Whatever else the Book of Mormon makes clear, it makes clear that every soul in every dispensation is precious to God, and therefore no age or era was-or is-left without its witness of Christ.

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.

Believe in miracles. I have seen so many. They came when every indication would say that Hope was lost. Hope is never lost!

Don't do anything stupid.

In His own ministry, Jesus did not come to improve God's view of man nearly so much as He came to improve man's view of God and to plead with them to love their Heavenly Father as He has always and will always love them.

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.

If we teach by the Spirit and you listen by the Spirit, some one of us will touch on your circumstance, sending a personal prophetic epistle just to you.