Latest Newsletter:

THOSE SKYROCKETING ENERGY BILLS UPDATE APRIL 19 2026

"DAMN, ENERGY COSTS SO MUCH, WHAT AM I TO DO?' 

 

 

 

With the cost of powering one’s home going up and up and away, I often query others I may know or run across about how much their power bills are. I find different answers from different people, but it seems like there is little rhyme or reason as to the swings in costs that are mentioned. Some are like me and have power bills in the many hundreds. We’re talking $600 or more a month in the worst months which hover around the first of the year. Our situation has the kids’ home during the holidays; the weather is cold and the small solar array I have generates little power. The combination of the three pushes me into the higher tiers as the more power you use, the higher that power cost. Sort of like the income tax structure where you pay more and more as you make more income. The kids use space heaters like lizards, stay up at night and watch TV, cook and whatever else they do. The forced air heater which heats the whole house runs constantly being winter and all. I scream like hell at both the wife and the kids that the power bill is huge and to shut down some stuff and put on a sweater, but it doesn’t work for long. What I find odd is some people I ask complain about their power bills doubling yet they still only pay something like a hundred bucks or so. I’m like “WHA”? It’s not surprising those out of state pay much smaller power bills. I travel a lot, so I ask a lot of folks the energy bill question, and it’s usually that way. If you are not in California, you don’t think about power bills so much. I have never done a survey so I may be all wet about the California thing, but it certainly seems that way. In any case, I do run into a lot of people here in California who still have puny power bills and I just shake my head. How come I have to make war with my family just to keep my power bills under $800 bucks or so while a friend across town pays a few hundred bucks if that? I call the power folks every so often and they tell me its zoning or something like that and it would take an act of Congress or God himself to get my rates lowered. Adding insult to injury, I have to use propane and well water as I am out in the country and not in city limits as are many. So now add in the propane bill which isn’t cheap. Then add in the cost of maintaining the water well and powering it and you have a giant chunk of your paycheck disappearing down the power-rat hole. I know we like to blame the power company. Oddly enough nobody seems to blame the propane company. But they a very close to one and the same, power and propane, so we probably should. All those power plants use gas, propane, liquid fuel and some even burn wood chips and other stuff. And everything the power plants use to make power keeps going up in price with all that other “stuff”. Sun and wind power help but they are not very efficient when you consider the cost to build, run, maintain and eventually dispose of the machinery at life’s end. The bottom line is everything is skyrocketing in price. And this power thing takes up a bigger chunk of my income. I think the fact that power is a necessity is a bit more irritating. It’s not like I am complaining about buying a boat, new car or fancy clothes that cost too much. It’s about staying warm, or cool, or fed, or watered. And that’s the part that bugs me. I know there are no easy solutions, and I don’t offer any here today except to say, we have to get a handle on the rising costs of all things. And water, power and heat are probably the most important reasons to do so. That and putting food on the table. The remedy to that will be offered up next week. Be sure not to miss it.

 

“Watching the markets so you don’t have to” (end) (As mentioned, please use the below disclaimer exactly) THANKS (Regulations) 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: news@moneymanagementradio.com.

 

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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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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? 

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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
  • Even if you’re not disabled from working, you may receive payment
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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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(530)559-1214

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