Finally, A Cure for Financial Woes

Finally, a financial strategy that makes sense.

FOUR extra ravens are being drafted into the Tower of London because of the financial crisis — to prevent a 350-year-old curse coming true.

My suspicion, though I’m unable to confirm it, is that in order to reduce labor costs, either fewer ravens were used or an inferior grade of bird was used. Perhaps the common, ordinary wren.

At least financial wizards have identified the source and are making aggressing plans at increasing the number of spare ravens in Tower of London.

I’ll certainly sleep better at night.

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Bailouts and Earmarks

As we all know by now, Congress failed to pass the Bailout Bill on Monday for $700 billion (a number, apparently, the US Treasury just made up). If they pass it, they saddle taxpayers with the debt and socialize the banking system. If they don’t pass it, they tell us civilization will end as we know it and we enter the Next Great Depression.

Are those the only two options? Great Depression versus Socialism?

So what was wrong with version of the bailout that didn’t pass? Tonight, Congress will attempt to pass a revised version, so let’s see what they added (via)-

New Tax earmarks in Bailout bill
– Film and Television Productions (Sec. 502)
– Wooden Arrows designed for use by children (Sec. 503)
– 6 page package of earmarks for litigants in the 1989 Exxon Valdez incident, Alaska (Sec. 504)

Tax earmark “extenders” in the bailout bill.
Virgin Island and Puerto Rican Rum (Section 308)
American Samoa (Sec. 309)
– Mine Rescue Teams (Sec. 310)
– Mine Safety Equipment (Sec. 311)
– Domestic Production Activities in Puerto Rico (Sec. 312)
– Indian Tribes (Sec. 314, 315)
– Railroads (Sec. 316)
– Auto Racing Tracks (317)
District of Columbia (Sec. 322)
– Wool Research (Sec. 325)

Ah. Obviously, Socialized Banking will be much more palatable if we buy more Puerto Rican rum. American Samoans and Indian Tribes who will be receiving earmarks will be happy to know that Puerto Rican rum will be cheaper. And Nascar, while they didn’t get beer subsidies, got some help with auto racing tracks.

I think, though, we can all breathe a sigh of relief that there are now earmarks for wooden arrows designed for use by children. I assume that the children from Indian tribes will be provided with wooden arrows and Puerto Rican rum, then told to drive around a race track and shoot each other while drunk. There’s money in there, too, for Film and Television to make it into a movie.

That alone justifies eliminating capitalism and socializing the western banking world. The bill should pass now.

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Mortgage Meltdown

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I had been thinking this, but hadn’t seen anybody writing about it.

Sub-prime mortgages have led to a financial crisis. The blame for sub-prime mortgages generally get laid on the greed of the mortgage bankers, but is that all there is to it?

Twenty years ago I remember the push to get banks and lending into low-income minority neighborhoods. There was a push at the time to make mortgages easier for those who could least afford them because it was good for the neighborhood.

Stan Liebowitz’s book, Housing America: Building out of a Crisis, puts the blame back on the federal government. I agree – without the government pushing banks to lend to risky people, there would have been less risk. Simple, no?

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Update from A Mortgage Fable

– The Community Reinvestment Act. This 1977 law compels banks to make loans to poor borrowers who often cannot repay them. Banks that failed to make enough of these loans were often held hostage by activists when they next sought some regulatory approval.

Robert Litan, an economist at the Brookings Institution, told the Washington Post this year that banks “had to show they were making a conscious effort to make loans to subprime borrowers.” The much-maligned Phil Gramm fought to limit these CRA requirements in the 1990s, albeit to little effect and much political jeering.

Mechanical Investing for December 2007

Hey! Finally caught up and passed the Dow Jones index! The overall portfolio went down over 8% and then back up 9% in just 2 weeks, so that was pretty volatile. Here are the numbers and changes –

  • Last 4 weeks: -1.3%
  • Last 3 months: 4.6%
  • Last 12 months: +9.6%
  • Year to date: +9.7% (Dow is +6.8% ytd from 12,463)

Holding for another month:

Ticker Bought Now Months Return  
CELL $16.12 $16.96 1 +5.2% Brightpoint Inc. From the H52EarnPS screen.
MCY $53.85 $51.56 13 -4.2% Mercury General Corp. Sort of like putting it under a mattress. From the LPE_YLD screen.
MOS $68.30 $72.20 1 +5.7% Mosaic Company. From the RSPeg2 screen.
SIGM $43.82 $68.12 3 +55.5% Sigma Designs, Inc, a tech-video company. From the Screamers and RSPeg2 screens.

Selling these:

AXYS $31.37 $39.67 2 +26.5% Axsys Technologies. From the Screamers screen.
CASY $28.42 $28.37 2 -0.0% Casey’s General Stores. From the H52EarnPS screen.
CY $36.15 $33.68 1 -6.8% Cypress Semiconductor. From the RSPeg2 screen.
DV $53.75 $54.30 1 +1.0% Devry Inc. From the Screamers screen.
FCX $110.86 $96.47 2 -13.0% FREEPORT-MCMORAN COPPER & GOLD. From the H52EarnPS screen.
GLAD $18.33 $19.89 1 +8.5% Gladstone Capital Corp. From the LPE_YLD screen.
MDR $39.815s $52.29 6 +31.3% McDermott International. From the Screamers screen, then the RSPeg2 screen, but now the TREPPE screen. Split-adjusted.
MGA $92.83 $82.18 1 -11.5% Magna International Inc. From the H52EarnPS screen.
NE $53.44 $53.80 1 +0.7% Noble Corp. From the Peg_Minimalist screen.
PAAS $33.80 $33.06 1 -2.1% Pan Americal Silver Corp. From the Peg_Minimalist screen.
PCU $127.24 $110.06 1 -13.5% Southern Copper Corp. From the TREPPE screen.
RIG $124.30 $137.12N/A 1 +10.3% Transocean Inc. From the PEG_Minimalist screen.
SPWR $129.53 $127.82 1 -1.3% Sunpower Corp. From the Screamers screen.
TCB $21.01 $19.35 1 -7.9% TCF Financial. From the LPE_YLD screen.

New stocks for this month:

Ticker Bought Sold Months Return  
ARTC $57.39 $N/A 0 N/A% Arthrocare Corp. From the RSPeg2 screen.
BG $117.94 $N/A 0 N/A% BUNGE LIMITED. From the H52EgPS screen.
BHP $74.71 $N/A 0 N/A% BHP BILLITON. From the TREPPE screen.
BOOM $63.99 $N/A 0 N/A% DYNAMIC MATLS. From the RSPeg2 screen.
BUCY $88.67 $N/A 0 N/A% BUCYRUS INTL. From the Peg_Minimalist screen.
DLB $52.01 $N/A 0 N/A% DOLBY LABORATORIES INC. From the Screamers screen.
DO $119.64 $N/A 0 N/A% DIAMOND OFFSHORE DRILLING INC. From the Peg_Minimalist screen.
DRS $59.81 $N/A 0 N/A% DRS TECHNOLOGIES. From the H52EgPS screen.
FLS $93.52 $N/A 0 N/A% FLOWSERVE CORP. From the Peg_Minimalist screen.
KTII $113.05 $N/A 0 N/A% K TRON INTL. From the TREPPE screen.
LG $34.76 $N/A 0 N/A% LACLEDE GROUP. From the H52EgPS screen.
PBG $42.33 $N/A 0 N/A% PEPSI BOTTLING GROUP. From the H52EgPS screen.
PCLN $113.53 $N/A 0 N/A% PRICELINE COM INC. From the RSPeg2 screen.
PFE $23.58 $N/A 0 N/A% PFIZER INC. From the LPE_YLD screen.

6/3 Options:

Ticker Bought Sold Months Return  
MDRBX $3.69s $5.1 3 +38% MDR Feb 2008 Calls. (was MDRBA but now split-adjusted) Sold in early December.
RZJDC $14.00 $12.60 3 -10% GRMN Apr 2008 Calls. Sold in early December.
AXVDJ $27.30 $97.90 .75 +358% ISRG Apr 2008 250 Calls. Sold early, replaced by CUBDJ.
RULAA $8.70 $11.95 2 +37% RIMM Mar 2008 106.62 Calls. Sold in early December.
CUBDJ $4.90 $4.80 2 -2.0% CUB 50’s Apr 2008 Calls. Replaces the AXVDJ options sold early. Sell in early January.
MQNDM $7.60 $12.40 1 +63% SIGM April ’08 65’s. Sell in early February.
MOSFO $10.60 $12.70 1 +19.8% MOS Jun ’08 75’s. Sell in early February.
RULFU $19.25 $N/A 0 N/A% RIMM Jun ’08 115 Calls. Sell in early March.
TEFFB $6.20 $N/A 0 N/A% TEF Jun ’08 110 Calls. Sell in early March.
QSUFY $25.90 $N/A 0 N/A% SPWR Jun ’08 140 Calls. Sell in early March.

The next trade will be December 31.

Mechanical Investing for November 2007

It’s my normal Monday to trade stocks; again, there’s been lots of volatility, and last Friday’s plunge took a bite out of the portfolio. Dagnabbit, just can’t quite catch up to that index though.

  • Last 4 weeks: 0.8%
  • Last 3 months: 5.2%
  • Last 12 months: +6.8%
  • Year to date: +6.5% (Dow is +8.8% ytd from 12,463)

Holding for another month:

Ticker Bought Now Months Return  
AXYS $31.37 $38.00 1 +21.1% Axsys Technologies. From the Screamers screen.
CASY $28.42 $27.69 1 -2.5% Casey’s General Stores. From the H52EarnPS screen.
FCX $110.86 $111.00 1 +0.1% FREEPORT-MCMORAN COPPER & GOLD. From the H52EarnPS screen.
MCY $53.85 $51.37 12 +-4.6% Mercury General Corp. Sort of like putting it under a mattress. From the LPE_YLD screen.
MDR $39.815s $58.52 5 +47.0% McDermott International. From the Screamers screen, then the RSPeg2 screen, but now the TREPPE screen. Split-adjusted.
SIGM $43.82 $57.93 2 +32.2% Sigma Designs, Inc, a tech-video company. From the Screamers and RSPeg2 screens.

Selling these:

CMI $132.58 $122.01 1 -7.9% CUMMINS INC. From the TREPPE screen.
DO $114.11 $112.82 1 -1.1% Diamond Offshore Drilling. From the Peg_Minimalist screen.
FMER $20.13 $19.27 1 -4.2% FirstMerit Corp. From the LPE_YLD screen.
KWR $23.86 $21.62 1 -9.3% Quaker Chemical. From the H52EarnPS screen.
NOK $37.82 $39.43 1 +4.2% Nokia. From the RSPeg2 screen.
NOV $64.53s $73.03 2 +13.1% National Oilwell Varco Inc. From the Peg_Minimalist screen. Split-adjusted.
NSIT $26.26 $20.36 1 -22.4% INSIGHT ENTERPRISES INC. From the H52EarnPS screen.
PENX $37.83 $33.44 1 -11.6% PENFORD CORP. From the RSPeg2 screen.
PFE $26.10 $23.69 9 -9.2% Pfizer Inc. From the LPE_YLD screen. Looks like a loss, but with dividends, it’s actually break even.
RDEN $24.76 $25.48 2 +2.9% Elizabeth Arden Inc. From the Peg_Minimalist screen.
TPX $36.62 $34.71 1 -5.2% TempurPedic. From the Screamers screen.
WTNY $26.77 $23.44 1 -12.4% WHITNEY HLDG CORP. From the LPE_YLD screen.

New stocks for this month:

Ticker Bought Sold Months Return  
ARTC $57.39 $N/A 0 N/A% Arthrocare Corp. From the RSPeg2 screen.
CELL $16.12 $N/A 0 N/A% Brightpoint Inc. From the H52EarnPS screen.
CY $36.15 $N/A 0 N/A% Cypress Semiconductor. From the RSPeg2 screen.
DV $53.75 $N/A 0 N/A% Devry Inc. From the Screamers screen.
GLAD $18.33 $N/A 0 N/A% Gladstone Capital Corp. From the LPE_YLD screen.
MGA $92.83 $N/A 0 N/A% Magna International Inc. From the H52EarnPS screen.
MOS $68.30 $N/A 0 N/A% Mosaic Company. From the RSPeg2 screen.
NE $53.44 $N/A 0 N/A% Noble Corp. From the Peg_Minimalist screen.
PAAS $33.80 $N/A 0 N/A% Pan Americal Silver Corp. From the Peg_Minimalist screen.
PCU $127.24 $N/A 0 N/A% Southern Copper Corp. From the TREPPE screen.
RIG $124.30 $N/A 0 N/A% Transocean Inc. From the PEG_Minimalist screen.
SPWR $129.53 $N/A 0 N/A% Sunpower Corp. From the Screamers screen.
TCB $21.01 $N/A 0 N/A% TCF Financial. From the LPE_YLD screen.

6/3 Options:

Ticker Bought Sold Months Return  
MDRBX $3.69s $10.30 2 +179% MDR Feb 2008 Calls. (was MDRBA but now split-adjusted) Sell in early December.
RZJDC $14.00 $9.70 2 -30.7% GRMN Apr 2008 Calls. Sell in early December.
AXVDJ $27.30 $97.90 .75 +358% ISRG Apr 2008 250 Calls. Sold early, replaced by CUBDJ.
RULAA $8.70 $29.10 1 +234% RIMM Mar 2008 106.62 Calls. Sell in early January.
CUBDJ $4.90 $4.00 1 -18.3% CUB 50’s Apr 2008 Calls. Replaces the AXVDJ options sold early. Sell in early January.
MQNDM $7.60 $N/A 0 N/A% SIGM April ’08 65’s. Sell in early February.
MOSFO $10.60 $N/A 0 N/A% MOS Jun ’08 75’s. Sell in early February.

The next trade will be December 3.

Mechanical Investing for October 2007

The news says this last month, will all the credit crunch and housing speculation, was one of the most volatile on record. I tried not to look until today, but it appears this portfolio weathered the storm ok. In fact, things are looking good enough I plan on diversifying a little and buy more stocks than I sell today, spreading the risk out a little.

  • Last 4 weeks: 7.4%
  • Last 3 months: 8.8%
  • Last 12 months: +13.2%
  • Year to date: +12.7% (Dow is +12.3% ytd from 12,463)

Holding for another month:

Ticker Bought Now Months Return  
MCY $53.85 $53.85 11 +0.0% Mercury General Corp. Sort of like putting it under a mattress. From the LPE_YLD screen.
MDR $39.815s $55.42 4 +39.2% McDermott International. From the Screamers screen, then the RSPeg2 screen, but now the TREPPE screen. Split-adjusted.
NOV $64.53s $73.18 1 +13.4% National Oilwell Varco Inc. From the Peg_Minimalist screen. Split-adjusted.
PFE $26.10 $24.89 8 -4.6% Pfizer Inc. From the LPE_YLD screen. Looks like a loss, but with dividends, it’s actually break even.
RDEN $24.76 $27.59 1 +11.4% Elizabeth Arden Inc. From the Peg_Minimalist screen.
SIGM $43.82 $49.349 1 +12.6% Sigma Designs, Inc, a tech-video company. From the Screamers and RSPeg2 screens.

Selling these:

Ticker Bought Sold Months Return  
ARTC $57.39 $55.91 1 -2.6% Arthrocare Corp. From the RSPeg2 screen.
CLB $101.74 $127.56 2 +25.3% Core Laboratories NV. From the Peg_Minimalist screen.
FDP $27.61 $29.76 2 +7.85.0% Fresh Del Monte Produce Inc. From the H52EgPS screen.
FOSL $33.95 $38.42 1 +13.1% Fossil Inc. From the Screamers screen.
PKOH $20.80 $27.54 5 +32.4% Park-Ohio Holdings Corp. Originally from the H52EgPS screen, then RSPeg2, but now TREPPE.
SFD $32.76 $32.02 1 -2.2% Smithfield Foods Inc. From the H52EgPS screen.

New stocks for this month:

Ticker Bought Sold Months Return  
ARTC $57.39 $N/A 0 N/A% Arthrocare Corp. From the RSPeg2 screen.
AXYS $31.37 $N/A 0 N/A% Axsys Technologies. From the Screamers screen.
CASY $28.42 $N/A 0 N/A% Casey’s General Stores. From the H52EarnPS screen.
CMI $132.58 $N/A 0 N/A% CUMMINS INC. From the TREPPE screen.
DO $114.11 $N/A 0 N/A% Diamond Offshore Drilling. From the Peg_Minimalist screen.
FCX $110.86 $N/A 0 N/A% FREEPORT-MCMORAN COPPER & GOLD. From the H52EarnPS screen.
FMER $20.13 $N/A 0 N/A% FirstMerit Corp. From the LPE_YLD screen.
KWR $23.86 $N/A 0 N/A% Quaker Chemical. From the H52EarnPS screen.
NOK $37.82 $N/A 0 N/A% Nokia. From the RSPeg2 screen.
NSIT $26.26 $N/A 0 N/A% INSIGHT ENTERPRISES INC. From the H52EarnPS screen.
PENX $37.83 $N/A 0 N/A% PENFORD CORP. From the RSPeg2 screen.
TPX $36.62 $N/A 0 N/A% TempurPedic. From the Screamers screen.
WTNY $26.77 $N/A 0 N/A% WHITNEY HLDG CORP. From the LPE_YLD screen.

6/3 Options:

Ticker Bought Sold Months Return  
MDRBA $7.38 $7.80 1 +5.7% MDR Feb 2008 Calls. Sell in early December.
RZJDC $14.00 $14.90 1 +6.4% GRMN Apr 2008 Calls. Sell in early December.
AXVDJ $27.30 $N/A 0 N/A% ISRG Apr 2008 250 Calls. Sell in early January.
RULAA $8.70 $N/A 0 N/A% RIMM Mar 2008 106.62 Calls. Sell in early January.

The next trade will be November 5.

Jesus and Money

Jesus and Money

Recently in a comment, I was challenged regarding posting my stock selections; the concern from Chris was that such financial considerations were incongruous with the teachings of Jesus.

Chris Says:
September 18th, 2007 at 11:03 am
I find it somewhat ironic and mildly amusing that your blog contains articles of spirituality along with your market trading activity, especially since the Bible states that Jesus suggested we should exercise caution in mixing the two. That said, you may be on to something. Perhaps church attendence would increase if the priests set up some of those red flashing LED signs with messages such as “The Holy Father recommends a buy today on Goldman Sachs at $192.50/share.”

First, I want to make something perfectly clear – I’m not hyping any particular stock. I’m tracking by own personal stock trades publicly based on a Mechanical Investing forum at the Motley Fool. If I buy something, feel free to sell it. Or buy it, makes no difference to me. I had been doing something similar on the Motley Fool forum but then I thought, hey, I have a blog. Shouldn’t I blog on my blog?
🙂

I challenged Chris to give me some scripture he was concerned about, and Chris brought up 3 perfect examples:

Chris Says:
September 18th, 2007 at 9:58 pm e
I offer these passages:

“Jesus entered the Temple area and drove out all who were buying and selling there. He overturned the tables of the money changers and the benches of those selling doves. ‘It is written,’ he said to them, ‘My house will be called a house of prayer but you are making it a den of robbers.’” Matt. 21:12-13 (see similar Mark 11:15-17, Luke 19:45-46, John 2:13-16)

“Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal; but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also.” Matt. 6:19-21 (see similar Luke 12:33-4)

Also the parable in Luke 12:16-21, which is portrays a prosperous farmer who wishes to tear down his barns and build bigger ones but is warned by God: “You fool…”, and is concluded by Jesus saying: “This is how it is with those who pile up riches for themselves but are not rich in God’s sight.”

Absolutely perfect choices; I’m going to add one more, Matthew 19:24, “Again I tell you, it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God.” Let’s tackle each of those and see how it applies.

  • Matthew 21:12-13

This passage has a lot of lessons in it; for instance, it shows Jesus being angry and having a temper. Aren’t Christians supposed to be peaceful and bland? Jesus shows that there is a place for anger and we can learn from how he expressed it. Jesus was angry that religious leaders were standing between God and His people; the people could only use certain currency sold at the temple at very high exchange rates, and they could only sacrifice certain unblemished doves sold at high prices inside the temple, one couldn’t bring their own dove. Jesus was angry at those who would make money and put a barrier in front of people trying to worship God.

But… what about the money? Is Jesus somehow saying money and Christians don’t go together? I don’t see that in this passage. There *may* be some application to those who are selling Christian books, but even that’s a stretch unless you’re required to buy the book to worship inside. Don’t get between people and God and attempt to make money; don’t charge for church parking or charge an admission or sell church clothing required to enter a sanctuary, stuff like that. But in this example at least, Jesus is not saying anything about Christians making money.

  • Matthew 6:19-21

This is far more applicable to Christians making money. “Do not store up for yourselves treasures on earth.” Jesus says you can’t take it with you; if your “treasure” is money, it’s lost when you die. If your “treasure” is the eternal presence of God, that’s far more lasting. Where is your treasure? Do you value the commands of Jesus more than the commands of your job? This is related to the commandment, “Thou shalt worship no false idols.” Some people worship money. They will run over people, be ruthless in their business dealings. Is it ok to lie, cheat and steal to make money? After all, it’s only business, not church, right? Jesus is shedding light on this fallacy; don’t make money your idol.

Does Jesus say not to make money at all? Some people certainly interpret it this way, but I think that flies in the face of examples of wealth in the bible. David and Solomon, for instance, were both incredibly wealthy, yet were also favored by God. Job was wealthy, then destitute, then wealthy again, all while being in God’s favor. I think this has to be balanced against passages like Matthew 25:14-28, the parable of the talents. Are we being good stewards of the talents God has provided? Everything comes from God; our intellect, our food, our health, our homes, everything. If we understand that our wealth, too, comes from God, we are called to use it for His glory and purposes. If we do that, we are good stewards. If we do not, but make the money itself the goal, then we are storing up treasures on earth.

So how does posting my Mechanical Investing strategy fit into this? I am showing my strategy for making money, but I haven’t shown what I’m doing with the money I’m making (or losing, as the case may be.) What am I doing with it? I appreciate the concern, but that’s between me and God. I believe I’m being faithful with what He has provided and being a good steward, but I’m not going to share the details. Matthew 6:1-4, Jesus says, “Be careful not to do your ‘acts of righteousness’ before men, to be seen by them. If you do, you will have no reward from your Father in heaven. So when you give to the needy, do not announce it with trumpets, as the hypocrites do in the synagogues and on the streets, to be honored by men. I tell you the truth, they have received their reward in full. But when you give to the needy, do not let your left hand know what your right hand is doing, so that your giving may be in secret. Then your Father, who sees what is done in secret, will reward you.”

  • Luke 12:16-21

This is a stern warning to those who are storing up treasures on earth. In this parable, a rich man has an abundance. Instead of sharing, the rich man builds even bigger storage sheds so he can keep it all for himself. We are cautioned again that greed and the accumulation of wealth for its own sake offends God; we are to use what He has provided wisely, to love our neighbors as ourselves. There may be some application here to excessive saving; I’ve heard it said that millionaires feel rich if they could just have $1 million more. It’s never enough; greed corrupts and leads one to idolize money.

But notice the judgment is primarily against the second barn in the parable, not the first. Was it ok for the rich man to store up crops for himself? Jesus doesn’t address that; Jesus instead condemns the building of a bigger barn to store even more crops. This leads me to believe that as long as one is faithful with our possessions, Jesus does not condemn. Sharing our homes, contributing to charity, taking care of neighbors, serving with our time, and tithing to our church are all good uses of our money.

But making money? It doesn’t appear God condemns that. Instead, God condemns hoarding money.

  • Matthew 19:24

Apparently it’s a huge balancing act. How much money is too much money? The bible doesn’t say; whether you are rich or poor, the hoarding of money is a bad thing. Even the poor widow that tithed her two pennies; if she kept the money for herself, would Jesus condemn her? I don’t know, but I do know that God looks at the heart, not the external actions or appearances. If the poor widow wanted to keep the pennies for herself but a neighbor needed one of them, I think the bible gives ample examples that we are to trust God to provide and we should be faithful with his gifts. I think it’s easier for the poor widow, though, than for the rich man; Jesus says that’s “easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God.” Ideally, when I die, I’ll have two pennies left. I’ll spend one penny on the funeral and give the other penny to charity. I don’t know what God’s plans are for me, but I’ll take this warning to heart; don’t idolize money, don’t be greedy, and that wealth has serious temptations to resist.

I was about to say something like, “See? My mechanical investing strategy is ok,” but I don’t think I’ll do that. Instead, I’ll ask you to share your thoughts. What do you think Jesus would say about investing in the stock market?