albuterol dosage for puppies inderal 10mg for dogs lupin ciprofloxacin can i give baytril with augmentin celebrex and verapamil escitalopram financial aid nifedipine retard side effects cialis 20 mg twice in 24 hours topamax cost precios viagra farmacias anastrozole 2 mg eod order celexa online does singulair cause eczema verapamil 400mg cipro rapid heartbeat tadalafil capsule mfg metronidazole gel in wounds can doxazosin cause depression zoloft twice daily dosing tetracycline dosage for poultry doxycycline and first trimester pregnancy zoloft as migraine preventative cialis soft tab washington que es el norvasc amoxicillin in the uk non prescription doxycycline for fish amlodipine and atenolol hplc where to buy sildenafil in south africa can u get off paxil and black out buy orlistat prescription viagra ecstasy allopurinol how to take buy cheap periactin other names proventil hfa cipro und alkohol 30 day supply of cialis frr does viagra make you unable to ejaculate methocarbamol 750 en espanol can i take oxycodone with levaquin fluconazole 3 days apart viagra maximum dosage tadalafil walmart drugstore street name sertraline 100 mg maxaltmlt and ibuprofen will 30 days side effects of doxycycline anafranil gain weight what the side effects of naproxen snow fun bupropion 300mg when should fluconazole work cipro urinary retention orlistat stronger arimidex prices us how much does cytotec costs can i take cipro and nexium together buspirone hcl and lexapro viagra prescription new zealand cialis 2 5 mg online metronidazole and isothiazolinone allergy purchase colcrys drug interaction neurontin and vicodin 50 mg doxycycline feline dosage can you take diflucan while on your menstrual cycle viagra sfd gabapentin and restless legs syndrome can dogs take bactrim antibiotics doses for flagyl plavix 75mg walmart spironolactone whartisthebestin cost par pharmaceuticals bupropion hcl xl 150 mg recall breastfeeding and amoxicillin 500 mg nursing assessment metformin azithromycin 250 mg 5 day buy flagyl singapore finasteride tablets ranbaxy pdf does azithromycin affect the morning after pill cipro acute renal failure benefits of fluconazole 150 talets topiramate wound healing azithromycin 500 mg diarrhea pms finasteride vs propecia how long to see results with orlistat chaman bhai ki adalat sintrom et allopurinol quetiapine fumarate hurts your liver how quickly does fluconazole work for jock itch does rizatriptan wafer absorb buccaly whats the difference between zoloft and sertraline hcl faire son viagra maison teva gabapentin for dogs premarin dvt amitriptyline 25 mg side effects is zaditen and singulair safe when pregnant cheap viagra sildenafil ketoconazole use instructions in hindi proscar vs proviron premarin lung cancer azithromycin 500mg obat untuk amlodipine asce prozac or escitalopram taking 450 mg of wellbutrin singulair generic brand buy estradiol patch online no prescription accutane ipledge login ketoconazole cream 60gm 2 azithromycin capsules when does the merck propecia patent end zithromax dosage for 4 year old strattera logo how slow to push lasix what happens if a 16 month old drink albuterol solution viagra how long before you come finasteride results after 2 years rifampin and amoxicillin thuoc voltaren 500mg aciclovir 800 mg genfar para que sirve sildenafil rates in delhi antibiotics penicillin based cream for horses will allegra cause bruising orlistat vs sibutramine weight loss taking celexa and concerta together como me debo de tomar el orlistat mixing celebrex and aleve ciprofloxacin for ckd prednisone the steroid nexium mups 400 mg tenormin iv price in bangladesh bupropion 200 mg sr make u tired can i take clomid on day 8 of my cycle maxalto amoenus preis ventolin inhaler recycling amoxicillin side effect for broilers come posso avere del viagra dove acquistare finasteride online para que sirve el ketorolaco meloxicam using azithromycin can affect your period spironolactone mint flavor cipro ac ear infection dostinex 1gr ritemed atorvastatin price plavix effects on inr nizoral. ketaconazol ketaconazole 400 ovulos bactrim ds efficacy for mrsa in pierced ear what happens with too much thyroxine how long is lisinopril in your system prednisone effect on lymphocytes amitriptyline gives me energy lexapro helps concentration flomax side effects in men fatigue nizoral hair loss rogaine fosamax plus 5600 ui metformin stop before surgery isotretinoina manchas piel doxycycline from mankind pharma paxil 12.5mg insomnia teva citalopram how long to get into system can young use viagra aminophylline lasix iv protocol coumadin lasix interactions can kuin ciprofloxacin cause yeast bijsluiter estradiol pleister how much better is 100 mg viagra than 50 mg viagra can you take zopiclone and prednisone what does buspar do to you kamagra oral jelly taste amlodipine norvasc walmart donde comprar misoprostol en uruguay indicaciones de ondansetron odt safety of iron supplements wituh plavix clomid et acupuncture diflucan foe jock itch and yeast infection can indomethacin get you high atarax para la dermatitis propecia 1mg effectivness apteka plavix clopidogrel 75 cena diabex metformin hcl cytotec rowcmoadreders for sale what does work for baby albuterol sulf afkicken van zyprexa why are babies given erythromycin at birth apos tomar viagra pode tomar cerveja buspirone tablet ciprofloxacina cuantos dias se toma have you bought cialis online clonidine .2 r 128 street price can you overdose on benadryl and hydroxyzine how to use cytotec for 6 weeks pregnant asthma inhalers without prescription calgary thyroxine generic name natural alternative to amlodipine is lasix iv push used for heart conditions kamagra by cheque uk weaning lexapro schedule lipitor 20 mg tablet price dubai proscar and levaquin together cost of clomid in canada erythromycin for sebaceous cyst doxycycline effets secondaires fatigue intercontinental aphrodite hills resort cipro norvasc pfizer srbija terbinafine 1 percent cream how long should i take amoxicillin 1 gr for acyclovir for treatment of ebv para que es el kenalog y decadron amaryl tab viagra smiling bob molecular weight of erythromycin what is olanzapine easypharm for cual es la mejor viagra generic duloxetine vs cymbalta review clomid com cicloprimogyna cialis 5 mg due pastiglie cheap generic viagra free shipping ssri syndrome lexapro time of action of misoprostol acyclovir dose herpes prevention phenergan high yahoo atenolol medical information accutane bumps on arms mobicontrol samsung agent for premature ejaculation levitra escitalopram jovia generic nexium launch date is cipro making me sick can you take ibuprofen with amlodipine 10 mg can you get a buzz off hydroxyzine strattera and wine topamax and heart block ic ciprofloxacin hcl uses flomax bed wetting plavix affect pt ptt levonorgestrel estradiol dosis generic valacyclovir price price for plavix 75 mg government cost of doxycycline hcl 100mg celecoxib celebrex price is fluconazole 50 mg available over the counter at cvs cialis in egitto levothyroxine suppository topiramate side effects insomnia lamisil uk boots can fluconazole affect birth control pill topamax weaning off side effects aldactone en el culturismo dosage of metronidazole in infants long term diflucan treatment what can i take for daily erection amlodipine benefits and side effects accutane magic mushrooms teva bactrim shortage escitalopram alopecia can you take zinc and cialis side effects of celebrex in men celexa day 8 nexium 3 zanaflex vs methocarbamol buy cheap lipitor online precio valtrex en cvs can i buy viagra over the counter in queensland amoxil bd suspensao oral what does liquid cialis research do dostinex associato a cialis mirtazapine 60mg over dose atorvastatin 90 day supply doxycycline dosage for canine glucophage 500 60 tbl can you cut a lipitor pill in half buspirone hcl cost terbinafine take to work cuantas pastillas de viagra se pueden tomar will lisinopril show up in a drug test for the military desvenlafaxine tamoxifen el cytotec me puede dejar esteril can seroquel 25 milligrams cause diabetes cytotec pills dosage cost of lexapro maryland walgreens tinea versicolor terbinafine hcl generic cipro 250 looks like tamsulosin hcl cost brand viagra in usa transitioning off seroquel how long does topiramate stay in the body voltaren 25 mg 30 tablet fiyat?± tadalafil guatemala liquid amoxicillin for 14 year old cheap propecia from canada allegra d compared to claritin d metronidazole 500mg es para divertculitis griseofulvin nhs does lisinopril contain thiazide cheap prescriptions singulair adderall and seroquel duloxetine hcl side effects lawsuits does cialis work after one pill is cramp one of the effect of clomid embalagens de cialis wellbutrin o zoloft can i take sophylex and singulair at the same time zovirax cream really work price cialis pharmacy cold turkey gabapentin 2 year old ingesting albuterol sulfate how long does it take for lipitor to work can you take vicoden and allegra together abilify efficace propecia rogaine 6 months lasix online no prescription canada buying zyprexa canada gabapentin in spanish zofran 4 mg dosage liquid wellbutrin can lisinopril fuck u up escitalopram oxalate 10mg mixing alcohol taking zoloft and elavil erythromycin ophthalmic ointment sale how much does the generic lipitor cost celexa abilify prednisone 4mg dose pack precio de albuterol desogen morning after interaction ketoconazole 400 mg harga clomiphene citrate injection pakistan atorvastatin pricing oral vs iv cipro cara minum fluconazole gabapentin makes me feel weird taking naproxen without food how long does a 50mg viagra pill last albuterol nebulizer makes coughing worse petechial rash with septra benazepril hcl 5 mg azithromycin amitriptyline interaction can i take amoxicillin and azithromycin together dosage of celebrex for muscle pain lamisil not working ringworm can i take combiflam and septran together isotretinoina valleant can i take lisinopril with xls medical misoprostol and cytotec price in south africa flagyl 2 grams single dose canine doxycycline 100mg online inderal 50 steroid levothyroxine monitoring parameters seroquel prolongado spironolactone monographie 50 mg prednisone 10 days does prometrium make you feel pregnant aciclovir utilizzo doxycycline hyclate 100mg side effects in men amisulpride augmentation olanzapine tamoxifen orange pills lamisil at spray for neck a lennon doxycycline for miscarriage diuretic lasix steroid drug test can i take coreg with cipro bactrim clasificacion y descripcion es para neumonia ci cipro for sale furosemide 40 mg same for humans and dogs premarin pomata 2cialis levitra sales viagra methocarbamol 750 mg with alcohol cialis czy kamagra opinie can you take prednisone for only 3 days estradiol 5 mg metronidazole no prescription uk gabapentin and eye twitching how to improve the effects of vardenafil acyclovir edema is nizoral shampoo available in durban south africa harga zyvox tablet take vibramycin for 30 days acquisto cialis tadalafil groups generic metoprolol baownbeuv cap azithromycin 1gm used for std treatment can you snort paroxetine 20mg bupropion hcl 150mg flagyl is 500mg a good strong antibiotic candesartan plus hydrochlorothiazide does liquid metronidazole have to be refrigerated propranolol for tbi epocrates viagra tablets and use togeting long time metoprolol para arritmias famciclovir tablet alternate in india thyroid thyroxine side effects

Put Your Money Where Your Faith Is

Save, share, invest and trust in God.
by Tom McFeely | Source:
Catholic investment adviser Phil Lenahan says Catholic parents have a biblical calling to be wise stewards of the material wealth that God bestows on their families.

But what does that calling mean in practical terms? What principles should guide Catholic dads and moms as they seek to provide for their families’ future needs through sound investment of the family income?

And how can they avoid investing in companies that are linked to gravely immoral activities like pornography or abortion?

Lenahan, who lives with his wife Chelsey and their seven children in Temecula, Calif., and is a Register “Family Matters” columnist, says the first principle that should inform Catholic parents is that they have a practical and spiritual responsibility to save money for the future.

“It is scriptural to save for those future needs,” Lenahan says, citing Joseph’s advice that Pharaoh should set aside 20% of his realm’s crops in years of plenty to protect against the coming years of famine. “Most of us are going to hit a time when we’re not able to generate the annual income that we can when we’re younger.”

Lenahan notes that the Bible also has passages that warn against hoarding. The key difference is the motive involved in setting aside wealth: As long as it’s done to meet legitimate future needs, rather than to pursue a life of future idleness or other selfish ends, investing is a God-given family responsibility.

Another issue is the morality of taking risks with the family savings by investing in the stock market or other financial instruments.

Samuel Gregg, director of research for the Michigan-based Acton Institute, says there’s nothing wrong with Catholics accepting some degree of uncertainty in their investment decisions.

Gregg says risk is an unavoidable component of any wealth-creating initiative. When a small family business is started, for example, there is no guarantee that the business will survive. If it fails, the family will lose the time, effort and financial resources committed to the enterprise.

The key virtue to exercise in making any financial decision is prudence in assessing whether a given investment is responsible or reckless.

Says Gregg, “I think that reasonable risk-taking is very much a reflection of the virtue of prudence.”

So what percentage of family income is it prudent to save for future needs?

Lenahan says a “basic rule of thumb” is in the range of 10%.

He also suggests families get more specific guidance by utilizing software tools available on financial-management websites. One such tool for calculating a reasonable savings target is posted on the website of Lenahan’s organization, Veritas Financial Ministries, at (click on the “My Veritas Plan” link).

Lenahan says that, while Americans had an average savings rate of 7% of income from 1970-2000, in 2005-’06 overall savings actually declined marginally.

A major reason for this financial pinch is that so many families — even faithful Catholic ones — get caught up in the “buy-now” mentality of America’s consumer culture.

Lenahan believes the remedy for the overspending generated by this consumerist mentality is to adopt “a faith-filled, common-sense perspective” about what your family really needs.

When families do that, they generally find that it’s possible to meet their short-term and long-terms financial goals, he says, and even to be more generous in their charitable giving.

“Most of the time the money is there,” adds Lenahan, “but you end up having to make some decisions that are a little bit painful.”

Morals Matter
Another thorny issue is the problem of moral investing — especially in a society where major corporations like AT&T are openly involved in marketing porn and where other companies routinely make charitable donations to pro-abortion groups like Planned Parenthood.

According to the Acton Institute’s Gregg, a Catholic investor must strictly avoid all “formal cooperation” with evil by not investing in companies directly involved in activities that are always gravely immoral, with the deliberate intention of supporting those immoral activities.

An example would be to invest in a pharmaceutical company that produces chemical contraceptives, with the specific desire of helping the company promote contraceptive use.

But most investment decisions are less clear-cut morally. And while Catholics should always strive to avoid involvement with evil, Gregg noted the Church does not require them to avoid any association with organizations that may be involved to some degree with immoral activities.

Moreover, in today’s complex marketplace, it’s often not possible for the average investor to know whether a given company is indirectly involved in immoral economic activity. And a Catholic family might want to invest in financial instruments like mutual funds, meaning that their investment dollars will be spread among many companies.

When contemplating such investments, Catholic investors should undertake “due diligence” to find out if a company is directly engaged in immoral activities, or “consult with an investment advisor who specializes in this area,” Gregg suggests.

Lenahan points to an article by Catholic apologist Jimmy Akin, available on the Internet at, which provides a good explanation of the moral principles involved in ethical investing.

Lenahan says investors could consider Ave Maria Mutual Funds (online at and Epiphany Funds (, as well as some non-Catholic Christian mutual funds, as possible avenues for ensuring that mutual-fund investments are directed to morally sound companies.

Consistency Is Key
Robert Mylod is a retired banking executive and father of six who lives with his wife Monica in Manasquan, N.J.

Looking back over his and his wife’s experience of saving and investing while raising and educating a large Catholic family, he points to the importance of implementing “basic stuff” like making a budget and sticking to it, paying bills on time and avoiding unnecessary debt.

“The only debt my wife and I incurred, with a few minor exceptions, was a mortgage on our home,” Mylod says.

Early on in their marriage, the Mylods decided that the best bet for growing their family’s savings was to set aside a fixed amount of money every month and invest it in the stock market.

Such consistency is a fundamental component of a successful investment strategy, he believes.
Says Mylod, “People are rewarded by following that kind of approach.”

In more ways than one, God willing.

5 Steps to Faith-Based Investing
1. Avoid unnecessary debt and practice sound stewardship of your resources

2. Prayerfully discern what your family truly needs to live in modest comfort, and what percentage of your resources you can allocate to charitable giving

3. Save and invest a portion of your income for legitimate future needs, not materialistic wants

4. When choosing investments, accept a reasonable level of risk-taking as a way to practice the virtue of prudence

5. Know which companies will benefit from your investment dollars — and make sure they are not involved in immoral pursuits

Tom McFeely is based in Victoria, British Columbia.

Source: National Catholic Register - March 9-15, 2008 Issue

Click Here to Donate Now!

Join the new media evangelization. Your tax-deductible gift allows to build a culture of life in our nation and throughout the world. Please help us promote the Church's new evangelization by donating to right now. God bless you for your generosity.




Post a Comment
Write a comment on this article

Email required (will not be published)
required Country

Most Popular