Stewardship IV Report for March 2016A.D. www.davidholmesagency.com Dated April 5, 2016A.D. Welcome new investors! Let your light shinet Report for March 2076: For March 1,7; last &2 months-14.5%: last 3 yrs: 24.0% Note: our Individual Reports are daily and individually calculated using the professional services of CapTools. Thus, our reports, calculations and numbers meet or exceed the requirements of the SEC reporting and calculation standards. *Only th the Psalm 23 figures show net after fees. Mauss, mess Latest Last 3years | Since 123012 | Periods 2015 | month Avg, Annual Change Fund/month’s Year| Mar 2016 BAe = IAIN | TAMAS | Psatm 23% 71 17 26.2 5P500 =05 at = 65 RYVYX +135 70 26.0 VBTLX 25 10 25 FMAGX 30 BT 70 | Most of our money has been out of the market patiently waiting for the opportune buy-low time to re-invest. Stay tuned, our decline is temporary. Likely back in ‘market’ this month. Life Insurance Alert: Most over the age of 50 to 55 should consider the wisdom and prudence of personal life insurance policies. Employer's Group Life Insurance usually cannot be continued upon leaving company employment! Most will be surprised at the very low cost of competitively priced 10, 15, 20 and 30 year level price policies. Some are finding out and more will discover their uninsurability ... too late. Call today for professional, competitive quotes. IRA Notes: Recently a 30 year old client sent in $5,500 to be placed in a ROTH IRA. WHY did I recommend that it be placed in a Traditional IRA? The investor will pay at least $500 in taxes, In 35 years, just that single $500 would grow to an additional $295,334 with 20% Average Annual Gains. With the usual 5% gains, not so much: only $2,758. I've included a copy of an Intelligence Editorial on the NYPD Report: “Radicalization in the West: The homegrown Threat.” The Report was published (as shown) in August 2007. It remains even more relevant and important today ... as the media and President Obama play down and obscure the growing, increasing Islamism terrorism across the world and particularly now in America. As the Report and editorial sa 1 ‘eee, us, living among us, and using the very systems that have made America strong to destroy us. Taxes and Savings: Did you realize that the 6% FICA tax is larger than the usual average savings of most funds and it is not deductible against income taxes! *Fund performance graphs: Usually, unless stated otherwise, the BigCharts.com charts show gross Price performance, that is they do not include dividends or interest. if any, and are before taxes, fees and any other expenses. I am working to obtain a program that will show Total Returns. Again, usually unless stated otherwise, taxes, fees and any other expenses are not shown. Thus, net retums would be expected to be somewhat less. Personally, I'd always rather start with 20% gross than 5% gross. David Page L‘Needs Analysis’ By David Holmes 3/28/2016AD. The included company ad is interesting, provocative, provides some detail and raises several issues. My ‘Needs Analysis’ does differ from many as I seek to address both the immediate and longer term. The Company doesn’t share how they did their Analysis. Nonetheless, mine is straightforward, with specifics and seeks to address the immediate and longer term issues. eThe basic question always is: How much life insurance would be reasonably expected to provide an annual Rocke for Mike’s $75,000 income at age 35 and beyond? Secondly, what type policy will best serve the \ family’s immediate and long-term needs? Finally, is life insurance only the best answer? (The ‘company implies longer term issues with its convertibility feature which I always prefer and many companies have.) The guarantee and assurance of a life insurance policy is that it will reliably pay the Face Amount to the Beneficiary upon the death of the insured if in the identified time frame. Period. Thus, a Life insurance policy does not guarantee nor assure a lifetime income and it certainly cannot replace =~ dad, but it can responsibly and prudently ‘replace his income’. Also, it is prudent to look beyond the life = = = insurance policy’s lump sum pay out. (@)IF put in a bank with no interest or usual low interest, it use as income is short term, finite (B)If invested with productive returns, its potential for lifetime income is substantial... depending on the average annual returns. See the following. Thus, I calculate the sum needed with 4% and 20% Average Annual Returns! to find the affordable amount of life insurance that is reasonably expected to provide $75,000 annual income/withdrawals. If 4% then $1,875,000 required; if 20%, then $378,000. What type of policy? The Company shows a 20 year level term policy for $732.50 annually. 20 years is also my recommended favorite because in 20 years with 20% Average Annual Returns, the needed Estate can be built to provide for responsible, moral family needs Estate that can provide income of $78,000 annually. Som Boyrivi_[[ 36yeiot |_| Vay Savings @ 4% 20 ys |_| Vay Savings @ 20% 30 ya $1,875,000 $741.25 |_| $1,443.75 $60,544 $1,322 $375,000 | | $210.25 $356.26 | $12,108 $265 $1,750,000 $732.50 1,352.50 $56,507 | $1,234 In conclusion, my continuing goal and efforts, as a Christian honestly renumerated by commissions and fees, are to so inform and assist American families in understanding these matters in light of the Gospel message. As blessed and informed Americans, we have a multitude of affordable choices available both in Life Insurance prices and Savings earnings with vastly different and contrasting consequences. “But if any provide not for his own and especially for those of his own house, he has denied the faith and is worse than an infidel.” "™=58 * Neither investments nor investment advisors can assure, guarantee or promise returns. Also, past performance does not assure future lke performance. Additionally, fees and other costs will subtract from grass retuens. Ths, itis important to Periodically monitor performance and goal attainment. PagedYour Life Insurance Policy Today fy Dovid Holmes March 15, 2016A.. Savings Life Stewardship The economy and opportunities are ever changing and the millennials with a young wife and children face very severe money demands: employment, housing, transportation, car insurance*, food, debts, bills, ObamaCare fees, FICA taxes on every dollar earned, other taxes, fuel costs, food, clothes, iphones and on and on. Thus, even if they are now earning $15 an hour ($31,200 annually or $2,600 monthly) earlier choices have financially crippled them. Every dollar is dear. So precious that many young mothers are working to help and make ends meet. But, now are added expenses of the baby sitter, more transportation and more on and on plus FICA taxes. Choices are critical for all families and especially for the dad that earnestly desires to ‘make provisions for his family’.'"™** By age 30 with a wife and children, most thoughtful dads have begun to realize how significant many choices are: What they did with education, employment opportunities, their character, the wife they choose and on and on. All choices have consequences that grow with time and age. Whether 30, 50 or 70, thoughtful, informed, morally guided budgeting is light and direction. Like a rancher “growing cows’, when he puts a pencil to likely Income scenarios, details of expenses, debt and time, real solutions ‘appear’ and God’s mercies, grace and favor are sought for enabling to His glory. Quite like the state says *car insurance is not optional, for the earnest family man, life insurance is not optional,""** only the kind. A sober truism of life: income is not a perpetual fountain that just keeps flowing. The family purpose of life insurance is not to have a life insurance policy but a policy of a temporary sufficient amount that in the event of dad’s death prior to age 65 to 70, when he shall have built a sufficient estate’, he has a life insurance policy that will provide a basis for the replacement of | Thought for the month: the his income. | realize this is not acceptable to Socialists and other liberals, but it is right according to God’ light and Word, Now, life insurance for the family: what kind and how much ... does anyone really know? Yest Once the focused moral purpose of life insurance is established, it’s a matter of availability, kind, information, later alternatives to life insurance”, suitability/affordability and prices, Because I believe and show that a productive family estate can be built in 20 years with any investment program gaining a minimum of 20% annually, I usually recommend 20 year level term. Both the Face Amount and Annual premium are guaranteed for the full period. Thus, while 10 year level term costs less the first 10 years, insurability and prices later cannot be guaranteed or assured. If one health ‘fails’, the cost of a new or even converted policy will be huge. (When term policies have a ‘convertibility’ feature, I will normally recommend it if the price difference is small.) Notes: a $500,000, 20 year level policy, at age 35 with best health and no tobacco use, ete. only costs $254 annually ($21.97 monthly); at age 45: only $592 annually ($50.82 monthly). Even at age 95, it costs $1441 annually ($123.90 monthy), $500,000 caring 20% annually is expected to provide $85,000 annually and indfnitely, What does it tale to build $500,000 in 20 years? Las than S200 mons! This is moral life insurance & common sense * point out in my study papers the rationality, aHfordabilty and sultabilty of buying lower cost Term insurance to provide a temporary estate while building an owned estate using mutual funds gaining Average Annual gains of a minimum. ‘of 20% ...as opposed to the usual 5% gains accepted. Thus, very, very different from mast agents and investment advisors. NO Investment can be guaranteed to provide explicit returns and past performance does not assure future ke performance however, | believe the past a goad indicator of the future under our God, PageWHY My ‘Recommended Term’ us. Whole Life By Dovid Holmes Agent, Bible Teacher March 12, 2016A.0. 8000327-8963 _Lifelne TThe price facts and lack of future savings of the ad ices for You, speak for themselves, except if you didn’t know how Performance for Your Client | affordable competitive’ term life insurance policies are and how profitable many mutual funds are, one ns ‘might just buy a Whole Life policy in flush years or, if _ayeremmerereenmem nw have one, just keep it. ae First, the known and relevant facts must be ; identified: age, gender, health category, family = a income, amount of life insurance (Face Amount), ~ eae annual cost, cost % of income, Term of policy, CV 20 years, Co. financial status and availability. Then, we can assess if this is family suitable’, family affordable and secures the family against the loss of dad's income prior to age 65 to 70. (See notes) om Lastly, is it competitive? We compare its price™™*!¢22" Gnd any cash savings promise against other Companies’ products and alternatives. (1 we didn’t compare how would we be reasonably assured that we have a quality, low-cost product?) Not comparing is like a city boy buying a cow in a field not knowing the difference between a two-year old sorry black cow and a yearling quality Angus. $0, let’s list the details, compare, contrast and make a conclusion: Factor Product Product Product Factors Product Low Cost Term Life Ins ‘Whole Life Life Ins Tips 20 ye term Cash Valve life Trad RAY Age B 5 andar Male Wale Male Tobacco None None None Health Excellent Excelent Excellent Amount $500,000 $500,000 Growing Estate | Term 20 years To age 100 Indefinite Annual cost $591.03 $10,201 [ $5,500 % of income 7/0 of T% 12% i 6 20 yr. Cash Value Rone I $170,150 $1232,140 {V Guaranteed none i yes No, Varies w Mkt & Mngt Fin, Status Excellent Excellent ‘See Mutual Fund Screener Incame level $85,000 $85,000 | $209,463 W/D annually Availability usually wally Usually All life insurance policies are not equal but $500,000 Face in any policy pays $500,000 at death. Secondly, we don’t get what we pay for but Welget What We buy; the difference can be gigantic. This comparative analysis will enlighten and assist many! ° See Termasale.com for shocking expose showing low priced policies. Then call Holmes 800-327-8963 * According tothe Mutuol Fund Screener 3/4/2016, over 78 funds averaged over 20% Average Annual Returns forthe last S years. Past performance doesn't assure future like performance and maney can be lost and 5% annual returns do not work, * Using 20% average Annual Gains and withdrawing a maximum of 17% annwally, a $500,000 policy thus invested at death \would be expected to provide an annual sum of $85,000. For incomes greater than $85k annwally, more Insurance is required. if {expecting only the usual 5% Annual Returns, $1,700,000 of life insurance would be the bare minimum requied. “investing $5,500 in a Tradl Ira would give an immediate annual tex-savings of about $850 with 15% income tax atel PageCall for a (forced) National Savings Plan HNenscom 3/14/16 p16. by Greg lau ‘The insert summarizes a lengthy recent announcement anguishing over the plight of Retirees, how ineffective the 401k program has allegedly been and the erisis-necessity for another forced savings for retirement. Arithmetic is not a cure but it gives us light And, © The 55 and older are up against arithmetic and time. They do not have 40 years to save over half of their income before taxes and FICA and who could if they wanted to? Usual and accepted 5% gains obviously and clearly are not going to work ... before or during retirement! Note: even al'55 year Old saving ‘my way? can build a productive, needed estate by 75! My brief critique: as usual, not a word about Average Annual Gains, Not one except that 2% gains will be guaranteed for the annuity. 2%! Just save more and be forced to save. Meanwhile, the authors admit that an unknown Game-Changer is needed! Thave relentlessly taught and demonstrated not only National Crisis! 7? © the arithmetic necessity of the 20% gains, but also Fro: vNews cor 0146 p.16 © that multitudes of funds have averaged over 20% Average Allegations = Annual Gains ... over the last 5 years, etc. as per the | Retirement now a human crisis Mutual Fund Screener.com available to whoever. Present 401k system not working Retirement game-changer needed OF course, the grim contequences of not having | '\ ney Forced-savings proposal minimum 20% Average Annual Returns are well known | $699 Federal tax eredit for each and despairingly experienced. But rather than focus on the | forced E/E contributions 1.5% each need of 20% gains, they ignore the impossibility of success with the usual 5% gains. Like with ObamaCare, they advocate, plan and seek to force more savings, more of the same. Not identifying a goal does not transform failure into success. @ America’s recognized Freedom of Speech stil! allows me to speak factually, frankly, openly and freely on these matters ... but I suspect a multitude of Investment Advisors, Mutual Fund. managers Whole Life Life Insurance agents and government bureaucrats ate GEREN «2s we continue to provide such gains to a growing number of families, The recent and ongoing Department of Labor claim of oversight and new advisor rules and regulations connected with 401ks is a chilling, heavy-handed bureaucratic means of silencing the flow and exchange of information. Good News: The Game~Changer is known and in plain sight. It’s 20% Average Annual Gains trusting in our God Who rewards faith in Him!" and expects profits.M™"*" ** All should be encouraged by the account of the five diligent, prepared Virgins and the two faithful, productive stewards. In conclusion, | have no reasonable explanation why most, if not all investment advisors and informed savers are not ‘providing’ and insisting on minimum 20% Average Annual Gains in light of basic life facts, arithmetic, management and the available public facts-expose that scores of mutual funds have such performance. Profits are a good choice. PageD© The Tesla is a premium electric car made by Tesla Motors This is an frank pictorial explanation of Congressional legislation! Congress calls them incentives, Obama calls them redistributions, the poor want more ... Conservatives call them phony-Capitalism and selected aid to chosen favorites. Indeed, here a little, there a little What do honest, bold and informed Biblical pastors call such ‘redistributions’? Here a little, there a little but always more ... all ‘free’ and these gifts with taxpayers taxes buy many votes! PageO“Radicalization in the West: The Homegrown Threat" NYPD Report EDITORIAL - By Tlana Freedman August 16,2007A.D. The release this week by the New York Police Department of their report "Radicalization in the West: The Homegrown Threat" is one of the most promising signs in America's domestic war against terrorism. This respected law enforcement agency has publicly recognized and reported in clear terms what many private counter-terrorism experts in the private sector have been warni a America about for a number of years: that Nothing could have made the threat clearer than last week's report of a major al Qaeda plot against three American cities, Debka/ile, a respected publication that reports and analyzes global intelligence relating to terrorism and security, reported that chatter picked up from a stream of electronic chatter referred to several major attacks "by means of trucks loaded with radio-active material against America's biggest city and financial nerve center" in New York, Miami, and Los Angeles. Although no analyst is going to get it right all the time, Debka has a pretty good record, Whether this particular item is a true plot or only wishful thinking on the part of wannabe jihadists, it is another in a long list of warnings. against us, living among us, and using the very systems that have made America strong to destroy us. What we need to learn from this is that the accumulated complacency that we have allowed to isolate us from the notion that another 9/11 could take place, has put us in great danger, and that the danger is right here at home. The culture of hyper-political correctness that undermines the fundamental intent of our Constitution gives benefit to those who have not eamed it at the expense of those who have. ‘The result is the . The NY Police Department Report has officially identified them, described the process through which they become jihadists, and laid out the implications for us. The groups of radicalized young Muslim men that they found in New York can be mirrored all over the country, where other groups, encouraged by each other's passion and guided by members of existing groups like Jama'at al Fugra and Darul Uloom, who encourage and recruit them, The ‘that ps s them, and groups like al Qaeda with is a deadly and very powerful one. We are sitting on a time bomb. It is only a matter of time before, one bright day, not unlike that of 9/11, 2001, when we will once again see a world that has suddenly and irrevocably changed before our eyes. Our first step to understanding what has happened to the America we knew may be to read this report and reeognize the new reality that America has become. The report, "Radicalization in the West: The Homegrown Threat" has been made public and can be found and read on the internet. It is required reading for all Americans, llana Freedman, Editor Page 7Political Fraud is PolyFraud is Fraud! By David Holmes Registered kwvesiment Advisor Morch 23, 2016A.D. Money ‘The recent paper by Thomas Lifsonf"™ Gh! Gove te Sem, Think om. 5216s by another ofa long list of articles screaming the ongoing, self-perpetuating, reckless political frauds against Americans by American politicians. As Senator Cruz’s and Mr. Trump's heated battle for the Republican nomination continues against the political establishment, little is being said of our Nao financial difficulties’ However, the laws of Arithmetic don’t stop for corrupt politics nor are they changed by corrupt clits, As Mion sys poses Of ute edistbuon reused to bibs workers for thit “ Thus, politicians have promised much more than they can pay to current and future retirees without revealing the disparity to investors who bought government bonds and whose investments could be at risk! Mr. Lifson goes on to say “governments all over the westem world have enriched themselves and created a Of their own employees comparable toa feudal system in which the Peas SUBBlE TOSI while handing overall of their surplus to a governing elite that rules them." My thinking is this is what largely fuels the angst of those supporting Senator Cruz and Mr. Tramp. Mr. Liffson concludes, “this staggering level of debt simply can’t be paid by taxpayers.’ We should note that bondholders, taxpayers and recipients of government-redistributed funds (checks) face a sober day of reckoning. The laws of Arithmetic, you know. How does anyone know such? Pay attention now. In December 2015, according to data published by the Office of the Chief Actuary of Social Security, the Old-Age and Survivors Insurance and Disabilily Insurance Trust Funds paid benefits 10 59,963,425 beneficiaries... The average monthly benefit paid per beneficiary in December was 1228.2. In round figures that’s 60 million Americans (hopefully) and S60Billion monthly ... and there really is ne value in the alleged ‘Trust Fund? Is such a shaking reckoning likely? Is there an example? Yes. As Mr. Lifson also wrote, “When Detroit went bankrupt in 2013, investors were shocked to learn that the city had promised pensions worth ions more than anyone knew — creating a financial pileup that ultimately meant big, unexpected losses for Detroit's bondholdes."""! He didn’t mention that Detroit is seeking bankrupt status to reduce it's debt obligations that the remaining greatly diminished population has no means of “paying” Like Atlanta after the Civil War, Detroit has been devastated, not by a righteous Army, but by its lying Democrat politicians and greedy gone-voters who elected them. Thus, bond holders will take a hit, taxpayers will hurt and pensions “redistributions’ will be diminished significantly Just like a few brave, knowledgeable souls have been saying for decades. Remember: the laws of Arithmetic don’t change and don’t stop ... for politics, political parties or old age. Bottom Line: trusting politicians to grow bigger government with new programs to provide unconstitutional redistribution benefits and reckless disregard to costs are really blooming. FDR was likely the first national figure to successfully sell more government and redistribution on a national scale. Both FICA and the Farm Programs got him reelected, and reelected agai Secondly, selling ‘bigger government’ to manage America not only is foolish, unconstitutional but stinks. Look at Solyndra and other Obama chosen ‘investments’. Then, consider how well Greece, Spain, Italy, Russia, Argentina, Brazil and Cuba aren’t doing. More ‘government’, Killing unwanted babies, amnesty, more debt and open borders are national mortal danger. If you don't litee it, raise your voice, point your finger, join with good people and vote morally . respecting God, property, the right and ability t0 work and arithmetic are blessings of Christian light! cre JEWARE Democrats, RINOs and all frauds. Like Islamists, they have no fear of the Creator God or hope in the promises in Christ alone.'?*'"!¥ Depot alway’ follow them. Blessed is that people whose God is the Lord Jesus.""*!"* PageB