/tax-calculator-for-retirees.html) _2026-07-23 · Harry Sit · The Finance Buff_ This tax calculator is purpose-made for retirees. It covers everything relevant to retirees for 2026 and 2027 tax years. Learn the Nuts and Bolts I put everything I use to manage my money in a book. My Financial Toolbox guides you to a clear course of action. Read Reviews The post 2026 2027 Federal Income Tax Calculator for Retirees appeared first on The Finance Buff . ## [The Best Index Annuity Product in my 26 Year Career for 81-89 Year-Olds!](https://www.850wftl.com/the-best-index-annuity-product-in-my-26-year-career-for-81-89-year-olds/) _2026-07-17 · Beth Stibal · 850 WFTL_ Ferenc shared the best index annuity product he has seen in his 26-year career recently became available. Unfortunately, this product is only available up to age 80. Now, the best index annuity product for 81-89 year olds has recently become available. There are two options: S&P 500 and NASDAQ 100 indexes with 9-10% average annual... ## [Market Bubbles: Technology Changes, Times Change, Human Behavior does not Change](https://www.850wftl.com/market-bubbles-technology-changes-times-change-human-behavior-does-not-change/) _2026-07-10 · Beth Stibal · 850 WFTL_ New technology has created market bubbles throughout history. The technology changes, the times change, yet human behavior does not. The price of an asset ultimately is what someone is willing to pay for it. When there are not more buyers willing to pay the price, the correction starts. It is not about intelligence.... ## [Companies are Using Chinese AI Technology to Reduce Costs by up to 95%](https://www.850wftl.com/companies-are-using-chinese-ai-technology-to-reduce-costs-by-up-to-95/) _2026-07-02 · Beth Stibal · 850 WFTL_ UBS has stated that 60% of companies are greatly reducing their US Artificial Intelligence usage in favor of Chinese AI due to the reduced costs. Chinese AI costs are up to 95% less than US AI technology. Benchmark tests are showing that Chinese AI is 80 – 95% as effective as US AI. ... ## [The US Stock Market has Never been this Expensive – Ferenc Shares Special 250th Independence Day Message!](https://www.850wftl.com/the-us-stock-market-has-never-been-this-expensive-ferenc-shares-special-250th-independence-day-message/) _2026-06-26 · Beth Stibal · 850 WFTL_ The US Equity Market Valuation has hit the highest level ever recorded! This combined metric includes P/E, Forward P/E, Shiller P/E, EV/EBITDA, Price-to-Book, Price-to-Sales, Q Ratio, Return on Equity (RoE), and the Warren Buffett Indicator. The US Equity Market Valuation metric has hit the 80% percentile 5 times since 1900. Each time this happened... ## [The Federal Reserve Puts Markets on Notice of Possible Rate Hikes. How to Increase Index (Growth) Annuity Returns 2-3X.](https://www.850wftl.com/the-federal-reserve-puts-markets-on-notice-of-possible-rate-hikes-how-to-increase-index-growth-annuity-returns-2-3x/) _2026-06-19 · Beth Stibal · 850 WFTL_ Inflation has increased for the third consecutive month. Historically, inflation happens in waves. The recent Federal Reserve meeting was the first one with the new Chairman, Kevin Warsh. Following are the highlights: Half of the Fed Governors projected a rate increase in 2026 None of the Fed Governors project a rate decrease. The Fed has... ## [Generate Viral Hot Takes (Sponsored)](https://crawlproof.com/a/VmGqFrrh81NV) _2026-06-19 · **Sponsored**_ Get platform-optimized hot takes and rebuttals to spark debate and engagement ## [Large IPO Prices Historically Drop Significantly after their Debut](https://www.850wftl.com/large-ipo-prices-historically-drop-significantly-after-their-debut/) _2026-06-12 · Beth Stibal · 850 WFTL_ IPO’s over the past 45 years that debut above 40x sales underperform the market by 58% over the next 3 years. SpaceX IPO initial price was about 90x sales. The lower the price to sale ratio, the better the returns long-term. The top 10 largest IPO’s price dropped an average of 35% in 6 months.... ## [Transfer Money to Another Person with Push-Only ACH/EFT](https://thefinancebuff.com/ach-transfer-better-venmo-zelle.html) _2026-04-09 · Harry Sit · The Finance Buff_ Having an account that supports ACH to another person's account makes it easy to transfer a larger amount than using Venmo or Zelle. Learn the Nuts and Bolts I put everything I use to manage my money in a book. My Financial Toolbox guides you to a clear course of action. Read Reviews The post Transfer Money to Another Person with Push-Only ACH/EFT appeared first on The Finance Buff . ## [Which AI Calculates Taxes Correctly?](https://thefinancebuff.com/ai-tax-calculator.html) _2026-03-22 · Harry Sit · The Finance Buff_ Whether AI can calculate taxes correctly depends on the complexity. An online tax calculator is faster and more accurate if you know which one to use. Learn the Nuts and Bolts I put everything I use to manage my money in a book. My Financial Toolbox guides you to a clear course of action. Read Reviews The post Which AI Calculates Taxes Correctly? appeared first on The Finance Buff . ## [AI Gives Better Answers Than Google](https://thefinancebuff.com/ai-better-answers-than-google.html) _2026-03-12 · Harry Sit · The Finance Buff_ AI gives you a good baseline. The less you know about a subject, the more AI will help. Use AI for how to apply knowledge to your specific situation. Learn the Nuts and Bolts I put everything I use to manage my money in a book. My Financial Toolbox guides you to a clear course of action. Read Reviews The post AI Gives Better Answers Than Google appeared first on The Finance Buff . ## [A Simple Annual Financial Review Template](https://thefinancebuff.com/annual-financial-review-template.html) _2026-01-13 · Harry Sit · The Finance Buff_ We use this annual financial review template to recap the previous year and plan for the current and future years. Learn the Nuts and Bolts I put everything I use to manage my money in a book. My Financial Toolbox guides you to a clear course of action. Read Reviews The post A Simple Annual Financial Review Template appeared first on The Finance Buff . ## [How I Bought a Home Without an Agent After the NAR Settlement](https://thefinancebuff.com/buy-home-without-agent-nar-settlement.html) _2025-12-30 · Harry Sit · The Finance Buff_ You can buy a home without a buyer's agent and save a lot of money when you're prepared. Here's how I did it. Learn the Nuts and Bolts I put everything I use to manage my money in a book. My Financial Toolbox guides you to a clear course of action. Read Reviews The post How I Bought a Home Without an Agent After the NAR Settlement appeared first on The Finance Buff . ## [Real Life Experience with a Deferred Fixed Annuity (MYGA)](https://thefinancebuff.com/myga-deferred-fixed-annuity.html) _2025-12-21 · Harry Sit · The Finance Buff_ A deferred fixed annuity, aka MYGA, is like a CD issued by an insurance company. It worked as advertised but I'm not renewing or buying more. Learn the Nuts and Bolts I put everything I use to manage my money in a book. My Financial Toolbox guides you to a clear course of action. Read Reviews The post Real Life Experience with a Deferred Fixed Annuity (MYGA) appeared first on The Finance Buff . ## [Software for Business and Trust Tax Returns: 1041, 1065, 1120-S](https://thefinancebuff.com/business-trust-tax-software-1041-1065-1120s.html) _2025-12-04 · Harry Sit · The Finance Buff_ H&R Block Business is inexpensive tax software for filing business and trust tax returns. Try it if you need to file a Form 1041, 1065, or 1120-S. Learn the Nuts and Bolts I put everything I use to manage my money in a book. My Financial Toolbox guides you to a clear course of action. Read Reviews The post Software for Business and Trust Tax Returns: 1041, 1065, 1120-S appeared first on The… ## [Building a Bond Ladder with Individual Bonds and ETFs](https://thefinancebuff.com/build-bond-ladder-individual-bonds-etfs.html) _2025-11-18 · Harry Sit · The Finance Buff_ A bond ladder is helpful psychologically and for predictable cash flow. You can build one with individual Treasuries and TIPS and with ETFs. Learn the Nuts and Bolts I put everything I use to manage my money in a book. My Financial Toolbox guides you to a clear course of action. Read Reviews The post Building a Bond Ladder with Individual Bonds and ETFs appeared first on The Finance Buff . ## [Refer a Friend, Earn Rewards (Sponsored)](https://crawlproof.com/a/bwYXTL7CmsZL) _2025-11-18 · **Sponsored**_ Earn rewards when a friend signs up for the Graphite Business Card ## [ACA Health Plan Premiums When One Spouse Starts Medicare](https://thefinancebuff.com/aca-premiums-spouse-starts-medicare.html) _2025-11-10 · Harry Sit · The Finance Buff_ The ACA health plan premiums may decrease, stay the same, or even increase when one spouse starts Medicare. Here's why. Learn the Nuts and Bolts I put everything I use to manage my money in a book. My Financial Toolbox guides you to a clear course of action. Read Reviews The post ACA Health Plan Premiums When One Spouse Starts Medicare appeared first on The Finance Buff .