Looking Through a Golfer's Eye seeing golf and life at another perspective


A Beginner’s Guide In Investing In Mutual Funds

bonds and mutual fundsJust because you are new and it is your first time to engage in the world of investing and finance, it doesn’t mean you won’t be able to handle investing your money in mutual funds. Anyone can do it, as long as you don’t allow yourself to be intimidated by the many technical terms that professionals are using in this industry.


In case you’re not aware, there are actually a lot of people investing in mutual funds, especially in the United States. According to statistics, there are about 10 million people who are doing it and the sad part is (not to mention dangerous) these people have no idea what they got themselves into. Another truth to this fact is that these investors are not even first timers anymore and they continually lose money every single year. I don’t want that to happen to you, which is why I wrote this article to be your guide in making your money grow, as you put it in mutual funds.


First of all, you must know that dealing with mutual funds is perfect for first time investors or the average type who are willing to shell money in stocks and bonds. To simply put it, they are like this pre-planned investment deal mutual fundshandled by professionals in this field. These people’s job is to make the lives of investors easier, especially when it is their first time.


As a beginner in this business, you have to first open an account where you would place your money with directions on how much should you invest and to what kind of funds should your money go to. Let’s say you first started investing to a stock called Euro Channels where you placed an amount worth $20,000. This mean that eventually you have shares from that stock, which would also make you earn a little amount from a portfolio of stocks. You will determine that amount of shares you will soon own based on the amount of share price when your purchase order has already been processed.


As a first timer in investing in mutual funds, you must know that there three kinds of funds you could choose from. Here they are:


  1. Stock
  2. Bond
  3. Money Market


pooled investmentsGetting yourself familiar with those three will certainly give you an edge in earning big in this venture, while taking minimal risk in the process. My tip here is that you go ahead and place your money in all those three if you really want to make money in mutual funds consistently.


Investing in bonds is also one of the best things you could do when dealing with mutual funds. The risks are high on that one, but once it hits its peak, the returns would be really high, so it’s worth the risk!


Don’t lose hope when you don’t get your expected return at first. The first time is always the hardest, but you will learn from it and would eventually know some strategies related to investing.

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Spiritual Musings of a Golfer


I am no Solomon but I hope I can share some inspiration and even a bit of wisdom with these words that I write…

Living by the Bible is definitely not easy.  But it’s the only way for me.  I can’t imagine living my life any other way.  Some people, especially these days, would scoff at us religious golfers.  They might think religion shouldn’t be mixed up with sports.  But I believe that religion is more than just something you practice in church for a couple of hours.  My religion - I view it as a map on how to live my life every single waking hour. It’s a law of love that pervades every aspect of my life, whether it be how I treat my family or the waitress at the diner, how I give my best at work, how I manage my finances or how I perform at my sport.

Every time I go on tour I make it a point to meditate on the purpose of my playing golf.  When a person plays a sport, he strives for the mastery of his body.  Athletes train long and hard, putting in subjection all their desires and whims, as they work towards one goal – to excel and be the best at what they do.  Self-restraint, discipline, focus, eyes on the goal.  I try to translate all that physical exertion into the spiritual realm.  In our spiritual lives, we strive for a better prize that cannot be destroyed by rust or mold.  All the discipline and self-mastery I pour into my sport, I know I ought to even double and triple it for the spiritual trophy that will last forever.

Sport builds character.  More than the money, playing golf has helped me grow in wisdom and be more self-controlled in my emotions.  Sometimes, when you are on the verge of losing it, you just have to take a deep breath and try to detach yourself from your physical cares.  Worry and distress usually result when I weaken or neglect the spiritual things.  When I get too focused on the cares of this life and lose the right perspective.  Sometimes, it’s vanity that motivates us.  Sometimes it’s pride.  But those are the wrong attitudes to have when playing a sport.  They just lead to a lot of heartache.  For me, I always make self-mastery as my goal.  I compete against myself.  I do my best to excel in order to give the other fellow a fitting competitor.  Iron sharpening iron.  Whether I win or lose, the rewards are always there with respect to character building.

Sometimes, winning poses a greater spiritual threat than losing.  As long as I have tried my best, if I should lose, I am happy and see it as an opportunity to be humbled.  Winning, on the other hand, tends to push humans towards pride or complacency.  The challenge is to remain humble at all times, giving God the glory in all the success he affords you.

Another weakness that can result from winning is the human tendency to rely on oneself.  During good times, when we are on the winning side, we feel self-sufficient.  We don’t need anyone to save us, or so we think.  I pray with all my might that I never forget to see God as my sole help and hope all the days of my life.  “Cursed be the man that trusts in man and makes flesh his shield.”  Trusting in a man is a curse.  And trusting in a man includes trusting in myself – I too am just a mere man.  Every golf swing, every breath, every second of my life, I know will not be possible without God who sustains me.  I know I will be cursed once I forget that.

I try my best and always give my full one hundred percent in everything.  The Bible says that we are to do with all our might whatsoever we find to do with our hands.  But I also always remind myself that my best will never be enough without God filling in for wherever I fall short.

Trusting in God alone makes me stronger.  It’s corollary is I also fear no man.  As long as I know I am doing my best to live God’s way, I should fear nothing and no one.  The righteous are to be bold as a lion.

I try to always keep my eyes open, sensitive to what God wants me to see or learn every day.   God doesn’t always speak to us with lightning and thunder as he did in Mt. Sinai to Moses.  He sometimes speaks to us in a still, small voice like he did to Elijah in the mountain.  Sometimes, that still, small voice can be a friend or even a stranger mentioning something in passing – but if you paid close attention you should have already realized something important you ought to do or stop doing.  Hopefully these spiritual musings speak in such a way to the hearts of those who read them.


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A Religious Golfers Insights on Investing…


Every time I win on a tournament, I make it a point to tithe on my winnings.  Believe it or not, I have discovered from personal experience that it is impossible for a man to outgive God. I give the church a tenth of the income I earn and I believe it is money well invested that goes to further the work of God on earth.  But so much more comes back to me in blessings both monetary and spiritual.  More than that tenth I gave could ever buy.

A man has the duty of looking to the state of his flocks. You work hard six days a week and try to bring in an income.  But if you fail to account for what comes in and out of your pocketbook, you will not be able to care for the blessing you have been given by God.  That is why I always list down my expenses to the smallest detail and I stick to a monthly budget.  I motivate myself by seeing it as a way for me to serve God.  By being stable in my finances, I can be a better instrument in his hands.

I always strive to keep a detailed accounting of my finances.  I believe this too is part of God’s law of love.  The more you build up your resources, the more you are able to serve others and care for those in need.  The more you are able to give to God and further the work of the church.

It seems we are all custodians of what God chooses to give us here on earth.  At the end of our lives, he will ask usinvesting tips how much we have made of the talents he has given us.  Like the master who asked his servant in the Parable of the Talents,  God may well ask us to give an accounting of what we did to all the income he gave us.  Did we put it in business to make it grow ten times?  Did we put it in the bank to grow five times?  Or did we just bury it under the ground like the evil servant?

Living simply is also another precept we can find in God’s word.  And I believe living simply, maintaining a low upkeep, has actually contributed a great deal to me personally in strengthening my finances, and even promoting a healthier body, and a happy, uncomplicated mental outlook on my part.

Our present society is so saddled in consumerism that you can see people fighting and hurting each other during thanksgiving over black Friday deals. It is just so sad. Is that where the spirit of thanksgiving has come to these days?  Greed, getting for the self, being so focused purely on the material?   Maybe that is also why our nation’s economy is sick right now.   So many individuals are saddled in debt.  Our country is similarly indebted to other nations in unbelievable amounts that stand in the trillions.  There is something wrong and almost immoral about holding such terrifying debt levels.  If a country is indebted that way, how can it be strong enough to provide for its citizens?  The financial rules that apply to one person also hold true for a nation.

But individually, we can do our part and take care of our own.  Even while our nation’s economy falls under distressing conditions, our financial lives need not be in the same situation.  We are the masters of our own destiny.  With God guiding us and blessing us because we are living his way of love and give, we can stand alone with God even in times of economic crisis.  We can trust in his word that he will provide for us because we have done our part.

There are a number of ways for a family to secure its finances in the midst of a failing national economy.  Things like saving a set amount each month, maintaining an emergency fund apart from your own savings, investing in your own house rather than renting .  If you do your part to secure your future,  God will do the rest to ensure your efforts succeed.  But “your efforts” is the operative word.  You must do your part.  There are a lot of financial schemes available today.  But one has to be wise in making decisions about their choosing where to invest their hard earned money.  Seek God to guide you.  Seek counsel from those knowledgeable in this area.

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Great Depression Redux

The United States’ stock market was in a bubble until it burst on that “Black Thursday” of 1929.  Thus began the black thursdayGreat Depression of the 1930s which lasted for 10 years.  Economists say the stock market crash devastated consumer confidence resulting in shrunken spending and major business failures and job losses.  At its, lowest point,13 to 15 million Americans were out of work and in dire poverty during the Great Depression.

Some believe that the 1930s’ Great Depression is history about to repeat itself in the 21st century.  But just as the black plague and smallpox of the old world have now been replaced by modern pandemics like avian flu and ebola, the global economy is also facing a different breed of financial malaise these days.  With technology and the innovations of our financial markets also come unprecedented complications and worst case scenarios.  And so, we now face a setup much different from the 1970s.

What actually makes our economic situation differ from the 1970s this time around?

An eroded trust in the US dollar. Ever since 1934, when the dollar decoupled from the gold standard, the US Federal reserve has been printing its currency by fiat.  This has been sustainable up to the present because the world trusts the United States, thus affording it reserve currency status.  They say when the United States sneezes, the world catches a cold.  Conversely, the stability of the global economy all these decades has been possible because of the stable and sensible economic policies of the US superpower.

But recent economic and political events have begun to erode that position of trust.  This reversal of trend started in September 2008 when, because of its toxic subprime mortgages, the US economy nearly tanked and brought the rest of the modern world’s economies along with it.   Nowadays, countries like China, Russia and Germany are beginning to take measures that would effectively decouple their economies from that of the US. Germany has been very vocal about blaming the United States for the economic crisis in Europe today.  It has been repatriating its gold reserves from the US federal reserve since 2012.  Meanwhile, China has recently pioneered the Asian Infrastructure Investment Bank as an alternative global banking system.

It seems the United States economy has maintained its stability all this time because of the positive sentiments of its neighbors.  But sentiments can easily change.  We can actually see them beginning to turn today.

Quantitative Easing.  Allan Greenspan pioneered the strategy of using monetary policy to steer the economy.  After him, when the housing bubble burst in 2008, Ben Bernanke continued in that tradition of throwing money at the market to cure it of its ills.  The US Fed flooded the markets with fresh cash, printed by fiat, to spur lending and spending, and to bail out those institutions that were too big to fail.  However, it is that policy of quantitative easing that has now led to current, seemingly absurd market phenomenon wherein investors and traders cheer low GDP growth because they know such will spur the Fed to cut rates and thus lead to a rise in stock prices.  Conversely, the stock market dips when analysts forecast a possible improvement in GDP, because that may possibly cause the Fed to increase interest rates, which will, in turn, push stock prices down.

Quantitative EasingAnother facet of this policy of quantitative easing is that it effectively devalues the US’ sovereign debt.  Again, this erodes the trust of US’ creditor nations such as China who have been turning to an accumulation of physical gold as their recourse against the dilution of the value of their receivables.

There is a limit to how low interest rates can go.  But global economies try to keep kicking the can as far down the road as they can, trying to fix themselves with the same monetary policies.  If and when those monetary policies cease to become applicable, the world economy will then be finding itself in overwhelmingly uncharted territory.

Sovereign Debt Bubble.  An increasing number of analysts and economists speculate that the next bubble to burst after housing is the US’ sovereign debt.  This type of crisis has already been demonstrated by Greece when it defaulted on its national debt.  The nation failed to honor its obligations to the EU and then imposed a tax on its citizens to help gather up the necessary funds just so the nation can continue to operate, in effect, to exist.  The US federal debt as of the date of writing this article stands at $18.8 Trillion, excluding unfunded liabilities like Social Security and Medicare. China alone, which holds $1.2 Trillion in US government securities, can destroy the US dollar and bring down the US economy at will.

Considering all the above issues confounding global economic policy makers, it seems highly likely that the world is going to fall into another recession, albeit with causes much more complex than in the 1930s.

Individuals, however, actually seem to have a better chance than their respective governments at directing their own individual course and setting themselves up in the right financial direction.   A person can prepare for a Great Depression scenario by diversifying his assets, offshore stock brokers are masters at helping you do that.  Those who were fully invested in equities during Black Thursday were wiped out.  Those who were all-in real property were also severely debilitated in 2008.  The key to surviving a market collapse is by hedging and diversification into asset classes that can even possibly increase in value in the event of a market failure.


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Know About Interest Rates And How It Affects Investors

Before you start investing, it is best that you know a thing or two about some of the things that would affect that money that you put out for investing. One of them is called “Interest Rates.” This one affects everything that you do with the money you used for investment. A good example of this is your savings account that has an interest rate assigned by your bank on an annual basis. The amount of money you put in there would increase or would remain as it is depending on the interest rate given by the bank.

It is almost the same when you deal with your stocks in the market. If you know the concept of how it works with credit cards, you would be able to get the hang of this. Either way, interest rates could create an impact to your investment.


interest ratesFor those who think interest rates is just some unnecessary burden in their investing agenda, I would like you guys to think again because this actually helps with regards to the flow of money in the economy. It tracks down the numbers that involves the people who save money and the people who borrows. The difference between the two is that the savers are known as interest that are already paid from them tabling down their expenses until such time that they need it. On the other hand, the borrowers are the one paying for the current interest they are spending in the now.


Now, you must understand that the more savings there are in a given financial institution, the more funds can be loaned from them and this is when the interest rate goes low. Meanwhile, when there are more borrowers than the available money for savings there are, this is when interest rates go high and yes, this is also amongst the reasons why prices hike.


A bank’s loan money depends on the effect of the interest rates that is currently happening in the economy. This shows that the impact to depositors would be direct and them multiplying is also related to it. Consequently, when this happens, inflation also takes place. The solution to inflation is also raising the interest rates.


interest rate hikeThe interest rate is actually never the same or stagnant. It would always change according to the demand and supply happening in the current market. This is basic economics as well if you would notice.


You must also know that there are different types of market and foundational interest rates in a country’s economy. These are often based on what’s going on with the central bank or the Federal Reserve (an example in the USA). The changes happening in interest rates are mostly also due to the rate that occurs in the federal funds or it could also be because of the discount rate. Either way, when those things are changing, it has the power to actually mold an entire economy.


These are just among the things that you should know as an investor when it comes to interest rates.

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