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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(5) And when he had opened the third seal, I heard the third beast say, Come and see. And I beheld, and lo a black horse; and he that sat on him had a pair of balances in his hand. (6) And I heard a voice in the midst of the four beasts say, A measure of wheat for a penny, and three measures of barley for a penny; and see thou hurt not the oil and the wine. King James VersionChange email Bible version
This is a picture of scarcity of grain during a time when olive oil and wine are abundant. The grain must be measured very carefully, and it is sold at about twelve times its normal price. At the same time, growers are commanded not to reduce the production of oil and wine, items which most would consider to be luxuries. It seems that the common folk would spend all their living on grain to fend off starvation and have nothing left over for the finer things, while the rich would continue to live comfortably and make money on the inflated grain prices. The Third Seal describes scarcity in the midst of prosperity; the rich get richer as the poor get poorer.
Such a situation is not hard to imagine in our fast-paced, greedy world. Amos shows the rich “[selling] the righteous for silver, and the poor for a pair of sandals” (Amos 2:6). Many businessmen have no qualms about taking advantage of a situation, as long as they are guaranteed to make a profit. We should not be surprised when food prices escalate sharply after a mediocre harvest.
God is not capricious; He does nothing without a purpose. He says that He sends these droughts, floods, diseases, insects, and famines to warn us and cause us to return to Him (Amos 4:6-9). Our God wants us to receive blessings, not curses, but sometimes He must get our attention and point us in the right direction when we go astray.
But Israel is stubborn and rebellious (Jeremiah 5:23). The people fail to see that their sins have caused these curses to fall upon them (verses 24-25). In fact, Israel loves to dwell in sin (verses 26-31)! Thus, God must punish them to make them obedient to His laws—laws that will make them prosperous and happy.
Hunger is a method that hits home quickly, and God will try to use this curse effectively:
Are there yet the treasures of wickedness in the house of the wicked, and the short measure that is an abomination? Shall I count pure those with the wicked balances, and with the bag of deceitful weights? For her rich men are full of violence, her inhabitants have spoken lies, and their tongue is deceitful in their mouth. Therefore I will also make you sick by striking you, by making you desolate because of your sins. You shall eat, but not be satisfied; hunger shall be in your midst. . . . You shall sow, but not reap; you shall tread the olives, but not anoint yourselves with oil; and make sweet wine, but not drink wine. (Micah 6:10-15)
Explore culture through food, performances and moreSave the date! Chandler’s Multicultural Festival returns for its 31st year on Jan. 17!
Join us as we celebrate the Chandler community’s strong heritage and vibrant cultural diversity through live performances, delicious food and engaging experiences.
Highlights of the FREE festival include live entertainment on the Unity Stage, a variety of worldly cuisines available for purchase, an international shopping market where you can discover unique treasures and handmade goods from around the globe, and opportunities to connect with local nonprofits, faith-based organizations and other educational groups.
See you Saturday, Jan. 17 from 11 a.m. to 6 p.m. at Dr. A.J. Chandler Park: Stage Plaza, 178 E. Commonwealth!
Visit chandleraz.gov/MulticulturalFestival for more information, including the performance schedule and lists of food and merchandise vendors and participating community organizations.
A Scottsdale Quarter eatery is undergoing a quick transformation. Here’s what to expect at the new restaurant.
By Sara Crocker
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BUY TICKETSLEARN MOREMORE PROMOTIONSTime to plan some fun for 2026! Don’t miss Extra Innings Festival on Feb. 27 – 28 in Tempe, Arizona! Catch Luke Bryan, Kane Brown, HARDY, Dierks Bentley, Jessie Murph, Brothers Osborne, Shaboozey, Muscadine Bloodline, Bret Michaels, 49 Winchester, Drew Holcomb & The Neighbors and more at Tempe Beach and Arts Park.
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(1) Now the serpent was more subtil than any beast of the field which the LORD God had made. And he said unto the woman, Yea, hath God said, Ye shall not eat of every tree of the garden? King James VersionChange email Bible version
In this first message to mankind, Satan sows seeds of doubt as to whether God can be trusted. Satan’s very first words were, “Has God indeed said. . . ?” Spoken or not, this sentiment that God is untrustworthy, and that His Word is suspect, has been a regular feature in mankind’s relationship with God ever since.
The Gnostics were no exception—in fact, they are a prime example. In its most basic sense, Gnosticism is knowing, but its knowledge, while sometimes including the Word of God, does not have it as its foundation. Instead, more than what was contained in Scripture, Gnostics valued what they experienced, what elders told them, or what they learned from “angels,” astrology, or chemistry (alchemy). Thus, we see elements of Gnosticism in Galatians: a mixture of “lucky days,” to which they ascribed spiritual significance (part of their worship prior to conversion) and a belief, brought in by Judaizers or perhaps even an “angel” (Galatians 1:8), that justification could come by works of the law.
Judaism, though it has its roots in the Old Testament, sees God’s Word through the lens of Hellenism (Greek thought) and the traditions of Jewish scholars and teachers through the centuries. The Galatian Christians gave God’s Word lip service, but did not depend on it as the source of their beliefs and practices. If they had, they would not have returned to pagan “days, months, seasons, and years,” nor believed that justification could ever result from good works—a concept that is read into the Old Testament, but not actually found there.
Similarly, the Colossian Christians were affected by an ascetic form of Gnosticism that included “ordinances” (KJV) or “regulations” (NKJV) that are not found in God’s Word but were the commandments and doctrines of men(Colossians 2:20-23), as well as demons, the “basic principles of the world” (Colossians 2:8).
This same distrust of God’s Word is readily seen in today’s Catholicism and Protestantism. The Catholic Church holds that Scripture is only one of three sources from which its dogma is derived—the other two being divine revelation and the writings and traditions of previous Catholic saints. The Bible, while generally utilized as the source of doctrine, can be easily overridden by the words of a Pope or other theologian, living or dead. Once again, human words and traditions are considered more trustworthy than God’s.
In some respects, Protestantism has a higher regard for Scripture. However, it, too, accepts the traditions of men in such beliefs as the Trinity, the immortality of the soul, going to heaven, observing Christmas and Easter, and venerating the first day of the week (which the Catholic Church rightly points out makes sense only if one accepts Rome’s authority, for there is no scriptural authority for keeping any day holy but the Sabbaths).
Modern Gnostics who believe in “progressive revelation” have also succumbed to this first of Satan’s ploys. While God does reveal things to us, the critical point is that what is revealed—if it truly comes from Him—will never contradict what He has already revealed in His Word. “God is not a man, that He should lie” (Numbers 23:19). Yet progressive revelation advocates believe that their revelations are more authoritative than the Bible, rather than complementing and harmonizing with it, making them ripe for satanic influence under the guise of God revealing something new to them. They may sincerely believe that God speaks to them, yet they simultaneously mistrust what He has already said in inspired Scripture. They tend to shy away from Bible study, concluding that they do not need it since God speaks directly to them, and if there is anything important, God will let them know.
Romans 10:17 tells us that “faith comes by hearing, and hearing by the word of God.” But Satan knows this too and believes that, if he can undermine the trustworthiness of God and the validity of His Word, he can destroy the faith necessary for salvation. Currently, the Bible’s legitimacy is undergoing an intense assault. Due to popular Gnostic writings like the Gospel of Judas and the Gospel of Thomas, as well as The Da Vinci Code book and movie, many people are questioning why we have the Bible that we do and wondering if something in the ancient apocryphal writings, if it were known, would change Christianity as we know it. Rather than quibbling about this or that point of doctrine, Satan seems to be gunning for the whole package by asserting that the Word of God is subject to the whims of men and thus cannot be trusted. At every turn, faith founded in God’s Word is being undermined.
Fear & Greed Index hit 9. Markets bleeding. Liquidations everywhere. Most traders panicked. We profited. One liquidity pool paid $73,130 during the crash. We earn from trading volume, not price direction. Market up? Paid. Down? Paid. Crash? Paid even more. This is how you detach from price action and profit when everyone else is losing. Stop gambling on direction. Start collecting fees like institutions do.
In last week’s edition of Retirement Watch Weekly, I shared some tips on how to put your home to work for you before and during retirement. Today, we’ll complete the list…
Another strategy to consider for your retirement plan – and it’s one that is often very misunderstood – is a reverse mortgage.
Also known as a home equity conversion mortgage (HECM) it’s a loan that is backed by the equity in your home. You don’t make loan repayments during your lifetime.
The loan is paid from the sale proceeds after the home no longer is your primary residence.
If you live a long time and the interest compounds to a large number, you won’t owe more than the equity in your home. The lender or the federal government will take the loss.
You can take the HECM / reverse mortgage as a lump sum, line of credit, or an annuity.
For example, you can arrange for a monthly annuity that will last as long as you live.
You still have to pay taxes and insurance on the home, and you’ll be responsible for maintaining it. But you receive part of your home equity in cash without having to move.
The major disadvantage of a reverse mortgage is that it is a relatively expensive way to borrow. Because of the costs, you’ll be able to borrow much less than the full equity of your home.
The percentage of the home’s value you can borrow will depend on your age and the level of interest rates when you borrow.
Here are the key points when planning how to use these reverse mortgage strategies to benefit from your home equity.
Downsizing is best done sooner rather than later..
There are social and emotional aspects to leaving a long-time home, so the longer you wait the more difficult the move and subsequent readjustment will be.
Age, of course, makes the physical act of moving more difficult. Physical limitations could make the move more expensive because you have to hire people to do things you would have done a few years earlier.
Also, the lifetime benefits of downsizing are greater when you act sooner.
The financial goals of downsizing are to increase your nest egg (resulting in higher income) and decrease monthly expenses. The sooner you make the change, the greater the lifetime financial benefits.
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.CLICK HERE…Downsizing also should occur beforeusing a reverse mortgage.
If you take out a reverse mortgage and decide to downsize later, you have to pay the reverse mortgage and all its accumulated interest and fees from the sale proceeds.
Taking out a reverse mortgage will foreclose downsizing in the future for many people.
Another thing to keep in mind: A reverse mortgage is very flexible.
Traditionally a reverse mortgage was used to pay for medical expenses or home maintenance late in life when other cash sources were exhausted or to set up an annuity to supplement Social Security and any other income. Those uses still are available.
Another option is to create a reverse mortgage line of credit.
You can use the line of credit to avoid reducing your nest egg when markets are down or unexpected major expenses arise. Then, pay down the line of credit from future investment returns.
The reverse mortgage also can be used before age 70 if you’re retired, but want to maximize Social Security benefits. You can supplement nest egg withdrawals and any other income with cash from either a HECM line of credit or monthly payments for a set period of years.
If your Social Security benefits begin at 70, you can choose to repay the reverse mortgage over time or wait to have the loan paid from a future sale of the home.
I don’t want to downplay the practical and emotional aspects of your home. Too many people, however, overlook the options for managing their home equity.
There are ways you can turn your largest expense into a source of extra cash flow.
The earlier you incorporate these ideas in your retirement plan and ensure you are in the right home for the long term, the more financially secure you’ll be through retirement.To a better retirement, Bob Carlson Editor, Retirement Watch WeeklyEditor’s Note: Deep State bureaucrats are rushing to seize as much as 30% of your retirement savings. Unless you act now, you’re facing the greatest destruction of financial assets in your lifetime. And while this scheme benefits insiders, big banks, and elite special interests…. it could quickly bankrupt you. Thankfully, there are three quick and easy steps you can take to protect yourself and your family. Click here now to get them before it’s too late.
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For older adults, choosing a cell phone is not a one-size-fits-all proposition. Some seniors love the latest high-tech smartphones with high-megapixel cameras, while others prioritize simple phones with basic functions. So, the best cell phone for seniors will depend on their comfort with technology, priorities, and budget. Click here to learn about the five best cell phones for seniors.
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.
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In last week’s edition of Retirement Watch Weekly, I shared some tips on how to put your home to work for you before and during retirement. Today, we’ll complete the list… 
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.
