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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
The RJ Hamster afternoon Show
Greenland: One Destination, Endless Ways to Explore
Greenland is a land of vast possibility, where the landscapes are as dramatic as they are diverse. From south to north, east to west and into the remote reaches of its national park, each region reveals a distinct character—and a different way to explore.
Aboard the ice-class vessels in the National Geographic-Lindblad Expeditions fleet, venture deep into this wild frontier—navigating iceberg-filled bays, tracing remote fjords and accessing communities and wildlife-rich regions far beyond the reach of conventional cruising. Explore one region in depth, pair Greenland with Iceland or Arctic Canada, or journey farther still on an epic voyage through the Northwest Passage.
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GREENLAND-032826
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This $1.8 Trillion Risk Could Hit Your Portfolio
Another crisis for the markets … build your fortress portfolio to withstand anything
For nearly a thousand years, the Theodosian Walls of Constantinople (modern-day Istanbul) stood as one of the most formidable defenses ever constructed.
The strength of the Theodosian Walls didn’t come from a single imposing barrier, but from a carefully engineered system built in layers.
A wide moat stretched across the front, slowing invaders before they could even reach the structure. Beyond it stood an outer wall, and behind that, a much taller and thicker inner wall.
Credit: scaliger
Towers were spaced at regular intervals along the walls, giving defenders visibility and the ability to strike from multiple angles. Even if attackers managed to breach one layer, they found themselves exposed in the open space between walls, vulnerable before they could press forward.
Underneath it all was a solid foundation, designed to endure for centuries, supported by constant maintenance and reinforcement.
These walls had depth, redundancy, and strength beneath the surface. They weren’t built for appearance but for endurance.
That’s exactly the kind of strength today’s market is demanding.
Recommended Link
Tech CEOs Dumping Dollars [Musk, Zuckerberg, Bezos, Ellison]
It’s not a PR stunt. A 47-year Wall Street insider says it’s the clearest signal in American finance: the people who understand money best refuse to be paid in dollars. Louis Navellier explains what they take instead — and how ordinary folks could do the same. Watch His Urgent Briefing.
The Headlines You May Be Missing
Operation Epic Fury has created significant uncertainty in the markets. But while investors are focused on the immediate headlines, a quieter risk is building beneath the surface – and it has the potential to do far more lasting damage to long-term wealth.
That’s why today’s environment needs a different kind of portfolio – one built like a fortress.
The burgeoning crisis in the private credit market is flying under the radar of most investors. If not for the war, these headlines would be creating a lot more anxiety.
From Bloomberg:
From CNN:
The private credit industry – valued at about $1.8 trillion – is suffering from significant defaults and fears that AI disruption could hurt software companies, which account for about 30% of its loans, according to JPMorgan.
Earlier this week, Apollo Global Management and Ares said they are limiting shareholder withdrawals in their private credit funds amid a surge in investor requests across the industry.
Meanwhile, Moody’s downgraded the credit rating of a private credit fund run by KKR and Future Standard, sending it into “junk” territory after more of its borrowers stopped paying their loans.
Investing legend Louis Navellier has been calling out this danger for more than a year.
In December, during our semi-annual Omnia roundtable with all the analysts, Louis was bullish on the market’s prospects in 2026, but he called out this problem as one to watch.
If you want to be scared, private credit is a problem.
Dodd-Frank created the private credit industry because banks won’t lend to people unless they’re perfect. So, if your credit score isn’t above 800, you’re 798, they kick you out to private credit, they mark up the loans, and they pay 11% yields to investors because they leverage those loans. Well, now the default rate is rising, there’s a problem.
JP Morgan lost 170 million with Tricolor. BlackRock’s got a problem with the Utah bundler of loans; they might lose half a billion dollars.
Since then, the negative headlines have come fast.
Now, you might be thinking…
“Why should I care about private credit? I don’t own any of these funds.”
Even if you’ve never invested a dollar in private credit… many of the companies you do own depend on it.
As Louis has been saying, this $1.8 trillion market has quietly become the go-to funding source for thousands of businesses that couldn’t qualify for traditional bank loans. This is especially true in areas such as software, where easy money helped fuel rapid growth.
For years, that system has kept weaker companies alive, helped others expand faster than fundamentals would justify, and allowed investors to ignore the weaknesses.
But that environment has changed.
Interest rates are higher. Defaults are rising. And lenders are starting to pull back.
Many of the companies leveraging that cheap money are about to lose access to the very thing that’s been keeping them afloat. And when that happens, the impact won’t stay contained inside private credit funds – and ripples will extend throughout the stock market.
You can probably guess what we’ll see.
Companies miss earnings. Debt becomes harder to refinance. Layoffs begin.
Then, stock prices fall fast.
So, you don’t have to be in the private credit market to start to feel the effects.
You just have to own the wrong stocks.
Can your portfolio withstand the pressure?
Just like the Theodosian Walls weren’t defined by a single layer of stone… the strongest companies today aren’t defined by a single metric.
They’re built in layers.
And that’s exactly what Louis Navellier’s system is designed to identify.
Every week, Louis runs a quantitative analysis on more than 6,000 stocks—grading them from A to F based on the same kind of structural strength that made those walls so effective.
Not surface-level traits like hype or recent price momentum, but the deeper layers that determine whether a company can endure real stress.
We’re talking about stocks with superior fundamentals:
- Strong, consistent cash flow
- High return on equity
- Expanding profit margins
- Low debt relative to assets
And, of course, whether institutional investors are quietly accumulating shares.
When all of those layers are in place, stocks get an “A” in Louis’ Stock Grader system.
These are the market’s true fortress companies.
On the other hand, stocks with weak fundamentals, such as high debt, deteriorating margins, and negative cash flow, are the ones leaning on today’s private credit system to survive.
And if that system continues to crack, there isn’t a second wall behind them.
The DNA of a Fortress Company
In Louis’ Breakthrough Stocks service, he recommends smaller companies with superior fundamentals … the ones few have heard of that can explode higher over time.
In September, he recommended Tutor Perini Corp. (TPC), a full-service construction company.
That’s not a flashy AI darling. Instead, it’s a company known for large-scale transportation and civil construction. In late February, the company posted blowout earnings, proving why Louis’ system identified it as a strong buy.
Fourth-quarter adjusted earnings surged to $1.07 per share, compared to a loss of $1.49 per share in the same quarter a year earlier. The consensus estimate called for adjusted earnings of $0.92 per share, so TPC posted a 16.3% earnings surprise. Fourth-quarter revenue increased 41.1% year-over-year to $1.51 billion, beating estimates of $1.35 billion.
Even amid recent market volatility, the stock has held up well, rising more than 20%.
The stock is below Louis’ buy price of $90, so there is still time to get into this trade.
Louis just released a deep dive into the growing cracks in private credit that details not only how to protect your portfolio, but how to benefit as this crisis redirects enormous currents of capital through the financial system.
As I noted above, he identified this risk months ago, and has been putting his subscribers in the best position to protect themselves – and even profit – when the market starts to show cracks.
Maybe you’re in a credit fund, or maybe just exposed to the collateral damage without even realizing it – either way, you should make time to watch Louis’ free presentation that explains the risks and can help position you to profit.
Enjoy your weekend,
Luis Hernandez
Editor in Chief, InvestorPlace
investingdistrict.com
Judge Stops Nexstar Merger; US Troops Wounded; Marines Prep for Chemical Warfare
Breaking News from Newsmax.com
• Federal Judge Stops Nexstar Merger with Restraining Order
Special: This Tiny Invader Is Harming Your Brain Cells – NASA Study
• US Troops Wounded After Iran Strike on Saudi Base
• Marines Heading to Iran Prep for Chemical Warfare
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The RJ Hamster morning Show
Encanterra Golf Team Updates
View in your browser #MYTRILOGYLIFE Encanterra® Encanterra Golf Team Updates Mar 26, 2026
Golf CampsWe’ve already had a great time with our couples camps and half-day sessions this season, and we’ve got three more great options coming up in April to keep the momentum going.
Short Game Camp | April 2nd | 9:00am – 12:00pm | $100
Dial in everything around the greens, including bunker play.
Couples Camp | April 4th | 9:00am – 1:00pm | $120
Join with your partner for 3 hours of coaching, followed by lunch.
Golf Boot Camp | April 11th | 9:00am – 1:00pm | $120
A full game session covering swing, short game, and putting, plus lunch after.
All sessions are led by Mike Berger and limited to just eight spots. Book your spot now and come be part of it.
Sign upDriven by youPeople play golf for many different reasons. For some it’s about the scorecard. Over the last three emails, we’ve included four game management tips that anyone with a “scorecard focus” might want to follow. One club more is often better.
Factor into your club selection that you’re unlikely to make perfect contact. Eliminate the threat of hazards waiting for the imperfect strike.Avoid the short side
Don’t aim at a flag that brings the short side into play. Potential double-bogeys lie there.Your ‘cone of misses’
Know your dispersion width (and depth) with each club and include that data in your planning. Respect the challenge
Be prepared to lay up rather than risk a long approach shot into a green with water in play.But, is that too boring for you?Many golfers play the game as an “escape”. They see “game management” as “boring golf”. For them, one or two magical moments of perfection can be treasured. Those are moments that become memories. We can help you lower your scoreYou would be surprised at how many shots can be taken off your scorecard with better game management. We can show you in a playing lesson.
I’m interested in a Playing LessonMagic can lie in the recovery no-one expected
If you want to boom tee shots and shoot at flags to make moments and memories, then make sure you can scramble as well.
I’d like to improve my short game Introducing the TaylorMade Qi4D LSSkilled players with a good to faster swing speed will benefit from the improved aerodynamics (faster clubhead speed) and the penetrating trajectory (low spin launch to add distance).Traditional, but ever-improving, TaylorMade technologies to influence drive speed, spin, launch, and ball flight are combined with an ultra-aerodynamic head design to produce the lowest spinning model in the range. Right driver, right setupIf this is the right model for you, then let’s spend time together ensuring that the right shaft, configuration, and setup delivers you the tee shot performance to keep lowering your scores.
I’d like to learn more
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RJ Hamster 