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Author Archives: RJ Hamster
I was born on 6 August 1956 in San Francisco, California to Janet and (the late) Richard Hovis.
I grew up in Santa Monica, California where I attended elementary, junior high school, and high school (graduating in 1974), in addition to involvement in sports and recreation (Little League +, the Boy’s Club ++). Further, it was in elementary school – St. Augustine’s By-the -Sea Parish School that I found, and made the choice to truly journey with God.
I attended Arizona State University from 1974 to 1977 – seeking to become an architect, however, I was not accepted, and, as such, I graduated with a Liberal Arts degree.
Upon graduation from Arizona State University, I attended Cal Poly San Luis Obispo and studied City and Regional Planning at the Master’s level. I successfully completed one (1) year in a two (2) year program – I did not complete the Master’s degree in City and Regional Planning – due to personal reasons.
I returned to Santa Monica where I started (October 1979) my career as graphic designer with Exxon Company, USA. I spent five years with Exxon Company, USA.
While working with Exxon Company, USA I was accepted into architectural school – Sci-Arc in Southern California, however, I did not attend preferring to stay with Exxon..
In 1982 I married Laura Flosi and in April 1983 we had our one and only child – Lauren Alain Hovis – a gift from God.
We moved to Phoenix, Arizona in 1984 from Los Angeles, where I went to work as a graphic designer with Kitchell CEM (from 1985 -1987).
From 1987 – 1995 I was an independent contractor, and a registered representative in mortgage finance, financial management, graphic design, and drafting.
Further, I attended the University of Phoenix and successfully obtained a Master’s in Business Administration (MBA) in 1982.
I was also a member of the Scottsdale Jaycees, where I became very involved in community events and projects.
In 1994, I accepted a cartography position with the Defense Mapping Agency in Reston, Virginia. As such, I relocated from Phoenix to Reston.
In 1998, I was accepted and worked as a Visual Information Officer with the Central Intelligence Agency. In 2002, I worked as a Support Officer until my retirement (due to a need for shoulder surgery) in September 2018.
Away from my Federal Government service, I have been involved in various organizations and activities in Northern Virginia.
In November of 2011, I married Rebecca Ouellette in Santa Monica, California. I reside in San Tan Valley, AZ with my two hamster - Jess and Timothy, our fish, our lizard - RJ Lizard., and our cats - Pearl and Grey.
As to hobbies, I enjoy playing sports, attending sporting events, mentoring individuals from financial management to hamsters, building models, photography, travel, multimedia design, managing partner for RJ Hamster, and jazz – smooth jazz to a samba or a bossa nova.
Love and God Bless,
Peter – aka RJ Hamster Jo hi
Last Week’s Selloff and What It Means
February 7th, 2026
Donald Doge
I sent this essay yesterday morning during the heart of the selloff, when emotions were running hot, and narratives were forming in real time. Since then, markets have recovered a meaningful portion of the move.
That rebound doesn’t settle the question or guarantee anything about what comes next. What it does do is clarify what last week’s move was really about. This wasn’t fundamentals breaking. It was positioning, narratives, and machines reacting faster than humans could think.
With prices already moving again and uncertainty still very much in play, this framework matters even more now than it did when I first hit send yesterday morning.
Last Friday morning, $847,000 evaporated from my portfolio in under four hours.
Gold dropped 8.5%. Silver collapsed 19.8%. The mining stocks I’ve accumulated for years got hammered.
My phone buzzed with alerts. My inbox filled with panicked messages from readers asking if the thesis was broken.
I poured myself a coffee, sat down at my desk, and did something that probably sounds insane.
I bought more.
I’m not reckless, and I don’t enjoy watching money disappear, but I’ve seen this movie before, and I know how it ends.
My father came to this country with nothing. He worked jobs that would break most people. He saved every dollar he could. And he watched inflation slowly erode everything he built.
That memory lives in my bones. It’s why I’ve spent over a decade studying what actually protects wealth when the system starts cracking.
Last week’s selloff wasn’t a warning to get out. It was an invitation to get in.
Let me show you why.
The Headline That Spooked Everyone
First, let’s talk about what happened.
Kevin Warsh was nominated as the new Fed Chair. Wall Street branded him a “policy hawk.” The algorithms sold first and asked questions never.
But here’s what the machines missed.
In December 2018, Warsh co-authored a Wall Street Journal op-ed with Stan Druckenmiller, one of the greatest macro traders alive, titled “Fed Tightening? Not Now.”
They urged the Fed to stop raising rates and tightening liquidity.
Druckenmiller set the record straight last weekend in the Financial Times: “The branding of Kevin as someone who’s always hawkish is not correct. I’ve seen him go both ways.”
Think about this…
The President didn’t nominate Warsh to crash the economy before the midterms.
He nominated him because Washington wants to run the economy hot. Tax cuts. Higher refunds. Targeted deregulation. All designed to juice GDP and keep voters happy.
Running an economy hot doesn’t kill inflation. It feeds it.
The algorithms saw “hawk” and panicked. The humans who understand history saw something very different.
The Math That Keeps Me Up at Night
Core PCE, the Fed’s preferred inflation measure, is stuck at 3%. It’s neither falling nor stabilizing. Just stubbornly stuck.
Meanwhile, market-based core inflation excluding housing has actually acceleratedsharply.
The data isn’t cooperating with the “inflation is dead” narrative Wall Street keeps selling.
I’ve been writing about this for a very long time.
Even before I began publishing this newsletter, I argued that when faced with a choice between austerity and inflating away the debt, Washington would choose inflation every single time.
Nothing has changed. The math has only gotten worse.
Federal debt-to-GDP sits at record levels. Interest expense alone eats up 12-13% of tax revenue, roughly double what it was in the mid-1940s.
And unlike the post-WWII era, we don’t have a demographic tailwind. We have a demographic cliff.
Baby boomers are retiring. Immigration is being restricted. The under-20 population is shrinking.
Who exactly is going to produce the economic growth needed to service $36 trillion in debt?
Nobody.
Which means the only path forward is the same path every empire has taken when the bills come due.
They print.
Central banks can print money.
They cannot print the copper needed to build data centers. They cannot print the silver required for solar panels. They cannot print the gold that has served as money for five thousand years.
The Physical Market Tells a Different Story
Here’s what didn’t make the headlines last week.
While paper silver on the COMEX crashed to $75, physical silver premiums in Shanghai exploded to nearly 50%.
As of the latest data, the premium still hovers around 20% above Western paper prices.
In a genuine market selloff, physical metal trades at a discount to paper. Sellers dump inventory, buyers wait, and premiums compress.
That’s not what happened here. Physical premiums expanded to record levels precisely when paper prices collapsed.
The paper price is a fiction maintained by futures contracts representing hundreds of claims for every ounce of actual metal.
The physical price, what you actually pay when you want to hold something real, tells a completely different story.
Beijing understands this.
On January 1st, they classified silver as a strategic asset and limited exports. China controls 60-70% of the global refined silver market. They’re not selling to the West until domestic needs are met.
The same day Western paper prices crashed, President Xi’s remarks were published in the CCP’s official journal, Qiushi, calling for the RMB to “hold the status of a global reserve currency.”
I don’t believe in coincidences when it comes to China. They’re playing chess while Wall Street algorithms play checkers.
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Supply Cannot Respond to Price
Global gold mine production hit 3,672 tonnes in 2025. Up 0.6% from 2024. Up a grand total of 0.2% since 2018.
Gold prices have nearly tripled in seven years, and production has barely budged.
This isn’t a demand problem. It’s a supply problem that cannot be solved with money printing or policy changes.
You can’t will gold out of the ground. The easy deposits have been found. The remaining ore is deeper, lower grade, and more expensive to extract.
Meanwhile, investment demand for physical gold and ETFs grew 84% year-over-year to 2,175 tonnes.
Combined central bank and investment demand hit 3,039 tonnes, equivalent to 83% of total mine production.
The math doesn’t work. Demand is growing. Supply is flat. And the marginal buyer isn’t some retail speculator, instead it’s central banks who understand the dollar-based financial system is fracturing.
Gold’s share of global reserves currently sits around 24%.
During the last multipolar periods in history, 1870-1914 and 1918-1939, gold comprised 85-90% of reserves.
We’re not at the end of this move. We’re still in the first phase of the bull market.
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What I Did and What You Should Consider
I’m not telling you to panic buy. That’s not how this works.
But I will tell you what I did and why.
Last Friday, when everyone was selling, I added to my positions in physical gold and the gold miners.
Here’s my framework:
If you own gold and silver:
Hold. The thesis is intact. Pullbacks in bull markets are features, not bugs.
Every major gold bull market in history has experienced corrections of 15-25% along the way. This is normal and healthy. This is how markets shake out weak hands before the next leg higher.
If you’ve been waiting to buy:
This is your entry.
You’re not going to get a better setup than a technically-driven selloff that leaves physical premiums at record highs while paper prices collapse. The divergence between paper and physical is screaming at you.
If you think this is the top:
Ask yourself one question.
Has anything changed about the debt? The deficits? The demographics? The supply constraints? The central bank buying?
The answer is no. What changed is sentiment. And sentiment is the worst possible guide for long-term investment decisions.
The Wealth Transfer Is Already Underway
Like it or not, the system transfers wealth from people who hold paper to people who hold real assets.
When you print trillions of dollars, the dollars you already own become worth less.
The things those dollars can buy, gold, silver, land, productive assets, become worth more.
The question isn’t whether gold and silver will be higher in five years. The question is whether you’ll have the conviction to hold through the volatility required to get there.
I’ve watched my portfolio drop by hundreds of thousands of dollars in a single morning.
I’ve received the panicked emails. I’ve felt the temptation to sell and make the pain stop.
But I’ve also studied history. The people who built generational wealth weren’t the ones who sold during corrections.
My father couldn’t protect his savings from inflation because he didn’t have access to the information you’re reading right now.
He didn’t understand that the game was rigged against people who held paper. He trusted the system.
I’m not going to make that mistake. And I don’t want you to make it either.
Last week’s selloff was a gift wrapped in fear. The algorithms panicked, the physical market diverged, and the fundamentals remained unchanged.
I know my answer.
What’s yours?
Double D
P.S. Here’s a screenshot of the current Moonshot Minute Portfolio. I’ve blurred out the tickers since that information is only for Premium Members, but you can see how we’ve done so far:
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In today’s Premium Section, you’ll find a brand new recommendation we’re putting our money in during this explosive stage of the copper boom.
I hope you’ve been paying attention because many of our picks are currently beating the S&P by up to 4-to-1 this year.
Most financial newsletters charge $500, $1,000, even $5,000 per year. Why? Because they know they can.
I don’t.
I built my wealth the old-fashioned way, not by selling subscriptions.
That’s why I priced this at $25/month, or $250/year.
Not because it’s low quality, but because I don’t need to charge the typical prices other newsletters charge.
One good trade, idea, or concept could pay for your next decade of subscriptions.
The question isn’t ‘Why is this so cheap?’ The question is, ‘Why would I charge more?’
P.S. If this newsletter were $1,000 per year, you’d have to think about it.
You’d weigh your options. You’d analyze the risk.
But it’s $25 a month.
That’s the price of a bad lunch decision.
And remember, just one good idea could pay for your subscription for a decade.
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His Blood Type Matched an Official’s… The Army Took His Kidneys | Raymond Zhang
Doctor Warns Americans: “Avoid This Food At All Costs”
February 07, 2026 TODAY IN HISTORY The Beatles arrive in New York on first U.S. visit 1964 TOP STORIES His Blood Type Matched an Official’s… The Army Took His Kidneys | Raymond Zhang
In 2015, a whistleblower came forward to The Epoch Times to share an unthinkable story.
Years before, while a resident doctor at one of China’s largest military hospitals, he was summoned one day with other doctors for a “secret military mission.” They were brought before a 17-year-old young soldier—bound so tightly that the ropes cut into his flesh—and ordered to pin the boy down and extract his kidneys and eyes.
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The 21-Day Challenge That Could Transform Your Portfolio
Eric Fry
Editor, Smart Money
DAILY ISSUE
The 21-Day Challenge That Could Transform Your Portfolio
Hello, Reader.
I have a challenge for you.
Don’t worry, it’s nothing scary. You could even say it’s all gain and no pain.
But first, some context: There is a popular myth that it takes 21 days to break a habit.
Surely there are many habits we all would be better off breaking. But as an investor, there are particular habits that could be holding you back from reaching maximum profits.
An important one is perspective.
My “macro” approach to investing, for example, utilizes a broad “topdown” perspective to pinpoint opportunities. By examining the global big-picture trends that drive huge, multiyear moves in entire sectors of the market, I’m able to discover some moneymaking opportunities that a non-global perspective might miss.
Admittedly, U.S. stocks have delivered world-beating results for nearly two decades, but many American investors assume this delightful trend will continue long into the future.
No matter what happens next, investors should never remain “overweight” in U.S. stocks and bonds simply because they are familiar.
So, here’s where my challenge comes in.
Over the next 21 days, which brings us neatly to the end of the month, I challenge you to adjust your investing habit and look beyond U.S. markets.
Over the span of a full market cycle, a dose of international exposure can provide a helpful diversification to your portfolio, while also growing your wealth.
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Urgent News from an Oceanfront Estate Near Mar-a-Lago
For 40 years, Louis Navellier has had a front-row seat to history’s greatest wealth creation events. His proprietary stock grading system — what some have called “Wall Street’s FICO score” — has helped transform everyday Americans into millionaires. During one remarkable 15-year stretch, his recommendations turned every $1 invested into $41. These aren’t just claims. They’re documented successes that have led major financial institutions to pay a fortune for Louis’ insights. But what he’s seeing now is unlike anything in his four decades on Wall Street.
Innovation Lives Here. Opportunity Lives Everywhere.
To be clear, I’m by no means bearish on the United States. I think we’re still the ground zero of innovation and capitalistic dynamism.
But it doesn’t mean there aren’t other opportunities in other countries.
Let’s take a look across the Atlantic Ocean…
For decades, Europe built its economic model around openness – cross-border trade, export dependence, global supply chains, and trans-Atlantic reliability. That model worked beautifully when the global system was stable.
It works less well when trade becomes political.
Energy shocks… supply-chain disruptions… war in Ukraine… and now growing policy unpredictability from the U.S. have all delivered the same message: Europe can no longer assume that external commerce will always be reliable.
So, Europe has begun prioritizing intra-European trade and supply chains.
Over the span of decades, global investors have learned a simple reflex: When in doubt, buy America. Its companies were always among the world’s most dynamic, innovative, and profitable enterprises… and still are.
However, in a world where trade is fragmenting, policy is unpredictable, and alliances are increasingly transactional, Europe’s emphasis on internal commerce and strategic autonomy becomes a valuable asset.
In fact, we’re already seeing a pullback in U.S. reliance following last week’s India-European Union (EU) deal, which dramatically lowered tariffs on EU imports into India, creating the world’s largest free trade zone.
By itself, that’s not some headline. But it isa part of a mosaic where we’re seeing capital attempt to flow around the U.S. – instead of into the U.S.
As an investor, if you’re not monitoring other countries’ behaviors and what they’re doing with their capital, then there’s a good chance you’re missing out on some opportunities.
So, I’d like to share how I’ve reaped the benefits of investing in international stocks – and how you can, too…
Putting My Challenge Into Practice
You don’t want to ignore something just because it’s a habit, nor do you want to behave a certain way out of routine or limited perspective.
That’s why I challenge you – for the next 21 days – to begin widening your investment approach. Simply adding several non-U.S. stocks can bolster returns in today’s market.
In fact, my global macro perspective allowed me to identify a current international holding in Fry’s Investment Report at the ideal time – a luxury and lifestyle company now up 56% in 10 months.
At Fry’s Investment Report, I also recommend several foreign ETFs that are currently capturing double-digit gains and outpacing the S&P 500 by a wide margin, as I advised members to ride the potential of their countries’ transformations.
Good investing!
Regards,
Eric Fry
Editor, Smart Money
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RJ Hamster 