Many more people could ride out the storm-tossed waves in their economic lives if they had their year's supply of food…and were debt-free. Today we find that many have followed this counsel in reverse: they have at least a year's supply of debt and are food-free.

May I share with you a formula that in my judgment will help you and help me to journey well through mortality... First, fill your mind with truth; second, fill your life with service; and third, fill your heart with love.

Those who understand the eternal blessings which come from the temple know that no sacrifice is too great, no price too heavy, no struggle too difficult in order to receive those blessings.

Decisions determine destiny.

Dedicated missionary service returns a dividend of eternal joy which extends throughout mortality and into eternity.

Loving service anonymously given may be unknown to man-but the gift and the giver are known to God.

Courage is required to make an initial thrust toward one's coveted goal, but even greater courage is called for when one stumbles and must make a second effort to achieve. Have the determination to make the effort, the single-mindedne ss to work toward a worthy goal, and the courage not only to face the challenges that inevitably come but also to make a second effort, should such be required.