The Curve

The Curve Platform

The Curve is a platform to learn more about money. To change the stereotype that these conversations are typically boring, and only for men in suits. Victoria has worked in the finance and investing world for 13 years, and Sophie is a total novice. Learn alongside her as she asks all the questions you're thinking, but might feel a little embarrassed to ask. This podcast will give you all the tools and knowledge to achieve financial freedom, as well as (hopefully) having a laugh along the way.

New episodes every Monday and Thursday!

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice

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409 episodes
Updated Sunday

Episodes409

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Jan 20, 2025 · 28 min
The Economic Impact of the LA Wildfires.
The LA wildfires are among the most devastating natural disasters in recent history, with 12,000 structures lost, 200,000 people displaced, and $275 billion in economic damage. This episode explores the financial toll, from $20 billion in insurance claims to the ripple effects on housing and the global economy. We also provide actionable tips - auditing insurance, building emergency funds, and investing in climate-conscious companies - to help you prepare for an uncertain future. It’s a stark reminder of the cost of climate inaction and a call to build a more sustainable world. If you’re moved to help, below are some links to trusted organisations providing relief and support for those affected by the fires: 211 LA | California Community Foundation Fund | Direct Relief | Greater Los Angeles Education Foundation | Habitat for Humanity of Greater Los Angeles | Los Angeles Fire Department Foundation | Musicares | Pasadena Educational Foundation Eaton Fire Response Fund The Curve is BACK IN NZ! Join us for unforgettable night in Auckland CBD as we celebrate the launch of our new Investing Club. Join Soph and Vic (along with some very special guests) for an inspiring conversation packed with investment insights for 2025, practical financial tips, and lessons from 2024 to help you reset and make this year your most financially empowered yet. Date: Tuesday, 4th February Location: Alberts, Auckland NZ Expect exclusive goodie bags featuring some of your favourite brands and champagne on arrival. Don’t miss this rare opportunity to connect with the Curve community. Seats are very limited—grab your tickets now! Ready to level up your investing game? Join our Investing Club today and start building your financial future - sign up here! Podcast recordings mentioned in this episode: RTC60: How to negotiate a pay rise with Meggie Palmer. RTC63: A guide to adulting - Getting your Plan B sorted before it’s too late. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Jan 15, 2025 · 35 min
Budgeting 101 & How to Split Your Pay.
New year, new budget. In this episode, we chat about ditching outdated money habits, setting up a foolproof 3-bucket budget system (essentials, non-essentials, and surplus), and why jumping ship from your childhood bank could save you big bucks. Dani shares exactly how she splits her pay and explains why budgeting is less about penny-pinching and more about feeling financially light. Whether you're starting fresh, trying to fix a blowout, or just want to stop skipping dinner for dessert, this episode is packed with super helpful insights and actionable tips. Also… Paris? That’s a whole budgeting lesson in itself. Episode mentioned in this podcast: How financial literacy can change your life, with Norma Cassius. Want to invest but aren’t sure where to start? We have just created The Ultimate Money + Investing Course which is exactly what you need to get going. Imagine Netflix, Masterclass and every money self help book had a baby… it’s short, easy to follow with actionable steps designed to fast track you to not just thinking about investing, but actually doing it. We recommend all beginners do this course before joining the club. Find out more here: https://thecurveplatform.com/pages/universalmoneycourse For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Jan 13, 2025 · 30 min
Reflecting on 2024 and Predicting 2025.
We’re kicking off 2025 with a deep dive into what lies ahead - and taking a moment to look back at the year that was. First, we reflect on 2024’s incredible market performance, from the S&P 500’s stellar 25% return to the tech sector’s role as the ultimate overachiever. Then, it’s all about the future: Soph shares her New Year productivity hacks (spoiler: vision boards make an appearance), and Vic talks financial transparency and how her emergency fund came to the rescue when she needed it most. We also put our crystal balls to work, predicting whether AI will keep driving the stock market, which companies will dominate the S&P 500, and if Bitcoin will hit $200K. Oh, and don’t forget about the wildcards - we’re throwing out some seriously rogue guesses (Netflix merging with Spotify, anyone?). But we want to hear from you too! What are your predictions for 2025? Which companies will crush it, and what trends do you think we’ll see? Drop your thoughts in the Spotify comments or send us a DM - we might feature your ideas in an upcoming episode. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Dec 18, 2024 · 49 min
RTC146: What we've learned in 2024.
It’s been a YEAR, hasn’t it? From navigating the wild world of personal finances to growing The Curve into a full-on business with staff (yep, we’re bosses now), we’re reflecting on it all. In this episode, we're unpacking the lessons learned in 2024 - like how your personal money habits spill into business, why an emergency fund is your BFF, and the unexpected highs (and lows) of startup life. Expect serious reflections, a few lightbulb moments, and some truly honest chats about what we’ve achieved, where we’ve tripped up, and what’s next. Thank you for being the heart of this journey - your support, shares, and listens make it all possible, and we couldn’t do it without you! See you in 2025 <3 Watch this episode on YouTube. Take control of your finances without the fluff. The Universal Money & Investing Course is here to help you master money and investing your way - and right now, you can snag an early bird discount. To learn more / sign up, click here. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Dec 16, 2024 · 31 min
TCW98: S&P rockets, women’s wealth boom & Taylor Swift’s $2B finale.
Today we're kicking things off with a stock market glow-up as the S&P 500 soars 30% - but will the good vibes last? We throw out our bold predictions for next year and weigh in on what the experts are saying. Then, it’s time to talk AI - who’s building it, why it matters, and how it’s tied to the gender pay gap. Spoiler: women need to step up and join the AI revolution! Next, Walmart's 80% stock surge has everyone buzzing. Is a recession looming? A quirky new economic indicator pits luxury shoppers against Walmart warriors, and we ask: “Is interest the Viagra of the economy?” We also dive into the growing power of women, who are set to control a jaw-dropping $34 trillion by 2030. From high-paying jobs to generational wealth shifts, this rise is changing the game - and philanthropy may never be the same. Finally, we celebrate Taylor Swift’s Eras Tour, which wrapped up as the biggest wealth-generating concert of all time (yes, $2 billion just in ticket sales!). Oh, and before we say goodbye, we humbly ask for your votes at South by Southwest in London... To vote, click here: https://sxswlondon.awardsplatform.com/ Thank you!! Take control of your finances without the fluff. The Universal Money & Investing Course is here to help you master money and investing your way - and right now, you can snag an early bird discount. To learn more / sign up, click here. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Dec 11, 2024 · 39 min
RTC145: A guide to a stress-free (and debt-free) Christmas.
'Tis the season to be jolly... and broke? Not on our watch! This week, with the help of Dani (our FAB commercial director), we unwrap all things holiday finance, from battling the December spending spree to navigating the post-Christmas credit card hangover. We dish out practical tips on setting budgets, finding thoughtful gifts (spoiler: no kimchi, please), and even regifting with flair. Plus, Danielle reveals how planning ahead saved her £260, Vic champions the art of thoughtful gifting, and Sophie learns the power of actually starting in October. If Christmas has you feeling frazzled, join us for a laugh, a lesson, and maybe a plan for a less stressful silly season next year. Your wallet will thank you! Take control of your finances without the fluff. The Universal Money & Investing Course is here to help you master money and investing your way - and right now, you can snag an early bird discount. To learn more / sign up, click here. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Dec 9, 2024 · 30 min
TCW97: Elon Musk's $56 billion at stake & why diamonds are currently NOT a girl's best friend.
Ever felt the sting of financial FOMO? We’ve been there - cashing out too soon and watching those stocks skyrocket. But don’t worry, we’re here to talk about how to move on and make better money moves. December means one thing in the finance world: the Santa Rally! What is it, how does it affect us, and how does it compare to the rest of the year? We break it all down. Next, we’re bringing the holiday spirit to smart gifting! Learn how to be the cool godmother or aunt with a long-term flair - just like a savvy investor. We’re also spilling the tea on Uber’s latest troubles, tackling the slowdown in luxury markets (yep, diamonds aren’t always forever), and diving into Elon Musk’s $56 billion Tesla bet. Will he come out on top, or will the courts call the shots? Watch this episode on YouTube. Take control of your finances without the fluff. The Universal Money & Investing Course is here to help you master money and investing your way - and right now, you can snag an early bird discount. To learn more / sign up, click here. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Dec 4, 2024 · 31 min
RTC144: The new way to borrow and invest smarter, with Sam Rosenberg.
What if the secret to building wealth isn't just saving - but borrowing smartly? In this episode, we sat down with Sam Rosenberg, founder of the fintech platform Belong, about flipping the script on investing. From leveraging loans to make your money work harder, to unraveling why our brains love hoarding cash like dragons, this convo is packed with lightbulb moments. Sam also spills on what behavioural economics taught her about our quirky financial habits and how Belong is designed to tackle them head-on. Oh, and she may or may not have revolutionised the concept of a mortgage for the stock market. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Dec 2, 2024 · 36 min
TCW96: How Trump’s new tariffs could break your wallet.
The price of coffee is on the rise, thanks to climate change giving Brazil’s beans a rough ride. Meanwhile, New Zealand’s interest rates are dropping faster than our willpower in the snacks aisle, but is that actually good news? Spoiler: it’s complicated. We also dive into emerging markets, which are currently in the bargain bin of the global economy. Why? And could this be your next investment move? (Hint: cycles aren’t just for spin classes.) Plus, Sophie shares as she embarks on buying property with a friend - because who needs a man? All that, and some witty banter about inflation-proofing your cash and the sneaky supermarket tactics designed to empty your wallet. Pour yourself a (pricey) coffee and listen in - your wallet will thank you. Watch this episode on YouTube. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Nov 27, 2024 · 30 min
RTC143: Why keeping your money in the bank is costing you money (from the archives).
Ready for some serious penny-drop moments? In this throwback episode, we dive into why keeping your money in the bank might feel safe - but is actually costing you big time thanks to inflation. From redefining what "long-term investing" means (spoiler: it's not just 2 years) to sharing personal finance mishaps, this chat is packed with wisdom, laughs, and practical tips. If phrases like "markets go up to the right" or "bucket investing" have you scratching your head, you’ll leave this episode feeling like a pro. Plus, discover why investing now is way better than waiting for that “perfect” moment. It’s time to stop letting your savings collect dust and start making your money work for you! For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Nov 25, 2024 · 26 min
TCW95: A guide to surviving Black Friday.
Hey NZ, we’ve got a little treat for you! Sign up to ShopBack with our code CURVE10 and pocket a $10 bonus - just in time to crush those Black Friday Cyber Monday deals. Think of it as cashback magic for your wallet! Did you know Black Friday sales account for over $9 billion in online spending each year? This episode breaks down how to spot genuinely good discounts, and why making a list might save your wallet (and your sanity). Plus, we’re sharing a cashback hack that could make your holiday shopping even sweeter! After Black Friday, we dive into the finance world’s latest buzz: Netflix’s first foray into live streaming, featuring a boxing match that packed a punch but also some major tech hiccups. And in big tech drama, Google faces the possibility of being forced to sell off Chrome and Search - what does this mean for investors? Finally, the ice cream business gets political as Ben & Jerry’s squares off against Unilever. Tune in for all the juicy details and a surprise birthday moment you won’t want to miss! Watch this episode on YouTube. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Nov 20, 2024 · 39 min
RTC142: The art of making money from handbags, with Meg Randell.
Once dismissed as frivolous splurges, luxury handbags are now being eyed as smart investments. Could that Chanel or Hermes in your closet be worth more than stocks? In this episode, auction expert Meg Randell takes us through the booming market of designer bags, where brands like Chanel and Hermes see annual price hikes that outpace many traditional investments. From spotting valuable styles to the high-stakes game of “Birkin Bait,” discover the secrets to buying bags that hold - and even grow - their value. Learn how to navigate authenticity checks, spot rare finds, and make your love for fashion pay off. If you've ever thought about the financial power of your favourite accessories, this episode is your insider’s guide to stylish returns. The Bonhams Luxury Gift sale runs November 22nd – December 3rd 2024 and features a beautiful array of luxury pieces from Chanel, Hermes, Dior and more, just in time for Christmas. Browse the catalogue and bid online via their website. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Nov 18, 2024 · 32 min
TCW94: Bitcoin’s $90K Surge and Buffett’s $300B secret.
A peek into a hilariously earnest high school time capsule reveals tiny Vic’s fascination with the news and dreams of PwC, New York, and a life well-lived. Spoiler: some of it worked out, but the love life? Let’s just say it’s been a journey. Shifting gears to today’s big money moves, Bitcoin is on a tear, nearing $90k, and we’re dissecting the FOMO, the risks, and why it’s okay to sit on your hands instead of chasing the hype. Meanwhile, Warren Buffett’s $300 billion cash pile has us wondering - what does the Oracle of Omaha know that we don’t? Plus, we share some all-too-relatable listener stories: from accidentally skipping council rates (oops) to learning the hard way about crypto scams. It’s a crash course in why financial literacy, emergency funds, and a touch of scepticism are your best friends. Sprinkle in some love for long-term investing (shoutout to Buffett) and reflections on the realities of building wealth - slow and steady wins the race. Got a money mishap or a financial flex to share? Drop us a voice note on The Curve Hotline - we might just feature your story (and give you a virtual Curve cuddle)! For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Nov 13, 2024 · 41 min
RTC141: Making $1 million in 1 year on OnlyFans, with Grace Wears Lace.
OnlyFans has changed the game for content creators, and few have played it better than Grace Wears Lace. Rising from hotel receptionist to internet millionaire, Grace pulled in a jaw-dropping $1 million in her first year alone. Now, with a thriving business and three properties under her belt (soon to be four), she’s proof that the platform isn't just about subscriptions - it’s a lucrative business strategy, with monthly earnings ranging from $60,000 to over $100,000. Grace takes us through the unfiltered reality of her world, from the trial-and-error of content pricing to the explosive discovery of financial domination (or "findom"), where her clients actually pay her to control their finances. In fact, some even beg her to “drain” their accounts. It turns out that success on OnlyFans requires way more than just a few photos - it’s a full-time hustle, a business model that involves marketing savvy, high-stakes decision-making, and a strong understanding of personal boundaries. Grace demystifies the misconceptions, breaks down the stereotypes, and gives a whole new meaning to “earning it on your own terms.” Watch this episode on YouTube. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Nov 11, 2024 · 30 min
TCW93: Post-election markets: stocks, ethics, and uncertain times.
With the recent election on everyone’s mind, we’re diving into how these shifts are affecting the markets and the moral dilemmas they bring. From Trump’s policies impacting the S&P 500 to the ethical questions around investing in high-carbon companies, we’re unpacking the complex intersection of finance, values, and what it means to stay true to our principles as investors. Our amazing commercial director, Dani, joins in to share insights on balancing profit with purpose, as we look at the rise in crypto, oil, and gas stocks - and why they may or may not align with our long-term goals. How can we stay committed to the companies doing good when the market rewards those that don’t? And when billionaires are pocketing billions, where does that leave the rest of us? Join us for a reflective discussion on finding integrity and direction in today’s financial landscape, even when it feels like everything’s upside down. Watch this episode on YouTube. Podcast episodes mentioned: RTC21: Is cryptocurrency something you should be investing in? RTC140: Why investing isn’t as scary as you think. Feeling fired up, frustrated, or just need to vent? Share your thoughts with us on The Curve Hotline - we’re here to listen and keep the conversation going. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Nov 4, 2024 · 25 min
TCW92: Key takeaways from the UK’s historic budget.
First up in The Curve Weekly this week, we look at the latest UK budget, a milestone event marked by the first-ever budget created by a female chancellor in over a millennium. We break down why this historic budget matters, not just for those in the UK, but for anyone wanting to understand how national policies impact everyday finances. From the nuances of tax brackets and salary negotiations to the implications of capital gains tax and minimum wage increases. Plus, find out why these changes could mean higher prices at your favourite coffee spot and how strategic salary perks might save you from unexpected tax surprises. We also touch on Donald Trump’s headline-making appearance on Joe Rogan’s podcast and its implications, Reddit’s surprising first profit report after going public, Mars’ multi-billion-dollar acquisition of Kellogg’s snack division, and the staggering $20 decillion fine Russia imposed on Google. For more of Vic’s top-notch market insights, check out The Curve Weekly newsletter she crafts each week! Sign up here to get it straight to your inbox. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Oct 30, 2024 · 23 min
RTC140: Why investing isn’t as scary as you think.
(Highly recommended): Watch this episode on YouTube In this Halloween special of Raising the Curve, we're tackling the spooky myths and misconceptions that keep so many from diving into the world of investing. From demystifying complex terms to addressing common fears - like losing money or not knowing where to start - we’ll show you that investing doesn’t have to be frightening. Whether you’re a newbie or helping someone take their first step, tune in for an episode filled with financial wisdom, the real truth about growing your wealth and a couple of epic halloween costumes you don't want to miss. Check out our free glossary for beginner-friendly definitions of investing terms here! For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Oct 28, 2024 · 28 min
TCW91: Gold shines bright as the S&P500 faces a grim forecast.
Gold’s glittering again, hitting record highs as the ultimate “safe bet” while the world grapples with election chaos and global tensions. Investors are flocking to it for stability, like it’s the market’s comfort blanket. Meanwhile, Tesla has finally pulled itself out of the gutter with a 20% stock boost, thanks partly to its upcoming Cybertruck (yes, the blocky one that looks like an origami project gone rogue). In bigger market news, Goldman Sachs is predicting the S&P 500 will only see a 3% average return over the next decade, leaving us all wondering if it’s time to rethink the so-called “safe bets.” And wrapping up, luxury brands like Gucci are riding a rocky wave with declining sales, especially in China, but some investors are convinced the bottom is in - because if things get any worse, at least they’ll look fabulous doing it. For more of Vic’s top-notch market insights, check out The Curve Weekly newsletter she crafts each week! Sign up here to get it straight to your inbox. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Oct 23, 2024 · 34 min
RTC139: Breaking down the US election.
Today we're diving headfirst into the chaos of the US election and what it means for your money. From tax cuts and crypto to fossil fuels and baby bonuses, we’re breaking down the policies of Kamala Harris and Donald Trump - minus the political jargon. Worried about how the election might mess with your investments or your 401k? We’ve got you covered. We’ll sift through the noise, debunk myths about politics and the stock market, and give you the straight facts so you can keep your portfolio steady while the political circus unfolds. Even if you’re not in the U.S, this episode is still a must-listen. The ripple effects of the election will impact global markets and economies, so whether you're investing in American stocks or just curious about how political decisions can shake up your finances, we've got the insights you need to stay ahead. Watch this episode on YouTube. For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
Oct 21, 2024 · 41 min
TCW90: Could weight loss pills boost productivity?
This week, we’re unpacking the UK’s bold move to offer weight loss drugs to boost productivity. Is this the future of economic policy, or just another quick fix? Next, we spotlight the energy consumption crisis tied to AI: did you know a single command uses the same energy as lighting a bulb for an hour? And if you think that’s wild, wait till you hear about Bitcoin’s energy demands. From there, we dive into Uber’s almost-acquisition of Expedia - yes, you read that right. What’s their game plan? Are we heading toward an Uber for everything? Lastly, we explore the economic rivalry between Australia and New Zealand. With one country thriving and the other struggling, we break down what’s really happening across the Tasman. Watch this episode on YouTube. Curious about how money influences your dating choices? Take our quick quiz here to share your thoughts and see how you compare with others navigating the world of finance and romance! For more from The Curve: Instagram YouTube Website TikTok Newsletter Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.