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
Protect the Wild exists for one reason: to defend British wildlife from cruelty, persecution and exploitation wherever it occurs.
From illegal hunting and the badger cull to the industrial killing of birds for sport, we work tirelessly to expose abuse, challenge those responsible, and push for lasting change.
By adopting an animal, you are directly funding frontline campaigns that protect some of Britain’s most persecuted species.
Our fox adoption symbolises our fight to finally end fox hunting for good. Our badger adoption represents our determination to stop the badger cull and protect wildlife from government-sanctioned killing. And our peregrine falcon adoption stands for our work exposing the bird shooting industry and defending birds of prey from persecution as we work to take that industry down.
Every adoption helps fund vital work, including:
investigations and undercover work
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Your support allows us to react quickly, document cruelty as it happens, and hold those harming wildlife to account.
As a small thank you, every adopter will receive a cuddly animal to represent the species they’re standing up for — a reminder that behind every campaign are real, living animals who need protection.
We’ll also keep you updated by email on our latest campaigns and the real-world impact your adoption is having, so you can see exactly how your support is helping protect wildlife now and for the future.
If you’re able to, please consider adopting an animal today and standing with us for British wildlife.
(12) There is a way which seemeth right unto a man, but the end thereof are the ways of death. King James VersionChange email Bible version
There is only one “end” no matter how many “ways” that man might take. There is an American way, a Japanese way, and a German way. There can be family ways. People can walk all kinds of ways, but there is an end to all of them, and that is “the way of death.”
In his ignorance and presumptuousness, mankind has thought that any old way will do. What God wants us to understand is that may be true, but it all depends on what we want to produce at the end. What do we want to produce at the end of our lives? If we want to produce the same things that God wants to produce, then we will walk, conduct our lives, a certain way. And that way, of course, is the way of God.
Thus, in this verse, He is giving us an overview of life. The conclusion He wants us to take from it is that we should have a long-range view of life; He wants us to understand and conduct our lives according to this principle: It is what happens at the end that counts.
Present appearances can be deceiving. There are people who may look good, respectable, discreet, and civil. Then there are others who do not look so credible. Yet, in the end, the ones who are not currently respectable may turn out to be the ones who have eternal life, whereas the ones who appear good and civil may be the ones who end up failing.
If we had looked at Solomon at the beginning of his relationship with God and then at someone thought to be a harlot (like the woman who anointed Jesus’ feet with precious oil), on the surface who would we think had the better chance? Present appearances are deceiving. God says to aim for the end. “Seek first the Kingdom of God” is the unspoken directive here.
Shohei Ohtani appears to have the No. 1 spot on lock, but that could all change in just one year. If someone jumps from outside of the current top 10 to unseat him in ’27, who will it be?
Like many of us, Dodgers president Andrew Friedman was hanging on every pitch of the 18-inning Game 3 marathon. “I may or may not have spiked a barstool,” he said recently.
Isn’t it obvious? Carlos Narváez walked to the mound in a huge playoff moment for the Red Sox and kept it pretty darn simple. He told Aroldis Chapman to bring the heat, and the veteran closer did the rest.
After an undefeated run and a 3-2 victory over the United States, Japan captured its third Classic title, led by tournament MVP Shohei Ohtani. Look back at all the best moments at 7 p.m. ET & 9 p.m. ET.
BEIRUT (AP) — A conglomerate based in the United Arab Emirates said Monday it will take legal action against Lebanese authorities over a dispute regarding its investments in the crisis-hit country, saying it has suffered $1.7 billion in investment losses. Continue Reading ➔February 17: D-Day For The Dollar – Ad
The U.S. is taking a minority stake in an Oklahoma rare earth miner, the latest government investment in the sector as it on imports of a material used prevalently in smartphones, robotics, electric vehicles and many other high tech products. Continue Reading ➔4 Fastest Growing Blue Chip Stocks – Ad
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Sami Inkinen, the CEO of Virta Health, a healthcare company valued at $2 billion, shared that he considers himself wealthy not due to his substantial net worth, but because he has paid off his $100,000 student debt. Continue Reading ➔
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Editor’s Note: Tech legend Jeff Brown picked Nvidia in 2016 before it jumped 23,000% higher. Today, he’s recommending another explosive opportunity. While everyone has been focusing on Nvidia and other popular AI stocks, he believes a little-known company with a virtual monopoly in a key “AI metal” could hold the key to the $100 trillion AI boom. Click here for detailsor read more below.
Dear Reader,
As you can see in the picture below…
I recently traveled to a ghost town in the middle of an American desert…
Guidewire’s Buyback Could Be the Clue the Sell-Off Is Ending
Written by Thomas Hughes. Originally Published: 1/16/2026.
Article Highlights
Guidewire’s new $500M share buyback supports investor confidence and could accelerate its path to equity gains despite a rising share count.
Institutional selling in late 2025 has given way to early‑2026 accumulation, setting the stage for a potential rebound after a deep price correction.
Analyst sentiment remains bullish with a Moderate Buy consensus and upside forecasts driven by cloud migration, AI integration, and product expansion.
Share buyback authorizations, such as the one recently issued by Guidewire Software (NYSE: GWRE), are an important signal for investors and can influence stock movement because they reflect management’s confidence in growth and cash flow. The company authorized an additional $500 million, extending an earlier program that has now completed. That amount represents roughly 3.4% of Guidewire’s market capitalization, providing potential equity leverage in addition to a sentiment boost.
One caveat: the recent buybacks have not yet reduced outstanding shares meaningfully because share-based compensation has offset some repurchases. For 2025 overall, activity (including share-based comp) resulted in about a 1.5% increase in outstanding shares, though 2026 may change that trend. Q1 of fiscal 2026 (FY2026) saw only a 0.6% increase in the share count, and the company is continuing to grow while strengthening its financial position.
Institutions Are the Key to Unlocking Guidewire’s Share Price Rebound
Warren Buffett is sitting on $344 billion, the biggest cash position of his career. Meanwhile, CEOs behind America’s most powerful tech companies are selling billions in shares even as Wall Street tells everyday investors to buy the AI dip. After 46 years tracking institutional money flows, one pattern stands out: money is leaving crowded AI trades and flooding into an ignored corner of the market. The reason is power. A single AI data center uses as much electricity as a small city, and the grid can’t handle what’s coming. Institutions are quietly loading up on companies upgrading America’s power backbone.See the stocks flagged to lead the next leg of this market.
Guidewire experienced a painful price correction in Q4 2025, with the stock falling roughly 30% from its highs. MarketBeat data show that much of this was a natural profit-taking cycle that became overextended and is now poised to reverse. The Q4 selling pressure was primarily institutional; institutions (including hedge funds) — which account for the vast majority of ownership — sold heavily through 2025, coinciding with the market top.
The most likely trigger for a rebound is a reversion from distribution back to accumulation, a shift that appears to have begun. MarketBeat’s data show institutional buying of GWRE in the first two weeks of 2026, and that activity will likely accelerate as Q1 FY2026 progresses.
Valuation concerns contributed to the sell-off. At the 2025 peak the stock traded at about 65x current-year earnings and still changed hands near 58x in early 2026. Those multiples imply expectations of robust growth, and investors may remain cautious until that growth proves durable.
Guidewire’s Q1 FY2026 results delivered both top- and bottom-line beats, accelerated earnings growth, and a favorable outlook for the year. If the company continues to execute on its go-to-market strategies, there appears to be upside: investors can reasonably expect a sustained, bullish analyst revision cycle. At a modest multiple on forward earnings, the stock has room to close the gap with insurance-related peers and potentially more broadly with higher-quality tech names.
Analysts Agree Guidewire Software Looks Undervalued in Early 2026
Analyst responses to the Q1 FY2026 report were mixed — including one price-target cut, two reaffirmations, one price-target increase, and an upgrade — but the overall takeaway is constructive. Consensus among 17 analysts is a Moderate Buy, with a roughly 70% buy-rating bias and meaningful conviction behind the consensus target. Current consensus estimates imply roughly 60% upside versus the stock’s trading level.
Key 2026 catalysts for Guidewire include accelerating cloud migration, ongoing AI integration and new product development, and an expanding partner ecosystem. Cloud adoption is gaining momentum across verticals and supports the company’s revenue runway. AI features are especially appealing to insurers, who can realize operational and customer-facing efficiencies. On the partner front, Guidewire removed education fees in 2025, which has accelerated the number of platform-certified professionals and should increase platform stickiness over time.
Oversold Signals Suggest Guidewire Is Near a Turning Point
Price action in 2025 and early 2026 pushed GWRE down toward the $170 level, bringing it into alignment with its longer-term moving averages. Technical indicators such as the MACD and stochastic readings suggest the stock is deeply oversold at these levels, which coincide with the low end of analysts’ expectations and point to a potential rebound. The primary risk is a break below key support, which could extend the sell-off toward $150 before any recovery.
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(CVKD) Comes Backed By 7 Must See Potential Catalysts
Full Coverage Will Be Starting Early
Pull Up (CVKD) Before Tomorrow Morning…
January 26, 2026
Tuesday’s Watchlist | See Why (CVKD)Just Hit Tomorrow’s Radar
Dear Reader,
At Street Ideas, we’re always hunting for the under-the-radar names that can force their way onto the screen—especially when they’re taking aim at a space long controlled by the giants.
In the race to solve one of medicine’s longest-running challenges—preventing dangerous clots without increasing bleeding risk—one emerging player keeps stacking developments that could shift how this category evolves.
And in a $40B global market that has seen limited true innovation for decades, those kinds of steps don’t stay quiet for long.
That company is Cadrenal Therapeutics, Inc. (Nasdaq: CVKD).
And it’s just one of the reasons why (CVKD) will be topping our watchlist tomorrow morning—Tuesday, January 27, 2026.
We’re covering it for the first time, and its expanded clinical assets, operational milestones, and broader pipeline footprint have put it on our watchlist.
What caught our attention is the technical setup of (CVKD).
(CVKD) has less than 2M shareslistedas available to the public. When a company has a small float like this, the potential exists for big moves if demand begins to shift.
We have already seen this momentum in action, as (CVKD) made an approximate 20% move this month, from $6.81 on January 2 to $8.21 today, January 26, 2026.
Analyst Target Suggests Over 500% Upside Potential
Noble Capital Markets: Senior Analyst Robert LeBoyer recently reiterated a Bullish rating with a $45 target on (CVKD).
From its recent $7.36 range, this suggests a potential upside of over 500%. LeBoyer specifically cited the$3B+ peak annual revenue potential of the targeted indications.
Now here’s the key point: the recent attention isn’t coming from a single headline or a one-off catalyst—it’s coming from what the company is building underneath the surface.
In a category where most names are still fighting the same old tradeoffs, (CVKD)is pushing into areas where better tools are still badly needed.
And the further you go into the story, the clearer it becomes why this one could start showing up on more screens right now.
Targeting Unmet Cardiovascular Needs
Cadrenal Therapeutics, Inc. (Nasdaq: CVKD) is a late-stage biopharmaceutical companyfocused on addressing unmet needs in the anticoagulation and thrombosis space.
While the broader market is saturated with therapies, many patient populations remain underserved due to high bleeding risks or unpredictable metabolism.
(CVKD) is specifically targeting these gaps with a platform that spans chronic care, acute procedural risk, andimmune-mediated thrombosis.
The company’s primary focus has long beentecarfarin, a next-generationvitamin K antagonist designed for patients with End-Stage Kidney Disease (ESKD) and atrial fibrillation. These patients often cannot use modern therapies like DOACs because they are primarily eliminated by the kidneys.
By developing a therapy that is metabolized outside the major hepatic pathways, (CVKD) aims to provide more stable andpredictable anticoagulation for those who need it most.
In late 2025, (CVKD) transformed from a single-asset company into a multi-program clinical powerhouse.
The company recentlyacquired first-in-class assets that address acute care and rare immune-driven clotting conditions. This expansion has positioned (CVKD) as a versatile player in cardiovascular care, targeting conditions where current therapeutic options often fall short.
A Pipeline With Range
The core thesis for (CVKD) rests on itsdiversified pipeline, which now features three distinct late-stage programs.
The VLX-1005 Breakthrough:
On December 11, 2025, (CVKD)announced theacquisition of VLX-1005, a first-in-class Phase 2 12-LOX inhibitor. This candidate targets Heparin-Induced Thrombocytopenia (HIT), a serious immune-mediated complication of heparin therapy that can lead to life-threatening clots.
VLX-1005 is the first and only potent, highly selective inhibitor of human 12-LOX in clinical testing. This asset carries both FDA Orphan Status and Fast Trackdesignations, which are intended to expedite the development of therapies for rare and serious conditions.
During the January 2026,J.P. Morgan Healthcare Conference, management highlighted the high incidence of thrombotic complications in HIT, underscoring the urgent need for a therapeutic solution like VLX-1005.
Expanding with Factor XIa Inhibition:
The company alsoadded frunexian and EP-7327 to its portfolio in September 2025.Frunexian is a Phase 2-ready intravenous Factor XIa inhibitor designed for acute procedural scenarios, such as bypass surgery or mechanical device support where contact activation triggers clotting.
Factor XIa inhibition is a closely watched mechanism because it may reduce clotting risk whilelimiting bleeding, a major hurdle for existing anticoagulants.
Detailed Program Breakdown:
To appreciate the scale of what (CVKD) is building, one must look at the specific indications and the science driving each program.
And this is where the story starts to shift from “interesting pipeline” to “company people are suddenly paying attention to.”
(CVKD) isn’t just assembling programs on paper—it’s stacking clinical and operational signals that the market tends to notice when they show up together.
When a little-known company, like (CVKD), begins pairing late-stage readiness with fresh assets in high-need settings, visibility can change fast.
Strategic Milestone: The J.P. Morgan Healthcare Conference
Management used this stage to emphasize that HIT is not just a rare condition but a high-incidence complication that lacks a “gold standard” treatment.
By positioning VLX-1005 as the first and only selective 12-LOX inhibitor, (CVKD is effectively claiming leadership in a niche but highly critical segment of hospital-based medicine.
Furthermore, the company has emphasized itsmanufacturing progress. Completing cGMP manufacturing for tecarfarin is a major hurdle cleared.
This move signals that (CVKD is not just a research house but an operationally ready late-stage clinical developer capable of moving intopivotal trials.
Targeted Response System
As noted in recent updates, the CVKDpipeline is beginning to look less like a typical biotech and more like an “emergency response system” for the cardiovascular ward.
Whether it is a patient suffering from HIT, a patient undergoing a CABG procedure, or an ESKD patient needing long-term protection from AFib, CVKD is developing specific tools for specific crises.
This “layered approach” is something few emerging companies can match, as most focus on a single mechanism or a single indication.
7 Reasons Why (CVKD) Will Be Topping Our Watchlist Tomorrow Morning —Tuesday, January 27, 2026
1. Analyst Coverage: Analyst’s $45 target on (CVKD) suggests over 500% upside potential from recent levels.
2. Razor-Thin Float: With fewer than 2M shares available to the public, (CVKD)’s small float could witness the potential for big moves if demand begins to shift.
3. Massive Market Potential: By targeting underserved niches within the $40B anticoagulation market, (CVKD)is positioning itself where few emerging companies have comparable breadth.
4. Triple-Asset Platform: Following its recent acquisitions, (CVKD) now advances three late-stage clinical programs spanning chronic, acute, and immune-mediated cardiovascular risk.
5 First-in-Class: By adding VLX-1005, (CVKD) now holds the only selective 12-LOX inhibitor currently in clinical testing, aimed at HIT.
6. Late-Stage Readiness: With tecarfarin progressing toward a pivotal study in ESKD, (CVKD is entering a phase that could determine outcomes for high-need patient groups.
7. Regulatory Fast Tracking: The Orphan and Fast Track designations for VLX-1005 help (CVKD) push forward in a rare condition with limited therapeutic options.
Pull Up (CVKD) Before Tomorrow Morning…
(CVKD) checks multiple boxes that tend to draw serious attention when they appear together: analyst coverage pointing to a $45 target, a razor-thin float with fewer than 2M shares available to the public, and a focus on underserved niches inside a $40B anticoagulation market.
What makes the story even more compelling is the broadened three-program platform across chronic, acute, and immune-driven clotting risk—so it isn’t a one-shot narrative.
Add in VLX-1005, described as the only selective 12-LOX inhibitor currently in clinical testing for HIT, along with Orphan and Fast Track designations, and it’s easy to see why (CVKD) keeps rising on watchlists.
Pair that with tecarfarin moving toward a pivotal study in ESKD, and you have a company entering a higher-visibility phase where execution starts to matter more than promises.
We will have all eyes on (CVKD)tomorrow morning—Tuesday, January 27, 2026.
Take a look at (CVKD) before you call it a night.
Also, keep a lookout for my morning update.
Have a good night.
Sincerely,
Paul Prescott Co-Founder & Managing Editor Street Ideas Newsletter
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