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
AMERICAN STOCK ADVISORSYour Daily Edge on Wall StreetTake a look at this image. You’re looking at a 114-acre site on the Tennessee-Mississippi state line…
What’s being built here could be the most ambitious project of Elon Musk’s career.
One of the only media outlets allowed inside the closely guarded facility called what they saw “absolutely amazing.”
Nvidia’s CEO called it “Superhuman”
And White House AI Czar David Sacks says “Elon is scaling this faster than anyone.”
Meanwhile, competitors are so desperate to figure out what’s going on… they’ve resorted to flying spy planes over the complex.
This is bigger than Tesla and SpaceX…
So big that a Nobel Prize winning scientist says it “could have an even greater impact on society than the internet and mobile technology.”
And I believe it’s about to trigger a 70X investment boom.
I’ve pinpointed three stocks at the center of it all.
Louis Navellier Senior Investment Analyst, InvestorPlace
This ad is sent on behalf of InvestorPlace Media at 1125 N. Charles Street, Baltimore, Maryland 21201. If you’re not interested in this opportunity, please click here.Disclaimer: This material is for informational purposes only and should not be construed as financial advice.We are often approached by other businesses with special offers for our readers. While many don’t make the cut, the message above is one we believe deserves your consideration.
American Stock Advisors [ASA] sending this newsletter on behalf of Prestige Publishing LLC 200 Continental Dr Suite 401, Newark, DE 19713, USA
WHAT THE SMART MONEY IS DOINGWEDNESDAY, MAY 13, 2026by Nate Fowler
Inflation is back. April CPI came in at 3.8% annually — above the 3.7% forecast, the highest since May 2023 — and core inflation accelerated to 2.8%, also above estimates. The S&P 500 fell 0.5% Tuesday; the Nasdaq lost 0.8%. Oil surged 3% above $101 as Trump called the ceasefire “on life support.” The U.S. government released 53.3 million barrels from the Strategic Petroleum Reserve — and prices still rose. Real wages fell 0.5% in April. CME FedWatch now shows zero rate cuts priced in for 2026. The war is in the inflation data. Today: PPI arrives, Cisco reports after the close, and the market asks whether the Fed’s next move is a cut or a hike.
Guess which tech stock is about to crash next?
No one believed Whitney Tilson when he predicted the collapse of Bear Stearns and Lehman Brothers. Or when he went on 60 Minutes exposing a company of poisoning its own customers. (The stock fell nearly 80%.) Now he has a new warning about what’s REALLY around the corner for America’s most beloved tech companies.
U.S. releases 53.3 million barrels from Strategic Petroleum Reserve 53.3M bbl
The Strategic Petroleum Reserve (SPR) is the U.S. government’s emergency oil stockpile. On Tuesday, the government released 53.3 million barrels as part of a 172-million-barrel IEA-coordinated release. WTI crude still rose 3%. When the largest coordinated release since 2022 cannot prevent prices from rising, the shortage is larger than the policy response.
Saudi Aramco CEO Amin Nasser: 100 million barrels lost per day 100M bbl/day
Saudi Aramco is the world’s largest oil company. CEO Amin Nasser said Monday the world is losing 100 million barrels of oil supply each day the war continues — roughly the entire daily global consumption. That frames Hormuz not as a disruption but an existential supply problem.
Plug Power rises 11% after reporting progress toward profitability +11%
Plug Power (PLUG) develops hydrogen fuel cell systems for industrial equipment and vehicles. Shares rose 11% Tuesday after reporting strong revenue growth and progress toward its goal of profitability by Q4 2026. With oil above $100 and gas at $4.50 nationally, the economics of hydrogen as a fuel alternative are improving with every barrel that doesn’t come through Hormuz.
Lumentum added to Nasdaq index — optics plays rise on AI data center demand LITE +5%
Lumentum Holdings (LITE) makes the optical components and lasers that connect servers inside AI data centers. Shares rose 5% Monday after Nasdaq announced it would add the company to its index. The AI supply chain keeps expanding beyond chips into the physical infrastructure that moves data at the speed of light.
Atlanta Fed GDPNow tracks Q2 growth at 3.7% 3.7% GDP
The Atlanta Fed’s GDPNow model — a real-time tracker of incoming economic data — is pointing toward 3.7% growth in Q2 2026. That is a strong number. The economy is growing and inflation is rising at the same time. That combination — growth plus rising prices — gives the Fed no clear path to cut rates and no reason to hike aggressively. It is the hardest position for a central bank.
↓
Who Sold
Exits and reductions this week
CPI 3.8% — hottest since May 2023, above estimates 3.8% YoY
The Consumer Price Index rose 0.6% in April and 3.8% year-over-year — the highest annual reading since May 2023 and 0.1 percentage point above consensus. Core CPI, which strips out food and energy, rose 0.4% monthly and 2.8% annually, both above estimates. Energy surged 17.9% YoY (gasoline +28.4%). Shelter rose 0.6% monthly. Airline fares rose 20.7% YoY. The war is in the core numbers now.
Real wages fall 0.5% — workers are losing purchasing power −0.5%
Real average hourly earnings — wages adjusted for inflation — fell 0.5% in April and are down 0.3% annually. Nominal wages rose 3.6% but prices rose 3.8%, meaning workers’ paychecks buy less than they did a year ago. When real wages turn negative, consumer spending power erodes regardless of what the stock market does.
CME FedWatch: zero rate cuts priced in for 2026 0 Cuts
The CME FedWatch tool — which tracks futures markets to estimate the probability of Fed rate moves — now shows zero rate cuts for the rest of 2026. Earlier this year, at least one quarter-point cut was priced in. Chris Zaccarelli, CIO at Northlight Asset Management, said it is now “possible that we may start pricing in rate hikes for next year.”
Nasdaq falls 0.8% as tech selloff follows hot CPI print −0.8%
The Nasdaq fell 0.8% Tuesday — its worst session in a week — led lower by growth stocks sensitive to interest rate expectations. The S&P 500 lost 0.5% and the Dow fell 198 points. Tech stocks priced on future cash flows are worth less when rates stay higher for longer. That repricing landed Tuesday morning.
Trump told reporters Monday that Iran’s response was “garbage” and the ceasefire was “on life support.” WTI crude rose above $101 Tuesday; Brent above $108. National average gas hit $4.50 per gallon. Every day the Strait of Hormuz stays closed adds supply pressure that no SPR release can offset.
⟳
Where the Money Moved
Sector performance — Tuesday, May 12, 2026 (last trading day)
Energy
+1.4%
Utilities
+0.4%
Cons. Staples
−0.2%
Financials
−0.4%
Industrials
−0.6%
Technology
−0.8%
Cons. Disc.
−1.0%Money flowing inMoney flowing out
Tuesday’s rotation after the CPI: energy was the only sector meaningfully green. Technology — which had led the market for six straight weeks — fell 0.8%. Consumer discretionary was the worst at −1.0%. When the inflation print is hot enough to flip the rate-cut narrative, the sectors that need low rates get hit first.
NATE’S TAKE
The CPI print confirmed what the market had been trading around: the war is now in the inflation data. Headline at 3.8% is one thing — energy prices will do that. But core CPI at 2.8%, above the 2.7% estimate, is different. Core strips out food and energy. When core accelerates, it means oil costs are filtering into shelter, airline fares, apparel, and services. That is not a temporary supply shock anymore. It is price-level contagion. The market’s reaction tells you exactly how it processed that distinction: the Nasdaq fell 0.8%, energy was the only sector meaningfully green, and CME FedWatch erased all remaining rate cuts for 2026. Northlight’s Chris Zaccarelli said the market may start pricing in hikes for 2027. Real wages fell 0.5% in April. Workers are losing purchasing power. The economy is growing at 3.7% according to the Atlanta Fed. Growth plus inflation plus no rate relief — that is the environment the incoming Fed chair inherits on Thursday.
◆
Who’s Hedging
What’s being priced into the market today
PPI data arrives this morning — wholesale inflation’s turn PPI Today
The Producer Price Index measures wholesale inflation before it reaches consumers. If PPI confirms the CPI story — rising input costs across the economy — it means the inflation pipeline has more pressure behind it. If PPI is milder, it suggests consumer prices are being driven by demand rather than costs, which is a different kind of inflation.
Cisco, Tencent, and Alibaba all report today Wed Earnings
Cisco Systems (CSCO) makes the networking and AI infrastructure hardware that connects data centers. It reports fiscal Q3 after today’s close, with consensus at $15.5 billion in revenue and EPS of $1.04. Cisco is up 28% this year on hyperscaler demand. Tencent and Alibaba — China’s two largest tech companies — also report today.
Gas at $4.50 nationally — up 50% since the war began $4.50/gal
National average gas reached $4.50 per gallon Tuesday (AAA) — up 50% since the war began. CPI confirmed gasoline is up 28.4% year-over-year. Hormuz stays closed, supply stays tight, and the SPR release cannot close the gap.
Memory chip ETF gained 30% in a single week — Applied Materials reports Thursday DRAM +30%
The Roundhill Memory ETF (DRAM) — which tracks companies making the memory chips used in AI servers — rose nearly 30% last week. Applied Materials (AMAT), which makes the equipment used to manufacture those chips, reports Thursday. The AI hardware supply chain is still accelerating while the rest of the market absorbs the inflation data.
Retail sales data Thursday — the consumer spending test Thu Data
April retail sales arrive Thursday. Real wages are down 0.5%, gas is at $4.50, and consumer sentiment is at all-time lows. If retail sales hold, the economy is resilient. If they fall, the squeeze has reached the register.
THE TAKEAWAY
The war is in the inflation data. CPI at 3.8%, highest since May 2023. Core at 2.8%, above estimates. Real wages fell 0.5%. Zero rate cuts priced for 2026. The U.S. released 53 million barrels from the SPR and oil still rose 3%. Gas is at $4.50. Saudi Aramco’s CEO said the world is losing 100 million barrels of daily supply. The Nasdaq fell 0.8%. PPI arrives this morning. Cisco, Tencent, and Alibaba report today. Applied Materials tomorrow. The memory chip ETF gained 30% last week. The market came into this week at records. It leaves Tuesday knowing the inflation the war created is not temporary — and the Fed has no easy answer.
The Sub-$1 Pre-IPO AI Stock Flying Under the Radar
Round closes May 14th, 2026 at 11:59 p.m. PT
Wall Street is quietly buzzing about a company some call “the operating system for the future of work.”
It’s already partnered with Meta, Samsung, Microsoft, and Qualcomm, yet few retail investors even know it exists.
Immersed built the No. 1 productivity app in the Meta Quest Store. 1.5M+ professionals use it as their primary workspace, some for up to 60 hours a week. Their Visor headset delivers 2M more pixels than Apple’s Vision Pro at 1/3 the price, with 75,000+ people already on the waitlist.
The company has reserved its NASDAQ ticker: $IMRS. Valuation has grown 4,000% since founding.
CURRENT OFFER DETAILS$0.72 per share $999minimum investment Up to 20% bonus sharesCloses May 14, 2026
This is a paid advertisement for Immersed Regulation A+ offering. Please read the offering circular at invest.immersed.com
The valuation is set by the Company and there is currently no public market for the Company’s Common Stock. NASDAQ ticker “IMRS” has been reserved by Immersed and any potential listing is subject to future regulatory approval and market conditions. Investor references reflect factual individual or institutional participation and do not imply endorsement or sponsorship by the referenced companies. Forward-looking statements appear here based on current information. They involve known and unknown risks, uncertainties, and other factors that may cause outcomes to differ.
TDIC Rallies to a High of $4.72 Running Up 193% in Gains
10XProTrader Member,
This is Kevin Vander with “10XProTrader” Saying Congrats on TDIC and BZFD!
I first alerted TDIC on May 12, premarket at approx. $1.61, and it rocketed to a high of $4.72 today representing 193% gain from my alert.
Take a look at the Snapshot of Level II below.
If these types of gains I’ve just listed above interest you, which soared up +193%, I urge you to pay very close attention to my next breakout stock setup.
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Editor’s Note: Our colleague, the former $900 million hedge fund manager Larry Benedict, has discovered a way to make money from gold… WITHOUT buying a single ounce. Read on to learn more…
Dear Reader,
A former hedge fund manager has discovered a unique way to pull cash from the gold markets.
In a field full of success stories, Lam Research Corporation (NASDAQ: LRCX) has emerged as one of the clearest winners of the AI boom. As of May 7, the stock was up almost 300% over the last 12 months, more than 70% year to date, and over 30% in the past month alone.
That has been great news for investors who have ridden the move from the beginning, but the stock’s one-way run, especially in recent weeks, may be making some investors cautious right now.
Even so, Lam Research continues to attract fresh bullish attention. Strong earnings two weeks ago, growing excitement around AI infrastructure spending, and now new speculation tied to SpaceX’s ambitious semiconductor expansion plans have all added to the momentum. The result is a stock that has already soared into the proverbial stratosphere, yet analysts still argue the best may be yet to come. Let’s take a closer look at why.
Strong Earnings Confirmed the Bull Case
The biggest reason Lam Research continues to rally is that the company is no longer trading on hype alone. That may have been true a year ago, but investors are now seeing clear evidence that the underlying business is benefiting directly from the AI-driven surge in semiconductor demand.
Last month’s earnings report reinforced that view in a meaningful way. Revenue growth was strong, margins expanded, and management delivered exactly the kind of confident outlook investors were hoping for. More importantly, the company showed that demand for advanced semiconductor manufacturing equipment is continuing to accelerate as chipmakers race to expand AI-related production capacity.
This matters because Lam sits at the center of the semiconductor manufacturing ecosystem. The more aggressively companies invest in advanced chips, memory, and foundry capacity, the greater the demand for Lam’s equipment and technology.
Investors are increasingly recognizing that dynamic. As with many other companies MarketBeat has covered recently, Lam is no longer viewed as just another cyclical semiconductor stock. Instead, it is increasingly being treated as a direct infrastructure play on the AI boom itself. That distinction helps explain why the rally is continuing into May even after such enormous gains over the past 12 months.
The SpaceX News Adds Another Layer of Excitement
The other catalyst helping to fuel the latest leg of the rally came on Wednesday, May 6, in the form of reports surrounding SpaceX’s ambitious Terafab semiconductor project in Texas.
According to reports, SpaceX is planning a massive semiconductor manufacturing facility to produce its cutting-edge 2nm chips by the end of the decade, supporting its AI and robotics ambitions. Lam Research has reportedly emerged as one of the key equipment suppliers Elon Musk has contacted regarding the project.
Even though the details are still speculative, investors immediately saw the potential upside. And just as Intel Corp (NASDAQ: INTC) shares reacted earlier this week to news that Apple Inc (NASDAQ: AAPL) was considering them as a partner, Lam shares rose to fresh all-time highs.
This is exactly the kind of narrative that momentum investors love. It ties Lam Research directly to one of the hottest themes in the market while also linking the company to Elon Musk, AI, domestic manufacturing, robotics, and next-generation semiconductor infrastructure.
Whether the project ultimately reaches its full scale remains to be seen. Still, the fact that Lam is being associated with it at all further strengthens the perception that the company sits at the center of the AI infrastructure buildout.
The Rally Is Stretched, But the Trend Remains Strong
Investors should not ignore how extended the stock has become in the near term. A 300% rally over 12 months is extraordinary by any standard, and the latest leg higher has been especially aggressive.
Technically speaking, Lam Research is clearly overbought, and a period of profit-taking or consolidation would be completely normal after a move like this. Investors considering chasing the stock at current levels need to be realistic about that risk.
However, the broader setup still looks favorable. Importantly, analysts remain bullish despite the massive gains already seen. The likes of Deutsche Bank recently reiterated its Buy rating alongside a $325 price target, while Oppenheimer did the same, only with a $330 target.
For investors on the sidelines wondering whether it is worth chasing the stock at these levels, that matters, because it suggests Wall Street still sees meaningful upside ahead, even after one of the market’s strongest rallies. The stock may need time to cool off in the short term, but the bigger picture continues to point higher.
Lam Research appears well-positioned to benefit from a rare combination of strong execution, powerful industry tailwinds, and accelerating investor enthusiasm for AI infrastructure. And as long as companies keep racing to build the infrastructure powering the AI economy, Lam looks likely to remain one of the biggest winners.
Today’s Exclusive Content
CPI Card Group’s Quiet Cash Machine Faces a Digital Reality Check
Submitted by Peter Frank. Article Published: 5/4/2026.
Key Points
CPI Card Group benefits from steady demand for physical payment cards despite digital payment growth.
The Arroweye expansion boosted revenue but reduced net income due to acquisition and integration costs.
Strong cash flow supports the business, though leverage and tariffs remain ongoing risks.
Remember paying with plastic? In this age of mobile payments and online shopping, CPI Card Group (NASDAQ: PMTS) certainly does—and its business is delivering record results.
It may not be a flashy fintech, but CPI makes something that still belongs in your wallet: the physical debit and credit cards banks hand to customers every day. And believe it or not, that business was booming last year, as the company generated a record $543.5 million in revenue and $60 million in operating cash flow, up 37% from the year before.
How long this increasingly old-fashioned payment method can last is a question investors may be asking. For now, the business looks less exciting than dependable.
Record Revenue Highlights Durable Card Demand
In fact, CPI just posted the best revenue year in its history in 2025. This is a business that benefits every time a bank opens a new checking account, redesigns its card portfolio, or replaces a lost card. Someone has to make that piece of plastic, and CPI is one of the companies that does it.
Even as digital wallets dominate the headlines, underlying demand for physical cards has remained surprisingly durable. That’s good news for CPI. Last year, revenue at the company climbed 13% to $543.5 million, driven by an acquisition, contactless options, and instant issuance solutions. The company’s core debit and credit segment, in particular, grew 20% to $451.5 million.
The fourth quarter was especially strong. Revenue of $153.1 million represented a 22% year-over-year increase and marked a new quarterly record. Adjusted EBITDA for the quarter surged 34% to $29.4 million, a sign the company is becoming more efficient.
Acquisition Brings Expansion, But Pressures Earnings
A significant part of CPI’s growth story in 2025 was its $46 million, all-cash purchase of Arroweye Solutions, a specialist in on-demand digital card personalization. Arroweye helps banks and fintechs produce customized cards in smaller batches, faster than traditional manufacturing cycles allow. That’s especially valuable for the wave of challenger banks and small-business card programs that need a limited number of cards quickly.
The acquisition is already paying off. Within just eight months of ownership, Arroweye contributed $43 million in revenue to the debit and credit segment and added $6 million in adjusted EBITDA. Management has also suggested that additional integration synergies are still ahead as the company expands from a commodity card printer into a more diversified, software-enabled payments supplier.
While the acquisition contributed meaningfully to revenue, it did weigh on the bottom line. Full-year net income at CPI fell 23% from $19.5 million to $15 million. Both $6 million in acquisition and integration costs and a higher effective tax rate worked to drag down results.
Strong Cash Flow Offsets Rising Costs
Importantly, cash kept coming in. Operating cash flow reached $60 million, up 37% from 2024. That came in handy, as cash flow mostly offset the funding for Arroweye, the company said. For the year, free cash flow came in at $41 million, a 21% increase.
It’s worth noting, though, that the company’s net leverage ratio did rise slightly over the year to about 3.1 times adjusted EBITDA. For a company this size, that’s an important figure to watch. Unexpected drops in orders, further cost increases from tariffs, or additional strategic investments could make leverage more of a risk.
Market shifts also showed up in some of the numbers as CPI faced a few pressure points. The company’s prepaid debit segment came in at $93.6 million, a decline of 12% in 2025 after an unusually strong prior year. Serving the government benefits and reloadable card markets, the segment offers little clear sign of a meaningful near-term recovery.
Tariffs are another concern. CPI gets some card materials from overseas, and tariff costs reduced adjusted EBITDA by $4.4 million in 2025, the company said. The outlook for this year is no better, as it expects about $6 million in additional tariff-related expenses.
Despite those pressures, the company’s guidance points to steady, if unspectacular, growth for 2026. Revenue is expected to increase in the high single digits, adjusted EBITDA to rise in the low-to-mid single digits, and free cash flow to remain stable. Its net leverage ratio should fall back to between 2.5 and 3 times adjusted EBITDA, the company said.
Outlook Is For Steady But Modest Growth
At a company this size, analyst coverage remains unsurprisingly thin. Of the five analysts covering CPI, the overall rating is a Hold. Three analysts recommend a Buy, while one suggests Hold and one rates the stock a Sell. The average price target is $28.25, more than 60% higher than its current trading level.
Clearly, CPI is not a stock for everyone. It does not pay a dividend, so income investors will look elsewhere. The company carries leverage, operates in a niche of the financial sector that most of Wall Street ignores, and faces real questions about long-term demand.
But it just delivered record revenue and a 37% jump in operating cash flow, all while successfully integrating a strategic acquisition, and it has pledged to reduce leverage.
Assuming the world is not going fully digital anytime soon, card issuance remains a reality and a need. Physical cards for new accounts, cycle refreshes, and replacements for lost or stolen cards must come from somewhere.
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MARKETS: Markets opened lower Tuesday as investors reacted to a slightly hotter-than-expected inflation report, with weakness spreading across most sectors and consumer discretionary and materials leading losses.
POLITICS & GLOBAL TRADE: President Trump began his trip to China, where he is set to meet President Xi Jinping, with trade policy and artificial intelligence expected to dominate discussions alongside high-profile tech executives including Elon Musk and Tim Cook.
RATES: Treasury yields moved higher, with the 10-year rising to 4.45% as investors reassess inflation and policy expectations.
GLOBAL MARKETS: Overseas, Asian equities closed mostly lower overnight, while European markets also came under pressure in a broad risk-off session.
COMMODITIES: WTI crude oil extended gains as ongoing disruptions to shipping flows through the Strait of Hormuz continued to support energy prices.
CURRENCIES: The U.S. dollar strengthened against major peers, helped by rising bond yields and shifting rate expectations.
METALS: Copper surged above $14,000 per ton, approaching record highs amid tight supply conditions and strong industrial demand signals.
SILVER: Silver jumped 17% over the past five days, with momentum building ahead of the anticipated Trump–Xi meeting.
INFLATION DATA: April CPI rose 3.8% year over year, slightly above expectations, driven largely by a 17.9% surge in energy prices, while core inflation edged up to 2.8% versus forecasts of 2.7%.
LABOR MARKET: ADP data showed private employers added an average of 33,000 jobs per week over the past month, signaling steady but modest hiring momentum.
HIMS & HERS (HIMS): Shares fell after a wider-than-expected loss, weaker per-prescriber revenue, and soft forward guidance disappointed investors.
SEMICONDUCTORS: Memory chip stocks pulled back as traders locked in profits after a recent rally driven by supply constraints and rising prices.
QANTUM COMPUTING (QUNT): Shares rose after the company posted $3.7 million in revenue, sharply higher year over year and ahead of Wall Street expectations.
UNDER ARMOUR (UAA): The stock dropped after missing earnings estimates and issuing weak guidance, including a forecast for revenue decline in fiscal 2027.
GAMESTOP / EBAY (GME / EBAY): GameStop declined while eBay slipped after rejecting a reported $55 billion takeover bid, citing concerns over financing, valuation, and execution risk.
WENDY’S (WEN): Shares surged on reports that activist investor Trian Fund Management is exploring a potential take-private transaction.
ON HOLDING (ONON): The stock fell despite better-than-expected earnings, as investors focused on broader demand concerns.
LOWE’S (LOW): Lowe’s gained after Citigroup upgraded the stock to “buy,” citing expectations for earnings upside and continued industry outperformance.
BIG TECH & AI FINANCING: Alphabet and Amazon declined after reports of potential yen-denominated bond issuance tied to rising AI investment needs.
RATE OUTLOOK: CME FedWatch shows markets pricing in a near 98% probability that the Fed will hold rates steady in June and likely through most of 2026.
CLOSING NOTE: U.S. stocks fell Tuesday as inflation data and geopolitical uncertainty weighed on sentiment while investors also reassessed the sustainability of the recent tech-driven rally.
WHAT TO WATCH: Traders will look ahead to additional inflation signals, upcoming retail sales and PPI data, and a new wave of earnings reports for confirmation on whether inflation pressures are stabilizing and if economic growth remains resilient.
Amazon Launches 30-Minute Delivery Service in Aggressive Expansion of “Ultra-Fast” Shipping
Amazon is rolling out deliveries in 30 minutes or less across dozens of U.S. cities, marking its most aggressive move yet into ultra-fast “quick commerce,” the company announced Tuesday. The service, branded Amazon Now, began as a limited pilot in December and has already expanded internationally, including select cities in Brazil, Mexico, India, and the United Arab Emirates.
Makary is Out as FDA Commissioner Following Industry Backlash and Internal Turmoil
FDA Commissioner Dr. Marty Makary has been removed from his role, with a deputy stepping in as acting head of the agency, President Donald Trump confirmed Tuesday. Makary’s departure comes after mounting tensions within the administration and growing criticism from drugmakers, physicians, and patient groups over regulatory decisions during his tenure. “He’s a wonderful man and he’s going to be off, and the assistant, the deputy, is taking over temporarily,” Trump told reporters. “He’s going to go on, and he’s going to lead a good life.”
Earnings Spotlight: Cisco (CSCO)
Cisco (CSCO) is scheduled to release its fiscal third-quarter 2026 earnings today with analysts projecting an EPS of roughly $1.03–$1.04 and revenue of approximately $15.55 billion, reflecting continued growth driven by AI infrastructure, according to Visible Alpha and Yahoo Finance reports.
What’s Ahead
May 13: April PPI and core PPI, and expected earnings from Alibaba (BABA) and Cisco (CSCO). May 14: April retail sales and expected earnings from Applied Materials (AMAT). May 15: April industrial production and capacity utilization. May 18: Expected earnings from Baidu (BIDU). May 19: Expected earnings from Home Depot (HD), Toll Brothers (TOL), and Cava Group (CAVA), and April housing starts and building permits.
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Weekly Finance Habits: More People Are Focusing on Small Adjustments
Many households are paying closer attention to small financial habits that can be reviewed and adjusted over time. Rather than making major changes, people are increasingly focusing on consistency and routine awareness.
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Read online💰Dividend DispatchINCOME IS EVERYWHERE. I FIND IT. WEDNESDAY, MAY 13, 2026·6 min readTODAY’S THEME Income from four places you might not expect a check from Wednesday is when I get to share the ideas that make people text me a screenshot and say “wait, that pays a dividend?” Today: the company that builds every U.S. Navy nuclear aircraft carrier — quarterly check of $1.38 a share. The largest billboard owner in North America. An ETF that gets paid for selling other people’s option premium — yielding 10.3%monthly. And a mortgage REIT that actually earned its 13% dividend last quarter, which is the opposite of the red flag I pointed out Monday. Different mechanics, same goal: get paid.
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The Weird Yield
Income from places you’d never expectHIIThe only company in America that builds nuclear aircraft carriers — pays a dividendI love this one. Huntington Ingalls Industries is the sole builder of every U.S. Navy nuclear-powered aircraft carrier — the floating cities the Navy uses to project force around the world. They also build Virginia-class and Columbia-class nuclear submarines, amphibious ships, destroyers. Newport News Shipbuilding traces back to the 19th century. Ingalls to 1938. The combined company was spun out of Northrop Grumman in 2011.
Here’s why I find it interesting. There’s no competitor. You can’t just build a nuclear aircraft carrier in your garage. The skills, the dry docks, the security clearances, the multi-decade contracts — Congress has structurally committed to keeping this capability inside two HII shipyards. Backlog stretches into the 2070s.
The quarterly dividend is $1.38, declared April 29, payable June 12to holders of record May 29.Annualized that’s $5.52. At a roughly $319 stock price the yield is 1.7%, so $10,000 here is about $170 a year. HII has raised the dividend every year for 13 years running. Payout ratio is only 33% — plenty of room.
The risk to know: HII had a rough Q1 report — margins compressed, JPMorgan called it “disappointing.” The shipbuilding business is famously slow and cost-overrun-prone. And the stock can swing hard on a single Pentagon budget headline. But the backlog is real, the moat is the Navy itself, and the dividend keeps growing. Yield: 1.7%$10K invested = $170/yrPaid: QuarterlyLAMRLamar owns 362,000 billboards — and structured itself as a REIT to pay youDrive across any state in the country and you’ve already seen Lamar Advertising’s product. They own more than 362,000 billboards, transit signs, and airport displays across the U.S. and Canada — including 5,400 digital billboards, the biggest digital network in the country.
Here’s the part that delights me. Lamar elected to be a real estate investment trust — a REIT. The “real estate” is the steel and the land underneath each billboard. That tax structure means Lamar has to distribute at least 90% of its taxable income as dividends. So you, the shareholder, get paid like a landlord every time some dentist in Tuscaloosa rents a billboard.
The 2026 quarterly dividend is $1.60 per share, declared back in February. At an annual run rate of $6.40, the yield is about 4.6% on the current $140 stock — so $10,000 here puts $460 a year in your account. Plus a special dividend in December 2025 on top. The dividend has grown about 14% a year over the last five years.
Risk to know: about 78% of Lamar’s billboard revenue is local and regional advertisers. That’s defensive when national ad budgets get cut — your local car dealer still needs to be visible — but in a real recession even the dentist trims spending. And Lamar carries meaningful debt to fund its acquisition machine. As long as billboard cash flows stay durable, the dividend stays funded. Yield: 4.6%$10K invested = $460/yrPaid: Quarterly💰
The High Yield
Today’s best dividend income ideas — 8%+ yields onlyJEPQJPMorgan rents out the upside on Nasdaq stocks — and pays the rent to youHere’s an analogy I use to explain JEPQ. A covered call is like renting out a room in your house — you give up the chance to use that room yourself, but you collect rent every month. JEPQ is JPMorgan doing this on Nasdaq stocks. They own around 100 Nasdaq-100 names and use about 20% of the portfolio to sell call options on the index. The premium people pay for those options becomes the bulk of the monthly distribution.
The yield is 10.3%. The monthly distribution most recently was around $0.51 per share on a stock trading near $59.50. $10,000 invested = about $1,030 a year — roughly $86 a month showing up in your account.
The fund holds about $35 billion in assets and pays the first business day of every month. JEPQ’s last ex-date was May 1; the next is June 1.
The honest catch — and there is one — is that JEPQ caps your upside. In years when the Nasdaq rips higher (like 2024 or so far in 2026), JEPQ captures only part of the gain because some of the upside got sold off as option premium. The trade-off is high monthly income with a smoother ride than the index. And the distribution is taxed mostly as ordinary income, not qualified dividends, so this fund belongs in an IRA, not a taxable account. I own a slice in my IRA. Different job from a buy-and-hold growth stock. Yield: 10.3%$10K invested = $1,030/yrPaid: MonthlyAGNCA 13% monthly check — and yes, I know I called out a mortgage REIT on MondayI know what you’re thinking. Two days ago I told you Two Harbors was on my no-buy list. Now I’m bringing you another mortgage REIT? Let me explain the difference, because this is exactly the kind of distinction that separates okay-income from bad-income.
AGNC is a pure-play agency mortgage REIT. “Agency” means every bond they own is guaranteed by Fannie Mae, Freddie Mac, or Ginnie Mae — backed by the U.S. government. They borrow at short-term repo rates, buy these government-guaranteed mortgages, and pocket the spread. Then they use about 7.4 times leverage to amplify it.
Q1 results dropped April 21. The dividend last quarter cost $0.36 a share. Net spread and dollar-roll income — basically AGNC’s adjusted earnings — came in at $0.42. That’s coverage of about 117%. The monthly $0.12 check was just paid May 11. Annualized that’s $1.44, and at roughly $10.80 a share, the yield is about 13.3%. So $10,000 = $1,330 a year, about $111 a month.
Now the risk, straight. AGNC has cut its dividend twice in the last decade. Tangible book value dropped 5.6% in Q1 as Middle East tensions blew mortgage spreads wider. If the Fed surprises and pauses cuts, repo costs stay elevated. If long rates rip back up, book value takes another hit. The dividend is covered today. Tomorrow is a different question. This is a yield position, sized accordingly — not a foundation. Yield: 13.3%$10K invested = $1,330/yrPaid: Monthly📋
The Extra Yield
This week’s calendars, screens & answersDon’t miss these ex-dates: HTGC goes ex-dividend tomorrow, Thursday May 14 — own it by today’s close to capture the $0.47. Costco’s $1.47 quarterly hits accounts Thursday too. HII’s $1.38 ex-dates May 29. JEPQ’s next monthly is June 1.I ran a screen this morning:companies with U.S. government as the largest customer AND a dividend at least 10 years old. Six names cleared the bar: HII (today’s pick), Lockheed Martin (LMT), General Dynamics (GD), Northrop Grumman (NOC), L3Harris (LHX), and Raytheon (now RTX). LMT pays the highest yield of the group at around 2.8%. Defense dividends are some of the best-funded in the market — backed by multi-year Pentagon contracts and conservative payout ratios. Someone asked me: “If JEPQ collects option premium and AGNC collects mortgage spreads, what happens to both in a recession?” Honest answer — opposite things, often. JEPQ usually does better in flat or down markets because volatility spikes drive higher option premiums. AGNC depends on the yield curve staying steep and stable, so a sharp move either way can hammer book value. Mixing both is one way to diversify your yield engines instead of stacking the same risk. THE DISPATCH Four very different income engines today. HII gets paid to build nuclear aircraft carriers. Lamar gets paid to rent out 362,000 billboards. JEPQ gets paid for selling option premium. AGNC gets paid on government-guaranteed mortgage spreads. Tomorrow we head back to growth — two more Dividend Growth Stars plus the second half of Safety & Watchlist. Until then. — Charlie 💰Dividend Dispatch THE HIGH YIELD · ARISTOCRATS · GROWTH STARS · THE WEIRD YIELD · SAFETY
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