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

He warned

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About a year ago, a veteran Wall Street analyst made a bold call.

Not just that the market would struggle in 2026…
but when the turning point could happen.

Marc Chaikin pointed to mid-March 2026 as the window where stocks could peak before a meaningful correction.

Now we’re just days away from that date.

At the same time, we’re seeing unusual volatility… rising oil prices… weakening job numbers… and cracks forming beneath the surface of the market.

Even some of the biggest tech names investors rely on are already sliding.

Is this prediction starting to play out in real time?

In this interview, he explains why the second year of the presidential cycle often triggers market turbulence—and the 3 steps investors can take right now to protect their portfolios.

Watch the video here.

It’s a calm, data-driven perspective on what could be coming next.

You may want to see it.

Bridget Bennett
MarketBeat

P.S. If you want to see how Marc Chaikin identifies which stocks look strong and which ones investors may want to avoid, you can check out his Power Gauge system by clicking here.

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From Darwin: Market volatility hasn’t disappeared — but investor behavior has changed. Instead of chasing broad rallies, capital is increasingly flowing toward areas showing clear demand, real-world adoption, and long-term relevance. Artificial intelligence continues to stand out on all three fronts. Across earnings calls and corporate spending plans, AI investment is no longer theoretical. It’s being deployed, measured, and expanded — even as other sectors lose momentum. That shift is creating selective opportunities for investors paying attention.

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You are invited to the Troy-Hayner Cultural Center’s Golden Jubilee Ball

Dear Friends,

Many of you know that this year marks the 50th Anniversary of the Troy-Hayner Cultural Center. Over the years, the Hayner Center has been a place where our community gathers to enjoy music, art, classes, and special events.

To celebrate this milestone, we will be hosting a 50th Anniversary Golden Jubilee Ball, and I hope you will join us for the celebration.

It will be a wonderful evening to gather with friends of the Hayner and celebrate the role this historic home has played in our community over the past five decades.

Seating is limited, so I encourage you to reserve your place soon.

See you there,

– David Wion

Click to see what we have in store

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Can This Stock Keep Its Dividend Streak Alive?

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Can Stanley Black & Decker Keep Its Dividend Streak Alive?

Marc Lichtenfeld, Chief Income Strategist, The Oxford Club

The markets have been volatile lately as war rages in the Middle East and oil prices remain elevated (even surging past $100 earlier this week). Mag 7 and software stocks have gotten pounded.

It’s enough to make some investors nostalgic for just owning quality companies that pay dividends every year.

Surely you know Stanley Black & Decker(NYSE: SWK). You probably own some of its tools. Your father and grandfather probably did as well – and maybe even several generations further back. The company has been around since 1843.

The stock sports an attractive 4.5% yield, and the company has an impressive 58-year track record of raising its dividend. It is a member of the prestigious Dividend Aristocrats.

With everything going on in the world, can this nearly 200-year-old company keep up with the times and ensure its dividends are as reliable as its tools?

First, the bad news: Free cash flow slipped last year. Safety Net penalizes a company for lower cash flow (both actual and expected) over one- and three-year periods.

In 2025, free cash flow dropped from $753 million to $688 million. This year, free cash flow is forecast to grow to $817 million, but that would still be below 2023’s total of $853 million. Free cash flow is expected to continue to grow in 2027 and 2028.View larger image

The good news is that despite the lower figure last year, free cash flow still covered the dividend.

Stanley Black & Decker paid shareholders $501 million in dividends in 2025, which was 73% of its free cash flow. Anything below 75% is within my comfort zone. This year, the payout ratio is projected to fall to 62%, which gives dividend investors even more of a cushion.

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