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Crash ! Update May 1 2022

CRASH

 

 

Friday, April 22, the Dow lost almost 1000 points. We had not seen that bad of a day since 2020 when CoVid hit.

Keep in mind, after that similar day in 2020, the Dow screamed back even higher soon thereafter, so hope springs eternal.

Investors might take heart knowing that bad sell-offs can be followed by equally eye-popping rallies. Not to say the pain is over, as there usually are reasons for massive routs, and this crash is no exception.

The NASDAQ actually started its slow motion crash late in 2021. In my opinion, the sector represented by the NASDAQ simply got too frothy, and it finally reversed as investors took profits.

That was followed by investors finally taking notice, at the start of 2022, of the inflationary forces that had been accelerating for about a year. Consumers likely knew prices were jumping more than usual. You would have had to live on the moon not to notice.  But in the market, fear tends to surface all at once, and can come to a head in a horrific crash on any particular but obscure day that no one can predict.

Detailed in numerous Money Matters shows and articles, and shouted from the roof tops on many news media outlets, inflation had been getting worse for months, and it was only a matter of time before the Federal Reserve (FEDS) decided to do something about it.  Originally believing it was “transitory” (in their own words), inflation was actually just getting started, and similar to other times in history, the FEDS were late in correctly assessing the severity of the crisis.

FED speak soon hit the newswires, and they warned a reduction in Quantities Easing (Q.E. for short and basically is money printing) was coming. They also revealed an increase in interest rates was to be undertaken. The news prompted the first sell off beginning in January. The market anticipated the usual 1/4% increase we had often seen in the past.

Once that bitter pill was swallowed, the markets somewhat stabilized, only to be rocked again when the FEDS upped the ante and starting talking about 1/2% increases. Investors appeared to shake that off after another market set back, and then the Ukraine problem hit the wires.

The first few weeks of late March and early April offered up some hope with some green numbers bouncing the markets and indeed, many key metrics signaled the worst might be over. The market looked like it had somewhat stabilized until the FEDS once again raised the stakes and mentioned possible 3/4% increases were on the table.

Subsequently, and hence therefore, Friday turned more than ugly. Investors likely saw red in their portfolio balances and probably more red then they have seen in a long, long time.

Keeping in mind no one can predict market movements at any time, we can only guess as to what will happen next. Will we once again wash the bad news down with the elixir of time, and see the markets rebound? Or will the carnage continue and test the March lows once again, which would be another 900 or so Dow points? Could it even go lower?

We won’t know the answer until it is well in the rear view mirror.

One thing is certain. Inflation is bad and getting worse.  Ditto for the FEDS interest rate forecasts. Keep in mind, the FEDs haven’t even done anything yet. So goes the effect of interest rate announcements on the market. Sometime the anticipation of the event causes more damage than the event itself.

The key to the whole thing will be how inflation responds to the FEDS actions and whether the FED’s current plan of interest rates increase does the trick, or if even stronger medicine may be needed.

 

This article expresses the opinion of Marc Cuniberti and is not meant as investment advice, 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, SDSU, and California Insurance License #0L34249. His website is moneymanagementradio.com, and was recently voted Best Financial Advisor in Nevada County. (530) 559-1214

 

 

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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. 

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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. 

 

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Link to services here: https://www.vantageauburn.com/marc-s-services

 

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:

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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.

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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.

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  • 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:

 

Email: mcuniberti@vantageauburn.com

(530)559-1214

Link for services here: https://www.vantageauburn.com/marc-s-services

 

 

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.