Investor's Edge with Gary Kaltbaum - A GOOD FRIDAY WEEK IN REVIEW [03.14.2025]

Episode Date: March 14, 2025

https://garykaltbaum.com/__________Disclaimer:The opinions you hear on BizTalkRadio, BizTV, or BizTalkPodcasts are those of the hosts, callers, and guests and do not necessarily reflect those of BizTalkRadio, BizTV, or BizTalkPodcasts, its management or advertisers. The information on BizTalkRadio et al does not constitute a recommendation, offer, or solicitation to buy or sell any product or securities. Please consult a professional before investing.

Guys, it's no use putting it off. The best time for an underwear refresh is now. Tommy John underwear is designed for a perfect fit that stays put all day. Their zero-chafe thanks to four times more stretch than competing brands. And their innovative horizontal quick-draw fly is a game changer. With over 30 million pairs sold, there are thousands of men out there more comfortable than you. Don't settle for less. Go to Tommyjohn.com today for 25% off your first order with Code Comfort.

That's Tommyjohn.com, code comfort. Tommy John. Comfort perfected. Investor's Edge with Gary Coltbaum. Straight talk about you and your money. Now from the BizTalk Studios, here is Gary Cultbaum. And welcome once again to Investors Edge. I'm Gary Coltbaum, your host. A thanks for being with us today.

Glad you here, ladies and gentlemen. Happy that you are listening. It is Friday, March 14th, March 14th, 2025 and I'm not traveling this weekend. Unless I get the call from the dad. It's one of those rare weekends. I am staying put here in Central Florida, in 80 degree weather.

Yay. Hey, hope you're having a good day. Hope you have whatever plans for the weekend. Drive safely, stay well. As always, serious talk on everything. that affects you. We will do the markets. We will do the economy. Your job, your industry. Doge, tariffs, debt, deficits, scams, shams, corruption. You name it, we cover it.

And finally, a decent day in the markets, ladies and gentlemen, quite the overdue. The question is, is the low in or is a low in the markets a low means for the time being the low means it's the one and in case you did not know let me give you some facts you may or may not have heard a ton of stock well let me give you their definition of a bare market something that drops 20%. We'll go along with that. Let's just go along with 20%, even though we somewhat differ. I can tell you flatly, a ton of stocks are in a bare market. A ton, a ton. A ton. A ton. I can look at any one of my screens and just pick out a name. It's as simple as that. Let's see. I'm going to look to my left and go. Let's go Lenar Holmes. 186 to 118 points, right? 64 points, 66 points. Whatever. Come on, Gary. 68 points.

37% about? How about a Freeport MacMarrant, Copper and Gold. 50%. 55 to 38, about 20 some odd percent. Let's go to my left screen and put up synopsis. 624 to 446. Okay, how about names you've probably heard of? How's Airbnb? Did that go 20%? 163 to 122 in four weeks.

164 to 122. That's 42 points on 164. That's a bare market. Crowdstrike was up $21 today on a stronger day. $455 to 353, even with this rally. That's 102 points on 455. That's a bare market. And the list goes on and on.

The Russell 2000, 2000 stocks, did that hit bare market? 2466 to, as of yesterday, 21. 1990. That's 476. Nope, didn't hit it. 19%. But still 19%. The transports, they were finally up 245 today, closed at 14605, down 3,200 points from November. about 18% inclusive of today, but before today, 17,845, 14, that would be 30. That'd be about 20%. So a lot of bare markets, a lot. And this week, the week in review, let us give you the week in review numbers for the week before we give you today.

The Dow for the week on this day closed. 14, 488. over 1,300 points down. About 1,314 points down on the week. The Dow.

Okay? Cool. The NASDAQ on the week closed down, I think This is the right number, 754. 442 points on the week. 2.4%. The Philadelphia Semiconductor Index actually had a decent week compared to where it was.

Only down 30 points. Was down at one time, whoa, 320 points. So better days recently for the Russell 2000. The S&P 500 on the week. Closed at 5638, down 131 points more than 2%. But going into today, it was really nauseating. We finished up 674 today on the Dow. Coming into today, we were down 1988 points in four days.

Average 500 points a day. So we were overdue. Not throwing cold water on it, but boy, will we overdue. S&P up 117, the NASDAQ today, up 451. And still down for the week, 442. At least it cut it in half. We'll take it. Now, mind you, coming into the week, we were already decently off the highs.

Here's what my suggestion is on today. I'm pretty sure. Now I'm going to take those words back. I believe, notice I took the words back. A low was put in today, A, after the NASDAQ dropped from 20,110, down to yesterday's close, 17303, almost 3,000 points in 2,5. half weeks. I think a low was put in. A, is it the low? Don't know yet. But I will state this for the record. If this week's lows are taken out at any time, we'll be talking a bare market for the NASDAQ itself and the NASDAQ 100, because that will invite even more.

more serious selling in the market. But I think for now, we give it the benefit of the doubt. What happened today after a miserable four days for the market? Well, in case you don't know, Monday was a bad drop. Tuesday, we pretty much sat around. Wednesday, we bounced a little. Yesterday, we gave most of it back, but held the lows of the week. That's what happened. We were stretched, extended, oversold, big dose of bearishness

picks up, so we bounce. Simple as that. Nothing more, nothing less. And now we'll need to see some cards coming out of the deck. What didn't show up today, and it's preliminary, but I'm pretty sure. Volume on the S&P today looks like a joke. On the NASDAQ today, low. May have been a little higher than yesterday, but still on the low side. What I'd like to see in the up days, volume that stands out like a big, fat, juicy sore thumb.

Did not see that. What did they lift today? Most everything. advanced declines were very good. If a stock was down today, it's a real bad day, but most everything. The very weak financials held some important names at important junctures. Goldman today was up 16 bucks, the 541, but is still down. Get this.

$131 from three weeks ago. You want to know why we bounce? Because we're still down 131 on probably one of the most important financial stocks out there. BlackRock was up $28 today to $928. It was 184 six weeks ago. Why did it bounce today? Because we've had a big move down. But no cold water.

Good day. Up next. More in the markets. News of the day. Doge moment. This is the one only Investor's Edge. Hi, I'm Gary Kalbaum, hosted a nationally syndicated radio show Investors Edge.

We're not just handsome radio people. We manage investors' money for a living, specializing in fee-based discretionary money management. No big commissions, just a fee on the assets that's managed. We also provide a full range of personalized services including retirement planning,

fixed income, and educational needs, all to assist you in achieving your financial goals. Understand not all individuals have the same needs, we'll carefully evaluate your personal goals to determine a proper investment strategy. If your current approach to investing is not getting you to where you would like to be, call us to make an appointment for a complementary portfolio review. The number to call is 888-4-2-5-59. That's 8-5-5-9. That's 888-4-5-9. That's 888-4-2-4-2-5-9. Investment Advisory Services

Offered through Colbaum Capital Management Guys, it's no use putting it off The best time for an underwear refresh is now Tommy John underwear is designed for a perfect fit that stays put all day Their zero-chafe thanks to four times more stretch than competing brands And their innovative horizontal quick-draw fly is a game changer With over 30 million pairs sold There are thousands of men out there more comfortable than you

Don't settle for less Go to Tommyjohn.com today for 25% off your first order with Code Comfort. That's Tommyjohn.com code comfort. Tommy John. Comfort perfected. This message is brought to you by the Capital One VentureX card. Venture X offers the premium benefits you expect, like a $300 annual Capital One travel credit for less than you expect. Elevate your earn with unlimited double miles on every purchase,

bringing you one step closer to your next dream destination. Plus, enjoy access to over 1,000, airport lounges worldwide. The Capital One Venture X card. What's in your wallet? Terms apply. Lounge access is subject to change. See Capital1.com for details. This episode is brought to you by Spreaker. The platform responsible for a rapidly spreading condition known as podcast brain. Symptoms include buying microphones you don't need, explaining RSS feeds to confused relatives, and saying things like, sorry, I can't talk right now, I'm editing audio. If this sounds familiar, you're probably already a podcaster.

The good news is Spreaker makes the whole process simple. You record your show, upload it once, and Sprinker distributes it everywhere people listen. Apple Podcasts, Spotify, and about a dozen apps your cousin swears are the next big thing. Even better, Sprinker helps you monetize your show with ads, meaning your podcast might someday pay for, well, more microphones. Start your show today at spreeker.com. Sprinker, because if you're going to talk to yourself for an hour, you might as well publish it. It's time to switch on the integrator units and get the brain cells working. You're listening to.

Hey, this promises to be fun. Investors Edge. The last bastion of quality programming. With Gary Coltbaum. It doesn't get better than this. And welcome once again to Investors Edge. Hey, let's do the news and then a little Doge moment. In case you don't know, I guess the Senate is going to vote on.

to avert the government shutdown. So let me remind you of a few things. They're all lion sacks. Just remember that. Government never shuts down. You need to know that. They're the biggest bull crap artists on earth. Government never shuts down.

They'll actually go out and say, oh, if we shut down, you're not going to get your social security checks. No, the social security checks always go out. they lie but in case you didn't know what happened here and it's quite interesting to watch Chuck Schumer

one of the culprits of the past 30 or 40 years actually he's probably been in DC for 40 some he's been in DC for all our debt just about one of the major culprits he turned tail they were going to block

a bill to keep the government running And he changes mind. One man can change the playing field. And guess what? All the Democrats are pissed off at him now. They're mad. AOC mad.

All mad. How can you do that? You gave the Trump administration license to kill. What's a matter with you? It's great to see tigers eat their young. That's what's going on there. Unfortunately, this continues the massive gargantuan spending and deficit spending of this country by Washington, D.C. And hopefully this administration stems the tide as they move forward, but they were in a very big jam time-wise, and we'll see how it goes.

but I gather, I don't know if they have voted yet, but I gather they're going to vote. They're going to need a few Democrats to come on that side. That's going to be interesting as we head into thine weekend. And now time for a little bit of the doge moment. First off, let me start by saying the ass clowns are out there attacking cars. What a bunch of morons. and you know what

it's the same people that protests this that and the other thing they think they're going to affect change by burning cars yes we're going to burn some Teslas they're insane

these people the good news is they're being arrested they're being charged with some serious felonies they're going to be indicted they are going to have to pose bail, they are going to go to trial.

If found guilty, they are going to do time. And if the administration is smart, they publicize that these people are going to go to jail. Maybe it stops the next ass clown. And the amazing part about all this, they're just trying to cut the crap out of the government. 37 trillion of debt, $2 trillion yearly deficits,

Do you know a bunch of years ago when Obama was president, he called for a doge moment without that word? And of course, they never followed through. That was a scam. Anyway, let these ass clowns protest. I've always wondered these people, do they even have jobs? What do they do with their lives? When they're done protesting and praising Hamas and destroying cars and threatening people, when they go home at night, what do they do? What do they actually do? What are the things they think about? Belview does not have enough straight jackets and rubber rooms. That's all I can tell you, which takes us to the Doge moment. They have found $312 million in COVID loans or grants or whatever you call them to children 11 years and younger.

5,593 loans were $312 million, where the only owner was listed as 11 years old or younger. We wouldn't have known this without somebody investigating. Also, the economic injury disaster loan, $333 million to borrow borrowers showing over 115 years old, who were still marked as alive in the Social Security database. In one case, 157-year-old individual, you don't think the government needs to be audited? By the way, these are all facts. We're not doing a comedy act here. No, no, really.

These are all facts. We're not doing a comedy act here. It's stunning. We'll leave that today as your Doge moment. Speaks volumes. And we move forward. So we segue back on the markets. I scanned about 1,500 stocks today.

I want to be a little repetitive. I hope you don't mind. Stocks that drop 150 points in Rally 30 points is normal in downtrends. Stocks that drop 50 points in Rally 5 is normal in downtrends. That said, as I stated, we may have seen the low I'm going to need some more cards come out of the deck

I am quite unsure I'm already getting emails why it's because we went down so far nothing changed today there were more tariff threats the consumer still has what I would call issues and a lot of these stocks are still

very way down remember we've been saying the airlines have been getting hit. Let me pull out the strongest airline stock today. United was up 5% today to $73.67, up $3.77. Only one problem. Two weeks ago, and we're not making this up, United was $109. Two and a half weeks ago, 109, down to $1,000. It hit 68 yesterday back to 73.

That's not a recipe for success. That's what we mean when we do this with you. Remember we said the hotels? Marriott today was up $5.82 to $243. It was $307 four weeks ago. Two weeks ago it was $285. It closed the 243 today. That's why I cannot.

guarantee you the low. But we're open to all outcomes. Up next, what else we got fee in the markets? News of the day. This is the one only investors edge. Guys, it's no use putting it off. The best time for an underwear refresh is now. Tommy John underwear is designed for a perfect fit that stays put all day. Their zero-chafe thanks to four times more stretch than competing brands and their innovative horizontal quick-draw fly is a game changer. With over 30 million pairs sold, there are thousands of men out there more comfortable than you. Don't settle for less. Go to Tommyjohn.com today for 25% off your first order with Code

Comfort. That's Tommyjohn.com code comfort. Tommy John. Comfort perfected. This message is brought to you by the Capital One Venture X card. Venture X offers the premium benefits you expect, like a $300 annual Capital One travel credit for less than you expect. Elevate your earn with unlimited double miles on every purchase, bringing you one step closer to your next dream destination. Plus, enjoy access to over 1,000 airport lounges worldwide. The Capital One Venture X card. What's in your wallet? Terms apply, lounge access is subject to change. See Capital1.com for details. This episode is brought to you by Spreaker. The platform responsible for a rapidly spreading condition known as podcast brain. Symptoms include buying microphones you don't

need, explaining RSS feeds to confused relatives, and saying things like, sorry, I can't talk right now, I'm editing audio. If this sounds familiar, you're probably already a podcaster. The good news is, Spreaker makes the whole process simple. You record your show, upload it once, and Spreaker distributes it everywhere people listen, Apple Podcasts, Spotify, and about a dozen apps your cousin swears are the next big thing. Even better, Sprinker helps you monetize your show with ads, meaning your podcast might someday pay for, well, More microphones. Start your show today at spreeker.com.

Spreaker, because if you're going to talk to yourself for an hour, you might as well publish it. We're listening to. America is talking. Investors Edge. He's got to be pleased with that. The crowd is just on his feet here. He's a Cinderella boy. With Gary Colbomb.

It comes highly recommended. You're going to feel better if you talk to him. And welcome once again to Investors Edge. Let me do a few more. I hope you don't mind. The all-important J.P. Morgan was up seven bucks today. It's a big move for J.P. Morgan to 232 in change. It was 280. Less than three weeks ago. It closed at 232. J.P. Morgan, catch the drift. It's pretty simplistic. And that's why we can't state yet for the record. The semiconductor index was up 145 today, 3.2% to 4,600 approximately. It was 5366 less than three weeks ago.

Oh, by the way, the high was 5931 back in July when they were telling us you have to own the semis because of AI. And Vidi is being talked up big time right now. That was up five. By the way, I'm going to give NVIDIA a little more juice than most other things. Had a good week. It was up this week. Helping the semis. I'm going to give it its due.

But I'm also going to tell you closed at 120 and change today. It was 143 two weeks ago. 153 at the highs in January. and 141 last June. But definitely a better week this week. But just range mount. How about Tesla? It was up nine bucks today.

In fact, Tesla, at the low on Monday or Tuesday, was 217, closed at $250. $33. What is that? About 13% since the low on Tuesday? I wish I bought it. It closed at 250. It was 360, two and a half weeks ago. It was 440 mid-January.

It was 488 mid-December. This is what we mean by bounces in bearish phases, bare markets, downtrends. And we can pretty much do it with everything. And that's why we need some more cards coming out of the deck before we can get all excited. I would have loved to see better volume today in the market. Was not very good. It was modest at best, but we'll take it.

Let me do a few more, if you don't mind, American Express. And the Dow was up nine today to 265. Eight business days ago, it was 305. And keep in mind, it's finished a 265 today, up 9. It was 256 yesterday. Again, this is what we mean. And we can do any number. Well, Adobe was up 15 today.

It was down 58 yesterday on earnings, right? Meta was up 15 bucks today to 606. What, 741 three weeks ago? I think I pounded that puppy, right? Enough. So we're going to double scan. We're going to look to see is there anything. I will tell you straight out my favorite name is Spotify.

It was my favorite name coming in. It was up $36 today to $5.74. Still down $80 off the highs, but one of the few, what I call glamour names, back above the 50-day moving average today. And that's a rare commodity. I do not own the stock right now. probably should have bought a wee bit breaking back above the 50-day moving average today,

but I'm cowardly when the market sucks. And remember, we were very tactical weeks ago with not being in the, notice the big word, maelstrom of the last few weeks, for that most part. Is there any leadership? Well, the same place as we've been telling you, China? gold, some insurance names, and a smattering.

A smattering means one stock in this group, another stock in this group. I found a couple of utility stocks at new highs earlier, but not much after that. I know I wrote a list down, but I put it somewhere on my desk here. Oh, there you go. A few gold stocks, new highs.

China, some European banks, a couple of Japanese banks. It's about it. Not much else. And when the list is so small, it's very easy to go through. I believe Germany announced 500 billion in stimulus. So the DAX was up another 400 points overnight. I got to tell you, markets love fake money. The German Dax remains Mui Caliente.

Isn't that the word Caliente is hot, right? Or something like that. I took six years of Spanish. I hardly remember a thing, which is bad on me. One day I'm going to, I promise myself one day I'm going to learn Spanish and Italian very well. Since I've been to Italy like 11 times now. We'll see what next week brings. And guess what we get Wednesday?

Mr. Bubble himself. Mr. Inflation himself. We get, what's his face? Jay Powell. Blah, blah, blah, blah, blah, blah, blah, blah, blah, blah. He will stand pat on his interest rates, blah, blah, blah, blah, blah, blah, blah, blah, blah. Do a press conference, blah, blah, blah, blah, blah, blah, blah, blah. I do not know why they're even in.

business. I really don't. So that's today. It'll be a double scan this weekend, but I've already done one already, and I know what I'm going to find. A lot of down 30 up five, down 100, up 20, and no, no way to game walking today into a big gap and knowing it's not going to reverse. The juice was loose today. On light volume. That's the issue. We want to see volume showing they mean it. Not so sure yet.

But right now, we'll take any update, right? I'm still trying to figure out insurance stocks being strong, especially what happened in California. But I guess they're like annuities. They're always getting premiums up to wazoo. And you should see my auto insurance bill. Boy, that baby's been going up. How's your auto insurance bill?

How's your home? Oh, home insurance. Forget it. Home insurance. Mui and Fuego to the upside. I want to come back and own a home insurance company. Nah, I take that back. Anything else next week that matters?

I went through earnings. Not much. I'm always asked about this super micro. They report next week. We'll see. I know Nike and the Dow reports next week, FedEx reports next week, that's been the brutal bear market. Micron reports next week. Semiconductor name.

We'll keep you up to date on those. Bond market is cooperating. We like a bond market doing nothing. We hated when the bond market is all over the place. Give me a 10-year yield that just stays in a nice little range. and the reason you don't stay in a range is because the morons at the Fed. But again, now they're much more relaxed, so things are relaxed. I noticed egg prices coming down, yay.

Media's been complaining about that. They never complained about inflation under Biden, but under Trump, everything is a problem. Just remember that. I told you that was going to happen because the media sucks. Remember, they don't care about you. They care about going after the people they don't like. and kissing the butt of the people they do like. And that's a damn shame.

They should do their job. Without bias, agenda, or ulterior motive. But way past that. Up next. News of the day. And whatever else today. And we're into the weekend. I'm Gary.

This is the one only investor's edge. Guys, it's no use putting it off. The best time for an underwear refresh is now. Tommy John Underwear is designed for, a perfect fit that stays put all day. Their zero-chafe thanks to four times more stretched than competing brands, and their innovative horizontal quick-draw fly is a game-changer. With over 30 million pairs sold, there are thousands of men out there more comfortable than you.

Don't settle for less. Go to Tommyjohn.com today for 25% off your first order with Code Comfort. That's Tommyjohn.com code comfort. Tommy John, comfort perfected. This message is brought to you by the Capital One Venture X card. Venture X offers the premium benefits you expect, like a $300 annual Capital One travel credit for less than you expect. Elevate your earn with unlimited double miles on every purchase, bringing you one step closer to your next dream destination. Plus, enjoy access to over 1,000 airport lounges worldwide.

The Capital One Venture X card. What's in your wallet? Terms apply. Lounge access is subject to change. See Capital One.com for details. This episode is brought to you by Spreaker. The platform responsible for a rapidly spreading condition known as podcast brain. Symptoms include buying microphones you don't need, explaining RSS feeds to confused relatives,

and saying things like, sorry, I can't talk right now, I'm editing audio. If this sounds familiar, you're probably already a podcaster. The good news is Spreaker makes the whole process simple. You record your show, upload it once, and Sprinker distributes it everywhere people listen, Apple Podcasts, Spotify, and about a dozen apps your cousin's swears are the next big thing. Even better, Spreaker helps you monetize your show with ads, meaning your podcast might someday pay for, well, more microphones. Start your show today at spreeker.com. Spreaker, because if you're going to talk to yourself for an hour, you might as well publish it. You're listening to

What are we waiting for? Well, what are you waiting for? One, two, ready, go. Action! In the Gester's Edge, with Gary Kulp. And welcome once again to Investors Edge. Do you know what I did not realize? I didn't realize this. Even with today, the S&P is down 4.1% this year. It was worse then. The midcaps are down 6.2% this year.

The Russell 2000 is down 8.3% this year. This includes today. And the NASDAQ is down 8.2%. 0.1% this year. I didn't even realize that. But I did see something today that I did not realize either. Do you know the NASDAQ from the high of the last, the market top, the NASDAQ, in November of 21, and then went into the bare market. from that high the NASDAQ is only up 9% from November of 21. I'd even realize that. Now, of course, we had the bear market, and the market's much better since the low of the bear,

but from the high of November 21, 16-2 to 17-7, let's call that about 9%. in three years in four months maybe that's good news we'll see and of course as you go to the weeklies

the transports are still 1830s wow down 20% from the highs in November 21 and are trading where they did in June of 21 wow

Look at that. Gold got above 3,000 today, but I believe finished below 3,000. Gold miners were a few up, few down today. China, good. Oil's finally at a decent day. They've been weak. You know how we've been telling you those consumer areas have been obliterated. They bounce today.

after all, they've been smoked with many at new yearly lows by miles. A lot of them have crashed. Ulta Salon, though, in the news was up $43 today to $357 on their worst sales number in years. Why would it go up? because Ulta Salon hit a high in March of 24 at 574

and was 300 today so maybe all the bad news is in I don't know just remember if Ulta Salon doesn't grow their business that stock ain't gone anywhere I was asked today on TV why Apple stock is so

weak because they can't grow their business like they used to when you do 172 270, 400 billion in revenues, it's not easy to grow sales anymore. Plus, you got the high valuation. So Apple's stock is where it was last June and is now $47 off the highs of December,

which is about 18%. Oh, and by the way, two weeks ago was $250, $37 off of that. So Apple's taken in the you know what's as of recent. Greatest company, probably one of the greatest companies ever. But once you get to the point where it's tough to grow, your stock pays the penalty. That's how it is. As we have said to you, the fundamental reason why a stock has big moves to the upside is because the stronger the growth, the better, and the longer the growth, the better. Nvidia had that monster move because they were growing 200%, 300%, as their chips went insane to the upside.

Well, now they were only growing 70%, which is still strong, but it's a deceleration, and that deceleration will continue. And guess what? Envidia's stock has done. It is now where it was last June and still believe. the highs of last June, the high of the month, and a good 153 to 121 is 32. It's still in the bare market, the 20% mark. In the news, well, Columbia University is now expelling people. Oh, my goodness gracious.

It took $400 million being taken away from these money grubbing slug, anti-Semite, college people to start protecting students. It's amazing. They actually know that they look like idiots, but they want their money back. They're now expelling students that threaten Jewish students' lives and block them and cornered them and threaten them. Now they're expelling students, only now.

And now other scumbag colleges. And when I say scumbag, the people running those colleges, now they're reacting. Because dollar signs, aren't they nice? Aren't they sweet? Dollar signs make them do the job that they were supposed to do in the first place and make it a safe space for all students to come and go and to study and take tests and enjoy their college life. That was in the news today. Boy, if I ever met

some of these people running these colleges, man, oh man, I don't know what I would do. in the news and I don't understand news how is one judge allowed to order of thousands of federal workers reinstated against the wishes of the administration

how can one judge do that so in other words an administration can hire thousands but can't get rid of people the world is going insane ladies and gentlemen on that note you have a great weekend drive carefully when you get home do like we do it's quite simple make sure you hug your family make sure you hug your children they will feel better you will

feel better i promise stay well be well serenity now until monday good night this has been investors edge with gary cult bomb on biz talk to listen to past episodes or to get in contact with gary go to gary k dot com that's gary k dot com Guys, it's no use putting it off. The best time for an underwear refresh is now. Tommy John underwear is designed for a perfect fit that stays put all day. Their zero-chafe thanks to four times more stretch than competing brands. And their innovative horizontal quick-draw fly is a game changer.

With over 30 million pairs sold, there are thousands of men out there more comfortable than you. Don't settle for less. Go to Tommyjohn.com today for 25% off your first order with Code Comfort. That's Tommyjohn.com, code comfort. Tommy John. Comfort perfected. This message is brought to you by the Capital One Venture X card. Venture X offers the premium benefits you expect, like a $300 annual Capital One travel credit for less than you expect. Elevate your earn with unlimited double miles on every purchase, bringing you one step closer to your next dream destination.

Plus, enjoy access to over 1,000 airport lounges worldwide. The Capital One Venture X card. What's in your wallet? Terms apply, lounge access is subject to change. See Capital One.com for details.