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
Which Hall of Famer played for his hometown team for four separate tours of duty?
Hint: #1 He was the first designated hitter playing for a National League team to homer in a regular-season game.
Hint: #2 He is number one on an important career statistical list where Ty Cobb, Barry Bonds, Henry Aaron, Babe Ruth, Pete Rose, Willie Mays, Alex Rodriguez, Cap Anson, Stan Musial and Derek Jeter are numbers 2-10.
Monday’s question answered:
Q. Who is the only player to hit a double, triple and home run in one World Series game?
Hint: #1 He was named National League Comeback Player of the
– Ans. Brock hit all 3 off Tiger pitchers in the WS on 06-Oct-1968. His double was off John Hiller, his triple was off Joe Sparma and his HR was off Denny McLain. No one has yet hit for the cycle in a WS game.
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Three silver stocks show signs of ascending after a recent slide that followed a strong surge.
Silver and gold both are traditional safe harbors for investors when world events turn turbulent and military action rages. With Russia’s leaders threatening World War III, a sustained Middle East conflict and China’s saber-rattling in Asia, investors have plenty of geopolitical reasons to take cover while still enhancing the performance of their portfolios.
The three silver stocks all are recommended by seasoned seekers of precious metals when the market’s take a renewed gaze at them. Silver rose Tuesday, Oct. 28, after pulling back for more than a week following a fairly steady climb that may have begun to deter investors who feared they already had missed out on the resurgence.
Three Silver Stocks Show Signs of Ascending After Recent Slide: Checkan out or in?
Seasoned silver and gold sleuth Rich Checkan, president and chief executive officer of Rockville, Maryland-based Asset Strategies International, offered an optimistic view of the outlook for both silver and gold, despite recent retreats.
As of today, both metals have taken those significant downward moves in stride and are building back toward recent all-time highs, Checkan said. Of course, this is perfectly normal and healthy considering the “unabated upward run” both gold and silver took for several months before last week’s slippage.
“I can hear gold’s and silver’s critics now,” Checkan counseled. “They are going to say both metals are in a mania, the price is out of control, and you should not invest at the top. Well, they are wrong.”
Do not overlook silver when gold dominates the headlines and news coverage. Silver often lags gold’s giant jumps but tends to move “further and faster” than the precious yellow metal, Checkan continued.
Three Silver Stocks Show Signs of Ascending After Recent Slide: WPM
Bryan Perry, who heads the Cash Machine investment newsletter and the Blue Chip Trader advisory service, currently is forecasting possible slowed spending in 2026 that will trigger a significant market correction due to the heavy big effect mega-tech artificial intelligence (AI) stocks have on the major indexes. Within six months to a year from today, raising cash will be a wise move to capture these historic gains, he counseled.
“I hope it is not the case, but based on how the Treasury, the Fed, the White House and Congress are operating, the odds favor a financial reset that brings the P/E of the S&P 500 back in line with historical averages,” Perry opined.
The medium- to long-term case to allocate towards precious metals as a hedge against possible tensions between China and the United States, Russia and Ukraine, or China and Taiwan; an equity market collapse; or government-debt-related debasement/ recession/bond vigilante moments remains strong, Perry said. The question is at what price asset allocating investors buy, he added.
Wheaton Precious Metals Corp. (NYSE: WPM), of Vancouver, Canada, traded up on Tuesday, Oct. 28, after suffering a steep pullback,” Perry wrote to his Blue Chip Trader advisory service subscribers. That trading service recommends both stocks and options.
“Stay long,” Perry advised about investors in Wheaton Precious Metals that mines both silver and gold.
Wheaton Precious Metals announce in September that it had committed financing to Carcetti Capital Corporation to support a proposed acquisition of the Hemlo Mine from Barrick Mining Corporation (NYSE: B). It shows Wheaton Precious Metals is eyeing growth even through investments.
Three Silver Stocks Show Signs of Ascending After Recent Slide: PAAS
Another Vancouver, Canada-based silver miner is Pan American Silver (NYSE: PAAS), a current recommendation of Mark Skousen, PhD, in his Five Star Trader advisory service. The silver stock shined with a 1.47% gain on Tuesday, Oct. 28.
Investors who bought it the past couple of weeks rode silver down but now have a chance to rise with it, Skousen said. He has a track record of recommending precious metals when they have economic factors in their favor and advising to sell when the winds blow the other way.
Pan American has mines in Latin America and also offers exposure to gold, copper, lead and zinc. Company officials tout their mining of metals used every day in smartphones and power electricity, among other avenues.
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Three Silver Stocks Show Signs of Ascending After Recent Slide: HL
Skousen also recently helped the subscribers of his Low-priced Stock Trader service profit from the purchase of Hecla Mining (NYSE: HL) stock and options. They had the opportunity to lock in a 47% gain, even though the holding period only lasted one month.
Huge short-term gains came from option recommendations in the Low-priced Stock Trader service advisory service. Triple-digit-percentage gains were achieved in that lone month through options. Specifically, the options were sold in parts with one segment netting 215% and another 387% through Hecla’s December $9 calls.
I personally held Hecla longer than a year after buying it early, but I kept a long-term focus and finally was rewarded with a profit. I sold it just before the recent pullback but simply wanted to buy something else.
Three Silver Stocks Show Signs of Ascending After Recent Slide: Geopolitical Risk
Ukraine remains a battle ground for the empire-building leaders of Russia. That nearly four-year-old war is a real-world threat that can worsen further if Russia’s President Vladimir Putin and his supportive comrades in the country’s leadership fail to recognize the sustained pain on the nation’s economy and with courageous citizens who have been called to start and continue a war that has produced little but misery for either side.
Russia also has killed children, women and elderly civilians with little apparent regard for human life, whether they are Ukrainians or Russians. The tactic of charging ahead to gain mere meters may ultimately show insufficient purpose to sustain but calls for peace and a ceasefire, particularly by U.S. President Donald Trump, so far has not persuaded Russia’s leaders to change from putting their country in persistent peril rather than bringing it prosperity.
Paul Dykewicz is an accomplished, award-winning journalist who has written for Dow Jones, the Wall Street Journal, Investor’s Business Daily, USA Today, Seeking Alpha, GuruFocus and other publications and websites. Paul is the editor of StockInvestor.com and DividendInvestor.com, a writer for both websites and a columnist. He further is the editorial director of Eagle Financial Publications in Washington, D.C., where he edits monthly investment newsletters, time-sensitive trading alerts, free e-letters and other investment reports. Paul also is the author of an inspirational book, “Holy Smokes! Golden Guidance from Notre Dame’s Championship Chaplain“, with a foreword by former national championship-winning football coach Lou Holtz. Follow Paul on Twitter @PaulDykewicz.
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Capital One Just Flashed a Buy Signal—New Highs Could Be Next
Written by Chris Markoch. Published 10/23/2025.
Key Points
Capital One’s first full quarter since the Discover merger delivered strong upside, with beats across key financial metrics and a boost in margins.
Credit performance held steady, easing concerns heading into earnings season and showing resilience in the lending environment.
A sizable buyback and dividend increase reflect management’s confidence, while analyst upgrades and price action point toward a potential move to new highs.
The company delivered a strong earnings report. Based on the stock move and analysts’ reactions immediately after the release, the setup looks like a favorable buying opportunity.
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COF stock rose about 3.39% in midday trading following the earnings, approaching its all-time high. Although modest, this move likely signals the beginning of a larger upward trend.
Revenue of $15.36 billion beat expectations of $15.06 billion and was roughly 23% higher than the prior quarter. Adjusted earnings per share (EPS) of $5.95 topped estimates of $4.25 and rose about 8.5% from the previous quarter. The company’s net interest margin increased to 8.36% — up approximately 75 basis points, with about 45 basis points attributable to Discover.
Heading into earnings season, investors in financial stocks that extend credit were watching two items closely: the provision for credit losses and the net charge-off ratio. Capital One faced particular scrutiny because of Discover’s recent data.
Those concerns largely dissipated. Capital One reported:
A smaller-than-expected provision for credit losses of $2.71 billion (up from $2.48 billion a year earlier).
A net charge-off ratio that declined to 3.16%, down from 3.27% a year ago.
Buybacks and Dividend Increases Are Bullish for Shareholders
Shareholders received additional positive news when Capital One announced a new $16 billion share repurchase program effective immediately. The buyback equals nearly 12% of the company’s current market capitalization and replaces the authorization issued in April 2022.
The company also raised its quarterly dividend by 33%, from $0.60 per share to $0.80, beginning with the next distribution.
COF Stock Has a Bullish Setup for New Highs
COF is trading near the upper Bollinger band and has an RSI around 58 (not shown). That combination is mildly bullish without being overbought.
Historically, moves to the upper band have often led to brief pullbacks or consolidation rather than steep declines. Those corrections have tended to be modest.
The MACD shows only minimal separation after a bullish crossover, suggesting momentum is present but not overheated.
Investors should watch for signs of sustained momentum following this post-earnings lift, which may be amplified in the near term by high-frequency trading.
Even if a pullback occurs, the stock is unlikely to fall all the way back to the $202 level, which acted as support on two occasions in the past 30 days.
Near-term support/resistance interest may form around $214. Analysts have already been active following the report.
The Capital One analyst forecasts on MarketBeatshow five analysts raising their price targets and one analyst reiterating a target. In all but one case, the revised targets are above the consensus price target of $258.89.
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