economy 14 - The Latremie Post

KeyBanc Cuts Charter Communications (CHTR) PT, Keeps Overweight Rating

When Jeff Bezos said that one breakthrough technology would shape Amazon’s destiny, even Wall Street’s biggest analysts were caught off guard. Fast forward a year, and Amazon’s new CEO Andy Jassy described generative AI as a “once-in-a-lifetime” technology that is already being used across Amazon to reinvent customer experiences.

At the 8th Future Investment Initiative conference, Elon Musk predicted that by 2040 there would be at least 10 billion humanoid robots, each priced between $20,000 and $25,000. Do the math. According to Musk, this technology could be worth $250 trillion by 2040.

Put another way, that’s roughly equal to:
– 175 Teslas
– 107 Amazons
– 140 Metas
– 84 Googles
– 65 Microsofts
– 55 Nvidias

And here’s the wild part: this $250 trillion wave isn’t tied to one company, but to an entire ecosystem of AI innovators set to reshape the global economy. It’s a leap so massive, it could reshape how businesses, governments, and consumers operate worldwide.

Even if that $250 trillion figure sounds ambitious, major firms like PwC and McKinsey still see AI unlocking multi-trillion-dollar potential. How could anything be worth that much? The answer lies in a breakthrough so powerful it’s redefining how humanity works, learns, and creates.

This breakthrough has already set off a frenzy among hedge funds and Wall Street’s top investors. What most investors don’t realize is that one under-owned company holds the key to this $250 trillion revolution. In fact, Verge argues this company’s supercheap AI technology should concern rivals.

—

### The Billionaires Getting Behind AI

Before revealing the details, let’s look at how some of the richest people on the planet are positioning themselves:

– **Larry Ellison**, through Oracle, is spending billions on Nvidia chips and partnering with Cohere to embed generative AI across Oracle’s cloud and apps.

– **Warren Buffett**, not known for tech hype, says this breakthrough could have a “hugely beneficial social impact.”

When billionaires from Silicon Valley to Wall Street line up behind the same idea, you know it’s worth paying attention to.

—

### Look Beyond the Giants

Even as we admire what Tesla, Nvidia, Alphabet, and Microsoft have built, there’s an even greater opportunity lying elsewhere. The real story isn’t Nvidia — it’s a much smaller company quietly improving the critical technology that makes this entire revolution possible.

Judging by what I’m hearing from both Silicon Valley insiders and Wall Street veterans, this prediction might not be bold at all: a few years from now, you’ll wish you’d owned this stock.

The best part? You can discover everything about this company and its groundbreaking technology right now.

—

### Unlock Exclusive Investment Research

I’ve compiled everything you need to know about this groundbreaking company in a detailed, members-only report. Trust me, you’ll want to read this report before putting another dollar into any tech stock.

For a ridiculously low price of just $9.99 a month, you can unlock a year’s worth of in-depth investment research and exclusive insights — that’s less than a single fast food meal!

Here’s why this is a deal you can’t afford to pass up:

– **Access to Our Detailed Report on This Game-Changing AI Stock:** Dive deep into our #1 AI stock’s groundbreaking technology and massive growth potential.
– **11 New Issues of Our Premium Readership Newsletter:** Receive 11 new issues and at least one new stock pick per month from our monthly newsletter’s portfolio over the next 12 months, handpicked by our research director, Dr. Inan Dogan.
– **One Free Upcoming Issue of Our 70+ Page Quarterly Newsletter:** A $149 value.
– **Bonus Reports:** Premium access to members-only fund manager video interviews.
– **Ad-Free Browsing:** Enjoy a year of investment research free from distracting banner and pop-up ads.
– **30-Day Money-Back Guarantee:** If you’re not absolutely satisfied, we’ll provide a full refund within 30 days, no questions asked.

If you’re thinking about getting in, don’t wait — once Wall Street catches wind of this story, the easy money will be gone.

—

### The Hidden Crisis Behind the AI Boom

AI is eating the world — and the machines behind it are ravenous. Each ChatGPT query, each model update, each robotic breakthrough consumes massive amounts of energy.

In fact, AI is already pushing global power grids to the brink. Wall Street is pouring hundreds of billions into artificial intelligence — training smarter chatbots, automating industries, and building the digital future.

But there’s one urgent question few are asking: **Where will all of that energy come from?**

AI is the most electricity-hungry technology ever invented. Each data center powering large language models like ChatGPT consumes as much energy as a small city — and it’s about to get worse.

Even Sam Altman, founder of OpenAI, issued a stark warning: “The future of AI depends on an energy breakthrough.” Elon Musk was even more blunt: “AI will run out of electricity by next year.”

—

### The Ultimate Backdoor Play in AI Energy

As the world chases faster, smarter machines, a hidden crisis is emerging behind the scenes. Power grids are strained, electricity prices are rising, and utilities are scrambling to expand capacity.

That’s where the real opportunity lies.

One little-known company — almost entirely overlooked by most AI investors — could be the ultimate backdoor play.

It’s not a chipmaker. It’s not a cloud platform. But it might be the most important AI stock in the US.

This company owns critical energy infrastructure assets positioned to feed the coming AI energy spike. As demand from AI data centers explodes, this company is gearing up to profit from the most valuable commodity in the digital age: electricity.

—

### The “Toll Booth” Operator of the AI Energy Boom

This company owns critical **nuclear energy infrastructure assets**, positioning it at the heart of America’s next-generation power strategy.

It’s one of the only global companies capable of executing large-scale, complex EPC (engineering, procurement, and construction) projects across oil, gas, renewable fuels, and industrial infrastructure.

Additionally, it plays a pivotal role in U.S. LNG exportation — a sector about to explode under President Trump’s renewed “America First” energy doctrine.

Trump has made it clear: Europe and U.S. allies must buy American LNG. And our company sits in the toll booth — collecting fees on every drop exported.

But that’s not all.

As Trump’s proposed tariffs push American manufacturers to bring their operations back home, this company will be first in line to rebuild, retrofit, and reengineer those facilities.

**AI. Energy. Tariffs. Onshoring. This One Company Ties It All Together.**

—

### Why Wall Street Is Starting to Notice

While the world is distracted by flashy AI tickers, a few smart investors are quietly scooping up shares of the one company powering it all from behind the scenes.

AI needs energy. Energy needs infrastructure. And infrastructure needs a builder with experience, scale, and execution.

This company has its finger in every pie — and Wall Street is just starting to notice.

Unlike most energy and utility firms buried under mountains of debt, this company is completely debt-free. In fact, it’s sitting on a war chest of cash equal to nearly one-third of its entire market cap.

It also owns a huge equity stake in another red-hot AI play, giving investors indirect exposure to multiple AI growth engines without paying a premium.

—

### The Hedge Fund Secret That’s Starting to Leak Out

This stock is so off-the-radar, so absurdly undervalued, that some of the most secretive hedge fund managers in the world have begun pitching it at closed-door investment summits.

They’re sharing it quietly, away from the cameras, with rooms full of ultra-wealthy clients.

Why?

Because excluding cash and investments, this company is trading at **less than 7 times earnings** — for a business tied to:
– The AI infrastructure supercycle
– The onshoring boom driven by Trump-era tariffs
– A surge in U.S. LNG exports
– And a unique footprint in nuclear energy — the future of clean, reliable power

You simply won’t find another AI and energy stock this cheap — with this much upside.

—

### Disruption Is the New Name of the Game

Let’s face it: complacency breeds stagnation.

AI is the ultimate disruptor, shaking the foundations of traditional industries. The companies that embrace AI will thrive, while the dinosaurs clinging to outdated methods will be left in the dust.

As an investor, you want to be on the side of the winners. AI is the winning ticket.

—

### The Talent Pool Is Overflowing

The world’s brightest minds are flocking to AI. From computer scientists to mathematicians, the next generation of innovators is pouring its energy into this field.

This influx of talent guarantees a constant stream of groundbreaking ideas and rapid advancements.

By investing in AI, you’re essentially backing the future.

—

### The Time to Invest Is Now

The future is powered by artificial intelligence.

Don’t be a spectator in this technological revolution. Dive into the AI gold rush and watch your portfolio soar alongside the brightest minds of our generation.

This isn’t just about making money — it’s about being part of the future.

So buckle up and get ready for the ride of your investment life!

—

### Act Now and Unlock Potential 100+% Returns Within 12 to 24 Months

We’re now offering month-to-month subscriptions with no commitments.

For just **$9.99 per month**, you can unlock our in-depth investment research and exclusive insights — less than a single fast food meal!

Here’s why this is a deal you can’t afford to pass up:

– **Access to our Detailed Report** on our AI, Tariffs, and Nuclear Energy Stock with 100+% potential upside within 12 to 24 months
– **Bonus Report** on our #1 AI-Robotics Stock with 10,000% upside potential — an in-depth review of groundbreaking technology and growth potential
– **One New Issue of Our Premium Readership Newsletter** each month with stock picks handpicked by Dr. Inan Dogan
– **One Free Upcoming Issue** of our 70+ page Quarterly Newsletter (valued at $149)
– **Bonus Content:** Premium access to members-only fund manager video interviews
– **Ad-Free Browsing:** Focus on uncovering the next big opportunity without distractions
– **Lifetime Price Guarantee:** Your renewal rate will always remain the same as long as your subscription is active
– **30-Day Money-Back Guarantee:** If you’re not satisfied, get a full refund — no questions asked

Space is limited! Only 1,000 spots are available for this exclusive offer. Don’t let this chance slip away.

—

### Here’s What To Do Next:

1. Head over to our website and subscribe for just $9.99 per month.
2. Enjoy a month of ad-free browsing, exclusive access to our in-depth reports on the Trump tariff and nuclear energy company as well as the revolutionary AI-robotics company, plus upcoming issues of our Premium Readership Newsletter.
3. Sit back, relax, and know that you’re backed by our ironclad 30-day money-back guarantee.

Don’t miss out on this incredible opportunity! Subscribe now and take control of your AI investment future.

No worries about auto-renewals! Our 30-Day Money-Back Guarantee applies whether you’re joining us for the first time or renewing your subscription a month later!

—

Artificial intelligence is the greatest investment opportunity of our lifetime. The time to invest in groundbreaking AI is NOW, and this stock is a steal!
https://www.insidermonkey.com/blog/keybanc-cuts-charter-communications-chtr-pt-keeps-overweight-rating-1630204/

Noble Financial Remains Bullish on CoreCivic (CXW)

Put another way, that’s roughly equal to:
– 175 Teslas
– 107 Amazons
– 140 Metas
– 84 Googles
– 65 Microsofts
– 55 Nvidias

And here’s the wild part: this $250 trillion wave isn’t tied to one company but to an entire ecosystem of AI innovators set to reshape the global economy. It’s a leap so massive, it could reshape how businesses, governments, and consumers operate worldwide.

Even if that $250 trillion figure sounds ambitious, major firms like PwC and McKinsey still see AI unlocking multi-trillion-dollar potential.

### How Could Anything Be Worth That Much?

The answer lies in a breakthrough so powerful it’s redefining how humanity works, learns, and creates. This breakthrough has already set off a frenzy among hedge funds and Wall Street’s top investors.

What most investors don’t realize is that one under-owned company holds the key to this $250 trillion revolution. In fact, Verge argues this company’s supercheap AI technology should concern rivals.

Before I reveal the details, let’s talk about how some of the richest people on the planet are positioning themselves.

### Billionaires Betting Big on AI

– **Bill Gates** sees artificial intelligence as the “biggest technological advance in my lifetime,” more transformative than the internet or personal computer, capable of improving healthcare, education, and addressing climate change.
– **Larry Ellison**, through Oracle, is spending billions on Nvidia chips and partnering with Cohere to embed generative AI across Oracle’s cloud and applications.
– **Warren Buffett**, not known for tech hype, says this breakthrough could have a “hugely beneficial social impact.”

When billionaires from Silicon Valley to Wall Street line up behind the same idea, you know it’s worth paying attention to.

Even as we admire what Tesla, Nvidia, Alphabet, and Microsoft have built, we believe an even greater opportunity lies elsewhere. But the real story isn’t Nvidia—it’s a much smaller company quietly improving the critical technology that makes this entire revolution possible.

Judging by what I’m hearing from both Silicon Valley insiders and Wall Street veterans, this prediction might not be bold at all: a few years from now, you’ll wish you’d owned this stock.

### Discover the Secret Behind the AI Revolution

The best part? You can discover everything about this company and its groundbreaking technology right now. I’ve compiled everything you need to know about this groundbreaking company in a detailed, members-only report.

Trust me, you’ll want to read this report before putting another dollar into any tech stock.

For a ridiculously low price of just $9.99 a month, you can unlock a year’s worth of in-depth investment research and exclusive insights—that’s less than a single fast-food meal!

### Here’s Why This Deal is Too Good to Miss:

– **Access to Our Detailed Report on This Game-Changing AI Stock:** Our in-depth report dives deep into our #1 AI stock’s groundbreaking technology and massive growth potential.
– **11 New Issues of Our Premium Readership Newsletter:** Receive at least one new stock pick per month from our monthly newsletter’s portfolio over the next 12 months. These stocks are handpicked by our research director, Dr. Inan Dogan.
– **One Free Upcoming Issue of Our 70+ Page Quarterly Newsletter:** A value of $149.
– **Bonus Reports:** Premium access to members-only fund manager video interviews.
– **Ad-Free Browsing:** Enjoy a year of investment research free from distracting banner and pop-up ads, helping you focus on uncovering the next big opportunity.
– **30-Day Money-Back Guarantee:** If you’re not absolutely satisfied, we’ll provide a full refund within 30 days—no questions asked.

If you’re thinking about getting in, don’t wait! Once Wall Street catches wind of this story, the easy money will be gone.

**Space is limited! Only 1,000 spots are available for this exclusive offer. Don’t let this chance slip away.**

### What to Do Next:

1. Head over to our website and subscribe for just $9.99 a month.
2. Enjoy a year of ad-free browsing, exclusive access to our in-depth report on the revolutionary AI company, and upcoming issues of our Premium Readership Newsletter.
3. Sit back, relax, and know that you’re backed by our ironclad 30-day money-back guarantee.

Don’t miss out on this incredible opportunity! Subscribe now and take control of your AI investment future.

_No worries about auto-renewals! Our 30-Day Money-Back Guarantee applies whether you’re joining for the first time or renewing a month later._

—

### The Hidden Crisis Behind AI’s Energy Demand

Artificial intelligence is the greatest investment opportunity of our lifetime. The time to invest in groundbreaking AI is now—and this stock is a steal!

AI is eating the world—and the machines behind it are ravenous. Each ChatGPT query, each model update, each robotic breakthrough consumes massive amounts of energy. In fact, AI is already pushing global power grids to the brink.

Wall Street is pouring hundreds of billions into artificial intelligence—to train smarter chatbots, automate industries, and build the digital future.

But there’s one urgent question few are asking: **Where will all of that energy come from?**

AI is the most electricity-hungry technology ever invented. Each data center powering large language models like ChatGPT consumes as much energy as a small city—and it’s about to get worse.

Even Sam Altman, founder of OpenAI, issued a stark warning:
*“The future of AI depends on an energy breakthrough.”*

Elon Musk was even more blunt:
*“AI will run out of electricity by next year.”*

As the world chases faster, smarter machines, a hidden crisis is emerging behind the scenes.

– Power grids are strained.
– Electricity prices are rising.
– Utilities are scrambling to expand capacity.

And that’s where the real opportunity lies.

—

### The “Toll Booth” Operator of the AI Energy Boom

One little-known company—almost entirely overlooked by most AI investors—could be the ultimate backdoor play.

It’s not a chipmaker. It’s not a cloud platform. But it might be the most important AI stock in the U.S. It owns critical energy infrastructure assets positioned to feed the coming AI energy spike.

As demand from AI data centers explodes, this company is gearing up to profit from the most valuable commodity in the digital age: electricity.

It owns critical nuclear energy infrastructure assets, positioning it at the heart of America’s next-generation power strategy. It’s one of the only global companies capable of executing large-scale, complex EPC (engineering, procurement, and construction) projects across oil, gas, renewable fuels, and industrial infrastructure.

It also plays a pivotal role in U.S. LNG exportation—a sector about to explode under President Trump’s renewed “America First” energy doctrine. Trump has made it clear: Europe and U.S. allies must buy American LNG. Our company sits in the toll booth—collecting fees on every drop exported.

But that’s not all.

As Trump’s proposed tariffs push American manufacturers to bring their operations back home, this company will be first in line to rebuild, retrofit, and reengineer those facilities.

**AI. Energy. Tariffs. Onshoring. This One Company Ties It All Together.**

While the world is distracted by flashy AI tickers, a few smart investors are quietly scooping up shares of the one company powering it all from behind the scenes.

AI needs energy. Energy needs infrastructure. And infrastructure needs a builder with experience, scale, and execution.

This company has its finger in every pie—and Wall Street is just starting to notice.

—

### Why Wall Street Is Paying Attention

Wall Street is noticing this company because it’s quietly riding all of these tailwinds without the sky-high valuation typical of other firms.

While most energy and utility companies are buried under mountains of debt and coughing up hefty interest payments to appease bondholders, this company is completely debt-free.

In fact, it’s sitting on a war chest of cash—equal to nearly one-third of its entire market cap. It also owns a huge equity stake in another red-hot AI play, giving investors indirect exposure to multiple AI growth engines without paying a premium.

Here’s what the smart money is whispering:

– This stock is so off-the-radar and absurdly undervalued that some of the most secretive hedge fund managers in the world have begun pitching it at closed-door investment summits.
– They’re sharing it quietly, away from cameras, to rooms full of ultra-wealthy clients.
– Excluding cash and investments, this company is trading at less than 7 times earnings.
– And that’s for a business tied to:
– The AI infrastructure supercycle
– The onshoring boom driven by Trump-era tariffs
– A surge in U.S. LNG exports
– A unique footprint in nuclear energy—the future of clean, reliable power

You simply won’t find another AI and energy stock this cheap with this much upside.

This isn’t a hype stock. It’s not riding on hope. It’s delivering real cash flows, owns critical infrastructure, and holds stakes in other major growth stories.

This is your chance to get in before the rockets take off!

—

### Disruption Is the New Name of the Game

Let’s face it—complacency breeds stagnation. AI is the ultimate disruptor, shaking the foundations of traditional industries.

The companies that embrace AI will thrive, while those clinging to outdated methods will be left in the dust.

As an investor, you want to be on the side of the winners—and AI is the winning ticket.

### The Talent Pool Is Overflowing

The world’s brightest minds are flocking to AI. From computer scientists to mathematicians, the next generation of innovators is pouring its energy into this field.

This influx of talent guarantees a constant stream of groundbreaking ideas and rapid advancements.

By investing in AI, you’re essentially backing the future.

The future is powered by artificial intelligence, and the time to invest is **NOW**.

Don’t be a spectator in this technological revolution. Dive into the AI gold rush and watch your portfolio soar alongside the brightest minds of our generation.

This isn’t just about making money—it’s about being part of the future.

So, buckle up and get ready for the ride of your investment life!

—

### Act Now and Unlock Potential 100%+ Returns Within 12 to 24 Months

We’re now offering month-to-month subscriptions with no commitments.

For just $9.99 per month, less than a fast food meal, you can unlock:
– Access to our detailed report on our AI, Tariffs, and Nuclear Energy stock with 100%+ potential upside within 12 to 24 months.
– A BONUS REPORT on our #1 AI-Robotics stock with 10,000% upside potential. This exclusive report dives deep into our top AI/robotics stock’s groundbreaking technology and massive growth potential.
– One new issue of our Premium Readership Newsletter each month—including at least one new stock pick handpicked by our research director, Dr. Inan Dogan, over the next 12 months.
– One free upcoming issue of our 70+ page Quarterly Newsletter—a $149 value.
– Bonus content including premium access to members-only fund manager video interviews.
– Ad-free browsing for the month, letting you focus on uncovering the next big opportunity.
– Lifetime price guarantee: Your renewal rate remains the same as long as your subscription is active.
– A 30-Day Money-Back Guarantee: If you’re not satisfied, get a full refund within 30 days—no questions asked.

**Space is limited! Only 1,000 spots available for this exclusive offer. Don’t miss out.**

—

### Here’s How to Get Started:

1. Head over to our website and subscribe for $9.99/month.
2. Enjoy ad-free browsing, exclusive reports on the Trump tariff and nuclear energy company, the revolutionary AI-robotics company, and upcoming issues of our Premium Readership Newsletter.
3. Sit back, relax, and know you’re backed by our ironclad 30-day money-back guarantee.

Don’t miss this incredible opportunity! Subscribe now and take control of your AI investment future.

_No worries about auto-renewals! Our 30-Day Money-Back Guarantee applies whether you’re joining for the first time or renewing a month later._
https://www.insidermonkey.com/blog/noble-financial-remains-bullish-on-corecivic-cxw-1630301/

Wipeouts Threaten Korea Retail Army Chasing Riskiest Investments

When Tony Kim likes a stock, he goes all in. Literally.

The 34-year-old manager at a Seoul-based textile company never holds more than one stock in his 140 million won ($98,500) portfolio.
https://www.bloomberg.com/news/features/2025-10-20/korea-s-great-yield-chase-ratchets-up-risk-of-a-leveraged-bubble

Dutch Seizure of Nexperia Sparks Corporate Stand-Off in China

**Nexperia China Prioritizes Local Management Amid Dutch Takeover Dispute**

Nexperia China has instructed its employees to follow directives from local management rather than the company’s Dutch headquarters, intensifying an ongoing corporate standoff. This internal directive, communicated through a letter over the weekend, signals clear resistance against the Dutch authorities’ attempt to assert control over the company.

### Background: Dutch Emergency Law and Limited Reach

The Netherlands recently invoked the Goods Availability Act—an emergency law enabling the state to temporarily assume control over companies deemed critical to national security. Using this law, Dutch authorities took control of Nexperia’s parent company and European operations, removing CEO Zhang Xuezheng and restricting significant corporate actions such as relocating units or terminating executives for up to one year.

However, this takeover only applies to the parent entity and its European subsidiaries. Nexperia’s subsidiaries incorporated in mainland China, including plants and offices in Dongguan, Shanghai, Beijing, Shenzhen, and Wuxi, remain outside the scope of Dutch jurisdiction. These Chinese operations are managed locally and employ staff directly compensated by the Chinese entity, reinforcing their operational independence from the Dutch headquarters.

### China’s Export Controls Escalate the Stand-Off

The situation is further complicated by China’s Ministry of Commerce, which has imposed export restrictions on certain finished components manufactured domestically. These controls effectively block Dutch authorities from influencing Chinese operations, given that approximately 70% of Nexperia’s products are assembled at the Dongguan facility.

As a consequence, despite the legal authority granted to the Dutch government over the European parent company, the export restrictions prevent them from redirecting production or accessing product flows originating in China. This development has transformed the dispute into a complex geopolitical and corporate balancing act, with ongoing government-to-government negotiations between the Netherlands and China.

### Competitors Eye Supply Chain Opportunities

The uncertainty surrounding Nexperia’s operations presents a strategic window for rival semiconductor companies. Industry players such as Infineon, ON Semiconductor, STMicroelectronics, and Rohm are reportedly preparing to capture customers concerned about potential supply disruptions, especially in the automotive sector.

Nexperia’s Dongguan plant processes over 50 billion components annually, focusing on high-demand medium-power surface-mount device (SMD) packages, dual-flat no-lead (DFN) formats, and wafer-scale options. Competitors are expected to offer pin-compatible replacement parts for diodes, transistors, and other discrete component families most affected by the export constraints.

Meanwhile, electronics distributors are increasing inventory buffers to meet anticipated demand from automotive and industrial equipment manufacturers seeking alternative sources during this period of heightened geopolitical uncertainty.

—

The unfolding events at Nexperia highlight the intricate interplay between national security concerns, international trade restrictions, and corporate governance in today’s semiconductor industry. Stakeholders will be closely watching how the situation develops in the coming months.
https://coincentral.com/dutch-seizure-of-nexperia-sparks-corporate-stand-off-in-china/

Is it better to buy an annuity when interest rates are high or low?

Last month, the Federal Reserve finally conducted its first rate cut of 2025, dropping its benchmark rate by 25 basis points after months of anticipation. This move marked the start of what many experts and analysts expect will be a gradual pivot toward lower borrowing costs, with at least two more rate cuts anticipated before the end of the year.

For retirees and near-retirees, that shift has sparked renewed questions about how today’s changing rate environment could affect long-term financial decisions. As a result, annuities, in particular, are drawing attention again.

### What Are Annuities?

These insurance-backed retirement products convert savings into guaranteed income for life, much like a pension, providing retirees with a sense of stability that’s hard to find elsewhere. But because annuity payouts are influenced by prevailing interest rates, the timing of your purchase can have a major impact on the income you’ll ultimately receive.

With rates still relatively high, many savers are wondering whether now is the best time to lock in an annuity, or if waiting for the Fed’s next move could be the smarter play. Knowing how interest rates shape annuity performance can help you decide how to secure the most reliable income for your retirement years.

—

### How Do Interest Rates Affect Annuities?

Is it better to buy an annuity when interest rates are high or low? All else equal, high-rate periods favor buyers of fixed annuities, such as:

– Immediate annuities (SPIAs)
– Deferred income annuities (DIAs)
– Multi-year guaranteed annuities (MYGAs)

In other words, it’s typically better to buy an annuity when interest rates are high. Here’s why:

When you purchase an immediate annuity or lock in a fixed annuity rate, insurance companies are essentially promising to pay you a steady stream of income, generally for the rest of your life.

Behind the scenes, though, they’re investing your premium in conservative investments like bonds. The higher the prevailing interest rates when you buy, the more income those investments can generate—and therefore, the more generous the payout the insurer can offer you.

Think of it this way: If an insurance company can invest your money and earn 5% versus 2%, they can afford to pay you significantly more each month while still covering their costs and profit margin.

During the low-rate environment that persisted through much of 2020, annuity payouts were disappointing overall due to low rates. Fast forward to today’s higher-rate environment, and a 65-year-old buying a $100,000 annuity could potentially receive about $650 or more monthly.

—

### Timing Is Key—But Don’t Wait Forever

There’s a catch, though. You can’t just wait forever for interest rates to hit some magical peak. Rates are cyclical, and trying to time the absolute top is like trying to time the stock market—it’s nearly impossible.

If you wait too long, rates might drop again, and you’ll have missed your window. Plus, there’s a personal timing element to consider. The older you are when you purchase an annuity, the higher your payout will be since the insurance company expects to pay you for fewer years.

Waiting too long, however, could mean potentially running down your savings in the meantime.

—

### Why Annuities Deserve a Spot in Your Retirement Plan

Beyond just the interest rate question, annuities solve a fundamental retirement challenge that’s only getting harder: longevity risk. Humans are living longer overall, which means your retirement savings may need to last 25, 30, or even 35 years or more.

That’s a long time to worry about whether your retirement portfolio will hold up through market swings, periods of inflation, and other unexpected events or expenses.

This is where annuities tend to shine. Unlike bonds or dividend stocks, an income annuity provides payments you literally cannot outlive. That certainty lets you budget with confidence, knowing exactly what’s coming in each month regardless of what the market does.

You can plan vacations, help your grandkids with college, or simply have more peace of mind knowing your essential expenses are covered.

Annuities can also complement your other retirement income sources. Social Security provides one guaranteed income floor, and an annuity can add another layer.

This combination creates a reliable baseline that covers your must-have expenses, like housing, food, healthcare, and utilities, while your other investments can be managed for growth, emergency funds, or legacy goals.

Ultimately, a solid retirement plan is about creating a diversified income strategy—not putting everything into one basket.

—

### The Bottom Line

Higher interest rates create a more favorable environment for buying annuities, offering better payouts that can significantly boost your retirement income. But the perfect time to buy an annuity is less important than making sure it fits your overall retirement strategy and that you’re buying when rates are reasonably attractive.

If we’re in a higher-rate environment now compared to the past several years, that’s generally a green light worth considering.

Just remember, the best time to secure guaranteed lifetime income is when you actually need that security, not some theoretical future moment when rates might be marginally better.

—

**Compare your annuity options and lock in a great rate today to help ensure the income you need during retirement.**
https://www.cbsnews.com/news/is-it-better-to-buy-an-annuity-when-interest-rates-are-high-or-low/

Kalmar julkaisee tammi-syyskuun 2025 osavuosikatsauksen perjantaina 31.10.2025

Kalmar Oyj julkaisee tammi–syyskuun 2025 osavuosikatsauksen 31.10.2025 noin klo 9.00. Raportti on saatavilla julkaisun jälkeen osoitteessa www.kalmar.fi.

Kansainvälinen puhelinkonferenssi analyytikoille, sijoittajille ja toimittajille järjestetään julkaisupäivänä klo 10.00. Tilaisuus on englanninkielinen. Raportin esittelevät Kalmarin toimitusjohtaja Sami Niiranen sekä talous- ja rahoitusjohtaja Sakari Ahdekivi.

Esitysmateriaali on saatavilla osoitteessa www.kalmar.fi viimeistään klo 10.00 mennessä.

Puhelinkonferenssiin osallistuvien tulee rekisteröityä tilaisuuteen tämän linkin kautta. Rekisteröitymisen jälkeen osallistuja saa konferenssin puhelinnumeron sekä konferenssitunnuksen osallistumista varten. Konferenssin aikana on mahdollisuus esittää kysymyksiä. Tilaisuutta voi myös seurata osoitteessa.

Tilaisuus nauhoitetaan, ja tallenne on saatavilla Kalmarin verkkosivuilla myöhemmin samana päivänä.

Huomioithan, että osallistumalla puhelinkonferenssiin hyväksyt, että Kalmar kerää sinusta henkilökohtaisia tietoja, kuten nimen ja yritystiedot.

Muistutamme myös, että voit tilata Kalmarin pörssi- ja lehdistötiedotteita tämän linkin kautta tai Kalmarin internet-sivuilla www.kalmar.fi.

Lisätietoja:
– Carina Geber-Teir, sijoittajasuhde-, markkinointi- ja viestintäjohtaja, puh. 040 502 4697
– Camilla Maikola, sijoittajasuhdepäällikkö, puh. 050 442 7900

**Kalmar lyhyesti**
Kalmar (Nasdaq Helsinki: KALMAR) liikuttaa hyödykkeitä kriittisissä toimitusketjuissa maailmanlaajuisesti, ja sen visiona on olla edelläkävijä kestävän materiaalien käsittelyn laitteissa ja palveluissa.

Kalmar toimii maailmanlaajuisesti yli 120 maassa ja työllistää noin 5 200 henkilöä. Kalmarin pääkonttori sijaitsee Helsingissä, Suomessa.

Vuonna 2024 yhtiön liikevaihto oli yhteensä noin 1,7 miljardia euroa.

Lisätietoja: www.kalmar.fi
https://www.globenewswire.com/news-release/2025/10/17/3168461/0/fi/Kalmar-julkaisee-tammi-syyskuun-2025-osavuosikatsauksen-perjantaina-31-10-2025.html

Dialing down dope: Trump White House moves toward easing restrictions on marijuana

Pot was hardly difficult to find on campuses—and elsewhere—back when it was not just illegal but actively targeted by politicians as a menace to society. In fact, it often found you if you stopped in at parties or even small gatherings. When I was in college, there was a real fear of being busted by police, getting kicked out of school, or fired from your job. It made otherwise law-abiding kids see the cops as their enemy. But that was light-years ago.

—

### Changing Attitudes Toward Marijuana

Now, the Trump administration is strongly considering loosening the restrictions on weed. It still amazes me to drive up Connecticut Avenue here in Washington and see cannabis shops—like MrGreen and Blunt-and Taste Budz—just a few blocks from the Capitol, openly peddling the stuff. The products are branded under highly marketable names, such as Violet Sky and Hash Burger.

A well-reported story by the Free Press says President Trump is considering reclassifying marijuana from a Schedule I drug to Schedule III. That would put it in the same category as anabolic steroids, ketamine, and Tylenol with codeine. The move “would ease restrictions on it but stop short of making pot entirely legal.”

Of course, medical marijuana is already legal in 40 states and the District of Columbia, and allowed for recreational use in D.C. and 24 states—from New York to Colorado.

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### Minimal Opposition and Political Support

So where is the opposition? Uh, there really isn’t that much. And the White House is being open about this. Marijuana advocate Alex Bruesewitz tells the Free Press that the shift to Schedule III “keeps cannabis as a controlled substance but allows for more testing for medicinal purposes,” calling it a “politically savvy move” with strong public support.

It’s perhaps no surprise. Generations have at least tried weed since the 1960s and ’70s, dismissing the dark warnings about its dangers and the claim that it would lead to harder drugs. They scoffed at the infamous 1936 film *Reefer Madness*.

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### A History of Political Opposition

Richard Nixon, in his war on drugs half a century ago, tried to associate hippies with pot and Black Americans with heroin. As his top aide John Ehrlichman—who later went to prison for Watergate—said in a 1994 interview: “Did we know we were lying about the drugs? Of course we did.”

Ronald Reagan, who as a candidate called pot “probably the most dangerous drug in the United States,” admitted in his diary that he got mad watching Jane Fonda, Lily Tomlin, and Dolly Parton toking up in the movie *9 to 5*. His wife Nancy Reagan later launched her famous “Just Say No” campaign.

By the time Bill Clinton ran for office, his brief experimentation with pot—he famously said he had tried it but “didn’t inhale”—had become a political punchline.

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### Emerging Criticism

Some critics have definitely emerged. Pete Sessions, a GOP congressman from Texas, recently wrote to Attorney General Pam Bondi along with eight other lawmakers, warning that rescheduling marijuana “would send a message to kids that marijuana is not harmful.”

Donald Trump himself doesn’t smoke, drink, or take drugs, partly in reaction to his brother’s death from alcoholism. But the White House seems largely on board with the idea of rescheduling. Trump pollster Tony Fabrizio conducted a survey in March that found 66 percent of respondents backed legalized marijuana, and 70 percent supported rescheduling the drug.

A senior White House official is quoted as saying: “For a lot of the base, it’s an issue like gay marriage that people have gotten comfortable with. It’s good politics.” A decision is expected by the end of the year.

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### The Role of Lobbyists and the Cannabis Industry

As with virtually every Beltway issue, well-heeled lobbyists are part of the process. Pot smoking, once an underground pastime, is now a big business.

Bruesewitz’s consulting firm, X Strategies, is reportedly being paid $300,000 by American Rights and Reform, a pro-cannabis group, for “media” services. Another large PR firm, Mercury Public Affairs, represents the U.S. Cannabis Council.

The size of this burgeoning industry was estimated at $38 billion last year—real money, even by jaded Washington standards.

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### Mixed Feelings About Today’s Cannabis

I confess to some mixed feelings. For one thing, today’s cannabis is many times more powerful than the nickel-and-dime bags that used to circulate. I always felt pot’s milder effects were preferable to alcohol, especially when it comes to driving. It does give you the munchies, though. And as a parent, I wonder—what about homework?
https://www.foxnews.com/media/dialing-down-dope-trump-white-house-moves-toward-easing-restrictions-marijuana

Bank of Japan Signals Possible Interest Rate Hike

**ChainCatcher and RootData to Co-Host ‘Crypto 2025’ Conference in Hong Kong**

On April 8, 2025, ChainCatcher and RootData will jointly host the highly anticipated ‘Crypto 2025’ conference in Hong Kong. This event will feature major blockchain stakeholders such as Stellar and Alibaba Cloud, aiming to bring together key players from across the industry.

Targeting institutional investors, the conference will highlight a potential shift in blockchain preferences—from Ethereum to Solana and Stellar. This evolving landscape is expected to significantly impact market dynamics and spark important discussions around regulatory frameworks and technological advancements.

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**Bank of Japan Eyes Rate Hike Amid Economic Forecast Alignment**

The Bank of Japan is considering raising interest rates as part of a broader economic forecast alignment. Such a move could substantially reshape Japan’s financial environment, influencing borrowing costs, consumer spending, and overall economic activity.

The central bank’s intent is to balance sustainable growth with inflation control, reflecting a strategic focus on stabilizing the economy. Market reactions to this possible rate hike are mixed. While some analysts forecast long-term economic stability if current trends persist, others express concerns about potential negative effects on growth.

—

**Institutional Investors Navigate a Critical Phase**

Institutional investors find themselves at a pivotal crossroads. Notably, there is growing liquidity movement away from Ethereum toward competitors like Solana. This significant shift in capital allocation is expected to be a key topic of discussion at the upcoming ‘Crypto 2025’ conference.

—

**Historical Low Rates and Potential Policy Shifts**

Did you know? Japan’s interest rates have remained historically low since the late 1990s, primarily to support economic recovery efforts. The current consideration of rate increases signals a potential shift toward more conventional monetary policies after decades of ultra-low rates.

—

**Trade Ethereum Futures with Phemex**

As Japan evaluates its monetary policy path, international economic conditions may be influenced, potentially affecting global cryptocurrency markets. Stay ahead by trading Ethereum futures with Phemex, where you can leverage market movements amid these evolving economic policies.

—

Stay tuned for more updates on the ‘Crypto 2025’ conference and global economic developments.
https://bitcoinethereumnews.com/tech/bank-of-japan-signals-possible-interest-rate-hike/?utm_source=rss&utm_medium=rss&utm_campaign=bank-of-japan-signals-possible-interest-rate-hike

KOSPI May Run Out Of Steam On Friday

The South Korea stock market has advanced for three consecutive sessions, gaining nearly 35 points or 1.2% during this period. The KOSPI now stands just above the 2,890-point level, although the rally may face resistance on Friday.

Global forecasts for the Asian markets suggest profit-taking, especially within the technology sectors. While European markets showed gains, U.S. bourses closed lower, and Asian markets are expected to follow the latter trend.

On Thursday, the KOSPI finished modestly higher, supported by gains in financial shares, technology stocks, and industrials. The index climbed 23.36 points, or 0.81%, to close at 2,891.35. Trading volume was robust, with 453 million shares exchanged, valued at 14.4 trillion won. There were 438 gainers compared to 414 decliners.

Among the most active stocks, Shinhan Financial jumped 1.96%, while KB Financial and SK Telecom both rallied 2.15%. Hana Financial rose 0.49%. In the technology sector, Samsung Electronics slipped 0.23%, but Samsung SDI surged 4.42%. LG Electronics gained 0.63%, and SK Hynix advanced 0.84%. Naver declined 0.79%.

In the chemicals and energy sectors, LG Chem soared 2.95%, Lotte Chemical strengthened 1.32%, and S-Oil added 0.60%. Conversely, SK Innovation dropped 1.11%. Metals giant POSCO skyrocketed 6.24%, while KEPCO increased 0.81%. Automotive stocks also showed strength: Hyundai Mobis improved 0.86%, Hyundai Motor climbed 1.46%, and Kia Motors rose 0.25%.

Wall Street’s lead was mostly negative on Thursday as major U.S. averages opened lower. The Dow inched slightly into positive territory, while the S&P 500 and NASDAQ retreated from record highs. The Dow rose by 32.39 points (0.08%) to finish at 39,753.75. However, the NASDAQ plunged 364.04 points (1.95%) to close at 18,283.41, and the S&P 500 fell 49.37 points (0.88%) to end at 5,584.54.

Early optimism regarding interest rate prospects helped Wall Street open strong, but enthusiasm waned as traders appeared to have already priced in a rate cut by the Federal Reserve in September. The subsequent sell-off resulted from investors taking profits after recent market advances, notably in leading tech stocks such as AI favorite Nvidia (NVDA), which led the retreat.

Despite the pullback, the Federal Reserve is still widely expected to lower interest rates in September. This outlook was reinforced by a Labor Department report indicating that prices in the U.S. unexpectedly edged slightly lower in June.

Oil futures settled higher on Thursday, buoyed by hopes for an interest rate cut following the encouraging inflation data. However, West Texas Intermediate (WTI) crude oil futures for August ended down $0.52 at $82.62 per barrel.

*The views and opinions expressed herein are those of the author and do not necessarily reflect the views of Nasdaq, Inc.*
https://www.nasdaq.com/articles/kospi-may-run-out-steam-friday

Trump’s new $100K visa fee could worsen state doctor shortages, experts say

In Kentucky, patients often drive up to two hours to see Dr. Manikya Kuriti, one of the few endocrinologists serving the rural communities surrounding Louisville. Her expertise is crucial for residents who otherwise have limited access to specialized medical care.

Dr. Kuriti’s husband, a pulmonologist, also plays a vital role in supporting rural healthcare. He travels from Louisville to small hospitals located an hour south and north in Indiana. There, he assists small medical teams in treating critically ill patients, bringing much-needed expertise to these underserved areas.

Rural communities have long struggled with limited access to specialized medical services, making the contributions of medical professionals like Dr. Kuriti and her husband invaluable to the health and well-being of these populations.
https://ncnewsline.com/2025/10/16/repub/trumps-new-100k-visa-fee-could-worsen-state-doctor-shortages-experts-say/