삼일교회 전병욱 목사님 설교말씀

2008년1월6일/주일저녁8부/자족하는 마음은 여유를 가져다준다.

누구든지 다른 교훈을 하며 바른 말 곧 우리 주 예수 그리스도의 말씀과 경건에 관한 교훈을 따르지 아니하면, 그는 교만하여 아무 것도 알지 못하고 변론과 언쟁을 좋아하는 자니, 이로써 투기와 분쟁과 비방과 악한 생각이 나며, 마음이 부패하여지고 진리를 잃어 버려, 경건을 이익의 방도로 생각하는 자들의 다툼이 일어나느니라. 그러나 자족하는 마음이 있으면 경건은 큰 이익이 되느니라. - 디모데전서 6장 3-6

내가 두 가지 일을 주께 구하였사오니 내가 죽기 전에 내게 거절하지 마시옵소서.  곧 헛된 것과 거짓말을 내게서 멀리 하옵시며, 나를 가난하게도 마옵시고 부하게도 마옵시고 오직 필요한 양식으로 나를 먹이시옵소서. - 잠언 30장 7-8

We are always seeking for more and more physical, financial, and intellectual power, and spend most of time and resource for that.

As a Christian, it’s not right because we are called as stewards and our power and resources come from God. We have to put more effort to use wisely the gifts we’ve received than to have more for our sake.

Don’t be a wicked, lazy, and worthless servant. Be wise.

Today, I read an article from MS Money, which I set up last night to monitor and manage my cash flows.

It talks about diversifying a portfolio even with small amount of money. The main idea is buying ETFs which are:

• Vanguard Total Stock Market VIPER (VTI, news, msgs), which tracks the Wilshire 5000, an index of approximately 6,500 U.S-based stocks. It’s like buying virtually the entire stock market.

• iShares MSCI-EAFE (EFA, news, msgs), which corresponds to the Morgan Stanley index of stocks trading in Europe, Australia and the Far East.

• iShares Lehman Aggregate Bond (AGG, news, msgs), which attempts to track the price and yield performance of the total U.S. investment grade bond market.

• iShares Dow Jones US Real Estate (IYR, news, msgs), which holds a basket of 75 real estate investment trusts (REITs) that represent that sector of the U.S. economy.

• iShares Dow Jones US Basic Materials (IYM, news, msgs), which includes stocks in the energy, basic materials and precious metals sectors. (Once your portfolio reaches a total value of at least $25,000 — and it will! — you’ll want to switch your commodity allocation to the PIMCO Commodity Real Return Strategy fund (PCRDX), which more accurately captures the returns of the commodity futures market than a collection of stocks can. The fund has a minimum initial investment of $2,500, which makes it impractical for smaller accounts.)

To keep your expenses as small as possible, he recommends to use ShareBuilder.

Well, let’s start. I think that sooner would be better.