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
On March 18, 2026, The Options Industry Council (OIC)® will continue its free educational webinar series with a focus on advanced Greeks and strategic decision-making.
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Advanced Greeks: Core Drivers of Option Pricing and Strategic Decision-Making Date: Wednesday, March 18, 2026 Time: 3:30 P.M. CT Where: Online Duration: 1 hour
Best regards,
The Options Industry Council
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Stop babysitting charts and start leveraging the moves that happen while the rest of the world is asleep.
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Gianni Di Poce just flagged something that stopped me in my tracks. Fund managers dumped stocks last week at one of the fastest rates in history.
Yet Bitcoin and Ethereum have held firm through the entire selloff.
That disconnect matters. Gianni’s read is straightforward: if crypto were getting hammered alongside equities, we’d be in a genuine risk off environment. Crypto rallying during turbulent conditions signals the selloff may not be as severe as the headlines suggest.
Stocks are bid again today after Monday’s strong session. The Nasdaq is leading, the Russell 2000 is up the most, and semiconductors continue outperforming the broader market. That last point is a risk on signal Gianni has been tracking closely.
But there is a problem lurking beneath the surface. Crude oil is calling the shots.
Gianni showed that the VIX is trading nearly in lockstep with oil prices. Rising oil is fuel for bears, and with the Iran conflict escalating, that pressure is not going away soon.
The Fed meets tomorrow. No rate cut is coming. Gianni is focused on the rhetoric, specifically whether Powell will acknowledge the stress building in private credit markets.
That stress matters because of the historical parallel. The 2023 regional banking crisis hit right around this same time of year. The Fed stepped in with backdoor interventions, and that turned out to be a fantastic time to buy stocks. Gianni raised the possibility that this private credit crunch could set up the same way.
Here is what Gianni covered in tonight’s video:
Financials are seeing massive outflows as the second largest sector in the market behind technology. That rotation is creating serious headwinds for the indices.
The S&P 500 has closed near the lows of its daily range for four consecutive sessions. Gianni flagged that as unhealthy price action heading into a Fed decision.
Circle Internet Group, a major stablecoin issuer, just hit Gianni’s upside target at $128. He locked in a 33% gain on the first half of the position through Trinity Trades.
The day after Fed day matters more than Fed day itself. Gianni expects the dollar to pull back post-meeting, which could provide a tailwind for precious metals and risk assets.
Gianni also laid out his long term thesis: the Nasdaq could rally as high as 100,000 over the next few years as the second wave of AI plays out. The noise right now is masking an abundance of opportunities at the individual stock level.
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As a contrarian investor, I find myself drawn to these words from Mark Twain…
Whenever you find yourself on the side of the majority, it is time to pause and reflect.
Twain warns against blind conformity. The majority may rule, but they aren’t always correct. History is full of moments when most people believed something that turned out to be wrong.
I believe worthwhile agreement should come from reasoning, not crowd behavior.
Today, I’d like to pause and reflect… especially before my FutureProof 2026event, which I’m holding tomorrow, March 18, 2026, at 1:00 pm ET (you can reserve your spot for that free broadcast here).
As I was prepping for this specialbroadcast, I came across a piece of high-end research not available to the public. It’s from one of the leading market foresight and strategy firms.
This type of research isn’t even sold online. Access typically requires direct inquiry.
You get the idea.
But I was able to review it — and it confirmed something important…
I thought I was one of only a few contrarian voices speaking about AI’s emerging bottlenecks. But I’m actually joined by a growing chorus of voices behind Wall Street’s closed doors.
And when agreement starts forming behind closed doors, it’s often a signal something bigger is already underway…
Renowned Futurist, Eric Fry, has been seen on CNBC repeatedly recently voicing a highly contrarian call. “Nvidia, Amazon and Tesla are ticking time bombs in investors’ portfolios,” he says. Instead, he’s sharing three NEW stocks positioned to take over as the tech kingpins of tomorrow. Get Eric’s full “Sell This, Buy That” list right here.
The Most Crowded Trade in the Market
It may be the most contrarian view at the moment: to rotate capital away from Big Tech and into a new class of smaller “asset-heavy” companies.
That’s because Big Tech is the market.
Companies like Nvidia Corp. (NVDA), Microsoft Corp. (MSFT), Apple Inc.(AAPL), Amazon.com Inc. (AMZN), and Alphabet Inc. (GOOGL) make up a large portion of the S&P 500 and the tech-heavy Nasdaq Composite.
AI is the dominant narrative right now. Capital continues to flow into these names because investors see them as the core beneficiaries of the AI boom.
So, most investors stay long – even if these hyperscalers’ valuations look stretched.
But when everyone agrees Big Tech is the place to be… that’s exactly when a contrarian pauses and reflects.
For more than two decades, markets have rewarded “asset-light” digital companies focused on software, social media, and the internet.
These companies scaled quickly, required little capital, and generated enormous margins. But AI is changing that dynamic.
Artificial intelligence is forcing Big Tech to become capital-intensive.
These so-called hyperscalers are having to spend enormous amounts on AI data centers and other infrastructure. As a result, their capital expenditures are rising rapidly while free cash flow is coming under pressure.
The AI capital expenditures by the five major hyperscalers now consume more than half of their pre-CapEx cash flow.
Just yesterday, Meta Platforms Inc. (META) said it plans to spend up to $135 billion in AI-related costs in 2026.
The research notes that free cash flow at the Big 5 hyperscalers could be cut in half between the end of 2025 and the end of this year due to AI spending:
But now, we see that capex as a percentage of operating cash flow for hyperscalers is likely to be more than double what it was three years ago. And as a result, their trailing-4Q free cash flow is likely to be cut in half between 4Q 2025 and 4Q 2026. Note that these five stocks account for nearly one-fifth of the S&P 500’s total market cap.
So far, however, investors are turning a blind eye to this troubling trend. The popular storyline seems to be that these titanic investments, while onerous over the short term, will reap major benefits over the long term.
Pause. Reflect.
I have been warning against the high valuation of Big Tech companies for months. In the beginning of this year, I wrote to my subscribers…
In 2026, the most crowded trade in the market does not need a collapse, a recession, or a crisis to lose money. It merely needs valuations to adjust to a world where the Mag 7 stocks do not produce robust cash flow and fat profit margins as reliably as they did in the past.
That world has arrived.
From a Demand Economy to a Supply Economy
The global economy is shifting: We’re moving from a demand-constrained economy to one constrained by supply. The research I got access to highlights bottlenecks in key areas, including:
Processing capacity
Energy
Metals
Minerals
I’ve been sounding the alarm on a few of those over the past several days. There is a raw materials bottleneck forming, for example, and those behind Wall Street’s curtain agree.
It’s simple: You cannot build AI infrastructure without massive amounts of physical materials.
And compared to relative global wealth, the metals and raw materials sector is tiny. This means even small capital flows into mining companies could cause huge share-price increases.
Geopolitics plays a part in the equation here…
China controls around 70% of global processing for many critical minerals. The country dominates the smelting, refining, and mineral processing stages.
China can influence global prices by restricting exports, adjusting smelting capacity, and manipulating supply chains.
And while China expands refining capacity, Western smelters are shutting down. The result is a structural shortage in metals processing.
That pushes prices higher.
For my FutureProof 2026event, I’ve identified several raw materials companies positioned to benefit as this bottleneck grows in the years ahead, all while Big Tech stands at the ready, checkbooks in hand.
And it’s not just raw materials.
I’ll lay out the real impact of these constraints… the stocks I believe you should sell… and the names and tickers I think stand to benefit as this shock plays out.
A Narrow Window to Act
This is not a general market outlook.
This is a specific, time-sensitive call – and I built my FutureProof 2026event around it because I believe the window to act is narrow.
Right now, that contrarian view is starting to spread.
That means getting ahead of the curve before this contrarian view bursts into the mainstream.
I’m already starting to feel the tremors – just like I did prior to the dot-com bust when I protected my readers from huge losses and guided them into stocks that soared while tech stocks were crashing.
That’s why I believe investors need to act before this shift moves into the mainstream… and likely before the end of April. That’s when I believe $10 trillion in wealth concentrated in Big Tech stocks will rotate into the companies that supply the physical goods needed for the continued AI buildout.
I believe the earnings announcements from several of the Magnificent Seven companies between April 24 and May 1 – specifically their language around “pacing” and “supply constraints” – will trigger the smart money to do the math.
In fact, we’re already hearing early hints.
Just a few days ago, Nvidia’s head of AI infrastructure expressed the “exciting opportunity” central processing units (CPUs) present. They are “becoming the bottleneck in terms of growing out this AI and agentic workflow.”
But I believe the investment opportunity is even more granular – and profitable – than that.
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RJ Hamster 