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Preparing financially for life.

--Sermon by Dr. Bob Benchoff, July 22, 2002

Reference Book of Mormon Page 435.

Gambling, stocks, and bonds each have risk factors tied to their profit potential.

Clearly, to unravel the best investment we will first need to briefly define these three areas, and then we will see how they fit into categories, then we will be able to determine the house profit margin to yield our best Return On Investment, ROI.

Investor Mathematics:

For a gambler to pick the right number, it is important to know the event (or Bond) to which the number would apply. To know which event, it is important to know it's track record and motivational vision (or Stock). To know this, it's important to know it's people, especially who's in charge and what they want.

For a potential Stock or Bond buyer, the above applies.

So investor mathematics is mainly about the person in charge and what they want, including what they want for other people.

For the differences in investor mathematics among Bonds, Gambling, and Stocks, the mathematics change focus from how owners are classified.

Some classifications are standardized, and some are arbitrary.

Owner Mathematics:

Individual people have individual fortes. To see an in-depth discussion, click here (Writing Law). This link reveals how people united in a cause (in this example, a patriotic cause) have greaty differing personal fortes and therefore very different interests.

Mathematically, if every personal condition is met, the action has all green lights, and all investment plans are met with yes. If investment plans are met with no, the owner chooses to have a limited business image in those applicable areas (for a classification) according to their personal (with or without their group's accord) barriers and limitations.

House Profit Margin:

An employer has a need so therefore tells the best applicant yes, in a pay for profits arrangement.

The same is true for the investor. To pick a lucky number, the right stock, or a reliable bond, confidence in the person in charge is needed. A right and reliable person with a lucky track record (someone that makes their own luck) provides the good and lucky number(s), the right stock, and the reliable bond.

An employee makes money; also a typical employer makes a profit margin from an average employee.

Likewise an owner makes a profit margin for investors.

Bond and Gambling ROI can be low if there's a package deal (such as great security + negligible profit). Or package deals can be received per other of ROI criteria (such as stocks + dividends). However, the profit margin must be high if other areas of the deal, if any, are uninteresting.


While the mathematics play an important role, clearly the person in charge is the key element.

From the person in charge's point of view, the best investor is one who is giving.

In counterpoise, from the investor's point of view, the best investment is in the person in charge who is heavily involved with charity.

Fixed rate Bonds without any package deal mathematically prohibit bonus charity to the investor.

Likewise, lower ROI fixed rate Bonds, or Gambling, mathematically offers that much less to the investor.

Similar to Gambling, investments in Stocks may return nothing for the investor.


The best investment involves charity.

Such charity is found through package deals that are investment related, not entertainment related. If the investor wants entertainment, that is a separate item. Therefore, the lucky number for a gambler is giving to charity.


To visit the Internet Church of Christ founded by Dr. Bob Benchoff, click here.