Monday, March 30, 2009

Oh how wise our prophets

"You and I as members of his audience choose whether to understand him as an out-of-touch old man still living in the Great Depression, or as a wise man giving us good advice based on years of experience, or as a prophet telling us how we fit into the cosmos"
-Jonathan Green, timesandseasons.org

To the boys and to the Men

President Gordon B. Hinkley, Priesthood Session, October 1998

In speaking on the state of the world if young men kept to the standards taught in the church:

"There would be no lives wasted with drugs. There would be no gangs with children killing children and young men headed either for prison or death. Education would become a prize worth working for. Service in the Church would become an opportunity to be cherished. There would be greater peace and love in the homes of the people. There would be no viewing of pornography, no reading of sleazy literature. You would honor and respect the girls with whom you associate, and they would never have any fear about being alone with you in any set of circumstances. It would be as if the stripling warriors of Helaman had recruited the youth of the world to their way of living."


After reading Joseph's interpretation of Pharaoh's dream, 7 years of plenty, 7 years of famine:


"Now, brethren, I want to make it very clear that I am not prophesying, that I am not predicting years of famine in the future. But I am suggesting that the time has come to get our houses in order. So many of our people are living on the very edge of their incomes. In fact, some are living on borrowings."
...

"I hope with all my heart that we shall never slip into a depression. I am a child of the Great Depression of the thirties. I finished the university in 1932, when unemployment in this area exceeded 33 percent.

"My father was then president of the largest stake in the Church in this valley. It was before our present welfare program was established. He walked the floor worrying about his people. He and his associates established a great wood-chopping project designed to keep the home furnaces and stoves going and the people warm in the winter. They had no money with which to buy coal. Men who had been affluent were among those who chopped wood.

"I repeat, I hope we will never again see such a depression. But I am troubled by the huge consumer installment debt which hangs over the people of the nation, including our own people."

...

"I recognize that it may be necessary to borrow to get a home, of course. But let us buy a home that we can afford and thus ease the payments which will constantly hang over our heads without mercy or respite for as long as 30 years.

"No one knows when emergencies will strike. I am somewhat familiar with the case of a man who was highly successful in his profession. He lived in comfort. He built a large home. Then one day he was suddenly involved in a serious accident. Instantly, without warning, he almost lost his life. He was left a cripple. Destroyed was his earning power. He faced huge medical bills. He had other payments to make. He was helpless before his creditors. One moment he was rich, the next he was broke."

...

"We are carrying a message of self-reliance throughout the Church. Self-reliance cannot obtain when there is serious debt hanging over a household. One has neither independence nor freedom from bondage when he is obligated to others.

"In managing the affairs of the Church, we have tried to set an example. We have, as a matter of policy, stringently followed the practice of setting aside each year a percentage of the income of the Church against a possible day of need.

"I am grateful to be able to say that the Church in all its operations, in all its undertakings, in all of its departments, is able to function without borrowed money. If we cannot get along, we will curtail our programs. We will shrink expenditures to fit the income. We will not borrow."

...

"I urge you, brethren, to look to the condition of your finances. I urge you to be modest in your expenditures; discipline yourselves in your purchases to avoid debt to the extent possible. Pay off debt as quickly as you can, and free yourselves from bondage.

"This is a part of the temporal gospel in which we believe. May the Lord bless you, my beloved brethren, to set your houses in order. If you have paid your debts, if you have a reserve, even though it be small, then should storms howl about your head, you will have shelter for your wives and children and peace in your hearts. That's all I have to say about it, but I wish to say it with all the emphasis of which I am capable."


Friday, March 13, 2009

"Mormons" taking advantage of Mormons

This is an interesting commentary on a situation mainly in California of a Mormon acting in a Bernie Madoff way, swindling other Mormons out of millions.
I really like the author's conclusion:
"Dating all the way back to my undergrad years at BYU, I have made it a matter of standing policy that whenver anyone tries to get money from me (selling me something, investing, etc.) and brings the Church or related issues into it, my response is an automatic and irrevocable “No.” Any appeal to Church membership, Church authorities, personal claimed worthiness (”When I was in the temple the other day…”), etc., is a big red flag that the pitch being made cannot stand on its own merits.
The sad thing is that most Mormons are honest in their dealings with others, including their fellow Mormons. Tthat’s what makes the occasional fraud like this both effective and devestating. Those who take advantage of that trust are truly wolves in sheep’s clothing. Like the moneychangers in at the temple in Jerusalem, they turn the house of God into a den of thieves — but, unlike the moneychangers, they do so having sworn a solemn oath to take Christ’s name upon themselves. I for one would not want to be in their shoes when they face the Savior’s wrath."
I have always followed somewhat of the same policy.
My application in the same vein is that, as a general rule, I will try to never do paid remodeling/house building for anyone that I am related to. I just don't even want to introduce the possibility of souring a good relationship over business, it's just not worth it.
The same thing goes for a lot of things.
When Curt was first starting out in the financial industry (this was while we were engaged), he briefly (as in just a couple months) worked with a commision based financial advising group. We both felt like working with family members was not the thing to do. And yet, that is really what those kind of businesses are geared towards, start with your family and friends. So we discussed it and he quit.
I guess the conclusions that I come to are:
1) even though I deal as honest and uprightly as I can, I don't want to deal with people I have family or religious relations with, and...
2) I think that people who try to use family or religious relations as a basis for drumming up business are treading a potentially treacherous line.