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
For everyone has sinned; we all fall short of God’s glorious standard. Yet God, in his grace, freely makes us right in his sight. He did this through Christ Jesus when he freed us from the penalty for our sins.Read on the Bible App
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Charles Koch (b. 1935) is an influential American businessman and philanthropist who has served as the chairman and CEO of Koch Industries since 1967. After earning multiple engineering degrees from MIT, he took over his father’s mid-sized oil company and transformed it into a massive, diversified global conglomerate—one of the largest privately held companies in the world. Under his leadership, the firm expanded far beyond energy into chemicals, paper products (such as Dixie cups and Quilted Northern), and electronics. He is equally famous for his decades-long support of libertarian and free-market causes, co-founding the Cato Institute and funding a vast network of think tanks and advocacy groups that have profoundly shaped modern American conservative politics.
A specific hallmark of Koch’s career is his development and implementation of Market-Based Management (MBM), a unique holistic philosophy he credits for his company’s 9,000-fold increase in value. MBM applies the principles of a free society—such as individual rights, personal responsibility, and free exchange—to the internal structure of a private corporation. Rather than using traditional top-down hierarchies, the system encourages employees to act as “principled entrepreneurs,” empowering them to challenge their superiors and make decisions based on their demonstrated knowledge rather than their job titles.
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
“Do not become a disciple of one who praises himself, in case you learn pride instead of humility.” -St. Mark the Evangelist
Today’s Meditation
“Isn’t this the promise of the Gospel? St. Paul assures us that because of Christs redemption and the Fathers providential love, all things work for good for those who love God, who are called according to his purpose (Rom 8:28). Look at a crucifix or an image of the crucified Jesus in your imagination. Do you believe that we were healed by his wounds (!Pt 2:24)? None of his suffering is wasted or superfluous: all of it has been necessary for our salvation and healing. Now look at your own suffering and wounds and even your own sins. Can you see how every wound you have ever incurred and every sin you have ever committed, if submitted to God and redeemed, will be worked for your greater good and not just for your good? This grace extends to all the people your life touches directly and indirectly in the present and for generations to come. This confidence allows us to live with great freedom.” —Bob Schuchts, p. 192
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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
Alcoa Rebounds as Aluminum Tightens, But a Q1 Miss Tests the Rally
Written by Jessica Mitacek on April 22, 2026
Key Points
The Iran war has worsened an existing aluminum supply shortage, pushing prices above $3,557 per metric ton to near four-year highs.
Alcoa missed Q1 2026 earnings estimates with EPS of $1.40 versus $1.60 expected, but the selloff may be overdone given strong prior results.
Institutional investors added nearly $4 billion in Alcoa inflows over the past year, and the global aluminum alloy market is projected to reach $406 billion by 2033.
Global aluminum industry leader Alcoa (NYSE: AA) has served as the quintessential example of just how highly cyclical the basic materials sector can be.
So far this year, that cohort of stocks has posted a year-to-date (YTD) gain of around 12%, second-best among the S&P 500’s 11 sectors and trailing only energy.
Alcoa, for its part, has played a major role in that. But that has come after a lengthy recovery from pandemic-era catalysts and a subsequent dramatic fall in share price.
On March 25, 2022, the stock reached its all-time high (ATH) of $91.96 after supply chain issues drove aluminum prices to record prices. From that ATH through its five-year low in April 2025, the stock fell by more than 75%.
But things are once again looking up.
Over the past year, AA has gained more than 185%. And despite a recent earnings disappointment, the stock is poised to challenge its record high as tailwinds align and the aluminum market continues to get tighter.
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Aluminum Shortage Is Driving Price to a 4-Year High
The industrial metal—which has commercial applications in industries ranging from construction and packaging to household electronics and aerospace—is prized for its versatility and corrosion-resistant properties. But despite its ubiquitous demand, aluminum’s recent price action is being fueled by conflict in the Middle East.
An existing global supply shortage has been exacerbated by the Iran war, adversely affecting the automotive, packaging, and construction industries. The region is responsible for 9% of global aluminum supply, and major smelters were damaged during the attacks. As a result, suppliers in the Middle East have seen production plummet. Aluminum Bahrain, for instance, was forced to cut its output by nearly 19%.
At the same time, aluminum inventories at the London Metals Exchange are critically low. This month, stocks have fallen to under 400,000 tonnes, with much of that inventory already earmarked for delivery. Additionally, elevated energy costs—also a result of the conflict—are inhibiting idled capacity in countries outside of the Middle East.
Together, this confluence of catalysts has seen aluminum prices rise above $3,557 per metric ton, which is beginning to rival the metal’s record high from 2022.
Despite Alcoa’s Earnings Miss, Tailwinds Remain in Place
Despite gaining more than 17% over the past month, shares of Alcoa sold off after the company’s Q1 2026 earnings reportrevealed a miss on the top and bottom lines. That drove the stock down by double digits over the past five trading sessions.
Earnings per share (EPS) of $1.40 missed the consensus estimate of $1.60, and revenue of $3.19 billion—more than 5% lower than the year prior—was below analyst estimates of $3.35 billion.
That panic was likely overblown, though. The EPS miss was the company’s first in eight quarters. And while quarterly revenue also missed analyst expectations, just one quarter ago the company reported $6.75 billion in revenue versus forecasts of $3.28 billion, a nearly 106% puside surprise.
The bullish investment thesis remains intact. In his earnings call comments, CEO William Oplinger noted that the Iran war presented an unforeseen headwind. The subsequent blockade of the Strait of Hormuz has been a major accelerator for aluminum prices this year, leading to delivery suspensions and supply chain issues reminiscent of 2022, with aluminum prices now trading around four-year highs.
But Oplinger stressed that Alcoa was able to pivot as necessary, saying that “despite significant disruption in the Middle East, our teams ensured continuity of supply for our operations,” adding that numerous smelting projects are slated for approval in the year ahead.
Additionally, the global aluminum alloy market is forecast to undergo a steady compound annual growth rate of 7.4% from 2026 to 2033, growing from more than $243 billion in 2025 to a projected $406 billion by 2033, according to industry consultancy firm Grand View Research.
And in spite of a more than 18% YTD gain, shares of Alcoa are comparatively cheap. The stock’s forward price-to-earnings ratio suggests that after the earnings disappointment-fueled selloff, shares could be undervalued.
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Wall Street’s Read on Alcoa After Earnings
Of the 12 analysts currently covering AA stock, only five have assigned it a Buy rating.
High-end price targets suggest that the stock could gain more than 30% over the next 12 months, but the consensus price target of around $61 implies more than 7% potential downside.
However, over the past three quarters, institutional ownership has seen outsized buying, resulting in nearly $4 billion in inflows over the past year compared to just over $1 billion in outflows. That buying was particularly pronounced in Q3 and Q4 2025, during which Alcoa recorded institutional inflows of $3.17 billion against just $821 million in outflows.
Reinforcing the buy case is the fact that the company’s financial health has been in the TradeSmith Green Zone for more than seven months. Also, Alcoa’s MarketRank™ shows the stock scoring higher than 72% of companies evaluated by MarketBeat, and ranking 76th out of 173 stocks in the industrials sector. The company’s current short interest of just 2.63% of the float marks a more than 19% decrease from the prior month.
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On Sunday, President Donald Trump said the U.S. will move to block ship traffic tied to Iran in and out of the Strait of Hormuz after Tehran failed to follow through on a pledge to open the waterway. Continue Reading ➔
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radintel Final Opportunity: Lock in $0.91/Share Now radintel
NASDAQ $RADI reserved – Current $0.91 pricing available for a limited time.
Round Closes Soon INVEST NOW << Missed the Al Infrastructure Run? This Is the Next Move. The first Al wave rewarded the builders of compute. The next wave rewards the companies that own the intelligence layer and use it to acquire, integrate, and scale operating businesses faster than any single-product company can. RAD Intel built that layer. In 2021, the company acquired its core Al engine. Since then, valuation has grown 22x from $10M to $220M+ fueled by recurring seven-figure enterprise contracts with Fortune 1000 brands. Now, through its Artificial Intelligence Buyout (AIBO) strategy, RAD is deploying that same foundation across multiple operating businesses, compounding value across revenue streams rather than concentrating it in one vertical. The model is backed by multiple Fidelity funds, selected by the Adobe Design Fund, and supported by early operators from Google, Meta, and Amazon. Shares are available now at $0.91 but a price change is expected before the round closes in the coming weeks. Round Closes Soon INVEST NOW << RAD Intel Has Grown 22x in Four Years $RADI NASDAQ TICKER RESERVED radintel $0.91 +5,400% [+121% CAGR, YOY] $1.00 $RADI NASDAQ TICKER RESERVED $0.91 $0.81 $0.80 $0.55 $0.60 $0.38 $0.40 $0.18 やっつっ JAN 22 ост 23 FEB 22 SEP 241 SEB 25 MAY 25 OCT 25 NOV 25 MAR 26 Why Serious Investors Are Paying Attention: 22x valuation growth From $10M at merger to $225M+, driven by a single, compounding Al platform. $60M+ raised from 15.000+ investors One of the most broadly supported RegA+ rounds in the Al space. Sales contracts doubled in 2025 – 164% YOY revenue growth Backed by enterprise Fortune 1000 clients. AIBO holding company structure One Al foundation deployed across multiple operating businesses, compounding returns while isolating risk. Leadership has $9B+ in M&A experience. Current pricing closes April 30, 2026 This is the final window at $0.91/share. INVEST NOW AT $0.91/SHARE → This is a paid advertisement for RAD Intel made pursuant to Regulation A+ offering and involves risk, including the possible loss of principal. The valuation is set by the Company and there is currently no public market for the Company’s Common Stock. Nasdaq ticker “RADI’ has been reserved by RAD Intel and any potential listing is subject to future regulatory approval and market conditions. Brand references reflect factual platform use, not endorsement. Investor references reflect factual individual or institutional participation and do not imply endorsement or sponsorship by the referenced comnanioePloacoroadthoofforinacireularandrolatodrickeofinuoctradintolni
The 2026 IPO calendar is taking shape ‐ and it’s unusually concentrated.
Instead of a scattershot list of early‐stage hopefuls, the pipeline includes a handful of large private companies, each dominating a different segment of the economy.
At one end of the spectrum sits a global connectivity network. At another, the infrastructure powering enterprise AI. [ad]
There’s a digital finance platform generating margins that resemble software, not banking. And much more. And they all bring unique standout qualities to the table.
With more than 20,000 investors participating and 5,429% reported valuation growth in four years, RAD Intel continues to scale, supported by multiple seven-figure enterprise contracts secured for 2026.
The Company’s AI-driven platform is designed to guide large-scale marketing investment decisions, with growing adoption among Fortune 1000 clients. As the global digital marketing and content ecosystem continues to expand, representing hundreds of billions in annual spend, RAD Intel is emerging as a new challenger focused on improving how that capital is allocated.
Recent expansion includes formalizing its holding company structure to support acquisitions and integration of its AI capabilities, alongside the launch of new operating divisions to meet increasing demand.
NASDAQ ticker reserved: RADI.
Current round is 80% allocated.
Get in at $0.91/share. April 30 is when this pricing ends.
DISCLOSURE: This is a paid advertisement for RAD Intel’s Reg A+ offering and involves risk, including the possible loss of principal. Please read the offering circular and related risks at invest.radintel.ai. Catch This Company Before Wall Street Does
This company is gearing up for a possible Nasdaq listing. But the real opportunity is now – before they hit the big stage.
Their all-natural pesticides have outperformed chemical brands in independent lab tests, providing safer solutions without sacrificing results. Their products are already available through e-commerce giants like Walmart, Amazon, and Kroger, and they plan to expand internationally.
With $6.4M in sales in just four years, they’re getting ready for the next step.
“I’m very happy that I don’t have to give guidance today [for fiscal 2027],” CFO Andre Schulten said on the company’s earnings conference call Friday. “Because what do we know what the world looks like three months from now, with what we know today?”
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It won’t have anything to do with inflation or a government collapse…
What’s actually happening is much more dangerous for you than that.
Right now, the wealthiest people in America — Musk, Zuckerberg, Ellison — are systematically moving their money out of dollars and into a completely different type of currency. One that you’ve likely never been taught about.
It’s not Bitcoin or any other crypto.
But after nearly five decades on Wall Street, I’ve never seen a new trend accelerate this quickly.
As I’ve been telling others: “The wealth transfer already underway will make the Gilded Age look like a warm-up act.”
What exactly is going on? And what does it mean for every dollar you’re currently holding?
I’ve put together an urgent briefing with everything you need to know.
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Market alerts, actionable tips, and timely insights to fuel your investment success.
RJ Hamster 