Advantages of Getting one Type of Mutual Fund

Below are some of what I think the advantages of getting just one type good mutual fund.

1. Your investment capital especially if yet small will not be diluted or divided, meaning, if the NAVPS of the mutual fund you subscribe in increases, your gain will be much more higher but of course the risk is that, if the NAVPS goes down the more also is your loss. That's why its imperative to study first the fund that you intend to invest in so that, you can confidently choose what type of mutual fund will fit your goal and risk appetite. 

2. You don't need to "mamangka sa dalawa o tatlong ilog" which means in this case if you were to endorse or recommend mutual fund to your friends or someone you know, you probably will not endorse or recommend many different type of mutual funds other than the one you subscribe in. And, since you have done your homework before investing on the fund, you can sensible explain to your friend why its worth it to invest on the fund where you invest in. Should they too invest on that fund and focus on it, not only that they will not divide their capital investment, they will also help increase the asset of the fund thus, increase also the value of the NAVPS and of course if the NAVPS increases, your share value will also increase. So go ahead, encourage others to invest on the fund you invest in. Take note the NAVPS formula of a mutual fund is ((Asset-Liabilities)÷Outstanding Share). 

3. Based on how I understand mutual fund, if you get more than one but the same type of mutual fund, in a sense you are not really diversifying. Like say for instance, if you subscribe to an equity funds at company "A" and equity fund also at company "B" and the same with company "C". If the equity market goes down, likely all of those mutual funds you subscribe in will also go down since they all invest in equity. Mutual funds no matter how many you subscribe in are all attached or is dependent on the equity market. Another is that, aside I guess from their investment strategy and fund managers, one of the reason why perhaps the same type of mutual fund is better than the other one is simply because, that mutual fund had already build a good performance reputation hence, more popular and therefore, many are interested to invest increasing the asset value more compare to the other mutual fund resulting to increase in NAVPS and, finally increase also on the share value.

4. If you invest in more than one MF and if you are working abroad and don't have the bank accounts on all the mutual funds you subscribe in, you will have to spend extra more on the remittance fee so as to add fund separately because to my knowledge, every mutual funds have different account number. To some, they may find this not convenient at all.

For myself I do subscribed to one mutual fund and also invest directly to stock market..

My 21st Century Question Regarding the Practice of Tithes Today

So, this is my 21st century question regarding tithes.

In the bible, Yes tithes belongs to God. In hebrews 7, our High Priest becomes Jesus Christ. He change the levitical priesthood to Himself, so by right levites even if they still exist, their priestly minister is no more in effect. Jesus is alive today and forever. Were you or did the bible give any instruction that what belongs to God can be collected and used by people who are subject to death? Because it's holy that first it was collected by Melchizedek (an immortal being, see Hebrews 7:2-3). Second, by levites (mortal being but was given the authority by God to collect and use it).Third, assumably by Jesus Christ the same as Melchizedek. I can't seem to find any instruction again or even a hint in the dispensation of grace that what belongs to Jesus can be collected by us mortal again.

The rightful Owner is alive and is present everywhere but, if you have the chapter and verse, please tell me?

Excluding Matthew 23:23 and any other verses where Jesus was still on earth because the bible say:

“If then He were still living on earth, He would not be a priest at all, for there are [already priests] who offer the gifts in accordance with the Law.”Hebrews 8:4 AMP

In analogy, Its like this, suppose in a company a new CEO is about to replace an existing CEO, the effectivity of his term as new CEO is next month. Does the CEO to be replace has still all the rights to be paid until the last day of his term? He does right, the incoming CEO cannot intervene or cut off his salary while the existing CEO is still in position right? Since we are talking about tithes not offering nor giving to which it is an inheritance of the levites in lay mans term a salary to them as a priest, the logic is the same. This is why God said, we ought to do important matters but don't also forget to do lesser matter like paying your obligation to the levites- the tithes.

For me, a man who collect the property of the owner who is not dead yet and did not give anyone permission to collect what belongs to him, that man might be accused of stealing.

Click the Link for Related Topic:

Tithing Principle, My queries for Enlightenment

The Heart is Deceitful above all Things

For most when I query who is the rightful receiver of tithe today. The most common answer is that, it does't matter who receive it as long as in their heart, they are giving it to God. With this response, I usually answer back and give this scenario; 

Suppose you are to evangelise or share the truth to a person who firmly believe that through the statue of Mary, a prayer can be heard by God. You explain to him that this is not so as according to the bible, you laid to him all the scripture and all the sensible explanation and bible facts that what he believe is contrary to what the bible say. Yet, in spite of all the sensible and biblical fact you've shown, it does't matter to him because in his heart he believe that his prayer can only be heard through the statue of Mary.

Are you going to acknowledge that what he believe is biblically acceptable since he believe in his heart that through the statue of Mary, his prayer can be heard? If not, then that scenario also apply to tithing, even if someone say they believe it in their heart. The most that I can do is to respect it and not push it anymore but, I say, the heart of that someone has been deceived. That kind of belief, in fact whatever we believe in our heart is obviously not in born, we choose to place it there to the point that it became part of us and is really hard to remove however faced with an evidence undeniable proving that what the heart believe is in fact a lie. But, I pray that in God's perfect time, the truth will be revealed in that man's heart.

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Tithe is Holy to the Lord, It Belongs to the Lord

Are you a Children or Stranger in Christ?

We pay taxes on our government and businesses charge us for the services rendered, churches should also do the same in the form of tithing to support its own infrastructure. This is how tithing is being justified except that churches is not a government or a business nor it should be modelled as such, the closest structure that a church could relate to is a family. No father in a family will charge his own sons or daughter for taxes. Neither will sons/daughter who had shown love or was taught love will not voluntarily render help or support to their parents or any member of the family. Every believer of Christ is part of the family in Christ and, like the king on earth who does not charge taxes within his own family, our father in heaven also does not charge taxes in a form of tithing on His own children in Christ.

The Bible Said:

“He said, “Yes.” And when he had come into the house, Jesus anticipated him, saying, “What do you think, Simon? From whom do the kings of the earth take customs or taxes, from their sons or from strangers?” Peter said to Him, “From strangers.” Jesus said to him, “Then the sons are free.” Matthew 17:25-26 NKJV

A thought to ponder!

See Link Below:

Tithe is Holy to the Lord, It Belong to Him

Our Lord Jesus Christ Lives

“AND NOW, O you priests, this commandment is for you.” Malachi 2:1 AMP

“Bring all the tithes (the whole tenth of your income) into the storehouse, that there may be food in My house, and prove Me now by it, says the Lord of hosts, if I will not open the windows of heaven for you and pour you out a blessing, that there shall not be room enough to receive it. [Mal. 2:2.]” Malachi 3:10 AMP

“And it is true that those descendants of Levi who are charged with the priestly office are commanded in the Law to take tithes from the people–which means, from their brethren–though these have descended from Abraham.”

Hebrews 7:5 AMP

“Now if perfection (a perfect fellowship between God and the worshiper) had been attainable by the Levitical priesthood–for under it the people were given the Law–why was it further necessary that there should arise another and different kind of Priest, one after the order of Melchizedek, rather than one appointed after the order and rank of Aaron? For when there is a change in the priesthood, there is of necessity an alteration of the law [concerning the priesthood] as well.” Hebrews 7:11-12 AMP

“So a previous physical regulation and command is cancelled because of its weakness and ineffectiveness and uselessness–” Hebrews 7:18 AMP

“He declares His word to Jacob, His statutes and His ordinances to Israel. [Mal. 4:4.] He has not dealt so with any [other] nation; they have not known (understood, appreciated, given heed to, and cherished) His ordinances. Praise the Lord! (Hallelujah!) [Ps. 79:6; Jer. 10:25.]” Psalm 147:19-20 AMP

“Furthermore, here [in the Levitical priesthood] tithes are received by men who are subject to death; while there [in the case of Melchizedek], they are received by one of whom it is testified that he lives [perpetually].”Hebrews 7:8 AMP 

Question: 

Since levitical priesthood was change and last time even though they were subject to death, they were allowed to receive the tithes of the people. In todays time, why are we receiving the tithes again by the the people who are subject to death? Our God in Jesus name is still alive and will live forever, right? Who give us - people who are subject to death, the right to collect whats belong to Him since He lives? As far as the bible is concern, the new testament did not say anything that, again the tithes thats His and holy to Him can be receive by people who die excluding Matthew 23:23 and all other verses where He was still on earth because the bible say:

 “If then He were still living on earth, He would not be a priest at all, for there are [already priests] who offer the gifts in accordance with the Law.”Hebrews 8:4 AMP 

Hence, at that time, tithes was still obligated to give to the priest as it was their inheritance when they were ordained to be the priest of the people. As a matter of biblical fact, it was cancelled or was ceased to practice by us mortal in Hebrews 7:18

Remember:

“You shall not add to the word which I command you, neither shall you diminish it, that you may keep the commandments of the Lord your God which I command you.” Deuteronomy 4:2 AMP

“Everyone who commits (practices) sin is guilty of lawlessness; for [that is what] sin is, lawlessness (the breaking, violating of God's law by transgression or neglect–being unrestrained and unregulated by His commands and His will).” 1 John 3:4 AMP

My witness why I'm confident that I'm telling the truth is the word of God. Should you believe that I'm strongly mistaken, who is your witness to prove me otherwise? A mere man?

Remember also these verse regarding a man.

“Cease to trust in [weak, frail, and dying] man, whose breath is in his nostrils [for so short a time]; in what sense can he be counted as having intrinsic worth?” Isaiah 2:22 AMP

“Put not your trust in princes, in a son of man, in whom there is no help. When his breath leaves him, he returns to his earth; in that very day his [previous] thoughts, plans, and purposes perish. [I Cor. 2:6.]” Psalm 146:3-4 AMP

As long as man die, leave a benefit of a doubt against his word. Always counter check what the bible really say. You'll never know, he himself might not be aware that he was already deceived hence, the confidence and boldness in making the lie seem so true.

Click the Link Below

Tithe is Holy to The Lord, It Belongs to Him

Tithe is Holy to the Lord, It belongs to Him

“Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the Lord Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.” Malachi 3:10 NIV

Haven't you wonder? They say tithe was practice before the law. Even if they are aware that the law ended with Jesus (Romans 10:4), since it was practice before the law and since grace is better before and during the law, tithing should also be practice in the dispensation of grace. Yet, in every short edification before the giving of tithes and offering, for most, the verse above is always quoted to which was part of the Law and here I thought they said, the law ended with Jesus? Why still quote this verse when this was mentioned within the boundary of the law - the law that ended with Jesus Christ? Are we trying to mix grace with a bit of the Law? Galatians 5:9 AMP says "A little leaven (a slight inclination to error, or a few false teachers) leavens the whole lump [it perverts the whole conception of faith or misleads the whole church]." On top of this, not only like we seemingly mix a 100% grace that was freely given with a bit of the law, we also did not follow the instruction of what to tithes that were acceptable to God. And here I thought, they preach that God does not change. From Malachi 3:10 itself it says, " ...that there may be FOOD in the house", how is money equate to food? Even the Pharisee themselves who were not farmers give tithes of mint, dill and cumin (Matthew 23:23). Not to mention that Jesus consider their tithe to be not as important as justice, mercy faithfulness. 

The truth is, money was already invented at that time yet, it was not acceptable as a thing that are God's. In (Matthew 22:17-21), before Jesus said, render to Caesar's the thing that are Ceasar's and to God the things that are God's, He ask first to show the tax money and asked, who was the man inscribed in the money? And when they answer Ceasar's, He proceeded to say, then give it to Caesar's as it was a thing of Ceasar's. Here, Jesus clearly identified that money is a thing of Ceasar's, a thing of Man, it is not a thing that belongs to God's. The things that are God's are not man made hence, tithes and offering acceptable and holy to God were all products made by God Himself such as the fruit of the trees, herds, crops, animals and not those products that were made by a man. No where in the bible we can find that offering or tithes to God was money even though money was already invented at that time. God does not change. Even if time changes, His word will remain the same hence, money will never be acceptable as a payment of tithe. Money is a thing that is made by a man, it's not holy to God, it's not tithable. Remember we are not giving FOR God rather we are giving whats already His and, whats His is not something made up by a mere human thus, cannot replicate. Though everything are from and rooted from the land and the land is created by God, not all that comes or rooted from the Land are holy to God thus, not all are tithable. What is holy and tithable to God was clearly specified in Leviticus 27:30

Moreover, these tithes and offering were instructed to be receive and consumed by the levites only. Unfortunately, due to them being imperfect, they were change to Jesus Christ whom having a priesthood that last forever. He is alive today, tomorrow and forever and what belongs to Him was not instructed in the new testament to be receive by us-people who are subject to death. Its holy and it should be respected as such and the rightful owner is alive in midst of us. Its kinda insulting really to our High priest who is alive that, what belongs to Him is being collected by us people who die when He did not gave any instruction in the new testament to do so. On top of this, the kind of tithe that is being given in His name is not what He required as mentioned in the bible yet, quote His word to support the claim.

Once it was receive by Melchizedek whom without father or mother, without genealogy, without beginning of days or end of life, resembling the Son of God, He remains a priest forever (Hebrews 7:3), to which Jesus Christ priesthood is in the Order of Him, they might be actually the same, just in different name. The order of Melchizedek priesthood can never be reach by us mortal, this order of priesthood is already and can only be occupied by Jesus Christ Himself, He is irreplaceable, unchangeable and is living today, tommorow and forever. In the law, it was permitted by God to receive by people who die through levitical priesthood. And in the grace, it never was mentioned that again it can be receive or collected by people who die in fact it was annulled or was ceased to be collected by mortal in Hebrews 7:18 due to its weakness and unprofitability. Remember the righful owner of the tithes is living perpetually, a man who collect the property of the owner who is not dead yet and did not give anyone permission to collect what belongs to him, that man might be accused of stealing.

Remember also that sin as defined in the bible is as simple as violating the word of God.

“Everyone who commits (practices) sin is guilty of lawlessness; for [that is what] sin is, lawlessness (the breaking, violating of God's law by transgression or neglect–being unrestrained and unregulated by His commands and His will).” 1 John 3:4 AMP

To those who practice tithing, you are really clueless that you are wasting your 10% income for nothing as a matter of fact you are like paying to sin. Might as well give that 10% to those who really in needs, the poor, orphans, widows etc. This was the instruction actually in the new testament, pay forward to those in need not paying God back. God does not need our money but our neighbours who are poor, orphans, widows, strangers needs it.

I do hope you realise that this deception has been going on for centuries. If you don't study your bible in regard to this matter, its possible that you might pass this faulty belief to your children children's. Their might be a point in yours or your childrens life where you or they prefer to give their 10% income to the church for the wrong reason yet, at the same time struggling to provide for their own family. You or your childrens will like try to obey a law in the expense of the other (1 Timothy 5:8). By that time, you'll realise or your children will that, they are in a bondage of the tithe doctrine made up by men. You will or they will feel so guilty that they'd rather give the 10% income to church than use it buy food for their family or payed the debt owed or give to the poor.

Click the Link:

Will a Man Rob God?

Who is Really the Master Behind the Veil?

Born again Christians will stop believing christmas, halloween and easter because they acknowledge that these tradition are not biblical. It will cost nothing for any Christians if they amend their beliefs by removing these tradition practice in their belief system. But, it's difficult in TITHING even though they are aware that biblically it was cancelled and will even defend its doctrine without the use of biblical support. Why? because for so long that tithing is being practice, it became the lifeblood of the church, the leaders, the ministers fear that if they stop requiring the congregation to tithe rather give what the heart desires, the church might eventually not stand because, they worry on how would they able to maintain the payment of the bills, the rental cost, etc, if there are no assurance (by means of planting fear using Malachi 3:10) from the congregation that there will be a steady cashflow of money into the church. And, Pastors or Ministers that get their maintenance from the Gospel might not able or would worry how will they able to support their family (see link: Pastor Right to Live by the Gospel). Ironic that, the same Leaders, Pastors and Ministers believe that they serve a God who can make all thing possible yet, worries such a thing.

The bible said;

“No one can serve two masters; for either he will hate the one and love the other, or else he will be loyal to the one and despise the other. You cannot serve God and mammon.”Matthew 6:24 NKJV

It made me wonder, if tithing became the life blood of the church even though there is no biblical support that, it's allowed to practice in the dispensation of grace in fact it was cancelled in Hebrews 7:18 but then, pastors, leaders are afraid that the church might not stand if they stop requiring the congregation to tithe. Who is really the master behind the veil? Money or God?

See link:

Will a Man Rob God?