<?xml version="1.0" encoding="UTF-8"?>
<!-- edited with XMLSpy v2008 rel. 2 sp2 (http://www.altova.com) by Gerrit van der Zwan (TDA Compliance) -->
<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
	<infoTable>
		<nameOfIssuer>Abbott Laboratories</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>002824100</cusip>
		<value>1450947</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13309</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13309</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AbbVie Inc Com</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>873455</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6483</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6483</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Amazon Com Inc</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>023135106</cusip>
		<value>840822</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6450</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6450</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Amgen</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>031162100</cusip>
		<value>789281</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3555</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3555</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Apple</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>037833100</cusip>
		<value>7125754</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36736</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36736</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Applied Materials</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>038222105</cusip>
		<value>912623</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6314</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6314</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Automatic Data Processing</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>053015103</cusip>
		<value>469471</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2136</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2136</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Bank of New York Co</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>064058100</cusip>
		<value>331229</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7440</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7440</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Berkshire Hathaway Inc Del Cl</nameOfIssuer>
		<titleOfClass>Class B</titleOfClass>
		<cusip>084670702</cusip>
		<value>373395</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1095</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1095</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Brookfield Corp</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>11271J107</cusip>
		<value>119222</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3543</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3543</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Caterpillar</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>149123101</cusip>
		<value>1717776</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6981</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6981</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Chevron Corp</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>166764100</cusip>
		<value>645652</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4103</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4103</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Cisco Systems</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>17275R102</cusip>
		<value>810404</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15663</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15663</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Costco Wholesale</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>22160K105</cusip>
		<value>441472</value>
		<shrsOrPrnAmt>
			<sshPrnamt>820</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>820</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Cummins Inc</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>231021106</cusip>
		<value>829589</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3384</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3384</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS Caremark Corp</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>126650100</cusip>
		<value>637961</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9228</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9228</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Cyber Security ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>26924G201</cusip>
		<value>401858</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7945</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7945</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Duke Energy</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>26441C105</cusip>
		<value>747355</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8328</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8328</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Eastman Chemical</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>277432100</cusip>
		<value>385349</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4603</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4603</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Emerson Electric</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>291011104</cusip>
		<value>468582</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5184</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5184</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Exxon Mobil</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>30231G102</cusip>
		<value>590411</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5505</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5505</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>General Mills</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>370334104</cusip>
		<value>1101715</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14364</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14364</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Genuine Parts</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>372460105</cusip>
		<value>219999</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Goldman Sachs Group</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>38141G104</cusip>
		<value>329047</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1020</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1020</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Google Inc Class C</nameOfIssuer>
		<titleOfClass>Class C</titleOfClass>
		<cusip>02079K107</cusip>
		<value>618157</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5110</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5110</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Home Depot</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>437076102</cusip>
		<value>450428</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1450</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1450</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Honeywell International</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>438516106</cusip>
		<value>1294593</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6239</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6239</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Illinois Tool Works</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>452308109</cusip>
		<value>1525976</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Industrial Select Sector SPDR</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>81369Y704</cusip>
		<value>137370</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1280</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1280</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Intel</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>458140100</cusip>
		<value>301134</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9005</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9005</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>International Business Machine</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>459200101</cusip>
		<value>388080</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Invesco Preferred ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46138E511</cusip>
		<value>295620</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Invesco QQQ Trust</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46090E103</cusip>
		<value>253792</value>
		<shrsOrPrnAmt>
			<sshPrnamt>687</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>687</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Broad High Yield</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46435U853</cusip>
		<value>331820</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Core Europe ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46434V738</cusip>
		<value>121049</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Dj US Home Const</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>464288752</cusip>
		<value>502814</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5885</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5885</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Emerging Markets ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>464287234</cusip>
		<value>246854</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6240</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6240</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Exponential Technology</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46434V381</cusip>
		<value>597475</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10746</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10746</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Fallen Angels</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46435G474</cusip>
		<value>794081</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Russell Micro-Cap ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>464288869</cusip>
		<value>254123</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2325</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2325</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares S&amp;P US Preferred Stock</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>464288687</cusip>
		<value>337137</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShars Kld 400 Social Idx</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>464288570</cusip>
		<value>233151</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2770</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2770</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>478160104</cusip>
		<value>2025848</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12239</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12239</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JPMorgan &amp; Co</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46625H100</cusip>
		<value>340350</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2340</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2340</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Lamb Weston Holdings</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>513272104</cusip>
		<value>211278</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1838</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1838</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Lowe's</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>548661107</cusip>
		<value>1165741</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5165</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5165</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Mckesson Hboc Inc</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>58155Q103</cusip>
		<value>292074</value>
		<shrsOrPrnAmt>
			<sshPrnamt>684</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>684</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Medtronic</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>G5960L103</cusip>
		<value>260952</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2962</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2962</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Microsoft</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>594918104</cusip>
		<value>2905611</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8532</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8532</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Nextera Energy</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>65339F101</cusip>
		<value>1720780</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23191</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23191</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Novo Nordisk A/S ADR Fmly Novo</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>670100205</cusip>
		<value>4496123</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27783</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>27783</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Nucor Corp</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>670346105</cusip>
		<value>262368</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Oracle</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>68389X105</cusip>
		<value>2088839</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17540</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17540</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Pepsico</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>713448108</cusip>
		<value>2546909</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13751</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13751</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>742718109</cusip>
		<value>1934627</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12750</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Qualcomm</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>747525103</cusip>
		<value>487665</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4097</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4097</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Quest Diagnostics Inc Com</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>74834L100</cusip>
		<value>210840</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Robo Global Robotics</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>301505707</cusip>
		<value>263520</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>S &amp; P Depository Receipts</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>78462F103</cusip>
		<value>814053</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1836</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1836</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Salesforce Com</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>79466L302</cusip>
		<value>279920</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1325</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1325</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Santa Cruz Cnty Bank</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>801827106</cusip>
		<value>456654</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17908</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17908</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Schwab Charles Corp New</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>808513105</cusip>
		<value>1297988</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Schwab Emg Mkt Eq ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>808524706</cusip>
		<value>477100</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19371</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19371</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Schwab International Equity ET</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>808524805</cusip>
		<value>1133658</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Schwab Int'l Small Cap</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>808524888</cusip>
		<value>202620</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Schwab US Broad Market ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>808524102</cusip>
		<value>4353528</value>
		<shrsOrPrnAmt>
			<sshPrnamt>84208</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>84208</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Schwab US Large-Cap ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>808524201</cusip>
		<value>148453</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2835</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2835</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Schwab US Mid-Cap ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>808524508</cusip>
		<value>655607</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9230</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9230</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Schwab US Small Cap ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>808524607</cusip>
		<value>893427</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20398</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20398</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Sensory Science</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>92204A108</cusip>
		<value>345221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1219</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1219</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR Devlpd Ex-US ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>78463X889</cusip>
		<value>152938</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4700</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR Energy Sector ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>81369Y506</cusip>
		<value>990201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12199</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12199</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR Financial Select Sector E</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>81369Y605</cusip>
		<value>219115</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR Gold Trust</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>78463V107</cusip>
		<value>143507</value>
		<shrsOrPrnAmt>
			<sshPrnamt>805</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>805</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR Health Care Select Sctr E</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>81369Y209</cusip>
		<value>1414371</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10656</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10656</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR High Yield Bond</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>78468R622</cusip>
		<value>381925</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4150</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR Materials</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>81369Y100</cusip>
		<value>1436386</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17333</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17333</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR S&amp;P Hi Yld Div Aristocrat</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>78464A763</cusip>
		<value>257418</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR Small Cap Index</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>78468R853</cusip>
		<value>143708</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3700</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR Technology Sector ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>81369Y803</cusip>
		<value>698743</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4019</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4019</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR Total Stock Mrk</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>78464A805</cusip>
		<value>261312</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR Utilities Select ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>81369Y886</cusip>
		<value>2178218</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33286</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33286</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Starbucks</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>855244109</cusip>
		<value>879058</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8874</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8874</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Stryker</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>863667101</cusip>
		<value>2661910</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8725</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8725</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Sysco Corporation</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>871829107</cusip>
		<value>815458</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10990</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10990</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Travelers Co.</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>89417E109</cusip>
		<value>588360</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3388</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3388</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Union Pacific Corp</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>907818108</cusip>
		<value>683123</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3338</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3338</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>United Parcel Service</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>911312106</cusip>
		<value>1035348</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5776</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5776</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>United Rentals Inc</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>911363109</cusip>
		<value>273457</value>
		<shrsOrPrnAmt>
			<sshPrnamt>614</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>614</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Unitedhealth Group Inc Com</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>91324P102</cusip>
		<value>1208353</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2514</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2514</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vaneck Vectors Fallen</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>92189F437</cusip>
		<value>974727</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Consumer Staples ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>92204A207</cusip>
		<value>568377</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2923</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2923</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Dividend Appreciation</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>921908844</cusip>
		<value>2009951</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12374</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12374</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Emerging Markets ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922042858</cusip>
		<value>1090484</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26806</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26806</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard FTSE All-World Ex-US</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922042775</cusip>
		<value>2626773</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48277</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48277</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard FTSE Developed Mkt ET</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>921943858</cusip>
		<value>549542</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Health Care ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>92204A504</cusip>
		<value>244820</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Index Growth ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922908736</cusip>
		<value>2183474</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7717</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7717</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Index Mid-Cap Growth</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922908538</cusip>
		<value>246924</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Index Small Cap ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922908751</cusip>
		<value>3848003</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19347</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19347</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Information Technolog</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>92204A702</cusip>
		<value>607970</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1375</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1375</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Materials</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>92204A801</cusip>
		<value>132838</value>
		<shrsOrPrnAmt>
			<sshPrnamt>730</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>730</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Mid Cap Index ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922908629</cusip>
		<value>3087937</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14026</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14026</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922908553</cusip>
		<value>409444</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Total Stock Mkt ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922908769</cusip>
		<value>7306608</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33170</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Total World</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922042742</cusip>
		<value>298698</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3080</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3080</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Value ETF</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922908744</cusip>
		<value>2196867</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15460</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15460</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Verizon</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>92343V104</cusip>
		<value>552904</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14867</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14867</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Wal Mart Stores</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>931142103</cusip>
		<value>1064367</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6772</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6772</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Wells Fargo &amp; Co</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>949746101</cusip>
		<value>571678</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13395</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13395</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Western Asset High Incm</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>95766K109</cusip>
		<value>153090</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Wisdomtr Small Cap Earnings ET</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>97717W562</cusip>
		<value>241974</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
</informationTable>
