Behavior & Conviction

In 3 Nephi 15, the Lord announces that the Law of Moses has been fulfilled in Him. He has accomplished all its requirements, and its performances in large part are done away.

The law of Moses was a behavioral discipline. But we know that, as President Packer said, the gospel of Jesus Christ has greater power to change behavior than even a study of behavior itself does.

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The Resolutionary War

7:30 already? “Crap,” I exclaimed groggily as I stretched my protesting leg muscles beneath the tangled sheets. My roommate’s alarm clock sounded like canon fire from the bunk above my head.

“Good morning,” he grumbled in his characteristic pseudo-drunk, pseudo-French accent (paying daily homage to his favorite movie, The Brothers Bloom). I returned the salutation in like manner as I threw off my blanket.

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Marriage & Religion

For me, the question of whether or not living a religious lifestyle benefits marriage can only be answered in the affirmative. I have seen many people I love struggle through and end their marriages when their previously-strong commitment to God waned; it seems that losing faith in Him starts people on the path of losing faith in many things.

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Review: 7Twelve: A Diversified Investment Portfolio with a Plan

Craig Israelsen’s 7Twelve: A Diversified Investment Portfolio with a Plan is an excellent read about a very well-thought-out investment portfolio. Dr. Israelsen named the portfolio “7Twelve” after its components: seven asset classes divided into a total of twelve funds. This, he said, is how an investor can gain investment breadth as well as depth.

 In fact, that was one of the main messages of the book: so many investors swear by the simple 60/40 stocks/bonds investment model, which can be very effective but holds a significant level of risk. On the other hand, diversifying beyond large-cap stocks and municipal bonds into international, up-and-coming stocks, as well as investing in commodities and real estate, can give greater variety to a portfolio and safeguard it against economic upheaval. When it was all said and done, stocks made up about 65% of the entire 7Twelve portfolio. But, dividing it into seven asset classes (instead of the traditional two) and adding depth by introducing more than one fund in certain classes provided a greater return with less risk than the two-fund portfolio.

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