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
Karim Rahemtulla, co-founder of Monument Traders Alliance, was 17 years old.
In 2026, as we watch the Iranian regime crumble under the weight of its own failures…
$1 can now buy 1.6 million rial.
That’s a 99.99% collapse in purchasing power over 46 years. And it’s driving 90 million Iranians to hoard gold at levels the world has never seen before.
Most investors are watching this from the sidelines and buying gold at all-time highs.
Karim is doing something completely different.
Something that he uses during chaotic markets that he has a 95.2% win rate with. And on April 29 at 2 p.m. ET he’s going to reveal this strategy and the six stocks he’s using it on right now.
This is a free live event. And this is the best setup Karim has seen in 46 years of trading.
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Nothing published by Monument Traders Alliance should be considered personalized investment advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed personalized investment advice. We allow the editors of our publications to recommend securities that they own themselves. However, our policy prohibits editors from exiting a personal trade while the recommendation to subscribers is open. In no circumstance may an editor sell a security before subscribers have a fair opportunity to exit. The length of time an editor must wait after subscribers have been advised to exit a play depends on the type of publication. All other employees and agents must wait 24 hours after publication before trading on a recommendation.
Any investments recommended by Monument Traders Alliance should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company.
Protected by copyright laws of the United States and international treaties. The information found on this website may only be used pursuant to the membership or subscription agreement and any reproduction, copying or redistribution (electronic or otherwise, including on the world wide web), in whole or in part, is strictly prohibited without the express written permission of Monument Traders Alliance, LLC, 14 West Mount Vernon Place, Baltimore, MD 21201.
Editor’s Note:Investing is changing faster than most people realize. Markets react in seconds… patterns form and disappear just as quickly… and traditional methods are becoming outdated.
More and more, the edge favors investors who can identify these patterns early — or, even better, employ systems that can detect them automatically.
That’s why we wanted to share today’s guest essay from TradeSmith CEO Keith Kaplan. In it, he explains how his team is using AI to identify specific “signals” in the market — patterns that have historically led to profitable trades — often before they fully play out.
That’s how Lee Sedol – the world’s greatest Go player – described AI after losing a five-game contest against Google’s AlphaGo AI model in Seoul in March 2016.
Go was invented in China more than 2,500 years ago. Two players place black and white stones on a grid, trying to capture each other’s pieces.
Stones on a Go board (Source: Wikimedia Commons)
It looks easy. But it contains more possible positions than there are atoms in the observable universe. The best players win by feel and intuition rather than brute calculation.
So, Sedol thought he was safe. The game was too creative – too deeply human – for a machine to crack. Before the match, he predicted he’d win every game.
Then came Move 37 in the second game.
Google’s AlphaGo placed a stone in a position no normal player would make – a move so strange that one commentator blurted out, “That’s not a human move.”
He was right.
AlphaGo’s analysis showed that a human player would make that move less than 1 in 10,000 times. But it turned the tide in AlphaGo’s favor, and Sedol lost.
He went on to lose the contest 4–1.
The machine wasn’t smarter. But it could see patterns no human eye could. And that was enough to defeat the world’s best player.
It’s a cautionary tale for investors today. AI models are way better at recognizing patterns now than they were a decade ago. And there’s no domain richer in hidden patterns – or more ruthlessly efficient at rewarding those who spot them and punishing those who miss them – than the stock market.
That’s why my team and I at TradeSmithhave spent the last 12 months building a new application of AI for self-directed investors like you.
It uses the same principles that defeated the world’s greatest Go player to spot patterns that flag the day’s most promising trades – 90 minutes before they happen.
I’ll show you how it works today – and pass on the link where you can watch it in action. First, let me give you some background on TradeSmith and what we’re all about.
Forget chasing data center stocks. The bigger opportunity is in the breakthrough that could make 75% of them unnecessary. This company just released technology that lets AI models do the same amount of work with just ¼ of the hardware — making data centers 4X more efficient. META already struck a $6 billion deal to get it. Apple made a $2.5 billion direct investment in its maker. See the name and ticker — and why Eric Fry calls it a better buy than any Mag 7 stock, including Nvidia.
Modern-Day Prospectors
As TradeSmith’s CEO, I run a team of 65 people, and an annual budget of $8 million, to develop hedge-fund-level analytical systems for self-directed investors.
More than 134,000 people in 86 countries use our software to manage more than $29 billion in assets.
Inside our Research Lab, we’re like modern-day prospectors panning for gold – only we use data and computers, not pans and pickaxes.
We’re constantly testing trading strategies, financial metrics, and data patterns to uncover profitable systems and indicators.
That’s what’s gotten us featured in Forbes, The Wall Street Journal, and The Economist.
Our risk-management software, TradeStops, put us on the map among financial technology firms. It takes the emotions out of investing by showing you the ideal time to sell your stocks.
We’ve also created software that finds hidden seasonality patterns in stocks… spots undervalued options plays… and uses AI to forecast stock moves up to 21 trading days out.
We’re always innovating. But we’ve never gone this deep.
Our new AI-powered system doesn’t look at balance sheets… read earnings reports… or follow news headlines. Instead, it detects tiny anomalies in stocks’ historical data. Then it finds statistical connections between them that a human analyst would never find.
Think of it like a “thumbprint.” Every great trade has one. A unique combination of factors – technical indicators, price patterns, market conditions – that has lined up before.
When those factors align again, our system flags a high-probability setup. Some with historical accuracy rates of 90% or more.
Here’s what happens when we tested it out.
Turning Patterns Into Profits
In January, our system flagged a trade in Qnity Electronics Inc. (Q) – a company I’d never heard of before.
It identified three factors that had aligned only four times over the past decade. Every time those same factors lined up for Q, the stock went up.
On January 28, this signal fired again – and over the next 30 days Q shares jumped 26%.
Or take AI chipmaker Advanced Micro Devices Inc. (AMD). On a recent signal, our system forecast an 8.4% move in 14 days, based on a pattern with 95% historical accuracy.
The result was an 8.1% gain in 48 hours.
Or take another popular AI stock, Palantir Technologies Inc. (PLTR). Our system signaled a 5.8% move in nine days, again with a historical accuracy rate of 95%. The result was a 15.1% gain in seven days – nearly three times the forecasted return.
These returns are from trading our signals with stocks. Here’s what those same signals produced using options:
Caterpillar Inc. (CAT): 126% in 72 hours
Nvidia Corp. (NVDA): 129% in 5 days
Lockheed Martin Corp. (LMT):365% in 30 days
HCA Healthcare Inc. (HCA): 461% in 13 days
Generac Holdings Inc. (GNRC):1,082% in 33 days
Now, you’ve seen some of what the signals can do. Let’s look at what’s happening under the hood…
Finding the What, Not the Why
The technology behind this new trading system is similar to what powers ChatGPT and other AI models.
They soak up massive samples of language, find statistical relationships between words, and predict what comes next. Our system uses the same principle – but for numbers.
We fed it data on 2,467 stocks going back 10 years – including interest rates, Treasury yields, Relative Strength Index readings, Bollinger Bands, and intraday trading ranges.
It also looks at indicators most traders have never heard of. Things like:
Kaufman Efficiency Ratio: It measures how cleanly a stock is trending versus how much it’s just drifting sideways.
Williams %R: It’s a momentum oscillator that measures where price sits relative to its recent high-low range.
DMI+/DMI-: They measure the strength of upward versus downward movement independently, rather than just looking at price direction.
No one knows exactly why each signal works so well. Frankly, it doesn’t matter. Like AlphaGo, our AI finds the what… not the why.
It runs each stock through 847 individual calculations daily, compiling more than 2 million trade evaluations every 24 hours.
It’s looking for combinations that have worked before – regardless of whether there’s an obvious reason why.
The result is a trading system that doesn’t care if we’re in a bull or a bear market. It doesn’t need a strong economy or a calm geopolitical environment. It just needs the ingredients to align.
Given what we’ve seen in 2026 – a wipeout in software stocks, oil above $100 a barrel, and rising volatility – that kind of neutrality matters more than ever.
Now You Can Try This Breakthrough for Yourself
This is unlike anything we’ve released in our firm’s 21-year history.
The 30,000 (and counting) signals our system has discovered for 2,467 stocks give you the kind of edge that would otherwise be off-limits for most investors.
Manage your account We hope this timely investment research is valuable to you. As you know the markets move fast and conditions change frequently. So please check the current issue for the most recent advice. Please note that we cannot be liable for any missed bulletins caused by overzealous filters. To ensure that you continue to receive this valuable part of your service please take a moment to add services@exct.investorplace.comto your address book.
This market continues to reward disciplined traders who understand how to work with volatility, not fight it. That’s exactly what put sellers do.
I’m joined by Karim Rahemtulla today on Monument Traders Alliance LIVE to walk through how put selling fits into that framework, where it works, and how to manage risk in real time.
If you’ve been looking for a more consistent, premium-driven approach, this is the session to watch.
Nothing published by Monument Traders Alliance should be considered personalized investment advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed personalized investment advice. We allow the editors of our publications to recommend securities that they own themselves. However, our policy prohibits editors from exiting a personal trade while the recommendation to subscribers is open. In no circumstance may an editor sell a security before subscribers have a fair opportunity to exit. The length of time an editor must wait after subscribers have been advised to exit a play depends on the type of publication. All other employees and agents must wait 24 hours after publication before trading on a recommendation.
Any investments recommended by Monument Traders Alliance should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company.
Protected by copyright laws of the United States and international treaties. The information found on this website may only be used pursuant to the membership or subscription agreement and any reproduction, copying or redistribution (electronic or otherwise, including on the world wide web), in whole or in part, is strictly prohibited without the express written permission of Monument Traders Alliance, LLC, 14 West Mount Vernon Place, Baltimore, MD 21201.
Editor’s Note: I have a message for you from Louis Navellier at InvestorPlace. I thought you might find it interesting – check it out here or read more below.
– Jonathan Rodriguez, Senior Managing Editor
Trump, Elon and the Coming AI “Black Swan”
Dear Reader,
I’ve spent years researching Elon Musk’s operations.
From the launch of PayPal to the launch of Tesla…
From SpaceX to OpenAI and, yes, his takeover of Twitter.
I even kept close tabs on his partnership with Donald Trump.
I was especially intrigued with how it ended – which was poorly.
Elon wound up publicly accusing Trump of some awful things.
And having been a guest at Mar-a-Lago more than 10 times…
And being somewhat aware of Trump’s thinking as well…
I can assure you: Trump never forgets an insult.
Which is why my latest discovery doesn’t exactly surprise me.
Now trust me. You won’t hear this story from CNBC, The Wall Street Journal or Forbes.
Louis Navellier Senior Quantitative Investment Analyst, InvestorPlace
P.S. Elon Musk just powered his Grok AI model with his new Colossus computer. It’s far and away the most powerful data center built to date. And it will help Elon win the chatbot race, hands down. That means SpaceX could be a great stock once it IPOs. But the stock I reveal in my new presentation could make you even more money in 2026. Go here for details – including the ticker symbol – for free.
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Any investments recommended by The Oxford Club should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company.
Protected by copyright laws of the United States and international treaties. The information found on this website may only be used pursuant to the membership or subscription agreement and any reproduction, copying or redistribution (electronic or otherwise, including on the world wide web), in whole or in part, is strictly prohibited without the express written permission of The Oxford Club, LLC, 105 West Monument Street, Baltimore, MD 21201.
Shalom from your Friends of Zion Center in Jerusalem.
At sundown tonight, Israel began the observance of Independence Day, Yom Ha’atzmaut. For 78 years, the modern Jewish state has been fighting to survive. This day of celebration is also marked by pain and suffering, and we must do all we can to help. Together we are telling, and more importantly showing, the people of Israel that they are not alone. We have received a generous matching gift challenge that will double your gift to help twice as many people—so please be as generous as you can when you send your gift today.
Your support of the Friends of Zion today allows us to comfort the people of Israel who have been devastated by the war, continue to purchase and deliver food, medicine, clothing, and other necessities of life for the poor Holocaust survivors and refugees of Ukraine, continue to operate the Friends of Zion Museum, and to meet urgent humanitarian needs among the poor Jewish people living in Israel.
Thank you so much for being part of this vital worldwide prayer movement.DONATE NOW
Weekly Prayer Service
Pray with us for Israel and submit your prayer requests.
I will pray with the spirit and I will pray with the understanding also: I will sing with the spirit, and I will sing with the understanding also. I Corinthians 14:15
If you have the gift of praying in the heavenly language, this is the most powerful form of intercessory prayer!
Let the high praises of God be in their mouth, and a two edged sword in their hand; to execute vengeance upon the heathen, and punishments upon the people; to bind their kings with chains, and their nobles with fetters of iron; to execute upon them the judgment written: this honour have all his saints. Praise Ye the Lord. Psalm 149:6-9
Join with us and millions of others around the world in prayer for Israel:PRAY WITH US
Friends of Zion launches Israeli billboard campaign honoring Trump
The Friends of Zion Heritage Center has launched a nationwide billboard campaign across Israel featuring the message “The Deliverer” alongside an image of U.S. President Donald Trump.READ MORE
U.S. President Donald Trump on Tuesday accused the Islamic Republic of Iran of violating the temporary ceasefire “numerous times.”READ MORE
Stay Connected
There is no better way to keep up with what is really happening in Israel and the world—the truth the liberal media won’t tell you—than with the redesigned and upgraded FOZ app. We have prepared this app to allow us to stay in touch with you and provide the most up-to-date news and prayer requests. This powerful tool will help you shape and focus your prayers, receive updates from Dr. Evans, and so much more. It is a must-have for every friend of Israel.APPLE APP ANDROID APP DONATE NOW
Shalom from your Friends of Zion Center in Jerusalem.
At sundown tonight, Israel began the observance of Independence Day, Yom Ha’atzmaut. For 78 years, the modern Jewish state has been fighting to survive. This day of celebration is also marked by pain and suffering, and we must do all we can to help. Together we are telling, and more importantly showing, the people of Israel that they are not alone. We have received a generous matching gift challenge that will double your gift to help twice as many people—so please be as generous as you can when you send your gift today.
Your support of the Friends of Zion today allows us to comfort the people of Israel who have been devastated by the war, continue to purchase and deliver food, medicine, clothing, and other necessities of life for the poor Holocaust survivors and refugees of Ukraine, continue to operate the Friends of Zion Museum, and to meet urgent humanitarian needs among the poor Jewish people living in Israel.
Thank you so much for being part of this vital worldwide prayer movement.DONATE NOW
Weekly Prayer Service
Pray with us for Israel and submit your prayer requests.
I will pray with the spirit and I will pray with the understanding also: I will sing with the spirit, and I will sing with the understanding also. I Corinthians 14:15
If you have the gift of praying in the heavenly language, this is the most powerful form of intercessory prayer!
Let the high praises of God be in their mouth, and a two edged sword in their hand; to execute vengeance upon the heathen, and punishments upon the people; to bind their kings with chains, and their nobles with fetters of iron; to execute upon them the judgment written: this honour have all his saints. Praise Ye the Lord. Psalm 149:6-9
Join with us and millions of others around the world in prayer for Israel:PRAY WITH US
Friends of Zion launches Israeli billboard campaign honoring Trump
The Friends of Zion Heritage Center has launched a nationwide billboard campaign across Israel featuring the message “The Deliverer” alongside an image of U.S. President Donald Trump.READ MORE
U.S. President Donald Trump on Tuesday accused the Islamic Republic of Iran of violating the temporary ceasefire “numerous times.”READ MORE
Stay Connected
There is no better way to keep up with what is really happening in Israel and the world—the truth the liberal media won’t tell you—than with the redesigned and upgraded FOZ app. We have prepared this app to allow us to stay in touch with you and provide the most up-to-date news and prayer requests. This powerful tool will help you shape and focus your prayers, receive updates from Dr. Evans, and so much more. It is a must-have for every friend of Israel.APPLE APP ANDROID APP DONATE NOW
You will only be able to connect to this live event by calling this number while the call is still in progress. The call is expected to last 15 minutes or less.
Thank you for being a vital part of this worldwide prayer movement!Your ambassador to Jerusalem,
RJ Hamster 