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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Banzai International (NASDAQ: BNZI) Rides the AI Marketing Wave with Triple-Digit Growth, Zacks Buy Rating, and Revolutionary AI Tools That Are Changing How Businesses Acquire and Engage Customers!
Artificial intelligence is reshaping marketing at lightning speed, and Banzai International (BNZI) is leading the charge.
With an integrated platform that powers content creation, webinars, video engagement, marketing automation, SEO, and now AI-generated websites and landing pages, BNZI is delivering practical solutions that drive measurable revenue for over 140,000 customers, including Cisco, Hewlett Packard, and New York Life.
Recent Zacks data confirms the company’s momentum, upgrading BNZI to a Rank #2 (Buy) as analysts raised earnings estimates by more than 50% in just three months.
This growth is fueled by strategic execution, including the acquisition of Superblocks, which adds an AI agent capable of building fully functional, SEO-optimized websites and landing pages from simple natural language instructions.
Coupled with strong gross margins, shrinking net losses, and a growing suite of AI-powered tools, BNZI is not just participating in the AI revolution—it’s capitalizing on it with real results.
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This sell-off flies in the face of everything we’ve heard about how great crypto is. How the government is deregulating it. How everybody in the government is investing in crypto.
Just because you like a stock doesn’t mean there’s a trade. After 40+ years in the markets, Jon Najarian has built an AI system that forecasts entries and exits before big moves happen — using the same math Einstein used to predict motion at extreme speeds.
They all say that stock market success comes down to just ONE metric. Bezos called it the “ultimate financial measure” and Branson says its “the lifeblood of business.”
Yet virtually no investors use it even though academic studies PROVE it’s the best path to stock market success. Discover the secret here.
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TITLEPRICEMARKET CAP24-HOUR VOLUME1-HOUR CHANGE1-DAY CHANGE7-DAY CHANGE Bitcoin (BTC)$70,409.74$1.41 trillion7.41 billion+1.21%-7.23%-19.65% Ethereum (ETH)$2,083.90$251.51 billion52.81 billion-0.69%-7.68%-28.72% Tether (USDT)$1.00$185.40 billion167.32 billion+0.01%-0.02%-0.01% Waifu Token (WAIF)$454.82$126.67 billionN/A+0.45%-2.18%N/A BNB (BNB)$684.30$93.31 billion3.93 billion+0.84%-8.70%-23.34% XRP (XRP)$1.37$83.43 billion6.30 billion-0.05%-13.95%-26.60% Wrapped TRON (WTRX)$0.28$24.42 billion2.44 million+0.31%-2.40%-5.14% Lido Staked ETH (stETH)$2,080.22$19.94 billion111.75 million+0.09%-7.67%-28.81% Dogecoin (DOGE)$0.10$16.69 billion2.10 billion-0.56%-7.70%-18.12% Bitcoin Cash (BCH)$513.81$10.27 billion718.42 million-0.69%-2.91%-10.87%TOTAL+0.09%-6.05%-16.13% VIEW WATCHLIST Buy. Hold. Relax. These 10 Stocks Could Build Your 2030 Wealth (ad)Tired of chasing the market every week? Our new free report reveals 10 U.S. stocks you can confidently buy now and hold long term — handpicked by a veteran investor with over 20 years of experience and backed by deep research into megatrends like AI, EVs, and cloud tech.
FEBRUARY 5 AT 6:36 AM | BITCOINIST VIEW ALL NEWS The biggest scam in the history of gold markets is unwinding (ad)There are 90 paper gold claims for every real ounce in COMEX vaults. Ninety promises, one ounce of metal. It’s like musical chairs with 90 players and one chair. COMEX gold inventory dropped 25 percent last year alone as gold flows East to Shanghai, Mumbai, and Moscow. On March 31st, contract holders can demand delivery. When similar situations arose in the past, markets closed and rules changed. Paper holders got crushed while mining stock holders made fortunes. One stock sits at the center of this crisis.
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Trump’s $200 Billion Revolution Changes Everything AI
With 100X faster processing power… and 90% less energy usage… current AI systems could become obsolete. And three companies control the technology that could make it happen.
Your account is not currently signed up for MarketBeat’s free Monday morning stock ideas. Our team is going to be releasing an important pick on Monday morning (at 11am ET) and we want to make sure that you are able to see it.
CompanyShare PriceAmount / PeriodYieldPrevious AmountPayout RatioPayable DateAAPLApple$274.35$0.26 quarterly0.40%$0.2613.1%2/12/26 AMPAmeriprise Financial$538.10$1.60 quarterly1.23%$1.6017.6%2/27/26 BXBlackstone$127.62$1.49 quarterly4.17%$1.29153.6%2/17/26 CQPCheniere Energy Partners$57.26$0.78 quarterly5.43%$0.7880.7%2/13/26 CWTCalifornia Water Service Group$45.42$0.34 quarterly3.07%$0.3058.5%2/20/26 DLXDeluxe$28.36$0.30 quarterly5.01%$0.3063.8%2/23/26 ETREntergy$97.05$0.64 quarterly2.67%$0.6463.2%3/2/26 GLPGlobal Partners$46.51$0.76 quarterly6.49%$0.76144.5%2/13/26 GWWW.W. Grainger$1,198.27$2.26 quarterly0.85%$2.2625.5%3/1/26 HTOH2O America$53.80$0.44- – 55.9%3/2/26 HXLHexcel$82.46$0.18 quarterly0.90%$0.1749.3%2/17/26 LAZLazard$54.48$0.50 quarterly3.81%$0.5091.7%2/20/26 LPGDorian LPG$29.72$0.70 special9.50%- 44.8%2/24/26 LVSLas Vegas Sands$56.96$0.30 quarterly1.96%$0.2542.7%2/18/26 MPLXMplx$56.22$1.08 quarterly7.66%$1.0889.4%2/17/26 NMMNavios Maritime Partners$59.43$0.05 quarterly0.33%$0.052.3%2/12/26 OHIOmega Healthcare Investors$45.37$0.67 quarterly6.18%$0.67149.7%2/17/26 PZZAPapa John’s International$34.58$0.46 quarterly5.06%$0.46164.3%2/20/26 RBARB Global$114.56$0.31 quarterly1.09%$0.3159.3%3/2/26 WBSWebster Financial$72.14$0.40 quarterly2.48%$0.4027.1%2/19/26 WTRGEssential Utilities$38.22$0.34 quarterly3.50%$0.3456.8%3/2/26 Please note you must purchase shares of these companies by the market close tomorrow to receive the next dividend payment.These 3 Income Stocks Are Gaining Attention Fast (ad)
Markets have been volatile lately, but dependable income opportunities still exist for investors who know where to look. We’re reviewing a small group of high-yield dividend stocks that continue to generate strong cash flow despite shifting conditions. Our latest guide outlines three companies operating in energy, consumer staples, and consumer finance, each producing billions in free cash flow and offering yields above typical market averages. These are established, cash-producing businesses built to reward shareholders through consistent payouts, not speculation. If steady income matters in today’s market, this breakdown is worth a closer look.
CompanyShare PriceAmount / PeriodYieldPrevious AmountPayout RatioPayable DateAEPAmerican Electric Power$120.57$0.95 quarterly3.19%$0.9555.4%3/10/26 ARCBArcBest$108.70$0.12 quarterly0.55%$0.1218.4%2/24/26 AROCArchrock$30.49$0.22 quarterly3.01%$0.2156.0%2/18/26 ASMLASML$1,355.79$1.88 quarterly0.53%$1.8624.6%2/18/26 AWKAmerican Water Works$126.66$0.83 quarterly2.56%$0.8358.2%3/3/26 DLBDolby Laboratories$64.41$0.36 quarterly2.29%$0.3658.1%2/18/26 FBKFB Financial$61.07$0.21 quarterly1.38%$0.1935.0%2/24/26 FIBKFirst Interstate BancSystem$37.81$0.47 quarterly5.13%$0.4763.7%2/20/26 GABCGerman American Bancorp$44.20$0.31 quarterly3.06%$0.2938.3%2/20/26 IBMInternational Business Machines$290.02$1.68 quarterly2.28%$1.6860.3%3/10/26 KMTKennametal$38.20$0.20 quarterly2.33%$0.2065.6%2/24/26 LEVILevi Strauss & Co.$20.20$0.14 quarterly2.73%$0.1438.4%2/25/26 MGYMagnolia Oil & Gas$25.88$0.17 quarterly2.59%$0.1533.5%3/2/26 MWAMueller Water Products$28.21$0.07 quarterly1.04%$0.0723.1%2/20/26 RESRPC$5.41$0.04 quarterly2.52%$0.0469.6%3/10/26 SCCOSouthern Copper$190.10$1.00 quarterly2.17%$0.9075.5%2/27/26 VVisa$332.37$0.67 quarterly0.81%$0.6725.1%3/2/26 Please note you must purchase shares of these companies by the market close tomorrow to receive the next dividend payment.
Dividend Stock Ideas
This is a list of companies that meet common criteria that investors use to evaluate dividend stocks. This list contains companies that have dividend yields greater than 3%, payout ratios of less than 75% (or less than 100% for REITs), five-year average annual dividend growth of at least 1.5% and a minimum market cap of $1 billion.CompanyDividend YieldAnnual PayoutPayout RatioAnnual Dividend GrowthP/E RatioMarket CapTBCGTBC Bank Group PLC6.67%GBX 711.1329.26%5.29%1.80£2.41KKRPKimbell Royalty10.35%$1.40N/A2.06%N/A$1.45KUKWGreencoat UK Wind PLC10.88%GBX 10.09N/A1.86%N/A£2.12KLYBLyondellBasell Industries N.V.9.54%$5.48N/A4.89%N/A$17.36KWUThe Western Union Company9.51%$0.9441.05%3.28%4.28$3.12KBMEB&M European Value Retail S.A.7.42%GBX 1560.73%2.73%7.32£1.82K
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Trump has just signed an executive order creating America’s first-ever National Investment Fund — a game-changing system designed to replace income taxes and send direct payouts to everyday Americans.
More than $1 TRILLION is expected to be distributed… and YOU could be eligible to claim a massive check.
Looking for better stock ideas? Sign-up to receive The Early Bird Stock of the Day. Each day, MarketBeat’s team of expert research analysts identifies one compelling stock and provides both a bull case and a bear case for each company.
In 1999, Sutter Hill Ventures made a bold bet on Nvidia before anyone had heard of it. Now, they’re going all-in on Nvidia’s hush-hush partner that’s powering their new Blackwell chip. Discover the little-known company that’s attracting massive investments from the visionaries behind Nvidia’s 100,000% rise.
Nvidia’s latest AI chip is a $25,000 powerhouse — with 80 billion transistors and the ability to perform 60 trillion calculations per second. Elon Musk and Nvidia’s Jensen Huang are now teaming up to deploy one million of these chips inside what could become the most advanced AI machine on the planet.
But according to James Altucher, the real opportunity isn’t in Tesla or Nvidia. He’s uncovered a little-known company that Musk, Nvidia, and even 98% of the Fortune 500 already rely on to make AI 2.0 possible. Nvidia’s CEO has even called this company “essential” to their expansion.
The Mighty Pups are back in action! Armed with their super-charged powers and paw-sitivity, the PAW Patrol is coming to Arizona Financial Theatre on February 7th & 8th!
Get ready to PAW-ty like never before in a fantastic new PAW Patrol Adventure!After Chase, Marshall, Skye and the gang save Adventure City with their Mighty Pup Powers, it’s time for the paw-some-est street party ever. But when Supervillain Scientist Victoria Vance feels left out of the festivities, she unleashes her latest invention to crash the party and steal the spotlight for herself! Can the Mighty Pups, armed with their super-charged powers, outsmart Victoria to ensure Adventure City’s biggest bash goes off without a hitch? It’ll take the power of paw-sitivity and mighty teamwork to foil her plans and keep the party pumping!
With heroic action, catchy tunes and bark-loads of interactive fun, PAW Patrol’s electrifying new adventure is sure to leave tails wagging and audiences cheering! Don’t miss out! Click here to get your tickets now!
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Whitney Tilson Senior Analyst, Stansberry Research
Published by Stansberry Research.
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MaxDividends T. Rowe Price Group is not a consumer staple. It’s not a utility. And it’s not a bond proxy. It’s a pure-play asset manager — a business whose cash flows are tied directly to markets, investor sentiment, and assets under management. TROW can look incredibly attractive: strong balance sheet long dividend growth history generous payouts But it can also behave very differently from classic “sleep-well-at-night” dividend stocks when markets turn. That’s exactly why it belongs in the Academy. The real question isn’t whether T. Rowe Price is a quality company. The real question is: Does TROW fit a dividend strategy that prioritizes reliability — or is it a cycle-dependent income play that requires precise timing? 👇Join chat
RJ Hamster 