THE IXTHYS LETTER Issue 13 / October 2016

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: +3.9 (Last update: 10/2/16) 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 has risen from +1.9 in our last issue to +3.9

in this issue. In light of this, our thesis has not changed: The market

is bullish and becoming stronger. If you have not done so already, you can pull all cash out of the Safe Haven

Portfolio and invest 100% in stocks listed in The IXTHYS Portfolio. See below for further guidance.

IXTHYS INVESTING ADVICE

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

Maintain 100% core positions in The IXTHYS Portfolio™ stocks

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

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

Current IXTHYS Market Direction Indicator™ Chart

Questions? Contact Us

www.ixthysletter.com

support@ixthysletter.com

THE IXTHYS PORTFOLIO™

Now entering our 2nd year! 1 Year Return: +47.6%. 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

Last update: 10/02/2016

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 this 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

Last Updated 07/31/2016

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: AMN HealthCare Company (NYSE: AHS)

Industry: Staffing Resources for HealthCare Industry

Market Cap: 1.5B

Dividend: none

Position Type: Growth

Business Profile: AMN HealthCare Company was launched in 1985 to provide staffing services to the healthcare

industry. Since the industry is growing, so is AMN. The company through acquisitions has branched into 5 areas of

staffing: permanent physicians, executive staffing, nursing, tech help, and pharmacy staffing. It has developed 20

separate brands and operates across the U.S. The company regularly lands in the “Top 100 Places to Work in Healthcare.”

AMN believes in charitable mission and has formed its “Team Esparanza” which regularly helps healthcare providers in

developing nations. The company also funds a local food bank, provides resources to the homeless, and raises money for

mental illness research through a sponsored walk program.

Fundamental Analysis: Shares of AHS trade at a low PE of 14.8, a low P/S of 0.88, but its growth numbers of through

the roof. The company grew EPS 143% this year and 25.5% annually over the past 5 years. Sales grew 35% last quarter

and 17% annually over the past 5 years. All analysts rate shares at a strong buy (1.4). Zacks gives the company a rating of

2 (buy) due to recent upwardly revised guidance from the company.

Technical Analysis: Shares of AEL have pulled back in recent weeks after hitting new alltime highs in early August.

This 30% dropoff is largely due to lowered guidance from several of the largely players in the field, but AHS actually

topped estimates in its most recent quarterly report. Thus it is our estimate this selloff is overdone. Shares now trade at

prices not seen since early in March, and near strong price support in the $30/$32 area.

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

The 5-Point Plan for Financial Success

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

Article adapted from “A 5-Point Plan to Financial Success” by Lisa Smith in Investopedia

Have a Plan

Financial security won't happen by accident, and it won't happen overnight. Just as businesses have quarterly

goals, annual revenue targets and five-year business plans, you need to approach your life with a long-term

strategy made up of a series of actions and goals. Success rarely happens at random. You need to have a plan.

Invest in Yourself When businesses want to grow, they invest in themselves. The same logic applies to individuals. Before you even begin your career, an investment in education can provide an opportunity to increase your potential lifetime earnings. Going to college or a trade school can provide knowledge and credentials that make you a more attractive and higher-paid part of the workforce. If circumstances or personal interests do make education an attractive option for you, consider starting a business. Working for yourself can bring more satisfaction, more money and greater control over your job stability than working for somebody else.

Keep in mind that investing in yourself is not a one-time effort. Think of it from a business perspective. Investments in research and technology, infrastructure and physical plants are an ongoing part of the business. Keeping up with the times and the competition is part of the process of maintaining a successful business and a crucial part of building and growing the business to take it to the next level. Looking at the situation from a personal perspective, if you have a bachelor's degree going back to school at mid-career can provide a boost to your credentials and help you keep pace with the competition. If you have a trade, continuing your education can open up new opportunities.

Regardless of your profession, adding a new skill or designation can increase your revenue generating opportunities. If you run a business, opening up a new sideline can increase your opportunities in the marketplace. If you don't own a business, moonlighting at mid-career can provide a second source of income that serves as a backup to your primary career.

Learning new skills is an investment that should continue over the course of your lifetime. Expand your interests. Keep an eye out for opportunity. You can continue to build your skill set even during retirement. A second career is not only often more fulfilling than the first one, but it can set up a revenue stream that truly makes your golden years golden. Even if you've been tremendously successful and no longer need to work, you can continue to invest in yourself by building your knowledge base. Learning about your

investment portfolio, for example, can be an interesting and lucrative opportunity. In an age marked by scandal, there's no better motto than "trust but verify."

Get out of Debt Debt management is a critical exercise for every successful business, and there's a reason for the saying "cash is king." Be different. Buck the trend. Don't rack up debt in the typical consumer fashion. The cost of an education and a primary residence are generally beyond most people's ability to pay for in cash. Beyond that, if you can't pay cash don't make the purchase. As far as education and the home, pay off the education before you buy the home.

As for the home, don't stretch your budget. Buy what you can easily afford and pay it off as quickly as possible. There's a long list of financially strapped investors who had supposedly great and fool-proof ideas about going into debt to put the money to work in investments that would earn a greater rate of return than the cost of the interest rate to service the debt.

If you are an entrepreneur, debt may be a necessary tool. Putting your money in to an appreciating asset is different than using debt to fund a new car, vacation or wardrobe. Paying interest on consumer goods is simply a waste of money and undermines your financial foundation. Investing in your business is a way to increase your potential revenue.

Find a Like-Minded Partner Getting married can give your life a powerful financial boost. Shared values are the key to success. While it may not sound romantic, having the same outlook on money will go a long way toward creating both a secure financial future and a happy marriage. There aren't many couples in divorce court complaining about the fact that they are financially secure, debt free and successful.

Plan together and spend together. The purchase of big ticket items should not be a surprise to either partner. Make decisions regarding debt and credit as a team. If one member of the team is opening up credit cards and the other member is working two jobs to pay for the debts, the team is headed for trouble. Save together. Set a goal of living on one income while using the other to pay down debts. Once you are debt-free, live on the lower income and invest the rest.

Be Patient Bad things happen to good people. Despite the best plans, setbacks happen. Jobs are lost, investments fail, tragedy strikes in ways big and small. Be patient. Don't let the small, temporary setbacks distract you from your long-term goals.