Five years ago, the first baby boomers started hitting age 65. Fast forward to today: 10,000 baby boomers a day start turning 70 this year. This could mean that a lot of the money that has been holding up and supporting the markets for three decades will be coming out for income due to Required Minimum Distributions (RMDs).  Will they put the money in the bank or put it back into the market? How will it affect stock prices over time?  Steve and Sinclair review RMD rules outlined in the Wall Street Journal by an attorney who specializes in RMDs. Then, in the Q & A,  Steve gives a consumer alert on annuity bonuses, death benefits, and income benefits--and what to look for and be careful about.