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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Gap Stock Recovering After Earnings Slide, AI News Helps
Written by Jennifer Ryan Woods on March 26, 2026
Key Points
Gap shares have been volatile in recent weeks, falling more than 14% after the company’s early March earnings report before rebounding as investors regained confidence in the retailer’s improving fundamentals.
The fourth-quarter report showed continued progress in Gap’s turnaround, with 3% comparable sales growth, a second straight year of top-line gains, and a strong balance sheet, although tariff pressure and weakness at the Athleta brand weighed on margins and sentiment.
Wall Street remains generally optimistic, with a Moderate Buy consensus rating and a $30.62 price target implying about 19% upside, as investors look for the company’s multi-year turnaround strategy to support further gains.
Gap Inc. (NYSE: GAP) has been a bit of a roller coaster lately. Shares dropped sharply in early March following the company’s earnings report before regaining some ground as investors seemed to shrug off the initial reaction and regain confidence in the retailer’s improving fundamentals. The stock got another lift this week after reports that Gap plans to integrate its brands into Google’s Gemini AI platform gave Wall Street another reason to be optimistic.
The recent swings show how catalyst-driven the stock has become, with shares moving sharply on earnings and headlines as investors react to the company’s progress in its multi-year turnaround strategy and try to gauge whether the improvements can keep the rally going.
Gap has seen plenty of ups and downs over the years. The stock hit a rough patch in 2022 and early 2023 as the company struggled with competition and uneven performance across its brands. Things started to turn around in 2023, however, after Gap brought in a new CEO and laid out a plan to fix the business. Investors liked what they heard, and the stock began trending higher.
In 2025 and into early 2026, the stock staged another strong run. After hitting a 52-week low around $17 in early April, shares climbed steadily as several better-than-expected quarters and stronger performance across much of the company’s portfolio helped push the stock higher. By late February, shares were trading near $28, up roughly 70% from the April low.
Things went south on March 5, when the company reported fourth-quarter 2025 earnings that came in just shy of expectations. Earnings of 45 cents per share missed estimates by a penny, while revenue of $4.24 billion was roughly in line.
In many ways, it was a solid quarter. The company posted its second straight year of top-line growth, with comparable sales up 3%. Gap ended 2025 with about $3 billion in cash, its strongest balance sheet in nearly two decades, allowing the company to raise its dividend by about 6% and approve a $1 billion share repurchase program.
There were a few sore spots, though. Tariffs cut gross margin by about 200 basis points during the quarter, and the company’s Athleta brand remained weak, with sales down about 11% year over year.
Looking ahead, Gap expects another 150 to 200 basis-point hit from tariffs in the first quarter and sees mid-single-digit declines at Athleta in the first half of 2026 as it works to reposition the brand. Even so, its fiscal 2026 guidance was better than expected. The company’s expected earnings of $2.20 to $2.35 per share were above the consensus estimate of $2.15, and revenue of $15.7 billion to $15.9 billion topped the $15.4 billion estimate.
Despite the strong full-year outlook, the earnings report and outlook rattled investors, sending shares down more than 14%. The selloff didn’t last long, though, and the stock has since moved higher, finishing up in nine of the last 12 trading sessions. Shares are now trading around $25, up more than 7% since the earnings report.
AI News Gives the Stock A Boost
Investors got another dose of optimism this week after CNBC reported that shoppers using Gemini to search for clothing will soon be able to buy items directly through the AI platform. This makes Gap the first major fashion retailer to allow consumers to check out without being redirected to the retailer’s website. Gap is also testing an AI-based sizing tool designed to help online shoppers pick the right fit.
The move comes as retailers seek new ways to leverage AI to drive online sales and keep customers engaged. It’s still too early to know how much the AI integration will affect results, but the roughly 3% jump in the stock after the report suggests Wall Street liked the development.
Wall Street Seems Confident in Gap’s Turnaround Plan
Wall Street has been encouraged by the progress of Gap’s three-stage turnaround plan. The first phase, which has played out over the past two years, focused on fixing the fundamentals. The company says it is now entering the next phase, building momentum, with the final stage focused on accelerating growth.
So far, the plan appears to be working. Gap posted several better-than-expected quarters in 2024 and 2025, with improving comps, stronger margins, and a healthier balance sheet.
Analysts seem optimistic as the company continues to execute its strategy. Gap has a Moderate Buy consensus rating, with 12 Buy ratings and five Holds. Citigroup and JPMorgan raised their price targets after the fourth-quarter report, although Weiss Ratings downgraded the stock to Hold from Buy.
The current 12-month consensus price target of $30.62 suggests about 22% upside from recent levels. Valuation also points to potential room for gains, as Gap trades at lower multiples than much of the retail industry, with a P/E near 11 versus about 17 for the sector. The price-to-sales ratio of around 0.62 is also below the industry’s roughly 1.12.
While the stock could move higher if fundamentals continue to improve and the turnaround keeps gaining traction, the recent pattern of trading on headlines suggests the ride may stay bumpy until Gap can show more consistent growth.
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Exclusive Story
Why PayPal’s Rally Faded—And What Could Restart It
By Sam Quirke. First Published: 3/16/2026.
Key Points
PayPal shares popped last month after takeover speculation sparked renewed investor interest, but the rally is already losing momentum.
The stock remains near multi-year lows and trades at one of its lowest valuations ever, suggesting there could be meaningful upside if sentiment shifts.
However, for PayPal to maintain a rally, the company will need to impress investors with its next earnings report and prove its long-term relevance in digital payments.
PayPal Holdings Inc. (NASDAQ: PYPL) seemed to be staging a long-awaited comeback at the end of February. After months of relentless selling that pushed the stock back to 2017 levels, shares jumped on rumors that payments giant Stripe was exploring an acquisition.
The speculation ignited a powerful rally, with PayPal shares popping as much as 25% from their multi-year lows. But once it became clear the takeover talk had no substance, much of that enthusiasm quickly faded. The stock retraced roughly 10% in mid-March and now looks poised to slide back toward its February lows. For the rally to regain traction, the company has to execute several things well—here’s what to watch.
The Wall Street Journal is already raising the alarm about a potential market crash, and Weiss Ratings research points to the first half of 2026 as a particularly rough stretch for certain holdings.
Some of America’s most popular stocks could take serious damage as a radical market shift plays out. Analysts at Weiss Ratings have identified five names you may want to remove from your portfolio before this unfolds.
If any of these are in your portfolio, now is the time to review your positions.See the 5 stocks to avoid
A major catalyst for PayPal’s next move will be its next earnings report in early May. After a difficult start to the year, the company needs to convince investors that its growth story isn’t terminally declining.
Last month, PayPal reported results that fell short of expectations: revenue and earnings missed analyst forecasts, and management issued cautious guidance for the year ahead. Investors took the outlook as evidence PayPal is losing share in areas where it once dominated. To reignite the rally, May’s report will need to show stabilizing growth and a credible plan to regain competitive momentum.
PayPal Must Prove It Is Not Yesterday’s Story
Beyond a single quarter, PayPal faces a broader perception challenge. The company was once one of the dominant gateways for e-commerce, but the rapid evolution of digital payments has produced a far more competitive landscape.
Merchants and consumers now have many more payment options: mobile wallets, alternative providers and integrated checkout solutions have all expanded rapidly. That increased choice has pressured PayPal’s branded checkout business, historically one of its most profitable products, which has seen growth slow compared with prior years.
That slowdown is meaningful because branded checkout typically carries higher margins than PayPal’s unbranded processing services. Weaker growth in that segment strains overall profitability and raises questions about the company’s long-term positioning. Adding to the uncertainty is a recently reported class action lawsuit alleging PayPal misled investors about the growth potential of its payment platforms, which could further dent confidence.
To stabilize its share price and rebuild momentum, PayPal must convince investors it remains a core player in the evolving digital payments ecosystem—not a legacy platform being overtaken by newer competitors in financial services.
Valuation Suggests the Stock May Be Too Cheap
The good news for prospective buyers is that PayPal’s current valuation appears to price in a lot of pessimism. Trading around $45, the stock has a price-to-earnings ratio of roughly 8—historically low for PYPL. Such a valuation implies investors expect limited growth, and that a downside scenario is largely baked in.
Still, some cautious analysts see upside from current levels. In March, Bank of America and KGI Securities rated the stock Neutral (or equivalent). Their refreshed price targets—$48 and $55, respectively—remain meaningfully above the current share price, suggesting some analysts believe the market may be overly pessimistic.
The Next Move Will Depend on Execution
Ultimately, PayPal’s next move hinges on execution. The brief rally sparked by takeover rumors showed how quickly sentiment can shift, but speculation isn’t a sustainable foundation for a long-term recovery.
PayPal needs to demonstrate through results that its business remains relevant in a crowded market. Improving growth metrics, stronger margins and a clearer strategic direction would help restore investor confidence. If management can deliver those signals in the coming weeks and months, the rebound that briefly took shape last month could evolve into a more durable rally.
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