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
Market Signal | New Stock Alert from Louis Navellier, Sr. Investment Analyst
Dear Fellow Investor,
I want to give you a free stock pick today.
No strings attached. No credit card required. Just the name, ticker, and my full analysis.
Here’s what I can tell you right now:
This company’s sales are up 28% year over year. It holds over 30,000 patents in wireless and video technology. And it just earned an A-rating in my proprietary Stock Grader system.
That’s the same system that helped me flag Nvidia back in 2005 — before its 82,000% run.
In fact, this system has identified the top-performing S&P 500 stock for 12 years running. Over the years, it has cost me $9 million to build and maintain. And right now, it’s flashing its highest possible rating on this AI play.
Louis Navellier Senior Investment Analyst, InvestorPlace
P.S. My Stock Grader system has cost $9 million to build and maintain. It helped me flag Nvidia at $1 split-adjusted. Today it’s flashing its highest rating on one AI stock and I’m giving you the name free. Go here before this briefing comes down.
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The options market’s biggest secret isn’t a ticker or a strike price. It’s a clock. The 4PM to 9:30AMwindow is where liquidity thins, news breaks, and massive moves form while retail traders sleep through them.
I’ve built one simple setup around that window. It’s already returned 365%, 310%, and 235%.
Thursday 1PM ET I’m pulling the curtain back. 500 seats and they won’t last.
Someone bought 54,000 SPY put contracts in two trades today while the S&P 500 rallied 1%. Brandon Chapman caught it all in real time using Block Hunter.
The trades hit at the 660 strike with a 22 delta. One block landed at 22,000 contracts. The other came in at 32,000. Both executed at the exact same price, split across two exchanges.
That kind of size creates downside gamma pressure. When the market maker sells those puts, they have to hedge. The more the S&P 500 drifts toward that strike, the more selling pressure builds on itself.
Brandon pointed out that retail traders have stepped back from buying the dip. The Iran situation in the Persian Gulf has cooled that enthusiasm. Institutional selling and insider selling are meeting less resistance on the other side.
Oil is also in steep backwardation right now. Brandon noted that elevated crude prices will eventually squeeze profitability and could put the Fed on pause.
But SPY was just one of five massive block trades Brandon broke down tonight. He walked through each one, explained the flow, and structured a specific trade around every signal.
Here is what the block flow revealed:
SOFI: 31,000 put spread contracts hit in a single trade. Buyers grabbed the April 16strike and sold the 13. SoFi is sitting on its 61.8% retracement, and lending across the board is in trouble. Brandon structured a 17/15 put vertical for $0.58.
KHC: 13,000 call contracts bought at support. This is a defensive name where money rotates when tech sells off. Brandon built a 22.50/25 call vertical for $0.77 with a target of $24 for roughly 70% gain.
FXI: 10,000 put contracts bought in one trade on the China ETF. July expiration, $35 strike. Currently trading at $37. Brandon structured a 37/35 put vertical for $0.70 with a breakeven at $36.30.
MARA: 6,000 contracts in a risk reversal, selling puts and buying calls for a six cent credit. The stock has 24.9% short interest and a 2.35 day short ratio. Brandon laid out how a gamma squeeze could trigger a full short squeeze, and structured a 10/12call vertical for $0.45.
The block flow is painting a clear picture. Bearish on SOFI, bearish on FXI, hedging the S&P 500 downside, and betting on a squeeze in MARA.
This is the perfect time to make sure you’re up to speed on your trading know-how. So I want to ensure you’ve read our free Rebel’s Guide to Trading Options – it covers all the basics of trading options. Like everything we do, the course is in plain English. It’s specially geared toward beginners but all traders will get something out of it. Yours absolutely free, of course – right here…
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Warm regards,
Don Kaufman
Disclaimer: Neither TheoTrade or any of its officers, directors, employees, other personnel, representatives, agents or independent contractors is, in such capacities, a licensed financial adviser, registered investment adviser, registered broker-dealer or FINRA|SIPC|NFA-member firm. TheoTrade does not provide investment or financial advice or make investment recommendations. TheoTrade is not in the business of transacting trades, nor does TheoTrade agree to direct your brokerage accounts or give trading advice tailored to your particular situation. Nothing contained in our content constitutes a solicitation, recommendation, promotion, or endorsement of any particular security, other investment product, transaction or investment. Trading Futures, Options on Futures, and retail off-exchange foreign currency transactions involves substantial risk of loss and is not suitable for all investors. You should carefully consider whether trading is suitable for you in light of your circumstances, knowledge, and financial resources. You may lose all or more of your initial investment. Opinions, market data, and recommendations are subject to change at any time. Past Performance is not necessarily indicative of future results.
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Venezuela beat the reigning World Baseball Classic champion Japan with some help from Wilyer Abreu and a bat flip that still has not touched down to earth. Meanwhile, an energized Team Italy has stunned every opponent in its path. Both teams have made their names known on the international scene, but something has to give tonight.
Jesus Christ, my God, I adore You and thank You for all the graces You have given me this day. I offer You my sleep and all the moments of this night. I place myself and all my loved ones, wherever they may be, in Your sacred side and under the mantle of Our Blessed Mother. Let Your holy angels stand watch and keep us in peace. Amen.
Quote of the Day
“Joseph was deeply pious, he prayed much for the coming of the Messiah.” -Bl. Anne Catherine Emmerich
Today’s Meditation
“The punishment for venial sin is not eternal, as is the case for mortal sin, but is temporal; and satisfaction can be made for venial sin by our acceptance of the various sufferings and trials of this present life. But whatever debt of temporal punishment still remains at the end of life goes with the soul through the gates of death and has to be paid fully in the next life: in Purgatory.” —Frequent Confession: It’s Place in the Spiritual Life, Fr. Benedict Baur, pg. 155
The daily examination of conscience is an ancient Catholic practice. It’s very simple, and it’s designed to help us identify our sins and weaknesses so that we can improve and grow stronger in the spiritual life, while providing an excellent ongoing preparation for regular Confession. It consists of taking a few minutes at the end of the day to prayerfully review our actions in the light of God’s commandments, followed by the Act of Contrition.
Reflect on the victories and losses
Actively reflecting on the high and low points of the day can help you live more intentionally and bring a renewed sense of resolve into the following day.
Review your actions, words, and thoughts today. Did you actively guard yourself against temptation? Where did sin creep in?
In what moments did you practice virtue and moral courage?
Were you attuned to the Holy Spirit’s promptings today? Where did you feel His inspiration?
Ask Him for the graces necessary to follow His Will more purposefully tomorrow.
Act of Contrition
O my God, I am heartily sorry for having offended Thee, and I detest all my sins because of Thy just punishments, but most of all because they offend Thee, my God, Who art all good and deserving of all my love. I firmly resolve with the help of Thy grace to sin no more and to avoid the near occasions of sin. Amen.
Practice gratitude
It is God’s love that has brought you into existence and to this exact moment. Practice looking for His hand in your day.
Where did you feel His loving gaze upon you today?
What people or moments helped you see God in your life?
Thank God for all these moments!
Ask Him to help you recognize His blessings and providence tomorrow.
Renew your commitment to Christ
Remember: our Faith is founded upon a Person—Christ! Renew your personal love and devotion to Him.
Thank God for the gift of His Son Jesus and our call to be His disciples.
Tell the Lord of your desire to know Christ more personally.
If possible, set an intention for your day tomorrow. Ask Our Lord to guide you in this act.
Pray a Hail Mary, Our Father, or another beloved prayer.
Rest with God
[He] made the Bear and Orion, the Plei′ades and the chambers of the south; Who does great things beyond understanding, and marvelous things without number. — Job 9:9-10
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In light of the ongoing war with Iran, we’re opening up our reporting so more people can access the information—almost for free.
Offer available for a limited time.
The Epoch Times strives to fill the void at a time when partisan and biased reporting has become commonplace. As staunch believers in traditional journalism, we rigorously pursue facts and accuracy, leaving views strictly as opinions.
When you do choose to explore people’s perspectives, we guarantee you the freedom of thought. Too often, certain voices are suppressed or silenced—that’s never the case at The Epoch Times. Browsing through the commentaries, you will immediately recognize honest, refreshing, and at times courageous discussions on topics perhaps purposefully left out by others: A Former Anthropic Employee’s Last Warning; The Labor CrisisNo One Wants to Talk About; When a Society Stops Wanting Children
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8 Wealth Killers That Millionaires Avoid at All Costs
Lots of investors and entrepreneurs self- sabotage their wealth, not with giant mistakes, but with quiet, toxic habits.
Sponsored by
The first one is to rely on only one income source. No job is 100% safe, especially if you don’t really know what’s going on with the actual business or company. Relying on one single paycheck puts your future entirely in the hands of a company or a boss. This gives you the least amount of control over your future. The solution is to build three to five streams of income like investments, side businesses, real estate to create stability and accelerate wealth growth. If you don’t know how and you feel a bit overwhelmed, don’t worry. You just start with one. But 65% of self-made millionaires have at least three streams of income.
Number two: treat taxes like a punishment. Taxes will be the biggest expense of your life. You will work till April or May to pay the tax collector first. Most people view taxes as a bill that takes their money away. The wealthy view the tax code as a road map that rewards certain behaviors like starting a business, investing, or saving for retirement. These are all things that are embedded into the tax code. And as boring as it may be to look at, the secret to a lot of investing is sitting in the tax code. The strategy is to use legal deductions like business expenses, benefit from lower capital gains rates, and take advantage of tax-deferred retirement accounts. The entire job here is not necessarily to make more, but it’s to keep more.
Number three: consuming before creating. Most people spend the best and most energetic hours of their day consuming low-value entertainment – scrolling, binge-watching, and similar distractions. Instead, change the order of your day. Start your morning by working on income-generating activities like building a business, planning investments, or creating content. In the morning, your energy and focus are at their highest. Use that time to create value, not just consume it. Then later, consumption can become a reward, not a distraction that drains your time and attention.
Number four: avoid talking openly about money. The problem is, most people avoid talking about money. They view it as awkward, rude, or they fear judgment. But the wealthy, they talk about their investments, their strategies, and their mistakes with trusted peers. That’s the only way that you’re going to learn. You need to learn by failure. We’ve all failed. We’ve all lost money. And the best way to avoid losing money is to ask: “How did this work out for you?” And put it all on the table and talk about it openly. Research shows that open discussion leads to better ideas and uncovers more and more opportunities.
Number five: just focus on income, not on net worth. The mistake is that income is not wealth. High earners can still live paycheck to paycheck with debt. Because the minute you make a little bit more, you upgrade your car, you upgrade your lifestyle, you upgrade your house, it never ever gets better. The true measure is to focus on your net worth, which is assets minus liabilities, and of course, your active and passive income. The change is prioritizing investments like index funds, rental property down payments over quick depreciating purchases like the latest iPhone or car upgrades or those kinds of things. You need to really pay attention to things that depreciate and things that don’t, things that provide cash flow and things that don’t. This is the difference between active and passive income.
Number six: avoid all debt. Now, the distinction is not all debt is bad. There’s good debt and there’s bad debt. So, good debt is money borrowed to acquire assets that increase in value or generate income. Things that other people pay off. So, things like a mortgage for cash flowing rental property or a business loan. These are very important types of leverage that you would use. But only if somebody else pays it off or a business is paying it off. The opposite of that is using debt and buying assets that depreciate. So eventually, your debt could actually be higher than the asset is worth. The key is controlling your debt by knowing the cost and ensuring the investment returns more than just the interest rate.
Number seven: viewing money as a status symbol. The middle-class trap is chasing a lifestyle that looks successful – country clubs, nicer cars, bigger houses. But the wealthy think differently. They focus on financial freedom, not appearances. They prioritize cash flow and value creation. They make smarter financial decisions and invest in assets that create opportunities and generate income. Then, once those assets are working for them, that’s when they might buy the nicer car or the bigger house. So the key is simple: focus on assets, not trinkets. Let your wealth grow quietly by keeping your lifestyle below your income.
And number eight: trade time for money forever. The default here is getting paid for hours worked. And the problem here is that income stops the moment you stop working. This is a trap. Work is essentially a claim on your time. And money should be used to replace that so you have more time. The transition is to work hard initially, save, then flip the equation by making the money work for you. This is slower, it’s not as flashy, it’s calculating, it’s strategic, and it’s definitely a longer term plan. The goal is to build passive income streams in your investments, your assets, and your businesses. You want to generate money even when you sleep or when you’re on vacation. So, you want to move from being paid for hours to being paid for value.
The eight habits we explored aren’t just mistakes, they are real wealth destroyers.
SPONSORED CONTENT
Are You Ready to Actually Retire?
Knowing when to retire is harder than knowing how much to save. The timing depends on what your retirement actually looks like: how long your money needs to last, what you’ll spend, and where your income comes from.
8 Wealth Killers That Millionaires Avoid at All Costs
Lots of investors and entrepreneurs self- sabotage their wealth, not with giant mistakes, but with quiet, toxic habits.
Sponsored by
The first one is to rely on only one income source. No job is 100% safe, especially if you don’t really know what’s going on with the actual business or company. Relying on one single paycheck puts your future entirely in the hands of a company or a boss. This gives you the least amount of control over your future. The solution is to build three to five streams of income like investments, side businesses, real estate to create stability and accelerate wealth growth. If you don’t know how and you feel a bit overwhelmed, don’t worry. You just start with one. But 65% of self-made millionaires have at least three streams of income.
Number two: treat taxes like a punishment. Taxes will be the biggest expense of your life. You will work till April or May to pay the tax collector first. Most people view taxes as a bill that takes their money away. The wealthy view the tax code as a road map that rewards certain behaviors like starting a business, investing, or saving for retirement. These are all things that are embedded into the tax code. And as boring as it may be to look at, the secret to a lot of investing is sitting in the tax code. The strategy is to use legal deductions like business expenses, benefit from lower capital gains rates, and take advantage of tax-deferred retirement accounts. The entire job here is not necessarily to make more, but it’s to keep more.
Number three: consuming before creating. Most people spend the best and most energetic hours of their day consuming low-value entertainment – scrolling, binge-watching, and similar distractions. Instead, change the order of your day. Start your morning by working on income-generating activities like building a business, planning investments, or creating content. In the morning, your energy and focus are at their highest. Use that time to create value, not just consume it. Then later, consumption can become a reward, not a distraction that drains your time and attention.
Number four: avoid talking openly about money. The problem is, most people avoid talking about money. They view it as awkward, rude, or they fear judgment. But the wealthy, they talk about their investments, their strategies, and their mistakes with trusted peers. That’s the only way that you’re going to learn. You need to learn by failure. We’ve all failed. We’ve all lost money. And the best way to avoid losing money is to ask: “How did this work out for you?” And put it all on the table and talk about it openly. Research shows that open discussion leads to better ideas and uncovers more and more opportunities.
Number five: just focus on income, not on net worth. The mistake is that income is not wealth. High earners can still live paycheck to paycheck with debt. Because the minute you make a little bit more, you upgrade your car, you upgrade your lifestyle, you upgrade your house, it never ever gets better. The true measure is to focus on your net worth, which is assets minus liabilities, and of course, your active and passive income. The change is prioritizing investments like index funds, rental property down payments over quick depreciating purchases like the latest iPhone or car upgrades or those kinds of things. You need to really pay attention to things that depreciate and things that don’t, things that provide cash flow and things that don’t. This is the difference between active and passive income.
Number six: avoid all debt. Now, the distinction is not all debt is bad. There’s good debt and there’s bad debt. So, good debt is money borrowed to acquire assets that increase in value or generate income. Things that other people pay off. So, things like a mortgage for cash flowing rental property or a business loan. These are very important types of leverage that you would use. But only if somebody else pays it off or a business is paying it off. The opposite of that is using debt and buying assets that depreciate. So eventually, your debt could actually be higher than the asset is worth. The key is controlling your debt by knowing the cost and ensuring the investment returns more than just the interest rate.
Number seven: viewing money as a status symbol. The middle-class trap is chasing a lifestyle that looks successful – country clubs, nicer cars, bigger houses. But the wealthy think differently. They focus on financial freedom, not appearances. They prioritize cash flow and value creation. They make smarter financial decisions and invest in assets that create opportunities and generate income. Then, once those assets are working for them, that’s when they might buy the nicer car or the bigger house. So the key is simple: focus on assets, not trinkets. Let your wealth grow quietly by keeping your lifestyle below your income.
And number eight: trade time for money forever. The default here is getting paid for hours worked. And the problem here is that income stops the moment you stop working. This is a trap. Work is essentially a claim on your time. And money should be used to replace that so you have more time. The transition is to work hard initially, save, then flip the equation by making the money work for you. This is slower, it’s not as flashy, it’s calculating, it’s strategic, and it’s definitely a longer term plan. The goal is to build passive income streams in your investments, your assets, and your businesses. You want to generate money even when you sleep or when you’re on vacation. So, you want to move from being paid for hours to being paid for value.
The eight habits we explored aren’t just mistakes, they are real wealth destroyers.
SPONSORED CONTENT
Are You Ready to Actually Retire?
Knowing when to retire is harder than knowing how much to save. The timing depends on what your retirement actually looks like: how long your money needs to last, what you’ll spend, and where your income comes from.
If you’ve ever felt like the market moves on a “hidden calendar”… you’re not imagining it.
That’s exactly what Super Seasonals is built to uncover: 20+ years of market behavior mapped into a clear system that helps you spot the highest-probability windows to buy, sell, or hold – before the crowd catches on.
Here’s what you get inside:
The complete Super Seasonals platform (a dashboard for stocks, indices, ETFs, and commodities)
Weekly Seasonal Trade Alertswith the ticker, historical success rate, and the optimal entry/exit window
A 20+ year historical pattern database so you can verify what tends to repeat (and what doesn’t)
Advanced tools & analytics like backtesting and filtering by performance/sector/duration
Education & strategy resourcesto help you build a systematic approach
And right now there’s a limited-time offer to get LIFETIME access for $497 (one-time) – instead of paying $497 per year.
If you want to trade with more confidence (and a lot less guesswork), this is the simplest way I know to do it.
There is a very high degree of risk involved in trading. Past performance is not necessarily indicative of future results. Spyrol Group (“SG”) and all individuals affiliated with this site assume no responsibility for your trading and investment results. All the material contained herein is believed to be correct, however, SG will not be held responsible for accidental oversights, typos, or incorrect information from sources that generate fundamental and technical information. Trading carries significant risk. Futures and futures options trading carries significant risk. Trading securities, security options, futures and/or futures options is not for every investor, and only risk capital should be used. You are responsible for understanding the risk involved with trading. Any performance results discussed herein represent past performance, not a guarantee of future performance, and are not indicative of any specific investment. Due to the timing of information presented, investment performance may be adjusted after. There can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly will be profitable, equal any corresponding indicated historical performance levels or be suitable for your portfolio. All data is provided for informational purposes only and is not intended for trading or investing purposes. SG expressly disclaims the accuracy, adequacy, or completeness of any data and content provided by financial exchanges, individual issuers, their respective affiliates and business partners and shall not be liable for any errors, omissions or other defects in, delays or interruptions in such data, or for any actions taken in reliance thereon. SG makes no express or implied warranties or representations and shall have no liability whatsoever with respect to any data contained herein. The data may not be further redistributed or used to create indices or other financial products. The views expressed herein are subject to change at any time based upon market or other conditions (such as domestic and global economic trends) and are current as of the date of publication hereof. The information, analysis, and opinions expressed herein are for general information only and are not intended to provide specific advice or recommendations for any individual or entity. SG emphasizes that investment in the securities of smaller companies can involve greater risk than is generally associated with investment in larger, more established companies, and can result in significant capital losses that may have a detrimental effect on the value of your investments. Nothing contained here within is intended to constitute legal, tax, securities or investment advice, nor an opinion regarding the appropriateness of any investment. The general information contained in this publication should not be acted upon without obtaining specific legal, tax and investment advice from a licensed professional. Please remember that all investments carry some level of risk, including the potential loss of principal invested. They do not typically grow at an even rate of return and may experience negative growth. As with any structuring of a portfolio of investments, attempting to reduce risk and increase return could, at certain times, unintentionally reduce returns. The information, analysis and opinions expressed herein are for general, impersonal information only and are not intended to provide specific advice or recommendations for any individual entity.
RJ Hamster 