Latest / The Curve / TCW95: A guide to surviving Black Friday.

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TCW95: A guide to surviving Black Friday. · The Curve

• 0:00
  Welcome to the Curve Weekly, the podcast that keeps you up to date with all of the money
• 0:04
  business and stock market too. Brought to you by the Curve's research team,
• 0:07
  that's the latest insights on what's happening in the stock market, companies,
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  other money-related news so that you can stay educated and adhere to the Curve.
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  You can thank us later for sounding smarter than those finance bros you need to turn our party.
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  Sove? Yes. It is. Exactly. One month into a Christmas.
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  Would you believe, I'm sorry, I hate being that person saying,
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  oh, that's a year's gone so quickly, but honestly, well, the Christmas lights in London got like
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  mid-November. Yeah. It's quite a thing. I reckon the shops were like having Christmas shit in
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  October? Yeah. I know, I'm like every year, I'm wondering more and more, how can I get myself
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  out of Christmas? Like, I love the festive season, I love the light, I love the Christmas
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  markets. What I don't love is buying 25 gifts. Yeah. It feels like forced to love. I know that
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  sounds weird, but it's not like, oh, I love you so much, I bought you a gift. It's like, it's like,
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  where's my gift? Yeah. It's really expected. I don't know why, I struggle with it, but yeah,
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  I mean, the idea of having to buy, I was thinking yesterday, I was like, maybe I'll message
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  my whole family and just say, can you just count me out of gifts this year, but is that Grinchy?
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  It is a bit shit. Oh, it's just, I find if people do that, there's always that one person that's
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  like, I know you said not to get a gift, but yeah, I mean, you just feel terrible, you know, and you're
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  like, why? We said no, but yeah, it's, I try and start. I know, this is what makes me feel
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  almost worse about myself is that you've done all your shopping by June. I honestly just like
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  drip feed the purchases. So then when it comes Christmas, I'm like, oh, I've already got
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  mums, I've already got dads, you know, like, I try and buy opportunistically if it makes sense.
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  Yeah. Yeah. But so then it's not like, oh gosh, I have to fork out for like,
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  teen gifts this Christmas. I mean, it's great planning. How many gifts, if you're being 100%
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  honest of all of them that you need to get heavy got? My sister is probably the only one I have
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  don't need heavy yet. Yeah. And that's because I reckon she's a hard person to buy for. Yeah.
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  And that's so funny. The stuff she's seen through. And I'm like, what does it like ever take a bag?
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  Can't have a bag, can't have a bag. No, it sounds very familiar, actually.
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  Yeah, I do exactly the same. I was about to say, it was Vick's birthday yesterday and I was like,
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  what are you doing for, you know, your birthday? And she was like, well, you know, I've seen ideas
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  through, you know, for where I want to go for dinner. I'm like, of course, you have to want to
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  bake places. I'm going to. Yeah. Yeah. Yeah. I had a great birthday. 36 and thriving. 36 and
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  what is something that rhymes with 36, 36 and really the mix and mingle.
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  36. Oh, that's exactly what I'm not doing. I reckon I had one of probably the most chilled
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  birthday's I've ever had last night. Yeah. Yeah. Yeah. Yeah, we had one by midnight. That was
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  never me. Cute little drinks for that last night. And someone actually said you weren't drinking
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  and I thought, wow, that's off brand. I was like, surely she is. And then like half an hour later,
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  I was like, oh, so now you're not drinking? You're like, yeah. Not drinking? What?
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  Yeah. No, it was really beautiful, beautiful night. That was so nice. I remember when there was
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  there was a cake with candles and seeing her birthday. And I hate that. But then I also kind of
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  love it. I know because I was like, come on, bring the cake. I was just like, please don't
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  sing. And I was like, oh, okay. And then I just. It's just more for the other patrons. You know?
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  Patrons. Yeah. The other people that are like, just trying to have a nice romantic dinner.
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  Oh, so you're thinking all the rest of the ratio. Yeah. And everyone's like, there's all these bunch
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  of kiwis in the corner going, happy birthday. You know. Yeah. Yeah. But anyway, it was beautiful.
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  And I remember looking around when you were I was singing and I was like, wow, quite special.
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  Yeah. Yeah. You know, she got some friends in London. But anyway, so back to the sort of like
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  Christmas saga shopping situation. You having your birthday so close to Christmas.
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  Quite stressful, firstly. I always get joint presents and it sucks. Yeah. It was hard to buy for
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  you this year. I must say. Yeah. Secondly. I've seen you my last next time. Oh, yeah. Genuinely,
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  I was going to message you and say what is on your list? Because I'm struggling. But I just feel
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  like I'm surrounded by gifts and then with Black Friday and the amount of emails that I'm getting.
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  I think I have 500 emails and my social media is full. I'm constantly perusing websites.
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  I know. It's so dangerous. Yeah. It is. And one of the key things with Black Friday. It is
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  actually a great time if there is gifts that you want to get for Christmas or for anything.
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  If those products are genuinely on sale. Well, see, this is the thing.
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  I feel conflicted by Black Friday in the sense that so many people have said things to me recently
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  about how they hike prices before and then they just can't wait. Is that true? Yeah.
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  That's outrageous. Yeah. So Black Friday is on the 29th of November. So it is a good time to buy
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  Christmas presents. It's just a month before Christmas. But it's now a used to be one day.
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  And then now it feels like a month retailers are on to it and they're like, well,
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  if everyone's going to go on sale on the 29th, why don't we do the 28th?
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  Oh, good lord. The thing is, and this is one of the best things that one of my friends does.
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  She has a list on her phone all the things she needs. And I think that if you aren't going to buy
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  around this time, not just because it's so easy to get distracted by an email, a really good
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  EDM. If you stick to a list and you actually got planned things that you need to purchase,
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  can be a really good opportunity. I would suggest kind of unsubscribing or ignoring the emails
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  that come in. Please don't unsubscribe from the curve. I mean, retailers that are trying to sell
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  you things. Yes. Not educational platforms. It's a bit overwhelming when you've got like 100
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  of them coming in. It's tight time consuming to unsubscribe. Yes. So is it something we should
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  be buying into or not? Because I don't know how to approach it and I feel conflicted. Because
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  on one side, I'm like, maybe I could save money by shopping and buying things now, but the other
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  side, I feel effectively a bit weird and I don't know why. What you see it is really good,
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  writing, writing on a list or having things saved on your phone that you actually want to buy.
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  And then checking the prices, I mean, this is great advice now, Vic, before Black Friday and
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  seeing what the price is. And if it is a good discount and you've wanted it for ages and you've
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  budgeted for it, then then purchase it because it is on sale. So it is good to take advantage of
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  sales when it's stuff that you actually need. Not when you're just getting served emails or
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  ads, but the other thing is it is a great time to buy Christmas presents because if stuff is
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  genuinely on sale, then you can save a lot of money. One really great way and honestly,
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  it's something that I've been using is the shop bag app. It's an app where you log in and
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  they've got all these brands and you can actually get money back when you purchase.
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  How does that work? So it's like, I will go on there and I might buy something from say
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  Dyson. Yeah, I might buy something from Dyson and it's like, okay, if you buy something, if
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  buy a product from Dyson, you get one, two, ten percent cash back. So I literally get cash back.
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  Like it. Yeah. I mean, Dyson, I have been looking at it. And we need to Dyson for the office as
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  well, actually. I know. I was thinking about that. Yeah. I had a little peruse on shop back. I was
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  so angry. What? I was so angry. So I went to the COTS World's last weekend for my birthday.
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  It was my birthday. No one realized. Also, by the way, at the end of the
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  episode, we have got a surprise of something and I actually don't know what it is, but I'll
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  produce it in Malay. It was like, you're not allowed to listen to this, but it's for Vix
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  birthday. And I'll say, I'm kind of nervous. Oh my god. I kind of trust her. I trusted her too.
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  Yeah. I would be like, oh, no, no. Yeah. Well, she was like, you're not allowed to listen. I'm like,
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  oh, no. Anyway, I went to the COTS World's beautiful spot. We had to hire a card to get around
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  because it's kind of hard to get around in the COTS World's and we hired a card from Europe
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  card. Then I was scrolling through shop back and I saw that you can get cash back if I was
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  so angry. Oh, no. I was just like, oh, but I'm really excited because I don't have a card when
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  I go home. So I am going to hire a card through shop back and save lots of money. It all
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  leads up. Do you mind me? Is it easy enough to use? Because I think that's the thing. If you're
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  saving 15 pounds here, like 30 New Zealand dollars and then you're doing that five times,
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  that's actually quite a lot. Yeah. I think that's the thing is here. What I'm getting is we need to
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  be more organised because if you were to scroll through shop back and you realised that actually
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  the cars were on there, you could get a dice and you get money back. If you plan that just like
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  you showed with Black Friday, what would be kind of two or three things that you would want to buy
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  in this in this sale period? And we'll see if it's on shop back. I don't know because I'm not
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  planned. What would you want? I was walking through London the other day and I was on my phone
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  and I had my coffee and my dog. I had a lot going on in my hands and this bike drove past and kind
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  of circled back and I, my heart skipped a beat and I was like, oh my gosh, I was like, he's come
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  to stand my phone. Which by the way for anyone that isn't in London, this happens a lot.
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  Oh, the time. Really? Yeah. And so then he came back behind me and I was like, no, absolutely not.
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  Quickly put my phone in my handbag. It's so lucky you were on to it. And then three people are
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  here. Snatched the phone. So he was, he was after me. I was like, I need a phone case. I need a
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  strip on my body. You're going to copy all so people right? I went to look on shop back and I,
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  there's a case of I brand that sells phone cases. And I was like, oh my god, amazing,
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  I'm going to get that, I'm going to get that. And then another thing is I'm going to Japan in March.
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  I'm so jealous of that. Wait, you can get a combination. You can say so much on a
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  combination. Yeah. Okay, right. Emirates flights. You can say on Emirates flights.
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  Whoa. Okay. Okay. This is actually quite a hat. I was really surprised at what was on there.
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  But I think maybe a good thing to mention here though is that this week with Black Friday happening
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  with sales going on, if you are going to buy something that you either need or that's on your
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  list or that's a Christmas present, you can check shop back and then maybe it's like you're getting
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  60% off. Because I was such a shop back fan. I actually spoke to Danny and Danny is our
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  commercial director at the coast. And I was like, hey, you had an idea to do head of content.
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  And Slough doesn't even know this, but I've got a little gift for our listeners.
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  Yeah. Well, those in New Zealand Australia. What? If you sign up with shop back and you put
• 10:58
  on curved 10. Yeah. You'll get a $10 bonus. That's quite good. Yeah. Did you do that just so when
• 11:04
  you're good, New Zealand? I know. Yeah. They've got like, I'm chemist warehouse. Yeah. New
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  world. I know. Oh my god. They've got heaps of good ones. Like just do all your supermarket shopping
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  through there. Shit, that's great brainers. Oh. You got a Paris Georgia. What? I know. On there.
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  No. Okay, that's really good. How? Okay, we love that. So now that we're giving you a little
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  financial gift to help alleviate the pressure, this Christmas will jump into some finance content.
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  Okay, great. So I bought Netflix shares. Damn, why don't you tell me this? I really hate that you
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  make decisions without telling me. I've been there. It's about 90% this year. So I kind of missed
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  the boat a little bit. Damn, I'm so long term long term long term long term. I sold mine.
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  Well, you still own a little bit of it. No, I don't. I said, we've had 100. Not barely. Well,
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  anyway, there was this boxing match last week. Not sure if you heard of it. Jake Paul,
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  27 year old, fought Mike Tyson. Yes, I did hear about this. My black mates were talking
• 12:02
  about Mike Tyson. Mike Tyson is like 60. Well, isn't it quite, like, actually quite sad?
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  Yeah. As in he was, there's like a 20 year old, wasn't it? Yeah. And then he was fighting.
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  Yeah. And he got like super, like, superficeted. Yeah. It has been touted as an embarrassment,
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  both on a sporting and a technical level. This was Netflix's first foray into live streaming.
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  God, that's huge. Yeah. So it opens up like a whole new channel for them, something they
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  haven't really dealt with. There was 65 million people that churned in to watch that.
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  Okay, let's just compare that to like, I don't know, some other live match that's not been
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  streamed on Netflix. How does it, how does that compare? Well, yeah, I've just Googled like
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  the Australian open. You get about 10 million people. Wow. Okay. It's got 280 million subscribers.
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  And it had 65. Well, that's a lot. Yeah. Yeah. It's a lot. But there was huge technical issues.
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  What happened? There's about 100,000 people that couldn't watch. I don't know. There was
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  some technicalities going, God, I can't imagine Netflix having technicals. You know, like it's such a
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  trust as 65 million people. Just imagine that revenue stream now. And for advertisers, like,
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  you're bringing that many people, I'm just, I was like, this is game changing. So did you
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  invest when you saw that? Yeah. We're going to have to sort out those technicals because that's
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  not good. But they started off with streaming other people's shows and movies. They've
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  then now gone into their own originals. They've now gone into gaming. They've now gone into live
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  streaming. Like, when you're in the homes of 280 million people, tick, tick, tick, tick, tick, tick,
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  yeah. But there's actually been some massive news last week. Oh, this is the huge news.
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  This is the huge news. Okay. Like, it's huge because it's a huge company. It's huge because
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  it's like monumentous. And it's huge because it's, we use it every day. Okay. Tell me what's
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  Google might have to sell Chrome. It's searched really. Yeah. Why if this law gets passed?
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  It's probably break up. Yeah. Also, it's still happening. It's still happening. We spoke about
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  this maybe a month ago. Yeah. That there's these big tech companies. There's about seven of them.
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  In the S&P 500. So a lot of them are listed in America as some of the biggest companies
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  really in the world. Yeah. And because they're so massive, there was news that came out that Google
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  may have to break up parts of its company to make it more kind of fair for other players in the
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  tech space. Yeah. And it's like, it's this department that's called the anti-trust kind of
• 14:32
  department and the department of justice. They just make sure that businesses are behaving right,
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  that there's enough competition, there's enough innovations, enough small businesses coming
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  through all of that. So it makes a really healthy competitive environment. And they're like,
• 14:47
  Google is just getting too big. So Google has 80% of the global search market. So 3.5 billion
• 14:54
  searches a day. Go through Google. Tell me what the last thing is you Google? Top Mexican
• 14:59
  Japanese restaurants are not in health. Mine was so niche. When was Fred again playing in Auckland?
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  So yes, Google could be broken up and Chrome could either be sold to someone else. It could be sold
• 15:14
  as a separate, to be divested, a separate company. So we could invest in two companies. And they're
• 15:18
  both public. There's so many options, but she has fell on this news because this is a forced
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  divest. Right. Usually companies will divest smaller parts of their companies because
• 15:29
  it's not getting attention. It deserves it's not growing. It's not reaching as potential. This is
• 15:33
  the opposite. This is reaching as potential too much. And that's when the government's coming in
• 15:37
  going, hang on, the whole company is taking up too much of this market. And we need you guys to split
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  to be more competitive. So Google search is the biggest division of Google. So it's like over 60%
• 15:51
  everywhere when you. And that's now not going to be a part of it. God, do you be absolutely
• 15:57
  shitting yourself with Google? I mean, this is a pretty mementos case. Do you think it will go
• 16:03
  through? I think it'll be fought till the death. And the whole point of this podcast, particularly
• 16:09
  the Curve Weekly, is to talk about news that's happening and stuff that's happening in the stock
• 16:14
  market and with businesses. At the same time, we are simultaneously encouraging people to invest
• 16:19
  for a long period of time. So for those who are invested in Google, either directly in the company
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  or S&P 500 whatever, what advice or thoughts or like what does this make you think?
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  Because to me, it sounds really scary. Yeah. I think it's just that there's going to be more
• 16:36
  and more crackdowns on these big companies because they are becoming so dominant. These companies
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  have acquired hundreds and hundreds of companies. They just gobble up the competition. But then
• 16:44
  they've also helped us be so productive and we can't work without them. And we host everything
• 16:51
  on Google. The takeaway is just be aware that these big companies have gotten so incredibly
• 16:58
  massive. Their share price returns have been absolutely phenomenal. But it seems like the
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  getting to a point where there is a limit. There is a limit from a regulatory point of view.
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  And so yes, if they did split into two businesses and you were a holder of alphabet shares,
• 17:15
  you would no doubt get shares in the new business by default because
• 17:19
  there's kind of nothing to worry about. So you would then own two businesses that were maybe
• 17:23
  majority owned by alphabet or how it works. But then those two businesses might not be as efficient
• 17:29
  because there's scale benefits of being together. So there's also at a cost of splitting up two
• 17:33
  businesses. So there's so many things, but I think you don't have to do anything and be reactive
• 17:38
  now to this news. It's just to be aware of. But we'll keep you updated with this news because I
• 17:42
  think it'll be quite... It'll be in the headlines for a while. Ben and Jerry's is actually sewing
• 17:48
  uni-leaver. Why? One of the biggest companies in the UK. Oh my god, why? Why? Why? I mean,
• 17:53
  surely most people know. Ben and Jerry's is an ice cream brand. I need it. They have cookie dough.
• 17:58
  I haven't had it. Oh, it's so good. And my friend, my flatmate, could always tell if I was
• 18:02
  hungover because it always would be Ben and Jerry's in the freezer. So uni-leaver owns Ben and Jerry's?
• 18:07
  Yes. So Ben and Jerry's is sewing uni-leaver. Now the relationship's got a bit frosty.
• 18:13
  You just can't be trusted. Oh, no, sorry. I couldn't help myself with that one. But anyway,
• 18:20
  okay. We need to go back to 2000. So in 2000, uni-leaver bought Ben and Jerry's. The bought it
• 18:27
  for about $300 million, but there was a quite a strange agreement is that even though Ben and Jerry's
• 18:33
  was part of uni-leaver, it could have its own board. I think there was its own little company inside
• 18:37
  a company. Fast 40 year 2021 and things went a bit sour. Ben and Jerry's is pro-Palestine.
• 18:44
  And they stopped selling Ben and Jerry's ice cream in Jewish settlements in Israel.
• 18:50
  They said that selling ice cream there didn't align with their values.
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  I think there's a lot of businesses that don't put their money where their mouth is when it comes
• 18:59
  that kind of thing. So just, you know, to say we're there like, no, I completely disagree with
• 19:04
  what's happening and therefore we're going to take a probably massive profit here. It gives
• 19:09
  me hope and in people that people come before businesses and stuff like that happens. But then
• 19:16
  uni-leaver, so the parent company had pressure from investors and other kind of key stakeholders.
• 19:24
  And so they had to sell the Ben and Jerry's Israeli business to a licensee. So they kind of
• 19:30
  had to carve out a small portion of the Ben and Jerry's business because they didn't want to stop
• 19:35
  selling ice cream in Israel. Anyway, Ben and Jerry's was like, hang on a second, we've got our own
• 19:41
  independent company, you didn't get permission, you sold that off. So it's been like contentious
• 19:45
  ever since. Now Ben and Jerry's is saying that uni-leaver is stopping it from making statements
• 19:52
  supporting Palestinian rights. So it's getting really, really political. Ben and Jerry's is
• 19:57
  accusing uni-leaver of silencing them and they're like, we've got our own board, we've got our
• 20:00
  own independent company essentially that you can't do that. So it has got so sour and to be
• 20:08
  honest, Ben and Jerry's is such a small portion of uni-leaver. They're probably like, why
• 20:11
  aren't Earth did we buy this person? You know, like why? This is quite a headache. Now uni-leaver
• 20:15
  is trying to sell their whole ice cream business. So not just Ben and Jerry's, the whole portion.
• 20:20
  It's like, it's just over ice cream. They're really struggling to sell. But when you're coming back
• 20:27
  to divesting, that would be, and I'm just using historic examples, probably a really good
• 20:34
  investment is to, because the ice cream division isn't getting the love and attention it deserves,
• 20:39
  so that could be a good investment. But now you've got this Ben and Jerry's situation going on.
• 20:42
  So anyway, it's just like uni-leaver has like over 400 brands and it's 120 billion dollar
• 20:50
  business. And Ben and Jerry's is this little tiny, niggly blip in the uni-leaver brand. So yeah,
• 20:56
  it's it's it's it's smallest, it's it's least profitable part of the uni-leaver business.
• 21:01
  So they're basically getting rid of the whole whole ice cream, whole ice cream part of the
• 21:06
  business. Yeah. I love hearing about this kind of thing. I find it really fascinating, but I don't
• 21:11
  want to do with it because I think Ben and Jerry's has been such a headache for uni-leaver. And
• 21:15
  now they're looking at selling their entire ice cream business, which is which includes a lot of
• 21:19
  other brands. There might be an opportunity if you're a Ben and Jerry's lover or you love ice cream
• 21:26
  in general, you might be able to invest in an ice cream business sooner rather than later. Maybe
• 21:31
  an interesting takeaway could be even though uni-leaver is wanting to sell this part of the business,
• 21:37
  it doesn't mean that it's not profitable. It's not because it's not a successful part. It's
• 21:41
  there's there's other underlying reasons. And like we kind of touched on before, when when larger
• 21:47
  companies divest smaller divisions, they tend to do very, very well. Zoe test is one of those
• 21:53
  that animal health company that I talk about. Is it a company or is it a company and it was part
• 21:58
  of Pfizer. And it got spun out, Pfizer's big pharmaceutical company and it got spun out.
• 22:03
  It's like a pure animal health business. Yeah, and that's done fantastically well.
• 22:08
  So I mean, there's just one example, but there is a lot of examples where companies do very,
• 22:14
  very well when they get spun off. So what's this space? Oh my god, I nearly forgot, because this is
• 22:20
  your birthday episode. We have something to play. I know I'm actually quite nervous too. I'll
• 22:24
  produce an emily sent this to us. It says, top secret birthday message xxx. I don't know I'm
• 22:31
  clearing my throat if not of that to say anything. Hello listeners, I'm Emily, the podcast producer
• 22:36
  for the course and I just wanted to jump in to quickly say a massive happy birthday to Vic.
• 22:41
  Now, if you've been a listener for a while, you'll know that Vic isn't just an incredible financial
• 22:45
  educator. She's a powerhouse. She works tirelessly to share her knowledge and help women everywhere
• 22:52
  feel confident about their finances. So on behalf of the 40,000 women that you taught Vic, thank you.
• 22:58
  Vic, you've dropped so many pearls of wisdom over the years, but let's be honest, every gem comes
• 23:03
  with a few... How do I say this? A few rough drops? I'm on two fences with this. No, I'm on the
• 23:10
  fence with this. Probably wanting to keep a bit of fuel. What do you want to call it? Firepower,
• 23:14
  fuel power. I put sleeve. Fuel in the tank, that's it. And so this one's going to kick you out of
• 23:19
  your down. No, this one's going to not stay if you put salt in the wounds. It's going to be a good
• 23:24
  choice. So I guess a bit of saying it's like that whole leader. Why does it lead a horse to water?
• 23:29
  No, teach it. Give it... If someone... Oh, I'm going to stop. That's all I get. Yeah, you're
• 23:34
  about... You're... Yeah, I'm just going to shut up. I didn't really have anything good to say
• 23:38
  for that one. Yeah, and there was that whole falafel... falafel? It was a delicious falafel.
• 23:46
  What was I trying to say? You sure want to say, go fuck up?
• 23:50
  Okay, let's get serious for a moment. The platform that you've built alongside SOF is responsible
• 23:57
  for empowering women with education and the tools that they need to change their financial
• 24:01
  futures and build generational wealth. That is no small feat. And so, probably,
• 24:06
  there's a message from one of the students that you've taught.
• 24:10
  Happy birthday to Victoria. My first niece was born this year and I've decided to make her a
• 24:17
  little book called Fraz Investment Portfolio. And this Christmas, I'm giving her $100
• 24:23
  and putting it into her Kiwi Saver account. And for the next 18 years, I'm going to be
• 24:29
  the released Angie Aunty. And she's going to think that I've given her no presents.
• 24:32
  But I'm going to give her $100 for every birthday and Christmas. But I'll give her a little
• 24:36
  certificate once she's old enough. We're going to kind of sit down and track her progress and talk
• 24:43
  about compounding interest. And that's all thanks to you, Victoria, with your sharing of what you do.
• 24:50
  So, cheers to you and your birthday, Vic. And here's to the next 40,000 women who get to learn from you.
• 24:56
  I love Emily so much. She's so sweet. She's just so gorgeous.
• 25:02
  I want to brush and see it's the same. That was so lovely.
• 25:05
  Oh, that's very sweet. Thank you, Emily. Thank you.
• 25:08
  Thank you. But I couldn't have done the curve without you.
• 25:11
  Oh, but this is your note. It's like, you've reached 40,000. It's like, I couldn't have reached any
• 25:18
  of those without you. So, the Tamiya Fit. Tamiya Fit. And my brain is in your beauty.
• 25:23
  God, thank you so much. Both our brains. Both our beauty.
• 25:30
  God, enjoy the rest of your birthday weekend, Vic.
• 25:33
  I will. Well, as I was talking with my friend, it was over at midnight last night, so.
• 25:37
  Oh, brutal. I think he was sick of the whole birthday weekend, so much fear.
• 25:43
  Now on to his birthday. That was quite so. His bike got stolen from outside my house,
• 25:47
  so he'll be getting your bike for his birthday. That's a good present. Yeah. Bye.
• 25:51
  Bye. Thank you so much for listening to The Curve Weekly. Make sure you hit the subscribe button
• 25:55
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• 26:00
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• 26:05
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• 26:09
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• 26:14
  and see you next Monday. Bye. Bye. See you next Tuesday. Wow.
• 26:22
  See you next Tuesday. I mean, Monday. No, actually though, new episodes out every Tuesday.
• 26:31
  Okay, quickly, The Curve was created to empower and educate you about investing,
• 26:34
  but we are not financial advisors. Our platform exists for educational purposes only,
• 26:39
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• 26:42
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• 26:46
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• 26:51
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• 26:55
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