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
By the time most people realize the rules of money have changed, their savings will already be worth less.
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The war in Iran has already sent multiple shockwaves through the markets. Gas prices have soared, tankers are on fire in the Strait of Hormuz, and crude oil futures are trading like 2021 meme stocks. With the resumption of normal shipping patterns at least a few weeks away, the disruption will continue to snake its way through market indices, even in energy-independent markets like the United States. When geopolitical pressure enters the picture, investors often take risk off the table and search for stable stocks that offer yield and minimal volatility.
However, because of the Middle East’s significant influence on global markets, it’s important not only to seek steady dividends but also to invest in companies that are resilient to disruption from the Iran war specifically. The two stocks discussed below were chosen because they offer strong dividends and operate primarily within the United States, minimizing exposure to Middle East risks. These qualities make them suitable for risk-averse portfolios if the conflict continues.
2 Stocks With Strong Dividends and Minimal Middle East Exposure
When seeking safe havens amid geopolitical headwinds, investors focus on sectors with predictable income and limited international exposure. In the current climate, this means selecting companies with revenue sources largely independent of the Middle East. Telecom and utilities stand out, as they offer steady revenue, healthy dividends, and operations that minimize the risk of Middle East disruptions.
Verizon Communications: Growth Finally Returns to the Telecom Dividend Fortress
A growth story from Verizon Communications Inc. (NYSE: VZ)? Believe it or not, the telecom giant is in the middle of a turnaround that’s surprising even the most optimistic analysts.
In Q4 2025, the company reported 616,000 quarterly postpaid phone net adds (best since 2019) and more than 370,000 broadband subscribers, and the Frontier acquisition added another 16 million wireless and broadband connections to the Verizon network.
Verizon also reported $20.13 billion in free cash flow for full-year 2025, up from $19.82 billion in 2024.
Only 30% of cash flow is needed to support the dividend, and Verizon has raised payouts for 20 consecutive years. Telecommunications is another sector where low growth and predictable profits add to its appeal during turbulent times.
Verizon’s revenue is 100% U.S.-based and is not affected by shipping disruptions in the Middle East. The only concern for Verizon would be rising energy prices, but this is a relatively small line item in the company’s operating expenses, typically in the single-digit percentage-wise. Despite downtrodden sentiment, U.S. consumers remain well-positioned to keep paying their cable and phone bills, as let’s face it—the last thing Americans want to cut is their access to the internet.
Can you spot on the chart where the earnings news dropped? VZ shares soared 11% following their Q4 report, then tacked on another 12% in the following three weeks. The massive surge created a Golden Cross on the 50- and 200-day moving averages, but also sent the Relative Strength Index (RSI) deep into overbought territory. Now that the parabolic momentum has faded, shares are consolidating around the $50 level while the RSI recedes back into a healthy range. Verizon’s Q4 earnings changed the stock’s outlook, and there’s now an opportunity for upside with the steady dividend income.
American Electric Power: Strong Earnings Growth Provides Upside Potential With Steady Income
The utility sector is a popular place to invest during geopolitical turmoil, largely thanks to its steady dividend payments and minimal volatility.
The American Electric Power Company (NASDAQ: AEP) is a regionally operated utility based in Ohio, serving 11 states and supplying electricity to residential and business customers. Middle East disruptions are already impacting natural gas prices, but American Electric Power’s diverse supply mix of natural gas, coal, nuclear, and renewables helps offset price shocks in any one commodity.
Regulated utilities also have adjustment clauses that pass through fuel increases to ratepayers, and the company has little exposure to shipping or commodity trading that could impact short-term margins.
The company reported strong Q4 2025results on Feb. 12, with operating EPS of $5.97, beating analysts’ expectations, and Q4 revenue exceeding forecasts. Management’s 2026 EPS guidance points to 7%-9% earnings growth. Investors also benefit from a 2.9% yield and a 57% payout ratio. The firm has raised payouts for 15 straight years, growing dividends at a 5.7% annual rate over five years.
In addition to the value proposition, AEP also boasts one of the best-looking charts a dividend seeker can ask for. The stock is in the middle of a long-term uptrend, which has propelled shares up more than 28% over the last 12 months. With strong support at the 50-day moving average and an RSI back under the Overbought threshold of 70, AEP shares could be consolidating for the next leg up in the trend.
You are receiving this email because you are subscribed to Morning Watchlist from Behind the Markets. If you no longer wish to receive these partner emails, please unsubscribe here. This message is from Helus Pharma.
Dear Investor,
In November 2026, the patent on Bristol-Myers Squibb’s blood thinner Eliquis expires.
And just like that, nearly $14.3 billion a year in revenue will go up in smoke, as generics step in and gobble up 80% to 90% of the market.
Worse yet — at least for Big Pharma — the patent on Merck’s blockbuster cancer drug, Keytruda, expires in December 2028. The result: $32.6 billion a year in revenue will nearly disappear.
Then there’s Johnson & Johnson’s cancer drug, Darzalex. Its patent expires in May 2029, taking nearly $17.8 billion of annual revenue with it.
That’s just three examples of a devastating $300 billion “patent cliff” facing big pharmaceutical companies over the next few years as patent after patent expires.
A cliff that will leave them with gaping revenue holes they need to fill quickly.
And it seems almost certain that they’ll move to replace some of that disappearing revenue by acquiring smaller companies with promising new drugs.
With that in mind, I’ve got my eye on an up and coming biotech that could be exactly what they’re looking for.
It’s a NASDAQ company that’s developing breakthrough drugs for mental health issues.
And clinical trials show that its new drugs — based on patented novel compounds — work better than anything Big Pharma has ever come up with.
When you consider that 300 million people around the world suffer from depression and anxiety, it’s clear there’s a ready market for these breakthroughs.
All this could be enough to make the company a potentially enticing takeover target for a multi-billion pharmaceutical company looking to replace some of the revenue lost to those expiring patents.
And that could be good news for the company and investors who own its undervalued shares.
Before I go on, allow me to introduce myself. My name is Jon Najarian. I’m a former NFL football player who traded in his cleats more than four decades ago to launch what has turned out to be a more successful career in the financial markets.
With my brother Pete, I run the Rebel Investors Club, which provides potentially high-profit investment advice to Main Street investors.
And our analysis shows that this NASDAQ company could be our next big winner — whether a big pharmaceutical makes a play for the company or not.
But if does happen, we could see the company’s shares take off, as happened when…
Now, don’t get me wrong. Neither my brother nor I ever would ever recommend investing in a company based solely on its acquisition potential.
While it’s always a possibility, it’s never something to count on. Instead we recommend you look at it as potential icing on the cake.
In any case, with this biotech, we see all the makings of a company that could be going places and potentially handing early investors nice returns.
And getting in now, while the company is still in its early stages, could bring you some rich rewards — even if the company is never acquired.
You can get the full story in an exclusive Research Report we recently completed. It’s called Big Pharma Failure Creates Massive Investment Opportunity, and it reveals seven reasons why this unique company could be a big winner for your portfolio.
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We’re encouraging our Rebel Investors Club members to consider jumping on this opportunity with this company now… and it’s an opportunity you’d be well served to consider too.
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Sincerely,
Jon and Pete Najarian, Editors Rebel Investors Club
IMPORTANT NOTICE AND DISCLAIMER: All investments are subject to risk, which must be considered on an individual basis before making any investment decision. This paid advertisement includes a stock profile of Helus Pharma (NASDAQ: HELP). Rebel Investors Club is an investment newsletter being advertised herein. This paid advertisement is intended solely for information and educational purposes and is not to be construed under any circumstances as an offer to sell or a solicitation of an offer to purchase any securities. In an effort to enhance public awareness, Helus Pharma (NASDAQ: HELP) provided advertising agencies with a total budget of approximately $2,914,712 and is the sole source of funds to cover the costs associated with creating, printing and distribution of this advertisement. From that total budget, Moneta Advisory Partners, an affiliate of Rebel Investors Club was paid $500,000 as a research fee and for the production and placement of additional advertising media for this campaign. The advertising agencies will retain any excess sums after all expenses are paid. Rebel Investors Club may receive subscription revenue in the future from new subscribers as a result of this advertisement for its newsletter.
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The war in Iran has already sent multiple shockwaves through the markets. Gas prices have soared, tankers are on fire in the Strait of Hormuz, and crude oil futures are trading like 2021 meme stocks. With the resumption of normal shipping patterns at least a few weeks away, the disruption will continue to snake its way through market indices, even in energy-independent markets like the United States. When geopolitical pressure enters the picture, investors often take risk off the table and search for stable stocks that offer yield and minimal volatility.
However, because of the Middle East’s significant influence on global markets, it’s important not only to seek steady dividends but also to invest in companies that are resilient to disruption from the Iran war specifically. The two stocks discussed below were chosen because they offer strong dividends and operate primarily within the United States, minimizing exposure to Middle East risks. These qualities make them suitable for risk-averse portfolios if the conflict continues.
2 Stocks With Strong Dividends and Minimal Middle East Exposure
When seeking safe havens amid geopolitical headwinds, investors focus on sectors with predictable income and limited international exposure. In the current climate, this means selecting companies with revenue sources largely independent of the Middle East. Telecom and utilities stand out, as they offer steady revenue, healthy dividends, and operations that minimize the risk of Middle East disruptions.
Verizon Communications: Growth Finally Returns to the Telecom Dividend Fortress
A growth story from Verizon Communications Inc. (NYSE: VZ)? Believe it or not, the telecom giant is in the middle of a turnaround that’s surprising even the most optimistic analysts.
In Q4 2025, the company reported 616,000 quarterly postpaid phone net adds (best since 2019) and more than 370,000 broadband subscribers, and the Frontier acquisition added another 16 million wireless and broadband connections to the Verizon network.
Verizon also reported $20.13 billion in free cash flow for full-year 2025, up from $19.82 billion in 2024.
Only 30% of cash flow is needed to support the dividend, and Verizon has raised payouts for 20 consecutive years. Telecommunications is another sector where low growth and predictable profits add to its appeal during turbulent times.
Verizon’s revenue is 100% U.S.-based and is not affected by shipping disruptions in the Middle East. The only concern for Verizon would be rising energy prices, but this is a relatively small line item in the company’s operating expenses, typically in the single-digit percentage-wise. Despite downtrodden sentiment, U.S. consumers remain well-positioned to keep paying their cable and phone bills, as let’s face it—the last thing Americans want to cut is their access to the internet.
Can you spot on the chart where the earnings news dropped? VZ shares soared 11% following their Q4 report, then tacked on another 12% in the following three weeks. The massive surge created a Golden Cross on the 50- and 200-day moving averages, but also sent the Relative Strength Index (RSI) deep into overbought territory. Now that the parabolic momentum has faded, shares are consolidating around the $50 level while the RSI recedes back into a healthy range. Verizon’s Q4 earnings changed the stock’s outlook, and there’s now an opportunity for upside with the steady dividend income.
American Electric Power: Strong Earnings Growth Provides Upside Potential With Steady Income
The utility sector is a popular place to invest during geopolitical turmoil, largely thanks to its steady dividend payments and minimal volatility.
The American Electric Power Company (NASDAQ: AEP) is a regionally operated utility based in Ohio, serving 11 states and supplying electricity to residential and business customers. Middle East disruptions are already impacting natural gas prices, but American Electric Power’s diverse supply mix of natural gas, coal, nuclear, and renewables helps offset price shocks in any one commodity.
Regulated utilities also have adjustment clauses that pass through fuel increases to ratepayers, and the company has little exposure to shipping or commodity trading that could impact short-term margins.
The company reported strong Q4 2025results on Feb. 12, with operating EPS of $5.97, beating analysts’ expectations, and Q4 revenue exceeding forecasts. Management’s 2026 EPS guidance points to 7%-9% earnings growth. Investors also benefit from a 2.9% yield and a 57% payout ratio. The firm has raised payouts for 15 straight years, growing dividends at a 5.7% annual rate over five years.
In addition to the value proposition, AEP also boasts one of the best-looking charts a dividend seeker can ask for. The stock is in the middle of a long-term uptrend, which has propelled shares up more than 28% over the last 12 months. With strong support at the 50-day moving average and an RSI back under the Overbought threshold of 70, AEP shares could be consolidating for the next leg up in the trend.
RJ Hamster 