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
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Volatility reigns… The week Greg Diamond says stocks will top… The latest about Iran and oil… Rushing for the exits in private equity… The next credit crisis may be starting… An opportunity, eventually…
First up today, in case you missed it…
This morning, Ten Stock Trader editor Greg Diamond went live in his 2026 Market Crash Summit. In this event, Greg revealed what could be the best way to take advantage of the extreme volatility we’re seeing in the market right now…
“The future is but a repetition of the past,” Greg said. He was quoting the man who, 118 years ago, developed a controversial trading strategy that has proved prescient and profitable time and time again.
Greg laid out the evidence for this strategy – one he has used with subscribers for years now. Viewers also heard why Greg believes history is again repeating itself right now… and not in a good kind of way. Well, at least not good for the unprepared…
The volatility we’re seeing from the war in Iran? Greg says it’s just the beginning of a wild period for stocks… He shared the exact week in the months ahead that he says the market will “top.”
But the good news? Greg also revealed a little-known way to leverage big market moves in stocks, oil, gold, and silver… He also shared his favorite trade for what lies ahead, one that he has traded before with a 100% win rate and an average gain of around 50%.
Oil-driven volatility continued today as the market reacted to reports from the Middle East.
First comes some “less bad” news for oil prices, in the short term at least. Representatives from the Group of Seven (“G7”) nations met for a second straight day. And while they again decided not to tap global strategic oil reserves, they did move the ball forward somewhat…
The G7, which includes the U.S., kicked the issue over to the International Energy Agency (“IEA”). The IEA is an energy-policy association of 31 nations that account for about 75% of global oil demand. The G7 asked it to assess the situation and needs, and the IEA members were to meet later in the day.
If they did, no word came out of the meetings before the markets closed for the day…
Either the G7 countries really want more information before acting, or the IEA is working out details, or everyone is waiting to see if using oil reserves will be necessary… or all of it.
It’s hard to know for sure, but signs point to global oil reserves helping stabilize supply and prices. At least the market is anticipating just that… or that the war actually may be close to finished, as President Donald Trump said was the case yesterday.
As we go to press, oil prices have fallen roughly 8% in the past 24 hours, with West Texas Intermediate (“WTI”) trading around $87 per barrel and Brent crude, the international benchmark, around $91.
And energy stocks, which we alerted you yesterday could be due for a drawdown given extremely “overbought” conditions, were down more than 1%, the most of any major S&P 500 Index sector, and the U.S. benchmark index finished slightly lower on the day.
Folks still want their money out of private equity and credit…
We first covered this story in the February 19 Digest, when private-equity company Blue Owl Capital (OWL) was “permanently halting redemptions” from one of its private-credit funds. As we wrote at the time…
“Permanently halting redemptions” is code for not getting your cash back. And the “you” in this case is retail investors who hopped aboard the private-equity investing buzz via Blue Owl’s first private retail debt fund that launched in September 2025.
That trend has not gone away in the past few weeks. BlackRock (BLK), the world’s largest asset manager, similarly limited redemptions from its HPS Corporate Lending Fund after too many investors asked for their money back. The redemption requests came to 9% of shares.
BlackRock limited the redemptions to 5%, barely half that requested volume. And Blue Owl and now BlackRock are just two examples.
This jump in redemption requests shows a lot of fear in private credit and private equity right now.
What this means for the broader credit market…
The concerns about private credit are starting to trickle into the broader credit market.
High-yield credit spreads, the difference between the average yield on high-yield bonds and the yield of similar-duration “risk free” U.S. Treasurys, have risen steadily off their lows in January.
Remember, low spreads indicate complacency from investors. It means they see corporate bonds as so safe, they’ll own them with yields that are only slightly better than a risk-free Treasury bond. Today, at a level of 319 basis points, high-yield credit spreads hit a four-month high.
These spreads are still low historically, but they’re trending higher.
And the rush for the exits in private credit could soon flow over into the high-yield bond market. We checked in with our colleague and Stansberry’s Credit Opportunities editor Mike DiBiase this morning, and he wrote in a private note…
These private credit loans are considered risky loans. The entire high-yield credit market is based on confidence. Because private credit is so illiquid, when that confidence starts to evaporate, the entire foundation can collapse fast.
The high-yield spread is still below the 550-basis-point level that Mike believes will trigger a credit crisis. But based on the recent move in credit spreads, credit investors are starting to wake up to the deeper risks in the markets.
And the more pressure investors put on these private-credit funds, the more fear will trickle into the broader credit market.
At some point, credit markets will reach their breaking point. We’re not there – yet. But this is something we’ve got our eye on to be the catalyst for the next market leg lower.
The better news? There is opportunity ‘on the other side’…
As redemption requests surge, private-credit firms will either have to try and sell their illiquid assets or limit the withdrawals from investors. For now, they’ve done the latter. But the concerns are creating opportunities for folks with capital to put to work.
Last week, Saba Capital launched a tender offer (together with Cox Capital Partners) to buy about 7% of Blue Owl’s OBDC II fund. But folks who want out won’t get their full money back… Saba’s offer represented a 35% discount to the value of the shares.
Here’s how Saba described the redemption issues in the press release…
OBDC II shareholders face increased liquidity risk, as evidenced by the fund’s terminated merger, which could have forced investors to take losses of approximately 20% and would have restricted shareholders from redeeming until the deal closed.
Essentially, Weinstein and Saba Capital are offering investors an “out” in a classic contrarian trade. Plenty of folks are asking for their money back out of these private-credit funds.
Saba will give them the exit they’re looking for. And it’s buying up stakes in the funds that will last beyond the noise. As Weinstein said in an interview with CNBC’s Inside Alts this week…
We’re long the stocks of these companies on the idea that, in case this is overdone, these are the guys that are going to be the winners at the end, when the smoke clears and their stocks may represent good value.
Similarly, as Mike DiBiase wrote back in an October special report for Credit Opportunities subscribers, he has been expecting a “fire sale” in the bond market. As pressure builds in the credit market, big investors can be forced to sell assets, too.
“[Corporate bond] prices can fall fast and hard,” Mike wrote.
When this happens, many investors will unload good investments just to get out of the sector. That can lead to solid assets trading at “bargain-bin prices.”
These are exactly the kind of investments Mike and his analyst Bill McGilton will be recommending to Credit Opportunitiessubscribers when the next credit crisis reaches a fever pitch. When everyone else is panicking, they’ll be alerting subscribers to buy.
In the meantime, we’ll keep tracking the private-equity story and watch for signs of growing weakness in the credit market.
He called the 2020 COVID-19 crash… the 2022 tech crash… and the 2023 bank crisis – all in advance. Today – Tuesday, March 10 – former multibillion-dollar hedge-fund trader Greg Diamond is going public with the EXACT WEEK he believes the market will peak – before it plummets dramatically. Watch now (time-sensitive market update).
After analyzing more than 3,000 stocks and a staggering 40,169 data points… there’s a No. 1 stock that the team at our corporate affiliate Altimetry recommends buying today. In fact, according to their research, they believe this is one stock that Warren Buffett himself would buy today if he could. Find out why.
New 52-week highs (as of 3/9/26): BP (BP), Century Aluminum (CENX), Chord Energy (CHRD), EOG Resources (EOG), EQT (EQT), Starbucks (SBUX), and Texas Pacific Land (TPL).
Corey McLaughlin and Nick Koziol Baltimore, Maryland March 10, 2026
Stansberry Research Top 10 Open Recommendations
Top 10 highest-returning open stock positions across all Stansberry Research portfolios. Returns represent the total return from the initial recommendation.InvestmentBuy DateReturnPublicationMSFT Microsoft11/11/101,364.1%Retirement MillionaireMSFT Microsoft02/10/121,321.6%Stansberry’s Investment AdvisoryADP Automatic Data Processing10/09/08850.0%Extreme ValueBRK.B Berkshire Hathaway04/01/09787.3%Retirement MillionaireSII Sprott01/11/18763.4%Extreme ValueGOOGL Alphabet12/15/16655.5%Retirement MillionaireWRB W.R. Berkley03/15/12634.3%Stansberry’s Investment AdvisoryALS-T Altius Minerals03/26/09585.0%Extreme ValueCIEN Ciena10/20/22584.5%Stansberry Innovations ReportHSY Hershey12/07/07574.4%Stansberry’s Investment Advisory
Please note: Securities appearing in the Top 10 are not necessarily recommended buys at current prices. The list reflects the best-performing positions currently in the model portfolio of any Stansberry Research publication. The buy date reflects when the editor recommended the investment in the listed publication, and the return shows its performance since that date. To learn if a security is still a recommended buy today, you must be a subscriber to that publication and refer to the most recent portfolio.
Top 10 Totals3Extreme ValueFerris3Retirement MillionaireDoc3Stansberry’s Investment AdvisoryPorter1Stansberry Innovations ReportEngel
Top 5 Crypto Capital Open Recommendations
Top 5 highest-returning open positions in the Crypto Capitalmodel portfolioInvestmentBuy DateReturnPublicationBTC/USD Bitcoin11/27/181,721.5%Crypto CapitalWSTETH/USD Wrapped Staked Ethereum12/07/181,670.2%Crypto CapitalONE/USD Harmony12/16/191,010.5%Crypto CapitalPOL/USD Polygon02/26/21642.1%Crypto CapitalQRL/USD Quantum Resistant Ledger01/19/21544.9%Crypto Capital
Please note: Securities appearing in the Top 5 are not necessarily recommended buys at current prices. The list reflects the best-performing positions currently in the Crypto Capital model portfolio. The buy date reflects when the recommendation was made, and the return shows its performance since that date. To learn if it’s still a recommended buy today, you must be a subscriber and refer to the most recent portfolio.
^ These gains occurred with a partial position in the respective stocks. * Editor Dave Lashmet closed the first leg of this Nvidia position in November 2016 for a gain of about 108%. Then, he closed the second leg in July 2020 for a 777% return. And finally, in May 2022, he booked a 1,466% return on the final leg. Subscribers who followed his advice on Nvidia could’ve recorded a total weighted average gain of more than 600%.
Stansberry Research Crypto Hall of Fame
Top 5 highest-returning closed positions in the Crypto Capitalmodel portfolioInvestmentDurationGainAnalystBand Protocol (BAND)0.31 years1,169%Crypto CapitalTerra (LUNA)0.41 years1,166%Crypto CapitalPolymesh (POLYX)3.84 years1,157%Crypto CapitalFrontier (FRONT)0.09 years979%Crypto CapitalBinance Coin (BNB)1.78 years963%Crypto Capital
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Any brokers mentioned constitute a partial list of available brokers and is for your information only. Stansberry Research does not recommend or endorse any brokers, dealers, or investment advisors.
Stansberry Research forbids its writers from having a financial interest in any security they recommend to our subscribers. All employees of Stansberry Research (and affiliated companies) must wait 24 hours after an investment recommendation is published online – or 72 hours after a direct mail publication is sent – before acting on that recommendation.
This work is based on SEC filings, current events, interviews, corporate press releases, and what we’ve learned as financial journalists. It may contain errors, and you shouldn’t make any investment decision based solely on what you read here. It’s your money and your responsibility.
RJ Hamster 