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
– Ans. On 09-Aug-2001, Hampton hit his 7thHR of the season, tying Don Newcombe (1955) & Don Drysdale (1958, 1965) for most HR in a season by an NL pitcher. Hampton debuted with SEA in 1993.
– #1 In 1999, pitching for HOU, Hampton led the NL with 22 wins and finished behind only Randy Johnson in CYA voting. That same season, he also had 23 hits &10 RBI as a batter.
– #2 Hampton and his wife Katia offered a $25,000 reward to anyone who could assist in finding 9-year-old Jessica Marie Lunsford who went missing from his hometown of Homosassa Florida during Spring Training 2005. The girl was a classmate of Hampton’s son.
Today’s Night Prayer is brought to you by LifeQuotes
A Night Prayer
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
“I know not how to praise Thy mercy and Thy love; But deign my soul from earth to raise And learn from Thee above.” -St. Joseph the Hymnographer
Today’s Meditation
Let us acknowledge humbly that our natural tendency is to be too attached to our activities, to allow ourselves to be carried away by them till they fill our minds entirely. This won’t change until we acquire the wise habit of abandoning all activities, even the most urgent and important ones, in order to give time freely to God.
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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
In peace I will both lie down and sleep; for Thou alone, O Lord, makest me dwell in safety. — Psalm 4:8
Jalen Brunson Fulfilled the Knicks’ Dream and Earned His Place Among New York’s Greats
By Chris Mannix
The Knicks bet their future on the small guard four years ago. The Finals MVP delivered a championship to cap one of the most improbable rises in NBA history.READ MORE
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Now that Tarik Skubal is back on the mound, the question turns to how much longer it will be for the Tigers. If they move the two-time Cy Young winner, here is where he could end up.
Along with the usual superstars at the Midsummer Classic, the rosters always have some surprises. Here is one player at each position who could be an unexpected All-Star.
Even though Jacob Misiorowski did not throw a no-hitter on Friday night, there is a case to be made that his one-hit, 15-strikeout outing is one of the most dominant starts ever.
Mike Trout is the only active player who has been voted as an All-Star Game starter 10 times, and here is the complete list of players in double digits.
Energy giants like Exxon and Chevron are buying land in America’s lithium hotspot. Now they’ve got a new neighbor.
EnergyX has now acquired 35k gross acres in Southwest Arkansas, right next door. With tech that can recover up to 3X more lithium than traditional methods, they’re aiming for America’s lithium crown. General Motors already invested.
DISCLOSURE: EnergyX’s Regulation A offering has been qualified by the SEC. Before investing, carefully review the offering circular, including the risk factors. The offering circular is available at invest.energyx.com.CLICK HERE…Fellow Investor,
The widow’s penalty tax is one of the least known yet most onerous of the retirement Stealth Taxes.
Since few people are aware of it, few retirement plans defend against the widow’s penalty.
I frequently warn people about the “solo” years.
Those are the years after one spouse has passed away.
The surviving spouse must maintain the household with one less Social Security benefit and perhaps a decline in other income.
In addition, expenses are likely to increase because the surviving spouse needs help the deceased spouse used to provide.
Perhaps what’s least known about the solo years is that income taxes are likely to be substantially higher for the surviving spouse.
The solo years often are when retirement plans fall apart and the surviving spouse struggles.
The widow’s penalty tax is a major reason…
Here’s How the Widow’s Penalty Works
When both spouses are alive, the couple’s tax return filing status is “married filing jointly.”
But after one spouse passes away, the surviving spouse’s filing status changes to single.
The married filing jointly status is the most beneficial while the single filing status is unfavorable.
Taxpayers who are married filing jointly stayed in the 12% tax bracket until their taxable income exceeded $80,250 in 2020.
But a single taxpayer stays in the 12% bracket only until taxable income exceeds $40,125.
The 22% tax bracket applies to a married couple filing jointly until taxable income exceeds $171,050… but for a single taxpayer the ceiling is taxable income of $85,525.
A surviving spouse is allowed to use the married filing jointly status only for the year in which the other spouse died.
The special surviving spouse status can be used for a few years – but only if there is a dependent child in the household.
You can see the surviving spouse is hit with a double whammy.
First, as I mentioned earlier, income is likely to decline.
The household begins receiving only one Social Security check instead of two.
Other sources of income also might decline.
For example, the deceased spouse might have been receiving a pension or annuity that upon his or her death either ends or pays a reduced amount to the surviving spouse.
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…Second, the surviving spouse is pushed into a higher tax bracket.
The income usually doesn’t decline enough to keep the surviving spouse in the same tax bracket as a single taxpayer.
That would require the income to be cut in half.
Instead, the surviving spouse loses some income but also pays a higher income tax rate on the remaining income because of the change in filing status.
Income declines, but income taxes increase.
There can be a third hit to the surviving spouse.
Higher-income Medicare beneficiaries are subject to the Medicare premium surtax, also known as income-related monthly adjustment amount (IRMAA).
As with income taxes, the Medicare premium surtax changes with marital status.
A single taxpayer with the same income as a married couple will pay twice the Medicare surtax as the couple.
A newly widowed taxpayer who retained a high percentage of the couple’s previous income could pay as much or more in the Medicare premium surtax as the couple paid jointly.
In next week’s Retirement Watch Weekly, I’ll share a fourth negative effect of the solo years – and how to plan for the Widow’s Penalty Tax.To a better retirement, Bob Carlson Editor, Retirement Watch WeeklyEditor’s Note: Studies show many Americans make costly mistakes when claiming Social Security. In fact, the average household can lose up to $111,000 in benefits. Some lose out on even more.
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New to the Retirement Watch Community: SeniorResource.com
Retirement is often viewed as a period of life filled with relaxation, leisure, and the freedom to pursue passions and hobbies. However, transitioning into retirement also brings about a new set of financial challenges. While you may no longer face the daily grind of commuting or work-related expenses, there are several costs that can suddenly appear, potentially disrupting your financial stability. Understanding these costs and planning for them can help ensure a smoother and more enjoyable retirement. Here are 10 costs that can unexpectedly arise in retirement.
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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(13) Watch ye, stand fast in the faith, quit you like men, be strong. (14) Let all your things be done with charity. King James VersionChange email Bible version
Are we not in a spiritual fight? Do we not face an adversarythat wants to destroy us? Have we not committed ourselves to give our lives, if necessary? Matthew Poole, who published his commentary in 1685, makes a good point when speaking of “quit ye like men” (“be brave”, NKJV):
. . . you are as soldiers fighting against the world, the flesh, and the devil; do not behave yourselves like children, whom the least opposition will terrify and throw down; but like men, with a spiritual courage and fortitude, becoming such who have so good a Captain, and so good a cause.
The “captain of their salvation” (Hebrews 2:10) is our commanding officer in battle. Our Captain has given us the equipment we need to carry out our duties: these four imperatives. All of them—watching, standing firm in the faith, acting like men, and being strong—can be considered as masculine traits due to the military analogies; but they are not limited to men, nor should they be.
Satan has perverted the minds of today’s world to the point that these traits are regarded negatively. Feminists might concede that men are strong and courageous, in some cases, but foolishly so. We are told that women are loving and nurturing and these qualities are to be preferred. So much so that homosexuality is considered normal and a man that truly acts like a man is abnormal—a Neanderthal. It is a mixed-up world indeed.
However, these traits are not mutually exclusive! Notice what Paul says in verse 14: “Let all that you do be done with love.” Verse 13 is not for lumberjacks, and verse 14, for women and sensitive, new-age males! Not at all. As Christians, we are to “be men” and do all with love. Is not love showing concern for others? In the Christian fight, are not watching, standing in the faith, exhibiting courage, and being strong—in order to protect their loved ones and their way of life—showing love? Certainly!
The entire book of I Corinthians is, as Henry Halley says, “Mainly about Certain Church Disorders.” Brethren met in their homes and small halls in one of the largest, richest, and most important cities of the Roman Empire. The brethren there were faced with decadence, temptation, and vices of every sort. They experienced corruption on a grand scale. There were factions and competing groups. Sound familiar? Truly, “there is nothing new under the sun” (Ecclesiastes 1:9).
Our lives to this point have been difficult, and more tough times lie ahead. We know that God will provide. God is faithful (I Corinthians 1:9), and we do not need to worry about how He will do it. Instead, we need to take care of our end of the deal: to be ever-vigilant, standing firm in the faith, courageous and strong, doing everything in concern for others. All this is summed up by andrizomai: quit ye like men!
News for you, PeterPete Hegseth Explodes After Margaret Brennan Live Fact-Checks Military Stockpiles Claim | Video“You don’t have to read back to me what I testified,” he tells the “Face the Nation” hostThe Wrap Dana White condemns Josh Hokit’s ‘nasty’ Michelle Obama remarks at UFC Freedom 250 on White House lawnJosh Hokit gave the world the full Josh Hokit experience Sunday on the White House’s South Lawn.Uncrowned Draymond Green thinks the Spurs losing to the Knicks could dismantle their potential dynastyLooking ahead to the offseason under the new CBA regulations, Draymond Green explained how a premature roster shakeup coul…Basketball Network “ANTM ”star Angelea Preston reacts to Tyra Banks suing Netflix over docuseries editing: …“Can you release the footage of me winning?” says Preston, who said her “ANTM” title was stripped over…Entertainment Weekly Burgum blames Dems for high gas prices, not Strait of Hormuz turmoilInterior Secretary Doug Burgum shifted blame around rising gas prices amid the Iran war to Democratic state officials on F…The Hill San Andreas Fault stress hits 1,000-year high, raising quake riskScientists say the San Andreas and San Jacinto faults are more stressed than at any time in 1,000 years, raising questions…USA TODAY The Best and Worst Case Scenario for ‘Disclosure Day’ After $93 Million Box Office OpeningSteven Spielberg’s “Disclosure Day” got off to a solid start at the box office, but with Gen Z spurring the old …The Wrap Stock market today: Dow, S&P 500, Nasdaq soar on US-Iran pact to reopen HormuzUS stocks soared on news of a US-Iran peace deal that could reopen the Strait of Hormuz.Yahoo Finance Tristan Thompson gets brutally honest about Khloe Kardashian moving on: “I don’t think any guy is…Thompson and Kardashian have found common ground after their split, but the Canadian big man admits he remains protective …Basketball Network Interim US-Iran peace deal sparks anger among Israelis, who lash out at NetanyahuIsraelis from across the political spectrum reacted angrily Monday to the news of an interim deal between the U.S. and Ira…Associated Press More like this
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The widow’s penalty tax is one of the least known yet most onerous of the retirement Stealth 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 