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
Editor’s Note: I have a message for you from Adam O’Dell at Money & Markets. I thought you might find it interesting – check it out here or read more below.
– Justin Fritz-Rushing, Editorial Director
The Real Reason Trump Invaded Iran
Dear Reader,
Is the U.S. invasion of Iran just one giant smokescreen?
Adam O’Dell Chief Investment Strategist, Money & Markets
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Before this day ends, you and I have an opportunity to do something truly great for God…something that matters not just for today but for eternity. We are being overwhelmed with desperate pleas for help from suffering Jewish people, and we need your help so that we can continue to say yes to those who need us right now. Together we are telling, and more importantly showing, the people of Israel that they are not alone. We have received a generous matching gift challenge that will double your gift to help twice as many people—so please be as generous as you can when you send your gift today.
Your support of the Friends of Zion today allows us to comfort the people of Israel who have been devastated by the war, continue to purchase and deliver food, medicine, clothing, and other necessities of life for the poor Holocaust survivors and refugees of Ukraine, continue to operate the Friends of Zion Museum, and to meet urgent humanitarian needs among the poor Jewish people living in Israel.
Thank you so much for being part of this vital worldwide prayer movement.DONATE NOW
Pray For The Peace Of Jerusalem
“God of Power, I ask today that You strengthen the hands of those who defend Israel. Let the weakest among them be as mighty as Your servant David in battle. Let Your angels join the fight for the peace of Jerusalem and give victory over the forces of evil.”
In that day shall the LORD defend the inhabitants of Jerusalem; and he that is feeble among them at that day shall be as David; and the house of David shall be as God, as the angel of the LORD before them. Zechariah 12:8
Join with us and millions of others around the world in prayer for Israel:PRAY WITH US
Hegseth: US achieved ‘decisive victory’ in Iran, troops to stay put
U.S. President Donald Trump “made history” in his series of actions against Iran, which culminated in the “decisive military victory we just achieved in Operation Epic Fury,” Defense Secretary Pete Hegseth stated on Wednesday at a press briefing in the Pentagon. READ MORE
WATCH: IDF strikes Hezbollah launchers following missile barrage on Israel
In response to the barrage of missiles launched towards northern Israel and the Haifa area on Thursday night, the IDF struck approximately 10 Hezbollah rocket launchers in the early hours on Friday, according to a military statement.READ MORE
Stay Connected
There is no better way to keep up with what is really happening in Israel and the world—the truth the liberal media won’t tell you—than with the redesigned and upgraded FOZ app. We have prepared this app to allow us to stay in touch with you and provide the most up-to-date news and prayer requests. This powerful tool will help you shape and focus your prayers, receive updates from Dr. Evans, and so much more. It is a must-have for every friend of Israel.APPLE APP ANDROID APP DONATE NOW
Tens of thousands of Jewish people have had their lives shattered by the war. Many of them have lost their homes and everything they own. Many of them are struggling to get enough food and find a safe place to live. We must reach out to them in Christian love today. There are thousands of people who urgently need our help, and I’m asking you today to reach out to them in Christian love. We have received a generous matching gift challenge that will double your gift to help twice as many people—so please be as generous as you can when you send your gift today.
The situation is urgent. So many people have lost homes, family members, and even everything they owned in the missile attacks. I’m thinking about families like the Cohens. They buried six family members on the day their son was supposed to have his bar mitzvah. We helped them with the medical bills, buying clothing, and more, and they were so grateful. But there are so many others in urgent need.
The people of Israel are suffering greatly right now, and while they need our prayers, they also need our help. Together we are answering the command of God, “Comfort ye My people.” Together we are telling, and more importantly showing, the people of Israel that they are not alone. Please send your most generous gift today and share this with everyone you know.
Your support of the Friends of Zion today allows us to comfort the people of Israel who have survived the terrorist attacks, minister to the families of the hostages, continue to purchase and deliver food, medicine, clothing, and other necessities of life for the poor Holocaust survivors and refugees of Ukraine, continue to operate the Friends of Zion Museum, and to meet urgent humanitarian needs among the poor Jewish people living in Israel. Thank you so much for being part of this vital worldwide prayer movement.
(1) Thus saith the LORD, The heaven is my throne, and the earth is my footstool: where is the house that ye build unto me? and where is the place of my rest? (2) For all those things hath mine hand made, and all those things have been, saith the LORD: but to this man will I look, even to him that is poor and of a contrite spirit, and trembleth at my word. King James VersionChange email Bible version
Humility is what impresses God. Pride gets between us and God, and without realizing it, we actually shut Him out of our lives.
The Bible clearly shows that our spiritual well-being is dependent upon acknowledging, with our lives, our reliance upon the revealed will of God—His Word. Pride results from arrogating to oneself something for which one is indebted and would not even have except for God’s benevolence. Who gave Helel (commonly mistranslated as “Lucifer,” who became Satan) his beauty? his intelligence? his position of power from which he operated? Pride perverted Helel’s thinking into rejecting his dependence, and he elevated himself above God.
Now what do we have that we did not receive? Did we create ourselves? Did we create the great goal in life to be in the Kingdom of God and to be born into His Family? Did we reveal God to ourselves? Did we die on the stake for the forgiveness of our sins? Did the gift of the Holy Spiritcome to us through our own agency? Did we lead ourselves to repentance? Who gave us the power to believe in the true God and in His Son Jesus Christ?
It is interesting to reflect on Adam and Eve in the Garden of Eden. Satan comes along and says to them, “You will be as God.” What entered into Adam and Eve at that moment? The pride of life. The result? They rejected the revelation of God. They rejected His Word and sinned. Pride subtly elevates a man to the same level as God, which results in him rejecting the very gifts God would give him for his salvation.
So, consciously or subconsciously, the proud man—us (hopefully not as much as it used to be)—is saying that he already knows better, or has the power and ability within himself by nature, thereby subtly turning salvation into something God owes him. It becomes earned.
INDYCAR is smack in the middle of a two-week break. And while that means you won’t watch on-track action and I won’t be in the INDYCAR on FOX booth for two straight weekends, the drivers and teams aren’t off.
Far from it, actually.
Calling it a two-week “break” is a bit misleading. I promise you that these days away from the track are anything but a vacation. It’s more like a valuable opportunity.
We’ve already had races on a street course, a road course and an oval, so the entire gambit of INDYCAR track types has been covered. Teams already have a sense of where their strengths and weaknesses lie. Now, they’ve got the time to find out why.
So what are they doing in these couple “off” weeks? Let’s zoom out briefly.
Fortune 1000 brands are signing seven-figure contracts and investors have taken notice. Since acquiring its core AI engine in 2021, RAD Intel’s valuation has grown from $10M to $220M+, a 22x increase reinforced by recurring seven-figure Fortune 1000 contracts delivering 3 to 4X ROI.
The company is backed by multiple Fidelity funds and venture investors, selected by the Adobe Design Fund, and supported by early operators from Google, Meta, and Amazon. More than 20,000 investors are already aligned.
DISCLOSURE: This is a paid advertisement for RAD Intel’s Reg A+ offering and involves risk, including the possible loss of principal. Please read the offering circular and related risks at invest.radintel.ai.CLICK HERE…Fellow Investor,
Retirees and near-retirees need to worry more about Stealth Taxes than regular income taxes.
Stealth Taxes include the amount of Social Security benefits added to gross income, the Medicare premium surtax (also known as IRMAA), the 3.8% net investment income tax and more.
Some Stealth Taxes are directed specifically at retirees, such as the tax on Social Security benefits and the Medicare premium surtax. Others just happen to catch more retirees than other taxpayers.
I call them Stealth Taxes because they increase income taxes without Congress enacting a tax rate increase. Instead, gross income is increased or an additional amount is added to regular income taxes.
The key to the Stealth Taxes is adjusted gross income (AGI), because that is the starting point for computing most of the Stealth Taxes.
AGI is on line 11 of the current 1040. Most of the Stealth Taxes require that some tax breaks be added to AGI to compute what is called modified AGI or MAGI. For most people, computing MAGI involves only adding any tax-exempt interest to AGI.
Some people might have to add other items, such as tax-exempt foreign-earned income, and some of the Stealth Taxes have small differences in their computation of MAGI. But for most people, MAGI is the same as their AGI or is AGI plus tax-exempt interest.
Most Stealth Taxes are computed using that year’s MAGI. But the Medicare premium surtax is determined using MAGI from two years earlier.
Before putting away your 2025 income tax return, make a note of your AGI and see if it triggers any of the Stealth Taxes or if you are in a high Stealth Tax bracket (especially for the Medicare premium surtax). Then, consider actions you can take the rest of this year to reduce your 2025 AGI.
The first step is to add all the income this year that is mandatory or over which you have no control. This income includes taxable Social Security benefits, any pension, required minimum distributions from IRAs and other retirement accounts, annuity payouts, interest and dividends from taxable account holdings and perhaps other sources.
The total is a good estimate of your base or minimum AGI for 2025.
The second step is to determine how close your base AGI is to triggering the Stealth Taxes or to the beginning or ending of a Stealth Tax bracket.
For example, the Medicare premium surtax has six brackets. The monthly surtax in 2025 varies from $66 to $362, depending on the bracket you’re in.
Veteran tech trader Bryan Perry has found a backdoor way to get into SpaceX before its June IPO. Wall Street estimates that Elon Musk’s space interest could be worth up to $1.5 trillion when all is said and done – making it one of the largest companies in the world from day one.
If you’d like to find out how to position yourself TODAY ahead of this massive event scheduled for June, then click here now.CLICK HERE…The third step is to estimate the money you are likely to spend this year and determine the amount by which the spending exceeds your base AGI.
The fourth step is to decide the sources of the cash for the additional spending by considering the effect of the sources on your income taxes and your Stealth Taxes.
When you’re close to triggering a Stealth Tax or being pushed into the next higher bracket, consider taking the cash from tax-free sources, such as distributions from Roth IRAs or health savings accounts.
Or you might want to sell investments in taxable accounts that will generate tax losses or small capital gains.
When additional taxable income won’t trigger or increase the Stealth Taxes, you might want to take the cash from taxable sources, such as distributions from traditional IRAs or 401(k) s.
That reduces the future income from those taxable sources and saves tax-free and low-tax sources for years when you might need them to avoid Stealth Taxes.
Finally, you want to consider how to avoid the Stealth Taxes in the future. The best strategies involve taking money out of traditional retirement accounts and paying the taxes today to reduce future ordinary income. To a better retirement, Bob Carlson Editor, Retirement Watch WeeklyEditor’s Note: There is a way retirees can collect thousands of dollars per month for the rest of their lives — tax-free. Plus, this tax-free income source is 100% legal and approved by the IRS.
And here’s the kicker: even if they don’t have enough money put away yet for retirement… even if they’re over age 60… they can still get thousands of dollars a month from this opportunity. Click here to find out more.
The market doesn’t care how hard you work. It doesn’t reward effort. It rewards accuracy.
And the traders consistently getting accurate forecasts right now are not using old indicators or gut instinct. They’re using patented artificial intelligence.
VantagePoint A.I. forecasts stock and options price direction up to 72 hours in advance, with up to 87.4% proven accuracy, by analyzing millions of data points that no human can process manually. It tells you where the bottoms are for key assets, what price predictions look like around upcoming volatility, and how to master your trade timing before the move happens.
The edge you have been looking for has never been more accessible.
New to the Retirement Watch Community: SeniorResource.com
What does the word “trust” bring to mind for you? If you think of a rich twenty-something with a trust fund, then you’re probably not alone. Many people associate trusts with the wealthy. But should a regular, everyday person consider establishing a trust? And at what net worth is a trust considered a necessity? If you’re looking for the answer to those questions, click here now.
About 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.
About Us:
Eagle Financial Publications is located in Rosslyn, VA. – Blocks from the Capitol. Our products have been helping investors build their wealth for several decades. Whether you’re a long-term investor or short-term trader, you’ll find the right strategy for you, including how to earn more steady income to spend now, preserve and grow your capital to enjoy later, and whatever other investment goals you have.
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Sandy Alcantara is looking like his old Cy Young self again, and he’ll need to keep it going this afternoon at 1:40 p.m. ET when he faces two-time reigning AL Cy Young winner Tarik Skubal.
A home run chain featuring the A’s elephant mascot was an easy call for a new home run celebration, but the team took it to another level by adding an elephant mask.
The Orioles employed a very large visual aid for some baserunning drills, setting up a TV in the infield to show the movements and pickoff throws of opposing pitchers.
Brandon Pfaadt’s pink shoelaces during his start for the D-backs weren’t a fashion statement. It was how he helped brother Brett announce he and his wife Hannah were having a daughter.
Rafael Devers and the Giants are in Baltimore to take on Gunnar Henderson and the Orioles at 1:30 p.m. ET, followed by the Rangers and Dodgers. (Subject to local blackout)
Every day offers a new chance to grow—so explore stories filled with real-life inspiration, practical wisdom, and ideas that fuel your next step forward. Discover uplifting content curated to support your personal growth, and join thousands of readers who visit our site daily for motivation, insight, and a positive boost.
“Hope is not naive—it is the courageous decision to believe that something good is still possible, even now.”
Choosing hope in the middle of uncertainty takes real courage, and you exercise that courage more than you realize. The world can feel heavy, and the future uncertain, but hope doesn’t need a guarantee to be real. It lives in the quiet space between where you are and where you’re going. Hold onto it today—it is one of the most powerful things you carry.MORE INSPIRATION
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.
Retirees and near-retirees need to worry more about Stealth Taxes than regular income taxes. 
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.
RJ Hamster 