My beloved brothers and sisters, to those of you who have been blessed by the gospel for many years because you were fortunate enough to find it early, to those of you who have come to the gospel by stages and phases later, and to those of you-members and not yet members-who may still be hanging back, to each of you, one and all, I testify of the renewing power of God’s love and the miracle of His grace. His concern is for the faith at which you finally arrive, not the hour of the day in which you got there.

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.

Jesus has chosen, even in a resurrected, otherwise perfected body, to retain for the benefit of His disciples the wounds in His hands and in His feet and in His side-signs, if you will, that painful things happen even to the pure and the perfect; signs, if you will, that pain in this world is not evidence that God doesn't love you; signs, if you will, that problems pass and happiness can be ours.

Some blessings come soon, some come late, and some don't come until heaven; but for those who embrace the gospel of Jesus Christ, they come.

There is a line from Dante that says, "The arrow seen before cometh less rudely." President John F. Kennedy put one aspect of the same thought into one of his state of the union messages this way: "The time to repair the roof is when the sun is shining." The Boy Scouts say it best of all: "Be prepared." That isn't just cracker-barrel wisdom with us; it is theology. "If ye are prepared ye shall not fear." (D&C 38:30)

Please know that your Father in Heaven loves you and so does His Only Begotten Son. When they speak to you--and They will--it will not be in the wind, nor in the earthquake, nor in the fire, but it will be with a voice still and small, a voice tender and kind. It will be with the tongue of angels.

He has, He reminds us, "graven thee upon the palms of my hands" (1 Nephi 21:16). Considering the incomprehensible cost of the Crucifixion, Christ is not going to turn His back on us now.