How important are money management and finances in marriage and family affairs? Tremendously. The American Bar Association recently indicated that 89 percent of all divorces could be traced to quarrels and accusations over money. Another study estimated that 75 percent of all divorces result from clashes over finances. Some professional counselors indicated that four out of every five families wrestle with serious money problems.

I believe that in our own individual ways, God takes us to the grove or the mountain or the temple and there shows us the wonder of what His plan is for us. We may not see it as fully as Moses or Nephi or the brother of Jared did, but we see as much as need to see in order to know the Lord's will for us and to know that He loves us beyond mortal comprehension.

Our words, like our deeds, should be filled with faith and hope and charity, the three great Christian imperatives so desperately needed in the world today. With such words, spoken under the influence of the Spirit, tears can be dried, hearts can be healed, lives can be elevated, hope can return, confidence can prevail. ... May we all rejoice in the thought that when we say edifying, encouraging things unto the least of these, our brethren and sisters and little ones, we say it unto God.

When we come to worship the God and Father of us all and to partake of the sacrament symbolizing the Atonement of Jesus Christ, we should be as comely and respectful, as dignified and appropriate as we can be. We should be recognizable in appearance as well as in behavior that we truly are disciples of Christ.

Imperfect people are all god has ever had to work with. That must be terribly frustrating to him, but he deals with it. So should we.

When fleeing the scene of temptation, do not leave a forwarding address.

Missionary work isn't the only thing we need to do in this big, wide, wonderful Church. But almost everything else we need to do depends on people first hearing the gospel of Jesus Christ and coming into the faith. ... With all that there is to do along the path to eternal life, we need a lot more missionaries opening that gate and helping people through it.