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
I just watched a highway clip that honestly doesn’t look real.
A fully loaded truck, flying down the interstate… no hands on the wheel, no one “in control” the way we’re used to.
No panic. No hesitation. Just a machine doing what humans used to do.
And what happened next changed my view of what “driving” means, what transport looks like, and how far tech has already gone.
You need to see this Nvidia’s trillion-dollar robot before this kind of footage goes mainstream.
Watch this and tell me you’re not rattled.From time to time, Market Signal Desk comes across opportunities we think may be of interest to readers like you. The message above, shared by one of our trusted partners, is one we recommend reviewing.
Market Signal Desk sending this newsletter on behalf of Prestige Publishing LLC.
Last night, we activated our Co-Pilot Indicator and within moments, it identified a high-probability trade setup.
What stood out wasn’t just the speed, but the clarity. The system mapped out potential entry and exit points directly on the screen, helping remove much of the guesswork traders often face.
P.S. Chuck Hughes is a 10x trading champion and Blane Markham helps run his trading desk. Chuck’s trade alerts have given his members the opportunities to target gains for 25 years running.
What’s unfolding right now isn’t panic selling—it’s something far more methodical, and arguably more telling. Former market leaders are no longer being aggressively sold… they’re simply not being defended. That subtle absence of demand has led to a steady pattern of failed bounces and controlled drift lower, a dynamic that often goes overlooked until it’s well established. One name that continues to reflect this shift is Tesla Inc. (TSLA), which peaked in December before rolling into a persistent downtrend defined by sequential lower lows and lower highs. The roughly 30% drawdown over the past three months highlights the lack of sustained demand, but more telling is the 25/52-day MACD, which triggered a sell signal in late December and has remained in negative territory throughout 2026.…Read More
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In America, rising scams and disputed charges can be an early stress tell, because financial strain often shows up at the edges before the labor data turns.
The Pressure Often Starts Before The Data Does
The first sign of economic stress rarely arrives as a clean headline. It usually starts in smaller places: a missed payment, a disputed charge, a fake debt call that works because the target is already worried about bills. That is why the recent rise in scams and charge disputes matters. It may not just be a crime story. It may also be a stress story.
America has seen this pattern before. Financial pressure often shows up first at the edges of household life, long before the main labor numbers turn. The payroll data may still look firm. The unemployment rate may still look stable. But under that surface, the margin for error gets thinner. When that happens, scams land more easily, and disputed charges matter more.
That does not mean every burst of fraud signals a downturn. Fraud has its own engines: better tools, faster payments, weaker trust online. But when scam activity rises at the same time households are feeling more strain, the pattern starts to look familiar. The edges of consumer finance often weaken before the center of the economy does.
This is not a new feature of the American economy. It is a recurring one. In the years around the 2008 housing and credit crash, fraud spread through the same weak spots where household strain was already building. Fake mortgage relief offers found people afraid of foreclosure. Job scams found people who needed work fast. Debt-related fraud found households already behind.
The same broad pattern appeared again in the slow, uneven years that followed. Families with weak savings were easier to pressure and easier to fool. Fraud did not create the financial stress. It fed on it.
That distinction matters. The scam is the event. The stress is the condition.
Older cycles show the same logic. In softer labor markets and tighter credit periods, household vulnerability tends to widen before the national story fully changes. Small balances become hard to manage. Minor billing errors become major problems. People answer calls and texts they would have ignored in easier times because every message might relate to rent, work, debt, or benefits.
So the historical point is not that scams are new. It is that scams become more effective when financial pressure is already rising.
Why Today’s Scams Fit An Older Pattern
The tools have changed, but the pattern has not. Today the scam may come through a fake bank text, a spoofed phone number, a false job post, or a payment app request that feels urgent. In earlier periods, the methods were slower and less polished. But the basic setup was much the same: pressure lowers defenses.
That is where disputed charges matter too. A disputed charge can mean fraud, but it can also reflect something broader. When money is loose, many households may absorb a bad charge and move on. When money is tight, even a small error becomes urgent. A charge that once looked annoying now looks dangerous.
That makes charge disputes useful as a signal, even if they are messy. They can show where trust is breaking down and where households are watching every dollar more closely. Those are often the same conditions that appear before broader weakness becomes obvious in the standard economic reports.
This is one reason the current moment deserves a wider lens. America’s labor data may still get most of the attention, but labor data usually lags. Employers do not cut at once. Official numbers smooth over stress that is already spreading through weaker households. The early signs are often scattered, easy to dismiss, and visible only in fragments.
Scams and disputes sit in that fragment layer.
What The Pattern May Be Telling Us Now
The cleanest way to read this is with caution. Rising scams do not prove a recession is near. Rising disputes do not tell us that the labor market is about to crack. History does not support a simple one-to-one rule.
But history does suggest something narrower and more useful. When fraud gains traction, and when more households react sharply to billing problems, it can mean financial buffers are getting thinner. That matters because buffer loss often comes before the larger economic turn, not after it.
That is the sequence worth watching. First the edges weaken. Then smaller credit problems grow. Then the strain spreads into broader consumer behavior. Only later do the biggest national indicators fully reflect the shift.
This is not a forecast. It is a reminder about order. Economic stress tends to appear first in places that look too minor or too messy to matter. But those places often tell the truth earlier than the polished data does.
The Edges Usually Speak First
That is what makes the scam cycle more than a side story. It shows how pressure moves through an economy with memory. America has seen before that households under strain become easier to target, quicker to dispute charges, and less able to absorb mistakes. That does not replace the main economic data. It helps explain what may be building before that data changes.
The larger lesson is simple. The economy often reveals its stress at the edges first. Scams, disputes, and small payment breaks are not the whole story. But they can be part of the first chapter. And in past cycles, the first chapter often mattered most because it showed the condition before the headline caught up.
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Ondas Inc.’s (NASDAQ: ONDS) price action following its fiscal 2025 earnings release suggests the stock may drift sideways or decline in the near- to mid-term. However, despite the muted market response, the results were strong — pointing to accelerating business and a clearer path to profitability — and analysts responded positively. Analyst sentiment will be a key focus in Q2 2026, as coverage and forecasts have been moving higher.
MarketBeat tracked a series of revisions immediately before and after the release, including multiple price target increases and affirmations that continued the trend. Targets from Needham & Company, H.C. Wainwright, and Lake Street Capital placed ONDS in the $19 to $23 range — above the consensus at the low end — with the consensus price target implying more than 60% upside. A move to $23, the high target as of late March, represents more than 125% upside and could be a conservative estimate given the improving outlook.
Ondas Holdings Accelerates in Q4: Guides for Acceleration in FY2026
Atlas Critical Minerals (NASDAQ: ATCX) Emerges as a Frontline Challenger in the Global Race to Break China’s Control of Critical Minerals!
With China controlling the majority of global rare earth mining and nearly all processing, governments are moving fast to secure alternatives.
Under President Trump, the U.S. has declared rare earth independence a national priority, unlocking Pentagon funding, long-term price guarantees, and aggressive policy support to strengthen domestic and allied supply chains. As geopolitical pressure mounts, the demand for reliable, non-China sources has never been more urgent.Discover why ATCX is positioning itself as a critical minerals powerhouse outside of China
Ondas Holdings delivered a robust quarterin Q4 2025, driven by new clients and rising orders for its drone, counter-drone, unmanned and surveillance systems. Revenue increased 629% to just over $30 million, accelerating sequentially by nearly 5,000 basis points as the company shifts toward operating-scale revenue. The primary negative was higher operating expenses, which widened losses; those expenses, however, were tied to growth initiatives and acquisition activity rather than core operations and are expected to be accretive in fiscal 2026 (FY2026).
Guidance gives further reason for optimism. Management forecasted $39 million in Q1 revenue and at least $375 million for the year, implying sequential acceleration in Q1 and year-over-year growth that significantly outpaces consensus. The market consensus for Q1 is roughly 50% below the company’s outlook, and there is a possibility the company issued conservative guidance.
The Mistral merger, plus follow-on acquisitions and partnerships, expanded Ondas’ access to government contracts and its capacity to execute them. The backlog swelled, rising 240% sequentially in Q4 to $68.3 million — nearly double the Q1 revenue forecast — which points to continuing strength this year.
Ondas Strengthens Balance Sheet: Dilutive Headwinds Abate in 2026
A notable headwind in late 2025 and early 2026 was the company’s need for capital. Fundraising activities resulted in roughly 200% shareholder dilution and material warrant liabilities on the balance sheet. That capital raise appears complete for now: Ondas is well-capitalized, has a multi-year operating runway and is unlikely to need additional funding except to pursue acquisitions.
The approximately $1.5 billion in cash and equivalents provides ample runway to support growth initiatives, including acquisitions, leaving the market clear to reprice the shares absent other bearish forces.
Short interest remains a factor, but it presents both risk and opportunity. At nearly 35%, short interest can cap the share price in the near term, yet the company’s FY2026 guidance and the potential to outperform it could trigger short covering and help underpin a rebound. Institutional activity supports this view: institutions own more than 35% of the stock, have been accumulating aggressively and pushed activity to record highs in Q1 2026.
Key catalysts include ongoing M&A, the planned acquisition of World View Enterprise, and expansion of the robot-as-a-service offering. World View is a high-altitude balloon-based surveillance platform that complements Ondas’ lower-altitude and ground-based systems, completing the company’s surveillance-integration capability. The partnership with Palantir (NASDAQ: PLTR) also remains important, integrating Palantir’s AI technology into Ondas drones and robots to enable a scalable, mission-critical capability.
Ondas Is Trending Higher: Winding Up in March for a 2026 Rally
Although post-release price action was tepid — the stock fell 3.4% on the day of the release — that decline is not especially bearish by itself.
Price is consolidating within a range consistent with its uptrend, setting up for another potential move higher. Short sellers still influence near-term action, but long-term buy-and-hold demand helps offset that pressure. Volatility is likely to persist, with subsequent swings that could extend the broader bullish trend.
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Retirees, listen up: President Trump’s back, and your golden years just got a major upgrade.His bold economic moves—extending the 2017 tax cuts and unleashing deeper reforms—could flood your pockets with cash and unlock insane wealth-building potential.
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Today’s Investment News
ExxonMobil’s Epic Energy Surge Ignites 2026
ExxonMobil is roaring back as the undisputed king of energy in 2026. With crude oil smashing past $115 per barrel, the stock has rocketed 30%year-to-date, trading near all-time highs around $176.
Geopolitical chaos in the Middle East, AI data center power hunger, and Exxon’s production monster-mode have created the perfect storm. The Energy Select Sector SPDR is up 27%, decoupling from a shaky broader market.
This isn’t just a rally. It’s Exxon proving hydrocarbons still rule while smartly eyeing the future.
ExxonMobil hit a historic milestone: 5 million oil-equivalent barrels per day, the highest in over 40 years. Permian Basin records and Guyana’s offshore boom drove this surge.
Integrating the $64.5 billion Pioneer Natural Resources deal supercharged Permian output, with plans to exceed 2.5 million barrels daily beyond 2030. Guyana’s Stabroek Block is ramping to 1.3 million barrels by 2027, thanks to projects like Yellowtail and Errea Wittu.
Crude’s sprint – Brent up 55% in March amid U.S.-Iran tensions and Strait of Hormuz snarls – lit the fuse. AI’s insatiable 24/7 power needs revived natural gas and LNG demand, where Exxon’s Golden Pass terminal shines.
Exxon isn’t ignoring the energy trilemma of security, affordability, and sustainability. It’s leading with blue hydrogen, carbon capture (9 million tons CO2 contracted), and lithium plays, blending old-school oil with transition tech.
For the American investor watching stagflation bite and geopolitics flare, Exxon feels like a fortress. That 4-5% dividend yield keeps paying while shares climb, shielding portfolios from tech volatility and inflation.
Reshoring manufacturing boosts Exxon’s chemical arm, feeding U.S. supply chains. In a $100 oil world, low-cost assets targeting 4.9 million boe/d by 2026 and 5.5 million by 2030scream earnings growth.
Picture Mike Reynolds, a 58-year-oldretiree from Houston, who loaded up on XOM in 2024 at $110. Today, his stake has doubled, funding grandkids’ college and a new truck, all while crude chaos plays out.
Mike ignored the green energy hype, sticking to Exxon’s disciplined growth. “Oil isn’t dead,” he says over coffee at the diner. “It’s evolving, and Exxon’s driving the bus.”
His portfolio weathered April’s volatility – XOM bounced 1.67% to $163 on April 6 after March highs – proving resilience. Now, with Q1 earnings looming April 24, Mike’s eyeing more shares.
Would you bet on Exxon’s machine in this volatile world, or chase the next fad?
1. Guyana Production Ramp.Stabroek Block hits 900,000 barrels daily now, targeting 1.3 million by 2027 with Errea Wittu online. This low-cost crude floods earnings as global supply tightens.
2. Permian Basin Dominance. Post-Pioneer, output grows 200,000 boe/din 2026, no peak in sight beyond 2030. It’s Exxon’s cash cow amid reshoring and AI gas demand.
3. Carbon Capture and Blue Hydrogen.9 million tons CO2contracted, IRA incentives fueling multibillion revenue. Positions Exxon as transition leader without ditching oil.
4. Q1 Earnings Catalyst. April 24report could confirm $3 billion from 2025 projects like Golden Pass LNG. Analysts eye if rally holds at fair value around $160-176.
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The market showed its hand Thursday, and the message was clear: geopolitical risk weighs heavier on investor sentiment right now than inflation concerns. The Dow added 275 points by the closing bell, a…READ STORY →
The tech market’s power structure is experiencing its first serious crack since 2023. The Magnificent 7 stocks that dominated returns for three consecutive years are all trading lower in 2026, taking $2.1 trillion in market capitalization with them. That’s…
Last year I ran for Mayor of New York City and lost to a Democratic Socialist. What I saw from the debate state at Rockefeller Center… and the events that have transpired since… scared me more about where our country is headed than anything I’ve seen in 30 years on Wall Street.
Friday’s trading session captures the tension gripping markets right now. The Dow Jones can’t decide which direction to move, and honestly, who can blame it? We’re all waiting for the same thing,the Consumer Price Index report that drops later…
Alibaba’s decision to lead a $290 million investment round for startup Shengshu tells us something important about where artificial intelligence is heading. The Chinese tech giant isn’t pouring hundreds of millions into yet another large language model…
Trump’s GENIUS Act has given crypto its first official federal framework. While attention stays on Bitcoin, one overlooked coin could benefit the most—backed by skyrocketing volume, early fund activity, and pro-crypto policy momentum.
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In my life’s journey, from being the son of refugees who fled communism to serving at the highest levels of government and hosting The Next Revolution on Fox News, I’ve learned that some moments change everything.
The establishment is already working to suppress our message.
It’s too important and it’s for my most trusted supporters only. You’ll understand why this is a “life-or-death” moment for our state when you read the full briefing.
If the idea of kicking off Q2 with fast, focused trades that don’t require months of patience sounds appealing, you’ll want to read on.
Let me explain.
In just a few short days, on Sunday, April 12th, I’ll release 6 red-hot trades, each one primed to target up to 200% profits in 5 days or less.
That’s right. Each of April’s 6 trades will be designed to close out by Friday, April 17th at the latest. With every trade wrapping up by next Friday, you’ll have the opportunity to lock in gains quickly without worrying about long-term market direction.
These trades are delivered through a fan-favorite here at Schaeffer’s calledExpiration Week Countdown.
Here’s just a sampling of recent big hits, each one closed out for huge profits in 5 days or less:
96% on Clear Secure
158% on Mosaic Company
228% on Amazon
305% on Roblox Corporation
… and many more.
Please note, every single one of those trades was released on a Sunday evening and closed out by that following Friday. Just 5 trading days.
Again, we’ll be releasing our next batch of 6 profit-ready trades at 7 p.m. ET in just a few days, onSunday, April 12th. I’d love nothing more than to include you on that email so you can position yourself for some potentially powerful gains by next Friday.
Options traders love expiration week because when you trade options with 5 days or less until expiration, you can potentially triple your money on stock moves of just 7% to 15%.
That’s right. You don’t need massive stock moves to target triple-digit gains during expiration week… moves as small as 7% can do the job.
Plus, you’re only in the market 5 days or less, so there’s no need to stress over long-term trends or extended exposure.
And not only is Expiration Week Countdown fast, it’s also easy.
Every recommendation will be a simple call or put option. No new-fangled strategies to learn here. Just straight option buying geared for mega-profits.
We release 6 hot trades each month at 7 p.m. ET on the Sunday before expiration Friday. We email you everything you need to place each trade, including the ideal price for entry, precise target profit range, plus charts and insight explaining why we believe the recommendations are poised for big profits.
You simply place the trades on Monday and then exit based on the simple closeout parameters included with each position (by Friday at the latest). It couldn’t be any easier to bank huge gains in just 5 days or less.
A single batch of these high-power trades typically retails for $249, a fair price considering subscribers receive 6 quick-hit opportunities, each targeting gains of 200% or more in 5 days or less.
To ensure delivery of this email to your inbox and to enable images to load in future mailings, please add enews@schaeffer.com & editor@m.schaeffersresearch.com to your e-mail address book or safe senders list.
Although there is significant profit potential associated with buying options, there is also the risk of losing one’s entire investment in any individual trade. In any option buying approach, it is expected that losing trades will be more numerous than winning trades. The goal is for the average gain to be significantly greater than the average loss so that the bottom line is profitable. Prior to purchase, ensure that you have a broker that allows the trading of options and that you are approved to trade options.
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