RJ Hamster
RJ Hamster
RJ Hamster
RJ Hamster
Your Night Prayer
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Today’s Night Prayer is brought to you by Catholic Company
A Night Prayer
Jesus Christ, my God, I adore You and thank You for all the graces You have given me this day. I offer You my sleep and all the moments of this night. I place myself and all my loved ones, wherever they may be, in Your sacred side and under the mantle of Our Blessed Mother. Let Your holy angels stand watch and keep us in peace. Amen.
Quote of the Day
“Receive, my beloved son, this scapular of thy Order; it is a special sign of my favor which I have obtained for thee and thy children of Mt. Carmel. He who dies clothed with this habit shall be preserved from eternal fire. It is the badge of salvation, a shield in time of danger and a pledge of special peace and protection.” -Our Lady to St. Simon Stock
Today’s Meditation
“Let’s each of us do what God asks in this. I know it isn’t easy. Faithfulness to prayer requires a lot of effort, but it is worthwhile. To be faithful to prayer, you need to establish a rhythm, since our lives are made up of rhythms and we need good habits, including established times when we pray, and that’s all there is to it. No questioning it: this is a firm decision we’ve made. It requires a struggle at the start, but afterwards it brings us joy.” —Jacques Philippe, p. 78
An excerpt from The Way of Trust and Love
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Examination of Conscience
The daily examination of conscience is an ancient Catholic practice. It’s very simple, and it’s designed to help us identify our sins and weaknesses so that we can improve and grow stronger in the spiritual life, while providing an excellent ongoing preparation for regular Confession. It consists of taking a few minutes at the end of the day to prayerfully review our actions in the light of God’s commandments, followed by the Act of Contrition.
Reflect on the victories and losses
Actively reflecting on the high and low points of the day can help you live more intentionally and bring a renewed sense of resolve into the following day.
- Review your actions, words, and thoughts today. Did you actively guard yourself against temptation? Where did sin creep in?
- In what moments did you practice virtue and moral courage?
- Were you attuned to the Holy Spirit’s promptings today? Where did you feel His inspiration?
- Ask Him for the graces necessary to follow His Will more purposefully tomorrow.
Act of Contrition
O my God, I am heartily sorry for having offended Thee, and I detest all my sins because of Thy just punishments, but most of all because they offend Thee, my God, Who art all good and deserving of all my love. I firmly resolve with the help of Thy grace to sin no more and to avoid the near occasions of sin. Amen.
Practice gratitude
It is God’s love that has brought you into existence and to this exact moment. Practice looking for His hand in your day.
- Where did you feel His loving gaze upon you today?
- What people or moments helped you see God in your life?
- Thank God for all these moments!
- Ask Him to help you recognize His blessings and providence tomorrow.
Renew your commitment to Christ
Remember: our Faith is founded upon a Person—Christ! Renew your personal love and devotion to Him.
- Thank God for the gift of His Son Jesus and our call to be His disciples.
- Tell the Lord of your desire to know Christ more personally.
- If possible, set an intention for your day tomorrow. Ask Our Lord to guide you in this act.
- Pray a Hail Mary, Our Father, or another beloved prayer.
Rest with God
Praise Him, sun and moon, praise Him, all you shining stars! — Psalm 148:3
Compline
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RJ Hamster
Jimmy Stewart: What Compelled Him to Leave Hollywood
May 16, 2026 Jimmy Stewart: What Compelled Him to Leave Hollywood BY JEFF MINICK
In October 1940, having received his draft notice, Jimmy Stewart decided to leave the glitter of Hollywood behind and enlist in the Army. After being declared underweight, which would have exempted him from service, the actor passed a second weigh-in and entered the Army months before the attack on Pearl Harbor.
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RJ Hamster
Report: CIA Raided By CIA | Babylon Bee
LANGLEY, VA — Rumors swirled throughout the international intelligence community this week after reports surfaced that agents from the Central Intelligence Agency had carried out a surprise raid of the Central Intelligence Agency.
— Read on babylonbee.com/news/report-cia-raided-by-cia
RJ Hamster
Follow the money
Welcome to Insider Trades Daily, glad you’re here!
Every day, more than 500,000 investors use this newsletter to track insider buying and selling across major public companies. It’s a simple way to see what the people closest to the business are doing with their own money.
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Exclusive Article from MarketBeat Media
Capital One’s Big Bet Faces Rising Credit Risk
Author: Peter Frank. Posted: 5/6/2026.
Key Points
- Capital One’s Discover acquisition could reshape its payments business, but integration risks and credit losses remain major concerns.
- Rising loan-loss provisions and charge-offs are pressuring earnings despite strong revenue growth from the Discover deal.
- Analysts still see upside potential, but investors face uncertainty around execution, consumer credit quality, and fintech expansion.
- Special Report: Elon Musk already made me a “wealthy man”
It’s complicated, but just you wait. That’s the message from Capital One (NYSE: COF)following its first-quarter results as the company undertakes a significant reshaping of its business.
For many investors, that hasn’t been a convincing argument. The lender’s stock has fallen more than one-third since early January. But analysts expect the shares to rebound. Investors trying to determine whether the recent selloff is a red flag or a buying opportunity need to dig through the numbers carefully.
Capital One’s Road to Payments Giant
[Watch] FREE STOCK PICK for Elon Musk’s Starlink SuperIPO (Ad)
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Capital One is arguably one of the most closely watched bets in American banking. When the company completed its takeover of Discover in May 2025, it acquired more than a credit card company. It also gained its own payments network.
Instead of running its cards on the Visa (NYSE: V) or Mastercard (NYSE: MA) platforms, which charge merchants interchange fees, Capital One can route transactions on its own rails, potentially saving billions over time.
The combined company now ranks solidly among the top four payment networks in purchase volume, alongside Visa, Mastercard, and American Express (NYSE: AXP).
From the deal, management has promised more than $2.5 billion in annual synergies, including $1.5 billion from cost savings and $1.2 billion from network efficiencies.
Much of that may not show up until 2027, after the planned technology merger and customer migration.
That’s the plan, but the first-quarter results told a more complicated story.
Earnings Missed Expectations
For the first quarter, Capital One reported adjusted earnings of $4.42 per share, missing analyst expectations of $4.61 per share. Revenue surged 52.3% year over year to $15.23 billion, thanks in large part to the contribution from Discover. But even that fell short of Wall Street forecasts.
The number that drew much of the attention, though, was net interest margin, which fell to 7.87%, down 39 basis points from the prior quarter. That measure of the difference between what a bank earns on its loans and what it pays on deposits disappointed again.
For its part, the company blamed fewer calendar days in the first quarter compared with the last three months of 2025 and the seasonal impact of customers paying down debt after the holidays. But strong retail deposit growth and the impact of the company’s sale of the Discover Home Loans portfolio also played a role.
There was some good news. Earnings before the bank set aside reserves for potentially troubled loans rose 8% quarter over quarter to $6.8 billion. And signs that integration is progressing helped non-interest expenses fall 9% to $8.5 billion, while marketing spend dropped 23%.
Credit Losses Keep Climbing
Still, other trends were troubling. Capital One’s provision for possible credit losses surged 72% YOY to $4.07 billion—again coming in higher than analyst estimates. Overall, net charge-offs reached $3.8 billion for the quarter, up 41% YOY.
This is not the direction investors wanted to see. Capital One’s core business is consumer credit cards, and its customers have historically skewed toward subprime and near-prime borrowers. Even with Discover’s more affluent consumer profile, stressed household budgets, elevated inflation, and higher interest rates could keep Capital One’s loan losses eating into earnings.
In fact, management’s decision to build reserves by an additional $230 million, most notably in auto and consumer banking, could point to tougher conditions ahead.
Capital Levels Provide Some Protection
The company does have room to cushion surprises. Capital One’s Tier 1 capital ratio stands at a healthy 14.4% and is in line with many in the financial sector. And while the dividend yields just 1.7% annually on a payout of $3.20 per share, the board approved a $16 billion buyback plan near the end of last year.
The bank’s efficiency ratio, which measures how much it spends to generate each dollar of revenue, stood at 55.57%. That’s not bad for retail banks with large branch networks, but it is above the sub-50% levels enjoyed by many digital-first banks. Still, the level trended down from the previous quarter and the year-over-year comparison, and the gap suggests some redundancies remain. The migration of Discover’s credit card customers onto Capital One’s technology platforms, if completed as planned, could provide some relief for these numbers.
The Discover Deal Must Deliver
The central question remains whether the Discover acquisition will deliver on its promises. The strategic logic of the deal is clear. Owning a payment network may help expand the combined brands’ merchant acceptance globally, which remains a lingering weak point, and could unlock substantial revenue.
But the integrations and cost savings need to arrive. That becomes even more interesting after Capital One also picked up another business in April, when the lender closed a $5 billion deal for Brex.
That additional strategic pivot moved the company even further beyond its traditional consumer business. Brex, a fintech platform that provides business payments and spend management services, gives Capital One an AI framework designed to automate accounting workflows. Beyond consumers, the purchase is a potentially useful fit for a lender focused on small businesses.
Analysts Still Expect Upside
With all the numbers and news to digest, analysts remain broadly bullish on the company, though some lowered their targetsafter the first-quarter results.
As of now, the consensus rating on the stock is Moderate Buy, with an average price target of $258.14, implying roughly one-third upside from current levels near $190. Price targets for 12 months range from $215 at the more cautious end to $310 at the most optimistic.
An agreement to pay $425 million to settle a class action suit alleging that Capital One had practiced deceptive marketing tactics also knocked the stock price in late April.
Investors Face a High-Risk Bet
For investors, there’s obviously still much to consider. Capital One is a high-conviction bet wrapped in genuine near-term uncertainty. For investors with a two-year time horizon and a stomach for volatility, the current price near $190 may prove to be an attractive entry point.
The 30%+ decline from a recent peak may have already priced in a meaningful amount of bad news. If credit quality stabilizes and integration milestones are met, the stock has clear room to recover toward analyst targets.
But the risks remain. The company’s 1.7% dividend yield is unremarkable for income investors. And credit losses are still rising, while questions over two integrations remain. If you enjoy the uncertainty of predictions markets, this stock may be for you.
Thank you for subscribing to Insider Trades Daily, which covers the most recent insider buying and selling activity from Wall Street CEO’s, CFO’s, COO’s and other insiders.
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© 2006-2026 MarketBeat Media, LLC. All rights protected.
345 N Reid Pl., Suite 620, Sioux Falls, SD 57103-7078. United States..
RJ Hamster
Follow the money
Welcome to Insider Trades Daily, glad you’re here!
Every day, more than 500,000 investors use this newsletter to track insider buying and selling across major public companies. It’s a simple way to see what the people closest to the business are doing with their own money.
Before we start sending your daily updates, there’s just one quick thing left to do. Please confirm your subscription using the link below.
Click Here to Confirm Your Subscription to Insider Trades Daily
It takes a few seconds and helps make sure your newsletter shows up where it belongs, your inbox, not a spam folder.
Once you’re confirmed, we’ll take it from there and deliver clear, no-nonsense insider trading insights straight to you.
START RECEIVING INSIDER INFORMATION
The InsiderTrades.com Team
P.S. If there’s anything we can do to improve your experience, please let us know by replying to this email.
Exclusive Article from MarketBeat Media
Capital One’s Big Bet Faces Rising Credit Risk
Author: Peter Frank. Posted: 5/6/2026.
Key Points
- Capital One’s Discover acquisition could reshape its payments business, but integration risks and credit losses remain major concerns.
- Rising loan-loss provisions and charge-offs are pressuring earnings despite strong revenue growth from the Discover deal.
- Analysts still see upside potential, but investors face uncertainty around execution, consumer credit quality, and fintech expansion.
- Special Report: Elon Musk already made me a “wealthy man”
It’s complicated, but just you wait. That’s the message from Capital One (NYSE: COF)following its first-quarter results as the company undertakes a significant reshaping of its business.
For many investors, that hasn’t been a convincing argument. The lender’s stock has fallen more than one-third since early January. But analysts expect the shares to rebound. Investors trying to determine whether the recent selloff is a red flag or a buying opportunity need to dig through the numbers carefully.
Capital One’s Road to Payments Giant
[Watch] FREE STOCK PICK for Elon Musk’s Starlink SuperIPO (Ad)
A little-known stock pick with money-doubling potential over the next year is revealed for free in the first three minutes of a new video. This company is a critical piece of Elon Musk’s fast-growing Starlink technology. It could climb 100 percent or more over the next year as Elon brings Starlink public in what may be the biggest IPO in history. No credit card is required to get the ticker.Watch the free video to get the ticker today.
Capital One is arguably one of the most closely watched bets in American banking. When the company completed its takeover of Discover in May 2025, it acquired more than a credit card company. It also gained its own payments network.
Instead of running its cards on the Visa (NYSE: V) or Mastercard (NYSE: MA) platforms, which charge merchants interchange fees, Capital One can route transactions on its own rails, potentially saving billions over time.
The combined company now ranks solidly among the top four payment networks in purchase volume, alongside Visa, Mastercard, and American Express (NYSE: AXP).
From the deal, management has promised more than $2.5 billion in annual synergies, including $1.5 billion from cost savings and $1.2 billion from network efficiencies.
Much of that may not show up until 2027, after the planned technology merger and customer migration.
That’s the plan, but the first-quarter results told a more complicated story.
Earnings Missed Expectations
For the first quarter, Capital One reported adjusted earnings of $4.42 per share, missing analyst expectations of $4.61 per share. Revenue surged 52.3% year over year to $15.23 billion, thanks in large part to the contribution from Discover. But even that fell short of Wall Street forecasts.
The number that drew much of the attention, though, was net interest margin, which fell to 7.87%, down 39 basis points from the prior quarter. That measure of the difference between what a bank earns on its loans and what it pays on deposits disappointed again.
For its part, the company blamed fewer calendar days in the first quarter compared with the last three months of 2025 and the seasonal impact of customers paying down debt after the holidays. But strong retail deposit growth and the impact of the company’s sale of the Discover Home Loans portfolio also played a role.
There was some good news. Earnings before the bank set aside reserves for potentially troubled loans rose 8% quarter over quarter to $6.8 billion. And signs that integration is progressing helped non-interest expenses fall 9% to $8.5 billion, while marketing spend dropped 23%.
Credit Losses Keep Climbing
Still, other trends were troubling. Capital One’s provision for possible credit losses surged 72% YOY to $4.07 billion—again coming in higher than analyst estimates. Overall, net charge-offs reached $3.8 billion for the quarter, up 41% YOY.
This is not the direction investors wanted to see. Capital One’s core business is consumer credit cards, and its customers have historically skewed toward subprime and near-prime borrowers. Even with Discover’s more affluent consumer profile, stressed household budgets, elevated inflation, and higher interest rates could keep Capital One’s loan losses eating into earnings.
In fact, management’s decision to build reserves by an additional $230 million, most notably in auto and consumer banking, could point to tougher conditions ahead.
Capital Levels Provide Some Protection
The company does have room to cushion surprises. Capital One’s Tier 1 capital ratio stands at a healthy 14.4% and is in line with many in the financial sector. And while the dividend yields just 1.7% annually on a payout of $3.20 per share, the board approved a $16 billion buyback plan near the end of last year.
The bank’s efficiency ratio, which measures how much it spends to generate each dollar of revenue, stood at 55.57%. That’s not bad for retail banks with large branch networks, but it is above the sub-50% levels enjoyed by many digital-first banks. Still, the level trended down from the previous quarter and the year-over-year comparison, and the gap suggests some redundancies remain. The migration of Discover’s credit card customers onto Capital One’s technology platforms, if completed as planned, could provide some relief for these numbers.
The Discover Deal Must Deliver
The central question remains whether the Discover acquisition will deliver on its promises. The strategic logic of the deal is clear. Owning a payment network may help expand the combined brands’ merchant acceptance globally, which remains a lingering weak point, and could unlock substantial revenue.
But the integrations and cost savings need to arrive. That becomes even more interesting after Capital One also picked up another business in April, when the lender closed a $5 billion deal for Brex.
That additional strategic pivot moved the company even further beyond its traditional consumer business. Brex, a fintech platform that provides business payments and spend management services, gives Capital One an AI framework designed to automate accounting workflows. Beyond consumers, the purchase is a potentially useful fit for a lender focused on small businesses.
Analysts Still Expect Upside
With all the numbers and news to digest, analysts remain broadly bullish on the company, though some lowered their targetsafter the first-quarter results.
As of now, the consensus rating on the stock is Moderate Buy, with an average price target of $258.14, implying roughly one-third upside from current levels near $190. Price targets for 12 months range from $215 at the more cautious end to $310 at the most optimistic.
An agreement to pay $425 million to settle a class action suit alleging that Capital One had practiced deceptive marketing tactics also knocked the stock price in late April.
Investors Face a High-Risk Bet
For investors, there’s obviously still much to consider. Capital One is a high-conviction bet wrapped in genuine near-term uncertainty. For investors with a two-year time horizon and a stomach for volatility, the current price near $190 may prove to be an attractive entry point.
The 30%+ decline from a recent peak may have already priced in a meaningful amount of bad news. If credit quality stabilizes and integration milestones are met, the stock has clear room to recover toward analyst targets.
But the risks remain. The company’s 1.7% dividend yield is unremarkable for income investors. And credit losses are still rising, while questions over two integrations remain. If you enjoy the uncertainty of predictions markets, this stock may be for you.
Thank you for subscribing to Insider Trades Daily, which covers the most recent insider buying and selling activity from Wall Street CEO’s, CFO’s, COO’s and other insiders.
If you have questions about your newsletter, please contact MarketBeat’s South Dakota based support team at contact@marketbeat.com.
If you no longer wish to receive email from InsiderTrades.com, you can unsubscribe.
© 2006-2026 MarketBeat Media, LLC. All rights protected.
345 N Reid Pl., Suite 620, Sioux Falls, SD 57103-7078. United States..
RJ Hamster
A Little More Peace to Carry You Through
Stories That Inspire
Every day offers a new chance to grow—so explore stories filled with real-life inspiration, practical wisdom, and ideas that fuel your next step forward. Discover uplifting content curated to support your personal growth, and join thousands of readers who visit our site daily for motivation, insight, and a positive boost.
“Stillness is not stagnation. It is the place where clarity gathers and strength is quietly restored.”
We live in a world that rarely tells us we’ve done enough. But you have been working hard — in ways seen and unseen — and your mind and body are allowed to pause. Rest is not falling behind. It is part of the rhythm that keeps you moving forward sustainably. Give yourself full permission today to breathe, to slow down, and to simply be.MORE INSPIRATION
You’re always one blessing away from a brighter day… and a bigger life. May these stories, affirmations, prayers, and insights lift your spirits and inspire you to lift others.
Go forth and be blessed!GET BLESSINGS 🕊️
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RJ Hamster
New Call for Christians to Boldly Stand for Jesus…
New Call for Christians to Boldly Stand for Jesus in Every Corner of American Life
The Forgotten Protestant Foundation of American Freedom
Texas Megachurch Unveils Major Expansion Plans
Supreme Court Blocks Virginia Democrats’ Redistricting Power Grab
The Hidden Path Through Grief That Scripture Reveals
Texas Student Shares Disturbing Truth About Campus Free Speech Under Oath
DeSantis Sounds Alarm on Surveillance State Crossing the Atlantic
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© 2026 FaithFreedomReport.com. All rights reserved.
RJ Hamster
King Charles Pushes Britain Further Toward A Fully Digital…
Breaking News Updates – May 16, 2026
King Charles Pushes Britain Further Toward A Fully Digital Society
Alarm bells rang across both Britain and the United States after King Charles III formally announced the U.K. government’s push toward a national digital ID system as part of its legislative agenda.
Americans Are Getting Behind On Their Debts At A Very Frightening Pace
Spain’s renewed push for a European Union army has reopened one of Brussels’ most persistent–and unresolved–strategic debates: whether Europe can, or should, transform its economic bloc into a unified military power capable of acting independently from both NATO and the United States.
MD If You Have Dark Spots, Do This Immediately
Just Add 1 Drop Of This Household Item To Any Dark Spot and Wait 3 Minutes – Read More
Welcome To Progressive Worship & The Gospel According To Abba
If church simply becomes another concert venue, another social activism hub or another entertainment experience, then why would anyone seek it out for spiritual truth? The early church transformed the world not because it mirrored Roman culture, but because it stood apart from it.
When AI Decides For Itself: The Growing Threat Of Rogue Digital Agents
Last month, a small but deeply unsettling incident sent shockwaves through the tech world after an AI coding assistant reportedly wiped out a company’s production database and backups after deciding — in its own words — to act independently.
Hantavirus: A new pandemic. Same playbook?
Hantavirus? 8 cases on a cruise ship.
The REAL “Second Plandemic?” 1,700 deaths. Every. Single. Day.
One is all over the news. The other is being buried.
This MAHA doctor knows why. >>Watch his warning HERE<<
© 2026 Prophecy News Watch
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