Monday, September 29, 2008

Family Finances in Critical Times



Today the Dow tumbled to its worst single-day point loss ever. During these times of financial distress the LDS Church provides wise council in their brochure entitled Family Finances Here is some of its contents:

“Prepare for adversity by looking to the condition of your finances. We urge you to be modest in your expenditures; discipline yourselves in your purchases to avoid debt. Pay off debt as quickly as you can, and free yourselves from this bondage. Save a little money regularly to gradually build a financial reserve. If you have paid your debts and have a financial reserve, even though it be small, you and your family will feel more secure and enjoy greater peace in your hearts.”

The Web site also provides the following guidelines for families to become more financially responsible:

1. Avoid debt. Learn self-restraint by spending less money than you make and saving money to purchase what you need. Avoid debt except for vital needs, education and the purchase of a modest home. If in debt, try to pay it off quickly.
2. Use a budget. Keep a record of your monthly income and expenses. With this information, set up a family budget. Establish how much you will save, how much you will spend for food, housing, insurance, utilities, etc. Reduce what you spend on things that are not necessary.
3. Teach family members early the importance of working and earning. Children should be responsible for the decisions that affect their own money and face the consequences of their bad spending. As your children mature, help them understand the family financial situation, budget goals and their individual responsibility within their families.
4. Work toward home ownership. Improve the home you acquire so you can use the accumulated equity for a better home if you decide to sell it.
5. Appropriately involve yourself in an insurance program to avoid the significant debts place upon families when they are uninsured.
6. Involve yourself in a food storage and emergency preparedness program. Planting and harvesting a garden annually can help the family budget and encourage food storage.
7. Build a reserve. Accumulate savings little by little and use it for emergencies only.

The Web site also provides a number of financial tools to guide families and individuals in the decision-making process. These tools can help determine — based on an individual’s own income — how soon loans and debts can be paid off, how much to save for retirement, how much to save to reach a specific goal, and the monthly payment on a new home.

Wednesday, August 6, 2008

May We So Live


Thomas S. Monson, “May We So Live,” Liahona, Aug 2008, 2–7

Suddenly and without warning, on a bright day in September almost seven years ago, two airliners crashed into the twin towers of New York City’s World Trade Center, leaving devastating destruction and death. In Washington, D.C., and in Pennsylvania, two other airliners came down, also as a result of a terrorist plot. These tragedies snuffed out the lives of thousands of men, women, and children. Evaporated were well-laid plans for pleasant futures. Instead, there were tears of sorrow and cries of pain from wounded souls.

Countless were the reports we heard of those who were touched in some way—either directly or indirectly—by the events of that day. Rebecca Sindar was on a flight from Salt Lake City, Utah, to Dallas, Texas, on the morning of Tuesday, September 11, 2001. Her flight, like all others in the United States at that time of tragedies, was interrupted; the plane was grounded in Amarillo, Texas. Sister Sindar reported: “We all left the plane and found televisions in the airport, where we crowded around to see the broadcast of what had happened. People were lined up to call loved ones to assure them we were safely on the ground. I shall always remember the 12 or so missionaries who were on their way to the mission field on our flight. They made phone calls, and then we saw them huddled in a circle in a corner of the airport, kneeling in prayer together. How I wish I could have captured that moment to share with the mothers and fathers of those sweet young men as they saw the need for prayer right away.”
Death’s Darkness Dispelled

Death eventually comes to all humankind. It comes to the aged as they walk on faltering feet. Its summons is heard by those who have scarcely reached midway in life’s journey, and often it hushes the laughter of little children. Death is one fact that no one can escape or deny.

Frequently death comes as an intruder. It is an enemy that suddenly appears in the midst of life’s feast, putting out its lights and gaiety. Death lays its heavy hand upon those dear to us and at times leaves us baffled and wondering. In certain situations, as in great suffering and illness, death comes as an angel of mercy. But for the most part, we think of it as the enemy of human happiness.

The darkness of death, however, can ever be dispelled by the light of revealed truth.

“I am the resurrection, and the life,” spoke the Master. “He that believeth in me, though he were dead, yet shall he live:

“And whosoever liveth and believeth in me shall never die.”1

This reassurance—yes, even holy confirmation—of life beyond the grave could well provide the peace promised by the Savior when He assured His disciples: “Peace I leave with you, my peace I give unto you: not as the world giveth, give I unto you. Let not your heart be troubled, neither let it be afraid.”2

Out of the darkness and the horror of Calvary came the voice of the Lamb, saying, “Father, into thy hands I commend my spirit.”3 And the dark was no longer dark, for He was with His Father. He had come from God, and to Him He had returned. So also those who walk with God in this earthly pilgrimage know from blessed experience that He will not abandon His children who trust in Him. In the night of death, His presence will be “better than [a] light and safer than a known way.”4

Saul, on the road to Damascus, had a vision of the risen, exalted Christ. Later, as Paul, defender of truth and fearless missionary in the service of the Master, he bore witness of the risen Lord as he declared to the Saints at Corinth:

“Christ died for our sins according to the scriptures;

“… he was buried, and … he rose again the third day according to the scriptures:

“… he was seen of Cephas, then of the twelve:

“After that, he was seen of above five hundred brethren at once. …

“After that, he was seen of James; then of all the apostles.

“And last of all he was seen of me.”5

In our dispensation this same testimony was spoken boldly by the Prophet Joseph Smith, as he and Sidney Rigdon testified:

“And now, after the many testimonies which have been given of him, this is the testimony, last of all, which we give of him: That he lives!

“For we saw him, even on the right hand of God; and we heard the voice bearing record that he is the Only Begotten of the Father—

“That by him, and through him, and of him, the worlds are and were created, and the inhabitants thereof are begotten sons and daughters unto God.”6

This is the knowledge that sustains. This is the truth that comforts. This is the assurance that guides those bowed down with grief out of the shadows and into the light. It is available to all.
Doing Something Today

How fragile life, how certain death. We do not know when we will be required to leave this mortal existence. And so I ask, “What are we doing with today?” If we live only for tomorrow, we’ll eventually have a lot of empty yesterdays. Have we been guilty of declaring, “I’ve been thinking about making some course corrections in my life. I plan to take the first step—tomorrow”? With such thinking, tomorrow is forever. Such tomorrows rarely come unless we do something about them today. As the familiar hymn teaches:

There are chances for work all around just now,
Opportunities right in our way.
Do not let them pass by, saying, “Sometime I’ll try,”
But go and do something today.7

Let us ask ourselves the questions: “Have I done any good in the world today? Have I helped anyone in need?” What a formula for happiness! What a prescription for contentment, for inner peace—to have inspired gratitude in another human being.

Our opportunities to give of ourselves are indeed limitless, but they are also perishable. There are hearts to gladden. There are kind words to say. There are gifts to be given. There are deeds to be done. There are souls to be saved.

As we remember that “when ye are in the service of your fellow beings ye are only in the service of your God,”8 we will not find ourselves in the unenviable position of Jacob Marley’s ghost, who spoke to Ebenezer Scrooge in Charles Dickens’s immortal Christmas Carol. Marley spoke sadly of opportunities lost. Said he: “Not to know that any Christian spirit working kindly in its little sphere, whatever it may be, will find its mortal life too short for its vast means of usefulness. Not to know that no space of regret can make amends for one life’s opportunity misused! Yet such was I! Oh! such was I!”

Marley added: “Why did I walk through crowds of fellow-beings with my eyes turned down, and never raise them to that blessed Star which led the Wise Men to a poor abode? Were there no poor homes to which its light would have conducted me!”

Fortunately, as we know, Ebenezer Scrooge changed his life for the better. I love his line, “I am not the man I was.”9

Why is Dickens’s Christmas Carol so popular? Why is it ever new? I personally feel it is inspired of God. It brings out the best within human nature. It gives hope. It motivates change. We can turn from the paths which would lead us down and, with a song in our hearts, follow a star and walk toward the light. We can quicken our step, bolster our courage, and bask in the sunlight of truth. We can hear more clearly the laughter of little children. We can dry the tear of the weeping. We can comfort the dying by sharing the promise of eternal life. If we lift one weary hand which hangs down, if we bring peace to one struggling soul, if we give as did the Master, we can—by showing the way—become a guiding star for some lost mariner.
Fill Others’ Hearts

Because life is fragile and death inevitable, we must make the most of each day.

There are many ways in which we can misuse our opportunities. Some time ago I read a tender story written by Louise Dickinson Rich which vividly illustrates this truth. She wrote:

“My grandmother had an enemy named Mrs. Wilcox. Grandma and Mrs. Wilcox moved, as brides, into next-door houses on the main street of the tiny town in which they were to live out their lives. I don’t know what started the war between them—and I don’t think that by the time I came along, over thirty years later, they remembered themselves what started it. This was no polite sparring match; this was total war. …

“Nothing in town escaped repercussion. The 300-year-old church, which had lived through the Revolution, the Civil War, and the Spanish War, almost went down when Grandma and Mrs. Wilcox fought the Battle of the Ladies’ Aid. Grandma won that engagement, but it was a hollow victory. Mrs. Wilcox, since she couldn’t be president, resigned [from the Aid] in a huff. What’s the fun of running a thing if you can’t force your enemy to eat crow? Mrs. Wilcox won the Battle of the Public Library, getting her niece, Gertrude, appointed librarian instead of Aunt Phyllis. The day Gertrude took over was the day Grandma stopped reading library books. They became ‘filthy germy things’ overnight. The Battle of the High School was a draw. The principal got a better job and left before Mrs. Wilcox succeeded in having him ousted or Grandma in having him given life tenure of office.

“When as children we visited my grandmother, part of the fun was making faces at Mrs. Wilcox’s grandchildren. One banner day we put a snake into the Wilcox rain barrel. My grandmother made token protests, but we sensed tacit sympathy.

“Don’t think for a minute that this was a one-sided campaign. Mrs. Wilcox had grandchildren, too. Grandma didn’t get off scot free. Never a windy washday went by that the clothesline didn’t mysteriously break, with the clothes falling in the dirt.

“I don’t know how Grandma could have borne her troubles so long if it hadn’t been for the household page of her daily Boston newspaper. This household page was a wonderful institution. Besides the usual cooking hints and cleaning advice, it had a department composed of letters from readers to each other. The idea was that if you had a problem—or even only some steam to blow off—you wrote a letter to the paper, signing some fancy name like Arbutus. That was Grandma’s pen name. Then some of the other ladies who had the same problem wrote back and told you what they had done about it, signing themselves One Who Knows or Xanthippe or whatever. Very often, the problem disposed of, you kept on for years writing to each other through the column of the paper, telling each other about your children and your canning and your new dining-room suite. That’s what happened to Grandma. She and a woman called Sea Gull corresponded for a quarter of a century. Sea Gull was Grandma’s true friend.

“When I was about sixteen, Mrs. Wilcox died. In a small town, no matter how much you have hated your next-door neighbor, it is only common decency to run over and see what practical service you can do the bereaved. Grandma, neat in a percale apron to show that she meant what she said about being put to work, crossed the lawn to the Wilcox house, where the Wilcox daughters set her to cleaning the already-immaculate front parlor for the funeral. And there on the parlor table in the place of honor was a huge scrapbook; and in the scrapbook, pasted neatly in parallel columns were Grandma’s letters to Sea Gull over the years and Sea Gull’s letters to her. Though neither woman had known it, Grandma’s worst enemy had been her best friend. That was the only time I remember seeing my grandmother cry. I didn’t know then exactly what she was crying about, but I do now. She was crying for all the wasted years which could never be salvaged.”10

May we resolve from this day forward to fill our hearts with love. May we go the extra mile to include in our lives any who are lonely or downhearted or who are suffering in any way. May we “[cheer] up the sad and [make] someone feel glad.”11 May we live so that when that final summons is heard, we may have no serious regrets, no unfinished business, but will be able to say with the Apostle Paul, “I have fought a good fight, I have finished my course, I have kept the faith.”12

Notes

1. John 11:25–26.

2. John 14:27.

3. Luke 23:46.

4. Minnie Louise Haskins, “The Gate of the Year,” in James Dalton Morrison, ed., Masterpieces of Religious Verse (1948), 92.

5. 1 Corinthians 15:3–8.

6. D&C 76:22–24.

7. Will L. Thompson, “Have I Done Any Good?” Hymns, no. 223.

8. Mosiah 2:17.

9. (New York: Stewart, Tabori & Chang, 1990), 34, 138.

10. “Grandma and the Seagull,” in Alice Arlen, She Took to the Woods: A Biography and Selected Writings of Louise Dickinson Rich (2000), 211–13.

11. Hymns, no. 223.

12. 2 Timothy 4:7.

Monday, July 14, 2008

The Living Christ: The Testimony of the Apostles

As we commemorate the birth of Jesus Christ two millennia ago, we offer our testimony of the reality of His matchless life and the infinite virtue of His great atoning sacrifice. None other has had so profound an influence upon all who have lived and will yet live upon the earth.

He was the Great Jehovah of the Old Testament, the Messiah of the New. Under the direction of His Father, He was the creator of the earth. “All things were made by him; and without him was not any thing made that was made” (John 1:3). Though sinless, He was baptized to fulfill all righteousness. He “went about doing good” (Acts 10:38), yet was despised for it. His gospel was a message of peace and goodwill. He entreated all to follow His example. He walked the roads of Palestine, healing the sick, causing the blind to see, and raising the dead. He taught the truths of eternity, the reality of our premortal existence, the purpose of our life on earth, and the potential for the sons and daughters of God in the life to come.

He instituted the sacrament as a reminder of His great atoning sacrifice. He was arrested and condemned on spurious charges, convicted to satisfy a mob, and sentenced to die on Calvary’s cross. He gave His life to atone for the sins of all mankind. His was a great vicarious gift in behalf of all who would ever live upon the earth.

We solemnly testify that His life, which is central to all human history, neither began in Bethlehem nor concluded on Calvary. He was the Firstborn of the Father, the Only Begotten Son in the flesh, the Redeemer of the world.

He rose from the grave to “become the firstfruits of them that slept” (1 Corinthians 15:20). As Risen Lord, He visited among those He had loved in life. He also ministered among His “other sheep” (John 10:16) in ancient America. In the modern world, He and His Father appeared to the boy Joseph Smith, ushering in the long-promised “dispensation of the fulness of times” (Ephesians 1:10).

Of the Living Christ, the Prophet Joseph wrote: “His eyes were as a flame of fire; the hair of his head was white like the pure snow; his countenance shone above the brightness of the sun; and his voice was as the sound of the rushing of great waters, even the voice of Jehovah, saying:

“I am the first and the last; I am he who liveth, I am he who was slain; I am your advocate with the Father” (D&C 110:3–4).

Of Him the Prophet also declared: “And now, after the many testimonies which have been given of him, this is the testimony, last of all, which we give of him: That he lives!

“For we saw him, even on the right hand of God; and we heard the voice bearing record that he is the Only Begotten of the Father—

“That by him, and through him, and of him, the worlds are and were created, and the inhabitants thereof are begotten sons and daughters unto God” (D&C 76:22–24).

We declare in words of solemnity that His priesthood and His Church have been restored upon the earth—“built upon the foundation of … apostles and prophets, Jesus Christ himself being the chief corner stone” (Ephesians 2:20).

We testify that He will someday return to earth. “And the glory of the Lord shall be revealed, and all flesh shall see it together” (Isaiah 40:5). He will rule as King of Kings and reign as Lord of Lords, and every knee shall bend and every tongue shall speak in worship before Him. Each of us will stand to be judged of Him according to our works and the desires of our hearts.

We bear testimony, as His duly ordained Apostles—that Jesus is the Living Christ, the immortal Son of God. He is the great King Immanuel, who stands today on the right hand of His Father. He is the light, the life, and the hope of the world. His way is the path that leads to happiness in this life and eternal life in the world to come. God be thanked for the matchless gift of His divine Son.

Monday, January 28, 2008

Passing of President Gordon B. Hinckley

Beloved Church President Gordon B. Hinckley, who led The Church of Jesus Christ of Latter-day Saints through 12 years of global expansion, has died at the age of 97. President Hinckley was the 15th president in the 177-year history of the Church and had served as its president since March 12, 1995.

Sunday, January 20, 2008

Apostle Urges Students to Use New Media



Elder M. Russell Ballard’s speech given at Brigham Young University-Hawaii’s graduation ceremony on 15 December 2007.

“We cannot stand on the sidelines while others, including our critics, attempt to define what the Church teaches,” he said.

“While some conversations have audiences in the thousands or even millions, most are much, much smaller. But all conversations have an impact on those who participate in them. Perceptions of the Church are established one conversation at a time.”

Church leaders have publicly expressed concern that while much of the recent extensive news reporting on the Church has been balanced and accurate, some has been trivial, distorted or without context.

Elder Ballard said there were too many conversations going on about the Church for Church representatives to respond to each individually, and that Church leaders “can’t answer every question, satisfy every inquiry and respond to every inaccuracy that exists.”

He said students should consider sharing their views on blogs, responding to online news reports and using the “new media” in other ways.

But he cautioned against arguing with others about their beliefs. “There is no need to become defensive or belligerent,” he said.