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
Scientists sought to learn if one disease may offer some protection against the other.
Now, scientists in China say they have identified an explanation.
A new study suggests that a specific protein released by cancer cells is able to cross the blood-brain barrier and interfere with the abnormal protein buildup associated with Alzheimer’s disease.
Researchers found that this protein can break up amyloid plaques — a hallmark of Alzheimer’s — offering new insight into the complex relationship between cancer and neurodegenerative disorders.
The study, published in Cell, found that proteins from cancer cells were able to cross the blood-brain barrier in mouse models of Alzheimer’s disease.
When researchers at Huazhong University of Science and Technology in Wuhan, China, injected these mice with three types of human cancer tumors — lung, prostate, and colon — the animals did not develop the characteristic plaques associated with Alzheimer’s.
The scientists then narrowed down the list of candidate proteins to one called cystatin C.
In additional experiments, they found that cystatin C can bind to the molecules that form brain plaques.
This process appears to send signals to a protein called TREM2 found on immune cells in the brain, which then prompts those immune cells to degrade the plaques.
Study author Youming Lu, a neurologist, reported that the mice performed better on cognitive tests after the intervention.
Dr. Donald Weaver, a neurologist at the University of Toronto, said the findings provide an interesting “piece of the puzzle” in developing new therapies to treat Alzheimer’s disease.
Identifying a protein that can activate TREM2 is especially valuable, he said, because scientists have been looking for ways to trigger that process for years.
If human clinical trials produce similar results, the research could point toward new approaches for treating Alzheimer’s disease, which affects an estimated 7.2 million people in the U.S.
Still, Weaver argued that “it’s going to take a cocktail of drugs to treat Alzheimer’s disease. There’s not going to be a magic bullet.”
Boosting NAD may help repower the mitochondria and protect organs and the brain. Read more.
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Street Ideas highlights early activity in small-cap names before they show up on mainstream radars. Stay ahead of the noise with alerts focused on real momentum, not hype.
As we head into 2026, the private-market landscape is shifting fast.
While the headlines focus on election noise, rate cuts, and volatility, the quietest opportunities continue happening off the public exchanges — in private deals reserved only for accredited investors.
And this next year is shaping up to be one of the most active cycles we’ve seen.
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Nvidia’s 3 Secret Partners (ad)AI is creating 1,600 new millionaires every single day. At the center of this frenzy sits Nvidia, now valued at $4.5 trillion. But most investors don’t know Nvidia has three secret partners, smaller companies that play almost impossible-to-replicate roles in GPU development. Without them, Nvidia’s business would be hamstrung. Because they’re largely ignored, these companies trade at far more attractive valuations, giving you a way to capitalize on Nvidia’s dominance without buying Nvidia itself. This is a pivotal moment for AI, but winning this trend requires playing smart, not reckless.
TITLEPRICEMARKET CAP24-HOUR VOLUME1-HOUR CHANGE1-DAY CHANGE7-DAY CHANGE Bitcoin (BTC)$87,967.65$1.76 trillion3.30 billion+0.39%-5.08%-1.97% Ethereum (ETH)$2,932.44$353.93 billion22.65 billion+0.01%-3.38%-1.56% Tether (USDT)$1.00$186.03 billion89.49 billion0.00%-0.04%-0.08% Waifu Token (WAIF)$454.82$126.67 billionN/A+0.45%-2.18%N/A BNB (BNB)$890.55$121.43 billion2.36 billion+0.08%-1.70%+0.02% XRP (XRP)$1.87$113.92 billion3.09 billion+0.17%-2.98%-3.26% Lido Staked ETH (stETH)$2,931.39$27.96 billion19.51 million+0.06%-3.30%-1.78% Wrapped TRON (WTRX)$0.29$25.73 billion3.31 million+0.02%+0.90%-1.72% Dogecoin (DOGE)$0.12$20.37 billion1.04 billion+0.06%-4.21%-3.82% Bitcoin Cash (BCH)$574.89$11.49 billion303.92 million+0.22%-3.73%-3.68%TOTAL+0.15%-2.57%-1.79% VIEW WATCHLIST Elon Warns “America Is Broke”. Trump’s Plan Inside. (ad)For the everyday American who’s worked hard to build their nest egg, Trump preserved a IRS loophole that allows you to protect your retirement savings before billions in American wealth are lost.
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It sounds impossible. Yet it happened – just a short time ago. Now a legendary figure says: “Brace yourselves. It’s about to happen here, in America. But fair warning – it could be the worst thing that ever happens to you.”
This story has received little coverage in the press. But if history repeats, it could bump tens of millions of Americans into a 7-figure net worth practically overnight.
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Bank of America’s Rock-Bottom P/E and 25% Upside Potential
Written by Sam Quirke on January 28, 2026
Summary
Bank of America trades at one of the lowest valuations among mega-cap stocks, even after a strong rally over the past year.
A recent pullback has provided some time to take profits without breaking the broader uptrend, improving the risk-reward setup.
Recently refreshed price targets point to solid upside potential heading into February.
Financial giantBank of America Corp (NYSE: BAC) did almost everything right in 2025. The stock logged a powerful rally, hit a record high, and finished the year in strong form. It even pushed on to fresh all-time highs in the first few trading days of January, and the bulls looked set to remain in control in 2026.
Then things cooled. A pullback set in, gathering pace after the bank’s earnings report two weeks ago, and knocking roughly 10% off the share price. On the surface, it has not been a great start to the year. But zoom out, and the picture isn’t actually that bad. The broader uptrend remains intact, selling pressure is already starting to look tired, and the stock’s valuation has reset to one of the lowest price-to-earnings (P/E) multiples among mega-cap stocks today.
With analysts falling over themselves to rate shares a Buy and many calling for an upside of at least 25%, Bank of America is quietly shaping up as one of the more interesting large-cap setups in the market heading into February. Let’s take a closer look.
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An Attractive Valuation
With a current reading of sub-14, Bank of America’s P/E ratio is officially the lowest of all mega-stocks right now. For those of us on the sidelines who believe the recent selling is more of a pause than the start of a reversal, that makes for a solid buy-the-dip opportunity.
When a stock dips like Bank of America did in the week before its quarterly earnings report, and then continues to fall following its release, you’d expect the report to have been bad.
However, Bank of America delivered yet another solid report, topping expectations on both revenue and earnings, impressing with its operating leverage and reporting provisions for credit losses that came in well below forecasts.
With that in mind, January’s pullback appears to have been driven more by broader market forces than any deterioration in Bank of America’s prospects.
Rising geopolitical tensions have been weighing on equities in recent weeks, and it looks like Bank of America’s shares were simply caught up in that shift to risk-off sentiment.
The lack of any major follow-through this week all but confirms the weakness was macro-driven. With the uptrend still intact and selling pressure starting to look tired, the stock’s resulting lower P/E ratio makes for a particularly interesting risk/reward profile.
Analysts See Meaningful Upside From Here
Adding to the sense that the market has been too negative is the fact that many analysts are calling Bank of America a red-hot Buy right now. The team at Goldman Sachs just reiterated its Buy rating while boosting its price target on the stock to $67.
Their call echoes similar moves from Morgan Stanley and TD Cowen, both of which reiterated Buy or equivalent ratings earlier this month with price targets of $64. Those targets imply an upside of more than 25% from current levels—not bad for a stock with a rock-bottom valuation.
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Risks Remain, But Are Largely Known
There are still some headwinds for the stock to contend with as we head into February. One of the more prominent is the proposed 10% cap on credit card interest rates announced earlier this month. If implemented, it could pressure profitability across parts of the consumer banking business.
That said, the market has had time to digest this, and the recent pullback likely has priced in that uncertainty. Plus, Bank of America’s diversified revenue base and scale provide a buffer from potential rate caps that smaller peers may lack.
Still, the bulls will need to stay strong in the coming sessions to prove that they’re back in control. Last week, the stock hit a deep low, and while it’s bounced since then, it remains to be seen if the $52 level is a hard floor.
If that floor holds, don’t be surprised to see the stock trade into the upper $50s or mid-$60s by the end of the quarter.
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When you see the role this company is playing in a $269 billion market, you’ll understand why he’s telling his 800,000 followers to put $1,000 into the stock NOW.
(And why BlackRock even made a multi-billion-dollar offer to buy the company behind it.)
Right now, institutional investors hold over 50% of the stock.
But the tide may soon be about to change, as more and more retail investors catch onto its extraordinary potential.
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America’s Golden Era Is Just Getting Started — Don’t Let the Woke Media Fool You!
America isn’t in chaos — it’s in motion.
Despite every headline from the woke media trying to paint the Trump administration as fractured, divided, and “in disarray,” the truth is unmistakable: President Trump is pushing forward with decisive action for the American people.
While the liberal press spins fear and distraction, real progress is happening every single day.America’s Golden Era isn’t a slogan — it’s now a reality in motion.
And you deserve to know the real story.
At Newsmax, we bring you the news they don’t want you to see — straight, unfiltered, and fact-based.
That’s why you need Newsmax+ — home to the coverage the woke media ignores.
Yes, even President Trump himself says Newsmax is “just terrific.” And right now, Newsmax+ is FREE to start!
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Here’s what the Trump administration has rolled out in just the last 30 days — moves the legacy media refuses to cover with the seriousness they deserve:
Trump’s Latest Initiatives and Action Items
Signed an executive order to cut bureaucratic red tape and speed rebuilding of homes destroyed by the 2025 California wildfires.
Launched “Trump Accounts” — a new program that provides $1,000 for every American newborn to be invested for their future, boosted by private sector contributions from major companies.
Major corporations like JPMorgan & Bank of America are matching Trump Account contributions to expand impact for U.S. children.
Added 15 new medications to the Medicare drug-price negotiation program to help seniors save on costly prescriptions.
Intensified pressure on Iran with a strong military posture to defend U.S. interests and stop nuclear escalation.
Holding Cabinet meetings to tackle government priorities, including reopening air travel to Venezuela and launching the TrumpRx drug pricing resource.
Expanding foreign aid restrictions to stop DEI and “gender ideology” funding overseas, pushing back against woke global agendas.
Demanding sanctuary city reforms and stronger federal enforcement to protect communities.
And of course, this is all on top of the historic momentum he’s already built — from securing the border and reshaping foreign policy to reigniting American industry and revitalizing national pride.
While the mainstream media obsesses over chaos, protests, and conflict, President Trump is delivering real, measurable results for working Americans.
That’s the story you’ll find on Newsmax+ — not the distorted version pushed by outlets with an agenda.
Get started with Newsmax+ for FREE and see what they don’twant you to see.
America’s Golden Era has just begun — and we’re here to cover it.
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Conservative commentator, bestselling author, and former FBI Deputy Director Dan Bongino returns Feb 2 with The Dan Bongino Show – a new two-hour live podcast, airing exclusively on Rumble Mon–Fri, 10 am–12 pm ET, plus on-demand audio everywhere you get your podcasts. After a year of service and major FBI reforms, Dan brings his trademark energy, passion, and insider perspective back to his loyal audience. Don’t miss it.INSPIRED
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RJ Hamster 