Podcast Episode - Suze School: Mini-Master Class on Treasury Bills, Notes & Bonds

Listen to Podcast Episode:

Suze starts today's podcast reflecting on Memorial Day and gives us a brief recap of where real estate, energy and food prices are.

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Podcast Transcript:

00:00:07
Music: (Music In)

00:00:33
Suze: May 29th 20 22. Hi everybody, Suze O here and welcome to the Women and Money podcast

00:00:42
Suze: as well as everyone else smart enough to listen.

00:00:48
Suze: All right,

00:00:50
Suze: tomorrow is Memorial Day

00:00:53
Suze: and KT said to me this morning, now, Suze, you make sure you wish everybody a happy Memorial Day.

00:01:04
Suze: And I have to tell you everybody. I was thinking about that

00:01:08
Suze: and I was thinking about the events that have recently happened in Buffalo, in Texas,

00:01:17
Suze: everywhere in the world. Truthfully, especially in America.

00:01:22
Suze: But I've been thinking about

00:01:24
Suze: all the people, not just those in the armed forces, but everybody who has lost their lives recently

00:01:34
Suze: and on some level we're all warriors. It seems we're all really fighting

00:01:40
Suze: for our freedom. The freedom to send our kids to school and not have to worry about it. The freedoms to be able to walk down the street no matter who you are or what you are. It doesn't matter. And everybody accepts you. We've all been fighting for simple freedom to have an abortion if you want one to not have an abortion. If you don't

00:02:02
Suze: to not carry guns. That will absolutely obliterate people. We are looking for freedom.

00:02:10
Suze: And so

00:02:12
Suze: I don't know

00:02:13
Suze: does the word happy go with Memorial Day?

00:02:19
Suze: And I have to say.

00:02:21
Suze: I don't think it does at this point in time.

00:02:25
Suze: I think the word that goes with it

00:02:28
Suze: is

00:02:30
Suze: have a soulful, prayerful, wishful,

00:02:35
Suze: actionable to make this world freer

00:02:39
Suze: Memorial Day is more of an accurate description.

00:02:43
Suze: You know, a few days ago,

00:02:45
Suze: I was on Banfield...

00:02:48
Suze: Ashleigh Banfield show and when you are about to go on a tv show,

00:02:54
Suze: especially when you've been zoomed in, you're sitting there watching the show listening to the guests that are on before you

00:03:03
Suze: and the whole segments before me obviously was on the tragedy that happened in Texas

00:03:12
Suze: and then she starts to introduce me

00:03:16
Suze: and it's all about money and it's going to cost more to go away this Memorial Day weekend and inflation and all of these things.

00:03:26
Suze: And when she came to me

00:03:29
Suze: I found myself saying to her, you know, Ashley, we'll talk about money,

00:03:35
Suze: but I think it's really important to understand

00:03:39
Suze: that money

00:03:41
Suze: it comes and it goes and it comes back again. I mean, especially with the stock market, it goes up and it goes down and it comes back again and then you made even more money and that's essentially what's kind of happened this last week.

00:03:56
Suze: But there's a life to it

00:03:59
Suze: and it just doesn't go away and that's it of course, unless you made a really bad investment. But that is besides the point,

00:04:07
Suze: but when it comes to a life,

00:04:10
Suze: when it comes to people,

00:04:13
Suze: once that life is taken,

00:04:16
Suze: that life does not come back to us

00:04:20
Suze: and I think especially

00:04:23
Suze: on this particular Memorial Day,

00:04:26
Suze: I think it's important to keep everything really in perspective,

00:04:32
Suze: as you know, one of my favorite sayings is people first then money then things

00:04:39
Suze: and if you keep that

00:04:41
Suze: in perspective

00:04:43
Suze: what's really, really, really

00:04:47
Suze: irreplaceable in this life,

00:04:50
Suze: It is people

00:04:53
Suze: and so

00:04:54
Suze: I just wanted to say that

00:04:57
Suze: so that all of us

00:04:59
Suze: could usher in the Memorial day

00:05:02
Suze: with the right attitude, the right wishes and then eventually the right results.

00:05:09
Suze: Okay, everybody last week,

00:05:12
Suze: last week was a very interesting week

00:05:15
Suze: because it is the first time

00:05:17
Suze: in over eight weeks that all the markets went up and they went up and they went up.

00:05:25
Suze: Now, if you've been listening to me, I've said to all of you, I thought that the market would probably have a bounce here.

00:05:33
Suze: However, it's a bounce

00:05:36
Suze: and a bounce is when you take a ball and you bounce it,

00:05:41
Suze: it goes down, which is what the markets did, hits the floor, bounces off of it goes up

00:05:48
Suze: and then kind of comes back down again.

00:05:51
Suze: And so I don't think

00:05:54
Suze: this is like March

00:05:56
Suze: Of 2020, where we're going to go up and up and up and up right now and everything's going to be great again,

00:06:04
Suze: I think this is a bounce and I think that this bounce could last

00:06:09
Suze: a week,

00:06:10
Suze: another week, maybe two weeks, but eventually here and not very long from here,

00:06:16
Suze: I think we will see these markets go right back down again,

00:06:22
Suze: so

00:06:23
Suze: if

00:06:24
Suze: you are looking at these things and now all of a sudden you didn't want to be in the market and you were scared to death and you wanted to get out but you didn't know what you should do, but you really don't want to be in the markets, even though if you ask me,

00:06:40
Suze: if you have time on your side, I think that would be one of the biggest mistakes you could ever make. However,

00:06:46
Suze: this is your money and you have to make decisions with it and you have to decide, do you want it in the market or do you not?

00:06:56
Suze: And if you decide you don't

00:06:58
Suze: again, for whatever reason,

00:07:00
Suze: the next week or two, you may decide to take advantage

00:07:05
Suze: of the increase in some of these stocks that have gone up tremendously over this period of time, meaning the last week and maybe the next week

00:07:18
Suze: up to you.

00:07:19
Suze: But I will reiterate

00:07:22
Suze: that

00:07:23
Suze: eventually these markets and these stocks that have been really hurt,

00:07:28
Suze: they will come back, it could take two years, could take three years, could take shorter than that.

00:07:33
Suze: But the way you make great money,

00:07:37
Suze: the way you truly get your money to grow

00:07:40
Suze: is you don't buy and sell and buy and sell, know you buy good quality stocks,

00:07:47
Suze: ETFs

00:07:49
Suze: mutual funds and you hold them for the long run as long as they are diversified

00:07:56
Suze: and they make sense.

00:07:59
Suze: So that's one little update. Another update

00:08:03
Suze: is

00:08:04
Suze: that real estate

00:08:07
Suze: has truly started to cool off pretty big time. That doesn't mean it's going down. So don't get traumatic hair on me

00:08:15
Suze: as I said to all of you during the webinar and you've got the tip sheet for the webinar and if you, by the way, didn't listen to the webinar

00:08:24
Suze: that I did on May 24,

00:08:27
Suze: and 44,000 people did right, but if you didn't listen, I think they will be replaying it next week.

00:08:36
Suze: But everybody who did sign on and listen to it also got a tip sheet of everything I said in that webinar, but I'm going to summarize a little bit

00:08:48
Suze: what I said for you right now. But again, for all of you have been asking they are going to replay the webinar next week's and so many of you want to see it again.

00:08:59
Suze: Real estate,

00:09:00
Suze: real estate is absolutely cooling down here

00:09:04
Suze: Before you would put a property on the market for sale and you would have 15, bids on it right away

00:09:12
Suze: Now, maybe you're getting four or 5

00:09:15
Suze: applications for mortgages, all kinds of things have gone down. That does not mean, as I said a few seconds ago that real estate is going to go down in price.

00:09:27
Suze: I just don't think you're going to get the appreciation that you got last year, the year before, whatever it may be where some of you got 20 or 30% a year increase on your real estate.

00:09:40
Suze: I think you'll see 5% or more could be 10% I don't think you'll see a decrease in value. However, so real estate is still something you can do if you want mortgage rates

00:09:55
Suze: I think have cooled off here a little bit

00:09:58
Suze: because of the deterioration of the stock market.

00:10:02
Suze: The market's going down so much from their highs

00:10:06
Suze: and the price of oil and certain things food continuing to increase. So inflation is still here.

00:10:15
Suze: It kind of is starting a little bit to cool off the economy.

00:10:20
Suze: So with that said interest rates

00:10:23
Suze: are starting to cool off and go down a little bit here.

00:10:28
Suze: So I think you'll see that maybe mortgage rates will come down or stay right around here. I'm not exactly sure that you're going to see them now go to six or 7% in skyrocket.

00:10:41
Suze: So this could be

00:10:43
Suze: closer to the top of the mortgage

00:10:46
Suze: environment for interest rates here then I would have thought two or three weeks ago.

00:10:53
Suze: One other thing and then I'll go on to the Suze School today

00:10:57
Suze: is that

00:10:58
Suze: oil

00:11:00
Suze: I think oil is going to continue to go up or energy is going to continue to go up.

00:11:07
Suze: And the reason that I think that is because when china opens up and they have to open up soon we're going to have more people driving again and using oil.

00:11:22
Suze: So the demand for oil will increase

00:11:26
Suze: europe everybody is at a deficit for oil as well as natural gas,

00:11:34
Suze: we are consuming more than we are producing.

00:11:39
Suze: So when that is true, it's against supply and demand, our supply is down, the demand will be going up, which in my opinion will cause energy prices to go up.

00:11:52
Suze: I would not be surprised if we saw oil, it's around 1 14 a barrel right now, could go as high as 1 50.

00:12:00
Suze: What that translates to all of you is that gasoline prices are absolutely going to go up and up.

00:12:10
Suze: So just something to keep in mind,

00:12:13
Suze: the same thing happens to be with food

00:12:17
Suze: because I want you to think about this if gasoline prices continue to go up

00:12:24
Suze: than to ship that food to all of you for the truckers, whatever it costs them more

00:12:30
Suze: and therefore they will pass those prices down to all of you.

00:12:34
Suze: The other thing, which is very true.

00:12:37
Suze: We

00:12:38
Suze: still have a food shortage on our hands with grain and other types of food. So that will make it more expensive

00:12:48
Suze: and it just doesn't seem like that's going to be solved anytime soon. So, be prepared to continue to pay more and more for not only gasoline, but food as well,

00:13:02
Suze: I want to go back however, to oil for a second here.

00:13:06
Suze: So

00:13:07
Suze: oil as well as the oil stocks that I've recommended to all of you for the past over two years now

00:13:15
Suze: and I've added a few new ones to them

00:13:18
Suze: again are performing so well and I'm very thrilled about that, you do need to watch them closely because you have all, if you followed my advice starting a long time ago, you have made a considerable sum of money, not only on the appreciation of the E T F - X L. E. And

00:13:38
Suze: other stocks,

00:13:41
Suze: but you've also been getting paid a tremendous dividend recently on the webinar. And maybe even on this podcast, I recommended a new energy stock by the name of Pioneer. The symbol was P XD.

00:13:59
Suze: And I told all of you that this is one of the highest yielding stocks, if not the highest

00:14:07
Suze: on the stock exchange

00:14:10
Suze: and many of you wrote me and you said Suze, you're wrong.

00:14:13
Suze: I looked up the, the thing, it's only giving like two or 3% it's not giving you, you know, 89 10 11%. It's not doing that, Suze. So I don't get it.

00:14:25
Suze: Alright, I want you to listen to me right now everybody

00:14:28
Suze: because these oil stocks

00:14:31
Suze: are so cash rich,

00:14:34
Suze: they are making so much money right now, I cannot even tell you.

00:14:40
Suze: So they have all of this cash

00:14:44
Suze: and Pioneer especially has decided they are going to be offering you besides the fixed dividend

00:14:52
Suze: that they pay you every year,

00:14:54
Suze: which comes out quarterly,

00:14:56
Suze: they are going to pay you a variable dividend and they're just going to give it to you

00:15:03
Suze: and if you were owner of record

00:15:06
Suze: as of Friday,

00:15:09
Suze: then they will distribute to you, I think come June

00:15:13
Suze: A $7.62, something like that dividend in

00:15:18
Suze: per share.

00:15:20
Suze: And when you combine that dividend with the other dividends, this is an incredibly high yielding dividend paying stock.

00:15:29
Suze: The same is true with Devon

00:15:33
Suze: so when you buy these stocks don't get confused by simply doing what going and looking what the yield is and everything

00:15:42
Suze: do more research, you know, Google, why is Pioneer giving such a high dividend And and you'll find the answers to your questions

00:15:53
Suze: if you like oil or energy,

00:15:56
Suze: you know another stock. And I think I may have told you this is Diamondback symbol F A N. G or Occidental Petroleum, which Warren Buffett absolutely loves OXY

00:16:08
Suze: but don't get too heavily invested in oil

00:16:13
Suze: because if you look at how much oil has gone up in value, it may make up a really big percentage of your entire portfolio,

00:16:26
Suze: so you don't want too much invested in just one area.

00:16:30
Suze: However, again, I will reiterate oil has held up pretty well here

00:16:36
Suze: and I don't know, I find it hard not

00:16:39
Suze: to want to be invested in some oil stocks.

00:16:43
Suze: The same by the way with natural gas Catara symbol, C T R A is something that you might want to look into that

00:16:54
Suze: Now. I just want to also address one more thing

00:16:59
Suze: a while ago, I told you all about how I really thought in times like this,

00:17:06
Suze: it was important to be invested in staples

00:17:09
Suze: and if you don't know what a staple is, it is something that you have got to buy your toothpaste, you know things that have got to be purchased no matter what

00:17:21
Suze: and I recommend it at the time. In exchange traded fund with a symbol by the name of X. L. P.

00:17:29
Suze: It was paying about 2.5% dividend and it was invested big time in

00:17:35
Suze: a variety like I said of staples.

00:17:39
Suze: The problem is that when

00:17:42
Suze: and E. T. F. follows an index or by staples

00:17:47
Suze: they buy more of certain stocks versus other stocks.

00:17:52
Suze: So they may have stocks that make up 3% of their portfolio or 5% or their top holdings

00:18:00
Suze: just follow me here for a second.

00:18:03
Suze: What happened with X. L. P.

00:18:06
Suze: And which is why

00:18:08
Suze: two weeks ago it went down so much to everybody's shocked by the way

00:18:14
Suze: because a few of its main holdings

00:18:18
Suze: such as Walmart, the stock got hit considerably

00:18:25
Suze: Walmart, Target places that sell staples and things like that

00:21:01
Suze: on Treasuries. Just so you understand why I like them.

00:21:07
Suze: Okay.

00:21:08
Suze: You know in life

00:21:10
Suze: it's not very easy to say

00:21:13
Suze: I guarantee you something

00:21:16
Suze: and really, really mean it.

00:21:19
Suze: But with a series I bonds or truly any Treasury, anything that is issued by the United States Treasury

00:21:29
Suze: is the only investment

00:21:33
Suze: that a financial advisor can say to you is absolutely guaranteed.

00:21:39
Suze: And the reason that is is that all Treasuries are backed by the full faith and authority of the United States government. If the government gets in trouble

00:21:52
Suze: and they don't have the money to pay you back the money that you invested with them by purchasing a Treasury. Oh they will raise taxes in order to just pay you back.

00:22:06
Suze: So again, I love Treasuries

00:22:10
Suze: Because it is the only investment that's 100% guaranteed.

00:22:15
Suze: Recently, I'd like to tell you what I do with my own money.

00:22:18
Suze: Recently, I've found myself in a position that I have truthfully a lot of cash

00:22:26
Suze: now, I want to know that that cash is safe and sound and nothing can happen to it.

00:22:33
Suze: So particularly because they are large sums of money. And I don't mind telling you there are millions of dollars.

00:22:40
Suze: I want to know that I'm not only getting a great interest rate.

00:22:45
Suze: I want to know. Not only is that money 100% guaranteed.

00:22:50
Suze: I want to know that I could sell that instrument that Treasury anytime I want without penalty.

00:22:59
Suze: That I could possibly even make money on that cell.

00:23:03
Suze: I want to know that if I hold it to maturity it will do exactly

00:23:08
Suze: what I know it's going to do

00:23:11
Suze: and I just want it available to me like I said when I want it.

00:23:16
Suze: That is why I buy Treasuries.

00:23:21
Suze: Now

00:23:22
Suze: you have to know that there are different kinds of treasuries.

00:23:27
Suze: There are Treasury bills,

00:23:29
Suze: there are Treasury notes and there are Treasury bonds.

00:23:34
Suze: A Treasury bill

00:23:37
Suze: has a maturity

00:23:39
Suze: Of either four weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks.

00:23:47
Suze: Treasury bills do not have maturity these longer than one year.

00:23:54
Suze: And you can buy a Treasury for any of those maturity is that you want. So you know

00:24:01
Suze: that if you really just want to tie your money up for a small period of time, you can.

00:24:09
Suze: Next is notes.

00:24:11
Suze: Treasury notes

00:24:13
Suze: Are longer than a year. They are usually from two years to 10 years.

00:24:20
Suze: So you can buy a Treasury note that matures in two years, three years, five years, seven years or 10 years,

00:24:29
Suze: those are the maturity ease of T notes. Treasury bonds have only to maturity ease and those maturities are 20 years or 30 years. So when you buy any Treasury,

00:24:44
Suze: you invest and you know for sure at the maturity date you will get your money back.

00:24:54
Suze: now. Not only do you get your money back,

00:24:57
Suze: but you also are paid in interest rate

00:25:01
Suze: on these bills, Notes and bonds, which is why you're essentially investing in them.

00:25:09
Suze: Now before I go into that, I just want to say the minimum investment on bills, notes or bonds is $100.

00:25:19
Suze: Usually people buy things in $1,000, whatever. But I like talking about investments

00:25:28
Suze: That anybody could buy and take advantage of. That's why I love series I bonds so much because you can buy one for $25 if you want.

00:25:40
Suze: So it's a place for everybody who wants to be safe and make a relatively good interest rate in Treasury bills, notes or bonds and an extraordinary interest rate in series I bonds.

00:25:55
Suze: Now here's what you need to know about interest

00:25:59
Suze: as I've told you many many times.

00:26:03
Suze: There is a law of money

00:26:05
Suze: and that law of money goes like this. When interest rates go up

00:26:10
Suze: the price

00:26:12
Suze: of your fixed income investments, whether they are bond funds or any individual Bill bond or note happens to go down.

00:26:24
Suze: If interest rates go down, the values go up,

00:26:28
Suze: we are still in an interest rate environment

00:26:31
Suze: where interest rates are absolutely projected to go up.

00:26:36
Suze: Now another rule of money or loss of money

00:26:40
Suze: is that the longer the maturity of a bill note or bond,

00:26:47
Suze: The more volatile it is, number one

00:26:50
Suze: So when interest rates go up, the longer the maturity bonds will go down.

00:26:57
Suze: Also for that risk

00:26:59
Suze: you are being paid normally

00:27:02
Suze: a higher interest rate for you to go out to longer maturities .

00:27:07
Suze: So a 10 year Treasury Note will usually pay you more than a two year Treasury Note.

00:27:14
Suze: A two year Treasury Note will pay you far more than a four week Treasury Bill.

00:27:22
Suze: Does that make sense?

00:27:24
Suze: But the longer the maturity

00:27:28
Suze: the more volatile they are

00:27:30
Suze: up and down movements. And what else?

00:27:34
Suze: The more interest rate you are normally paid.

00:27:38
Suze: That is the reason for those of you who had bond funds. I was asking you to at least switch and this is a while ago. I don't want you to do this now. Right. But to switch in two short term bond funds,

00:27:53
Suze: which means that the bonds that are in that fund have short maturities . So if interest rates have gone up you would not have been hurt as much as if you were in a long term bond fund.

00:28:08
Suze: Everybody. Again, I'm just going to reiterate this if you kept your bond funds for whatever reason, the long term or the medium term just stay in there because I don't think you're going to be continued to be hurt dramatically if at all

00:28:24
Suze: on these funds now and you might find that they start to come back up in value. Got that. Okay, good.

00:28:32
Suze: Now when it comes to getting interest from Treasuries

00:28:37
Suze: notes and bonds are really easy. They pay you the interest rate every six months

00:28:44
Suze: bills. However work a whole different way

00:28:49
Suze: a bill is sold to you at a discount.

00:28:53
Suze: Let's just say you're going to put in $1,000

00:28:57
Suze: into a one year treasury

00:29:00
Suze: And right now a one year Treasury bill is paying about 2%.

00:29:07
Suze: So they do not do it where you put in $1,000 and you're paid 2% on $1,000.

00:29:15
Suze: They sell you

00:29:17
Suze: Treasuries at a discount.

00:29:20
Suze: So you would only have to put up in this case about $980.

00:29:27
Suze: And in one year from now when that Treasury bill matured you would get your $1000

00:29:35
Suze: Because you really purchased $1,000 treasury

00:29:40
Suze: But you only had to pay $980 for it.

00:29:44
Suze: Now I get that doesn't sound like a lot of money because really

00:29:49
Suze: Over that one year if you look at that you only made $20

00:29:56
Suze: Peeps... that's what interest rates are right now

00:30:00
Suze: if you put in $1000 in one lump sum let's just say in a. C. D. And it was paying you 1.7 or 2%. All you would make after the entire year is $20

00:30:14
Suze: But $20 is better than nothing

00:30:19
Suze: But most people just don't do it for $1,000. They do it for larger amounts of money. $5,010,000 $20,000 amounts that they want to keep safe and sound and then it starts to make sense.

00:30:33
Suze: You know the T notes and everything are paying between 2.5 and 2.8% great interest rate right now. Especially remember they are states

00:30:45
Suze: and city tax free. That is a big deal. Everybody if you live in a state

00:30:53
Suze: that has a high income tax bracket,

00:30:56
Suze: I just have to say something else because it just dawned on me.

00:31:00
Suze: The reason that I've been so gaga over the Alliant credit union account

00:31:05
Suze: because I want you to just think about this

00:31:08
Suze: Is that if you just put in $100 a month

00:31:13
Suze: for 12 months that's $1,200

00:31:18
Suze: And after one year

00:31:20
Suze: They give you that $100 bonus assuming that you have $1,200 at the end of the time

00:31:26
Suze: and now you have after one year

00:31:29
Suze: $1300.

00:31:31
Suze: So can you think about this, you made a $100

00:31:35
Suze: On a $1,200 investment that you made in $100 increments

00:31:41
Suze: versus $20

00:31:44
Suze: On $1,000 investment in a T. Bill.

00:31:49
Suze: Uh huh. Do you understand? So for those of you who may be interested in keeping money safe and sound and getting an extraordinary yield on it, go to my alliant dot com

00:32:02
Suze: and

00:32:03
Suze: look for me there and just see how it works. You also can listen to everything at the end of this podcast and you should be taking advantage of it, you should be taking advantage of it, you should be taking advantage of it.

00:32:17
Suze: But that in essence everybody is how Treasuries work.

00:32:21
Suze: Now. If you have questions and you don't understand it,

00:32:26
Suze: just go on to Treasury direct dot gov

00:32:29
Suze: and read

00:32:30
Suze: everything,

00:32:32
Suze: click on T bills, click on T notes, click on T bonds and they give you in depth lessons on it

00:32:40
Suze: so you can figure this out everybody. But that is why I've been so gung ho on Treasuries

00:32:48
Suze: and there you go now. You know all right, everybody

00:32:54
Suze: that kind of brings us to the end of this Suze School.

00:32:58
Suze: True.

00:32:58
Suze: So

00:32:59
Suze: I want you to think about what I said at the beginning of this podcast.

00:33:04
Suze: I do wish all of you a very safe

00:33:08
Suze: Memorial day.

00:33:09
Suze: I wish all of you a memorial day that you spend with somebody you love

00:33:16
Suze: and if there's nobody in your life

00:33:19
Suze: for whatever reason right now because I know how many of you are all alone

00:33:25
Suze: then spend this day

00:33:27
Suze: with yourself,

00:33:29
Suze: love yourself in a way that maybe you've never loved yourself before, appreciate who you are, appreciate your struggles, appreciate

00:33:40
Suze: that you are still able to be walking on this earth, be as healthy as you can possibly be

00:33:48
Suze: and to make choices

00:33:50
Suze: that make you stronger your money stronger

00:33:54
Suze: and others

00:33:55
Suze: happy and strong as well.

00:33:58
Suze: So until Thursday with Ms Travis, which by the way I just have to say is already out there planting her garden

00:34:08
Suze: for those of you who want to see her garden,

00:34:11
Suze: download the women and money app at Google play or Apple apps and there are pictures of it there. And again you'll see Colo who lives with us, who's helping her

00:34:22
Suze: and she is so happy. I've never seen her so happy but take a look at it. It's kind of cute. So again, until Thursday when KT joins me for Ask KT and Suze Anything,

00:34:37
Suze: there's really only one thing that I want you to remember when it comes to your money and is this I want you to be safe.

00:34:45
Suze: Strong and secure.

00:34:47
Suze: Stay well everybody. Bye bye.

00:34:50
Music: (Music out)

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