I visit teach a lady who is a retired nurse. The clinic she worked at in Salt Lake did the trials for a product called Burn Free. She said it worked wonderfully in the clinical trials and strongly suggests keeping some in a first aid kit.
It comes in a bottle like calamine lotion and is a gel. Directions for use: Squirt gel directly on burn to completely cover burn. Cover with a non stick pad. Cover pad with something air tight, such as plastic. Do not touch for 24 hours. Repeat if necessary.
She said it worked wonderfully and she keeps two or three bottles of it around.
Tuesday, January 12, 2010
Wednesday, September 2, 2009
Shortage of food plus high prices?
I was reading today that the farmers in the Fresno area in California (they produce billions of dollars of food every year) have had their water supply cut by 90% in order to protect some supposedly endangered animal. I don't want to be a fear monger, but, in my estimation, food prices are going to start increasing dramatically. If you have a little extra money, I would strongly suggest stocking up on food. As a side note a shorage of sugar is being predicted because of the weather in areas the sugar canes and beets are grown.
Might be a good idea to get all the makings for square foot gardens and some seeds, in order to grow some of your own produce.
Might be a good idea to get all the makings for square foot gardens and some seeds, in order to grow some of your own produce.
Wednesday, June 17, 2009
Follow Up on the Flu Pandemic
After doing some research, I found out that the Flu Pandemic of 1918 started in the spring with mild symptoms and did not spread as quickly as it would later. By late fall or early winter, it was in full swing. Although, there is no way to predict whether this strain will do the same thing, the likelihood is fairly decent that it will spread much quicker in the more-conducive-to-spreading-germs fall/winter months. Many experts and governments are planning on this timetable. Anyway, that is my two cents.
Wednesday, June 3, 2009
Square Foot Gardening
I am not computer savvy enough to add the pictures. If you want to see what the gardens look like or want to get started right away go to the website listed at the bottom of the article.
SQUARE FOOT GARDENING No Weeding, No Digging, No Tilling, No Kidding! By Mel Bartholomew
"We encourage you to grow all the food that you feasibly can on your own property . . . Grow vegetables and eat them [fresh] from your own yard. Even those residing in apartments or condominiums can generally grow a little food in pots and planters. Study the best methods of providing your own foods. Make your garden . . . neat and attractive as well as productive. If there are children in your home, involve them in the process with assigned responsibilities." - Spencer W. Kimball, Essentials of Home Production .
What is Square Foot Gardening?
A simple, unique and versatile system that adapts to all levels of experience, physical ability, and geographical location. Grow all you want and need in only 20% of the space of a conventional row garden. Save time, water, work and money.
This week we're going to first talk about locating your garden, and next, we will review the 10 basic steps of Square Foot Gardening.
LOCATING YOUR GARDEN
The location of your vegetable/flower garden is very easy because it involves just 5 things. First, remember that a Square Foot Garden produces 100% of the harvest of a single row garden, but in only 20% of the space. That means 80% of the space in a single row garden is totally wasted and unnecessary. Yet, we used to fertilize, rototill, and weed, all of that unused, unnecessary space. Since the SFG takes up so little room, you have a much wider choice of where it can be located. Since you pay more attention to something close by, the best location is right next to your back door, as close to the kitchen as possible. That way, you'll see it, and appreciate it more often, as well as take better care of it. You'll harvest continually, and your SFG will prove more of a convenience and joy rather than the drudgery of work way out back, that always needs attention and weeding.
THE 5 ITEMS OF LOCATION
Pick an area that gets 6-9 hours of sunshine daily.
Stay clear of trees/shrubs where roots/shade may interfere.
Have it close to the house for convenience and protection.
Existing soil is not really important. You won't be using it.
Area must not puddle after a heavy rain.
THE TEN BASICS OF SQUARE FOOT GARDENING
LAYOUT – Arrange your garden in planting squares, not rows. Lay out 4 ft. by 4 ft. planting areas separated by 3 foot wide walking aisles.
BOXES – Build 4 ft by 4 ft by 6 in deep bottomless boxes to hold a special soil mix above ground.
SOIL –You don't dig up your existing ground, just remove any weeds or grass inside the box, lay down a weed cloth, then just fill boxes with a special soil mix: 1/3 compost (made from many different ingredients), 1/3 peat moss, 1/3 coarse vermiculite
GRID – Make a square foot grid for the top of each box to organize the garden for planting.
CARE – Never walk on the growing soil. Tend your garden from the aisles. Soil then stays loose and friable.
VERTICAL FRAME . – Build a sturdy vertical frame to train all vine crops to grow up to conserve ground space.
ELECT – Plant a different flower, vegetable, or herb crop in each square foot, using spacing of 1, 4, 9 or 16 plants per square foot. Crop rotation happens automatically thereafter.
PLANT – Conserve seeds. Plant only a pinch (2 or 3 seeds) per hole. or place transplants in a slight saucer-shaped depression. Plant only what you will use during each season. No waste. from overplanting
WATER – Nurture plants by watering by hand from a bucket of sun-warmed water (hose or drip system okay).
HARVEST – When you finish harvesting a square foot, add a handful of compost to replenish nutrients and replant with a new and different crop.
THE ADVANTAGES OF SQUARE FOOT GARDENING in percentages
In conclusion, a Square Foot Garden takes only
20% of the space 10% of the water 5% of the seeds 2% of the work
and there are no weeds in Square Foot Gardening.
Give it a try. You won't be disappointed. It is truly the simplest, easiest, most productive method known.
You can go to the web-site or read up in the ALL NEW Square Foot Gardening Book, the largest selling gardening book in America, Ever.
Official SFG Website: www.squarefootgardening.com
SQUARE FOOT GARDENING No Weeding, No Digging, No Tilling, No Kidding! By Mel Bartholomew
"We encourage you to grow all the food that you feasibly can on your own property . . . Grow vegetables and eat them [fresh] from your own yard. Even those residing in apartments or condominiums can generally grow a little food in pots and planters. Study the best methods of providing your own foods. Make your garden . . . neat and attractive as well as productive. If there are children in your home, involve them in the process with assigned responsibilities." - Spencer W. Kimball, Essentials of Home Production .
What is Square Foot Gardening?
A simple, unique and versatile system that adapts to all levels of experience, physical ability, and geographical location. Grow all you want and need in only 20% of the space of a conventional row garden. Save time, water, work and money.
This week we're going to first talk about locating your garden, and next, we will review the 10 basic steps of Square Foot Gardening.
LOCATING YOUR GARDEN
The location of your vegetable/flower garden is very easy because it involves just 5 things. First, remember that a Square Foot Garden produces 100% of the harvest of a single row garden, but in only 20% of the space. That means 80% of the space in a single row garden is totally wasted and unnecessary. Yet, we used to fertilize, rototill, and weed, all of that unused, unnecessary space. Since the SFG takes up so little room, you have a much wider choice of where it can be located. Since you pay more attention to something close by, the best location is right next to your back door, as close to the kitchen as possible. That way, you'll see it, and appreciate it more often, as well as take better care of it. You'll harvest continually, and your SFG will prove more of a convenience and joy rather than the drudgery of work way out back, that always needs attention and weeding.
THE 5 ITEMS OF LOCATION
Pick an area that gets 6-9 hours of sunshine daily.
Stay clear of trees/shrubs where roots/shade may interfere.
Have it close to the house for convenience and protection.
Existing soil is not really important. You won't be using it.
Area must not puddle after a heavy rain.
THE TEN BASICS OF SQUARE FOOT GARDENING
LAYOUT – Arrange your garden in planting squares, not rows. Lay out 4 ft. by 4 ft. planting areas separated by 3 foot wide walking aisles.
BOXES – Build 4 ft by 4 ft by 6 in deep bottomless boxes to hold a special soil mix above ground.
SOIL –You don't dig up your existing ground, just remove any weeds or grass inside the box, lay down a weed cloth, then just fill boxes with a special soil mix: 1/3 compost (made from many different ingredients), 1/3 peat moss, 1/3 coarse vermiculite
GRID – Make a square foot grid for the top of each box to organize the garden for planting.
CARE – Never walk on the growing soil. Tend your garden from the aisles. Soil then stays loose and friable.
VERTICAL FRAME . – Build a sturdy vertical frame to train all vine crops to grow up to conserve ground space.
ELECT – Plant a different flower, vegetable, or herb crop in each square foot, using spacing of 1, 4, 9 or 16 plants per square foot. Crop rotation happens automatically thereafter.
PLANT – Conserve seeds. Plant only a pinch (2 or 3 seeds) per hole. or place transplants in a slight saucer-shaped depression. Plant only what you will use during each season. No waste. from overplanting
WATER – Nurture plants by watering by hand from a bucket of sun-warmed water (hose or drip system okay).
HARVEST – When you finish harvesting a square foot, add a handful of compost to replenish nutrients and replant with a new and different crop.
THE ADVANTAGES OF SQUARE FOOT GARDENING in percentages
In conclusion, a Square Foot Garden takes only
20% of the space 10% of the water 5% of the seeds 2% of the work
and there are no weeds in Square Foot Gardening.
Give it a try. You won't be disappointed. It is truly the simplest, easiest, most productive method known.
You can go to the web-site or read up in the ALL NEW Square Foot Gardening Book, the largest selling gardening book in America, Ever.
Official SFG Website: www.squarefootgardening.com
Friday, May 15, 2009
Preparing for Flu Pandemics
Some info about Flu Pandemics
1. The first wave of flu is generally mild, but is followed by second and third waves that are harsher and deadlier. On average, the second wave comes six months later.
2. Incubation period is 1-4 days.
3. Quarantines work to stop the flu in its tracks.
4. Rural areas survive best.
5. Avoid all public gatherings.
6, Infrastructure will fail. The people who run it will be staying home too.
7. Multiple emergencies can happen at the same time. (ice storms, hurricanes, earthquakes, etc.)
8. Few schools or places of work have an emergency plan in place such as homework to send home with kids to do during quarantine.
9. Majority of deaths are caused by dehydration and related illnesses such as pneumonia.
How to Prepare for a Flu Pandemic
a. Have copies of medical records. Doctors may be working from home and not have access to records.
b. Have a three-month supply of foods you normally eat. Store water.
c. Store basic medical supplies to fight symptoms of the flu. (Headache, cough, stomach issues, etc.) Also disposable gloves, masks etc.
d. Teach family proper hygiene habits and practice them.
e. Prepare to live without electricity and clean source of water. (Paper plates, cups, plastic utensils and hand sanitizers could cut down need for water.)
f. Supply of foods and drinks for those ill or recovering from flu.
g. Have entertainment items on hand such as books, games, crafts, batteries and so on.
h. Do not panic.
1. The first wave of flu is generally mild, but is followed by second and third waves that are harsher and deadlier. On average, the second wave comes six months later.
2. Incubation period is 1-4 days.
3. Quarantines work to stop the flu in its tracks.
4. Rural areas survive best.
5. Avoid all public gatherings.
6, Infrastructure will fail. The people who run it will be staying home too.
7. Multiple emergencies can happen at the same time. (ice storms, hurricanes, earthquakes, etc.)
8. Few schools or places of work have an emergency plan in place such as homework to send home with kids to do during quarantine.
9. Majority of deaths are caused by dehydration and related illnesses such as pneumonia.
How to Prepare for a Flu Pandemic
a. Have copies of medical records. Doctors may be working from home and not have access to records.
b. Have a three-month supply of foods you normally eat. Store water.
c. Store basic medical supplies to fight symptoms of the flu. (Headache, cough, stomach issues, etc.) Also disposable gloves, masks etc.
d. Teach family proper hygiene habits and practice them.
e. Prepare to live without electricity and clean source of water. (Paper plates, cups, plastic utensils and hand sanitizers could cut down need for water.)
f. Supply of foods and drinks for those ill or recovering from flu.
g. Have entertainment items on hand such as books, games, crafts, batteries and so on.
h. Do not panic.
Monday, February 16, 2009
Meals Ready to Eat (MREs)
So as reported previously, we invested in 10 MREs for our food storage. Although, I carried one around with me almost everywhere I went (in my emergency bag), I had never actually tasted one. So today, I took the plunge and decided to try one Chicken Salsa MRE. It was pretty good, but not an entire meal by itself. Contrary to what the name implies, it is only the entree portion of a meal. You can also buy desserts, side dishes, etc that would make an entire meal. But in a pinch, it would do just fine. Actually here is what Karey and I would have for lunch in an emergency.
One Chicken Salsa MRE and one Clif Bar Energy Bar.
An MRE does not need to be heated, but they will generally taste better if they are heated. I put mine in boiling water.
Other methods of heating them mentioned on the website, include heating it on a hot car engine or in the sun. This is what it looked like, half eaten.
In an emergency situation, Karey and I would have almost normal meals with little or no preparation.
One Chicken Salsa MRE and one Clif Bar Energy Bar.
An MRE does not need to be heated, but they will generally taste better if they are heated. I put mine in boiling water.
Other methods of heating them mentioned on the website, include heating it on a hot car engine or in the sun. This is what it looked like, half eaten.
In an emergency situation, Karey and I would have almost normal meals with little or no preparation.
Sunday, February 15, 2009
Excellent Talk by President Hinckley About Preparedness
I was talking to Mom and Dad the other day, when they mentioned this talk. I went searching for it and found it. This is the second half of a talk given by President Hinckley in October 1998. I thought that it was not only prophetic, but also very applicable in our day.
"Now, brethren, I should like to talk to the older men, hoping that there will be some lesson for the younger men as well.
I wish to speak to you about temporal matters.
As a backdrop for what I wish to say, I read to you a few verses from the 41st chapter of Genesis.
Pharaoh, the ruler of Egypt, dreamed dreams which greatly troubled him. The wise men of his court could not give an interpretation. Joseph was then brought before him: “Pharaoh said unto Joseph, In my dream, behold, I stood upon the bank of the river:
“And, behold, there came up out of the river seven kine, fatfleshed and well favoured; and they fed in a meadow:
“And, behold, seven other kine came up after them, poor and very ill favoured and leanfleshed. …
“And the lean and the ill favoured kine did eat up the first seven fat kine: …
“And I saw in my dream … seven ears came up in one stalk, full and good:
“And, behold, seven ears, withered, thin, and blasted with the east wind, sprung up after them:
“And the thin ears devoured the seven good ears: …
“And Joseph said unto Pharaoh, … God hath shewed Pharaoh what he is about to do.
“The seven good kine are seven years; and the seven good ears are seven years: the dream is one. …
“… What God is about to do he sheweth unto Pharaoh.
“Behold, there come seven years of great plenty throughout all the land of Egypt:
“And there shall arise after them seven years of famine;
“… And God will shortly bring it to pass” (Gen. 41:17–20, 22–26, 28–30, 32).
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.
We have witnessed in recent weeks wide and fearsome swings in the markets of the world. The economy is a fragile thing. A stumble in the economy in Jakarta or Moscow can immediately affect the entire world. It can eventually reach down to each of us as individuals. There is a portent of stormy weather ahead to which we had better give heed.
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. In March 1997 that debt totaled $1.2 trillion, which represented a 7 percent increase over the previous year.
In December of 1997, 55 to 60 million households in the United States carried credit card balances. These balances averaged more than $7,000 and cost $1,000 per year in interest and fees. Consumer debt as a percentage of disposable income rose from 16.3 percent in 1993 to 19.3 percent in 1996.
Everyone knows that every dollar borrowed carries with it the penalty of paying interest. When money cannot be repaid, then bankruptcy follows. There were 1,350,118 bankruptcies in the United States last year. This represented a 50 percent increase from 1992. In the second quarter of this year, nearly 362,000 persons filed for bankruptcy, a record number for a three-month period.
We are beguiled by seductive advertising. Television carries the enticing invitation to borrow up to 125 percent of the value of one’s home. But no mention is made of interest.
President J. Reuben Clark Jr., in the April 1938 general conference, said from this pulpit: “Once in debt, interest is your companion every minute of the day and night; you cannot shun it or slip away from it; you cannot dismiss it; it yields neither to entreaties, demands, or orders; and whenever you get in its way or cross its course or fail to meet its demands, it crushes you” (in Conference Report, Apr. 1938, 103).
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.
Since the beginnings of the Church, the Lord has spoken on this matter of debt. To Martin Harris through revelation He said: “Pay the debt thou hast contracted with the printer. Release thyself from bondage” (D&C 19:35).
President Heber J. Grant spoke repeatedly on this matter from this pulpit. He said: “If there is any one thing that will bring peace and contentment into the human heart, and into the family, it is to live within our means. And if there is any one thing that is grinding and discouraging and disheartening, it is to have debts and obligations that one cannot meet” (Gospel Standards, comp. G. Homer Durham [1941], 111).
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.
One of the happiest days in the life of President Joseph F. Smith was the day the Church paid off its long-standing indebtedness.
What a wonderful feeling it is to be free of debt, to have a little money against a day of emergency put away where it can be retrieved when necessary.
President Faust would not tell you this himself. Perhaps I can tell it, and he can take it out on me afterward. He had a mortgage on his home drawing 4 percent interest. Many people would have told him he was foolish to pay off that mortgage when it carried so low a rate of interest. But the first opportunity he had to acquire some means, he and his wife determined they would pay off their mortgage. He has been free of debt since that day. That’s why he wears a smile on his face, and that’s why he whistles while he works.
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."
"Now, brethren, I should like to talk to the older men, hoping that there will be some lesson for the younger men as well.
I wish to speak to you about temporal matters.
As a backdrop for what I wish to say, I read to you a few verses from the 41st chapter of Genesis.
Pharaoh, the ruler of Egypt, dreamed dreams which greatly troubled him. The wise men of his court could not give an interpretation. Joseph was then brought before him: “Pharaoh said unto Joseph, In my dream, behold, I stood upon the bank of the river:
“And, behold, there came up out of the river seven kine, fatfleshed and well favoured; and they fed in a meadow:
“And, behold, seven other kine came up after them, poor and very ill favoured and leanfleshed. …
“And the lean and the ill favoured kine did eat up the first seven fat kine: …
“And I saw in my dream … seven ears came up in one stalk, full and good:
“And, behold, seven ears, withered, thin, and blasted with the east wind, sprung up after them:
“And the thin ears devoured the seven good ears: …
“And Joseph said unto Pharaoh, … God hath shewed Pharaoh what he is about to do.
“The seven good kine are seven years; and the seven good ears are seven years: the dream is one. …
“… What God is about to do he sheweth unto Pharaoh.
“Behold, there come seven years of great plenty throughout all the land of Egypt:
“And there shall arise after them seven years of famine;
“… And God will shortly bring it to pass” (Gen. 41:17–20, 22–26, 28–30, 32).
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.
We have witnessed in recent weeks wide and fearsome swings in the markets of the world. The economy is a fragile thing. A stumble in the economy in Jakarta or Moscow can immediately affect the entire world. It can eventually reach down to each of us as individuals. There is a portent of stormy weather ahead to which we had better give heed.
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. In March 1997 that debt totaled $1.2 trillion, which represented a 7 percent increase over the previous year.
In December of 1997, 55 to 60 million households in the United States carried credit card balances. These balances averaged more than $7,000 and cost $1,000 per year in interest and fees. Consumer debt as a percentage of disposable income rose from 16.3 percent in 1993 to 19.3 percent in 1996.
Everyone knows that every dollar borrowed carries with it the penalty of paying interest. When money cannot be repaid, then bankruptcy follows. There were 1,350,118 bankruptcies in the United States last year. This represented a 50 percent increase from 1992. In the second quarter of this year, nearly 362,000 persons filed for bankruptcy, a record number for a three-month period.
We are beguiled by seductive advertising. Television carries the enticing invitation to borrow up to 125 percent of the value of one’s home. But no mention is made of interest.
President J. Reuben Clark Jr., in the April 1938 general conference, said from this pulpit: “Once in debt, interest is your companion every minute of the day and night; you cannot shun it or slip away from it; you cannot dismiss it; it yields neither to entreaties, demands, or orders; and whenever you get in its way or cross its course or fail to meet its demands, it crushes you” (in Conference Report, Apr. 1938, 103).
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.
Since the beginnings of the Church, the Lord has spoken on this matter of debt. To Martin Harris through revelation He said: “Pay the debt thou hast contracted with the printer. Release thyself from bondage” (D&C 19:35).
President Heber J. Grant spoke repeatedly on this matter from this pulpit. He said: “If there is any one thing that will bring peace and contentment into the human heart, and into the family, it is to live within our means. And if there is any one thing that is grinding and discouraging and disheartening, it is to have debts and obligations that one cannot meet” (Gospel Standards, comp. G. Homer Durham [1941], 111).
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.
One of the happiest days in the life of President Joseph F. Smith was the day the Church paid off its long-standing indebtedness.
What a wonderful feeling it is to be free of debt, to have a little money against a day of emergency put away where it can be retrieved when necessary.
President Faust would not tell you this himself. Perhaps I can tell it, and he can take it out on me afterward. He had a mortgage on his home drawing 4 percent interest. Many people would have told him he was foolish to pay off that mortgage when it carried so low a rate of interest. But the first opportunity he had to acquire some means, he and his wife determined they would pay off their mortgage. He has been free of debt since that day. That’s why he wears a smile on his face, and that’s why he whistles while he works.
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."
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