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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The best relationships encourage your growth, not your smallness. Surround yourself with people who want to see you soar, not stay stuck.CHOOSE GROWTH TOGETHER
You’re always one blessing away from a brighter day… and a bigger life. May these stories, affirmations, prayers, and insights lift your spirits and inspire you to lift others.
Good News For Our Portfolio And A Positive Signal For The U.S. Economy
This is the free version of Complete Investor, which provides analysis and insights. Paid subscribers get access to the full issue, including investment recommendations with buy-up-to prices, a real-time portfolio, and more. Click here for details.
Energy was our top investment theme entering 2026, and we haven’t been disappointed.
The broad energy sector – as tracked by the State Street Energy Select Sector SPDR ETF (XLE) – broke out to an all-time high in January. And our Complete Investor energy recommendations have performed well, up an average of 13% year-to-date (“YTD”) versus a decline of around 1% in the S&P 500.
But energy isn’t the only notable outperformance YTD. As market darlings like technology and software stocks have cooled off or worse – see our update on customer-management platform Salesforce (NYSE: CRM) below – there has been a rotation into stocks in less popular sectors and industries like materials, industrials, transportation, and consumer staples, all of which have also broken out to all-time highs this year.
For the first time in years, we’re seeing significant outperformance in “real economy” stocks – those that produce tangible goods and services – that have been largely forgotten during the Big Tech and AI boom. This week’s list of 52-week highs includes such “boring” names as Coca-Cola (KO), Johnson & Johnson (JNJ), FedEx (FDX), and Caterpillar (CAT), as well as several of our favorite Complete Investor Forever Stocks like British American Tobacco (NYSE: BTI), Deere & Company (NYSE: DE), and The Hershey Company (NYSE: HSY).
This is good news for our portfolio, but it’s also a positive signal for the U.S. economy. Unlike the broad market indexes – which due to their heavy market-cap weighting to technology can diverge significantly from the real economy at times – these stocks are more directly tied to economic activity and consumer spending. And while they aren’t necessarily dependent on a strong economy to perform, they tend to do better when the economy is humming along.
Since the COVID-19 pandemic, we’ve heard frequent talk of the “K-shaped” economy. This is the idea that the fortunes of wealthy and higher-income Americans have recovered and improved (the top arm of the “K”), while those of lower- and middle-income earners have deteriorated (the bottom arm of the “K”).
Intuitively, this makes sense. Those at the top have benefited tremendously from higher asset prices over the past several years. They’ve also benefited from the Fed’s aggressive rate hikes, which have allowed them to earn relatively high, risk-free yields by parking excess cash in short-term Treasury bills. On the other hand, those on the bottom – who naturally own far fewer assets – have seen their wages eroded by inflation without the offsetting benefit of higher asset prices. Meanwhile, the Fed’s “higher for longer” interest rate policy has made credit much more expensive and difficult to access.
The net result of this divergence has been an economy that has “muddled along” for the past several years. Growth has remained tepid at best, yet the economy has also continued to defy many economists’ predictions of a recession.
The following chart of the Institute of Supply Management’s (“ISM”) Manufacturing Purchasing Managers’ Index (“PMI”) illustrates this point. As you can see, rather than the sharp V-shaped recovery we’ve seen following previous slowdowns, this indicator of economic activity has remained in slight contraction (below 50 on the chart) for most of the past three years.
But this may finally be changing. Earlier this week, the ISM reported that the PMI moved sharply higher into expansion territory (52.6) in January for the first time since 2022.
While one month does not make a trend – and commentary from purchasing managers suggest at least some of this improvement was due to post-holiday restocking and customers trying to “get ahead” of tariff-related price increases – this report adds further credence to the breakout in “real economy” stocks. It suggests the U.S. economy could be re-accelerating for the first time in years.
Of course, plenty of risks to both the economy and markets remain. The U.S. government’s runway spending shows no signs of slowing. Inflation remains “sticky.” And while the Trump administration has taken some positive steps – via deregulatory efforts and pro-growth initiatives in the One Big Beautiful Bill Act, such as no tax on tips and 100% bonus depreciation for businesses – its aggressive tariff policies are still a significant headwind.
Kevin Warsh, President Trump’s nominee for the next chair of the Federal Reserve, is also a wildcard. Warsh has publicly agreed with the president on lowering interest rates further, arguing that AI-fueled productivity gains will give the Fed room to cut rates without stoking inflation.
However, as Porter explained in a recentDaily Journal, Warsh has also been a harsh critic of the Fed’s quantitative easing (“QE”) programs, and has advocated winding down its “bloated” balance sheet and limiting the central bank’s purchases to short-term Treasury bills in emergencies only.
Warsh still has to be confirmed as chair… and it’s not yet clear to what extent – or how quickly – he would seek to enact this kind of “regime change” at the Fed. But as Porter noted, if Warsh is determined to unwind the Fed’s balance sheet and end the “Greenspan put,” a severe recession may be unavoidable.
For now, we see no reason to make significant changes to our portfolio. We continue to recommend focusing on high-quality companies with attractive valuations and healthy free cash flows that can generate strong risk-adjusted returns in any market environment.
In this issue of Complete Investor, we provide updates on 11 stocks in our recommended portfolio, including three of our favorite property and casualty (P&C) insurance firms, an under-the-radar company poised to return to growth, and a fast-growing e-commerce giant trading at a distressed valuation due to overblown regulatory fears.
If you don’t have access to the full issue below, click here to subscribe to Porter Stansberry’s Complete Investor.
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Disclaimer: Nothing in this email should be considered personalized financial advice. Do not consider any communication between you and Porter & Company, and its employees or writers as financial advice. This work is based on SEC filings, current events, interviews, corporate press releases, and what we’ve learned as financial journalists. It may contain errors, and you shouldn’t make any investment decision based solely on what you read here. Insight is provided to help readers gain knowledge and experience. All investments carry risk. Readers should not trade if they cannot handle a loss and should not trade more than they can afford to lose. Consider consulting with a professional before making investment decisions. Please be aware that by accessing this publication, you acknowledge and agree that Porter & Co. and its editors and affiliates may, at any time, buy or sell securities discussed in this publication without prior notice. This may result in potential conflicts of interest, as Porter & Co., its editors, and affiliates may have a financial interest in the securities mentioned. The views expressed in this publication are subject to change without notice and reflect the personal opinions of the authors and speakers.
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Breaking News Updates – February 05, 2026Rehearsing Control: The WHO Practices For The ‘Next Pandemic’ On the surface, preparedness sounds wise. But prudence becomes something far darker when preparation quietly shifts power away from nations, families, churches, and consciences–and concentrates it in the hands of unelected global authorities. When Machines Begin To Imitate The Image Of God: Humanoid AI Is Coming A humanoid robot unveiled recently in Shanghai is not merely another step forward in artificial intelligence – it is a signal flare for where humanity may be heading. Developed by the Chinese firm DroidUp, the robot known as Moya has captured global attention for one unsettling reason: it does not behave like a machine. A Generation Alone? Nearly Half of Women May Be Single And Child-Free by 2030 By 2030, nearly half of women between the ages of 25 and 44 are expected to be single and child-free. Not delayed. Not undecided. But living outside marriage and motherhood during what has historically been considered the prime years for building a family.
Christians In Canada Fight Back, Stalling Hate Speech Bill – For Now For weeks, a quiet but determined movement has been building across Canada. It hasn’t involved riots, burning streets, or angry mobs. Instead, it has taken shape through phone calls, town halls, petitions, prayer, and persistent civic engagement. And–for now–it has worked.
Turmeric is probably the most well-known food PROVEN to fight inflammation and joint pain.
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Global marketing spend is massive. The decision-making is sloppy. RAD Intel fixes that.
Global marketing spend crossed $1 trillion in 2025 and is projected to grow another 5%+ in 2026.
That kind of growth makes one thing clear: brands are still paying heavily to be seen — but getting noticed has never been harder. Yet, every year, companies pour money into ads just to stay in front of buyers – with too much of it wasted.
RAD Intel was built to fix that.
It uses AI to read real behavior in real time. How people talk, what they obsess over, and what they ignore – so marketers can see which ideas are likely to work before they pour money into ads. Instead of waiting on post mortem reports, RAD Intel helps brands choose better audiences, better creatives, and better placements upfront, so more of the budget does its job instead of disappearing.
RAD Intel already supports campaigns touching a who’s-who roster of Fortune 1000 brands, delivered 3.5x ROI, 2x sales growth in 2025, with multiple seven-figure contracts locked for 2026 – and it’s only February.
That kind of traction comes from treating ad spend like an investment, not a guess — tightening the feedback loop, cutting what doesn’t perform, and giving more dollars to the ads that actually move the needle.
For investors, RAD Intel’s SEC-qualified Reg A+ is currently open. Shares are available at $0.85 per share.
If you’re watching where marketing dollars are going next — and which American companies are building real infrastructure behind that spend — RAD Intel is worth a closer look while the Reg A+ remains open, for now.
This is a paid advertisement for RAD Intel made pursuant to Regulation A+ offering and involves risk, including the possible loss of principal. The valuation is set by the Company and there is currently no public market for the Company’s Common Stock. Nasdaq ticker “RADI” has been reserved by RAD Intel and any potential listing is subject to future regulatory approval and market conditions. Brand references reflect factual platform use, not endorsement. Investor references reflect factual individual or institutional participation and do not imply endorsement or sponsorship by the referenced companies. Please read the offering circular and related risks at invest.radintel.ai.
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WORDS OF WISDOM “In my view, the composer, just as the poet, the sculptor or the painter, is in duty bound to serve Man, the people. He must beautify human life and defend it.” —Sergei Prokofiev
Conservative commentator, bestselling author, and former FBI Deputy Director Dan Bongino has returned to the airwaves, bringing his trademark energy, passion, and insider perspective back to his loyal audience. The Dan Bongino Show is a two-hour live podcast, airing exclusively on Rumble Mon–Fri, 10 am–12 pm ET, plus on-demand audio everywhere you get your podcasts. Don’t miss it.INSPIRED
“All happy families are alike; each unhappy family is unhappy in its own way.”
That’s the opening line in Leo Tolstoy’s “Anna Karenina.” It’s an eye-catcher, but one wonders if he’d write those words if he were living in 21st-century America. Distinctions marking unhappy families may still apply, but more and more of those families share one thing in common: Estrangement.
This phenomenon—siblings breaking all contact with siblings, adult children turning their backs on parents and grandparents, or vice versa—is growing, and growing fast. A 2025 YouGov poll found that 38 percent of American adults are estranged from at least one family member. North Carolina writer and therapist Paula Rinehart wrote that “about 1 in 4 adult kids has reportedly gone ‘no contact’ with a parent.”
Columnist Mirinda Kossoff shares the heart-wrenching story of her estrangement from her two middle-aged sons, who apparently sided with their father during a divorce many years earlier. Psychologist and writer Andrea Gurney notes that, in her practice and all around the country, “A growing cultural phenomenon known as ‘going no contact,’ in which an individual severs ties with a family member, has become increasingly common.”
These same commentators and others identify a multitude of causes for this trend. Physical and mental abuse craters some relationships. With divorce, a child who identifies more closely with a mom or dad may cut off the other completely when reaching adulthood.
Additional toxins are now poisoning family relationships. A major shift in American culture, emphasizing individual happiness and fulfillment over family obligations, has created tensions that finally snap.
Some critics point as well to helicopter parenting as a cause, the widespread practice of closely monitoring and guiding children that was rare 50 years ago, which consequently drives some young adults to rebellion and going no contact.
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We all know gold is the king of safety, but there is a “secret scarcity” developing in silver that offers a second safe haven for your retirement savings.
Samsung has developed a technological revolution for batteries, creating a demand for silver that most mines cannot meet at scale.
Scarcity creates true monetary value, unlike the over-inflated stocks in your 401(k).
The demand to scarcity ratio of silver gives you a simple answer to one of the biggest decisions of your lifetime.
Don’t bet your future on the paper promises of overvalued stocks, protect your nest egg with the trusted safety of silver and gold.
Thanks to an IRS loophole, you can legally transfer the value of your 401(k), TSP, Pension, or IRA into physical silver and gold.
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He’s using the Pentagon to stockpile gold for America, by taking ownership in companies with massive gold deposits.
It’s being framed as being for “national defense” and “critical minerals.”
But don’t overlook the access to gold.
He’s even building portable military refineries to process the metals on secure bases. So it never leaves government custody.
Why is he doing this? Because he understands…
Gold is the Ultimate Insurance Policy
If my father is going to these lengths to secure gold for the country, what do you think you should do?
The same thing he’s doing.
And this is why I recommend a Gold IRA from my trusted friends at Birch Gold Group. These accounts let you transfer your current IRA or 401(k) into real gold, without paying a dime in fees or penalties.
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*Terms and Conditions: Book from November 25, 2025 to February 9, 2026. Receive savings of up to 20% on select voyages as indicated on expeditions.com/campaign/anniversaryoffer. Applicable savings will be deducted from cabin fare after any additional applicable savings with the purchase of cabin fare. Receive 50% off the deposit due at the time of booking on select 2026 and 2027 voyages outside of final payment. Remaining deposit balance is due at the time of final payment. Additional restrictions may apply. Offers valid on new bookings only for select 2026 and 2027 departures, subject to availability and offer may be withdrawn at any time without prior notice, not applicable on airfare or extensions, and may not be combined with other offers. Call for details.
February 5, 2026 — A New Priority: Your Debt Relief in the “American Rebirth”
For years, many Americans have felt like their tax dollars were being prioritized elsewhere. In 2026, the current administration has turned the focus back to you.
As the President reshapes the federal budget to put American citizens first, new avenues for IRS debt resolution have been reinforced. If you owe $10,000 or more, these policy shifts could provide the relief you’ve been waiting for.
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RJ Hamster 