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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$80.70+0.31 (+0.39%)(As of 04:00 PM ET)30 DAY PERFORMANCE +10.97%90 DAY PERFORMANCE-6.48% 1 YEAR PERFORMANCE +9.02%
MARKET CAPITALIZATION
$23.78B
P/E RATIO
13.02
PRICE TARGET
$95.32
ABOUT ZOOM COMMUNICATIONS
Zoom Video Communications, Inc. (commonly referred to as Zoom) is a provider of cloud-based communications and collaboration solutions. The company’s platform supports video conferencing, voice calling, instant messaging, webinars and large-scale virtual events, and meeting room systems, marketed to businesses, educational institutions, government organizations and individual users. Zoom’s product lineup includes Zoom Meetings, Zoom Phone, Zoom Rooms, Zoom Video Webinars and Zoom Chat, and the company offers integrations and extensions through a developer marketplace and third-party… Read Full Profile ▷
ZM COMPANY CALENDAR
FEB 25, 2026Last EarningsAPR 1, 2026TodayMAY 20, 2026Next Earnings (Estimated)JAN 31, 2027Fiscal Year End
Investment researcher Andy Howard called Sui at 57 cents in August 2024 before it climbed 840% in six months. Now he’s focused on what he calls ‘Digital Oil’ – a scarce asset he believes powers the blockchain-based financial infrastructure mandated under the Clarity Act.
As uncertainty continues to dampen consumer confidence, investors are pivoting from growth to consumer staples. The VDC offers a low-beta, dividend-rich hedge.Read The Full Story ▷
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Last year I ran for Mayor of New York City… and lost to a 34-year-old Democratic Socialist. Now he wants to spend $70 million just to study government-run grocery stores. Raise property taxes 9.5%. And hike taxes on every corporation and high earner. I’ve spent 30 years on Wall Street. And I’m convinced what’s starting in New York is just the beginning. I’ve put together a free analysis explaining exactly what’s coming, and what you can do about it.Read it here. ▷
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Welcome to History Facts, a daily digest of history’s most fascinating happenings!
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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
“We are not worried about defending our material interests because they come and go; but our spiritual interests, these we must defend because they are necessary to obtain our salvation.” -Bl. Anacleto Gonzalez Flores
Today’s Meditation
One of the many benefits of rain is that the effects are often immediate. Wilted or parched plants regain shape. the dancing, rippling effect of one drop of rain shows the life-giving potential of each droplet….In the absence of rain, we become acutely aware of our need. It is in times of drought, like a fast, when plants are dry and withered, that we are aware of the importance of this life-giving force. … It is often a mystery why the Christian life starts with water, until we recognize its vitality and necessity in nature. Of course, god would start with water. He always starts with water. —P. 90 Emily Malloy
An excerpt from
The Joy of the Resurrection!
This season, discover meaningful gifts, heirloom-quality crucifixes, and inspiring home décor to celebrate the victory of the Risen Lord. From the beloved Easter Story Egg for children to elegant Paschal candlesfor your prayer space, find everything you need to honor our greatest Feast.
Celebrate the glory of Easter with keepsakes that proudly reflect the light of Christ and the richness of our Catholic tradition.See Them All
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
He determines the number of the stars, He gives to all of them their names. — Psalm 147:4
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Minting a whole new generation of American millionaires in the process.
And nobody is paying attention.
But in this jaw-dropping new video, one ex-Wall Street insider exposes the smoking gun evidence that a Trump-approved $7.5 trillion tsunami is about to hit the markets.
Including a personal letter, written by President Trump himself, revealing why phase one of this secret plan could be just days away.
The market just delivered its verdict on Iran peace talks: massive sector rotation out of war hedges and into growth. Oil plunged 1.69% to $99.67 while technology surged 4.24% — the largest single-day divergence since the conflict began.
This isn’t just relief buying. It’s institutional money repositioning for a post-conflict world where geopolitical premiums evaporate and fundamentals matter again. The S&P 500 jumped 2.91% to 6,528.52, but the story is in the sector spreads.
SECTOR ROTATION SIGNALS
Technology (XLK): +4.24% — Highest since November
Energy (XLE): -1.13% — Worst day in 3 weeks
Spread: 5.37 percentage points — Largest since conflict began
The VIX collapsed 2.97% to 24.50 while the 10-year yield dropped 71 basis points to 4.31%. This is risk-on with a capital R.
Investor Signal:
When war premiums unwind this aggressively, the rotation typically continues for weeks. Energy weakness paired with tech strength suggests institutions are betting on sustained de-escalation.
Technology sector leads market with 4.24% surge on peace optimism
Energy sector falls 1.13% as oil drops on Iran de-escalation hopes
Oil’s drop below $100 isn’t just psychological — it’s systematic unwinding of the largest geopolitical trade in decades. WTI crude fell 1.69% to $99.67 as France and Japan aligned on ceasefire talks, sending energy stocks into freefall.
But here’s what most missed: the energy selloff was orderly, not panicked. Volume in XLE was 30% above average — institutional, not retail. Smart money is rotating, not fleeing.
ENERGY COMPLEX BREAKDOWN
WTI Crude: $99.67 (-1.69%) — First close below $100 in two weeks
XLE Volume: 30% above 20-day average
Energy vs S&P: -4.04% relative performance — Worst since March 15
Investor Signal:
Energy’s orderly decline suggests institutions are repositioning for a 90-95 oil environment, not capitulating. This creates opportunity in oversold energy names.
Meanwhile, the Magnificent 7 exploded higher. Meta surged 6.67% to $572.13, Nvidia jumped 5.59% to $174.40, and Google climbed 5.14% to $287.56. This is growth rotation at its purest — money flowing from defensive war plays back to secular winners.
The dollar fell 0.51% while gold still managed a 1.99% gain to $4,771.50. That’s the tell: even with de-escalation, investors aren’t abandoning hard assets entirely. They’re just rebalancing the mix.
CROSS-ASSET SIGNALS
Dollar Index: 99.45 (-0.51%) — Two-week low
10Y Yield: 4.31% (-71bps) — Biggest drop since March 18
Gold: $4,771.50 (+1.99%) — Still near record highs despite peace talks
Investor Signal:
Gold’s resilience during de-escalation shows investors still want portfolio insurance. The metal is transitioning from war hedge to inflation hedge — a longer-term, more sustainable bid.
The 10-year Treasury’s 71 basis point rally to 4.31% tells the real story. Bond traders aren’t just betting on lower oil — they’re pricing in reduced Fed hawkishness as geopolitical risks fade. This is the bond market’s peace dividend.
Financials rose 2.09% despite falling yields, signaling that investors see the rate environment stabilizing rather than collapsing. Banks can work with 4.31% ten-year yields. They struggle with volatile swings between 3.80% and 4.90%.
APRIL POSITIONING SNAPSHOT
Russell 2000: +3.41% — Small caps leading on domestic focus
Industrials: +3.27% — Infrastructure plays benefiting
Utilities: -0.07% — Only sector flat as rates fell
Small caps’ 3.41% surge in the Russell 2000 signals money rotating back to domestic growth stories. With geopolitical risks fading, investors are rediscovering companies that thrive on stable energy costs and predictable supply chains.
Investor Signal:
The Russell 2000 outperforming mega-caps suggests this rotation has legs. Small caps have been oversold relative to fundamentals, creating opportunity as risk premiums normalize.
Tomorrow brings fresh economic data in a dramatically different context. What looked like stagflation risk last week now reads as normalization. The market is betting on peace — and positioning accordingly.
Thanks for reading. See you tomorrow. — David Mercer, Senior Market AnalystP.S. While everyone’s focused on oil’s decline, I’ve been tracking a different angle on this war premium unwind — three specific sectors that historically surge when geopolitical tensions ease, and one in particular is sitting at multi-year lows despite fundamentals that should have it trading 40% higher. The setup reminds me of energy stocks in early 2020, right before they exploded.
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Gold Shock Coming? (ad)JPMorgan Chase CEO Jamie Dimon recently told Fortune gold could “easily” hit $10,000. Combined with the uncertainty we’ve seen in 2026—tariffs, war, a shaky dollar—the case for gold has never been stronger.
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Top Insider-Buying Stocks (Last 30 Days)CompanyShares PurchasedTotal Cost of Shares PurchasedNumber of Insider PurchasesNumber of Insiders BuyingCurrent Share PriceMarketBeat Consensus RatingMarketBeat Consensus Price TargetRead MoreSSP E.W. Scripps1,332,085$5,733,766.003416$3.59Reduce$6.95KRRO Korro Bio1,656,800$18,407,048.0088$12.13Moderate Buy$37.29NCDL Nuveen Churchill Direct Lending47,547$635,105.0077$12.64Hold$15.40EML Eastern17,680$347,161.00117$20.49Hold$0.00AVBC Avidia Bancorp9,183$174,772.0076$19.77Sell$0.00JAN JAN187,000$3,740,000.0066$23.44N/A$0.00AMRZ Amrize76,634$4,434,640.0075$56.24Moderate Buy$64.14BWFG Bankwell Financial Group22,696$1,061,962.0085$49.32Moderate Buy$52.00FFIN First Financial Bankshares10,300$305,066.0065$29.92Hold$38.00GABC German American Bancorp200$8,123.0055$42.39Moderate Buy$46.50
Top Insider-Selling Stocks (Last 30 Days)CompanyShares SoldTotal Cost of Shares SoldNumber of Insider SalesNumber of Insiders SellingCurrent Share PriceMarketBeat Consensus RatingMarketBeat Consensus Price TargetRead MoreFSLR First Solar75,989$14,921,902.004211$198.22Moderate Buy$247.79GETY Getty Images391,563$305,419.001110$0.80Reduce$3.78SFM Sprouts Farmers Market129,750$10,566,838.003910$75.96Moderate Buy$101.75KTOS Kratos Defense & Security Solutions64,110$5,608,214.00119$68.84Moderate Buy$98.28MATX Matson42,550$7,034,602.0099$166.68Hold$156.25AAOI Applied Optoelectronics272,313$26,814,465.00109$86.57Hold$52.80INSW International Seaways54,697$4,102,220.00108$72.68Buy$68.00IONS Ionis Pharmaceuticals599,303$45,125,013.00108$75.77Moderate Buy$92.84SOPH SOPHiA GENETICS8,756$41,844.0088$5.11Hold$7.00VICR Vicor491,091$88,949,626.00178$163.07Buy$118.33More Calendars from MarketBeat and InsiderTrades.comToday’s Insider Trades CEO Purchases CFO Purchases COO Purchases Top Insider Buying Stocks Top Insider Selling Stocks Insider Trades Screener MarketBeat All Access
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RJ Hamster 