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Inflation Will Continue UPDATE September 14 2026

 

 

The age old inflation hedge


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The middle east crisis continues and oil spiked north of $100/bbl. last week. A client of mine showed me a report on the gasoline supplies in various areas of the United States and it was not encouraging.

Petroleum Reserve crude inventories fell to 311.45 million gallons in the week ending July 17, which is the lowest level since 1983.

With inflation’s relentless climb since the Covid shutdowns, doing the math on the money created to finance the massive bailouts, I am of the opinion that the price of oil will not come down significantly any time soon.

I would say “if at all” as it relates to oil’s future price, but knowing the resilience of the oil industry, if not constrained, it can ramp up enough production to at least get the price back under $100/bbl. and perhaps even in the $80/bbl. range.

Any lower than that I think is out of the question as the inflation we have been experiencing since Covid is baked into the cake and therefore prices of everything will stay elevated for years to come.

Barring an economic collapse that is, which could happen, given the ongoing erosion of the consumer’s pocketbook due to the same inflation.

Not to be too negative mind you, but prices have always risen over time since about the 1900’s due to the policies of modern governments, and the latest round of inflation in the past few years has been particularly egregious.  

Tariffs are estimated to have added 235 billion to retail costs. The increase in oil prices has done further damage to consumer pocketbooks. Covid bailouts dwarf the latter costs at an estimated 5 trillion. The Federal Reserve also increased its balance sheet by an estimated 4.5 trillion. That’s a fancy way to say it financed a good portion of that bailout money by creating dollars out of thin air.  More monies went into financial `system` to address liquidity concerns that also occurred because of the shutdowns. 

Can you say bank bailout?

Right or wrong, experts will certainly debate the whys and how’s of the whole mess for years to come.

Subsidies to both consumers and businesses alike have pretty much run the gamut since the 1960s’ and show no signs of stopping.

Whether one agrees with subsidies to either group is highly debated but the effects are clear. Government spending that exceeds government income is known as deficit spending. Most, if not all governments of the world, practice deficit spending on a grand scale. 

And the scale gets grander seemingly every year.

As such, inflation is accelerating and this analyst sees no relief to that acceleration.

On many of my past radio shows, I often ended many economic discussions with “You ain’t seen nuthin’ yet.”

And sadly, once again, I am afraid you still haven’t.

“Watching the markets so you don’t have to”

 

This article expresses the opinion of Marc Cuniberti and is not meant as investment advice, or a recommendation to buy or sell any securities, nor represents the opinion of any bank, investment firm or RIA, nor this media outlet, its staff, members or underwriters. Mr. Cuniberti holds a B.A. in Economics with honors, 1979, and California Insurance License #0L34249 His insurance agency is BAP INC. insurance. 

 

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Insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably. I have access to a variety of insurance products that can help meet your security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.

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A Word about Life insurance:

In the event of death, life insurance may offer surviving family members financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

 

The advantages of life insurance include:

An instant estate for your loved ones at a time when funds are most needed

  • Death benefits that are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

Long-term Care, Disability and Critical Illness insurance, Lifetime income strategies and Medicare:

Help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance.

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.

Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.

Questions about Medicare? 

I can help navigage the programs.

I can also help you choose the long-term care and disability insurance products that provide advantages like:

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  • Support the buy-out of a disabled partner’s share of a business.

Critical illness insurance and Medicare Policies

Suffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that will reduce financial stresses and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on recovery.

The advantages of critical illness insurance can include:

  • Coverage for up to 22 critical illnesses or conditions
  • An initial lump-sum benefit you can use however you wish—from making mortgage payments to seeking medical treatment outside Canada
  • Home-care costs during illness and recovery periods
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  • Individuals who cannot obtain disability insurance in some cases still qualify for critical illness coverage (e.g. a non-income earning spouse)
  • Medicare Policies and information. Let me walk you through the best options for your situation

Contact me today to determine whether critical illness insurance fits into your financial security plan.

 

There are also new “hybrid” plans available that combine the benefits of life insurance or annuities with long term care coverage and at a cost that may be more affordable than you think. Contact me today so we can assess your needs and develop the best strategies for your specific situation to give you the peace of mind you require and protect your family and loved ones.

 

Mark (Marc) Cuniberti- California Department of Insurance License # OL34249

 

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This website expresses the opinions of Marc Cuniberti. Past performance does not guarantee results.

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