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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In 1934, the government executed a legal maneuver that transferred billions in wealth overnight.
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A small group who saw it early walked away wealthy.
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Trump has the same legal authority today. Advisors close to the administration believe he’s considering using it. If he does, the transfer happens fast — and the window to be on the right side of it is already closing.
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“Fallacies do not cease to be fallacies because they become fashions.”
— G. K. Chesterton
Ivan Pentchoukov National Editor
Good morning! It’s Monday. Here are today’s top stories:
🚀 The four Artemis II astronauts will today break the distance record set by Apollo 13 for the farthest humans have traveled from Earth. This will happen during their seven-hour lunar flyby, when the astronauts will also get to enjoy views of the moon’s far side, which has never been seen before with human eyes.
President Donald Trump has given Iran until Tuesday, 8 p.m. ET, to reopen the Strait of Hormuz, or the U.S. might launch strikes on power plants and bridges. The ratcheted-up threat was made after Trump announced the rescue of a second U.S. aviator downed in Iran.
For many firefighters, the fires outside are not in fact the deadliest threat. It’s the invisible toxins and carcinogens from the flames slipping through their gear, burrowing into skin and lungs. After losing two fellow firefighters to cancer, a Phoenix deputy fire chief decided to build a solution.
🍵 The push to prevent heart disease earlier in life has led to more testing–often in visits too short to fully weigh the trade-offs.
A view of Earth taken by NASA astronaut and Artemis II Commander Reid Wiseman from the Orion spacecraft’s window after completing the translunar injection burn on April 2, 2026. (NASA)
Today, the crew of Artemis II will swing around the moon and head back to Earth in a seven-hour lunar flyby.
The crew is scheduled to wake up at 10:50 a.m. ET, when a historic day of firsts, records, and opportunities for discoveries lay before them.
They will be the largest crew yet to fly around the moon, and they are expected to set a new distance record for the farthest human beings have ever traveled from the surface of the Earth. They are also expected to observe areas of the lunar surface that have never been seen firsthand by human eyes, and a complete solar eclipse, before lunar gravity essentially throws their spacecraft on a course back home.
NASA’s live coverage is expected to begin at 1 p.m. ET. Here is what to know about the day’s events.
1:30 p.m.—The crew will have a conversation with the science officer in Mission Control for final review and solidification of the surface targets for observation and other objectives.
2:45 p.m.—Artemis II’s seven-hour lunar flyby will officially begin.
Integrity’s course will send the crew behind the moon, passing on looker’s left, and swinging around to reemerge on looker’s right.
From their vantage point, the crew will be able to see elements of both the near and far sides, with about 20 percent of the far side illuminated, with plenty of opportunities to see things for the first time with human eyes.
The crew will work in pairs, observing the moon in 55-to-85-minute shifts due to Integrity’s limited window space.
Juliane Gross, Artemis sample curation lead who was tasked with helping choose sites targeted for observation, praised in-person human observation as being best for being able to provide immediate descriptions compared to robotic spacecraft.
“The human brain is so good at looking at a surface and immediately picking out … those changes in the blink of an eye,” she told The Epoch Times. “Orbiters and spacecraft, they will take months and years to get their data.”
Lunar scientists told The Epoch Times that there are spots on both the far and near sides that they are excited to observe.
On the far side, those targets include Orientale Basin and an older basin called Hertzsprung. On the near side, Gross said she was most excited to observe the Aristarchus Plateau. (More)
IRAN WAR
Iranian officials said the country would carry out more forceful attacks on targets if the U.S. and Israel target the country’s civilian infrastructure in an apparent response to warnings issued by President Donald Trump over the weekend.
Trump told Fox News that the United States had tried to arm Iranian protesters and sent them guns via Kurdish groups, but that he believes the Kurds kept the guns for themselves.
LATEST NEWS
A federal judge blocked the Trump administration from enforcing a requirement that colleges submit admissions data to show they are not considering race, calling the rollout “rushed and chaotic.”
A Chinese man has pleaded guilty after trying to board a flight while carrying trade secrets from his Kansas-based employer, an aviation company, to China, according to federal prosecutors.
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WORLD
Pope Leo XIV shared a message of peace in his first Easter Mass as pontiff, calling on nations in global wars to lay down their weapons and seek peace through dialogue.
China and Pakistan’s peace plan reflects the Chinese regime’s drive to secure energy supplies from Iran. Still, experts say Beijing lacks the clout to mediate the conflict, and its support for Tehran will likely overshadow the upcoming Trump–Xi summit.
NATO Was a Big Loser in the Iran War—by Victor Davis Hanson (Read)
American Classics Worth Celebrating This July—by Mark Bauerlein (Read)
A New Jersey State Police officer holds a bear cub that was rescued from a ditch alongside a busy interstate highway in northern New Jersey on April 1, 2026. (New Jersey State Police via AP)
📸 America in Photos: Artemis II Mission, Birthright Citizenship Arguments, and Cub Rescue (Look)
❓ Explainer: The Epoch Times’s Pentagon correspondent Ryan Morgan looks at how recent ground troop deployments have fueled speculation of ground combat operations in Iran.
🍿 Movie: ‘A Great Awakening’: Ben Franklin’s Most Important Contribution (Read)
🎵 Music: Mozart’s Divertimento (String Trio) In E Flat, KV 563 (Listen)
🚻 (Sponsored) Urologist: Seniors With Bladder Problems Should Try This Simple Routine — Many older adults may be low in a key mineral tied to hydration, muscle function, and energy. A simple “salty drink” is gaining attention for daily balance—without sugar or artificial ingredients. See why doctors are talking about it.*
You can now be treated for heart disease decades before you have symptoms.
You go in for a routine physical, feeling healthy. Your cholesterol comes back a little high, not alarming, just above the cutoff. In the past, your doctor might have said, “Let’s recheck next year.”
Under the 2026 cholesterol guidelines, you may be sent for more tests. You could leave with a statin, not because you are sick today, but because you might develop heart disease in 30 years.
The goal is to push prevention earlier and make it more precise, treating risk long before symptoms appear. Supporters say this “lower-for-longer” approach could prevent tens of thousands of heart attacks and strokes by catching disease earlier.
For many otherwise healthy adults, especially those in their 30s and 40s with modestly elevated cholesterol, the shift is far more complicated. The benefits are distant and statistical. The burdens—more tests, more appointments, a daily pill that could last decades—arrive now.
For decades, decisions about cholesterol treatment hinged on a simple question: What is this person’s risk of a heart attack or stroke in the next 10 years? The answer usually mattered most in midlife.
Now, clinicians are being asked to consider longer-term risk—sometimes starting in a person’s 30s.
The 2026 guidelines add layers to what was once a simpler decision. Instead of focusing mainly on short-term risk, doctors are asked to calculate both 10- and 30-year risk, weigh “risk enhancers,” such as family history or inflammation, and, in some cases, add tests such as lipoprotein(a) or coronary calcium scans. (More)
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Ratings changes for Theravance Biopharma, Freshworks, Dave & Buster’s Entertainment, Escalade, Rapid7, IPG Photonics, Agenus and more…Text “MarketBeat” to 68285 to get SMS breaking news alerts for stocks on your watchlist and other special reports. Learn More.
You personally owe $280,000. And you never agreed to it. (Ad)The U.S. national debt has climbed from $27 trillion when Trump left office to over $38 trillion today — more than $280,000 per taxpaying American. For the first time in history, annual interest payments now exceed the entire national defense budget. Shanon Davis at American Alternative Assets has put together a free Presidential Transition Guide covering what economists call “The Impossible Trinity,” how current debt levels and Fed rate decisions could affect purchasing power, and a 3-step strategy for shielding your IRA or 401(k) with the asset class that has historically held value through government debt crises.
SVP Deirdre O’brien sold 30,002 shares of the company’s stock in a transaction dated Thursday, April 2nd. The shares were sold at an average price of $255.35, for a total transaction of $7,661,010.70. Following the completion of the transaction, the senior vice president owned 136,810 shares of the company’s stock, valued at $34,934,433.50. This represents a 17.99% decrease in their position. The transaction was disclosed in a legal filing with the SEC, which is available through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan.
CEO Timothy D. Cook sold 64,949 shares of the stock in a transaction dated Thursday, April 2nd. The shares were sold at an average price of $254.23, for a total transaction of $16,511,984.27. Following the transaction, the chief executive officer directly owned 3,280,418 shares in the company, valued at $833,980,668.14. This represents a 1.94% decrease in their position. The sale was disclosed in a legal filing with the SEC, which is available at this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan.
CEO Douglas J. Herrington sold 1,000 shares of the company’s stock in a transaction that occurred on Wednesday, April 1st. The stock was sold at an average price of $210.50, for a total value of $210,500.00. Following the completion of the transaction, the chief executive officer directly owned 520,361 shares in the company, valued at $109,535,990.50. This represents a 0.19% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is available through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan.
CAO Amie Thuener O’toole sold 617 shares of the firm’s stock in a transaction on Wednesday, April 1st. The shares were sold at an average price of $289.63, for a total value of $178,701.71. Following the transaction, the chief accounting officer owned 10,093 shares of the company’s stock, valued at approximately $2,923,235.59. This trade represents a 5.76% decrease in their position. The sale was disclosed in a legal filing with the SEC, which is available at this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan.
Amkor Technology (NASDAQ:AMKR) was upgraded by Melius Research from “hold” to “buy”. They now have a $60.00 price target on the stock. This represents a 24.2% upside from the current price of $48.30.Boot Barn (NYSE:BOOT) was upgraded by Jefferies Financial Group Inc. from “hold” to “buy”. They now have a $195.00 price target on the stock. This represents a 40.4% upside from the current price of $138.84.First American Financial (NYSE:FAF) was upgraded by Barclays PLC from “equal weight” to “overweight”. They now have a $72.00 price target on the stock, up from $70.00. This represents a 21.5% upside from the current price of $59.25.Kratos Defense & Security Solutions(NASDAQ:KTOS) was upgraded by Jefferies Financial Group Inc. from “hold” to “buy”. They now have a $85.00 price target on the stock. This represents a 18.4% upside from the current price of $71.77.Netflix (NASDAQ:NFLX) was upgraded by The Goldman Sachs Group, Inc. from “neutral” to “buy”. They now have a $120.00 price target on the stock, up from $100.00. This represents a 20.3% upside from the current price of $99.75.Northern Trust (NASDAQ:NTRS) was upgraded by BMO Capital Markets from “market perform” to “outperform”. They now have a $168.00 price target on the stock. This represents a 15.9% upside from the current price of $144.96.Northern Trust (NASDAQ:NTRS) was upgraded by The Goldman Sachs Group, Inc. from “sell” to “neutral”. They now have a $151.00 price target on the stock, up from $148.00. This represents a 4.2% upside from the current price of $144.96.Olin (NYSE:OLN) was upgraded by Wells Fargo & Company from “equal weight” to “overweight”. They now have a $35.00 price target on the stock, up from $25.00. This represents a 18.3% upside from the current price of $29.59.Roche (OTCMKTS:RHHBY) was upgraded by Argus from “hold” to “buy”. The current price is $49.85.Rocket Companies (NYSE:RKT) was upgraded by Barclays PLC from “equal weight” to “overweight”. They now have a $19.00 price target on the stock, down from $22.00. This represents a 26.5% upside from the current price of $15.02.State Street (NYSE:STT) was upgraded by Bank of America Corporation from “underperform” to “neutral”. They now have a $143.00 price target on the stock. This represents a 9.7% upside from the current price of $130.37.Twilio (NYSE:TWLO) was upgraded by Jefferies Financial Group Inc. from “hold” to “buy”. They now have a $160.00 price target on the stock, up from $125.00. This represents a 21.3% upside from the current price of $131.89.Tyson Foods (NYSE:TSN) was upgraded by Piper Sandler from “neutral” to “overweight”. They now have a $75.00 price target on the stock, up from $61.00. This represents a 15.9% upside from the current price of $64.74.Waters (NYSE:WAT) was upgraded by Evercore Inc from “in-line” to “outperform”. They now have a $350.00 price target on the stock. This represents a 14.8% upside from the current price of $304.82. VIEW MORE UPGRADES You Won’t Get a Warning Before This Correction Hits (Ad)Gold just broke another record – a classic flight-to-safety signal that the smartest money on Wall Street is already acting on. With the NASDAQ pricing in optimism over fundamentals and global tensions continuing to rise, a market correction could arrive without warning. Our research team just released a free crash-protection guide identifying which stocks and sectors can hold strong even when the broader market crumbles.
Avis Budget Group (NASDAQ:CAR) was downgraded by Deutsche Bank Aktiengesellschaft from “buy” to “hold”. They now have a $128.00 price target on the stock. This represents a 34.6% downside from the current price of $195.58.NIKE (NYSE:NKE) was downgraded by CICC Research from “outperform” to “market perform”. They now have a $58.00 price target on the stock, down from $69.00. This represents a 31.1% upside from the current price of $44.23.Power Integrations (NASDAQ:POWI) was downgraded by Northland Securities from “outperform” to “market perform”. They now have a $46.00 price target on the stock. This represents a 13.3% downside from the current price of $53.04.Sprouts Farmers Market (NASDAQ:SFM) was downgraded by Melius Research from “hold” to “sell”. They now have a $70.00 price target on the stock. This represents a 9.4% downside from the current price of $77.27.Universal Music Group (OTCMKTS:UMGNF) was downgraded by Wells Fargo & Company from “overweight” to “equal weight”. The current price is $19.88. VIEW MORE DOWNGRADES Hey, Have You Claimed Your Rebate Check?? (Ad)The U.S. has already collected $195 billion in tariff revenue this year, with projections reaching $400 billion by 2026 – drawn from over 90 countries. Investment Director Jason Williams says a portion of that revenue is being channeled into what he calls ‘Tariff Rebate Checks’ – quarterly payouts potentially worth up to $8,276. The next payout window is approaching.
Avalo Therapeutics (NASDAQ:AVTX) is now covered by Citizens Jmp. They set a “market outperform” rating and a $52.00 price target on the stock. This represents a 190.2% upside from the current price of $17.92.PayPay (NASDAQ:PAYP) is now covered by Mizuho. They set an “outperform” rating and a $26.00 price target on the stock. This represents a 30.9% upside from the current price of $19.87.PayPay (NASDAQ:PAYP) is now covered by Benchmark Co.. They set a “buy” rating and a $31.00 price target on the stock. This represents a 56.0% upside from the current price of $19.87.PayPay (NASDAQ:PAYP) is now covered by Bank of America Corporation. They set a “buy” rating and a $26.00 price target on the stock. This represents a 30.9% upside from the current price of $19.87.PayPay (NASDAQ:PAYP) is now covered by Morgan Stanley. They set an “equal weight” rating and a $24.00 price target on the stock. This represents a 20.8% upside from the current price of $19.87.PayPay (NASDAQ:PAYP) is now covered by Wolfe Research. They set an “outperform” rating and a $26.00 price target on the stock. This represents a 30.9% upside from the current price of $19.87.PayPay (NASDAQ:PAYP) is now covered by Deutsche Bank Aktiengesellschaft. They set a “hold” rating and a $20.00 price target on the stock. This represents a 0.7% upside from the current price of $19.87.PayPay (NASDAQ:PAYP) is now covered by Citigroup Inc.. They set a “neutral” rating and a $23.00 price target on the stock. This represents a 15.8% upside from the current price of $19.87.PayPay (NASDAQ:PAYP) is now covered by Jefferies Financial Group Inc.. They set a “buy” rating and a $28.00 price target on the stock. This represents a 40.9% upside from the current price of $19.87.PayPay (NASDAQ:PAYP) is now covered by Cantor Fitzgerald. They set an “overweight” rating and a $25.00 price target on the stock. This represents a 25.8% upside from the current price of $19.87.Satellos Bioscience (NASDAQ:MSLE) is now covered by Leerink Partners. They set an “outperform” rating and a $20.00 price target on the stock. This represents a 233.9% upside from the current price of $5.99.Sezzle (NASDAQ:SEZL) is now covered by Keefe, Bruyette & Woods. They set an “outperform” rating and a $85.00 price target on the stock. This represents a 25.1% upside from the current price of $67.96.Solana (NASDAQ:HSDT) is now covered by Maxim Group. They set a “buy” rating and a $4.00 price target on the stock. This represents a 104.9% upside from the current price of $1.95.ThredUp (NASDAQ:TDUP) is now covered by TD Cowen. They set a “buy” rating and a $5.00 price target on the stock. This represents a 35.3% upside from the current price of $3.70.Tyra Biosciences (NASDAQ:TYRA) is now covered by Canaccord Genuity Group Inc.. They set a “buy” rating and a $50.00 price target on the stock. This represents a 25.2% upside from the current price of $39.94.Versigent (NYSE:VGNT) is now covered by Wells Fargo & Company. They set an “overweight” rating and a $35.00 price target on the stock. This represents a 22.7% upside from the current price of $28.53.WD-40 (NASDAQ:WDFC) is now covered by William Blair. They set an “outperform” rating on the stock. The current price is $206.67.West Bancorporation (NASDAQ:WTBA) is now covered by Hovde Group. They set a “market perform” rating and a $25.50 price target on the stock. This represents a 6.6% upside from the current price of $23.93. VIEW MORE NEW COVERAGE
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