1 00:00:07,740 --> 00:00:08,110 Music: (Music In) 2 00:00:33,640 --> 00:00:39,870 Suze: May 29th 20 22. Hi everybody, Suze O here and 3 00:00:39,870 --> 00:00:42,250 Suze: welcome to the Women and Money podcast 4 00:00:42,840 --> 00:00:47,660 Suze: as well as everyone else smart enough to listen. 5 00:00:48,440 --> 00:00:49,160 Suze: All right, 6 00:00:50,140 --> 00:00:52,449 Suze: tomorrow is Memorial Day 7 00:00:53,040 --> 00:00:57,480 Suze: and KT said to me this morning, now, Suze, you 8 00:00:57,480 --> 00:01:02,850 Suze: make sure you wish everybody a happy Memorial Day. 9 00:01:04,240 --> 00:01:07,020 Suze: And I have to tell you everybody. I was thinking 10 00:01:07,020 --> 00:01:07,750 Suze: about that 11 00:01:08,840 --> 00:01:12,230 Suze: and I was thinking about the events that have recently 12 00:01:12,230 --> 00:01:16,459 Suze: happened in Buffalo, in Texas, 13 00:01:17,040 --> 00:01:21,360 Suze: everywhere in the world. Truthfully, especially in America. 14 00:01:22,140 --> 00:01:23,850 Suze: But I've been thinking about 15 00:01:24,440 --> 00:01:28,270 Suze: all the people, not just those in the armed forces, 16 00:01:28,280 --> 00:01:33,050 Suze: but everybody who has lost their lives recently 17 00:01:34,140 --> 00:01:38,319 Suze: and on some level we're all warriors. It seems we're 18 00:01:38,319 --> 00:01:39,860 Suze: all really fighting 19 00:01:40,340 --> 00:01:43,740 Suze: for our freedom. The freedom to send our kids to 20 00:01:43,740 --> 00:01:46,819 Suze: school and not have to worry about it. The freedoms 21 00:01:46,819 --> 00:01:49,370 Suze: to be able to walk down the street no matter 22 00:01:49,370 --> 00:01:51,880 Suze: who you are or what you are. It doesn't matter. 23 00:01:51,890 --> 00:01:57,390 Suze: And everybody accepts you. We've all been fighting for simple 24 00:01:57,390 --> 00:02:00,560 Suze: freedom to have an abortion if you want one to 25 00:02:00,560 --> 00:02:02,450 Suze: not have an abortion. If you don't 26 00:02:02,640 --> 00:02:07,310 Suze: to not carry guns. That will absolutely obliterate people. We 27 00:02:07,310 --> 00:02:09,750 Suze: are looking for freedom. 28 00:02:10,840 --> 00:02:11,650 Suze: And so 29 00:02:12,440 --> 00:02:13,359 Suze: I don't know 30 00:02:13,940 --> 00:02:18,560 Suze: does the word happy go with Memorial Day? 31 00:02:19,540 --> 00:02:20,860 Suze: And I have to say. 32 00:02:21,540 --> 00:02:23,960 Suze: I don't think it does at this point in time. 33 00:02:25,040 --> 00:02:27,859 Suze: I think the word that goes with it 34 00:02:28,740 --> 00:02:29,550 Suze: is 35 00:02:30,240 --> 00:02:34,560 Suze: have a soulful, prayerful, wishful, 36 00:02:35,340 --> 00:02:38,660 Suze: actionable to make this world freer 37 00:02:39,040 --> 00:02:43,260 Suze: Memorial Day is more of an accurate description. 38 00:02:43,940 --> 00:02:45,260 Suze: You know, a few days ago, 39 00:02:45,940 --> 00:02:47,350 Suze: I was on Banfield... 40 00:02:48,139 --> 00:02:52,260 Suze: Ashleigh Banfield show and when you are about to go 41 00:02:52,260 --> 00:02:53,560 Suze: on a tv show, 42 00:02:54,139 --> 00:02:58,700 Suze: especially when you've been zoomed in, you're sitting there watching 43 00:02:58,710 --> 00:03:02,560 Suze: the show listening to the guests that are on before 44 00:03:02,560 --> 00:03:02,860 Suze: you 45 00:03:03,540 --> 00:03:08,960 Suze: and the whole segments before me obviously was on the 46 00:03:08,960 --> 00:03:11,250 Suze: tragedy that happened in Texas 47 00:03:12,639 --> 00:03:15,660 Suze: and then she starts to introduce me 48 00:03:16,340 --> 00:03:19,389 Suze: and it's all about money and it's going to cost 49 00:03:19,389 --> 00:03:24,150 Suze: more to go away this Memorial Day weekend and inflation 50 00:03:24,150 --> 00:03:26,060 Suze: and all of these things. 51 00:03:26,740 --> 00:03:28,660 Suze: And when she came to me 52 00:03:29,639 --> 00:03:33,720 Suze: I found myself saying to her, you know, Ashley, we'll 53 00:03:33,720 --> 00:03:35,060 Suze: talk about money, 54 00:03:35,740 --> 00:03:38,950 Suze: but I think it's really important to understand 55 00:03:39,640 --> 00:03:41,050 Suze: that money 56 00:03:41,640 --> 00:03:45,350 Suze: it comes and it goes and it comes back again. 57 00:03:45,360 --> 00:03:48,030 Suze: I mean, especially with the stock market, it goes up 58 00:03:48,040 --> 00:03:50,440 Suze: and it goes down and it comes back again and 59 00:03:50,440 --> 00:03:53,480 Suze: then you made even more money and that's essentially what's 60 00:03:53,480 --> 00:03:55,160 Suze: kind of happened this last week. 61 00:03:56,440 --> 00:03:58,750 Suze: But there's a life to it 62 00:03:59,240 --> 00:04:02,780 Suze: and it just doesn't go away and that's it of course, 63 00:04:02,780 --> 00:04:05,360 Suze: unless you made a really bad investment. But that is 64 00:04:05,360 --> 00:04:06,350 Suze: besides the point, 65 00:04:07,340 --> 00:04:09,760 Suze: but when it comes to a life, 66 00:04:10,640 --> 00:04:12,760 Suze: when it comes to people, 67 00:04:13,440 --> 00:04:15,860 Suze: once that life is taken, 68 00:04:16,440 --> 00:04:19,650 Suze: that life does not come back to us 69 00:04:20,640 --> 00:04:22,650 Suze: and I think especially 70 00:04:23,140 --> 00:04:25,860 Suze: on this particular Memorial Day, 71 00:04:26,740 --> 00:04:31,360 Suze: I think it's important to keep everything really in perspective, 72 00:04:32,339 --> 00:04:35,440 Suze: as you know, one of my favorite sayings is people 73 00:04:35,440 --> 00:04:38,250 Suze: first then money then things 74 00:04:39,240 --> 00:04:40,859 Suze: and if you keep that 75 00:04:41,240 --> 00:04:42,760 Suze: in perspective 76 00:04:43,240 --> 00:04:46,359 Suze: what's really, really, really 77 00:04:47,339 --> 00:04:49,350 Suze: irreplaceable in this life, 78 00:04:50,240 --> 00:04:51,460 Suze: It is people 79 00:04:53,339 --> 00:04:54,150 Suze: and so 80 00:04:54,540 --> 00:04:56,250 Suze: I just wanted to say that 81 00:04:57,040 --> 00:04:58,660 Suze: so that all of us 82 00:04:59,339 --> 00:05:01,560 Suze: could usher in the Memorial day 83 00:05:02,339 --> 00:05:07,290 Suze: with the right attitude, the right wishes and then eventually 84 00:05:07,400 --> 00:05:08,760 Suze: the right results. 85 00:05:09,839 --> 00:05:11,960 Suze: Okay, everybody last week, 86 00:05:12,540 --> 00:05:14,660 Suze: last week was a very interesting week 87 00:05:15,440 --> 00:05:17,260 Suze: because it is the first time 88 00:05:17,640 --> 00:05:22,359 Suze: in over eight weeks that all the markets went up 89 00:05:22,370 --> 00:05:24,360 Suze: and they went up and they went up. 90 00:05:25,040 --> 00:05:28,000 Suze: Now, if you've been listening to me, I've said to 91 00:05:28,000 --> 00:05:31,370 Suze: all of you, I thought that the market would probably 92 00:05:31,380 --> 00:05:32,660 Suze: have a bounce here. 93 00:05:33,640 --> 00:05:35,650 Suze: However, it's a bounce 94 00:05:36,339 --> 00:05:40,010 Suze: and a bounce is when you take a ball and 95 00:05:40,010 --> 00:05:40,860 Suze: you bounce it, 96 00:05:41,339 --> 00:05:45,310 Suze: it goes down, which is what the markets did, hits 97 00:05:45,310 --> 00:05:48,360 Suze: the floor, bounces off of it goes up 98 00:05:48,740 --> 00:05:50,560 Suze: and then kind of comes back down again. 99 00:05:51,839 --> 00:05:54,360 Suze: And so I don't think 100 00:05:54,940 --> 00:05:56,160 Suze: this is like March 101 00:05:56,540 --> 00:05:59,910 Suze: Of 2020, where we're going to go up and up 102 00:05:59,910 --> 00:06:02,339 Suze: and up and up right now and everything's going to 103 00:06:02,339 --> 00:06:03,260 Suze: be great again, 104 00:06:04,940 --> 00:06:07,740 Suze: I think this is a bounce and I think that 105 00:06:07,740 --> 00:06:09,049 Suze: this bounce could last 106 00:06:09,440 --> 00:06:10,060 Suze: a week, 107 00:06:10,640 --> 00:06:14,000 Suze: another week, maybe two weeks, but eventually here and not 108 00:06:14,000 --> 00:06:15,460 Suze: very long from here, 109 00:06:16,140 --> 00:06:20,089 Suze: I think we will see these markets go right back 110 00:06:20,089 --> 00:06:21,359 Suze: down again, 111 00:06:22,540 --> 00:06:23,050 Suze: so 112 00:06:23,740 --> 00:06:24,160 Suze: if 113 00:06:24,540 --> 00:06:26,720 Suze: you are looking at these things and now all of 114 00:06:26,720 --> 00:06:29,600 Suze: a sudden you didn't want to be in the market 115 00:06:29,600 --> 00:06:32,390 Suze: and you were scared to death and you wanted to 116 00:06:32,390 --> 00:06:34,469 Suze: get out but you didn't know what you should do, 117 00:06:34,470 --> 00:06:37,860 Suze: but you really don't want to be in the markets, 118 00:06:37,870 --> 00:06:39,560 Suze: even though if you ask me, 119 00:06:40,040 --> 00:06:42,160 Suze: if you have time on your side, I think that 120 00:06:42,160 --> 00:06:45,560 Suze: would be one of the biggest mistakes you could ever make. However, 121 00:06:46,540 --> 00:06:49,800 Suze: this is your money and you have to make decisions 122 00:06:49,800 --> 00:06:52,830 Suze: with it and you have to decide, do you want 123 00:06:52,839 --> 00:06:55,260 Suze: it in the market or do you not? 124 00:06:56,040 --> 00:06:58,460 Suze: And if you decide you don't 125 00:06:58,940 --> 00:07:00,460 Suze: again, for whatever reason, 126 00:07:00,940 --> 00:07:03,700 Suze: the next week or two, you may decide to take 127 00:07:03,700 --> 00:07:04,659 Suze: advantage 128 00:07:05,440 --> 00:07:08,550 Suze: of the increase in some of these stocks that have 129 00:07:08,550 --> 00:07:15,140 Suze: gone up tremendously over this period of time, meaning the 130 00:07:15,140 --> 00:07:17,350 Suze: last week and maybe the next week 131 00:07:18,040 --> 00:07:19,450 Suze: up to you. 132 00:07:19,840 --> 00:07:21,460 Suze: But I will reiterate 133 00:07:22,440 --> 00:07:22,950 Suze: that 134 00:07:23,440 --> 00:07:27,250 Suze: eventually these markets and these stocks that have been really hurt, 135 00:07:28,100 --> 00:07:30,570 Suze: they will come back, it could take two years, could 136 00:07:30,570 --> 00:07:32,960 Suze: take three years, could take shorter than that. 137 00:07:33,940 --> 00:07:36,550 Suze: But the way you make great money, 138 00:07:37,240 --> 00:07:39,850 Suze: the way you truly get your money to grow 139 00:07:40,440 --> 00:07:43,480 Suze: is you don't buy and sell and buy and sell, 140 00:07:43,520 --> 00:07:47,460 Suze: know you buy good quality stocks, 141 00:07:47,940 --> 00:07:48,960 Suze: ETFs 142 00:07:49,340 --> 00:07:53,790 Suze: mutual funds and you hold them for the long run 143 00:07:53,890 --> 00:07:55,960 Suze: as long as they are diversified 144 00:07:56,840 --> 00:07:58,660 Suze: and they make sense. 145 00:07:59,040 --> 00:08:03,260 Suze: So that's one little update. Another update 146 00:08:03,840 --> 00:08:04,560 Suze: is 147 00:08:04,940 --> 00:08:06,760 Suze: that real estate 148 00:08:07,540 --> 00:08:11,100 Suze: has truly started to cool off pretty big time. That 149 00:08:11,100 --> 00:08:14,090 Suze: doesn't mean it's going down. So don't get traumatic hair 150 00:08:14,090 --> 00:08:14,650 Suze: on me 151 00:08:15,640 --> 00:08:18,360 Suze: as I said to all of you during the webinar 152 00:08:18,370 --> 00:08:20,690 Suze: and you've got the tip sheet for the webinar and 153 00:08:20,690 --> 00:08:24,060 Suze: if you, by the way, didn't listen to the webinar 154 00:08:24,440 --> 00:08:26,450 Suze: that I did on May 24, 155 00:08:27,240 --> 00:08:32,380 Suze: and 44,000 people did right, but if you didn't listen, 156 00:08:32,390 --> 00:08:35,550 Suze: I think they will be replaying it next week. 157 00:08:36,440 --> 00:08:39,730 Suze: But everybody who did sign on and listen to it 158 00:08:39,740 --> 00:08:44,430 Suze: also got a tip sheet of everything I said in 159 00:08:44,429 --> 00:08:48,560 Suze: that webinar, but I'm going to summarize a little bit 160 00:08:48,940 --> 00:08:51,320 Suze: what I said for you right now. But again, for 161 00:08:51,320 --> 00:08:53,869 Suze: all of you have been asking they are going to 162 00:08:53,870 --> 00:08:57,220 Suze: replay the webinar next week's and so many of you 163 00:08:57,230 --> 00:08:58,660 Suze: want to see it again. 164 00:08:59,040 --> 00:09:00,059 Suze: Real estate, 165 00:09:00,940 --> 00:09:04,150 Suze: real estate is absolutely cooling down here 166 00:09:04,940 --> 00:09:07,590 Suze: Before you would put a property on the market for 167 00:09:07,590 --> 00:09:11,300 Suze: sale and you would have 15, bids on it right 168 00:09:11,300 --> 00:09:11,859 Suze: away 169 00:09:12,340 --> 00:09:15,059 Suze: Now, maybe you're getting four or 5 170 00:09:15,540 --> 00:09:20,059 Suze: applications for mortgages, all kinds of things have gone down. 171 00:09:20,090 --> 00:09:22,760 Suze: That does not mean, as I said a few seconds 172 00:09:22,760 --> 00:09:26,760 Suze: ago that real estate is going to go down in price. 173 00:09:27,440 --> 00:09:30,640 Suze: I just don't think you're going to get the appreciation 174 00:09:30,640 --> 00:09:34,460 Suze: that you got last year, the year before, whatever it 175 00:09:34,460 --> 00:09:37,030 Suze: may be where some of you got 20 or 30% 176 00:09:37,030 --> 00:09:39,860 Suze: a year increase on your real estate. 177 00:09:40,740 --> 00:09:44,890 Suze: I think you'll see 5% or more could be 10% 178 00:09:44,900 --> 00:09:49,040 Suze: I don't think you'll see a decrease in value. However, 179 00:09:49,050 --> 00:09:52,280 Suze: so real estate is still something you can do if 180 00:09:52,280 --> 00:09:54,260 Suze: you want mortgage rates 181 00:09:55,140 --> 00:09:57,660 Suze: I think have cooled off here a little bit 182 00:09:58,440 --> 00:10:02,250 Suze: because of the deterioration of the stock market. 183 00:10:02,840 --> 00:10:06,260 Suze: The market's going down so much from their highs 184 00:10:06,640 --> 00:10:11,209 Suze: and the price of oil and certain things food continuing 185 00:10:11,210 --> 00:10:14,160 Suze: to increase. So inflation is still here. 186 00:10:15,440 --> 00:10:18,160 Suze: It kind of is starting a little bit to cool 187 00:10:18,170 --> 00:10:19,460 Suze: off the economy. 188 00:10:20,440 --> 00:10:23,260 Suze: So with that said interest rates 189 00:10:23,940 --> 00:10:27,270 Suze: are starting to cool off and go down a little 190 00:10:27,270 --> 00:10:27,960 Suze: bit here. 191 00:10:28,340 --> 00:10:32,850 Suze: So I think you'll see that maybe mortgage rates will 192 00:10:32,850 --> 00:10:36,410 Suze: come down or stay right around here. I'm not exactly 193 00:10:36,410 --> 00:10:38,350 Suze: sure that you're going to see them now go to 194 00:10:38,360 --> 00:10:40,959 Suze: six or 7% in skyrocket. 195 00:10:41,340 --> 00:10:43,050 Suze: So this could be 196 00:10:43,440 --> 00:10:45,959 Suze: closer to the top of the mortgage 197 00:10:46,340 --> 00:10:50,390 Suze: environment for interest rates here then I would have thought 198 00:10:50,400 --> 00:10:52,460 Suze: two or three weeks ago. 199 00:10:53,340 --> 00:10:55,490 Suze: One other thing and then I'll go on to the 200 00:10:55,490 --> 00:10:56,960 Suze: Suze School today 201 00:10:57,440 --> 00:10:58,160 Suze: is that 202 00:10:58,540 --> 00:10:59,160 Suze: oil 203 00:11:00,340 --> 00:11:03,940 Suze: I think oil is going to continue to go up 204 00:11:03,950 --> 00:11:07,150 Suze: or energy is going to continue to go up. 205 00:11:07,640 --> 00:11:12,650 Suze: And the reason that I think that is because when 206 00:11:12,650 --> 00:11:16,890 Suze: china opens up and they have to open up soon 207 00:11:16,900 --> 00:11:22,250 Suze: we're going to have more people driving again and using oil. 208 00:11:22,640 --> 00:11:25,760 Suze: So the demand for oil will increase 209 00:11:26,540 --> 00:11:32,310 Suze: europe everybody is at a deficit for oil as well 210 00:11:32,320 --> 00:11:33,949 Suze: as natural gas, 211 00:11:34,340 --> 00:11:38,559 Suze: we are consuming more than we are producing. 212 00:11:39,040 --> 00:11:42,890 Suze: So when that is true, it's against supply and demand, 213 00:11:42,900 --> 00:11:47,480 Suze: our supply is down, the demand will be going up, 214 00:11:47,490 --> 00:11:52,059 Suze: which in my opinion will cause energy prices to go up. 215 00:11:52,640 --> 00:11:55,750 Suze: I would not be surprised if we saw oil, it's 216 00:11:55,750 --> 00:11:58,540 Suze: around 1 14 a barrel right now, could go as 217 00:11:58,540 --> 00:11:59,750 Suze: high as 1 50. 218 00:12:00,340 --> 00:12:04,010 Suze: What that translates to all of you is that gasoline 219 00:12:04,010 --> 00:12:09,360 Suze: prices are absolutely going to go up and up. 220 00:12:10,340 --> 00:12:12,760 Suze: So just something to keep in mind, 221 00:12:13,540 --> 00:12:16,750 Suze: the same thing happens to be with food 222 00:12:17,940 --> 00:12:21,330 Suze: because I want you to think about this if gasoline 223 00:12:21,330 --> 00:12:23,160 Suze: prices continue to go up 224 00:12:24,340 --> 00:12:26,840 Suze: than to ship that food to all of you for 225 00:12:26,840 --> 00:12:29,650 Suze: the truckers, whatever it costs them more 226 00:12:30,040 --> 00:12:33,360 Suze: and therefore they will pass those prices down to all 227 00:12:33,360 --> 00:12:33,850 Suze: of you. 228 00:12:34,420 --> 00:12:36,850 Suze: The other thing, which is very true. 229 00:12:37,240 --> 00:12:37,860 Suze: We 230 00:12:38,340 --> 00:12:43,420 Suze: still have a food shortage on our hands with grain 231 00:12:43,429 --> 00:12:46,870 Suze: and other types of food. So that will make it 232 00:12:46,870 --> 00:12:48,060 Suze: more expensive 233 00:12:48,740 --> 00:12:50,850 Suze: and it just doesn't seem like that's going to be 234 00:12:50,850 --> 00:12:55,650 Suze: solved anytime soon. So, be prepared to continue to pay 235 00:12:55,650 --> 00:13:01,360 Suze: more and more for not only gasoline, but food as well, 236 00:13:02,440 --> 00:13:04,710 Suze: I want to go back however, to oil for a 237 00:13:04,710 --> 00:13:05,559 Suze: second here. 238 00:13:06,140 --> 00:13:06,760 Suze: So 239 00:13:07,240 --> 00:13:11,250 Suze: oil as well as the oil stocks that I've recommended 240 00:13:11,250 --> 00:13:14,130 Suze: to all of you for the past over two years 241 00:13:14,130 --> 00:13:14,650 Suze: now 242 00:13:15,540 --> 00:13:18,260 Suze: and I've added a few new ones to them 243 00:13:18,740 --> 00:13:23,130 Suze: again are performing so well and I'm very thrilled about that, 244 00:13:23,140 --> 00:13:27,110 Suze: you do need to watch them closely because you have all, 245 00:13:27,120 --> 00:13:30,050 Suze: if you followed my advice starting a long time ago, 246 00:13:30,059 --> 00:13:34,190 Suze: you have made a considerable sum of money, not only 247 00:13:34,190 --> 00:13:37,959 Suze: on the appreciation of the E T F - X L. E. 248 00:13:37,970 --> 00:13:38,560 Suze: And 249 00:13:38,840 --> 00:13:40,160 Suze: other stocks, 250 00:13:41,240 --> 00:13:46,640 Suze: but you've also been getting paid a tremendous dividend recently 251 00:13:46,650 --> 00:13:51,140 Suze: on the webinar. And maybe even on this podcast, I 252 00:13:51,140 --> 00:13:56,579 Suze: recommended a new energy stock by the name of Pioneer. 253 00:13:56,590 --> 00:13:58,660 Suze: The symbol was P XD. 254 00:13:59,340 --> 00:14:02,190 Suze: And I told all of you that this is one 255 00:14:02,190 --> 00:14:06,449 Suze: of the highest yielding stocks, if not the highest 256 00:14:07,340 --> 00:14:09,460 Suze: on the stock exchange 257 00:14:10,040 --> 00:14:12,590 Suze: and many of you wrote me and you said Suze, 258 00:14:12,590 --> 00:14:13,460 Suze: you're wrong. 259 00:14:13,840 --> 00:14:17,050 Suze: I looked up the, the thing, it's only giving like 260 00:14:17,050 --> 00:14:20,380 Suze: two or 3% it's not giving you, you know, 89 261 00:14:20,380 --> 00:14:24,010 Suze: 10 11%. It's not doing that, Suze. So I don't 262 00:14:24,010 --> 00:14:24,460 Suze: get it. 263 00:14:25,080 --> 00:14:26,960 Suze: Alright, I want you to listen to me right now 264 00:14:26,960 --> 00:14:27,660 Suze: everybody 265 00:14:28,340 --> 00:14:31,060 Suze: because these oil stocks 266 00:14:31,740 --> 00:14:33,960 Suze: are so cash rich, 267 00:14:34,540 --> 00:14:38,390 Suze: they are making so much money right now, I cannot 268 00:14:38,400 --> 00:14:39,760 Suze: even tell you. 269 00:14:40,540 --> 00:14:43,260 Suze: So they have all of this cash 270 00:14:44,140 --> 00:14:49,150 Suze: and Pioneer especially has decided they are going to be 271 00:14:49,160 --> 00:14:51,760 Suze: offering you besides the fixed dividend 272 00:14:52,140 --> 00:14:53,760 Suze: that they pay you every year, 273 00:14:54,240 --> 00:14:55,650 Suze: which comes out quarterly, 274 00:14:56,340 --> 00:15:01,070 Suze: they are going to pay you a variable dividend and 275 00:15:01,070 --> 00:15:02,550 Suze: they're just going to give it to you 276 00:15:03,040 --> 00:15:05,650 Suze: and if you were owner of record 277 00:15:06,390 --> 00:15:08,359 Suze: as of Friday, 278 00:15:09,040 --> 00:15:12,550 Suze: then they will distribute to you, I think come June 279 00:15:13,040 --> 00:15:17,260 Suze: A $7.62, something like that dividend in 280 00:15:18,140 --> 00:15:19,360 Suze: per share. 281 00:15:20,040 --> 00:15:23,790 Suze: And when you combine that dividend with the other dividends, 282 00:15:23,840 --> 00:15:28,560 Suze: this is an incredibly high yielding dividend paying stock. 283 00:15:29,140 --> 00:15:32,050 Suze: The same is true with Devon 284 00:15:33,440 --> 00:15:38,050 Suze: so when you buy these stocks don't get confused by 285 00:15:38,050 --> 00:15:41,150 Suze: simply doing what going and looking what the yield is 286 00:15:41,150 --> 00:15:42,160 Suze: and everything 287 00:15:42,640 --> 00:15:47,770 Suze: do more research, you know, Google, why is Pioneer giving 288 00:15:47,770 --> 00:15:51,010 Suze: such a high dividend And and you'll find the answers 289 00:15:51,020 --> 00:15:52,560 Suze: to your questions 290 00:15:53,270 --> 00:15:55,560 Suze: if you like oil or energy, 291 00:15:56,740 --> 00:15:58,820 Suze: you know another stock. And I think I may have 292 00:15:58,820 --> 00:16:02,370 Suze: told you this is Diamondback symbol F A N. G 293 00:16:02,380 --> 00:16:08,160 Suze: or Occidental Petroleum, which Warren Buffett absolutely loves OXY 294 00:16:08,740 --> 00:16:13,060 Suze: but don't get too heavily invested in oil 295 00:16:13,640 --> 00:16:17,660 Suze: because if you look at how much oil has gone 296 00:16:17,670 --> 00:16:22,750 Suze: up in value, it may make up a really big 297 00:16:22,750 --> 00:16:25,250 Suze: percentage of your entire portfolio, 298 00:16:26,240 --> 00:16:30,350 Suze: so you don't want too much invested in just one area. 299 00:16:30,740 --> 00:16:34,930 Suze: However, again, I will reiterate oil has held up pretty 300 00:16:34,930 --> 00:16:35,750 Suze: well here 301 00:16:36,840 --> 00:16:39,360 Suze: and I don't know, I find it hard not 302 00:16:39,740 --> 00:16:43,570 Suze: to want to be invested in some oil stocks. 303 00:16:43,940 --> 00:16:49,150 Suze: The same by the way with natural gas Catara symbol, 304 00:16:49,150 --> 00:16:52,050 Suze: C T R A is something that you might want 305 00:16:52,050 --> 00:16:53,570 Suze: to look into that 306 00:16:54,240 --> 00:16:58,160 Suze: Now. I just want to also address one more thing 307 00:16:59,640 --> 00:17:03,110 Suze: a while ago, I told you all about how I 308 00:17:03,110 --> 00:17:05,460 Suze: really thought in times like this, 309 00:17:06,140 --> 00:17:09,560 Suze: it was important to be invested in staples 310 00:17:09,940 --> 00:17:12,500 Suze: and if you don't know what a staple is, it 311 00:17:12,500 --> 00:17:16,660 Suze: is something that you have got to buy your toothpaste, 312 00:17:16,670 --> 00:17:19,680 Suze: you know things that have got to be purchased no 313 00:17:19,680 --> 00:17:20,560 Suze: matter what 314 00:17:21,640 --> 00:17:25,260 Suze: and I recommend it at the time. In exchange traded 315 00:17:25,260 --> 00:17:28,660 Suze: fund with a symbol by the name of X. L. P. 316 00:17:29,140 --> 00:17:33,199 Suze: It was paying about 2.5% dividend and it was invested 317 00:17:33,210 --> 00:17:34,960 Suze: big time in 318 00:17:35,640 --> 00:17:38,669 Suze: a variety like I said of staples. 319 00:17:39,340 --> 00:17:42,460 Suze: The problem is that when 320 00:17:42,940 --> 00:17:46,860 Suze: and E. T. F. follows an index or by staples 321 00:17:47,240 --> 00:17:51,560 Suze: they buy more of certain stocks versus other stocks. 322 00:17:52,140 --> 00:17:55,429 Suze: So they may have stocks that make up 3% of 323 00:17:55,430 --> 00:17:59,850 Suze: their portfolio or 5% or their top holdings 324 00:18:00,740 --> 00:18:02,770 Suze: just follow me here for a second. 325 00:18:03,940 --> 00:18:06,460 Suze: What happened with X. L. P. 326 00:18:06,940 --> 00:18:08,220 Suze: And which is why 327 00:18:08,640 --> 00:18:12,040 Suze: two weeks ago it went down so much to everybody's 328 00:18:12,040 --> 00:18:13,350 Suze: shocked by the way 329 00:18:14,040 --> 00:18:17,359 Suze: because a few of its main holdings 330 00:18:18,440 --> 00:18:23,960 Suze: such as Walmart, the stock got hit considerably 331 00:18:25,240 --> 00:18:30,359 Suze: Walmart, Target places that sell staples and things like that 332 00:18:30,840 --> 00:18:33,169 Suze: was down 25... 333 00:18:33,840 --> 00:18:34,560 Suze: Bam! 334 00:18:35,340 --> 00:18:38,890 Suze: And when you have an index that is made up 335 00:18:38,900 --> 00:18:40,139 Suze: of stocks 336 00:18:40,640 --> 00:18:42,050 Suze: that got hit 337 00:18:42,440 --> 00:18:47,270 Suze: big time because they didn't necessarily operate their business correctly. 338 00:18:47,940 --> 00:18:51,060 Suze: It affects the entire index. 339 00:18:51,540 --> 00:18:56,130 Suze: So that's what happened there. It is crawling its way 340 00:18:56,130 --> 00:18:56,850 Suze: back up. 341 00:18:57,640 --> 00:19:01,540 Suze: It's still something that I think you should stay invested 342 00:19:01,550 --> 00:19:02,050 Suze: in 343 00:19:02,440 --> 00:19:05,280 Suze: again. It's paying you a nice little dividend while you're 344 00:19:05,280 --> 00:19:06,160 Suze: sitting there 345 00:19:06,540 --> 00:19:09,459 Suze: with it and I just wanted to give you an 346 00:19:09,460 --> 00:19:13,000 Suze: explanation of why it went down far more than I 347 00:19:13,000 --> 00:19:14,760 Suze: thought it should have. 348 00:19:15,540 --> 00:19:18,560 Suze: Alright, so now let's go to Suze School. 349 00:19:19,390 --> 00:19:20,960 Suze: The one question 350 00:19:21,750 --> 00:19:24,919 Suze: that the majority of you have been asking me, I've 351 00:19:24,920 --> 00:19:26,359 Suze: never seen anything like it 352 00:19:27,040 --> 00:19:29,460 Suze: over the past few months is this 353 00:19:29,840 --> 00:19:33,170 Suze: how do you buy a Treasury Bill 354 00:19:33,840 --> 00:19:35,550 Suze: Note or Bond? 355 00:19:36,040 --> 00:19:39,090 Suze: And the reason that many of you are asking that 356 00:19:39,090 --> 00:19:43,020 Suze: question is for the past few months now I've been 357 00:19:43,020 --> 00:19:47,240 Suze: telling you that if you want your money absolutely safe 358 00:19:47,240 --> 00:19:48,060 Suze: and sound 359 00:19:48,840 --> 00:19:53,070 Suze: that you should be looking into besides a series I 360 00:19:53,070 --> 00:19:53,669 Suze: bomb 361 00:19:54,040 --> 00:19:57,380 Suze: but you should be looking into what you should be 362 00:19:57,380 --> 00:20:00,459 Suze: looking into Treasuries 363 00:20:01,040 --> 00:20:03,770 Suze: and it has totally confused you 364 00:20:04,640 --> 00:20:09,310 Suze: in the same way that Series I bonds confused all 365 00:20:09,310 --> 00:20:09,950 Suze: of you 366 00:20:10,340 --> 00:20:12,810 Suze: And if you don't know what a Series I Bond is, everybody 367 00:20:12,810 --> 00:20:16,310 Suze: listen to the April 17 podcast and you will learn 368 00:20:16,320 --> 00:20:18,820 Suze: everything you need to know and if you haven't bought 369 00:20:18,820 --> 00:20:22,020 Suze: one yet you need to buy them. So all of 370 00:20:22,020 --> 00:20:24,050 Suze: you learned about those now. 371 00:20:24,540 --> 00:20:28,560 Suze: Treasuries are equally as easy. 372 00:20:29,540 --> 00:20:33,520 Suze: So let me just start and say if you want 373 00:20:33,520 --> 00:20:34,459 Suze: to buy 374 00:20:35,040 --> 00:20:39,399 Suze: a Treasury Bill Note or bond, you can easily do 375 00:20:39,400 --> 00:20:39,560 Suze: it 376 00:20:40,040 --> 00:20:43,200 Suze: through Treasury direct dot gov where you set up your 377 00:20:43,210 --> 00:20:44,270 Suze: I bonds. 378 00:20:44,840 --> 00:20:47,060 Suze: You also can buy it at a bank 379 00:20:47,440 --> 00:20:52,000 Suze: or with a brokerage firm, your broker, you can buy 380 00:20:52,010 --> 00:20:55,359 Suze: and sell them anytime you want. 381 00:20:56,340 --> 00:20:59,750 Suze: But I'd like to do a little mini mini mini 382 00:20:59,750 --> 00:21:00,859 Suze: master-class 383 00:21:01,240 --> 00:21:06,550 Suze: on Treasuries. Just so you understand why I like them. 384 00:21:07,240 --> 00:21:07,960 Suze: Okay. 385 00:21:08,760 --> 00:21:10,050 Suze: You know in life 386 00:21:10,840 --> 00:21:12,760 Suze: it's not very easy to say 387 00:21:13,140 --> 00:21:15,859 Suze: I guarantee you something 388 00:21:16,440 --> 00:21:17,960 Suze: and really, really mean it. 389 00:21:19,140 --> 00:21:24,139 Suze: But with a series I bonds or truly any Treasury, 390 00:21:24,150 --> 00:21:28,949 Suze: anything that is issued by the United States Treasury 391 00:21:29,940 --> 00:21:32,159 Suze: is the only investment 392 00:21:33,340 --> 00:21:38,950 Suze: that a financial advisor can say to you is absolutely guaranteed. 393 00:21:39,440 --> 00:21:43,690 Suze: And the reason that is is that all Treasuries are 394 00:21:43,690 --> 00:21:48,070 Suze: backed by the full faith and authority of the United 395 00:21:48,070 --> 00:21:51,770 Suze: States government. If the government gets in trouble 396 00:21:52,340 --> 00:21:55,520 Suze: and they don't have the money to pay you back 397 00:21:55,520 --> 00:22:00,110 Suze: the money that you invested with them by purchasing a Treasury. 398 00:22:00,119 --> 00:22:05,030 Suze: Oh they will raise taxes in order to just pay 399 00:22:05,040 --> 00:22:05,960 Suze: you back. 400 00:22:06,740 --> 00:22:09,669 Suze: So again, I love Treasuries 401 00:22:10,040 --> 00:22:14,560 Suze: Because it is the only investment that's 100% guaranteed. 402 00:22:15,040 --> 00:22:17,300 Suze: Recently, I'd like to tell you what I do with 403 00:22:17,300 --> 00:22:18,359 Suze: my own money. 404 00:22:18,740 --> 00:22:22,689 Suze: Recently, I've found myself in a position that I have 405 00:22:22,700 --> 00:22:25,270 Suze: truthfully a lot of cash 406 00:22:26,140 --> 00:22:29,590 Suze: now, I want to know that that cash is safe 407 00:22:29,600 --> 00:22:32,860 Suze: and sound and nothing can happen to it. 408 00:22:33,440 --> 00:22:37,550 Suze: So particularly because they are large sums of money. And 409 00:22:37,550 --> 00:22:39,950 Suze: I don't mind telling you there are millions of dollars. 410 00:22:40,440 --> 00:22:43,540 Suze: I want to know that I'm not only getting a 411 00:22:43,540 --> 00:22:44,850 Suze: great interest rate. 412 00:22:45,440 --> 00:22:50,169 Suze: I want to know. Not only is that money 100% guaranteed. 413 00:22:50,640 --> 00:22:55,129 Suze: I want to know that I could sell that instrument 414 00:22:55,130 --> 00:22:59,060 Suze: that Treasury anytime I want without penalty. 415 00:22:59,690 --> 00:23:03,169 Suze: That I could possibly even make money on that cell. 416 00:23:03,640 --> 00:23:05,900 Suze: I want to know that if I hold it to 417 00:23:05,900 --> 00:23:08,460 Suze: maturity it will do exactly 418 00:23:08,840 --> 00:23:10,670 Suze: what I know it's going to do 419 00:23:11,840 --> 00:23:14,710 Suze: and I just want it available to me like I 420 00:23:14,710 --> 00:23:16,060 Suze: said when I want it. 421 00:23:16,840 --> 00:23:20,050 Suze: That is why I buy Treasuries. 422 00:23:21,340 --> 00:23:21,850 Suze: Now 423 00:23:22,440 --> 00:23:26,959 Suze: you have to know that there are different kinds of treasuries. 424 00:23:27,600 --> 00:23:29,359 Suze: There are Treasury bills, 425 00:23:29,840 --> 00:23:34,360 Suze: there are Treasury notes and there are Treasury bonds. 426 00:23:34,940 --> 00:23:36,460 Suze: A Treasury bill 427 00:23:37,240 --> 00:23:38,670 Suze: has a maturity 428 00:23:39,340 --> 00:23:45,169 Suze: Of either four weeks, 8 weeks, 13 weeks, 26 weeks 429 00:23:45,180 --> 00:23:47,050 Suze: or 52 weeks. 430 00:23:47,840 --> 00:23:53,450 Suze: Treasury bills do not have maturity these longer than one year. 431 00:23:54,040 --> 00:23:58,100 Suze: And you can buy a Treasury for any of those 432 00:23:58,100 --> 00:24:01,360 Suze: maturity is that you want. So you know 433 00:24:01,840 --> 00:24:04,750 Suze: that if you really just want to tie your money 434 00:24:04,750 --> 00:24:08,170 Suze: up for a small period of time, you can. 435 00:24:09,440 --> 00:24:11,270 Suze: Next is notes. 436 00:24:11,940 --> 00:24:13,260 Suze: Treasury notes 437 00:24:13,640 --> 00:24:17,270 Suze: Are longer than a year. They are usually from two 438 00:24:17,270 --> 00:24:19,669 Suze: years to 10 years. 439 00:24:20,340 --> 00:24:23,229 Suze: So you can buy a Treasury note that matures in 440 00:24:23,230 --> 00:24:28,669 Suze: two years, three years, five years, seven years or 10 years, 441 00:24:29,640 --> 00:24:35,150 Suze: those are the maturity ease of T notes. Treasury bonds 442 00:24:35,160 --> 00:24:38,880 Suze: have only to maturity ease and those maturities are 20 443 00:24:38,880 --> 00:24:44,160 Suze: years or 30 years. So when you buy any Treasury, 444 00:24:44,540 --> 00:24:50,150 Suze: you invest and you know for sure at the maturity 445 00:24:50,150 --> 00:24:53,359 Suze: date you will get your money back. 446 00:24:54,240 --> 00:24:57,170 Suze: now. Not only do you get your money back, 447 00:24:57,640 --> 00:25:01,060 Suze: but you also are paid in interest rate 448 00:25:01,540 --> 00:25:05,889 Suze: on these bills, Notes and bonds, which is why you're 449 00:25:05,890 --> 00:25:08,670 Suze: essentially investing in them. 450 00:25:09,240 --> 00:25:12,159 Suze: Now before I go into that, I just want to 451 00:25:12,160 --> 00:25:18,450 Suze: say the minimum investment on bills, notes or bonds is $100. 452 00:25:19,140 --> 00:25:26,429 Suze: Usually people buy things in $1,000, whatever. But I like 453 00:25:26,430 --> 00:25:28,350 Suze: talking about investments 454 00:25:28,740 --> 00:25:33,750 Suze: That anybody could buy and take advantage of. That's why 455 00:25:33,750 --> 00:25:36,440 Suze: I love series I bonds so much because you can 456 00:25:36,440 --> 00:25:39,860 Suze: buy one for $25 if you want. 457 00:25:40,840 --> 00:25:44,530 Suze: So it's a place for everybody who wants to be 458 00:25:44,530 --> 00:25:49,010 Suze: safe and make a relatively good interest rate in Treasury bills, 459 00:25:49,010 --> 00:25:53,530 Suze: notes or bonds and an extraordinary interest rate in series 460 00:25:53,540 --> 00:25:54,960 Suze: I bonds. 461 00:25:55,640 --> 00:25:58,670 Suze: Now here's what you need to know about interest 462 00:25:59,940 --> 00:26:02,850 Suze: as I've told you many many times. 463 00:26:03,240 --> 00:26:04,770 Suze: There is a law of money 464 00:26:05,240 --> 00:26:08,850 Suze: and that law of money goes like this. When interest 465 00:26:08,850 --> 00:26:10,270 Suze: rates go up 466 00:26:10,940 --> 00:26:12,050 Suze: the price 467 00:26:12,640 --> 00:26:17,460 Suze: of your fixed income investments, whether they are bond funds 468 00:26:17,470 --> 00:26:23,560 Suze: or any individual Bill bond or note happens to go down. 469 00:26:24,040 --> 00:26:27,669 Suze: If interest rates go down, the values go up, 470 00:26:28,040 --> 00:26:30,670 Suze: we are still in an interest rate environment 471 00:26:31,040 --> 00:26:35,860 Suze: where interest rates are absolutely projected to go up. 472 00:26:36,240 --> 00:26:39,960 Suze: Now another rule of money or loss of money 473 00:26:40,440 --> 00:26:44,930 Suze: is that the longer the maturity of a bill note 474 00:26:44,940 --> 00:26:45,860 Suze: or bond, 475 00:26:47,040 --> 00:26:49,219 Suze: The more volatile it is, number one 476 00:26:50,040 --> 00:26:53,359 Suze: So when interest rates go up, the longer the maturity 477 00:26:53,359 --> 00:26:55,770 Suze: bonds will go down. 478 00:26:57,040 --> 00:26:59,460 Suze: Also for that risk 479 00:26:59,960 --> 00:27:02,360 Suze: you are being paid normally 480 00:27:02,840 --> 00:27:05,720 Suze: a higher interest rate for you to go out to 481 00:27:05,720 --> 00:27:07,360 Suze: longer maturities . 482 00:27:07,740 --> 00:27:11,970 Suze: So a 10 year Treasury Note will usually pay you 483 00:27:11,970 --> 00:27:14,060 Suze: more than a two year Treasury Note. 484 00:27:14,640 --> 00:27:18,270 Suze: A two year Treasury Note will pay you far more 485 00:27:18,280 --> 00:27:20,760 Suze: than a four week Treasury Bill. 486 00:27:22,340 --> 00:27:23,859 Suze: Does that make sense? 487 00:27:24,540 --> 00:27:27,450 Suze: But the longer the maturity 488 00:27:28,040 --> 00:27:30,170 Suze: the more volatile they are 489 00:27:30,740 --> 00:27:34,459 Suze: up and down movements. And what else? 490 00:27:34,840 --> 00:27:37,770 Suze: The more interest rate you are normally paid. 491 00:27:38,740 --> 00:27:41,710 Suze: That is the reason for those of you who had 492 00:27:41,710 --> 00:27:45,389 Suze: bond funds. I was asking you to at least switch 493 00:27:45,390 --> 00:27:47,100 Suze: and this is a while ago. I don't want you 494 00:27:47,100 --> 00:27:50,129 Suze: to do this now. Right. But to switch in two 495 00:27:50,130 --> 00:27:53,050 Suze: short term bond funds, 496 00:27:53,440 --> 00:27:57,840 Suze: which means that the bonds that are in that fund 497 00:27:57,850 --> 00:28:01,150 Suze: have short maturities . So if interest rates have gone 498 00:28:01,160 --> 00:28:04,109 Suze: up you would not have been hurt as much as 499 00:28:04,109 --> 00:28:07,859 Suze: if you were in a long term bond fund. 500 00:28:08,740 --> 00:28:11,790 Suze: Everybody. Again, I'm just going to reiterate this if you 501 00:28:11,790 --> 00:28:15,810 Suze: kept your bond funds for whatever reason, the long term 502 00:28:15,810 --> 00:28:19,570 Suze: or the medium term just stay in there because I 503 00:28:19,570 --> 00:28:22,200 Suze: don't think you're going to be continued to be hurt 504 00:28:22,210 --> 00:28:24,160 Suze: dramatically if at all 505 00:28:24,540 --> 00:28:27,570 Suze: on these funds now and you might find that they 506 00:28:27,570 --> 00:28:32,060 Suze: start to come back up in value. Got that. Okay, good. 507 00:28:32,540 --> 00:28:37,159 Suze: Now when it comes to getting interest from Treasuries 508 00:28:37,740 --> 00:28:41,020 Suze: notes and bonds are really easy. They pay you the 509 00:28:41,020 --> 00:28:43,560 Suze: interest rate every six months 510 00:28:44,540 --> 00:28:48,560 Suze: bills. However work a whole different way 511 00:28:49,440 --> 00:28:53,060 Suze: a bill is sold to you at a discount. 512 00:28:53,940 --> 00:28:57,560 Suze: Let's just say you're going to put in $1,000 513 00:28:57,940 --> 00:29:00,270 Suze: into a one year treasury 514 00:29:00,840 --> 00:29:04,410 Suze: And right now a one year Treasury bill is paying 515 00:29:04,410 --> 00:29:06,360 Suze: about 2%. 516 00:29:07,340 --> 00:29:09,770 Suze: So they do not do it where you put in 517 00:29:09,770 --> 00:29:14,660 Suze: $1,000 and you're paid 2% on $1,000. 518 00:29:15,440 --> 00:29:17,060 Suze: They sell you 519 00:29:17,540 --> 00:29:20,060 Suze: Treasuries at a discount. 520 00:29:20,740 --> 00:29:23,180 Suze: So you would only have to put up in this 521 00:29:23,180 --> 00:29:26,950 Suze: case about $980. 522 00:29:27,540 --> 00:29:31,070 Suze: And in one year from now when that Treasury bill 523 00:29:31,070 --> 00:29:35,060 Suze: matured you would get your $1000 524 00:29:35,740 --> 00:29:39,460 Suze: Because you really purchased $1,000 treasury 525 00:29:40,240 --> 00:29:43,960 Suze: But you only had to pay $980 for it. 526 00:29:44,840 --> 00:29:47,190 Suze: Now I get that doesn't sound like a lot of 527 00:29:47,190 --> 00:29:48,860 Suze: money because really 528 00:29:49,340 --> 00:29:52,420 Suze: Over that one year if you look at that you 529 00:29:52,430 --> 00:29:55,270 Suze: only made $20 530 00:29:56,180 --> 00:29:59,670 Suze: Peeps... that's what interest rates are right now 531 00:30:00,340 --> 00:30:03,920 Suze: if you put in $1000 in one lump sum let's 532 00:30:03,920 --> 00:30:06,980 Suze: just say in a. C. D. And it was paying 533 00:30:06,980 --> 00:30:10,860 Suze: you 1.7 or 2%. All you would make after the 534 00:30:10,860 --> 00:30:13,560 Suze: entire year is $20 535 00:30:14,540 --> 00:30:17,880 Suze: But $20 is better than nothing 536 00:30:19,640 --> 00:30:23,520 Suze: But most people just don't do it for $1,000. They 537 00:30:23,520 --> 00:30:29,260 Suze: do it for larger amounts of money. $5,010,000 $20,000 amounts 538 00:30:29,260 --> 00:30:31,570 Suze: that they want to keep safe and sound and then 539 00:30:31,570 --> 00:30:33,460 Suze: it starts to make sense. 540 00:30:33,840 --> 00:30:37,570 Suze: You know the T notes and everything are paying between 541 00:30:37,570 --> 00:30:43,730 Suze: 2.5 and 2.8% great interest rate right now. Especially remember 542 00:30:43,740 --> 00:30:44,960 Suze: they are states 543 00:30:45,540 --> 00:30:50,560 Suze: and city tax free. That is a big deal. Everybody 544 00:30:50,610 --> 00:30:52,860 Suze: if you live in a state 545 00:30:53,240 --> 00:30:55,550 Suze: that has a high income tax bracket, 546 00:30:56,440 --> 00:30:58,860 Suze: I just have to say something else because it just 547 00:30:58,860 --> 00:30:59,770 Suze: dawned on me. 548 00:31:00,140 --> 00:31:03,540 Suze: The reason that I've been so gaga over the Alliant 549 00:31:03,540 --> 00:31:05,270 Suze: credit union account 550 00:31:05,840 --> 00:31:08,230 Suze: because I want you to just think about this 551 00:31:08,840 --> 00:31:12,560 Suze: Is that if you just put in $100 a month 552 00:31:13,040 --> 00:31:17,360 Suze: for 12 months that's $1,200 553 00:31:18,240 --> 00:31:19,770 Suze: And after one year 554 00:31:20,140 --> 00:31:24,030 Suze: They give you that $100 bonus assuming that you have 555 00:31:24,030 --> 00:31:26,170 Suze: $1,200 at the end of the time 556 00:31:26,740 --> 00:31:29,260 Suze: and now you have after one year 557 00:31:29,640 --> 00:31:31,260 Suze: $1300. 558 00:31:31,840 --> 00:31:35,170 Suze: So can you think about this, you made a $100 559 00:31:35,540 --> 00:31:40,360 Suze: On a $1,200 investment that you made in $100 increments 560 00:31:41,240 --> 00:31:43,670 Suze: versus $20 561 00:31:44,340 --> 00:31:47,270 Suze: On $1,000 investment in a T. Bill. 562 00:31:49,040 --> 00:31:52,280 Suze: Uh huh. Do you understand? So for those of you 563 00:31:52,280 --> 00:31:55,830 Suze: who may be interested in keeping money safe and sound 564 00:31:55,830 --> 00:31:59,670 Suze: and getting an extraordinary yield on it, go to my 565 00:31:59,680 --> 00:32:01,550 Suze: alliant dot com 566 00:32:02,540 --> 00:32:03,170 Suze: and 567 00:32:03,640 --> 00:32:06,230 Suze: look for me there and just see how it works. 568 00:32:06,240 --> 00:32:09,010 Suze: You also can listen to everything at the end of 569 00:32:09,010 --> 00:32:12,200 Suze: this podcast and you should be taking advantage of it, 570 00:32:12,210 --> 00:32:14,320 Suze: you should be taking advantage of it, you should be 571 00:32:14,320 --> 00:32:15,850 Suze: taking advantage of it. 572 00:32:17,040 --> 00:32:21,270 Suze: But that in essence everybody is how Treasuries work. 573 00:32:21,740 --> 00:32:25,160 Suze: Now. If you have questions and you don't understand it, 574 00:32:26,040 --> 00:32:28,950 Suze: just go on to Treasury direct dot gov 575 00:32:29,340 --> 00:32:30,360 Suze: and read 576 00:32:30,740 --> 00:32:31,760 Suze: everything, 577 00:32:32,440 --> 00:32:35,660 Suze: click on T bills, click on T notes, click on 578 00:32:35,660 --> 00:32:39,270 Suze: T bonds and they give you in depth lessons on 579 00:32:39,270 --> 00:32:39,460 Suze: it 580 00:32:40,140 --> 00:32:44,890 Suze: so you can figure this out everybody. But that is 581 00:32:44,890 --> 00:32:48,360 Suze: why I've been so gung ho on Treasuries 582 00:32:48,840 --> 00:32:53,460 Suze: and there you go now. You know all right, everybody 583 00:32:54,240 --> 00:32:56,480 Suze: that kind of brings us to the end of this 584 00:32:56,480 --> 00:32:57,770 Suze: Suze School. 585 00:32:58,240 --> 00:32:58,450 Suze: True. 586 00:32:58,840 --> 00:32:59,459 Suze: So 587 00:32:59,940 --> 00:33:01,670 Suze: I want you to think about what I said at 588 00:33:01,670 --> 00:33:03,360 Suze: the beginning of this podcast. 589 00:33:04,140 --> 00:33:07,670 Suze: I do wish all of you a very safe 590 00:33:08,140 --> 00:33:09,360 Suze: Memorial day. 591 00:33:09,940 --> 00:33:13,290 Suze: I wish all of you a memorial day that you 592 00:33:13,290 --> 00:33:15,360 Suze: spend with somebody you love 593 00:33:16,040 --> 00:33:18,670 Suze: and if there's nobody in your life 594 00:33:19,140 --> 00:33:22,300 Suze: for whatever reason right now because I know how many 595 00:33:22,300 --> 00:33:23,670 Suze: of you are all alone 596 00:33:25,140 --> 00:33:26,960 Suze: then spend this day 597 00:33:27,340 --> 00:33:28,360 Suze: with yourself, 598 00:33:29,040 --> 00:33:33,460 Suze: love yourself in a way that maybe you've never loved 599 00:33:33,460 --> 00:33:40,050 Suze: yourself before, appreciate who you are, appreciate your struggles, appreciate 600 00:33:40,640 --> 00:33:44,560 Suze: that you are still able to be walking on this earth, 601 00:33:44,570 --> 00:33:47,270 Suze: be as healthy as you can possibly be 602 00:33:48,340 --> 00:33:50,170 Suze: and to make choices 603 00:33:50,640 --> 00:33:53,760 Suze: that make you stronger your money stronger 604 00:33:54,140 --> 00:33:55,270 Suze: and others 605 00:33:55,640 --> 00:33:57,770 Suze: happy and strong as well. 606 00:33:58,240 --> 00:34:02,000 Suze: So until Thursday with Ms Travis, which by the way 607 00:34:02,000 --> 00:34:06,490 Suze: I just have to say is already out there planting 608 00:34:06,500 --> 00:34:07,959 Suze: her garden 609 00:34:08,340 --> 00:34:10,560 Suze: for those of you who want to see her garden, 610 00:34:11,040 --> 00:34:14,239 Suze: download the women and money app at Google play or 611 00:34:14,239 --> 00:34:18,270 Suze: Apple apps and there are pictures of it there. And 612 00:34:18,270 --> 00:34:21,239 Suze: again you'll see Colo who lives with us, who's helping 613 00:34:21,239 --> 00:34:21,660 Suze: her 614 00:34:22,140 --> 00:34:26,220 Suze: and she is so happy. I've never seen her so 615 00:34:26,219 --> 00:34:29,730 Suze: happy but take a look at it. It's kind of cute. 616 00:34:29,739 --> 00:34:34,450 Suze: So again, until Thursday when KT joins me for Ask 617 00:34:34,450 --> 00:34:36,660 Suze: KT and Suze Anything, 618 00:34:37,140 --> 00:34:39,120 Suze: there's really only one thing that I want you to 619 00:34:39,120 --> 00:34:42,910 Suze: remember when it comes to your money and is this 620 00:34:42,989 --> 00:34:44,550 Suze: I want you to be safe. 621 00:34:45,040 --> 00:34:46,959 Suze: Strong and secure. 622 00:34:47,340 --> 00:34:49,260 Suze: Stay well everybody. Bye bye. 623 00:34:50,830 --> 00:34:51,060 Music: (Music out)