Investor's Edge with Gary Kaltbaum - MORE CRAZY WHIPSAW

Episode Date: March 23, 2023

Follow Gary on GaryK.com or http://garykaltbaum.com

At CVS, it matters that we're not just in your community, but that we're part of it. It matters that we're here for you when you need us, day or night, and we want everyone to feel welcomed and rewarded. It matters that CVS is here to fill your prescriptions and here to fill your craving for a tasty and, yeah, healthy snack. At CBS, we're proud to serve your community because we believe where you get your medicine matters. So visit us at CVS.com or just come by your food. store. We can't wait to meet you. Store hours vary by location. Investor's Edge with Gary Coltbaum. Straight talk about you and your money. Now from the BizTalk Studios, here is Gary Coltbaum. And welcome once again to Investors Edge. I'm Gary Coltbaum,

your host. A thanks for being with us today. Glear you here, ladies and gentlemen, happy that you are listening. It is March 23rd. Yeah. And in case you don't know, throughout my life, 23 has been my favorite number. I used to leave in Brooklyn 21, 23, East 12th Street. I lived in North Miami Beach, 2323, northeast, 203 terrest. I can go on and on of the 23s. So anyway, whatever. Ladies and gentlemen, this is a show.

The most important radio show on Earth. It's not the shows that have millions listening to talk about whether you should smoke pot or not. The ones with the bias both back and forth that will lie to you just to defend their crowd. This is the most important show on earth because we are the defenders of your capital. We are defenders of logic.

We take this seriously. And when you add in a keen eye for the markets without any bias, without any agenda, without ulterior motives, that keen eye seeing the recent bare market, the bubbles, the crashes, the smashes, the inflation, the skyrocketing rates, the banks. Do you know three Mondays ago We were on this show saying There's something wrong with the regional banks We don't like how they're acting Be careful Three days later

Silicon Valley Bank We got the clues from the market So we're dead serious About what we're doing here With a little comedy injected when need be But right now not a lot of comedy And today another day where a few things really stick out for me

that you must know because we keep our ear to the ground we're not hearing any of the things you need to know about remember we called the bubbles before anybody we called inflation before anybody we called bare markets before anybody and now something else something else we have to mention but first If you don't get this radio show in your city, we'll post it at garyk.com.

We're also on all the podcast apps. We'll also post it on our Twitter feed. If you don't follow us on Twitter, you should. We're quite sarcastic and charming. Just put our name in or go to garykade.com and press the button for Twitter. You can email us. Just be nice. I'm down to one weirdo, but he doesn't email.

He leaves messages on our business office voice. machine. Gary, you know, it's getting tough to listen to you. You don't understand what's going on. You're the Antichrist. I got one of these guys. I think he's out of Portland. What are you guys smoking in Portland? By the way, I feel so bad for all you in Portland, especially that lived near downtown. What are they doing to your city? And are you ever going to do anything about it. But I digress. So yesterday, we had a vicious sell-off after a strong open. Vicious. In fact, yesterday, the NASDAQ where we've been telling you has the best relative strength in the market. The NASDAQ, the best relative strength, hit 12,014 and closed 1166666. Hey, 666, I'm just reporting you the news. That's 348 points.

It was up 150 about finished down 190. And then we come into today. And the market forgets about yesterday. And they gap up all that same NASDAQ stuff. Big time. And today the NASDAQ hit 11962. It was up 290. Unbelievable move. And then by 3 p.m.

It's up 14 points. The Dow today. And I'm not making this up. After yesterday's viciousness hit 32-5-1-1. It was up 481 points. And when the NASDAQ went down, to only up 14 points the Dow was actually down about 170 points and then something happened that I must and I'm going to call it warn you about our Treasury Secretary Janet Yellen another

no-nothing completely changed her stance yesterday just so you know the in the workings of DC, she got the blame yesterday for the market getting hit because yesterday she said, we got nothing more to say on the deposits at banks. Right as we entered the final hour today by no accident, she completely changes that stance on purpose, says now the U.S. is prepared for this additional deposit actions if necessary, which has me asking the question, are we to the point it is going to be a must for a government that is broke,

has to print money, has Social Security running out in time, Medicare, Medicaid, running out of money in time. Going to backstop deposits with no capital, to save the markets I'll get to the final number in the markets in a minute as soon as that came out

the Dow rallied back up 300 the NASDAQ which was up 14 rallied back up 100 we'll give you the final numbers in a second they were all over the map in the last hour but are we to the point where they have no choice

because the markets are going to be crushed if they do nothing are we to the point that as things are so bad, they're lying out their asses so much that they have, they have to say, we're backing every deposit. Even though by the rusty abacus at the Colt Bomb compound, there's 17 to 18 trillion deposits in banks,

and they only have $180 billion at the FDIC, the Federal Deposit Insurance Corporation, where they're going to get the money from? Oh, they're going to print it. Oh, but Gary, there are 18 trillion deposits. Nothing's going to happen with that. You're right. But do you think a debt-laden fragile market slash economy can take?

Even a few more banks going by-bye? Very good questions, ladies and gentlemen. And it does not instill confidence. And you'll just have to trust me because I've nailed this from day one. On purpose, Janet Yellen came out as the last hour. the day as we headed into it while markets were reversing viciously to completely change her stance by no accident. Oopsie.

It's a good question. And it's not hard to give the answer. Just remember any bank is a bank because they have your money. And once people decide to remove that money, you end up like Silicon Valley Bank. That's how it works. you must know that a bank is just your money they're just bookies

up next we have lots to cover today hope you're listening I'm Gary this is the one only Investors Edge Hi I'm Gary Kalpom 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. Understanding 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 888-4-22-55-9. That's 888-4-22-5-5-9. That's 888-4-2-2-5-9. Investment Advisory Services offered through call-bomb capital management.

Hi, I'm Dr. Jake Goodman, host of Beyond the Script, the podcast where I sit down with pharmacists to answer the health questions you didn't even know you could ask at the pharmacy counter. In this episode, we are diving into gut health with CVS pharmacist Victoria Motola, who explains why so many of us live with stomach issues we should not accept as normal. A lot of what I see is just like chronic bloating, chronic stomach aches. Like I get a stomach ache every time that I eat and it just becomes like a lifestyle where, oh yeah, you know, I just have a stomachache every day. Or I'm constantly feeling like gassy. and all of those things are not something that generally, if you have a healthy gut, you should be living with.

So that's when we deep dive. We deep dive into your medication. We deep dive into your OTC medication. And then at that point, we can probably identify something that we can change. Hear the full conversation, plus some fascinating facts about how gut health affects so much more than just your stomach on Beyond the Script, a podcast from CVS Pharmacy and IHeart Radio. Listen now wherever you get your podcasts. When energy dips, your reviving routine deserves more than a quick fix. Reach for vital proteins, collagen, and protein shaking chocolate.

With 30 grams of protein and 10 grams of collagen peptides, it helps support healthy hair, skin, nails, and joints, and a smooth, ready-to-drink, shake. So your afternoon reset actually sets you up for success. Vital Proteins. Stay vital. Visit VitalProtene.com and get started. These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease. 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.

I'm Gary Colbom, your host. Thanks for being with us today. Hope you're having a good day. So, the market wrap is brought to you by, Investment-Dashmottles.com. That's Jim Rohrabat, one of the great market timers. No gray areas of the man you're either in or out of the market was proprietary indicators. Go check it out. Investment dash models.com.

The Dow finished up 75 after being up 490. That's not good news. On top of that, on my screens, the banks mostly red. They were worse at the lows, but mostly red. J.P. Morgan, up three and change on the open, finishes down. regional banks the kare down another 3% that's not good transports down after being open up

opening up big retail down after opening up nicely oils down managed care down auto parts retail auto dealers farm machinery drug stores waste management hotels airlines airlines insurance restaurants economically sensitive ended up down even though we started up 490 on the Dow.

The S&P finished up 11. The NASDAQ finished up 117 though was up 290. What have we been telling you where the leadership is? Big Tech, big NASDAQ 100 and the semis. The socks up 82. The NASDAQ 100. up 162. A narrow, expanding a little bit but narrow, big name.

I have one statement on this area. As today, another good day, even though NASDAQ was up 290 and at 3 p.m. was only up 14. They better keep them going because I got Newsfea. I'm going to guess 75% of the market. looks like crap. Maybe the Chinese stocks are now starting to emerge a little better, a little better action there. I will say some housing stocks are pretty decent. KB. Holmes great reaction to earnings. So you got that going for you. Advanced declines 1524 in New York, even though we're up 490 early. NASDAQ, even with the NASDAQ up 117 and the NASDAQ 100 up 162,

advanced declines on the NASDAQ were negative. And are you ready for this? 51 new highs on the NASDAQ, 291 new lows, and I can guarantee if I looked at the 51, there's probably about six. On the New York, 230 new lows, very little new highs. And the strength. Nvidia, another decent day. Adobe, Broadcom, ASML, ASML Holdings, and the semis.

Lamb Research in the semis. Facebook. Again. Same names. But I got newsfea on them. Do they have the earnings power? All of them have earnings way down year over year. We'll see.

Another name that may be emerging, Netflix. Double average volume today was up 26 bucks. I did not see any news, but may have turned the corner. Not sure. I'll take that back. Looks like it turned the corner. That's a big name. Otherwise, they distributed stock again today until Yellen, by no accident, change her stance on deposits.

But they don't have the money to guarantee. They keep saying they have tools. You know how they keep saying they have no tools? They have nothing. They had printed money, which is not a tool. It's utter stupidity. And you know all the crap it's caused? We have highlighted it for you for years now.

But we're going to continue to add another component to the worry. Ladies and gentlemen, we have been doing our own little investigation. Yes, I have the Joe Maddox of the market. I love Joe Maddox and Peggy, his secretary, who was Gail Fisher in real life. Mike Connors played Joe Maddox Commercial real estate Especially the office Commercial real estate

Have you seen their stocks SL Green Realty I'm just going to go back a year It was 84 bucks it's now $19.96 Centes Vernado Realty Just going back a year 47 down to $12.96

sense. Crumbling. Just picking out two. If you go look at something called the IYR, this is an exchange traded fund for the U.S. Real Estate Index, you can go look at what the components are. Almost new yearly lows and getting crushed. My little investigation, there is a lot of debt that has to be rolled over. And there is a lot of debt. And there is a lot of debt. at very low interest rates. And interest rates are that much higher now. And especially in the offices, I can tell you in New York City,

I'm still being told a lot of office space. Nobody's going back. The amount of people that have, businesses that have gone back to fully staff, the number is atrocious compared to where it used to be. Start watching commercial real estate. I just gave you two names, but there are more. Simon Property Group.

Shopping centers. I didn't think anything's wrong. Stock just went from 133 to 102 in the last six weeks. You catch in my drift. Remember, the market's pretty smart. We hope we're wrong. And it's just a brutal bear market and will come out of it. But ladies and gentlemen,

the people running the joint do not have a foggiest idea what's going on. They say they're in control. There's one of two things. Either they're not or they're lying sacks. Either one is not good. Up next, more of this, that, and the other thing. This is the one only investors edge. Hi, I'm Dr. Jay Goodman, host of Beyond the Script,

the podcast where I sit down with pharmacists to answer the health questions you didn't even know you could ask at the pharmacy counter. In this episode, we are diving into gut health with CVS pharmacist Victoria Motola, who explains why so many of us live with stomach issues we should not accept as normal. A lot of what I see is just like chronic bloating, chronic stomach aches. Like I get a stomach ache every time that I eat. And it just becomes like a lifestyle where, oh, yeah, you know, I just, I have a stomach kick every day. Or I'm constantly feeling like gassy. And all of those things are not something that generally, if you have a healthy gut, you should be living with.

So that's when we deep dive. We deep dive into your medication. We deep dive into your OTC medication. And then at that point, we can probably identify something that we can change. Hear the full conversation, plus some fascinating facts about how gut health affects so much more than just your stomach on Beyond the Script, a podcast from CVS Pharmacy and IHeartRadio. Listen now wherever you get your podcasts. When energy dips, your reviving routine deserves more than a quick fix.

Reach for vital proteins, collagen, and protein shaking chocolate. With 30 grams of protein and 10 grams of collagen peptides, it helps support healthy hair, skin, nails, and joints, and a smooth, ready-to-drink shake. So your afternoon reset actually sets you up for success. Vital Proteins. Stay vital. Visit VitalProtene's.com and get started. These statements have not been evaluated by the food and drugs.

administration, these products are not intended to diagnose, treat, cure, or prevent any disease. Success starts with your drive, and American Public University is here to fuel it. With affordable tuition and over 200 flexible online programs, APU helps you gain the skills and confidence to move forward. Whether you're changing careers, starting fresh, or pursuing a lifelong passion, our programs are designed for people who never stop. You bring the fire, APU will fuel the journey. Learn more at APU. APUS.edu. I'm 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 look once again to Investors Edge. So they have the TikTok CEO on Capitol Hill today.

and what does this have to do with you? Well, it just intertwines with the BS being spewed by our politicians. So they have this guy on Capitol Hill and they're raking them over the coals. Got that? And of course, he's lying.

There is a worry. China, let's discuss them for a second. They spy. Well, we spy too. China. They got about a million plus Uyghurs putting in term in camps, pretty much kidnapped. They put people in jail that are loud with their voice against the government. Even very famous people, go look up Jimmy Lai. Hong Kong is not the Hong Kong I knew. And I love this. I love Hong Kong. I ain't going back. You say the wrong thing. you go missing. The head of China

is a communist dictator of epic proportions. He's kissing the ass of murdering. Vladimir Putin. Can't trust a word they're saying. They're saying, no, we don't use TikTok to spy and

get records from the United States. Collect records. No. Oh. You know what he didn't say? That they have no ability to collect records or spy. Didn't hear that today. But where are the politicians with bullcrap?

They ain't shutting TikTok down. Do you know why? What do politicians care about most? The five minutes after they are elected? their re-election. And do you think they're going to piss off Generation Z? And take their TikTok away? Ain't going to happen.

I'm on record. They're bluffing. They're singing a loud dance to look like, look at me. I'm a tough politician. I'm on record. Ain't nothing going to happen. I've never been on TikTok. I have an Instagram, but I never do anything on it.

I just like going to different places. Like, I'm going to Dubai in September. So I follow a couple of Dubai tourism things. A couple of my favorite professional wrestlers. But I never say anything or do anything. I don't even think I have a picture on there. I just put up a Facebook page. No picture.

And the reason I just put it up is just like seeing what friends are doing. But I got hacked. I had to shut it down a year and a half ago. I don't post anything I just you know see what my friends are doing but I can see how kids

get addicted you know they just you know what Instagram does if you look at a Dubai hotel they'll push to you a hundred videos

the best restaurants the best pools the best hotels with a go and due to the fact you're going there and you want to have a great time

you go through that ladies and gentlemen they got you by the you know what's what a system they got you corralled and kids impressionable kids I get it

by the way and we're not blaming the companies we're just letting you know facts anyway the Chinese CEO the Chinese TikTok CEO lied the politicians made like their look at me, but they ain't can do nothing. They got to get reelected.

That's the TikTok story of the day. On top of the Janet Yellen story today, in other news, what happened to the Trump indictment? We'll see. We'll see. That didn't happen yet. And as I've said to you, I looked at this indictment. If they do indict him, it's pure political. kids I was at a CVS drug store today because it's cold and flu season for Gary I just went to get some what did I get today some tissues some Advil it's all locked up the tissues weren't the advil was locked up and there was only one person working the front they had to come back and open it for me Advil and I asked them what's the deal oh we

been shoplift about 150 times. And there's nothing we can do. And we are told not to do anything about it because you never know if the guy's got a gun or a knife or he's going to just kick the guy's ass. They let that happen. We've had stories of one guy 35 times. Yeah, we'll do it again. We'll do 36. But let's indict Trump.

Not saying he's guilty or innocent. They're insane. Pure political. if this was a democrat it'd be nothing in fact the big guy joe by nothing happened to do right it's all political so the big game in town remains the nasdaq nazdac one hundred semiconductors and let me state for the record again they better keep it going because oil energy autos auto dealers auto parts retail just about all retail the whole managed care comes complex, waste management, autos, hotels, farm machinery, a lot of the transports, truckers,

rails, financials, everything, and we mean everything brutally beaten most things, economically sensitive, most of the restaurants, insurance, a lot of the commodities, bare markets. and some of epic proportions in a short period of time. So let me repeat, I better keep that going. And my state for the record, the Russell 2000 was down again today. With the NASDAQ up 117, NASDAQ 100 up 162, why? A bunch of smaller banks, the Russell 2000. So stay tuned.

Yields came down again today, almost the stick on the tenure, 3.4. which makes J. Powell's move even stupider. Remember, he was way behind when he kept rates of zero and interest rates spiked. And now he's way behind as he keep raising interest rates as real interest rates have come down. In other news, Coinbase, C-O-I-N, some about a Wells notice from the SEC, go read about it. Square! They change their name to block. because they're stupid.

Hindenberg research came out and did a whole thing on them that they're bad, bad, bad, down 15% of 62 bucks. And if you know what we mean by a disaster, square, now called Block at 289 bucks. In September of 21, it's now 62 bucks. Ladies and gentlemen, learn how to identify bare markets

and you will be ahead of 99.9% of Wall Street. Who's the best at identifying bear markets? Your handsome and buffed host. We have proven it again. Now let's hope for another bull market. Which ain't happening yet, except for a select few names,

in tech, big tech. By the way, none of them really in bull markets. They're in all in recovery, hoping for better things going forward. But we think we may be having to deal with some other issues as we move forward. And as we said to you, don't forget what we said three weeks ago,

we're worried about the job market now. We're timing it. If we lose the job market, we go into a deep recession. Up next, and whatever else comes to mind. I'm Gary. This is the one only investors edge. Hi, I'm Dr. Jay Goodman, host of Beyond the Script, the podcast where I sit down with pharmacist to answer the health,

questions you didn't even know you could ask at the pharmacy counter. In this episode, we are diving into gut health with CVS pharmacist Victoria Motola, who explains why so many of us live with stomach issues we should not accept as normal. A lot of what I see is just like chronic bloating, chronic stomach aches. Like I get a stomach ache every time that I eat and it just becomes like a lifestyle where, oh yeah, you know, I just, I have a stomachache every day. Or I'm constantly feeling like gassy. And all of those things are not something that generally, if you have a healthy gut, you should be living with. So that's when we deep dive. We deep dive into your medication. We deep dive into your OTC medication. And then at that point, we can probably

identify something that we can change. Hear the full conversation, plus some fascinating facts about how gut health affects so much more than just your stomach on Beyond the Script, a podcast from CVS Pharmacy and IHeartRadio. Listen now wherever you get your podcasts. When energy dips, your reviving routine deserves more than a quick fix. Reach for vital proteins, collagen, and protein shaking chocolate. With 30 grams of protein and 10 grams of collagen peptides, it helps support healthy hair, skin, nails, and joints,

and a smooth, ready-to-drink shake. So your afternoon reset actually sets you up for success. Vital Proteins. Stay vital. Visit VitalProtene.com and get started. These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease. Success starts with your drive, and American Public University is here to fuel it. With affordable tuition and over 200 flexible online programs,

APU helps you gain the skills and confidence to move forward. Whether you're changing careers, starting fresh, or pursuing a lifelong passion, our programs are designed for people who never stop. You bring the fire, APU will fuel the journey. Learn more at APU. APUS.edu. We're listening to. What are we waiting for? Well, what are you waiting for?

One, two, ready, go. Investors Edge with Gary Culper. And welcome once again to Investors Edge. Thanks for being with us today. In case you don't know, a few other things that have been going on. A bunch of celebrities were charged for boosting crypto. I didn't even know you can be charged for that just for endorsing. Lindsey Lohan, Jake Paul,

SEC charges for boosting crypto without saying you were being paid. So I think that's what it has to do with. I believe Kim Kardashian paid a big fine for that. These duffices did not know what they were endorsing. I just endorse anything that moves. Can you blame them? Yeah, a little bit. So that's going on. Also in the news. And this is what I mean. Trump brought in $1.5 million for some sort of defense fund after he said he was going to be arrested.

And so far he has not. Just let me know. You think you got some outlier person that cares so much about you. As we told you, when it comes to all these people, just follow the money. as I have said to you, I have never been more optimistic on most of us. I have never been more pessimistic on all of them. And they've been proving me right day in and day out. Next, Benjamin Hall. In case you do not know.

First off, his new book is New York Times best sell. Benjamin Hall. The book is Saved a War Reporter's Mission to Make It Home. Works for Fox News and in Ukraine. The only way you can put, he got blown up. Two other people died. The Biden administration from the Defense Secretary on down saved his life. Got him out of there.

I believe he lost an eye, part of his arm, and one of his legs. If you have a chance, get the book. Inspirational. I love inspirational. And if you have a chance, go look at his interviews. He's been doing on Fox News, and I believe Fox Nation app. You know, none of us really know how would we react to outlier. things. You always wonder about yourself. If you see somebody getting beat up, would you interfere and try to help?

Or would you go the other way? You know, we've seen plenty where people ignore other people getting the crap beat out of them on a train or something like that. How do you handle? Think about it. One day you're doing your job reporting in more zones and the next day, You're missing an eye, arm and a leg. And instead of whining complaining, you're inspiring and inspiring others that are in that position. And you can tell he's doing it naturally, not as a business, but as a human being. I've never met him. I'm hoping to meet him.

I take inspiration from people like this. I always love meeting those that were dealt a bad hand. And instead of putting their head in the ground, they fought back and won out. There's stories after stories after stories. I bring this up just in case you're having one of those not so good moments. I don't remember who once said it to me or did I read it somewhere. Baseball games have nine innings. Anyway, Benjamin Hall, go look it up.

You will not be disappointed. And he did a Fox News documentary, Sacrifice and Survival, A Story from the Front Line. It aired on Sunday night, but I'm sure you can pick it up anywhere. And of course, it was very highly watched. Unbelievable. Unbelievable story. You try to put yourself in somebody's shoes and you can't because you're not there.

What else? Let's walk back. Another crappy reversal day to the downside could have been much worse. Janet Yellen saved the day. Changed her stance completely from yesterday. But I'm watching those financials, all these bare market areas, the real estate that has crashed. especially the office real estate,

and the fact that just about all bids are headed into semiconductors, big tech, and a select few other tech, and a smattering of other stuff. And you can add Netflix coming on today. We'll see what happens from here. Earnings were down 90% last quarter. Just reporting the news.

The market's going to need to really broaden out and if it doesn't and they start to come after what's the strength big trouble and then and lastly we'd love to think different

we'd love to say different I don't think we've got past the financial troubles yet and I know if we're not yelling and Biden and Powell say everything's fine they're full of it they say they have tools

they don't. They say they have the money. It'll be more debt. Not so sure that's good news. Until tomorrow, I'll have a great evening. Drive carefully. I'll be flying Delta tonight. Back home.

And 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. Take care all.

Until tomorrow. Peace out. Bye-bye. This has been Investors' Edge with Gary Cultbaum on BizTalk. To listen to past episodes or to get in contact with Gary, go to GaryK.com. That's GaryK.com. If you've been following the news, you know the world is dealing with a level of uncertainty that isn't going away anytime soon.

Inflation pressures, global tensions, and the highest U.S. debt levels on record, continue to influence markets day after day. And the result is familiar to anyone checking their retirement balances or savings accounts. Volatility has become the norm. In times like these, people often look for ways to strengthen their financial foundation. Physical gold and silver have served that purpose throughout history. They're real assets that exist outside the digital and financial systems that tend to fluctuate during economic stress. They're not a guarantee and they're not a shortcut to wealth, but they can offer diversification when things feel unpredictable.

Preserve gold is committed to helping Americans understand their options, with simple educational information, including how precious metals can be held in an IR. in an IRA. For your free wealth protection guide, text IHeart to 50505. And with a qualified purchase, you could receive up to $15,000 in free gold or silver. Don't wait. Text IHeart to 50505. Success starts with your drive, and American Public University is here to fuel it. With affordable tuition and over 200 flexible online programs, APU helps you gain the skills and confidence to move forward. Whether you're changing careers, starting fresh or pursuing a lifelong passion. Our programs are designed for people who never stop.

You bring the fire, APU will fuel the journey. Learn more at APU. APUS.edu.edu.