Investor's Edge with Gary Kaltbaum - Harvard blinks the wrong way! [12.12.2023]

Episode Date: December 12, 2023

https://garykaltbaum.com/

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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 Colbom, your host. A thanks of being with us today.

Glad you here, ladies and gentlemen, happy that you are listening. It is Tuesday, December 12, 2003. Hope you having a good day. As always, we have mucho to cover. And as you know, we have not pulled any punches here. We think everything's intertwined. Everything is intertwined. And we cover it all.

Whether it's the markets, the economy, jobs, unemployment, taxes, deficit spending, scams, shams, corruption. Russia, Ukraine, Israel, you name it. And it's a must. because the decision has been making by the people running the show and everything else under the sun. And as you know,

if you do not get this show in your city, we'll post it at garyk.com. We'll also post it on our Twitter feed, which is now X. And if you want to follow us on X, go to X, put our name in, follow, or press the button at garyk.com, and if you'd like to email us,

please, by all means, just be nice. We received about 100 emails from all of you, I asked, should I call the police in Jacksonville on this fraud thing with my credit card? 100 out of 100 said I should. No, really, 100 out of 100. So more than likely I am going to because I trust you guys.

All right, I'm going to be a little short shrift in Israel thing today. First off, they are capturing a ton of the terrorists. The terrorists are wimps. They're cowards, as I have told you. and as Israel is at the IDF has gone through Gaza they are putting their arms down and Israel's doing the right thing stripping them down to their underwear to make sure they're not wearing suicide belts and they're going to be in jail or wherever for the rest of their lives simple as that and let's hope they eradicate all of them build Gaza and the Palestinian people don't have to deal with Hamas anymore and they can self-go govern instead of having terrorists govern and destroy the place. The other thing is Harvard said we're keeping the president tough crap. My only thought is this.

What's Harvard's message? To all you Jewish students that are here, go screw yourself. Any Jewish student that wants to come here, go screw yourself. We'll take your money. But go screw yourself. And that's all. That's what I think the message is. I pull no punches.

I give no quarter. This is just one woman that's, and you can't tell me different. You know how I've said to you for years? I can see racism coming miles away. I can see anti-Semitism coming miles away. I can see people that hate blacks and Asians. miles away. They all have the same characteristics. She fits the mold about as good as good can be.

So Harvard, I'm being told already lost a billion dollars in donations. Let's hope they lose $20 billion until they do the right thing. But also, you just can't get rid of somebody running the joint. You really need to change the culture. You need to change the whole thing. You got to give a crap. You got to give a crap. And they don't. We're finding out. things at Harvard that they have kicked out professors. They kicked out a professor. They fired them for saying something to the effect of boys and girls or men and women. Oh, you didn't use the pro-na. You know what I'm talking about. It's just sheer insanity. And the only hope I have, and I wish no bad on anybody,

that Harvard pays enough penalty that they change. That's my hope. That they pay enough of a penalty, and you know it's the money thing. They pay enough of a penalty that they say, crap, we got to change. Force the change in any way, shape, or form.

That's my hope. We'll see how it goes. We segue. Very quickly, today we segue. Oh, I'm sorry. One more thing. One more thing.

As you know, we have complimented President Biden on his initial handling of the Israel situation. He's out today blasting Israel. And what I mean blasting, I mean blasting saying they're going to lose this, that, and this that, if they keep doing this and that. And I'm thinking to myself, a man who is. kept the border open, God only knows who is here right now, and unaccounted for. You know what I mean by that? Israel just trying to defend themselves from a 9-11, 20 times over, and this misfit is telling Israel what they have to do. That's some funny crap.

That's some funny crap. This misfit, do you see what's going on at the border? Let's talk about defending your country. Let's talk about defending your country. And remember, the number one job of somebody who runs a country or a city or a state is defending the citizenry. And part of that is controlling your border. He doesn't even give a crap. And he's telling Israel what to do today.

Okay, now we segue. Tomorrow we have the Fed. As you know, for me, it does not really matter. They don't really matter. No, not kidding. They don't really matter. The 10-year yield is down at 4.2%. The Fed is at 5.5. They don't really matter. Now, they can affect the markets for a day or two, and they have. I don't think they can affect markets like they used to. Just remember what they used to be able to do is print to $9 trillion and really affected markets. When Ben Bernanke started to print money in 08, who is a David Tepper? A hedge fund guy said, just buy the you-know-what out of the market now because the market loves this printing of money.

He was 100% right. And in October of 19, when the economy, before COVID, economy was strong already. Everything was fine. But Jay Powell was scared of the market the whole year. he kind of sort of announced his money printing. I came on the show that day and you know what I said to you? Buy the hell out of the market. And from October until COVID, the market ramped.

So that's how they affect the markets. But absent that, I don't think they do too much. Now, if tomorrow they said something to the effect of, oh, we can really lower rates in a big way. Now, I think that can affect the markets for a day or two, but I don't think in any big way, because the free market is talked already. We're already down at 4.2%. That is the free market.

And you know what I believe in, ladies and gentlemen, the free markets. I don't believe we should have a Federal Reserve. I don't think we should have a central bank. They really do not do anything for anybody. They're that bad. They really don't do anything for anybody. they're that bad if somebody can come up with one thing they do for anybody please tell me oh that's right they took rates to zero and everybody got three percent mortgage when they shouldn't have

but the trade-off was everybody got zero percent on their riskless income investments and now the distortion of well you know what the distortion is who the hell wants to sell a 3% mortgage to get an 8% mortgage, which now is down to about 7.5, 7 a quarter. And that's kept inventory from staying down, but guess what that's done? Oh, that's going to force a big matzo ball going forward. Oh, just wait. It also forced fantasy prices. We had fantasy prices in a very big way.

Fantasy prices. And you know what I'm seeing across? many areas now, prices coming down markedly. And anybody who's bought like an expensive house in the last, I don't know how long, they're going to lose a bunch of equity pretty quickly. That's my take. That's the distortion of power. So I have no idea.

The chalk is they're not going to do anything tomorrow. They're going to stay where they are. but I have to believe they may do something to the effect of interest rates are down. Maybe they see that, maybe they recognize it, I don't know. Maybe that'll be a good thing. I'm not sure. Not 100% sure. But that'll be tomorrow at 2 p.m.

We'll cover it after. I'm Gary. This is the one only investor's edge. 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.

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That's 8-8-5-59. That's 888-4-22-55-59. Investment advisory services offered through call-bomb 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.

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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 one, 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, 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. 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 called Bomb. It doesn't get better than this.

And welcome once again to Investors Edge. So that'll be them tomorrow. And as I have said to you, I just believe in free markets. I think they have effed everything up. They created the inflation. They get no blame for it because they're not elected. You know, the politicians,

and the media have no, oh, if I blame the head of the central bank, I don't get any headlines for that. But if I blame the politicians, oh, people will notice me and all that funky stuff. But we told you as they were printing that it will cause inflation. When it caused inflation, we told you they caused it. Nobody even listened to us. after the fact people were saying yeah they were a big cause of it after the fact but still it's not talked about and i can't stand the fact that we keep hearing is the fed engineering a soft landing what just so you know there's a hundred and sixty million of us that wake up and go to work every day

but the Fed engineers are soft landing it's the Fed not us that work our tail off every day it's them what kind of horse's ass stuff is that I mean it's just gotten to the point where what government does

it's them they're the end all be all no they're the worst and in case you don't know we have a two trillion dollar deficit this year brought to you by Joe Biden. And if you have a chance, get $2 trillion divided by 365, that's days in the year, and you will see how sickening on a daily basis, how much we're added to our debt. It's a crime. It's a financial crime. That's the best way I can put it, a financial crime of epic proportions,

that of course is going to come back and haunt us. One thousand percent, big time. But I digress. The market. The market wrap. Brought to buy, Investment-Dashmodels.com. That's Jim Rohrabach, one of the great market timers. No gray areas with the man you're either in or out of the market with his proprietary indicators.

Go check it out. Investment-dash-models.com. Dow, up 173, S&P 21, NASDAQ 100, NASDAQ 100, 132. What else can I tell you? Transport didn't do much. The advanced declines weren't that good today. It was a good day. Facebook up 9, NVIDI up 10.

Both holding the 50-day moving average. Apple, after a couple of days of it, up a buck 50, and you know that's $15.6 billion every dollar it moves. Broadcom and other $43 today doing what it did in May. We'll see if it lasts. Just good day for what we call the big caps today as we head into the Fed tomorrow. If I have one thing to complain about,

it's the fact that there's no bears left from the indicators we have, but that doesn't mean the market turns down or pulls back or does anything wrong and finish well today now. From July to October, we had said to you, we want you to avoid these areas. And it was 80% of the market were in downtrends, which is no longer. But we want to repeat what to avoid. And the first and foremost, what we've been telling you for a while now is avoid the oils, and they had another rough day today as oil prices dropped another $2.60 today.

Unbelievable. So the oils, we made a call on that, a specific call, while the market bottomed, oils topped, and part of the market going up is oils coming down, and they had another very rough day to day, and they remain an avoid. They remain in a downtrend, and a bunch of them went into another relative low today. Hope you're listening there. Next, this is of import because last Friday, gold broke the Friday before, by the way, broke into the yearly high. A really good-looking move.

and I came on the show and said, hey, the metal, great-looking move, needs the stick. That's what we always tell you. The big issue is the gold miners are way underperforming the metal. And typically in the past, in the past, you want to see the stocks do better than the metal. That's what really gets bull markets,

going. Didn't happen this time. So we're just letting you know gold failed the move. And the gold miners now we listed, I think about seven names for you all low priced. And we told you we're not buying any. They're very low priced. They've all failed. Anything that broke out of range failed. And those were the strong names. The weak names are getting mashed. Uh, example, the Newmont mining, which never came out of the bare market. So, gold bugs,

can't exactly help you. And I must state for the record, the metal looked great two Fridays ago. I was contemplating that whole day, should I just take a little small position in it just to have? And then I said,

nah, for whatever reason. And then other avoids, well, this one's been going on for a while, the solars. I mean, that's over a year long. A brutal bare market. I believe it was almost a year. December of 22 when N-phase topped out. That was the strong name. And a bunch of others already had topped.

and that's when we got wary of it and they have been destroyed. And if you want to know about, again, you've got to think long term. Just think long time. Just think long time. N phase, which was a real strong stock, went from 340. It's 99. Solar Edge, 346 to 76. There was one name that was holding up best,

and that was first solar, 232 to 139. Yeah, just hold long term. So the solars remain a big avoid. Hasn't changed. Haven't even had to broach the subject of a changing. Unlike early November when we said, the bottom of the market has lifted up. and things have got progressively better.

Now there's still weakness in commodity names, not all. Man, some of the Hershey's. We'll get into that up next. Hershey's on 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 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.

VentureX 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 Spreker. 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, 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. Sprinker, because if you're going to talk to yourself for an hour, you might as well publish it. You'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. When you have a chance. go look at a chart of Hershey

Hs HSI If you want to see what a definable bare market looks like That's it Sometimes you get Classic patterns

That's it And we want you to remember that Because if your stock Starts that pattern Breaks the 50 day Can't get above it Then breaks the next support, and then the slow drift as the 50-day moving average keeps going lower and lower and lower and lower.

Go take a look. And I don't know what the hell's going on with Hershey's. I do know the price of Coco went up. That doesn't help. But I really don't know what the hell is going on there. That it go from 277 to 184. By the way, earnings look pretty damn good too. What's our point?

When we come on this show and mention to you and avoid or avoid this area, you may want to listen. And we say that, and we're careful with our words, the best way I can explain, we know what bare markets look like, act like, play out like. and we always tell our peeps and we have to be very careful of our verbiage. I cannot, in my industry, guarantee a thing and we'll never guarantee. The only thing I can get about as close to guarantee is by saying you get a one-year treasury bill today and get 5.1% with no risk, meaning the government's not defaulting our government on a one-year treasury. Now, if was a treasury from Cuba, maybe that would be an issue. But what I can say is we've got the best eye in the business, in my opinion, on what bare markets look like and what to avoid.

And should give you confidence because we did it right before July. We did it in 21 at the tops when we would come on this show and say, this is topping, that is topping, this is topping, that is topping. And as you know, one of the themes we have is, if you got a group, a sector with 100 stocks in it, and 80 of them top out, that sector's topping out. If 50 of them top out, oh, usually the other 50 are going to show up too. And in 21, just stock after, stock after stock after stock in the growth arena. topped out. And we would tell you on this show,

oh, we're the hell out of the way. So we're letting you know we are in an up trend now for the indices. And while a ton of those areas, the 80% are not near the highs of July, some are. And some names are. If it's a new yearly high in the market right now, that means it beat July's high. If that changes, we'll let you know. And I can tell you right now, every night. Right now, every night on top of trying to figure out the leading stocks in the leading groups

and then closing our eyes, hold our nose and praying. Okay, that doesn't work. I try. Every night as we do our scans, we're just looking to see if anything that is rallied up, a certain extent has topped down. And then we're able to come on this show and say, hey, by the way, this area is done. If you notice, we really haven't been able to do that. There are some areas we don't like.

I can tell you, most of the auto dealers, terrible looking, auto nation, for that matter, a CarMax That's an area That's never really got going Lithium Motors I can tell you that Ford Has rallied up a little bit

But I ain't doing me no favors GM a little better Because they made some announcement But it's rallying up some So there's still plenty But really As far as the market goes We're going to have to come out

And say to you this is top that's top this is top and by the way tops do not happen in a day it's usually a process of hitting an area of resistance and then pulling back and trying to get through the resistance and not able and pulling back and trying to get through those resistance

pulling back and maybe on the fifth time pulling back it breaks that pull back to the downside and I haven't been able to say that now still plenty of individual names that still stink. Deer! It's near yearly lows. And by the way, if you have the stock at New Yearly Lows right now,

you better review it. And by the way, and the NASDAQ, quite amazing, there's 162 new yearly lows still. That's kind of weird. I'm looking at it now. Vodafone, Novavac. A lot of these things I've never heard of.

Nothing meaty. That's the good news. Lots of crappy crap. We don't want to ever get to the point where a lot of meaty stuff is hitting New Yearly lows. Then again, we'll know it beforehand. So we just want you to keep that in mind. No worries at this juncture. We'll keep our eyes on the prize. Keep trying to find leadership and figure out life in general.

And next we got to deal with Mr. Bubble Tamar. And I can tell you flat out, I wish we didn't have to. It's very depressing. It's come to the point where one man has so much and knows nothing. It really is. It doesn't have a clue what's going on. And just remember, they used to predict. they don't predict anymore because they were wrong 100 out of 100 times.

They're new things. They changed the verbiage. Data dependent. Oh, we'll let you know when the data comes in. How is that a help? How is it I'm able to see things that are going on out there? And I have nobody going out there for me. And they have like a thousand analysts that go out and do their channel checks.

So that's tomorrow, too. I think I'm not sure if I'm doing the show tomorrow. If I do, I have to do it early before the market closes. So the market's going to be going, you know what, what, as he speaks. And unfortunately, that's what it does. But the good news is all it really does now, it'll go up 150 down, 150 on the Dow as he speaks. And hopefully, the less he says. hopefully

the less he says hopefully earnings Oracle market didn't care Oracle a very important software stock down 14 and change today

on 56 million shares average daily volume 7 down 12 and a half percent this is the second quarter in a row Oracle gapped to the downside on earnings and did not recover. And I have to say the words did not recover right now

because there have been some gapers to the downside that quickly... Lulu Lemon just gaped down and then finished up 20 bucks. Not Oracle. I've yet to go through their news. I'll do that tonight. I'm looking at the numbers. A little deceleration, nothing bad,

nothing untoward, but it's obvious something they said and not very good. And as you know, typically, not 100% at a time. We do not like companies that gap down on earnings, on an outlook that the market does not like. Up next, news of the day, and whatever else, 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. There's zero shape 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. This episode is brought to you by Spreker. 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, Spreaker helps you monetize your show with ads, meaning your podcast might someday pay for, well, more Microsoft. 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! Investors Edge with Gary Kulp. And what once again to Investor's Edge. In the news. Well, I just have to, we're heading into a presidential election. We have the bubonic plague. We'll be up against the Ebola virus for the presidential election come next November. Just letting you know, if the election was held today, I think Trump would kick Biden's arse. I mean big time.

Let me tell you why. Blacks, Hispanics, numbers are way down on Biden. The young, down. Muslims pissed off. How dare you back Israel? And let me give you some numbers here. And as you know, I'm not the biggest believer in polls. But when they're wide, Biden in Georgia,

Georgia, which is kind of like balls in the air state, registered voters prefer Trump five points now and let me just say going his way in Michigan which Biden won pretty well Trump's got him by 10 points

now remember we got 11 months to go but just letting you know the numbers are huge Trump wise and I have to use the words in spite of, man, I mean, the thing, you know, I listen to the things being, I mean, I, I, I'm sorry.

If my goddaughter's opened up a lemonade stand, I'm not letting Trump run it. And I know you people that love them. God bless you. We don't see politicians with love or hate. We look at the exacts and we don't care whether it's an R or D. But Trump would win the presidency, I think going away. right now. George Santos is in the news. Well, they expelled them from Congress.

And this is what sickens me. This guy's a crook. He's a fraud. He's been indicted. You want to know what sickens me? Reality shows and dancing with the stars are trying to get them on their shows. A fraud and a crook and let's bring him on our show.

That pisses me off. This guy should be goodbye. And then, get this, he started a cameo. You know what a cameo is, right? You go on there and you get a celebrity or an athlete or whoever to send you a video or send a friend of video, a happy birthday or whatever. my son sent me a video for my birthday from McFoly the wrestler and Kevin from the office was sent to my son George Santos is on cameo and I don't know if he was full of crap or not

but you know what he said he's made more money in the last week than he made in Congress in the last year people are paying this crooked fraud for videos It's so demoralizing. That's all I got to say. Why would any show want to bring a... Oh, that's right, ratings. George Santos.

Fraud. Speaking of frauds. Do you know I got sent today? That Elizabeth Warren may be worth 50 million bucks. That crooked fraud. How do you make 50 million bucks? as a politician. Now, I do know if that number's wrong.

I'm pretty sure she's worth 15. Where are these people making their money on 200,000 a year's salary? Man, oh man, there's so much corruption in D.C. now, I don't even know where to begin. Notice, we hit both sides. We don't care about sides. You think there's a Republican and Democrat Party these days? Yeah, in certain subjects, but overall, when it comes to you and your money.

The Republicans are complaining about Biden giving all this money for student loans. And I agree. But Republicans didn't say anything when Donald Trump did these stupid tariffs with China, which cost our farmers a ton of money, and then paid off the farmers with our tax dollars. And then lied to say,

oh, China pays to the tariffs, which is just a big, gigantic lie. You catch my drift Anyhow One more bit of news How about my giants Left for Dead They're one game behind the wild card

And I got news for you There were a couple of games They should have won Especially against the Jets And their quarterback is named Tommy DeVito And they were doing everything they can last night To lose the game to Green Bay But great driver

the end, well done. And for the Miami Dolphins losing to Tennessee, that's going to be a good loss for them. That was last night, by the way. That'll end up being a good loss for them. A wake-up call, as they say. But I'm happy for my Giants. As you know, I'm an insane Giants fan. I hate that I see the Cowboys and Eagles winning every week.

and I think that's probably the news of the day. I don't know if I want to whine and complain anymore about Harvard and the anti-Semitism. I saw the gaze shut down the Manhattan Bridge last night to protest for Hamas and Palestinians. And I'm just thinking to myself, if they were in Gaza, they'd be murdered within three seconds, and that's who they're defending. some things we just don't understand, ladies and gentlemen. That all said, you have a great evening. Drive carefully when you get home to like we do. Quite simple.

Make sure you hug your family. Make sure you hug your children. They will feel better. You will feel better. I promise. Peace out. Thanks for joining us. Good night.

This has been Investors Edge with Gary Cult Bomb on BizTalk. To listen to past episodes or to get in contact with Gary, go to GaryK.com. That's GaryK.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 CodeCumpert. That's Tommyjohn.com. 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 is subject to change. See Capital One.com for details.