 Dear Reader, I started rating the safety of banks in the early '70s. Over the last 50+ years, I've warned my readers about the bank failures of the 1980s and 1990s, the Dot-Com Bust, the 2008 housing collapse and more. But today, I'm writing to you with a different kind of warning. One that genuinely frightens me. This time, the threat to your money isn't coming from reckless Wall Street bankers. It's coming directly from the Federal Reserve itself. Through a program outlined in the Federal Reserve Docket No. OP-1670 — known as "FedNow" — the government is quietly rewiring the entire American banking system. Simply stated, the Fed is building a centralized hub that will process every transaction in the U.S. … giving it the ability to track every transfer, bill pay, purchase or donation you make in real time. That, in turn, could give them unprecedented power to cut off your access to your savings if they decide you're not in "compliance" with whatever their policy agenda dictates at the time. Or maybe even confiscate your savings when the need arises like it happened in Cyprus in 2013. In all my decades studying the U.S. economy and banking system, I've never seen anything as scary as this. If you value your financial privacy … If you believe your money belongs to you and not Washington … Now's the time to act. I've spent the last few months putting together 4 specific, legal steps to "Fed-proof" your checking and savings accounts. I urge you to take this threat seriously. Review these 4 steps immediately, right here. Good luck and God bless! 
Martin D. Weiss, PhD
Weiss Ratings Founder P.S. The Fed is counting on the fact that ordinary Americans won't read a 93-page document until it's too late. I've read it and that's why I'm begging you to act while you still can. Get the 4 "Fed-proof" steps right now.
This Month's Featured News RingCentral's Cash Flow Hit a Record—And It's Fueling Bigger ReturnsSubmitted by Nathan Reiff. Date Posted: 2/28/2026. 
Key Points- Cloud-based communications firm RingCentral is up 23% in the last year but remains a Hold, with analysts skeptical about the company's ability to continue its rally.
- Still, a promising Q4 2025 earnings period brought top- and bottom-line wins as well as impressive AI ARR growth.
- The company's pivot to agentic AI tools presents ample room for continued growth, but risks remain.
- Special Report: 7 High-Yield Dividend Stocks You Need to See (From TradingTips)
The end of 2025 was bright for cloud-based communication technology firm RingCentral Inc. (NYSE: RNG). Though still a relatively small player with a market capitalization of about $3 billion, RingCentral's agentic AI strategy is nascent yet positioned for potential gains. The company impressed across several financial and growth metrics and announced its first-ever dividend. Still, investors remain cautious. Shares are up nearly 23% over the past year and spiked after the company's late-February Q4 2025 earnings report, but only four of 15 analysts rate RNG a Buy, producing an overall Hold rating. Wall Street's consensus price target is $34.04, roughly 4% below the current share price. In 1934, the government executed a legal maneuver that transferred billions in wealth overnight—most Americans had no idea it was coming, a small group who saw it early walked away wealthy, and everyone else paid for it. Trump has the same legal authority today, advisors close to the administration believe he's considering using it, and if he does, the transfer happens fast with the window to be on the right side of it already closing. Get the free report on how to position yourself now How should investors reconcile RingCentral's positive developments with that broader caution? For those willing to accept the risks of investing in a smaller, up-and-coming company within a well-entrenched industry, RingCentral shows multiple signs that it could sustain its growth trajectory. RingCentral's Financial Position Remains Stable & GrowingRingCentral's Q4 year-over-year revenue growth of 4.8% was modest, but the company beat analyst expectations on both the top and bottom lines. That performance was supported by steady customer growth across multiple product categories and increased interest from prospective clients. The firm's financial strengths extend beyond revenue and earnings. It generated a record full-year free cash flow of $530 million in 2025, and its full-year GAAP operating margin turned positive at 4.8%. The influx of cash allowed RingCentral to double its share buyback capacity to $500 million. The firm has also announced its first dividend payment of $0.075, payable on March 16. Those results support RingCentral's optimistic 2026 guidance: 4.5% to 5.5% subscription growth, free cash flow of $580 million to $600 million, and a non-GAAP operating margin of 23% to 23.5%. The company also plans to reduce gross debt to $1 billion, a move intended to help secure an investment-grade rating. The Role of Agentic AI in RingCentral's Growth TrajectoryRingCentral's agentic voice AI strategy targets business-to-consumer (B2C) applications—enabling its business clients to answer calls faster, handle more inquiries with higher quality, and pursue a larger number of leads. Early results from the company's AI initiatives have been encouraging. RingCentral nearly tripled its pure AI annual recurring revenue (ARR). AI product attach rates—sales of AI add-ons purchased in addition to other RingCentral products—more than doubled year over year and now make up about 10% of ARR. AI users also show stronger retention and higher spending compared with non-AI users. AI adoption is accelerating, helping RingCentral expand its AI offerings. Its flagship AI Receptionist (AIR) has 8,300 customers, a 44% year-over-year increase. That growth is impressive but still leaves significant room for expansion as the company builds its AI user base. What's in Store for RingCentral InvestorsDespite the promising developments, there are reasons for caution. Revenue growth has slowed in recent quarters, and RingCentral faces intense competition from much larger companies with advanced AI capabilities, including Microsoft Corp. (NASDAQ: MSFT) and other tech giants. Even with improving free cash flow and shareholder-friendly actions like buybacks and a dividend, RingCentral still carries a substantial debt load. That leverage could become a problem if the company encounters setbacks in its effort to become a leading provider of agentic AI communications. Additionally, if RingCentral emphasizes AI products at the expense of its traditional cloud communications offerings, it risks narrowing its addressable market to customers focused primarily on AI.
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