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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Amazon Enters Correction Zone—Time to Panic, or to Load Up?
Written by Sam Quirke on November 27, 2025
Key Points
Amazon has fallen into correction territory after dropping more than 15% from its all-time high earlier this month.
Yet buyers are already stepping back in, with shares up more than 6% from last week’s lows.
Analysts remain almost universally confident, calling the move a reset rather than the start of a reversal.
Shares of Amazon.com Inc. (NASDAQ: AMZN)have spent the past two weeks under pressure, sliding from record highs near $260 at the start of the month to almost $215 last week. The good news for investors is that despite that sharp move, the stock hasn’t broken any key technical levels, and momentum is already improving.
It appears that much of the selling was driven by a broader souring of sentiment, especially in tech stocks. However, giving up more than 15% of gains without much defense from the bulls is never a good look. The big question now as we head into Thanksgiving weekend is whether this pullback marks the start of something deeper or a rare opportunity to buy one of 2025’s best-performing mega-caps at a discount.
Before the selloff, Amazon had rallied as much as 60% from April, a run that was bound to attract profit-taking, especially after the earnings inspired a gap-up in late October.
The current drop officially puts the stock in correction territory, but it hasn’t come close to testing, let alone breaking any lows.
Technically, the setup looks more like a cooling phase than a collapse, and all the major moving averages and trend lines are intact.
Notably, trading volume during the decline has stayed moderate, with the most volume in recent weeks on green days, and no signs of panic selling.
The Fundamentals Remain Strong
Much of this strength stems from Amazon’s latest earnings report at the end of October, which confirmed that its growth story is alive and kicking. As MarketBeat highlighted at the time, all of the company’s major revenue engines are firing on all cylinders, and the outlook is bright heading into 2026.
Margins are trending higher, helped by cost discipline and automation, and cash flow continues to grow. The broader narrative hasn’t changed: Amazon is still a $2.5 trillion growth story that dominates every market it operates in and has ample room to grow. From a valuation standpoint, the recent pullback also made it more attractive to investors on the sidelines, and it’s perhaps no surprise that shares have been snapped up quickly so far this week.
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It’s also no surprise that Wall Street is treating this correction as a buying opportunity as well.
Rosenblatt Securities, for example, reiterated its Buy rating on Tuesday along with its $305 price target, implying more than 30% upside from current levels.
This echoed the move by BNP Paribas on Monday, which upgraded the stock to Outperform, and dozens of other analysts who’ve been calling the stock a red-hot buy for months.
With a street-high analyst price target of $360, the consensus on Amazon underscores widespread confidence that this is a temporary pause, not the beginning of a breakdown.
Technical Setup Looks Constructive
Recent selling has also improved the technical setup. Having been in overbought territory earlier in November, Amazon’s Relative Strength Index (RSI) has cooled nicely towards the low 40s, helping to reset momentum without causing cracks in the broader trend.
Support around the $210-215 mark has been tested multiple times in recent months without breaking, suggesting a firm base has formed. A close above $240 in the coming sessions would confirm that buyers are back in control and could pave the way for a retest of $260 highs before year-end.
Broader macro sentiment will play a big part in that happening, and for now, at least, it’s looking good. The S&P 500 has been rallying hard since Monday morning, risk appetite is opening up once again, and rate-cut expectations are growing.
Even if volatility persists in the near term, it’s hard to bet against Amazon’s long-term trajectory. Few companies have such a combination of scale, innovation, and operational discipline. This correction may look sharp on paper, but it seems likely that future investors will look back on it as a golden entry opportunity ahead of fresh highs into 2026.
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We develop tools and strategies to the best of our ability, but no one can guarantee the future. There is always a risk of loss when trading. Past performance is not indicative of future results. From 11/30/23 to 9/26/25, the win rate on live published alerts was 58.1%, and the average return was 16.28% over an 18-day hold time
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Today’s Featured Story
If You Wait for the Dip, Micron Technology Could Leave You Behind
Written by Thomas Hughes. Published 11/14/2025.
Key Points
Micron Technology is on the brink of a major demand ramp that will last for years as AI demand and data center growth fuel the business.
As DRAM prices surge, Analysts are lifting their targets—but not fast enough.
While MU stock is poised to correct in mid-November, robust trends and forecasts pointing to the $300 level might prevent it.
While concerns that the AI demand outlook is overblown and that players like OpenAI may struggle to meet GPU commitments are valid, these are bricks in a Wall of Worry built on a robust demand spike and the foundations of a multi-year memory chip supercycle.
Evidence of that supercycle appears in moves by DRAM chipmakers — notably Samsung (OTCMKTS: SSNLF) — to raise prices, and in Morgan Stanley’s decision to lift its price target. More upward revisions are likely in the coming quarters.
Those macro signals underscore a rising tide that directly benefits Micron (NASDAQ: MU), one of the few companies positioned to capitalize on surging DRAM demand. Micron’s price action peaked in November and could see a pullback — but for long-term investors that pullback would be a bullish buying opportunity.
Analysts Can’t Keep Up With Micron’s Rapidly Rising Growth Trajectory
Morgan Stanley analyst Joseph Moore and his team raised their price target for MU to $325, roughly 50% above their prior target.
The new target implies about 40% upside from mid-November highs and is likely conservative.
In Morgan Stanley’s view, the demand-driven price surge supports an earnings outlook that takes Micron into “uncharted territory” from a profit standpoint. “We think the stock has yet to fully price in the upside that’s coming,” they said. Their model assumes DRAM prices could rise by as much as 50% in some scenarios — and even that projection has shown signs of being cautious.
That thesis was reinforced almost immediately when Samsung raised prices by about 60%, citing a global shortage of AI-capable HBM3E (or better) memory units that are critical to the AI industry. Each GPU — whether from NVIDIA (NASDAQ: NVDA) or Advanced Micro Devices (NASDAQ: AMD) — is built with clusters of HBM stacks, each containing up to 12 DRAM dies. That architecture has driven an exponential increase in demand for Micron’s products relative to what we’ve seen so far from NVIDIA and what we expect when AMD launches the MI450 line.
The takeaway for investors is straightforward: Micron is experiencing an unprecedented surge in revenue and earnings potential that the stock price has not yet fully reflected.
Micron Is a Deep Value, But the Market Isn’t Sure How Deep
Analysts will need to raise near- and long-term estimates to reflect the strength in demand and pricing. Consensus forecasts currently show some strength for 2026–2028, but they do not yet capture the surge implied by recent trends, nor have many forecasters extended their targets further out.
As of mid-November 2025, Micron was trading at roughly 14x trailing earnings and about 12x on its 2028 forecast. If the valuation multiple expands materially — for example, by 50% over the coming years — the stock could appreciate significantly even without dramatic additional earnings outperformance.
With those factors in play, Micron’s share price could plausibly reach triple-digit gains relative to November highs over the next few years.
Analyst coverage has increased to 38 firms, sentiment has firmed (with a Buy bias around 88%), and price targets are trending higher.
The consensus lagged the market in November, which helped create a short-term correction outlook, but Micron is still up more than 45% over the prior 12 months. Morgan Stanley’s high-end target of $325 and the series of recent upward revisions are all above the prior consensus.
Micron Is at a Peak and Poised to Pull Back… But It Might Not
Micron’s stock price reached a peak in November and could see limited gains over the next few weeks to months. Headwinds include elevated short interest, which is near long-term highs, and institutional activity: many institutions reduced their holdings in the first half of Q4.
If a correction occurs, the stock could fall into the $185–$200 range before finding support. The caveat is that positive analyst sentiment and steady retail interest may provide enough backing to hold prices near current highs. In that case, Micron could consolidate at or near these levels and potentially move to new highs later this year or in early 2026.
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Why GRAIL Stock Could Be Biotech’s Next Big Breakout
Written by Bridget Bennett. Published 11/19/2025.
Key Points
Insider buying is a reliable signal in market pullbacks, offering long-term confidence amid short-term volatility.
Biotech stock GRAIL is one to watch, with its breakthrough cancer detection technology nearing FDA approval.
Despite economic concerns, the American Dream is still attainable through long-term investing, saving, and strategic financial choices.
Retail investors are understandably on edge after several sessions of market volatility. But bestselling author and Oxford Club strategist Alexander Green, in his new book The American Dream, says we’re still in one of the best times in history to build wealth—especially if you think long term and stick to time-tested principles.
According to Green, this pullback isn’t as severe as it may feel. “Just last Wednesday, the Dow hit an all-time high,” he noted, explaining that recent selling pressure has more to do with valuation concerns and interest-rate doubts than any fundamental breakdown.
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Green attributes the dip to two core concerns. First, investors are starting to question elevated tech and AI valuations, especially as earnings season begins to test those expectations.
Second, inflation data and slower hiring have tempered hopes that the Fed will cut rates in December. With the central bank emphasizing a “data-dependent” posture, markets are less certain that relief is coming this year.
Why Selling Now Might Be the Wrong Move
Rather than trying to predict what will happen next week, Green urges investors to zoom out. He calls himself “a long-term optimist,” and points out that historically the market’s trend has been upward.
For traders, a little short-term caution might be warranted. But for long-term investors, these dips are often opportunities to buy high-quality stocks at more attractive prices.
Insider Buying Can Point the Way
One of the most reliable indicators in times like these is insider buying. Green suggests that when officers and directors—people with access to nonpublic financial information—are putting money into their own companies, that’s worth noting.
He recommends tracking insider trading activityto see which stocks corporate executives are buying, not just selling. While insiders aren’t always right, their actions can provide a useful signal when markets are in flux.
A Biotech Breakout to Watch: GRAIL
One sector Green is focused on is biotech, where artificial intelligence is helping accelerate drug development and reduce costs. He highlighted one company in particular: GRAIL (NASDAQ: GRAL).
GRAIL, spun off from Illumina, has developed the Galleri Test, which can detect more than 50 types of cancer from a simple blood draw. Green has even used the test himself and calls it “a good feeling” to know you’re clear of so many deadly diseases—especially cancers like pancreatic that often go undetected until late stages.
With fast-track status with the FDA and potential insurance reimbursement ahead, Green sees GRAIL’s roughly $3 billion market cap as just a starting point.
The Biotech Risk—and Big Pharma’s Appetite
Of course, biotech carries risk. Most drug candidates never make it through all phases of clinical trials. Still, larger pharmaceutical companies like Merck (NYSE: MRK), Pfizer (NYSE: PFE), and Bristol Myers (NYSE: BMY) are actively acquiring promising small caps to replace expiring patents.
Green cited Johnson & Johnson (NYSE: JNJ) as a recent example. The company invested in a private prostate-cancer drug before it received FDA approval—underscoring how aggressive Big Pharma can be when clinical trials look promising.
Green believes biotech is especially compelling now because healthcare is largely recession-proof. Whether the economy is growing or shrinking, people still seek treatment. For investors looking to weather volatility, sectors like healthcare, utilities, consumer staples, and food companies tend to offer steady demand and less drama than high-flying AI names.
The American Dream Is Still Possible—But Mindset Matters
Despite economic challenges, Green argues the American Dream is far from dead. He wrote The American Dream to counter the narrative that it’s out of reach, and says he was surprised by polls showing nearly 70% of Americans believe it’s no longer attainable.
The reality, he says, is that with access to low-cost investment tools, no-commission trading, and widely available information, building wealth has never been more accessible. The challenge is knowing what to do—and having the discipline to do it.
He breaks it down simply: if a 25-year-old invests $190/month in an S&P 500 index fund, they could have $1 million by age 65—tax-free in a Roth IRA.
No extreme frugality required. “You could eat out, take trips, and still build wealth,” Green says—as long as you save and let that money compound.
Creative Solutions for Today’s Housing Market
Housing may feel out of reach, but Green says it doesn’t have to be. Mortgage rates have doubled and prices are up about 50% since the pandemic—but there are still ways in.
He shares his personal story of buying two houses with no money down by working directly with motivated sellers and assuming their mortgages—a method sometimes called a “contract for deed.” It might not get you the perfect house right away, but it can help you start building equity sooner than you think.
Stay Focused on the Long Game
Volatile markets come and go. What matters is how you respond. Whether it’s tracking insider moves, exploring high-upside sectors like biotech, or simply believing in your ability to build a financial future, Green’s message is clear: the American Dream is still within reach.
You just have to keep your eyes on it—and take the next right step.
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Why These 3 Tech Stocks Could Be the Best Opportunities You’re Overlooking
Written by Nathan Reiff. Published 11/17/2025.
Key Points
Outside of the largest names in the space, the tech sector has a number of often-overlooked firms poised to thrive.
Investors eager to look beyond the Magnificent Seven might look to semiconductor firm Marvell or software and digital platform engineering company EPAM Systems.
Those considering a tech-adjacent play outside of the sector might find reason to be optimistic about Align Technology’s potential.
The Magnificent Seven—the tech-focused firms among the largest and most influential companies in the world—dominate the broader market, accounting for a full one-third of the S&P 500. The Roundhill Magnificent Seven ETF (BATS: MAGS) provides equal-weight exposure to these seven stocks and has returned nearly 20% year-to-date (YTD). This performance outpaces the broader market despite the volatility the Magnificent Seven experienced earlier in 2025.
Investors often lump the entire tech sector together when thinking about the Magnificent Seven. While this group can serve as a bellwether for the broader sector, limiting a portfolio to these names may cause investors to miss promising opportunities among tech-adjacent companies that combine solid fundamentals with distinctive market niches.
Align Technology Leverages AI to Support Recovery in Orthodontic Market
Align Technology, the maker of the digital platform behind the Invisalign orthodontic system, is not a pure-play tech stock but is heavily dependent on technology, making it an option for investors looking for tech exposure in a different sector.
In the third quarter, Align topped analyst predictions across multiple metrics: revenue rose about 2% year-over-year (YOY) to nearly $1 billion, earnings per share (EPS) beat analyst expectations by $0.23, and non‑GAAP operating margin came in above forecasts at 23.9%. Growth has been supported by higher adoption rates among teens and children, helped in part by AI-driven treatment planning that improves efficiency.
That said, Align has faced headwinds: sales growth has slowed and shares are down by about one-third YTD. If adoption rates continue to climb, the company could return to stronger earnings performance.
Analysts are split. They forecast more than 12% earnings growth in the year ahead, which would represent an acceleration, but only seven of 16 ratings for ALGN shares are Buys. Still, a consensus price target above $175 implies roughly 28% upside, making Align a possibility for investors with a higher risk tolerance.
Marvell Technology Capitalizes on AI and Amazon Cloud Demand
A smaller player in the semiconductor space, Marvell has carved out an important niche by providing system-on-chip (SoC) solutions and products that are critical to data infrastructure.
For Marvell’s second quarter of fiscal 2026 (its fiscal year ends in early February), revenue topped $2 billion, up 58% year-over-year, driven largely by a strong data center business.
Marvell is also streamlining its operations. The company sold its automotive Ethernet operations for $2.5 billion earlier this year, which has freed cash to focus on expanding AI and data-center product lines, repurchasing shares and boosting R&D investment.
About two-thirds of the 36 analysts covering Marvell rate it a Buy, and consensus forecasts call for earnings to surge by nearly 120% in the year ahead.
EPAM Systems Rises on AI and Global Talent Diversification
EPAM provides software engineering and digital platform services across multiple industries.
Shares of EPAM have struggled this year, falling more than 21% YTD. However, a recent earnings beat—including 19% year-over-year revenue growth, record free cash flow and a robust share-repurchase program—has sparked a rally in recent weeks.
A major factor in EPAM’s earlier decline was its historically heavy reliance on talent based in Russia, Ukraine and nearby regions. As the company diversifies its geographic footprint, it should be less vulnerable to disruptions from regional turmoil.
EPAM is also pivoting toward AI engineering and related services. Analysts appear optimistic: 13 of 18 analysts rate EPAM shares a Moderate Buy, and the consensus implies roughly 19% upside to nearly $214 per share.
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0WRAP UP THE JOY 
RJ Hamster 