How to Determine Asset Allocation
Whew! We’re about halfway through the year, and what a year it has been. Many investors feel like they’ve gone from tubing down a calm river to white water rafting. It can be a lot of fun, but you have to know what you’re getting yourself into or you’ll fall out of the boat.
What you’re getting yourself into is called Asset Allocation in technical terms. It’s how you have your money invested— how much is in stocks, bonds, and other things. It matters a lot because different investments behave differently. Some are choppy Class 1 rapids and some are heart-stopping Class 4 rapids.
You may wonder why anyone would choose Class 4 rapids when they’re so scary. It’s because they get you to your destination faster. Typically, the investments with the greatest potential returns are the ones that move around the most. This volatility is called Risk in financial terms. Perhaps you have heard that stocks are riskier than bonds. That just means that their values fluctuate more.
Investors take on more risk (or volatility) in hopes of earning higher returns. Over the last hundred years or so, stocks have returned around 10% per year while bonds have earned about 5% per year. Those investors who took on more risk by investing in stocks were rewarded for it.
When choosing your investments, you have to consider what kind of returns you need. It may be tempting to keep your money in cash, where the value doesn’t change, but that’s actually dangerous. Because the value does change. Historically, inflation has averaged around 3% per year. That means the purchasing power of all the cash you have is decreasing in value by 3% per year.
When deciding how to invest your money, you also need to consider how big of rapids you can stomach—your Risk Tolerance. Think back to 2022. How did your investments
make you feel? If you don’t know what I’m talking about, then psychologically, you have a high risk tolerance. That year was bad for investors. It was only the third year since they started tracking in 1926 that both stocks and bonds were down. If you were a nervous wreck in 2022, then you have a low psychological risk tolerance. You get seasick in white water.
When deciding how to invest your money, you also need to consider how big of rapids you can stomach—your Risk Tolerance.
Your emotional response is not the only factor in risk tolerance; your financial situation plays a big part, too. If you’re 30 years old and have 35 years before you’ll be using your retirement funds, you have a high risk tolerance. You can ride the ups and downs of the stock market because you have plenty of time for your accounts to recover after you go over a waterfall. If you’re retired and need
that money to pay your air conditioning bill next month, then you have a lower risk tolerance. You can’t afford for your money to lose half its value.
Just because you’re retired doesn’t necessarily mean you have a low risk tolerance, though. If you can cover your living expenses with your Social Security checks and pension income, you may have a high risk tolerance for your investments. You can afford to have your money lose half its value because you don’t need it.
So what kind of water sports are you up for?
The Class 4 rapids of the stock market? The Class 1 rapids of bonds? The lazy river of cash? Likely, you’ll want a combination of those. Your exact combination, or Asset Allocation, should be determined thoughtfully, taking into account both your feelings and your financial situation.
Amy Artiga is a Certified Financial Planner (CFP), a Certified Kingdom Advisor™, and author of the clergy personal finance blog PastorsWallet.com. Send questions for Amy to benefits@nazarene.org.
PRESSING ON BY DARON BROWN
Life at the Table
“I
can’t explain it. I just know that I live for it. And I live from it.”
She is fresh from the table of grace, misty eyed. But this was more than an emotional encounter. Something is happening in her. She is increasingly alive with the life of Jesus. She is experiencing
personal revival. She connects her revival to the table of grace. Although she can’t explain it, she knows that she lives for what happens at the table and from what happens at the table.
An article about revival popped up in my news feed. The title was “Seven Steps to Revival.” I clicked
out of curiosity. All seven of the “Seven Steps to Revival” begin with “We must…” All seven are good and healthy practices. All seven have biblical basis. It would be hard to disagree with the importance of any of the seven. All seven are things that we must be doing. The article and the author, I have no doubt, are well intentioned. But does revival begin with what we must do?
Revival means to make alive again. We humans are clearly incapable of making ourselves alive. We need the Living God to meet us where we are to make us alive. This is the role the sacraments serve, particularly the sacrament of Holy Communion. Could the revival we long for begin at the table of grace?
The Wesleyan revival within the Church of England in the eighteenth century combined evangelical and sacramental streams. This was one of many ways John Wesley opted for both/and instead of either/or. In his mind and heart, there was beauty in the blending. His focus on heart change and inward growth did not cause him to diminish the importance of the sacraments. In fact, by synthesizing evangelism and the sacraments, Wesley emphasized the powerful presence of God in the sacraments that brought evangelical revival.
Wesley emphasized the powerful presence of God in the sacraments that brought evangelical revival.
In one of his communion hymns, Charles Wesley highlighted the availability of God’s life-giving power in the bread and cup:
Come, Holy Ghost, thine influence shed, And realize the sign; Thy life infuse into the bread, Thy power into the wine.
Effectual let the tokens prove, And made, by heavenly art, Fit channels to convey thy love
To every faithful heart.1
The Church of the Nazarene’s Articles of Faith describe both sacraments as “means of grace” that do the work of proclaiming. Article XIII says that in The Lord’s Supper, “… Christ is present by the Spirit.
All are invited to participate by faith in Christ and be renewed in life, salvation, and in unity as the Church.”2
Unfortunately, many pastors and local churches settle for a low view of the sacraments as mere memorials or testimonies. Sacraments are sometimes peripheral and infrequently practiced. When they are practiced, human obedience is often emphasized more than God’s saving and sanctifying activity.
In studying our Wesleyan roots and our Nazarene theology, we can recover a rich understanding of the sacraments in which God in Christ, through the power of the Spirit, makes himself really present to us. Receiving the sacraments is not another “we must” like the list of seven steps. The sacraments are not primarily about what we do. The beauty of the sacraments, in part, is that our roles are secondary and responsive. God is the Primary Agent. In the sacraments, we encounter the Living God and avail ourselves to God’s prevenient, saving, and sanctifying grace. Something real happens in the sacraments precisely because God is really present In the sacraments, God claims, saves, energizes, heals, blesses, transforms, and much more.
Many of us hunger and pray for revival. We want revival that is authentic and widespread. We long for revival that is transformative for ourselves, our communities, our denomination, our country, and this world. What if the starting place for revival is in the sacraments? What if the life we long for begins in the bread and cup?
May we become increasingly alive with the life of Jesus. May we live for our encounters with Christ at the table, and may we live from those encounters. In doing so, may we experience revival.
Rev. Daron Brown lives and pastors in Waverly, Tennessee, with his wife, Katie, and children, Kendall, Parker, and Macy.
1 Wesley, Charles. “Come Holy Ghost, thy influence shed.”
2 Church of the Nazarene. Manual. Nazarene Publishing House, 2023
DWELLING WITH GOD
BY MARY REARICK PAUL
Special Anniversaries
Dates for this column come from pension applications. Records are not updated unless NBUSA is notified of changes in marital status, such as the death of a spouse.
75th Anniversaries
Rev. Charles W. and Mrs. Shirley L. Gadbaw July 25 28796 Falkner Rd NE, Poulsbo, WA 98370-9311
Rev. Forrest E. and Mrs. Jean Ladd Aug. 20 11 Palm Ave Apt 214, Yukon, OK 73099-5645
70th Anniversaries
Rev. Wilfred N. and Mrs. Ruth D. Crouse
.July 9 21182 Marsh Creek Rd Lot 51, Preston, MD 21655-1510
Rev. Donald L. and Mrs. Marlene Davis
2221 W Herron Loop, Nampa, ID 83686-5349
Rev. Frederick J. and Mrs. June F. Forster .
Aug. 22
. . . Aug. 27 2230 Clearview Ln, Langley, WA 98260-9591
Rev. Thomas A. and Mrs. Mary Foust .
July 16 11302 W Cindy St, Wichita, KS 67212-6539
Rev. Byron O. and Mrs. Donna M. Stanton . .
. July 27 6443 NE County Road 660, Arcadia, FL 34266-5751
65th Anniversaries
Rev. Roland M. and Mrs. Carol Becker . . . . . . . . . July 30 3408 Maizeland Rd, Colorado Springs, CO 80909-1412
Rev. Daniel E. and Mrs. Louise A. Brown
215 S James St, Silverton, OR 97381-1515
Rev. W. E. and Mrs. Ruth E. Curry .
. July 11
. Aug. 28 1267 Tucker Rd Unit 9, Hood River, OR 97031-8600
Dr. Ronald D. and Mrs. Rita Doolittle Aug. 27 1001 Carpenters Way Apt J414, Lakeland, FL 33809-3954
Dr. Everett E. and Mrs. Patsy A. Frame
5441 Eagle Claw Dr, Port Orange, FL 32128-2571
Dr. Winston J. and Mrs. Debby F. Hatcliff
Aug. 7
July 30
241 Wilderness Cove Ln, Georgetown, KY 40324-8427
Dr. Bob D. and Mrs. Elizabeth Huffaker
3147 E 144th Pl S, Bixby, OK 74008-8031
Rev. Norma R. and Mr. Richard Lambert
5406 Summit Lodge Dr, Katy, TX 77449-7450
Aug. 27
Aug. 19
Rev. Louis M. and Mrs. Jacqueline K. Lamphire July 29 11300 Eagle Point Rd, Chester, VA 23831-1882
Dr. Charles R. and Mrs. Jeanne Millhuff Aug. 26 2000 E Willow Dr, Olathe, KS 66062-1871
Rev. Robert M. and Mrs. L. Sue Prentice
7408 Chelsey Ln, Oklahoma City, OK 73132-3730
Rev. Dallas L. and Mrs. Barbara A. Robinson
Aug. 19
. Sept. 17 12825 Point Rd, Mount Vernon, IN 47620-7026
Rev. Elmer D. and Mrs. Linda Sabisch
Aug. 12 7027 Acacia Rd, Phelan, CA 92371-7168
Rev. Wendell D. and Mrs. Elaine Shepherd .
. . Aug. 13 4001 Stack Blvd, Melbourne, FL 32901-8500
Rev. Robert A. and Mrs. Arlene D. Swain Aug. 13 5141 Menno Pl, Sarasota, FL 34232-2604
Rev. James and Mrs. Deanna Tooley Aug. 23 1038 Bay Springs Church Rd, Adrian, GA 31002-4749
60th Anniversaries
Dr. Joe C. and Mrs. Carol R. Brown
July 31 938 Circle Dr, Circleville, OH 43113-1418
Rev. Robert L. and Mrs. Theresa L. Bush
Aug. 27 2411 Cason Ln, Murfreesboro, TN 37128-7023
Rev. Gary L. and Mrs. Janice E. Carr Sept. 4 58063 Kerr Creek Rd, Three Rivers, MI 49093-8928
Rev. Hugh C. and Mrs. Marian L. DelCamp Aug. 28 8205 Spring Lake Rd, Pine Bluff, AR 71603-8945
Rev. Irwin F. and Mrs. Linda M. Edwards Sept. 5 1113 Camelot Dr, Raymore, MO 64083-8313
Dr. Larry D. and Mrs. Doris Fine
Aug. 7 1909 E 152nd St, Olathe, KS 66062-2932
Rev. K. David and Rev. K. Jane Fulks
July 18 2565 State Route 73, Peebles, OH 45660-9221
Dr. Gary L. and Mrs. Janice E. Goodell
.July 3 228 Dean Rd, Spencerport, NY 14559-9541
Dr. Hurshel L. and Mrs. Leta Hendrix
Aug. 25 453554 Gran Dr, Afton, OK 74331-8886
Rev. John W. and Mrs. Donna Hollis Aug. 7 53632 County Road 7, Elkhart, IN 46514-5128
Rev. Thomas P. and Mrs. Sharon Hoppe Aug. 21 308 Brigadoon Cir, Leesburg, FL 34788-8569
Rev. Ford W. and Mrs. Ernestina Hubbert
Sept. 4 12311 Rutgers Park Ct, Houston, TX 77058-1143
Rev. Thomas A. and Mrs. Linda M. Hunter . . .
. Sept. 3 24 Willow Ln, Williamsport, IN 47993-1083
Rev. Gordon S. and Mrs. Irma L. Ingle . . . . .
501 N Buchanan St, Crescent, OK 73028-9068
Aug. 21
Rev. Darrell G. and Mrs. Beverly J. Kirk July 17 1708 Neihardt St, Branson, MO 65616-2133
Rev. Donald A. and Mrs. Sharon Lohr July 3 64 Baker Dr, Winfield, WV 25213-9441
Rev. Jimmy J. and Mrs. Jeanne A. Lynch . . . . . . . Aug. 28 2228 Agate Dr, Loveland, CO 80538-3008
Rev. Thomas E. and Mrs. Ronda McAdory . . . . . . . Sept. 4 8947 Carrollwood Ln E, Cordova, TN 38016-4612
Rev. James K. and Mrs. Carol L. Means July 24 421 W Smith St, Spring Hill, KS 66083-8723
Dr. Kenneth L. and Mrs. Patricia A. Mills July 17 28 Colonial Ct, Shippensburg, PA 17257-9587
Rev. Luis A. and Mrs. Maria Montalvo . . . . . . . . . Sept. 25 2534 McCann Rd, Canandaigua, NY 14424-7943
Rev. Thomas W. and Mrs. Pearl Moore . . . . . .
403 Blarney Stone St, Tyler, TX 75703-5301
. Aug. 15
Rev. Richard D. and Mrs. Charlotte R. Mottram . . . Sept. 4 2805 E Sandgate Ave, Nampa, ID 83686-1205
Rev. Harold L. and Mrs. Sandra F. Myers July 10 13855 Myers Woods Dr, Kent City, MI 49330-8988
Rev. Reuben E. and Mrs. Carole Naasz July 10 17101 39th Pl W, Lynnwood, WA 98037-7012
Dr. Edmond P. and Mrs. Judith Nash . . . . . . . . . . Aug. 21 2327 N Greenleaf St, Wichita, KS 67226-1502
Dr. Joseph M. and Mrs. Mary E. Norris . . .
. Aug. 7 759 Southridge Dr, Mount Vernon, OH 43050-4745
Rev. Michael S. and Mrs. Karen Percell . . .
. Aug. 7 11922 10th Ave E, Bradenton, FL 34212-2782
Rev. Norman K. and Mrs. Carmen D. Phillips July 30 4902 W Cedar Cove Way, New Palestine, IN 46163-8896
Rev. Ronald D. and Mrs. Jeanne A. Reynolds Aug. 22 1977 Old Falls Dr, Vandalia, OH 45377-2561
Rev. Hoy B. and Mrs. Barbara Richards . . . . . . . . Aug. 28 549 Sabattus Rd, Sabattus, ME 04280-4101
Dr. Robert C. and Mrs. Monda Simmons . .
. Aug. 21 9717 Links Fairway Dr, Rowlett, TX 75089-9534
Dr. John M. and Mrs. Mary A. Smee . . . . . . . . . . . Aug. 6 2341 Bay Hill Rd, Chula Vista, CA 91915-2105
Rev. Robert O. and Mrs. Linda Taylor Sept. 26 3857 Old Highway 50, Xenia, IL 62899-2277
Rev. Peter K. and Mrs. Linda Walker Aug. 28 PO Box 188, Corydon, IN 47112-0188
Rev. Donna J. and Mr. Clifford Ward .
Aug. 28 5282 Aspen Valley Dr, Liberty Twp, OH 45011-5940
Rev. Larry J. and Mrs. Carol A. Wiest . . . . . . . . . . Aug. 28 1537 Elon Ln, Encinitas, CA 92024-2402
Rev. Eugene H. and Mrs. Virginia Wiseman . . . . Aug. 14 803 Sunset Dr, Manchester, GA 31816-1934
Rev. William W. and Mrs. Martha J. Woods Aug. 20 PO Box 4031, Sun Valley, AZ 86029-4031
55th Anniversaries
Rev. Donald E. and Mrs. Jan Boesel Aug. 7 3802 East Dr, Temple, TX 76502-2537
Rev. Donald L. and Mrs. Linda Boone
35B Town Hill Ct, Mount Vernon, KY 40456-2001
Rev. Michael D. and Mrs. Judy E. Buettner
Sept. 19
. Aug. 28 2008 NE Tudor Rd, Lees Summit, MO 64086-5356
Rev. Robert W. and Mrs. Pamela J. Clardie .
.July 3 2309 4th Ave, Sterling, IL 61081-1306
Rev. Lowell G. and Mrs. Marilyn E. Clark Aug. 8 1017 Cotton Gin Ct, Josephine, TX 75189-3814
Dr. Larry D. and Mrs. Deborah K. Dennis July 4 108 Harvest Point Blvd, Spring Hill, TN 37174-3257
Dr. George D. and Mrs. Nancy L. Denson .
Sept. 4 917 Haven Crest Dr, Hermitage, TN 37076-1020
Rev. Brett M. and Mrs. Mitsue M. Eshelman . .
. Sept. 4 2104 E Harbour Grove Dr, Nampa, ID 83686-1236
Rev. Richard H. and Mrs. Linda Foster
Sept. 12 144 Forte Dr NW, Milledgeville, GA 31061-9114
Rev. Maureen M. and Mr. Roland Garcia
July 25 16474 W Chuparosa Ln, Surprise, AZ 85387-2728
Rev. Alan R. and Rev. Glenda L. Gragg July 10 PO Box 1523, Livingston, TX 77351-0027
Rev. Larry W. and Mrs. Gloria J. Harshman Aug. 15 624 S Chandler Ave, Litchfield, MN 55355-3402
Dr. James R. and Mrs. Marilyn S. Hicks
.July 5 4010 S Falcon Dr, Bloomington, IN 47403-8907
Dr. Jimmy L. and Mrs. Teresa Hodge
Aug. 15 26 Deerpath Dr, Manchester, TN 37355-3880
Rev. Bruce A. and Mrs. Linda A. Houseman
Aug. 22 1239 E Benrich Dr, Gilbert, AZ 85295-1741
Rev. Richard C. and Mrs. Donna Humphrey
Sept. 6 9575 West Pike, Hopewell, OH 43746-9719
Rev. Ronald S. and Mrs. Linda S. Jewett July 24 152 Greenbrier Dr, Burlington, IA 52601-1475
Rev. William M. and Mrs. Crystal J. Kissee Sept. 19 4561 W Celeste Ave, Fresno, CA 93722-7723
Rev. Larry R. and Mrs. Jennie Lawrence
Sept. 14 11318 Hawkstore Ln, Knoxville, TN 37934
Rev. Charles M. and Mrs. Melinda Lummus
Aug. 15 13370 Belfield Dr, Farmers Branch, TX 75234-5141
Rev. Timothy J. and Mrs. Mary L. Mercer
. Aug. 8 180 Spencer Ct, Bourbonnais, IL 60914-1937
Rev. Edson E. and Mrs. Linda L. Myers Sept. 12 595 Mead McNeer Rd, Wheelersburg, OH 45694-8634
Rev. Sherolyn S. and Mr. Richard E. Nason July 25 63 Bamforth Rd, Vernon, CT 06066-5104
Rev. Francis L. and Mrs. Martha Pepper Aug. 8 1129 Alabelle Ln, North Port, FL 34286-7503
Rev. Stephen J. and Mrs. Sheila K. Pettis July 3 6606 Sedgemore Pl, Fort Wayne, IN 46835-1335
Rev. Terry G. and Mrs. Gaylene Pierce . . . . . . . . Sept. 25 1417 Shafter Ave, Odessa, TX 79761-3130
Rev. Michael A. and Mrs. Suzanne E. Pitts Sept. 26 3241 W Bolton Ct, Eagle, ID 83616-6827
Rev. Thomas P. and Mrs. Mary C. Ponce . . . . . . . . July 24 8848 SE 90th Ave, Newberry, FL 32669-7356
Rev. Richard R. and Mrs. Diane Prideaux . . . . . . . July 11 501 W Wilson St, Girard, KS 66743-1818
Rev. R. James and Mrs. Marie D. Reel Sept. 12 24470 Hall Rd, Cheshire, OR 97419-9708
Rev. Richard R. and Mrs. Deborah R. Reese . . . . . Aug. 22 486 N Garfield Ave, Bonner Springs, KS 66012-1546
Rev. David R. and Mrs. Grace L. Rodes July 31 2004 11th Street Pl SW, Puyallup, WA 98371-8505
Rev. Earseye B. and Mrs. Patricia Ross . . . . . . . . Aug. 19
212 Mountain View Rd, Silver City, NM 88061-7955
Rev. James H. and Dr. Carol J. Rotz . . .
Aug. 28 2417 S Stonehedge Dr, Nampa, ID 83686-7969
Rev. Scott L. and Mrs. Mary E. Sampson Sept. 19 15629 Locust Ln, Nampa, ID 83686-9179
Rev. Larry F. and Mrs. Purvy D. Sams . .
Aug. 29 4610 Sun Devils Ave, Bakersfield, CA 93313-5430
Rev. Ronald C. and Mrs. Nellie Schaeffer Aug. 15 141 Tressler Dr, Confluence, PA 15424-2473
Rev. Thomas G. and Mrs. Rebecca J. Shaw . . . . . Aug. 28 12 Outter Dr, Inman, SC 29349-9108
Rev. Carmina and Mr. Osvaldo Silva Sept. 23 4537 Arnold Dr, Pearland, TX 77584-8927
Rev. Melvin J. and Mrs. Nancy L. Skeen . . . . . . . . Aug. 7 544 Windsor Ln, Farmington, MO 63640-3000
Rev. Gary F. and Mrs. Susan L. Smith . . . . . . . . . Aug. 21 1187 Otter Trl, Goode, VA 24556-2002
Rev. Darwin and Mrs. Cindy K. Speicher Aug. 8 13004 W 121st Ter, Overland Park, KS 66213-2281
Rev. Johnnie R. and Mrs. Rebecca Spellman . . . . Sept. 12 3515 N Waldron St, Hutchinson, KS 67502-1429
Rev. Dan L. and Mrs. Drusilla L. Stires Sept. 21 111 Indian Creek Ct, Pataskala, OH 43062-8102
Rev. Dr. L. Alan and Mrs. Mary M. Thompson . . . . July 30 1630 Hampshire Pl, Thompsons Station, TN 37179-5495
Rev. James R. and Mrs. Patricia Troyer . . . . . . . . . July 18 816 Arthur St, Holdrege, NE 68949-2421
Rev. Larry L. and Mrs. Zina L. Weihe Aug. 15 PO Box 64, Hiwasse, AR 72739-0064
Rev. Alan B. and Mrs. Karen L. Wheatley. . . . . . . Sept. 19 2724 Seminole Dr, Nampa, ID 83686-7906
50th Anniversaries
Rev. Dick R. and Mrs. Janice Allen July 19 307 Ordway St, Guthrie Center, IA 50115-1026
Rev. Jerald O. and Mrs. Diana J. Batterbee
8157 Wesley Dr, Brooksville, FL 34601-2778
Rev. John M. and Mrs. Debra L. Bledsoe
July 12
Aug. 23 326 Thunder Pl, Hermitage, TN 37076-1352
Rev. Donald P. and Mrs. Elizabeth A. Buerer .
. Aug. 23 6215 Happy Way, Marysville, CA 95901-6510
Rev. Neil L. and Mrs. Margaret J. Castle Aug. 9 PO Box 2558, Port Angeles, WA 98362-0324
Rev. Robert M. and Mrs. Deborah G. Dennis Sept. 19 390 S Monroe Siding Rd, Xenia, OH 45385-7851
Rev. Robert M. and Mrs. June A. Donato Aug. 16 1898 Salt Springs Rd, Mc Donald, OH 44437-1109
Rev. Timothy R. and Mrs. Ardith E. Eyring
Aug. 23 1293 Titan Roberts Rd, Lillington, NC 27546-6803
Rev. Gary A. and Mrs. Sherry J. Fewell
Aug. 15 5329 Carters Creek Pike, Thompsons Station, TN 37179-5289
Rev. William M. and Mrs. Caryl D. Frisby
Aug. 30 709 Main St, West Liberty, KY 41472-1019
Dr. Fredrick C. and Rev. Karen M. Fullerton Aug. 23 926 E High St, Mount Vernon, OH 43050-2854
Dr. Stephen G. and Mrs. Frances E. Green Aug. 1 12605 Flagstone Ct, Oklahoma City, OK 73142-2222
Rev. George L. and Mrs. Barbara A. Heath Aug. 8 10822 W Windsor Dr, Sun City, AZ 85351-3336
Rev. Daniel C. and Rev. Brenda E. Hopkins
. Sept. 13 6660 Thunder Head Ln, Placerville, CA 95667-9761
Rev. Gary L. and Mrs. Kathy L. Hughes
209 117th St E, Parkland, WA 98445-1779
Rev. Douglas L. and Mrs. Tabitha R. Human
314 W Cherry Ln Trlr 17, Meridian, ID 83642-3203
Aug. 16
July 19
Rev. Steven D. and Mrs. Cheri Hurley Aug. 8 2108 Old Dominion Dr, Albany, GA 31721-2846
Rev. Janet M. and Mr. Charles Johnson Aug. 15 442 E Chipola Ave, Wewahitchka, FL 32465-4609
Dr. Dale E. and Mrs. Kathy L. Jones
Aug. 28 10832 Fuller Ave, Kansas City, MO 64134-2605
Rev. Thomas W. and Mrs. Laura Lafrenz
Aug. 1 1514 Florence St, Enumclaw, WA 98022-2219
Rev. Randy D. and Mrs. Vivian F. Lanham
169 Killarney Rd, Winfield, WV 25213-8613
Rev. Marshall S. and Mrs. Anita Lillie .
216 Clinton St, Greenville, PA 16125-2644
Aug. 30
Aug. 16
Dr. Rodney C. and Mrs. Deborah M. Lindsay Sept. 6 103 Shelton Ln, Goose Creek, SC 29445-5334
Rev. Michael R. and Mrs. Karen C. Lynch Sept. 12 809 6th St, Kalona, IA 52247-9486
Rev. Charles B. and Mrs. Kathy Mason July 14 52 Eddies Rd, Greenwood, ME 04255-3019
Rev. Patrick E. and Mrs. Pamela S. McGue July 3 PO Box 948, Hurricane, WV 25526-0948
Rev. Jack L. and Mrs. Sharon L. McMahon. . . . . . Aug. 15 1104 Legends West Blvd, Franklin, IN 46131-7333
Rev. William C. and Mrs. Karen R. Mead . . . . . . . . Aug. 9 1455 90th Ave Lot 264, Vero Beach, FL 32966-6644
Rev. Lester E. and Mrs. Lynda S. Moore . . . . .
Aug. 9 25995 Graphic Ln, Wilder, ID 83676-5823
Rev. Thomas W. and Mrs. Kathryn Moser Aug. 23 272 Pleasant Valley Rd, Lyons, NY 14489-9769
Dr. Merritt J. and Mrs. Linda J. Nielson July 19 13614 S Sycamore St, Olathe, KS 66062-1997
Rev. Didier M. and Mrs. Eliv Nuno . . . . . . .
July 20 1607 Fitch St, San Antonio, TX 78211-2111
Rev. Dennis A. and Mrs. Jody M. Owens . .
. Aug. 9 2101 21st Ave, Sterling, IL 61081-1653
Rev. Joyce E. and Mr. Richard Perkins . .
Aug. 8 22 Redington St, Waterville, ME 04901-6441
Rev. Mark W. and Mrs. Karen Pitcher . . . . . . . . . . Sept. 5 2522 Crickelwood Ct, Porterville, CA 93257-6945
Rev. David D. and Mrs. Juanita Pullen July 5 1900 Ty Ty Ct, Tallahassee, FL 32308-6142
Rev. Robert J. and Mrs. Linda K. Reter Sept. 27 7945 Sawyer Brown Rd, Nashville, TN 37221-1208
Dr. Steven W. and Mrs. Diane L. Ruby .
Sept. 20 601 S Pointe Ln, Mustang, OK 73064-4301
Rev. John L. and Mrs. Rhonda J. Rusk .
July 26 2045 Hastings Dr, Los Banos, CA 93635-5315
Rev. Oran R. and Mrs. Debra Spindle . .
. Aug. 9 6805 N Libby Ave, Oklahoma City, OK 73132-6848
Dr. James H. and Mrs. Connie Thrower . . . . . . . . Aug. 15 103 Jameson Drive, Roebuck, SC 29376-3527
Rev. Thomas W. and Mrs. Cathy J. Todd July 19 8150 Del Thomas Rd, Smyrna, TN 37167-6065
Rev. Darryle L. and Mrs. Sharon L. Vaught July 19 1296 Country Club Ln, Selmer, TN 38375-1549
Rev. Jerry B. and Mrs. Beth A. Wickwire . . . . . . . Aug. 29 1312 N 12th St, Temple, TX 76501-2679
Rev. James G. and Mrs. Carol A. Wolstenholm . . . Aug. 2 3433 W Florence Ave, Visalia, CA 93277-5044
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