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
Join us this Thursday for a special tasting with Nora Comee of Vineyard 29, one of Napa Valley’s most acclaimed estates. Discover a lineup of beautifully crafted, small-production wines that showcase the depth, elegance, and power of this iconic vineyard. Wines from this tasting will be available for pre-order only.
We’ll be pouring four standout selections, all available now for pre-order at a special sale price:
2022 Cru Cabernet Sauvignon(92 pts, Jeb Dunnuck) – “Beautiful red and black fruits, new leather, graphite, and floral incense notes emerge from the 2022 Cabernet Sauvignon Cru, a blend of 90% Cabernet Sauvignon, 3% Petit Verdot, 3% Malbec, 2% Cabernet Franc, and 2% Merlot. Medium to full-bodied, round, and textured, with fine tannins, this nicely balanced effort will drink well for 8-10 years.”Reg. $79.99/Sale Price $70
2023 Ceandra Cabernet Sauvignon(95+ pts, Jeb Dunnuck)– “The 2023 Cabernet Sauvignon Ceanda exhibits darker, black and blue fruits, cassis, plums, graphite, scorched earth, spicy oak, and freshly sharpened pencil nuances. Aged 20 months in 70% new barrels, this 94% Cabernet Sauvignon, 4% Petite Verdot, and 2% Cabernet Franc blend is medium to full-bodied and has a concentrated, pure, focused mouthfeel, rock-solid tannins, and a great finish. This brilliant 2023 needs 4-5 years of bottle age and will evolve for well over two decades. Drink 2029-2050.”Reg. $149.99/Sale Price $134
2021 Aida Cabernet Sauvignon(97 pts, Jeb Dunnuck) – “Another gem of a wine from this estate, the 2021 Cabernet Sauvignon Aida Estate includes 1% Petit Verdot and spent 20 months in French oak. It has a darker red and blue-slanted fruit profile as well as some classic tobacco, scorched earth, and graphite aromatics. These all carry to a medium to full-bodied Cabernet Sauvignon with a seamless, layered, elegant mouthfeel, ripe, building tannins, and a pure, focused style that will benefit from 3-4 years of bottle age. The balance, purity, and sheer class here are top notch, and this will see its 20th birthday in fine form.”Reg. $264.99/Sale Price $238
2021 V29 Estate Cabernet Sauvignon(98 pts, Jeb Dunnuck) – “All varietal, the 2021 Cabernet Sauvignon 29 Estate was aged 20 months in 83% new French oak. It reminds me of a great vintage of Pichon Baron in Bordeaux and has a stunning nose of blackcurrants, smoke tobacco, graphite, and lead pencil shavings. With full-bodied richness and incredible density and extract on the mid-palate, this structured, flawlessly balanced, gorgeous 2021 will benefit from 3-5 years of bottle age and cruise for two decades in cold cellars.”Reg. $264.99/Sale Price $238
About the winery…Vineyard 29 is a prestigious Napa Valley estate located in St. Helena, dedicated to crafting world-class wines that reflect both precision winemaking and a deep respect for the land. Known for its small-production Cabernet Sauvignon and Bordeaux varietals, Vineyard 29 combines traditional techniques with innovative practices to produce wines of remarkable depth, balance, and elegance. With a focus on estate-grown fruit and meticulous attention to detail, each bottle showcases the unique character of its vineyard sites.
Thank you for shopping local!
Kate, Donna P., Heidi, Valerie, Beth, Melanie, Mari, Patty, Donna B., Matt, Bill, Steve, Rande and Mike
President Donald Trump said on March 16 that several nations will send warships to join the U.S. Navy in escorting commercial ships through the Strait of Hormuz but expressed disappointment…
At the height of the farm crisis of the 1980s, Wendell Berry wrote in a new foreword to the “The Unsettling of America”: “Farmers are losing their farms, some are killing themselves, some in the madness of despair are killing other people, and rural economy and rural life are gravely stricken. … We are closer every day to the final destruction of private ownership not only of small family farms, but of small usable properties of all kinds.”
The great “unsettling” detailed in Berry’s book unfolded as agriculture became industrialized in the 1970s and 1980s and government policy pushed farmers to scale their operations and produce larger yields per acre. As a result of the spiraling cycle of rapid expansion and the implementation of factory-style farming techniques, fewer farmers did more work with greater debt loads. Then, in the 1980s, an increase in interest rates, a drop in exports, and a plummet in land and crop prices pulled the rug out from under the whole unstable system.
Many farmers went bankrupt, and farming families were displaced from their farms and driven to the cities by economic necessity. With the evaporation of small family farms and the corporatization of large ones, economic opportunity in rural America dwindled.
There was no longer a sufficient population nor sufficient economic health to maintain local economies. Many small rural towns became virtual ghost towns as a result. Their once-vibrant main streets consist of boarded-up, disheveled, and dilapidated old buildings standing blankly beside an empty street, a kind of architectural cemetery of a past America.
Commenting on that collapse, business consultant, entrepreneur, and Iowa native Danna Larson told The Epoch Times, “The farm crisis was devastating to rural America, especially the Midwest, and it left a lot of people with no option but to leave.”
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Final Hours: The Vault is Closing
The biggest studios in entertainment were built on globally recognized character IP.
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The company just closed a major motion picture deal – a milestone about to reshape its financial trajectory.
This is the last chance to get in before their private round closes for good.
*Shares are limited and not guaranteed until checkout is complete.
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Bloomberg is calling Elon Musk’s upcoming SpaceX IPO “the biggest listing of ALL TIME.” But here’s the thing – most investors will be locked out until AFTER it goes public. Not you. I’ve found a ‘backdoor’ that lets everyday Americans grab a pre-IPO stake in SpaceX right now. Go here for the free “SpaceX” ticker This ad is sent on behalf of The Oxford Club. 105 W Monument St, Baltimore, Maryland 21201. If you would like to optout from receiving offers from The Oxford Club, please click here.Lockheed Martin Goes Full Throttle On Weapons Production— Commits To 4X Output After Trump Meeting
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We believe we’ve found Elon Musk’s next big move… and what looks to be the world’s first $10 trillion company. OpenAI, NVIDIA, and Amazon’s Jeff Bezos are all behind the revolutionary idea behind this company. If this company were formed today, it would already be worth more than Tesla, SpaceX, Meta, and Amazon. And you can get exposure, before it goes public. I explain how in a short new briefing. Go here to watch it completely free.A Russian-flagged tanker erupts in a massive fire and sinks off Libya
Trump advisers and family members made headlines over Iran escalation warnings, financial disclosures, and midterm election strategies. Continue reading ➔
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Cryptocurrency punters are increasing the odds that a country other than the U.S. and Israel will strike Iran amid rising fears that the regional conflict could spread to Gulf states where American troops are stationed. Continue Reading ➔SpaceX IPO Confirmed: Claim Your Stake Today – Ad
Elon Musk is about to take SpaceX public in what’s set to be the biggest IPO ever. But there’s no need to wait for the company to go public. You can claim your stake today. The New York Times predicted it “will unleash gushers of cash for Silicon Valley and Wall Street.” Continue Reading ➔Broadcom’s New Chip Doubles AI Data Speeds To Break Records
Blue chip stocks can be an ideal addition to your portfolio if you are risk-averse. These companies enjoy a favorable reputation and historic stability in the markets. Based on the latest activity, these 4 blue chip stocks have been gaining fast.
We believe we’ve found Elon Musk’s next big move… and what looks to be the world’s first $10 trillion company. OpenAI, NVIDIA, and Amazon’s Jeff Bezos are all behind the revolutionary idea behind this company. If this company were formed today, it would already be worth more than Tesla, SpaceX, Meta, and Amazon. And you can get exposure, before it goes public. I explain how in a short new briefing. Go here to watch it completely free.Elon Musk Is Now Worth More Than Bottom 693 Billionaires Combined
Trump rejects reports of military opposition to Iran conflict, asserts he makes decisions, cites past strikes, warns of severe outcomes if talks fail. Continue Reading ➔
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In a global shipping industry defined by geopolitical crosscurrents and economic uncertainty, identifying value requires a focus on companies that demonstrate operational resilience and unique, identifiable catalysts. While market volatility has kept many investors on the sidelines, ZIM Integrated Shipping Services Ltd. (NYSE: ZIM) has emerged with a compelling narrative.
ZIM Integrated Shipping Services Ltd. (ZIM) recently navigated a challenging market to post a surprise fourth-quarter profit, showcasing a healthy business model. More significantly, ZIM is at the center of a multibillion-dollar acquisition that creates a clear and significant valuation gap, presenting a noteworthy situation for investors monitoring the transportation and logistics sector.
A company’s ability to generate profit during periods of market normalization is a key indicator of its fundamental health. For the fourth quarter of 2025, ZIM delivered an earnings surprise that defied market expectations. ZIM reported a net profit of 32 cents per share, a figure that stood in stark contrast to the consensus analyst estimate of a $1.01 per share loss. This outperformance is a testament to ZIM’s strategic and operational discipline.
This bottom-line strength was achieved even as the broader market saw a cooling of the record-high freight rates that characterized previous years. ZIM’s quarterly revenue came in at $1.48 billion, and the average freight rate per twenty-foot equivalent unit (TEU) settled at $1,333. ZIM’s ability to turn a profit in this environment points to a successful, proactive operational strategy.
A key driver of this efficiency is ZIM’s fleet modernization program, which has focused on integrating newer, more cost-effective, and fuel-efficient Liquefied Natural Gas (LNG) vessels. These ships consume cleaner fuel and are designed for greater efficiency, allowing ZIM to lower voyage costs and protect its margins.
This operational strength was backstopped by a supportive, albeit complex, macroeconomic environment. Ongoing geopolitical tensions and disruptions in the Red Sea have compelled global carriers to reroute vessels around the Cape of Good Hope. These longer transit times effectively absorb excess global shipping capacity, creating a functional floor for freight rates and preventing a market collapse.
ZIM’s performance demonstrates its ability not only to withstand these headwinds but also to leverage its efficient fleet to capitalize on the resulting market stability. For investors, this proven profitability provides a strong fundamental backstop, reducing downside risk as the ZIM moves toward the next major chapter in its corporate story.
A $35 Cash Buyout and the Valuation Gap
While ZIM’s operational health is impressive, the most significant catalyst currently shaping its investment profile is a pending acquisition by German shipping giant Hapag-Lloyd (OTCMKTS: HPGLY). On Feb. 16, 2026, the two companies announced a definitive agreement under which Hapag-Lloyd would acquire ZIM for $35 per share, in an all-cash transaction. The deal values ZIM at approximately $4.2 billion and fundamentally reframes its valuation for the foreseeable future. The strategic move is expected to bolster Hapag-Lloyd’s market position, particularly on trans-Pacific routes where ZIM has a strong presence.
This acquisition creates a classic merger arbitrage scenario for investors. This strategy involves buying the stock of a company being acquired to profit from the difference, or spread, between the current trading price and the acquisition price. With ZIM’s stock trading around $28 per share, a clear valuation gap exists. Should the deal close as planned, this spread represents a potential upside of over 20% from current levels. This presents a mathematically defined opportunity in which the potential return is not tied to fluctuating freight rates or future earnings, but to the successful completion of the transaction.
As an additional return, ZIM has declared a fourth-quarter dividend of 88 cents per share, payable to shareholders of record as of late March 2026. (Currently, ZIM has not declared an ex-dividend date for the quarter.) However, investors should note that the merger agreement restricts future special dividend distributions, firmly placing the focus on the $35 acquisition price as the primary driver of shareholder returns.
In effect, the buyout offer acts as a powerful magnet for the stock price. The central consideration for investors is no longer predicting the direction of the shipping market, but assessing the likelihood that the acquisition will cross the finish line.
There are 90 paper gold claims for every real ounce in COMEX vaults. Ninety promises, one ounce of metal. It’s like musical chairs with 90 players and one chair. COMEX gold inventory dropped 25 percent last year alone as gold flows East to Shanghai, Mumbai, and Moscow. On March 31st, contract holders can demand delivery. When similar situations arose in the past, markets closed and rules changed. Paper holders got crushed while mining stock holders made fortunes. One stock sits at the center of this crisis.Get the full story on this opportunity now.
A Clear Path to Merger Completion
In any cross-border acquisition, regulatory approval is a critical checkpoint. For the Hapag-Lloyd and ZIM merger, the most significant consideration involves the Golden Share held by the State of Israel. As an island nation in many respects, Israel relies heavily on maritime trade for its economic stability and national security. The Golden Share grants the government special rights to ensure the country’s strategic shipping interests and vital supply chains are maintained, particularly during times of crisis.
Rather than viewing this as an insurmountable hurdle, the two companies have engineered a proactive, elegant solution into the deal’s architecture. To secure regulatory approval and address Israel’s national security concerns, the agreement includes the formation of a new, independent Israeli entity to be called New ZIM. This new company will be operated by FIMI Opportunity Funds, which will acquire the Golden Share from the state. New ZIM will maintain and operate a dedicated fleet of 16 modern vessels to service critical trade routes, guaranteeing that Israel’s supply chain integrity remains fully intact following the acquisition.
Furthermore, Hapag-Lloyd has committed to providing commercial support to New ZIM, ensuring a stable and collaborative operational transition. This well-defined structure was specifically designed to satisfy regulatory requirements from the outset. By presenting a clear, functional solution to the primary potential roadblock, the companies have significantly increased the likelihood of the deal closing successfully, thereby strengthening the case for the merger arbitrage opportunity.
Why ZIM Warrants Investor Attention
ZIM Integrated Shipping’s recent performance confirms its status as a resilient and efficient operator in a complex global market. ZIM’s surprise fourth-quarter profit demonstrates a fundamental strength that provides a solid foundation for its current valuation. This operational health is a key de-risking element for what has become the main event for shareholders: the pending all-cash acquisition by Hapag-Lloyd. The structured plan to address Israeli regulatory concerns provides a clear, confident path forward to completing the deal.
For investors, the situation presents a unique confluence of factors. The company’s proven profitability supports the investment thesis, while the fixed $35-per-share buyout offer provides clear, defined upside. Investors looking to capitalize on merger arbitrage opportunities may find the current spread in ZIM Integrated Shipping shares compelling. The combination of a fixed-price cash buyout and solid underlying corporate performance presents a well-defined risk-reward profile worthy of a place on your watchlist.
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Hi Ann,
Dan here again.
Previously, I told you about the women of Bama who seem to have forgotten to age.
But now, we need to have a serious conversation about why that isn’thappening here.
It often starts quietly, in the morning.
You wake up after a full night of sleep… but you do not feel rested.
You feel a heaviness in your limbs. A mental fog that takes hours to clear.
You walk to the bathroom and look in the mirror. And you see the changes.
It isn’t just the gray hair or the fine lines. It is something deeper.
You see a loss of “spark.”
Your skin looks thinner… almost transparent. Your eyes have lost that bright, sharp intensity they used to have.
It feels like the volume knob on your life is being turned down year after year.
And as you go through your day, you feel the resistance.
Carrying the groceries feels like a workout. Walking up the stairs leaves you slightly out of breath.
Of course, you are not “sick.” You can still function. You can still smile and say “I’m fine.”
But inside, you feel a silent, slow subtraction. You feel yourself becoming less visible. Less vital.
How can this be happening?
We have access to the best health care in human history. We have gyms on every corner. We have shelves full of vitamins, collagen, and superfoods.
Shouldn’t we stay young, in great shape, and vibrant all our lives like the women of Bama?
But what I’ve found is that the culprits aren’t the toxins in the air or the processed food (though those play a part).
It’s the invisible weight on your shoulders, the need to be a superwoman that does everything…
… Thinks about everyone (but herself!)…
… And does so without daring to complain.
This is precisely what leads to the constant, low-grade stress of modern life that never shuts off.
Something Western Medicine tells you isn’t serious.
Something most doctors can’t even detect.
When you sit in that cold exam room and tell your doctor you just don’t feel right… he looks at his clipboard and says the words every woman dreads:
“Everything looks normal.”
He tells you it’s just “hormones.” He tells you it’s just “part of getting older.”
He might offer you a sleeping pill for insomnia, or a cream for your skin… because he assumes your fatigue is just in your head.
He treats you like a mechanic fixes a car. He tries to patch the rust, top up the fluids, or replace the parts.
But you’re a living, breathing human being. Not a piece of metal.
I realized that if I wanted to find the real answer… the answer that explains the vitality of the Bama women… I had to look outside this system.
I needed to find someone unique who doesn’t see women as a body made of parts.
But as whole beings.
Someone who understood the hard science of Western anatomy… but who also possessed the lost wisdom of the East.
Someone who could bridge the gap between a modern hospital and a remote village in China.
It took me years of searching and traveling the world. Professors at Harvard had one explanation, while Naturopaths in California had a completely different one.
But finally, I found him.
And when you see who he is… and what he knows… you will see that protecting your youth, your energy, and your radiance is much simpler than we’ve been led to think.
News for you, Peter
Today’s game
Trending now1. 
Get the edge with curated investment insights, macro trends, and powerful strategies tailored for success.
Clear, systematic insights and strategic market analysis to inform confident investing decisions.
RJ Hamster 