Saturday, June 28, 2014

The Lord's Covenant People and the Gathering of the House of Israel


Covenants
"From the beginning, the Lord has made covenants with His children on earth. When His people make covenants (or promises) with Him, they know what He expects of them and what blessings they may expect from Him. They can better carry out His work on earth. The people who covenant with the Lord and with whom the Lord makes covenants are known as the Lord’s covenant people. Members of the Church are part of the Lord’s covenant people.

"Within the gospel, a covenant means a sacred agreement or mutual promise between God and a person or a group of people. In making a covenant, God promises a blessing for obedience to particular commandments. He sets the terms of His covenants, and He reveals these terms to His prophets. If we choose to obey the terms of the covenant, we receive promised blessings. If we choose not to obey, He withholds the blessings, and in some instances a penalty also is given.

"For example, when we join the Church we make several covenants with God. We covenant with the Savior at baptism to take upon ourselves His name. He promises that “as many as repent and are baptized in my name, which is Jesus Christ, and endure to the end, the same shall be saved” (D&C 18:22). We covenant with the Lord as we partake of the sacrament. We promise to take His name upon ourselves, to remember Him, and to obey His commandments. We are promised that the Holy Spirit will be with us. (See D&C 20:77–79.) When we receive temple ordinances, we make other sacred covenants and are promised exaltation for faithful obedience (see D&C 132).

"God has also made special covenants with particular persons or groups. He made special covenants with Adam, Enoch, Noah, the children of Israel, and Lehi (see Moses 6:31–36, 52; Genesis 9:9–17; Exodus 19:5–6; 2 Nephi 1). He made a special covenant with Abraham and his descendants that blesses members of the Church and all nations of the earth today" (Gospel Principles, The Lord's Covenant People).

Q What is a covenant? Why does God want us to make covenants with Him?

Q How do we learn about and experience God’s power as we make and keep covenants with God? 

God's Covenant with Abraham
"Abraham, an Old Testament prophet, was a very righteous man.... He refused to worship his father’s idols. He kept all of the Lord’s commandments. Because of Abraham’s righteousness, the Lord made a covenant with him and his descendants.

"The Lord promised Abraham that he would have numberless descendants. He promised that all of them would be entitled to receive the gospel, the blessings of the priesthood, and all of the ordinances of exaltation. These descendants, through the power of the priesthood, would carry the gospel to all nations. Through them, all the families of the earth would be blessed (see Abraham 2:11). God further promised that if they were righteous He would establish His covenant with all generations of Abraham’s children (see Genesis 17:4–8).

"The blood descendants of Abraham are not the only people whom God calls His covenant people. In speaking to Abraham, God said, “As many as receive this Gospel shall be called after thy name, and shall be accounted thy seed [lineage], and shall rise up and bless thee, as their father” (Abraham 2:10). Thus, two groups of people are included in the covenant made with Abraham: (1) Abraham’s righteous blood descendants and (2) those adopted into his lineage by accepting and living the gospel of Jesus Christ (see 2 Nephi 30:2).

"When we are baptized into the Church, we enter into the covenant the Lord made with Abraham, Isaac, and Jacob (see Galatians 3:26–29). If we are obedient, we inherit the blessings of that covenant. We have the right to receive help and guidance from the Holy Ghost. Worthy males have the right to hold the priesthood. Families can receive the blessings of the priesthood. We can gain eternal life in the celestial kingdom. There are no greater blessings than these" (Gospel Principles, The Lord's Covenant People).

Q What are the blessings of the Abrahamic covenant?

Q How can we receive the blessings of the Abrahamic covenant?

Q How will all nations of the earth be blessed as we keep the covenants we have made with God? (Consider how this question applies in different settings, such as at home, in the workplace, in the community, or as missionaries.)

The Scattering of the House of Israel
"Jacob was a great prophet who lived hundreds of years before the time of Christ. Because Jacob was faithful, the Lord gave him the special name of Israel, which means “one who prevails with God” or “let God prevail” (Bible Dictionary, “Israel,” 708). Jacob had twelve sons. These sons and their families became known as the twelve tribes of Israel, or Israelites (see Genesis 49:28). Jacob was a grandson of Abraham. The Lord made an everlasting covenant with Abraham that was renewed with Isaac and with Jacob and his children....

"Again and again prophets of the Lord warned the house of Israel what would happen if they were wicked. Moses prophesied, “And the Lord shall scatter thee among all people, from the one end of the earth even unto the other” (Deuteronomy 28:64).

"Despite this warning, the Israelites consistently broke the commandments of God. They fought among themselves and split into two kingdoms: the Northern Kingdom, called the kingdom of Israel, and the Southern Kingdom, called the kingdom of Judah. Ten of the twelve tribes of Israel lived in the Northern Kingdom. During a war they were conquered by their enemies and carried away into captivity. Some of them later escaped into the lands of the north and became lost to the rest of the world.

"About 100 years after the capture of the Northern Kingdom, the Southern Kingdom was conquered. The capital city of Jerusalem was destroyed in 586 B.C., and many members of the remaining two tribes of Israel were taken captive. Later, some of the members of these tribes returned and rebuilt Jerusalem. Just before Jerusalem was destroyed, Lehi and his family, who were members of the house of Israel, left the city and settled in the Americas.

"After the time of Christ, Jerusalem was again destroyed, this time by Roman soldiers. The Jews were scattered over much of the world. Today Israelites are found in all countries of the world. Many of these people do not know that they are descended from the ancient house of Israel" (Gospel Principles, The Gathering of the House of Israel).

The House of Israel Must Be Gathered
"The Lord promised that His covenant people would someday be gathered: “I will gather the remnant of my flock out of all countries whither I have driven them” (Jeremiah 23:3).

"God gathers His children through missionary work. As people come to a knowledge of Jesus Christ, receiving the ordinances of salvation and keeping the associated covenants, they become “the children of the covenant” (3 Nephi 20:26). He has important reasons for gathering His children. He gathers them so they can learn the teachings of the gospel and prepare themselves to meet the Savior when He comes again. He gathers them so they will build temples and perform sacred ordinances for ancestors who have died without having this opportunity. He gathers them so they can strengthen one another and be unified in the gospel, finding protection from unrighteous influences in the world. He also gathers them so they can prepare themselves to share the gospel with others" (Gospel Principles, the Gathering of the House of Israel).

Q Why does the Lord want the House of Israel to be gathered?

"The power and authority to direct the work of gathering the house of Israel was given to Joseph Smith by the prophet Moses, who appeared in 1836 in the Kirtland Temple (see D&C 110:11). Since that time, each prophet has held the keys for the gathering of the house of Israel, and this gathering has been an important part of the Church’s work. The covenant people are now being gathered as they accept the restored gospel and serve the God of Abraham, Isaac, and Jacob (see Deuteronomy 30:1–5).

"The Israelites are to be gathered spiritually first and then physically. They are gathered spiritually as they join The Church of Jesus Christ of Latter-day Saints and make and keep sacred covenants. This spiritual gathering began during the time of the Prophet Joseph Smith and continues today all over the world. Converts to the Church are Israelites either by blood or adoption. They belong to the family of Abraham and Jacob (see Abraham 2:9–11; Galatians 3:26–29)....

"The physical gathering of Israel means that the covenant people will be “gathered home to the lands of their inheritance, and shall be established in all their lands of promise” (2 Nephi 9:2). The tribes of Ephraim and Manasseh will be gathered in the Americas. The tribe of Judah will return to the city of Jerusalem and the area surrounding it. The ten lost tribes will receive from the tribe of Ephraim their promised blessings (see D&C 133:26–34).

"When the Church was first established, the Saints were instructed to gather in Ohio, then Missouri, and then the Salt Lake Valley. Today, however, modern prophets have taught that Church members are to build up the kingdom of God in their own lands. Elder Russell M. Nelson said: “The choice to come unto Christ is not a matter of physical location; it is a matter of individual commitment. People can be ‘brought to the knowledge of the Lord’ [3 Nephi 20:13] without leaving their homelands. True, in the early days of the Church, conversion often meant emigration as well. But now the gathering takes place in each nation. … The place of gathering for Brazilian Saints is in Brazil; the place of gathering for Nigerian Saints is in Nigeria; the place of gathering for Korean Saints is in Korea; and so forth. Zion is ‘the pure in heart.’ [D&C 97:21.] Zion is wherever righteous Saints are” (in Conference Report, Oct. 2006, 85; or Ensign, Nov. 2006, 81).

"The physical gathering of Israel will not be complete until the Second Coming of the Savior and on into the Millennium (see Joseph Smith—Matthew 1:37) " (Gospel Principles, the Gathering of the House of Israel).

Q How will the Lord gather the House of Israel?

Q What blessings have you received by being gathered with the House of Israel? What are some potential blessings for being gathered?

Q How can we help with the gathering of the House of Israel?


Thursday, June 19, 2014

Managing Personal and Family Finances

Source


Proper financial management is essential for a happy marriage and a commandment from modern day prophets
"Latter-day Saints have been counseled for many years to prepare for adversity by having a little money set aside. Doing so adds immeasurably to security and well-being. Every family has a responsibility to provide for its own needs to the extent possible.

"We encourage you wherever you may live in the world to prepare for adversity by looking to the condition of your finances. We urge you to be modest in your expenditures; discipline yourselves in your purchases to avoid debt. Pay off debt as quickly as you can, and free yourselves from this bondage. Save a little money regularly to gradually build a financial reserve.

"If you have paid your debts and have a financial reserve, even though it be small, you and your family will feel more secure and enjoy greater peace in your hearts" (The First Presidency, All if Safely Gathered In).

1. I am satisfied that money is the root of more trouble in marriage than all other causes combined” (Gordon B. Hinckley, Cornerstones of a Happy Home, 8).

2. "I would like to share with you today are my observations about the constant and fundamental principles which, if followed, will bring financial security and peace of mind under any economic circumstances" (N. Eldon Tanner, October 1979 General Conference).

We will cover the principles taught by President Tanner in this lesson. I have read several books on personal/family financial management and this set of principles by President Tanner are by far the most complete.

Develop and live within a budget.
1)     Track your spending.
2)     Make a budget: set goals for future spending, including short, medium, and long term expenses
3)     Regularly review how well you are following your budget and what you can improve on.
4)     Find ways to make it easier to follow your budget.

Q What are some different ways we can make a budget and track spending?
Q How can we plan and save for medium and long term expenses?
Q What are some things you've found that make it easier to follow your budget? How do you know when to stop spending money?
·         Money in envelopes, post and update budget on the fridge so all family members can see, receipt jar, review budget before shopping

Q How has making and following a budget together strengthened your marriage? your family?
·         Determine together what our family truly values and sacrifice less important things for more important things.

Remember to involve your children in budget creation and review:

3. “We should regularly review our family income, savings, and spending plan in family council meetings. This will teach our children to recognize the difference between wants and needs and to plan ahead for meaningful use of family resources. When our boys were young, we had a family council and set a goal to take a “dream vacation” down the Colorado River. When any of us wanted to buy something during the next year, we would ask each other, “Do we really want to buy that thing now, or do we want to take our dream trip later?” This was a wonderful teaching experience in choosing provident living. By not satisfying our every immediate want, we obtained the more desirable reward of family togetherness and fond memories for years to come. Whenever we want to experience or possess something that will impact us and our resources, we may want to ask ourselves, “Is the benefit temporary, or will it have eternal value and significance?” Truthfully answering these questions may help us avoid excessive debt and other addictive behavior” (Robert D. Hales, “Becoming Provident Providers Temporally and Spiritually,” Ensign, May 2009, 7–10).

Pay an honest tithing.
4. "The Lord promises blessings to those who pay their tithing. He promises to “open … the windows of heaven, and pour … out a blessing, that there shall not be room enough to receive it” (Malachi 3:10). I testify that He fulfills His promises, and if we faithfully pay our tithing, we will not lack for the necessities of life...  He blesses us with wisdom to manage our limited material resources, wisdom that enables us to live better with 90 percent of our income than with 100 percent" (Carl B. Pratt, April 2011 General Conference).

Q How has the paying tithing helped you to better manage your finances?

Live on less than you earn.
5. “I have discovered that there is no way that you can ever earn more than you can spend. I am convinced that it is not the amount of money an individual earns that brings peace of mind as much as it is having control of his money. Money can be an obedient servant but a harsh taskmaster. Those who structure their standard of living to allow a little surplus, control their circumstances. Those who spend a little more than they earn are controlled by their circumstances. They are in bondage. President Heber J. Grant once 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, sel. G. Homer Durham [1941], 111).” (President Tanner, Ensign, Nov. 1979, 81).

6. "Some debt—such as for a modest home, expenses for education, perhaps for a needed first car—may be necessary. But never should we enter into financial bondage through consumer debt without carefully weighing the costs. We have often heard that interest is a good servant but a terrible master. President J. Reuben Clark Jr. described it this way: “Interest never sleeps nor sickens nor dies; it never goes to the hospital; it works on Sundays and holidays; it never takes a vacation. … 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.”" (Joseph B. Wirthlin, April 2004 General Conference).

Q What practices have helped you avoid getting into debt?
Q What practices have helped you get out of debt?
Q Why is it important to save for emergencies? Medium and long term expenses?

Learn to distinguish between needs and wants.
7. “Being provident providers, we must keep that most basic commandment, “Thou shalt not covet” (Exodus 20:17). Our world is fraught with feelings of entitlement. Some of us feel embarrassed, ashamed, less worthwhile if our family does not have everything the neighbors have. As a result, we go into debt to buy things we can’t afford—and things we do not really need. Whenever we do this, we become poor temporally and spiritually…. I have learned that the three most loving words are “I love you,” and the four most caring words for those we love are “We can’t afford it” ( Robert D. Hales, “Becoming Provident Providers Temporally and Spiritually,” Ensign, May 2009, 7–10).

8. "Fix it up, wear it out, make it do, or do without" (Gordon B. Hinckley, Ensign, Aug. 1992).

Q What does it mean to covet? How can gratitude help us to not covet?
Q What can we do to distinguish between needs and wants?
Q What can we do to become less vulnerable to advertising?

Be honest in all your financial affairs.

Q:  Why is honesty an important part of all our financial dealings?
Q:  Why is honesty between spouses essential in family finances?

9. "For what is a man profited, if he shall gain the whole world, and lose his own soul?  or what shall a man give in exchange for his soul?" (Matthew 16:26).

Conclusion
Q How can we teach these principles of financial management to children and youth?

10. "All of us are responsible to provide for ourselves and our families in both temporal and spiritual ways. To provide providently, we must practice the principles of provident living: joyfully living within our means, being content with what we have, avoiding excessive debt, and diligently saving and preparing for rainy-day emergencies. When we live providently, we can provide for ourselves and our families and also follow the Savior’s example to serve and bless others.....

"With all the love I have in me and with the Savior’s love through me, I invite you to come unto Him and hear His words: “Wherefore, do not spend money for that which is of no worth, nor your labor for that which cannot satisfy. Hearken diligently unto me, and remember the words which I have spoken; and come unto the Holy One of Israel, and feast upon that which perisheth not, neither can be corrupted” (2 Nephi 9:51)" (Robert D. Hales, April 2009 General Conference).
  
Additional Scriptures to Ponder
"And [Jesus] said unto them, Take heed, and beware of covetousness: for a man's life consisteth not in the abundance of the things which he possesseth" (Luke 12:15).

"If therefore ye have not been faithful in[worldly wealth], who will commit to your trust the true riches?" (Luke 16:11).

"But before ye seek for riches, seek ye for the kingdom of God. And after ye have obtained a hope in Christ ye shall obtain riches, if ye seek them; and ye will seek them for the intent to do good—to clothe the naked, and to feed the hungry, and to liberate the captive, and administer relief to the sick and the afflicted" (Jacob 2:18-19).

Additional Questions to Ponder
Develop a budget:
Do I have a regular time to review my budget?
Is my budget simple and easy to follow?
What can I do to make it easier to follow my budget?

Live on less than you earn:
How do I know if we are over budget?
What mechanisms do I have to stop spending money?
How do I save for the short term, for things like Christmas and special occasions?
How do I save for the medium term, for things like vacations or new vehicles?
How do I save for the long term, for things like retirement or children's college?
Does my budget help me to get out of debt?
Does my budget include planning for emergencies?

Distinguish between needs and wants:
Does my spending reflect the priorities of what I really value?
What am I doing to become less vulnerable to advertising?

Key Links to Additional Financial Management Resources
Principles and tools for managing finances, getting out of debt, increasing financial literacy, etc. : https://www.lds.org/topics/finances

Free beginner, intermediate, and advanced financial lessons from BYU: http://personalfinance.byu.edu/

LDS Employment Resources: https://www.ldsjobs.org