Latest Newsletter:

A gold and bitcoin update April 4 2024


Gold, the so called “king of metals”, has left a lot of the retail investor’s radar screens since the advent of bitcoin and other so called “cyber coins”.

Don’t know if that’s a good thing or not but it’s definitely true. Not so much as the numbers are concerned, as gold seems to be on a new tear of late, breaking through the $2,000.00/oz. resistance level it had held for years and even its second resistance level of $2,200.00/oz.

Pressing up against the $2,300.00/oz. level as I pen this and up $40.00/oz. on April 2nd, many someone’s are obviously spending their money on it, or should I say investing in it.

With bitcoin having garnered about 1.4 trillion in funds from investors, gold sports a whopping 14.6 trillion market cap.

I can’t really say for sure why gold is popping right now, but I suspect it is reacting likes it usually reacts,  that is to say it sniffs out inflation, jittery markets, societal and political upheaval, and government printing presses gone haywire. We can comfortably say we definitely have most if not all the above in today’s day and age.

Golds price topped the $2,000.00/oz. level briefly in mid-2020, mid-2022 and again early in 2023, only to back off each time. Here we sit in the spring of 2024 and this break out appears a little different. It has vaulted past those three previous highs and is a near vertical line right now. At least it was at the time of this writing.

That said, as often happens, once I publically mention something, it sneers it nose at me and backs off. So goes the fun of a financial columnist.

Both bitcoin and gold are tracking upwards and something is afoot to garner such moves in what could be called “anti-dollar” plays.

Not a whole lot of investors out there invest in either bitcoin or gold. One could say both are bought by the fringy investor. That is to say perhaps the conspiracy theorists and those that distrust governments and the paper dollars they use. Or should I say abuse?

Right or wrong, no matter who buys such things like bitcoin and gold, there is a fair amount of people buying both of these right now, evident by the price rise of the two.

The U.S. government is the largest holder of bitcoin with over 200,000 of them in its coffers. But don’t get to excited thinking Washington is a fan. Its stash of tokens was seized from cyber criminals and the dark web.

Governments, including ours, do buy gold however. Held in various places around the country, Fort Knox is well known, rightly so or not, for containing a heck of a lot of the yellow stuff, as do other central bank vaults around the world. The U.S. is said to possess 8,133 metric tons and we really don’t know where all of it is kept.

Probably a good thing.

It is said central banks hold gold to offset inflation and impart a sense of trust to their currency. Since gold has no counter party risk, is no one’s promise to pay and cannot be artificially reproduced, it is regarded at least by some as the only “real money”.

Governments on one hand possess it, but bad mouth it at the same time some might argue. The theory is they want to own it but might not like if you do.

Of course this view is hearsay and the stuff of conspiracy theorists.

I say this because I read enough business news daily to make a normal person puke, and I rarely if ever see it recommended by the major investment houses, brokerage firms or main stream analysts.

I do see it mentioned around the outer edges of investment newsletters. Those written by what you might call the more radical analysts and the so-called doomsayers of the world.

Even if financial advisory firms do recommend it, it is not a common recommendation or holding that I come across.

In conclusion, most of the press in the past few years has covered much more about the bitcoin movement than the price of gold, however the recent move in gold is indeed an interesting phenomenon that I’ll keep a close eye on.

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 services.  Email:



CALL ME (530) 559 1214 

CAL INS LIC #0L34249



What we do:

Marc is an experienced economic professional. For financial services click here: offers contact information to speak with Marc one on one and learn about what we offer so keep reading!

Marc Cuniberti, award winning host of Money Matters and Money Management Radio, welcomes you to his updated website. Money Matters articles grace the pages of many newspapers and financial media. On this website, you can download any of his radio shows by subscribing on any website page. Sign up for his newsletter or learn about his opinions about the economic world around you by clicking around the site. Of course, the radio shows are the main reason the site is here, so look through the SHOW TITLES page to hear a variety of topics,one or more are certain to peek your interest and perhaps find a show(s) that apply to your particular interest or question. 

Download programs and listen at your convenience to his uncanny ability to forecast what's happening in the world and thier economies.

Just listen to the shows!

Marc has a unique ability to explain in the simplest of terms what's really going on in our markets and what everything means in language even the novice can understand. Don't be in dark any longer about investing, those stock market terms, or what it all means. Learn about money and you will be well on your way to improving your education about the world of money around you.

His shows are said to be addictive and once you hear one, you won't be able to stop listening. Although incredibly entertaining, riveting and even humorous, the real advantage to his analysis and commentary is that it MAKES SENSE!

Listen to a show and see what we mean. Economics and your money finally have a friend that can help you understand what's really going on around us.

 A limited amount of shows are now available and this website is now at no cost by simply signing up!

Sign up for this no cost website now. By signing up you can download all the shows you want, have access to all our material and keep up with the markets and the economic world around you.Like many others, you will hear why “Money Matters” by Marc Cuniberti is the fastest growing economic show on radio.



There are many financial products in the market, and choosing the ones that best meet an individual client’s needs can be complicated.  Informed decisions about the products in any portfolio are best made after an assessment of individual needs.  Speak with Marc directly. It is that easy. 

Marc Cuniberti (530)559-1214


Market Analyst and Commentator

Small Business Consultant and Mentoring

Economic Advanced Studies and Honors Graduate SDSU in Economics

Radio Talk Show Host

Financial Columnist 

California Insurance Agent and Medicare Approved Agent 


Click the Link below for more information:

Link to services here:

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.

  • Life
  • Medicare
  • Long-term care
  • Fire Insurance
  • Auto
  • Business
  • Long Term Care
  • Liabilty
  • Event Liability
  • Annuities for income and growth

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:

  • May assist in transfer of assets. 
  • Help loved ones 
  • Assist with paying fixed expenses for your business if you become disabled
  • 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
  • Even if you’re not disabled from working, you may receive payment
  • The ability to provide a return of premium benefit (optional)
  • 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


Take a minute to contact Marc directly to schedule a no obligation phone call or meeting:




Link for services here:



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

Insurance Solutions offered by Marc Cuniberti and not affliated with Vantage Financial Group.