Author Archives: RJ Hamster

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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Matthew 14:22-33 – Jesus Walks on Water: Miracle and Lesson of Faith in the Storm

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Matthew 14:22-33

(22) And straightway Jesus constrained his disciples to get into a ship, and to go before him unto the other side, while he sent the multitudes away. (23) And when he had sent the multitudes away, he went up into a mountain apart to pray: and when the evening was come, he was there alone. (24) But the ship was now in the midst of the sea, tossed with waves: for the wind was contrary. (25) And in the fourth watch of the night Jesus went unto them, walking on the sea. (26) And when the disciples saw him walking on the sea, they were troubled, saying, It is a spirit; and they cried out for fear. (27) But straightway Jesus spake unto them, saying, Be of good cheer; it is I; be not afraid. (28) And Peter answered him and said, Lord, if it be thou, bid me come unto thee on the water. (29) And he said, Come. And when Peter was come down out of the ship, he walked on the water, to go to Jesus. (30) But when he saw the wind boisterous, he was afraid; and beginning to sink, he cried, saying, Lord, save me. (31) And immediately Jesus stretched forth his hand, and caught him, and said unto him, O thou of little faith, wherefore didst thou doubt? (32) And when they were come into the ship, the wind ceased. (33) Then they that were in the ship came and worshipped him, saying, Of a truth thou art the Son of God.

Mark 6:45-52

(45) And straightway he constrained his disciples to get into the ship, and to go to the other side before unto Bethsaida, while he sent away the people. (46) And when he had sent them away, he departed into a mountain to pray. (47) And when even was come, the ship was in the midst of the sea, and he alone on the land. (48) And he saw them toiling in rowing; for the wind was contrary unto them: and about the fourth watch of the night he cometh unto them, walking upon the sea, and would have passed by them. (49) But when they saw him walking upon the sea, they supposed it had been a spirit, and cried out: (50) For they all saw him, and were troubled. And immediately he talked with them, and saith unto them, Be of good cheer: it is I; be not afraid. (51) And he went up unto them into the ship; and the wind ceased: and they were sore amazed in themselves beyond measure, and wondered. (52) For they considered not the miracle of the loaves: for their heart was hardened.

John 6:15-21

(15) When Jesus therefore perceived that they would come and take him by force, to make him a king, he departed again into a mountain himself alone. (16) And when even was now come, his disciples went down unto the sea, (17) And entered into a ship, and went over the sea toward Capernaum. And it was now dark, and Jesus was not come to them. (18) And the sea arose by reason of a great wind that blew. (19) So when they had rowed about five and twenty or thirty furlongs, they see Jesus walking on the sea, and drawing nigh unto the ship: and they were afraid. (20) But he saith unto them, It is I; be not afraid. (21) Then they willingly received him into the ship: and immediately the ship was at the land whither they went.
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Christ’s miracle of walking on the water (Matthew 14:22-33; Mark 6:45-52; John 6:15-21) took place soon after feeding the 5,000. The next day He preached a sermon in the synagogue that turned their rejoicing into near total rejection—almost all but the twelve disciples left Him. A representative of God must not trust in human praise nor withhold the truth to try to please people. Instead, as a true witness, he must preach God’s truth regardless of the world’s disapproval.

Later, Jesus told His disciples to set out in their boat for the western shore of the Sea of Galilee. At three hours after midnight, straining at the oars against the storm, they were still only halfway across the lake. In a contrary wind and tossed by the waves, the disciples did not realize that Jesus was fully aware of their difficulty. They were about to learn of His sympathy and willingness to come to their aid. He approached the distressed disciples in an entirely unexpected way, by walking on the turbulent sea as if it were stable as rock.

Clearly, He had been praying for and watching out for them while on the mountain, but when He passed near them, they did not recognize their Savior. The night was extremely black in the storm, and their nerves were on edge with fear. Under these conditions, they thought He was a spirit, an ominous apparition of some kind. But He encouraged them immediately with familiar reassurance: “Be of good cheer! It is I; do not be afraid.” Later in their lives during times of anxiety, this moment probably came to mind as a lesson deeply received and continually comforting.

— Martin G. Collins

To learn more, see:
The Miracles of Jesus Christ: Walking on the Water (Part One)

Topics:

Chain Reaction of Fear

Do Not be Afraid

Faith vs Fear

Fear

Miracles of Jesus Christ

Miracles of Jesus Christ: Walking on Sea

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All the Ways You Can Avoid Probate (Part 2)

Carlson's Retirement Watch Weekly Retirement Reports Retirement Articles

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All the Ways You Can Avoid Probate (Part 2)

by Bob Carlson
Editor, Retirement Watch

03/08/2026

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Bob Carlson In our last edition of Retirement Watch Weekly, I shared some estate planning tips on how to avoid probate. Let’s look at some more ways today…

A transfer on death provision (TOD) is another approach to avoid probate.

Most financial institutions now have transfer on death provisions in their new account applications and allow the designation to be changed or added later.

Transfer on death provisions, also known as payable on death (POD) accounts, are allowed in real estate deeds in many states.

The transfer of a financial account with a transfer on death provision is similar to the transfer of a retirement account.

After the original owner passes away, the account is turned over to the beneficiary or put in his or her name once the financial institution receives the death certificate and some other information.

The probate court isn’t involved.

You can name multiple beneficiaries and specify the percentage of the account each will inherit.

Unlike a joint account, the beneficiaries under a TOD have no rights in or access to the account while the owner is alive.

Also, you can change the beneficiaries or make other changes at any time without anyone’s approval or knowledge, as long as you are deemed to be mentally competent.

A transfer on death provision (TOD) account is not safe from the estate’s creditors in most states.

Also, if you are married, in most states the surviving spouse has rights to the TOD account before any other beneficiaries do. You might come across the traditional term Totten trust. That’s another name for a TOD or payable on death (POD) account, though there’s no trust involved.

Be sure your executor or the beneficiaries know about the account and the TOD provision. Otherwise, it could be lost.

Two other ways to avoid probate are the life estate and the variation known generally as a ladybird deed.

They most frequently are used with real estate, but the life estate can be used with most types of property.

An owner of property can split the title into a life estate and remainder estate.

The life estate holder usually is the current owner, and one or more beneficiaries have the remainder estate.

The life estate holder has unlimited use of the property during his or her life but generally can’t sell, give, or encumber the property without the consent of the remainder owner.

The life estate holder also can’t change the remainder owner or alter the remainder owner’s rights without the consent of the remainder owner.

After the life estate owner passes away, the remainder interest owner receives full title to the property by operation of law without going to the probate court.

The ladybird deed variation is very much like a TOD for real estate.

The initial owner has unlimited control of the property.

Without asking the remainder owner or beneficiary, the initial owner can sell, give, or encumber the property and can terminate the rights of the remainder owner without the remainder owner’s consent.

If the initial owner sells the property, the sale proceeds don’t have to be shared with the remainder owner.

There’s a trick to ladybird deeds regarding the property’s insurance.

Legal title to the property passes to the beneficiary as soon as the initial owner dies.

If the beneficiary wasn’t named as an insured in the insurance on the property, the beneficiary isn’t covered if something happens to the property shortly after the initial owner dies.

In a recent case, a niece inherited a home under a ladybird deed. But the ex-wife of the deceased owner set fire to the property a few days after the owner died.

The niece wasn’t named as an insured in the deceased owner’s homeowner’s policy and hadn’t yet obtained new coverage, so she received no insurance benefits.

Also, the deceased’s estate couldn’t claim benefits, because it no longer had a legal interest in the property.

The estate planning lesson? All owners and beneficiaries in a ladybird deed should have insurance coverage.

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Click here for the strange truth.CLICK HERE…Another possible way to avoid probate is to create an inheritance agreement, a contract in which the owner agrees that another will inherit the property after the owner’s death.

The contracts most frequently are used among business co-owners. A court isn’t involved unless there’s a disagreement about the contract.

The agreements, however, can be cumbersome, and there aren’t many court precedents for them, especially when business co-owners aren’t involved.

It is better to use one of the other methods above to avoid probate.

When using any method of avoiding probate, it’s important to understand the potential gift tax consequences.

Adding someone as a joint owner to your account or creating a remainder interest for someone in your property is a gift.

The gift tax consequences depend on the amount of the gift. If the value of the gift exceeds the $16,000 annual gift tax exclusion, a gift tax return probably has to be filed.

The value of the gift exceeding $16,000 will reduce your lifetime estate and gift tax credit, or exemption.

There will be gift taxes due only after your lifetime exemption is exhausted.

There are no gift tax consequences for naming someone as the beneficiary of a living trust, retirement account, life insurance policy, annuity, TOD or ladybird deed.

Those are all incomplete gifts, because the beneficiary designation can be changed at any time and the beneficiary has no rights until the property owner passes away.

Keep in mind that avoiding probate is different from excluding assets from your taxable estate.

The assets you have lifetime ownership or use of are likely to be included in your estate for tax purposes, even when they avoid probateTo a better retirement,

Bob Carlson
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Want More Retirement Advice?

Check out my website, RetirementWatch.com, where you’ll find hundreds of free articles covering every aspect of retirement planning.

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About Bob Carlson:

Bob Carlson Robert C. Carlson is the author of the books The New Rules of Retirementand Retirement Tax Guide, editor and investment director of the popular retirement newsletter, Retirement Watch, and editor of the free weekly e-letter, Retirement Watch Weekly. Bob is a frequent speaker at investment conferences around the country, and you can also hear Bob as a featured guest on nationally-syndicated radio shows, such as The Retirement Hour, Dateline Washington, Family News in Focus, The Michael Reagan Show, Money Matters and The Stock Doctor.

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First team to advance: The defending champs

Sunday, March 08

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TOP NEWS

See you in Miami: Japan surges to next round

Samurai Japan was the first squad to advance to the Classic quarterfinals, and then thanks to a clutch HR by Masataka Yoshida, it edged gritty Australia to secure the top seed in Pool C.

Classic’s 2nd walk-off HR of the day completes wild Puerto Rico comeback

1st walk-off HR in Classic history! Netherlands stuns Nicaragua on Albies blast

Arraez’s surprise pop (2 HRs!) sets Classic mark in Venezuela’s romp over Israel

Instant Classic: Chinese Taipei stays alive with wild extra-inning win over Korea

Could Skubal pitch again for Team USA? ‘It’s hard to walk away from that’

Day after dramatic walk-off, Netherlands faces tall task vs. stacked D.R. (noon ET, FOX)

Colombia, Cuba set to lock horns for first time in Classic history (noon ET, FS2)

Vying to remain unbeaten in Pool A, Canada meets Panama (7 p.m. ET, FS2)

A 41-year-old firing 4 no-hit frames? Must be Mad Max

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PLAY A SPORCLE BASEBALL QUIZ!

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Schwarber’s majestic HR helps turn duel to rout

Kyle Schwarber drilled a 427-foot go-ahead homer as part of a five-run fifth inning as the USA improved to 2-0 in the World Baseball Classic with a victory over Great Britain.

Is this already the best Classic catch?!

NBA star Klay Thompson isn’t the only person in his family with impressive leaping ability. His brother, Trayce, showed off his own hops with an incredible HR robbery for Great Britain.

An animated gif of Trayce Thompson robbing a home run

Amazing facts and stats from yesterday’s games

A pair of long overdue walk-off home runs and the surprising power of Luis Arraez were among yesterday’s most fascinating World Baseball Classic tidbits.

Puerto Rico celebrates after a walk-off homer

‘In Italy, we drink coffee about 20 times a day’

Italy celebrated in style during its victory over Brazil, enjoying a shot of coffee from its dugout espresso machine after hitting home runs.

Dante Nori drinks a shot of coffee in the dugout

Target practice for Caissie on clutch HR

Owen Caissie opened the scoring for Canada as it defeated Colombia, and his long ball was particularly patriotic as it found a Canadian flag that two fans brought to the game.

Two fans in the stands hold up a Canadian flag

How the ’24 Draft could impact 2026

We have already seen players from the 2024 MLB Draft make an impact in the Major Leagues, and more should be on the way soon.

Spring Training doubleheader on MLB Network

Catch the Yankees and Mets in Grapefruit League play at 1 p.m. ET, followed by Cactus League action when the Giants battle the Cubs at 4 (available in Giants market).

Logos for Spring Training and MLB Network

MLB The Show 2026: Ratings Reveal

Where does your favorite player rank in the video game MLB The Show’s 2026 ratings? Find out at 12 p.m. ET on MLB Network.

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SCOREBOARD

MIA 4
HOU 5

PIT 5
DET 3

NYM 3
STL 2

TB 0
BOS 2

MIN 2
BAL 3

TOR 1
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BAL 2
ATL 2

CIN 2
KC 6

ATH 3
CHC 4

SD 1
CLE 7

TEX 5
SF 7

SF 7
AZ 4

CWS 5
SEA 1

MIL 7
LAA 1

LAA 3
ATH 0

NYY 0
WSH 3

COL 6
LAD 4

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Celebrate Her with Tulips

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Celebrating the Women Who Shape Exploration at Lindblad Expeditions

MEET 7 INSPIRING WOMEN HELPING SHAPE OUR EXPEDITIONS

Throughout my career, I have believed that the strongest organizations are those where every voice is valued and every person feels empowered to contribute their perspective, ideas and talents. When people are encouraged to bring their full selves to the work they do, something powerful happens: teams grow stronger, creativity flourishes and the mission we share becomes even more meaningful. And it is this kind of team that ultimately creates the very best experiences for you—our curious and discerning guests.

That belief feels especially resonant today as we celebrate International Women’s Day and recognize the remarkable women who help shape Lindblad Expeditions. Women play essential roles in guiding our journeys, from naturalists and hotel directors to operational leaders ashore. Today, 21 women lead expeditions, 43 serve as ship officers and two command our vessels as captains, bringing expertise and a spirit of discovery to every voyage and helping define the thoughtful, purposeful way we explore the world together.

I am also deeply proud of the extraordinary shoreside team I have the privilege to lead and work alongside every day. Our organization includes 15 women at the VP level and above—six of whom serve on our Executive Leadership Team—along with many more talented women contributing their knowledge and leadership throughout our global offices.

In this special video roundup, you’ll meet just a few of the inspiring women across Lindblad Expeditions—from our first female captain to scientists working to combat plastic pollution—whose work reflects the curiosity, passion and commitment that continue to propel our expeditions forward. Throughout the month of March, we’ll continue sharing more of their stories and celebrating the many ways women in our organization help shape the future of expedition cruising.

Today—and every day—I feel fortunate to work alongside so many talented women who strengthen our company and ensure that the spirit of discovery that began more than 60 years ago continues to thrive for generations to come. I hope you also feel a sense of pride in this passionate team—one that is continually inspired by the spirit of exploration you bring to every journey.

We look forward to welcoming you aboard soon.

Warm regards,

Natalya Leahy
Chief Executive Officer
Lindblad Expeditions