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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(1) And he shewed me Joshua the high priest standing before the angel of the LORD, and Satan standing at his right hand to resist him. (2) And the LORD said unto Satan, The LORD rebuke thee, O Satan; even the LORD that hath chosen Jerusalem rebuke thee: is not this a brand plucked out of the fire? (3) Now Joshua was clothed with filthy garments, and stood before the angel. (4) And he answered and spake unto those that stood before him, saying, Take away the filthy garments from him. And unto him he said, Behold, I have caused thine iniquity to pass from thee, and I will clothe thee with change of raiment. (5) And I said, Let them set a fair mitre upon his head. So they set a fair mitre upon his head, and clothed him with garments. And the angel of the LORD stood by. King James VersionChange email Bible version
Zechariah 3 shows a future fulfillment of the Day of Atonement. This book was written after Judah’s return from Babylon. Even after that national chastening, the people were still carnal, just as Israel is today. Here, the prophet receives a vision of the high priest, Joshua. Notably, the chapter contains the same elements and sequence as Leviticus 16. It starts with the cleansing of the high priest and ends with the cleansing of the nation. What is missing is the sacrificial animals, and this is because, here, God is providing the atonement through a different means.
The essential function of the high priest was to represent the nation to God, which is part of why the Golden Calf incident was so appalling—the nation’s representative was directly involved in the sin of idolatry. Similarly, in Zechariah 3:3, the high priest is depicted in filthy garments, yet in verse 4, the filth and iniquity are taken away. The high priest receives rich robes, symbolic of righteousness from God Himself (compare Revelation 19:8). The high priest’s defilement shows that the nation had been completely unclean. But God restores the high priest, giving His explanation in verses 8-9:
Hear, O Joshua, the high priest, you and your companions who sit before you, for they are a wondrous sign; for behold, I am bringing forth My Servant the BRANCH. For behold, the stone that I have laid before Joshua: Upon the stone are seven eyes. Behold, I will engrave its inscription, says the LORD of hosts, and I will remove the iniquity of that land in one day.
Zechariah makes no mention of animal sacrifices. This removal of iniquity can only come through the Messiah, the Branch mentioned in verse 8 (see also Isaiah 4:2; 11:1; Jeremiah 23:5; 33:15; Zechariah 6:12).
Leviticus 18:28 speaks of the land becoming defiled and vomiting out its inhabitants. The Day of Atonement is an annual type of bearing away of sin, out of the land, so the land and its people become clean before God. This national cleansing of land and nation, however, did not happen at Christ’s first coming. Though the means of that true cleansing was created through His sacrifice, it has not yet been applied. God’s cleansing of the land and people of Israel is still future.
The beginning of this vision (verses 1-2) contains another significant factor. Note that God rebukes Satan before He cleanses the nation. There is a possible connection here with Satan’s binding (Revelation 20:1-3): In other instances of God rebuking a party, it typically goes beyond divine words and involves divine action (see Psalm 9:5; 68:30; Isaiah 17:1-3). God’s rebuke may find its fulfillment in Satan’s binding, and Israel’s cleansing follows it.
The critical point is that atonement—expiation, satisfaction of the legal debt—can come only through Christ’s removal of guilt, not through anything that happens to Satan. The nation is cleansed by God removing the iniquity, not through rebuking the accuser. In this vision, if Satan were only rebuked—and in parallel, if Satan were just bound—the nation would remain in its defiled state, still separated from God, unatoned.
Last night, The Smashing Pumpkins headlined Lollapalooza for the first time since 1994. Tonight, Jennie takes the same stage — and the 35-year arc of American music’s most eclectic festival comes full circle.Read the history →
Investors had many things to digest this week, including a continued pause in interest rates by the Federal Reserve, earnings reports from four of the Magnificent Seven companies, and the escalation of hostilities between the U.S. and Iran. The common denominator for all of these is inflation. There’s no lack of opinions, but investors are getting anxious fUpgrade to MarketBeat All Access to get our best stock ideas, proprietary research, portfolio monitoring tools, and more. Start Your Free Trial.
The REAL Reason Trump is Invading Iran (Ad)For a moment… Forget about Trump’s ties to Israel. Forget about reports of Iran’s nuclear program. Because my research has led me to believe we’re risking World War 3 with Iran for a completely different reason.
Investors had many things to digest this week, including a continued pause in interest rates by the Federal Reserve, earnings reports from four of the Magnificent Seven companies, and the escalation of hostilities between the U.S. and Iran. The common denominator for all of these is inflation. There’s no lack of opinions, but investors are getting anxious for solutions.
That anxiety may be accelerating a rotation into defensive stocks. One example is the performance of the Pacer US Cash Cows 100 ETF (BATS: COWZ), which is up 10.5% in 2026, with a significant part of that gain coming in July.
Next week, investors will get the latest employment data when the July jobs report is released on Aug. 7. However, the signal is still earnings. Reports from Microsoft Corp. (NASDAQ: MSFT) and Amazon (NASDAQ: AMZN) showed that investors are willing to reward companies that deliver strong results and, more importantly, deliver strong free cash flow.
ServiceNow Inc. (NYSE: NOW) has spent the better part of a year showing investors that the existential threat from AI isn’t eroding its business. The most recent example of this was the company’s Q2 2026 earnings report. Sam Quirke explained that this creates an opportunity for risk-tolerant investors willing to follow earnings.
Chris Markoch noted that the market’s reaction to the Microsoft Corp. (NASDAQ: MSFT) earnings report showed that good news can still be good news. The robust growth in Azure and the anticipated capital expenditure are reshaping the story of AI investment.
Investors won’t have to wait too long for the next major earnings report. Palantir Technologies (NASDAQ: PLTR) reports its Q2 earnings on Aug. 3. The report is likely to be good, but Markoch explained that bullish investors will have to hope that the underlying business matters more than the stock’s recent history after earnings.
Carrier Global (NYSE: CARR) has become a data center story, but investors aren’t buying it. CARR stock is down since its earnings report, but Markoch pointed out that the market may be placing more concern on the company’s current valuation than its future one.
After shooting to the moon in the first half of 2026, space stocks have come crashing back to Earth. Investors are concerned about valuation in companies that aren’t profitable (including SpaceX). Nevertheless, Hasson highlighted five down-and-out space stocks and explained which ones may offer a buy-the-dip opportunity.
Nathan Reiff pointed out that value stocks are outperforming growth stocks in 2026. There’s still time to capitalize on that shift, and Reiff gave investors three broad-based value ETFs that still offer reasonable upside.
Riding the hot hand is often a successful strategy in volatile markets. Reiff highlighted three of the market’s biggest winners in the first half of 2026 and pointed out what catalysts each company will need to generate strong earnings momentum to keep their rallies going.
Despite their lackluster performance of late, space stocks still have a bright future. But investing in single stocks may carry too much risk for some investors. That could make two new space ETFs an attractive option.
Many of the largest oil companies reported earnings this week. However, Schmidt reminded investors that now is the time to look at refiners and pointed them to three refining stocks that offer pure-play exposure to the sector.
Schmidt also explained why the telecom sector may deserve investors’ attention. Three of the top telecom names reported earnings, and each company posted year-over-year growth, along with buybacks and dividends, to reward shareholders.
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The circular financing of AI infrastructure came back into focus on news that NVIDIA (NASDAQ: NVDA) is considering a large financing backstop tied to an OpenAI data center product. Jeffrey Neal Johnson explained why investors should think carefully about the insatiable demand for AI infrastructure, which comes with an increasingly leveraged financing model.
Sticking in the healthcare sector, Frank explained the bull case for McKesson (NYSE: MCK). The company moves medicines around the world. Being a distributor may not be the most glamorous business model, but it allows the company to generate strong free cash flow (FCF). That’s important as investors are beginning to reward cash-rich companies.
Frank also explained why Wintrust Financial Corp. (NASDAQ: WTFC) should be on investors’ radar for exposure to financial stocks. The company just delivered record second-quarter net income, but it comes with a lofty valuation.Trump once publicly defended this company (Ad)One obscure American energy company generated roughly 3.2 billion dollars in operating income, yet the entire business is valued at only 8 billion. BlackRock and Vanguard already hold major stakes, and a top value investor recently added to his position, but most investors have never heard of this name. After screening 23,281 publicly traded companies, only this one met every criterion for a rare setup at the intersection of AI, natural gas, and the growing power crisis.
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Starting pitching is always a hot commodity before the Trade Deadline, and beyond top prize Tarik Skubal, there is a deep group of arms who could bolster contenders’ rotations.
The Trade Deadline is front and center as the calendar flips to August, but the Wild Card races and Yordan Alvarez’s Triple Crown pursuit are among other stories to follow this month.
A Shohei Ohtani baseball card sold for $3 million last December, but that was nothing compared to the Ohtani 1-of-1 Back to Back Gold Logoman Autograph Relics card that went for $11 million this week.
For the teams sitting atop their division standings as the regular season’s penultimate month begins, here is what history tells us about where clubs in their position end up.
(1) Then he showed me Joshua the high priest standing before the Angel of the Lord, and Satan standing at his right hand to oppose him. (2) And the Lord said to Satan, “The Lord rebuke you, Satan! The Lord who has chosen Jerusalem rebuke you! Is this not a brand plucked from the fire?” (3) Now Joshua was clothed with filthy garments, and was standing before the Angel. (4) Then He answered and spoke to those who stood before Him, saying, “Take away the filthy garments from him.” And to him He said, “See, I have removed your iniquity from you, and I will clothe you with rich robes.” (5) And I said, “Let them put a clean turban on his head.” So they put a clean turban on his head, and they put the clothes on him. And the Angel of the Lord stood by. New King James VersionChange email Bible version
Zechariah 3 shows a future fulfillment of the Day of Atonement. This book was written after Judah’s return from Babylon. Even after that national chastening, the people were still carnal, just as Israel is today. Here, the prophet receives a vision of the high priest, Joshua. Notably, the chapter contains the same elements and sequence as Leviticus 16. It starts with the cleansing of the high priest and ends with the cleansing of the nation. What is missing is the sacrificial animals, and this is because, here, God is providing the atonement through a different means.
The essential function of the high priest was to represent the nation to God, which is part of why the Golden Calf incident was so appalling—the nation’s representative was directly involved in the sin of idolatry. Similarly, in Zechariah 3:3, the high priest is depicted in filthy garments, yet in verse 4, the filth and iniquity are taken away. The high priest receives rich robes, symbolic of righteousness from God Himself (compare Revelation 19:8). The high priest’s defilement shows that the nation had been completely unclean. But God restores the high priest, giving His explanation in verses 8-9:
Hear, O Joshua, the high priest, you and your companions who sit before you, for they are a wondrous sign; for behold, I am bringing forth My Servant the BRANCH. For behold, the stone that I have laid before Joshua: Upon the stone are seven eyes. Behold, I will engrave its inscription, says the LORD of hosts, and I will remove the iniquity of that land in one day.
Zechariah makes no mention of animal sacrifices. This removal of iniquity can only come through the Messiah, the Branch mentioned in verse 8 (see also Isaiah 4:2; 11:1; Jeremiah 23:5; 33:15; Zechariah 6:12).
Leviticus 18:28 speaks of the land becoming defiled and vomiting out its inhabitants. The Day of Atonement is an annual type of bearing away of sin, out of the land, so the land and its people become clean before God. This national cleansing of land and nation, however, did not happen at Christ’s first coming. Though the means of that true cleansing was created through His sacrifice, it has not yet been applied. God’s cleansing of the land and people of Israel is still future.
The beginning of this vision (verses 1-2) contains another significant factor. Note that God rebukes Satan before He cleanses the nation. There is a possible connection here with Satan’s binding (Revelation 20:1-3): In other instances of God rebuking a party, it typically goes beyond divine words and involves divine action (see Psalm 9:5; 68:30; Isaiah 17:1-3). God’s rebuke may find its fulfillment in Satan’s binding, and Israel’s cleansing follows it.
The critical point is that atonement—expiation, satisfaction of the legal debt—can come only through Christ’s removal of guilt, not through anything that happens to Satan. The nation is cleansed by God removing the iniquity, not through rebuking the accuser. In this vision, if Satan were only rebuked—and in parallel, if Satan were just bound—the nation would remain in its defiled state, still separated from God, unatoned.
“Good sense makes one slow to anger, and it is his glory to overlook an offense.” Proverbs 19:11
Yesterday, I shared the acronym EGO-Edging God Out. Ego asserts our will, even as we say to God, “Thy will be done.” Ego subtly pushes God aside, little by little. Ego can destroy your potential. Here’s a goal for a truly successful person, Christian or not: become un-offendable. This trait will get you far in life…Read More
Pastor Bobby Schuller challenges believers to slow down, listen to the Holy Spirit, and become more intentional about what they say. Learn to recognize the spiritual battle over your speech and declare God’s truth with confidence and conviction, with today’s message: “The War of Spiritual Words.”
The Cathedral Choir and Worship Team leads the congregation in worship with “Gratitude” (Benjamin Hastings; Brandon Lake; Dante Bowe; arr: Grant Wall; orch: Dan Galbraith). They are accompanied by the Cathedral Orchestra and Dr. Philip Hoch on piano.
The Cathedral Choir, directed by Elizabeth Salvati, performs “Be Thou My Vision” (Traditional; arr: & orch: Cliff Duren). The choir is accompanied by the Cathedral Orchestra and Dr. Philip Hoch on piano.
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Bobby Schuller Podcast
Check out “The Bobby Schuller Podcast”! Dive deep into inspiring conversations, faith-filled teachings, and transformative insights with Pastor Bobby Schuller. Tune in, subscribe, and join us on this incredible journey of faith and discovery. We can’t wait to share this with you.