<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
	<infoTable>
		<nameOfIssuer>ALPS ETF TR</nameOfIssuer>
		<titleOfClass>ALERIAN MLP</titleOfClass>
		<cusip>00162Q866</cusip>
		<value>187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18552</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>18552</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00206R102</cusip>
		<value>1479</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46066</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>46066</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>002824100</cusip>
		<value>559</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9160</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9160</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>1999</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21579</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>21579</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AETNA INC NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00817Y108</cusip>
		<value>1118</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6092</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6092</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>012653101</cusip>
		<value>470</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4987</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4987</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALIBABA GROUP HLDG LTD</nameOfIssuer>
		<titleOfClass>SPONSORED ADS</titleOfClass>
		<cusip>01609W102</cusip>
		<value>1544</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8322</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8322</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>CAP STK CL C</titleOfClass>
		<cusip>02079K107</cusip>
		<value>1012</value>
		<shrsOrPrnAmt>
			<sshPrnamt>907</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>907</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>023135106</cusip>
		<value>4702</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2766</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2766</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN ELEC PWR INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025537101</cusip>
		<value>276</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3979</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3979</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025816109</cusip>
		<value>374</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3812</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3812</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>03027X100</cusip>
		<value>1151</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7986</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7986</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>031162100</cusip>
		<value>1013</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5490</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5490</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>3796</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20509</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>20509</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>038222105</cusip>
		<value>703</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15219</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>15219</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BP PLC</nameOfIssuer>
		<titleOfClass>SPONSORED ADR</titleOfClass>
		<cusip>055622104</cusip>
		<value>477</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10451</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10451</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRT APARTMENTS CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>055645303</cusip>
		<value>1107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>86851</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>86851</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK AMER CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>060505104</cusip>
		<value>1577</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55931</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>55931</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>064058100</cusip>
		<value>795</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14746</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14746</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
		<titleOfClass>CL B NEW</titleOfClass>
		<cusip>084670702</cusip>
		<value>1330</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7123</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7123</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOEING CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>097023105</cusip>
		<value>1168</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3482</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3482</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>110122108</cusip>
		<value>2654</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47950</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>47950</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
		<titleOfClass>SPONSORED ADR</titleOfClass>
		<cusip>110448107</cusip>
		<value>472</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9363</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9363</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROWN FORMAN CORP</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>115637100</cusip>
		<value>293</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROWN FORMAN CORP</nameOfIssuer>
		<titleOfClass>CL B</titleOfClass>
		<cusip>115637209</cusip>
		<value>730</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14905</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14905</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CME GROUP INC</nameOfIssuer>
		<titleOfClass>COM CL A</titleOfClass>
		<cusip>12572Q105</cusip>
		<value>361</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CRH PLC</nameOfIssuer>
		<titleOfClass>ADR</titleOfClass>
		<cusip>12626K203</cusip>
		<value>506</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14302</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14302</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CSX CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126408103</cusip>
		<value>665</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10427</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10427</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>554</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20385</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>20385</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>511</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7946</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7946</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>449</value>
		<shrsOrPrnAmt>
			<sshPrnamt>78090</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>78090</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CELGENE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>151020104</cusip>
		<value>440</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5541</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5541</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CERNER CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>156782104</cusip>
		<value>552</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9230</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9230</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>166764100</cusip>
		<value>750</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5930</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5930</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>17275R102</cusip>
		<value>1318</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30637</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>30637</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COM NEW</titleOfClass>
		<cusip>172967424</cusip>
		<value>1263</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18872</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>18872</None>
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	<infoTable>
		<nameOfIssuer>COCA COLA CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>191216100</cusip>
		<value>872</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19885</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>19885</None>
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	<infoTable>
		<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>194162103</cusip>
		<value>233</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3600</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>209115104</cusip>
		<value>350</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4492</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4492</None>
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	<infoTable>
		<nameOfIssuer>D R HORTON INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>23331A109</cusip>
		<value>705</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>17200</None>
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	<infoTable>
		<nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COM CL V</titleOfClass>
		<cusip>24703L103</cusip>
		<value>787</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9307</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9307</None>
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		<nameOfIssuer>DIFFERENTIAL BRANDS GROUP IN</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>25374L108</cusip>
		<value>363</value>
		<shrsOrPrnAmt>
			<sshPrnamt>94306</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>94306</None>
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	<infoTable>
		<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
		<titleOfClass>COM DISNEY</titleOfClass>
		<cusip>254687106</cusip>
		<value>1528</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14575</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14575</None>
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	<infoTable>
		<nameOfIssuer>DOWDUPONT INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>26078J100</cusip>
		<value>702</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10647</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10647</None>
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	<infoTable>
		<nameOfIssuer>EQT CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>26884L109</cusip>
		<value>230</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4165</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4165</None>
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		<nameOfIssuer>ECOLAB INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>278865100</cusip>
		<value>253</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1800</None>
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	<infoTable>
		<nameOfIssuer>ELLSWORTH GRWTH AND INCOME L</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>289074106</cusip>
		<value>753</value>
		<shrsOrPrnAmt>
			<sshPrnamt>79762</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>79762</None>
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	<infoTable>
		<nameOfIssuer>EQUINIX INC</nameOfIssuer>
		<titleOfClass>COM PAR $0.001</titleOfClass>
		<cusip>29444U700</cusip>
		<value>1110</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2583</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2583</None>
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	<infoTable>
		<nameOfIssuer>EXCHANGE TRADED CONCEPTS TR</nameOfIssuer>
		<titleOfClass>ROBO GLB ETF</titleOfClass>
		<cusip>301505707</cusip>
		<value>11404</value>
		<shrsOrPrnAmt>
			<sshPrnamt>285103</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>285103</None>
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		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30231G102</cusip>
		<value>3009</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36372</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>36372</None>
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	<infoTable>
		<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>30303M102</cusip>
		<value>1608</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8273</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8273</None>
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		<nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
		<titleOfClass>NO AMER ENERGY</titleOfClass>
		<cusip>33738D101</cusip>
		<value>2154</value>
		<shrsOrPrnAmt>
			<sshPrnamt>92748</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>92748</None>
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	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369604103</cusip>
		<value>494</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36282</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>36282</None>
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		<nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
		<titleOfClass>CALL</titleOfClass>
		<cusip>37045V900</cusip>
		<value>281</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7130</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7130</None>
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		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>375558103</cusip>
		<value>277</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3908</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
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			<None>3908</None>
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		<nameOfIssuer>HSBC HLDGS PLC</nameOfIssuer>
		<titleOfClass>ADR A 1/40PF A</titleOfClass>
		<cusip>404280604</cusip>
		<value>239</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
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			<Sole>0</Sole>
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			<None>9000</None>
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		<nameOfIssuer>HP INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>40434L105</cusip>
		<value>359</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15829</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
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			<None>15829</None>
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		<nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>406216101</cusip>
		<value>1148</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25473</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>25473</None>
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		<nameOfIssuer>INCYTE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>45337C102</cusip>
		<value>643</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9602</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9602</None>
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		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>458140100</cusip>
		<value>2509</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>50472</None>
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		<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>459200101</cusip>
		<value>2055</value>
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			<sshPrnamt>14711</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Sole>0</Sole>
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			<None>14711</None>
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		<nameOfIssuer>INVESTORS BANCORP INC NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>46146L101</cusip>
		<value>555</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>43392</None>
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		<nameOfIssuer>ISHARES INC</nameOfIssuer>
		<titleOfClass>MIN VOL EMRG MKT</titleOfClass>
		<cusip>464286533</cusip>
		<value>440</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>7604</None>
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		<nameOfIssuer>ISHARES INC</nameOfIssuer>
		<titleOfClass>MSCI STH KOR ETF</titleOfClass>
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		<value>10184</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>CORE US AGGBD ET</titleOfClass>
		<cusip>464287226</cusip>
		<value>520</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<cusip>464287309</cusip>
		<value>244</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>1500</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>RUSSELL 2000 ETF</titleOfClass>
		<cusip>464287655</cusip>
		<value>541</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>3304</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<cusip>464288182</cusip>
		<value>349</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>4874</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>3 7 YR TREAS BD</titleOfClass>
		<cusip>464288661</cusip>
		<value>14460</value>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>US AER DEF ETF</titleOfClass>
		<cusip>464288760</cusip>
		<value>524</value>
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			<None>2723</None>
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>US BR DEL SE ETF</titleOfClass>
		<cusip>464288794</cusip>
		<value>1168</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>18214</None>
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>U.S. MED DVC ETF</titleOfClass>
		<cusip>464288810</cusip>
		<value>1289</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6424</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6424</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>0-5 YR TIPS ETF</titleOfClass>
		<cusip>46429B747</cusip>
		<value>39088</value>
		<shrsOrPrnAmt>
			<sshPrnamt>392091</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>392091</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>USA QUALITY FCTR</titleOfClass>
		<cusip>46432F339</cusip>
		<value>10597</value>
		<shrsOrPrnAmt>
			<sshPrnamt>126989</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>126989</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>EDGE MSCI USA VL</titleOfClass>
		<cusip>46432F388</cusip>
		<value>10064</value>
		<shrsOrPrnAmt>
			<sshPrnamt>121822</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>121822</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
		<titleOfClass>CALL</titleOfClass>
		<cusip>46625H900</cusip>
		<value>4671</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44827</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>44827</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>478160104</cusip>
		<value>2332</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19216</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>19216</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>512807108</cusip>
		<value>981</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5673</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5673</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LEIDOS HLDGS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>525327102</cusip>
		<value>927</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15710</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>15710</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>532457108</cusip>
		<value>780</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9145</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>539830109</cusip>
		<value>1633</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5527</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5527</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>M &amp; T BK CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>55261F104</cusip>
		<value>289</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1700</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>580135101</cusip>
		<value>925</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5902</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>1526</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25142</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>25142</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>METLIFE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>59156R108</cusip>
		<value>236</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5406</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5406</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>594918104</cusip>
		<value>5072</value>
		<shrsOrPrnAmt>
			<sshPrnamt>51434</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>51434</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NETFLIX INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>64110L106</cusip>
		<value>303</value>
		<shrsOrPrnAmt>
			<sshPrnamt>774</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>774</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NIKE INC</nameOfIssuer>
		<titleOfClass>CL B</titleOfClass>
		<cusip>654106103</cusip>
		<value>231</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2903</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2903</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NVIDIA CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>67066G104</cusip>
		<value>379</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1600</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN MTG OPPORTUNITY TERM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>670735109</cusip>
		<value>522</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22224</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>22224</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN MTG OPPTY TERM FD 2</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>67074R100</cusip>
		<value>259</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11388</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>11388</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ONE LIBERTY PPTYS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>682406103</cusip>
		<value>5278</value>
		<shrsOrPrnAmt>
			<sshPrnamt>199853</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>199853</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>68389X105</cusip>
		<value>535</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12132</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12132</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>713448108</cusip>
		<value>4450</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40870</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>40870</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>717081103</cusip>
		<value>2916</value>
		<shrsOrPrnAmt>
			<sshPrnamt>80382</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>80382</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>718172109</cusip>
		<value>794</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9837</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9837</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
		<titleOfClass>ENHAN SHRT MA AC</titleOfClass>
		<cusip>72201R833</cusip>
		<value>10909</value>
		<shrsOrPrnAmt>
			<sshPrnamt>107421</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>107421</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>723787107</cusip>
		<value>540</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2853</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2853</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES QQQ TRUST</nameOfIssuer>
		<titleOfClass>UNIT SER 1</titleOfClass>
		<cusip>73935A104</cusip>
		<value>215</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1250</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES ETF TR II</nameOfIssuer>
		<titleOfClass>KBW BK PORT</titleOfClass>
		<cusip>73937B746</cusip>
		<value>699</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13040</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>13040</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>742718109</cusip>
		<value>529</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6782</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6782</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROSHARES TR II</nameOfIssuer>
		<titleOfClass>VIX MDTRM FUTR N</titleOfClass>
		<cusip>74347W338</cusip>
		<value>995</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43222</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>43222</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROSHARES TR</nameOfIssuer>
		<titleOfClass>SHRT 20+YR TRE</titleOfClass>
		<cusip>74347X849</cusip>
		<value>313</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13825</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>13825</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RAYTHEON CO</nameOfIssuer>
		<titleOfClass>COM NEW</titleOfClass>
		<cusip>755111507</cusip>
		<value>687</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3554</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3554</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
		<titleOfClass>SPON ADR B</titleOfClass>
		<cusip>780259107</cusip>
		<value>1580</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21752</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>21752</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
		<titleOfClass>SPONS ADR A</titleOfClass>
		<cusip>780259206</cusip>
		<value>246</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3558</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3558</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>78409V104</cusip>
		<value>2161</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10601</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10601</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
		<titleOfClass>TR UNIT</titleOfClass>
		<cusip>78462F103</cusip>
		<value>629</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2319</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2319</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
		<titleOfClass>STOXX EUR 50 ETF</titleOfClass>
		<cusip>78463X103</cusip>
		<value>299</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8932</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8932</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
		<titleOfClass>S&amp;P REGL BKG</titleOfClass>
		<cusip>78464A698</cusip>
		<value>1261</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20675</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>20675</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
		<titleOfClass>S&amp;P METALS MNG</titleOfClass>
		<cusip>78464A755</cusip>
		<value>7961</value>
		<shrsOrPrnAmt>
			<sshPrnamt>224446</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>224446</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
		<titleOfClass>S&amp;P BK ETF</titleOfClass>
		<cusip>78464A797</cusip>
		<value>1921</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40724</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>40724</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
		<titleOfClass>S&amp;P BIOTECH</titleOfClass>
		<cusip>78464A870</cusip>
		<value>1958</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20573</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>20573</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
		<titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
		<cusip>78464A888</cusip>
		<value>7928</value>
		<shrsOrPrnAmt>
			<sshPrnamt>200447</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>200447</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>806857108</cusip>
		<value>597</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8901</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8901</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US BRD MKT ETF</titleOfClass>
		<cusip>808524102</cusip>
		<value>2114</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32035</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>32035</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US LCAP VA ETF</titleOfClass>
		<cusip>808524409</cusip>
		<value>409</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7707</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7707</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US MID-CAP ETF</titleOfClass>
		<cusip>808524508</cusip>
		<value>325</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5921</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5921</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US SML CAP ETF</titleOfClass>
		<cusip>808524607</cusip>
		<value>206</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2799</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2799</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>EMRG MKTEQ ETF</titleOfClass>
		<cusip>808524706</cusip>
		<value>518</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20016</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>20016</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>INTL EQTY ETF</titleOfClass>
		<cusip>808524805</cusip>
		<value>880</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26621</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>26621</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US REIT ETF</titleOfClass>
		<cusip>808524847</cusip>
		<value>383</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9175</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9175</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>INTL SCEQT ETF</titleOfClass>
		<cusip>808524888</cusip>
		<value>344</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9529</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9529</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
		<titleOfClass>SBI HEALTHCARE</titleOfClass>
		<cusip>81369Y209</cusip>
		<value>253</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3036</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3036</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
		<titleOfClass>SBI CONS DISCR</titleOfClass>
		<cusip>81369Y407</cusip>
		<value>401</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3668</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3668</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
		<titleOfClass>SBI INT-FINL</titleOfClass>
		<cusip>81369Y605</cusip>
		<value>1688</value>
		<shrsOrPrnAmt>
			<sshPrnamt>63485</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>63485</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
		<titleOfClass>TECHNOLOGY</titleOfClass>
		<cusip>81369Y803</cusip>
		<value>920</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13249</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>13249</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
		<titleOfClass>SBI INT-UTILS</titleOfClass>
		<cusip>81369Y886</cusip>
		<value>309</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5949</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5949</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>828806109</cusip>
		<value>243</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1425</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1425</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIRIUS XM HLDGS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>82968B103</cusip>
		<value>138</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20392</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>20392</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>842587107</cusip>
		<value>293</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6334</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6334</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>844741108</cusip>
		<value>440</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8655</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8655</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
		<titleOfClass>SPONSORED ADR</titleOfClass>
		<cusip>874039100</cusip>
		<value>249</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6805</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6805</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>3M CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>1331</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6766</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6766</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TOTAL S A</nameOfIssuer>
		<titleOfClass>SPONSORED ADR</titleOfClass>
		<cusip>89151E109</cusip>
		<value>638</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10537</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10537</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
		<titleOfClass>SP ADR REP2COM</titleOfClass>
		<cusip>892331307</cusip>
		<value>287</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2226</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2226</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>89417E109</cusip>
		<value>292</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2383</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2383</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
		<titleOfClass>COM NEW</titleOfClass>
		<cusip>902973304</cusip>
		<value>841</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16806</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>16806</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>907818108</cusip>
		<value>641</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4523</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4523</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
		<titleOfClass>CL B</titleOfClass>
		<cusip>911312106</cusip>
		<value>236</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2221</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2221</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>911363109</cusip>
		<value>548</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3710</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3710</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>913017109</cusip>
		<value>287</value>
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			<None>2292</None>
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		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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		<value>636</value>
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			<sshPrnamt>2592</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>2592</None>
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		<nameOfIssuer>UNIVERSAL HEALTH RLTY INCM T</nameOfIssuer>
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		<cusip>91359E105</cusip>
		<value>1503</value>
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			<sshPrnamt>23486</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>23486</None>
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		<nameOfIssuer>URBAN EDGE PPTYS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>91704F104</cusip>
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			<sshPrnamt>20598</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>20598</None>
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		<nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
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		<cusip>92204A504</cusip>
		<value>1692</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>10630</None>
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		<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
		<titleOfClass>MORTG-BACK SEC</titleOfClass>
		<cusip>92206C771</cusip>
		<value>238</value>
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			<sshPrnamt>4638</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>4638</None>
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		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92343V104</cusip>
		<value>2162</value>
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			<sshPrnamt>42968</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>42968</None>
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		<nameOfIssuer>VISA INC</nameOfIssuer>
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		<cusip>92826C839</cusip>
		<value>718</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5418</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>5418</None>
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		<nameOfIssuer>VMWARE INC</nameOfIssuer>
		<titleOfClass>CL A COM</titleOfClass>
		<cusip>928563402</cusip>
		<value>771</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5246</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>5246</None>
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		<nameOfIssuer>WALMART INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931142103</cusip>
		<value>925</value>
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			<sshPrnamt>10803</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10803</None>
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		<nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>949746101</cusip>
		<value>771</value>
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			<sshPrnamt>13904</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>13904</None>
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		<nameOfIssuer>WESTROCK CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>96145D105</cusip>
		<value>629</value>
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			<sshPrnamt>11025</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>11025</None>
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		<nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>988498101</cusip>
		<value>768</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9822</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>9822</None>
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		<nameOfIssuer>YUM CHINA HLDGS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>98850P109</cusip>
		<value>378</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9822</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>9822</None>
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		<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
		<titleOfClass>SHS</titleOfClass>
		<cusip>G5960L103</cusip>
		<value>790</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9232</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Sole>0</Sole>
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			<None>9232</None>
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		<nameOfIssuer>APTIV PLC</nameOfIssuer>
		<titleOfClass>SHS</titleOfClass>
		<cusip>G6095L109</cusip>
		<value>976</value>
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			<sshPrnamt>10647</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
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			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10647</None>
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		<nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>993</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7818</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7818</None>
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</informationTable>
