THE IXTHYS LETTER Issue 17 / February 2017 Now in our 2nd year! 1st Year Return: +47.6%

WHAT IS IXTHYS?

IXTHYS is the Greek word for “fish,” a symbol of both sustenance and

provision. As a company, IXTHYS is both an advisory service and a

Personal Finance System™ designed to help everyone get out of debt,

invest wisely, maximize income and build lasting wealth.

Q: How does IXTHYS find its investment opportunities?

A: Every day we scan the markets for companies with strong organic

growth, trading at a reasonable price, with competent management

and high ethical standards. We time our entries using technical

analysis and hold as long as the company continues to perform.

Q: How does IXTHYS help me during market downturns?

A: Every subscriber has access to our IXTHYS Market Direction

Indicator™ (MDI) which alerts to an oncoming bear market with 91%

accuracy. We use the MDI to move funds into the IXTHYS Safe

Haven Portfolio™ which allows us to profit from market corrections.

“Honor the Lord with your wealth, then your barns

will be filled with plenty.” – Proverbs 3:9

IN THIS ISSUE

1. How to Use the IXTHYS

Letter

2. IXTHYS Market Direction

Indicator™

3. Current Market

Commentary

4. Highlighted Investments

for September

5. Current IXTHYS Portfolio

with buy-sell-hold signals

6. Past Performance

Statistics

7. Educational Article

8. Inspirational Thought of

the Month

HOW TO USE THE IXTHYS LETTER

1. Check the IXTHYS Market Direction Indicator™ (MDI) and Market Commentary sections so you

know what kind of market we are currently in. Any change in the MDI signal between monthly

updates will be emailed to subscribers.

2. Read the instructions given with The IXTHYS Portfolio™ which are based on the current MDI

signal. Adjust your current holdings accordingly. If you are new to The IXTHYS Letter, consider

buying one or more of the holdings in The IXTHYS Letter as directed (those with a “Buy” rating).

Consider adding to any IXTHYS Portfolio companies you already own that have a “buy” rating and

selling any that have a “Sell” rating. Note that we hold up to 18 positions in The IXTHYS

Portfolio™, depending on market conditions, so determine your position size on this basis.

3. If the IXTHYS MDI™ signals that we are in a bear market, consider reducing your positions in The

IXTHYS Letter (we recommend 50% of your initial investment) and putting any uninvested cash

into the IXTHYS Safe Haven Portfolio™ as directed. There are 8 Safe Haven positions so be sure

to divide this univested cash by 8 and put an equal amount into each position.

4. The IXTHYS Plan for Personal Finances™ is Dr. Carr’s method for stewarding your personal

finances. It is intended to help you increase your income, multiply that increase, and build lasting

wealth through strategic investments. This section of The IXTHYS Letter is under development,

but in future issues you will have access to short videos that explain the various components of the

Plan. You can learn more about the IXTHYS Plan by watching this introductory video: CLICK

HERE

IXTHYS MARKET DIRECTION INDICATOR™

Current Market Direction Indicator™: UP MARKET. Date of

signal: June 23, 2016.

MDI Signal Strength: +4.9 (Last update: 2/2/17) The range of

the MDI Signal is from +5.0 to -5.0. A cross of the 0-line indicates a

shift from UP to DOWN or DOWN to UP.

Date of previous signal (DOWN MARKET): September 21, 2015.

IXTHYS MARKET COMMENTARY

The MDI Signal Strength rose from +4.7 in our last issue to +4.9 in

this issue. The market is bullish and strength is high. At this time, the

MDI signal continues to advise full investment in the stocks listed as “Buy” in The IXTHYS Portfolio. See

below for further guidance.

IXTHYS INVESTING ADVICE

Given current market conditions, we consider it best to do the following:

Take any remaining cash out of the IXTHYS Safe Haven Portfolio™

Maintain 100% positions in The IXTHYS Portfolio™ stocks

Consider adding shares of our highlighted stock(s) up to full position size

Current IXTHYS Market Direction Indicator™ Chart

Questions? Contact Us

www.ixthysletter.com

support@ixthysletter.com

THE IXTHYS PORTFOLIO™

The following investments are designed for long-term holds in an uptrending market. We always hold a core position in

each company in the portfolio until the key factors that caused us to buy the stock (see the free report, “The 5 Keys To

Successful Investing”) no longer obtain. During bear market signals from the MDI, we reduce our size in these stocks to

50% and put the cash, along with any uninvested cash, into the IXTHYS Safe Haven Portfolio.

RECENTLY CLOSED POSITION (IXTHYS PORTFOLIO):

Tesoro Corporation (TSO): +75.3% from 2/7/14 to 5/1/16 – includes dividends

THE IXTHYS SAFE HAVEN PORTOLIO™

The MDI has signalled an UP MARKET as of 06/30/16. All available cash should now be out of the Safe Haven

Portfolio and in the IXTHYS Portfolio above. The MDI signal worked perfectly for us. Between the DOWN

Market Signal on 9/22/15 and the current UP Market Signal we gained:

+14.9% in the Safe Haven positions

Including $10.87 per share in dividends

And lowered entry prices in all but 3 of the IXTHYS Portfolio stocks

THE IXTHYS SAFE HAVEN PORTFOLIO

Symbol Company Entry Date

Entry Price

Current Price

Div'd ROI Industry Type of Position

B-S-H

TLT 20+ Year Treasury

Bonds 22-Sep-

15 121.44 141.56 2.83 18.9% Bonds Safe Haven SOLD

ZROZ 25+ Year Zero Coupon Bonds

22-Sep-15

111.42 138.35 2.70 26.6% Bonds Safe Haven SOLD

IEF 7 - 10 Year Treasury

Bonds 22-Sep-

15 106.80 112.76 2.20 7.6% Bonds Safe Haven SOLD

GLD SPDR Gold Shares 22-Sep-

15 108.49 127.88 0.00 17.9% Commodities Hedge SOLD

FXY Japenese Yen

Currency 22-Sep-

15 80.57 94.71 0.00 17.5%

Foreign Currency

Safe Haven SOLD

XLU Utilitiy Stocks ETF 22-Sep-

15 42.21 52.14 1.23 26.4% Utilities Safe Haven SOLD

KXI Consumer Staples

Stocks ETF 22-Sep-

15 88.10 99.99 1.91 15.7%

Consumer Staples

Safe Haven SOLD

RWM Short Russell 2000 22-Sep-

15 62.37 55.33 0.00

-11.3%

Bear Russell 2000

Hedge SOLD

IXTHYS NEW HIGHLIGHTED INVESTMENT

The following company is brought to you as suggested new entries in The IXTHYS Portfolio™. All information

presented here is for informational purposes only. Please do your own due diligence before investing.

STOCK OF THE MONTH: none…we are “full up” with 18 open positions (our maximum)

Industry:

Market Cap:

Dividend:

Position Type:

Business Profile:

Fundamental Analysis:

Technical Analysis:

IXTHYS WATCH LIST

The following companies are brought to you as part of our ongoing research process. These are companies that

have passed most or all of our financial and ethical filtering process but for various reasons are not yet ready

for long-term investments. They remain “stocks of interest.”

THE IXTHYS PLAN FOR PERSONAL FINANCES™

The IXTHYS Plan for Personal Finances™ is a system developed by Dr. Thomas Carr. It is based on a passage

from one of the Apostle Paul’s letters (2 Corinthians 9:6-11). The IXTHYS Plan is summarized by the three boxes

below. Whereas most personal finance plans teach you to live small, cut back, save, and hope for the best, Dr.

Carr’s system teaches the 7 essential skills needed to increase your income, multiply that increase, and invest it

strategically in order to build life-changing, long-lasting wealth.

In future issues of The IXTHYS Letter, you will learn more about this system and how God wants to partner with

you as your steward your finances toward the fulfillment of the dreams He has placed in your heart!

The IXTHYS Plan video: CLICK HERE

IXTHYS FINANCIAL WISDOM

3 Pearls of Wisdom from Dave Ramsey

Note: Dr. Carr and The IXTHYS Letter neither endorse nor reject the following advice

The following comes from WiseBread (blog website)

Between his best-selling books, radio show, and motivational speeches, Dave Ramsey has

been giving solid personal finance advice for more than two decades. He takes a no-

nonsense approach to managing money — just the way I like it — while offering advice

that's practical, actionable, and guaranteed to put you on the path toward financial

freedom. Ramsey's pearls of financial wisdom can help you get ahead and gain control of

your finances. Here are three of my favorites.

1. Don't Worship Stuff

Many people grow up thinking they need stuff to be happy. We often confuse our wants

with our needs, and convince ourselves we "need" a big house, a fancy car, and

everything else in between.The more we have, the more successful we feel. The

problem, however, is that stuff costs money — money we might not have.

In his book, The Total Money Makeover: A Proven Plan for Financial Fitness, Ramsey nails it when

he says, "We buy things we don't need with money we don't have to impress people we

don't like." Ain't that the truth.

Some of us become so obsessed with keeping up that we sacrifice our future financial

health and willingly go into debt just so others will think we're successful and can afford

a certain lifestyle. However, the joke's on us because this type of thinking gets us

nowhere financially — and fast.

The best thing you can do for your money is stop worrying about the opinions of others

and realize stuff doesn't make you happy or richer. Ramsey encourages "living

substantially below your means." Just because you make $75,000 a year doesn't mean

you have to spend $75,000 a year. Simplicity is key to acquiring financial freedom.

2. Build a $1,000 Emergency Fund — Now

According to Ramsey, this is the first step to financial stability. This doesn't suggest you

can't have more in your emergency fund. Like many other financial experts, Ramsey

speaks about the importance of having a sizable cash cushion — at least three to six

months of income. But since this takes time, Ramsey's Financial Peace University

program recommends baby steps and starting with a $1,000 emergency fund.

This ensures enough cash to handle life's curveballs, so you don't have to rely on credit

cards. This might come as a shock, but building a small emergency fund takes priority

over paying off debt (although you'll still need to make minimum debt payments while

growing a small emergency fund).

Do whatever you can to build this emergency fund. For example, sell stuff you don't

need at a yard sale, work overtime, or get a side hustle. The idea is to fund this account

as soon as possible. You'll enjoy peace of mind knowing you can handle an emergency,

and it's only after building an emergency fund that you can start improving other areas

of your personal finance.

3. Don't Be a Slave to a Lender

We live in a world where anything can be financed — from electronics to houses. And

some people fall in the trap of thinking they can afford something as long as they're able

to make the minimum payments.

Ramsey's financial philosophy revolves around living debt-free. He's a big believer in not

carrying any type of debt, including an auto loan and a mortgage. In fact, he says he

would rather ride a bike than take out a car loan.

In his book, Financial Peace Revisited, Ramsey says, "We want it all, and we can borrow to

get it all, before we can afford it all." For some, getting a loan or credit card has never

been easier. But the more debt you have, the more you have to work, and the less

money and time you'll have to enjoy your life.

Once you have a small emergency fund, Ramsey says it's time to tackle your non-

mortgage debt. Not just your credit card debt — all of your debt. He feels that debt-free

living isn't just about paying off revolving debt, but also paying off student loans and car

loans.

He recommends the debt snowball method, in which you pay off your smallest balance

first. You'll make large payments toward this debt every month, while making the

minimum payments on all your other debts. After you get rid of the smallest balance,

take the money you were using to pay off this balance and apply it to the next smallest

balance, and so on. You'll eventually pay off your debts, at which point you can start

increasing your $1,000 emergency fund, aiming for three to six month's worth of

income.

After paying off debt and building a "real" emergency fund, Ramsey puts the focus on

your mortgage and encourages paying off this debt as fast as you can. Becoming

mortgage-free might feel like a stretch, but since you don't have other debts hanging

over your head, you're able to increase your mortgage payments without breaking a

sweat and pay off this debt years sooner.

That's the American dream if I've ever heard of it.