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Top of Page • Table of Contents
Top of Page • Table of Contents
Top of Page • Table of Contents
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PURPOSE:To provide individual families with basic information on how to protect themselves and to secure their home and property in case of an earthquake or other physical disaster. OBJECTIVES: 1. FLASHLIGHTS, SHOES AND GLOVES A. Place a flashlight by each bed: B. Place shoes and gloves by each bed: Hard sole shoes will prevent cut feet resulting from stepping on broken glass or other foreign objects. Place a pair of hard sole shoes for each person by their bed. Place a pair of leather work gloves in the shoes to protect hands during cleanup. Remind family members that these items are for emergency use only and should not be "borrowed" or left elsewhere. 2. GAS VALVE SHUTOFF Provide for gas valve emergency shutoff: Provide a means of shutting off your main gas valve. An automatic shutoff valve may be purchased which will mechanically shut off the gas due to any unusual shaking or vibration. These devises should be installed by the gas company or knowledgeable plumber. The gas valve may also be shut off manually by using a 12" crescent wrench or a wrench specially made for gas valves. It is critical that the wrench remain by the gas valve. Secure the wrench to the valve with wire so that it will always be available. Make sure the wire is long enough so that the wrench may be properly used without removing it from the wire. If you use an adjustable wrench, lubricate it well and cover it with a plastic bag to keep it from rusting. Clear all brush and vegetation away from the valve so hat it is easily accessible. If you smell gas or hear it escaping, immediately vacate the house, shut off the gas, then open the windows if possible. Be careful not to turn on or off any electricity or light matches or any other combustible material until you are positive the gas odor is completely gone and the gas has been shut off. Even a spark can ignite natural gas. If you do not smell gas or hear it escaping, do not turn it off. See Table 1 on page 9 for an illustration of how to turn off the gas. Call the gas company or an experienced plumber to turn the gas back on when it is safe. Be sure lines are inspected and any leaks repaired. Re-light all pilot lights. 3. WATER AND ELECTRICITY SHUTOFF A. Locate main fuse box and be able to shut off electricity: Learn where and how to shut off your electricity. Identify and label the electrical master and individual circuit breakers as to what portion of the home's electricity they control. Turn the small breakers off first and then turn off the main breaker. B. Locate water main and be able to shut off water: Learn where and how to shut off your water. Locate the water shutoff valves near the house and the water main valve near the street. Obtain a special water shutoff tool if it is required for your water main. Store the tool in an accessible place so that it can be located quickly. 4. EMERGENCY COMMUNICATION A. Establish out-of-state contact: After a disaster, it will probably be easier to make phone calls out of state than locally. Decide on one relative or person to contact in another state in case of a disaster. Contact this person as soon as you have stabilized your situation after disaster. Give them a summary of your current status and any information you would like to relay to other relatives. You will be able to find out how separated family members are doing through your out-of-state contact. B. Establish local message drop: A message drop is a place previously designated where family members can leave messages for one another as they come and go. It should be located where all family members will have easy access to it so they may leave and receive messages. A message drop at home or alternate location will allow messages to be passed as family members come and go. C.Become familiar with ward and neighborhood emergency plans: Know the name of your Ward Block Captain. Know how your ward emergency plan works. During a major disaster, a quick and accurate account of each family's welfare will help to direct the available Ward resources to the areas of greatest need. If your neighborhood has established an emergency plan, become familiar with it and find out what to do to cooperate with your neighbors during an emergency. 5. TRAIN FAMILY MEMBERS A. Training in home emergency preparation: Train each family member to protect themselves and to work as a team in responding to an emergency situation. The training should include earthquake drills, fire drills (see level 2), home evacuation drills, and how to respond to utility outages. Familiarize family members with the proper use of 911 services. Proper use is as follows: Use 911 for emergencies only. Remain calm. Answer all questions and follow all directions given by the operator. Don't hang up prematurely. Speak calmly when discussing emergency situations. Do not alarm family members by relating scary or devastating stories. Emphasize that family members should remain calm during an emergency. Before an earthquake: 1.Have occasional home earthquake drills to provide your family with the knowledge to avoid injury and panic during an earthquake. 2.Situate bedroom furniture so that heavy objects such as book cases, etc. will not fall on the bed. 3.Move beds away from windows. 4.Keep window blinds closed at night to prevent broken glass from spreading into the room. 5.Secure valuables and bolt down "top heavy" furniture wherever possible. During an earthquake: 1. If you are in bed, stay there and ride the quake out. 2. If you are in the kitchen, move quickly out. You cannot cope with a moving refrigerator, and the many other objects found in the kitchen. 3. Do not stand in a doorway. A swinging door can injure you. 4. Get under a sturdy piece of furniture and hold onto it; or, if possible, move to a hallway. Sit down against one wall and place your feet against the opposite wall of the hallway. 5. If you live in a mobile home, brace yourself against a wall or corner. 6. If you are outside, stay there. Move away from buildings, walls, power poles and any object that may fall or collapse. 7. If you are in a moving car, stop as quickly as safety permits and stay in your vehicle which will protect you. After an earthquake: 1. Check for injuries and provide first aid. 2. Check for safety: check for gas, water and sewage breaks. Turn off utilities as needed. Check for building damage and potential safety problems which may be aggravated by aftershocks. 3. Clean up debris and any dangerous spills. 4. Turn on your radio and listen for emergency information and instructions. 5. Don't use the telephone except for emergencies and to call your out-of-state contact. More injuries are likely to occur after an earthquake through poor judgment than from the earthquake itself. B. Training in "away from home" emergency procedures: Instruct each family member what to do, where to go, and who to contact if they are away from home and an emergency occurs. (e.g., work, school, play, friend's house, etc.) Become familiar with how your children's school handles earthquake and other emergency situations. These procedures may differ from school to school. Find out who is authorized to pick up your child after an emergency. Determine where children will be gathered and what they are expected to do during an emergency. Some schools like to have the students provide a personal earthquake kit and have it at school. C.Training in automobile safety and accident procedures: Train family members in automobile safety and what to do in the event of an accident or other emergency. In addition too basic first aid, this could include items such as who to call for help, what to say and what not to say if involved in an accident, the use of insurance, and other essential information. |
Top of Page • Table of Contents
Top of Page • Table of Contents
CONGRATULATIONS ON ACHIEVING EMERGENCY PREPAREDNESS IN YOUR HOME
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PURPOSE: To provide basic care for family members and equip family homes with the essentials necessary for earthquake or other physical disaster preparedness. OBJECTIVES: ** REVIEW AND UPKEEP Review all objectives in level one and ensure they are still in place, functioning and in good condition. 1. SECURE HOT WATER HEATER 2. FIRE SAFETY A. Place fire extinguishers in strategic places: Place a fire extinguisher in the kitchen, garage and upstairs in a two-story home. It is recommended that fire extinguishers be rated for class A, B, and C fires and have the proper capacity for the intended use and size of the area to be covered by the extinguisher. There are two types of fire extinguishers. Both can be purchased at most hardware or home improvement stores. They are the "dry chemical" type and the "halon" type. The dry chemical type uses a white powder to extinguish the fire while the halon type uses a vapor to extinguish the fire. Both types come in different sizes. Carefully read the manufacturers instructions to determine where to place and how to maintain and operate your fire extinguishers. Instruct all family members on the proper use of the extinguishers you have purchased. Periodically inspect all of your fire extinguishers to be sure they are still in good operating condition. This should be done at least once a year. The gauge needle should always be in the green area of the gauge. Extinguishers come with different attachment mechanisms to secure them to walls or other objects. If you use these attachments, instruct family members how to remove the extinguisher from it's attachment. Give family members an opportunity to remove the extinguisher on their own so they can do it quickly in case of fire. Keep a hose and swift nozzle connected to each outside faucet so that water will be readily available for use in case of fire. B. Place smoke alarms in critical places: Place smoke alarms near the sleeping areas in your home. Place an alarm on each floor of multi-level homes, and at least two or three different locations of a single story home. A smoke alarm in the garage is also recommended. Smoke alarms are available in either direct-wired or battery operated type. The direct-wired type is connected directly to the house electrical system. The battery type operates off of it's own battery which has to be replaced on a regular basis. Battery operated alarms have the advantage of still being functional if electricity is cut off. Be sure to read the manufacturer's instructions carefully to determine where to place and how to check and maintain your smoke alarms. C.Prepare for fire emergencies: 2. Know two ways out. Draw a diagram of your home. Plan two ways out of every room, especially bedrooms. If you must escape from a second-story window, be sure you have a safe way to reach the ground. Make special arrangements for small children and people with disabilities. Chain ladders or other means of window escape should be provided. Family members should know how to use the items provided for window escape. Use stairways to leave a building or apartment. Never use an elevator as a means of fire escape; it may stop between floors or even take you to the floor where the fire is burning. 3. Make sure everyone can unlock all locks and open all windows and doors quickly even in the dark. Give special instruction concerning dead bolt locks. Use caution if you install window coverings. Be sure they can be removed from the inside and that family members know how to remove them quickly. 4. Practice your plan. At least twice a year, have a fire drill in your home. Appoint someone as the monitor to sound the alarm and make sure everyone participates. A fire drill is not a race. Get out quickly but carefully. Because the majority of fatal fires occur at night when people are sleeping, start the drill by having family members go to their bedrooms, closing the door, and waiting for the monitor to sound the alarm. Make your exit drill as realistic as possible without frightening younger children. Pretend that certain exits are blocked by fire, that there are no lights, and that the hallways are filling with smoke. D. Know the basics of fire emergency response: Preview the following basics of fire emergency response with your family: 1. Don't panic. 2. Call 911 from a location other than the burning structure. 3. Pre determine a place where family members will meet in the event of a fire. Instruct them to meet at this location if fire breaks out. Account for all family members as soon as possible. 4. Use emergency escape routes. Consider taking the pre-planned route which will take you most quickly out of the building first. If taking this route is not possible, immediately rely on your alternative route. 5.Keep your head down while escaping from a burning building to avoid inhalation of smoke at higher levels. Crawl if necessary. 6. Be cautious opening doors. Test for heat. Before opening a door, make sure there's no fire on the other side. Kneeling at the door, reach up high and use the back of your hand to touch the door, the door knob, and the space between the door and the frame. If any of these feel hot, use your second way out. If everything feels cool, brace your shoulder against the door, and open it carefully. Keep your body behind the door. Be ready to slam it shut if heat or smoke rushes in. As you leave, close all doors behind you. Closed doors will slow down the spread of fire and smoke. 7. If you are trapped close doors between you and the fire. Stuff the cracks around doors and cover vents to keep smoke out. Wait at a window and signal for help with a flashlight (which should be by you're bed...right ?) or by waving a sheet or other light colored cloth. If there's a working phone in the room where you're trapped, call 911 and tell the operator exactly where you are. 8. Don't go inside a burning building for any reason. Make sure your family knows that once they are out, they must not go back for any reason. If people or animals are trapped, fire fighters have the best chance of rescuing them. Leave it up to them. 9. Do not delay. If a fire breaks out, implement your fire safety plan immediately. Make sure that your family understands how to get out quickly as there is no time for mistakes. Fire after an earthquake is common. Watch for fire and potential fire hazards after an earthquake. 3. WATER AND FOOD STORAGE A. Store fourteen days of water per person: Store 1.5 gallons of water per person per day for a fourteen day minimum (21 gallons per person). Keep a supply of fresh household chlorine bleach (5.25% sodium hypochlorite) for water purification. A small amount of chlorine bleach (about eight drops per gallon) added to your water supply will help preserve the water during storage and assist in preventing bacterial growth. Store your water in a cool place out of direct sunlight. Change the water every six months. If you suspect that your water has become contaminated and you need to use it during an emergency, it can be treated by first straining it through a handkerchief or cheesecloth and then disinfecting it. Add chlorine bleach (8 drops per gallon for clear water and 16 drops per gallon for cloudy water) and mix thoroughly. Let stand for 30 minutes before using. If chlorine bleach is not available, purify the water by bringing it to a rapid boil. Do not use swimming pool water for drinking. The chemicals will make you sick. Conserve drinking water by using pool water for needs besides drinking or cooking. B. Set up a rotation system for food: Food should be kept in a cool, dry place. Keep a good supply of food that has a reasonable shelf life on hand at all times. Foods used for emergencies should be sufficient to last your family (and pets) for 72 hours. Foods high in protein content should be included in abundance. Store your emergency food (and water) in a place where it will be easily accessible in case of emergency. Incorporate your emergency food into your normal diet as much as possible so that rotation of these items will happen naturally as you consume and replace them while preparing your regular meals. During an emergency when electricity is not available, eat the food in the refrigerator first; then the food in the freezer; and then canned, dried and less perishable foods. 4. FIRST AID KIT AND TRAINING A. Become trained in first aid: First aid and CPR training is available on a regular basis and at a nominal cost from the American Red Cross. Contact the Red Cross Center in the Santa Clarita Valley at 805-259-1805 for more information and class schedules. Basic first aid instructions can be obtained from the Red Cross First Aid or other first aid manuals. The Boy Scout handbook contains excellent information about basic first aid. Instruct family members in the basics of first aid. If you have a scout, have him teach the family the first aid skills he has learned. The phone book also contains basic first aid instructions. Be sure to cover what you should do to look for and treat the "hurry cases" which are: stopped breathing, no heartbeat, severe bleeding, choking, and poisoning.Keep a basic first aid manual or pamphlet in an accessible place at home and in each automobile. B. Keep a first aid kit in your home and in automobiles: First aid kits vary in size and content. They are usually rated by the number of people who may need to use them for everyday occurrences. Determine which size is best for your family. If you put together your own kits, you may want to follow the recommendations for content and quantity of the pre-made kits. Modifications should be made to the "everyday" kit contents for items that you will need in more abundance during an emergency. The following list of items are appropriate to include in your first aid kit. The essential items are shown in bold faced lettering. Remember to customize your kit to fit the needs of your family.
5. 72-HOUR KITS A. Prepare 72 hour kits for family members: Prepare a 72-hour kit for the home along with individual items for each family member. The object of the kit is to provide the essentials for your family for a period of at least 72 hours. Stores will probably not be operable during a natural disaster. Supplies will be unavailable or in short supply. You should be prepared to rely on your own supplies until such time as regular resources are again available. Table 2-A on page 17 includes a list of essential as well as optional items that should be considered for your 72-hour kit. The essential items are shown in bold face lettering. Since the kit should be customized to your specific needs, climate, and environment; you may want to add some items of your own. Plan meals that can be readily prepared from simple commodities which can be stored easily. You should be prepared to live outside your home in case your home is damaged to the point where it is not inhabitable. Keep the kit compact and portable in case you have to evacuate your property. You may also want to prepare a small kit for work. Include a flashlight and comfortable walking shoes in your kit for work. You may find yourself walking home. Predetermine the best route to take home should you have to walk. Do not plan to use portable cooking devices inside your home. Charcoal gases can be deadly when released in a closed area. White gas and other portable fuels are extremely flammable and should be used with care outdoors. B. Prepare a 72 hour kit for each automobile: Prepare a kit for each family car which in addition to personal items contains tools, flares, or other warning devices, jumper cables, empty gas can, radiator coolant, or water, etc. Keep a good pair of gloves and walking shoes in the car. Check the spare tire and jack regularly. Know how to use the jack. Keep the gas tank in your cars at least half full at all times.
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Top of Page • Table of Contents
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PURPOSE: By accomplishing the requirements of this level you will learn the fundamentals of a sound Home Production and Food storage system. You will also begin to implement some of those concepts. You will be able to provide basic family needs for about two months should a family emergency or economic problem arise. You will have increased your skills in all areas of self-sufficiency. OBJECTIVES: 1. REVIEW AND UPKEEP Review all objectives in levels one and two and ensure they are still in place, functioning and in good condition. 2. HOME STORAGE A. Plan and Provide a two-month's supply of food. There are numerous forms and methods of food storage. Canned foods, basic storage items, dehydrated foods, and freeze-dried foods are the most common forms of food storage. The most practical and desirable method for a two-month supply is called copy-canning. Copy-canning involves duplicating the same eating patterns and habits currently being used in your everyday diet. With the exception of refrigerated, frozen and baked goods, most items used for meal preparation have a shelf life of at least two months. You will want to have your everyday food routine continue as close to normal as possible during the first two months when you are using your food storage regularly. A prolonged emergency or sudden loss of income can often be well on the way to being solved in the first two months. Chances are, your family will not be excited about having a steady diet of food they are not familiar with right off. During this time of readjustment, your family will be able to continue eating what they are used to. Thus it is recommended that the initial two-month supply be satisfied through the technique called copy-canning. The first step is to determine what foods and how much of these foods are generally consumed in a two month period. Select your family's most popular menus and project the total amount of ingredients needed for two months. A worksheet (table 3A on page 30) is provided to assist you. Second, determine the ingredients necessary for each of the meals. List the quantities of the ingredients you already have on hand. Then determine the quantities of ingredients that will have to be purchased to provide a two-month supply using food normally consumed by your family. Table 3-B on page 31 is provided to assist you in calculating how much to buy. Find substitutes for refrigerated items (powdered milk for fresh milk, canned vegetables for fresh vegetables, etc.). Frozen foods can be included if you have a large freezer, but should not be relied on too heavily due to potential power failures caused by an emergency situation. Determine a time period over which you will meet this requirement. Each time you go to the supermarket, double up or buy a case of one or more ingredients until your two-month plan is completed. Rotate your food storage by using your stored items in the preparation of regular family meals. B. Select areas of home to be used for food storage: The ideal storage location is free from the elements that shorten the shelf life of food. Light, heat, and moisture can shorten food life. The most available area is usually in the garage, but this is also the area of highest temperature. More desirable areas are within the house such as closets, where light and heat are minimized. Consider building special storage areas such as false walls, etc. Food may also be stored under beds and other un-utilized areas. A walk-in pantry could be constructed in your garage with insulated walls to help keep temperatures down. If you live in an apartment, extra planning may be necessary to find suitable locations for storing your supplies. Cabinets or specially designed furniture may be used to accommodate food storage. Be creative and you will be able to find suitable storage areas. C. Choose and prepare a garden area: Select an area of your yard where you can plant a garden. The size of your family will be a determining factor in deciding how large your garden should be. However, having limited space should not deter you from having a garden. Do the best you can. If you live in an apartment or dwelling with limited space, you will be surprised to find out how much can be grown in containers and window boxes. Use your imagination and create garden space out of property that is otherwise not being used. Terracing walls can be built to make flat areas on hillsides. Some edible plants and vegetables are quite pretty and can be used for landscaping as well. Community gardens are often available. If you would like a larger garden than your property will allow, you may want to consider this option. Association with other gardeners will also make your gardening experience more enjoyable. Your garden area should have six to eight hours of direct sunlight per day. It should be small enough to receive enough attention from you, the gardener. Make a list of the vegetables your family normally eats and which are suitable and practical to grow in the size garden you have and climate you live in. Consider your family's eating habits as well as the criteria shown below in your selection process.
Determine if the soil is satisfactory for planting and what amendments, if any, need to be added. Soil test kits can be purchased which will test for ph level, nitrogen, phosphorus, and potassium content of the soil. Prepare the soil for planting. The soil should be prepared to a depth of at least six inches for most crops, but deeper for root vegetables such as potatoes and carrots. 3. HOME PRODUCTION AND RESOURCE MANAGEMENT A. Resource Conservation Teach your family various methods of conserving resources and utilities. Some of these methods are discussed below. You may want to add other methods that have significance to your particular living circumstances. Conserving resources saves you money. 1) Water Conservation: Gardens and lawns should be watered when daily temperatures are low to prevent rapid evaporation. Watering frequency will depend on temperatures and the durability of the plants being watered. Excessive runoff is a sign of over watering. Use low volume shower heads. Put bricks or other conservation devices in your toilet tanks. Repair leaky faucets and any other items leaking water. 2) Electricity Conservation: Turn off lights and appliances when not in use. If you are the last to leave a room, turn off the electricity for items no longer in use and turn off the lights. It only takes a flick of the switch to turn a light back on when the next person enters the room. Reduce the wattage of electric bulbs. Compare the energy efficiency rating of appliances when considering new purchases. Insulate walls and ceilings to reduce heating and cooling costs. Vent attics. Tint windows and draw window blinds to reduce heat during the summer. 3) Natural Gas Conservation: Shut off your furnace pilot light once the weather warms up. The gas company will re-light pilots at no charge. Lower your water heater thermostat. Wear warmer clothes indoors during winter months. You can lower your thermostat and still be comfortable. Implement at least two conservation methods in your home: __________________________________________________ __________________________________________________
B. Basic Sewing: Learning basic sewing skills will prolong the life of your clothing. You will also save on alteration costs. Clothes that "fit" one child can be altered to "fit" another child when the time comes. Sewing can be fun and the results rewarding. Your skills will improve the more you do it. Survey the sewing skills which you now have and make a list of the skills you would like to master. Consider mending, alterations, appliqué, bindings, buttonholes, collars, facings, hems, interfacings, mending, necklines, pleats, pockets, quilting, seams, stitching and zippers for your list. _________________________________________________ _________________________________________________ __________________________________________________ C. Home and property improvement list: Improving and maintaining your home properly and timely will save you money in the long run. Costly repairs due to neglect can be avoided. Church leaders have reminded us to keep our property in good condition and appearance. This is wise counsel which has many benefits. Compile a list of home improvement projects. Suggested items to include are interior and exterior painting, landscaping, patios, decking, new lawn, cleaning up storage areas, repairing automobiles and appliances. Prioritize the list with regards to urgency and importance. The list should be completed jointly by husband and wife. 4. FINANCIAL RESOURCE MANAGEMENT A. Medical Insurance: Review your existing medical coverage and determine it's adequacy. No medical insurance at all is called self-insurance. You are your own insurance company, whether you can afford it or not. Refer to table 3-D on page 33. This questionnaire will inform you about various coverages available and help you better understand the coverage you already have. Determine if the deductibles, maximum limits, and other provisions of your plan are consistent with your financial capacity. Decide if the premiums are the most reasonable for your coverage levels and situation. Secure any coverage determined necessary to fill any gaps discovered in your insurance. Consultation with an insurance agent may be desirable. B. Family Budget: Analyze bills and expenditures over the past few months and prepare a family budget. Determine if your expenditures are in proportion with your income. Amounts should be budgeted for tithing, fast offerings and savings. Table 3-F on page 35 will help you prepare a balance sheet to determine your family's total net worth . It will assist you in understanding where you are financially and give you a tool to plan some financial goals. C. Family will or Trust : Wills: The purpose of a will is to insure that your intentions concerning your property and minor children are carried out after you die. Without a valid and properly executed will, your intentions may not be carried out to your satisfaction. Table 3-G discusses the advantages of a will in greater detail. If you have children, a will not only clarifies who you have chosen to be their guardian, but also will specify how your assets will be distributed between a surviving spouse and the children. If you die without a will, the laws of intestacy of your state will determine how your assets will be distributed rather than your desires. This may also delay and complicate the transfer of some assets. A will does not have to be elaborate and may not need the assistance of a lawyer. Make sure that it meets your needs and properly distributes your assets in the manner intended. Most attorneys will assist you in the preparation of a will for relatively nominal fees. If you prepare your own will it must be entirely handwritten, signed and dated by you. It must not be signed by witnesses. Husbands and wives should have separate wills. Instructions to Health Care Providers: You should sign a form called, "Directive to Physicians." This should be witnessed by two adults. It will allow your hospital and doctor to cease extraordinary means of prolonging your life where it is apparent to the medical care providers that you are in an "irreversible coma" or "persistent vegetative state." It is also binding upon family members and removes a great emotional burden. If this document is not in place, someone might otherwise unreasonably frustrate your desire to pass on naturally. Durable Power of Attorney: A power of attorney allows someone to take care of legal and financial matters on your behalf when you are away or for whatever reason you wish. However, upon your incapacity from an accident, old age, etc. the attorney-in-fact cannot act. California has adopted a "Durable Power of Attorney" which allows someone you trust to handle things even if you are mentally incapacitated. This is of great benefit to your spouse and children. The form must be notarized. Family Trust: Tax advantages of trusts come and go, but there are other reasons you may wish to have a family trust. There may be a particular family member that cannot handle money properly or has a special disability. You may wish to allow someone to have the use of the income from your assets, but have someone else ultimately receive them. Also, in a community property state such as California, each spouse may choose to direct his or her share of the community property to particular beneficiaries and a trust can achieve this. Complete this requirement by reviewing the options for having your wishes carried out after your death. Set a firm date by which your will or trust will be in place. 5. EDUCATION AND EMPLOYMENT A. Standard Works for family members: Provide a set of the Standard Works of the gospel for each family member. The Standard Works are The Bible, The Book of Mormon, The Doctrine and Covenants, and The Pearl of Great Price. Teach your family the importance of the Standard Works. Have them bring their own set of the Standard Works to church and to family scripture reading times and use them for individual scripture study. Sets of the Standard Works can be purchased reasonably through the church distribution center and make great gifts. B. Literacy and educational goals: Pursuing excellence in our lives is a continual process. Evaluate the literacy skills of each member of the family. The minimal literacy requirements as set by the "Gospel Literacy Guidelines" is that each member of the Church be able to "read and write so that they can better understand the Gospel and participate in all aspects of Gospel living." We are to continually study the gospel and improve our abilities to read and communicate. Determine if there are any areas of literacy skills which need to be achieved by family members. Help in achieving these skills is available through the Relief Society, priesthood quorums and public education. Obtain any help needed to formulate a plan to achieve literacy in your family. Set educational goals with each of your children as soon as they are able to understand the concept of education. These goals should reflect their talents and interests. They should be long-range and short-range. Parents should achieve a high school diploma and they may want to set additional educational goals for themselves. C. Employment evaluation: Latter-day Saints should always strive to improve their wage-earning ability. This is important to the family and allows us to help even more in building up of the Kingdom of God. Evaluate your current employment situation. Determine where you would like to be in your career after the following time increments: Three years _______________________________________ Five years ________________________________________ Ten years _________________________________________ Make a list of what it will take to accomplish your goals. Your ward and stake employment specialists as well as the Church Employment Office can assist. D. Prepare a current resume: Prepare a resume about yourself as it relates to your education, experience, and income producing skills. The resume will help you determine where you are in your career and what you have to offer in the job market. Prepare a resume even if you do not have any plans of changing your job situation at the present time. This will give you an opportunity to reflect on your career and what you have accomplished over the years. Think about the things you would like to accomplish in your career and determine if the path you are taking is leading you toward those goals. SOCIAL, EMOTIONAL, SPIRITUAL AND PHYSICAL HEALTH A. Church attendance: Attend church meetings regularly and participate in church activities. Attendance at Sacrament meeting is a commandment which will strengthen you spiritually each week and give you a chance to partake of the sacrament. B. Personal and family prayer: Pray regularly. Prayer will keep you close to your heavenly father and give you confidence and courage as well as guidance in your everyday life. "The family that prays together stays together". C. Acts of service: Perform frequent acts of service to family members and others. You can lose yourself and your own problems by serving others. It is fun to plan your service and tailor it to the special needs of your family members. Surprise them and enjoy their reactions. Elderly people are often forgotten. You may want to become a special friend of an elderly person by visiting them regularly and introducing your family to them. Most importantly, make sure that your parents are being taken care of properly. 7. OPTIONAL GOLD STAR ITEMS A. Fuel storage: Learn the proper methods of storing fuels safely in and around your home. The fuels stored should be compatible with the types of emergency cooking and heating equipment you have included in your emergency program. The safest types of fuels are propane gas, "Sterno" fuels, charcoal briquettes, and wood. White gas and regular gas can be stored safely but are extremely flammable and are quick to ignite. Take extra caution when storing these fuels. Large quantities of combustible fuels should not be stored. Newspapers can be rolled into "logs" and used for heating. Store a two months supply of fuel you would most likely use. Savings - one month's income: Save one month's income in a safe, liquid savings account. The funds should be accessible enough to get to in a real emergency but inaccessible enough to avoid casual use. A portion of this money should be kept in the home in a safe place in small bills or even coins which will make it easy to purchase commodities during disaster situations. Banks and safe deposit boxes may not be accessible and credit card and automatic teller machines may be inoperable. Consideration may also be given to hard assets such as silver and gold coins or bullion. C. Consistent daily prayer - three months: Have family prayer for at least 87 days out of a 90 day period. Consistent scripture study - three months: Study the scriptures for at least 87 days out of a 90 day period. Hand working skills: Learn a hand working skill such as knitting, crocheting, tatting, cross-stitching, etc. Make a simple item. F. Learn basic woodworking skills: Learn the basics of safe woodworking. Make a useful item out of wood or repair something made of wood. G. Learn basic plumbing skills: Learn the basics of simple home plumbing repair. Repair at least one item in your home. Develop a time management system: Time management is critical if you are to successfully accomplish your goals. There are a variety of methods and concepts related to time management. The important thing is that you have a method of keeping track of your appointments and allocating time for all of your responsibilities and goals. This need not be a complicated or expensive undertaking. Investigate the various methods available and choose one which you are comfortable with. Implement your plan. You may find it awkward and cumbersome at first. But after a while you will see that time management makes your life easier. No one can "memorize" all the things they need to do and places they need to be, although many people think they can.
Note: The above worksheet can be reproduced or copied onto regular paper for your planning. Include workspace for breakfast, lunch and dinner. 1. List all main ingredients of a meal in the "Item" column. 2. Put the most commonly purchased package size in the "Package" column. 3. Calculate the number of meals obtained from one package and record number in the "Quantity/Meal" column. This is done by dividing the number of serving needed for each meal by the number of servings in each package. 4. Decide how many times in 2 months each particular meal will be eaten. Enter this number in the "Meal Frequency" column. The total of all numbers in the "Meal Frequency" column should equal 180. 5. Multiply "Meal Frequency" column by the "Quantity/meal' column for each item and enter the answer in the "Total Quantity" column. 6. Use this process for Breakfasts, Lunches and Dinners. Consolidate and transfer the "Total Quantity" amounts to the "Quantity Needed" column in Table 3B.
1. List each item from the Menu Planning Worksheet (Table 3A). 2. Record the numbers from the "Total Quantity" column from Table 3A in the "Quantity Needed" column of this Table. 3. Take a physical inventory of each item currently on hand and record the data in the "Quantity on Hand" column. 4. Subtract the "Quantity on Hand" from the "Quantity Needed" to arrive at the "Quantity to Purchase". Decide what items you will purchase each week over a specific period of time. 5. Once you have purchased the quantities specified in the "Quantity to Purchase" column, you will have completed your two month's supply. Any supplies consumed over the two month period must be replenished in addition to the amounts in the chart.
1. List all the projects in and around your home and property or automobile which you need to do. 2. List the projects you would like to undertake which would enhance or beautify your home. 3. Go through the list one at a time and rank the projects by urgency and/or importance. 4. Work first on the project with the highest priority until it is finished and then start another. TABLE 3-D When reviewing your existing medical insurance or considering purchasing or making changes in your health coverage, you should be able to answer the following questions. 1. DEDUCTIBLES - How much of the initial costs must you absorb in the way of a deductible? ______ Is it charged only once in the calendar year or for each illness or injury?______ Is there a limit of either 2 or 3 deductibles per family or must each member satisfy it? ______ 2. CO-INSURANCE - Beyond the deductible, what percentage of the expense must you pay, 10%, 20%,? ______ MOST IMPORTANT - Is there a "Stop-Loss" provision which eliminates all co-insurance and pays 100% of the charges after you reach $1,000 or so in out-of-pocket expense? ______ 3. FAMILY BENEFIT MAXIMUM should be "unlimited" or extremely high; e.g., $1,000,000, due to potential costs of a major surgery, hospitalization, a series of family illnesses, etc. ______ 4. "INSIDE LIMITS," like $200 for x-rays, etc., should be avoided in favor of "comprehensive coverage", i.e., a flat percentage of the cost incurred. ______ 5. Determine AGE LIMITS ON CHILD COVERAGE. Full time students may be covered until age 22 or 23. ______ 6. OUTPATIENT BENEFITS should be examined carefully since many procedures are now done on an outpatient basis due to the high costs of hospitalization. ______ 7. PREFERRED PROVIDERS - Some medical plans call for the use of a preferred provider from a list of doctors or hospitals from which you must choose. Find out where they are and whether you will want to use that provider before enrolling in the plan. 8. HEALTH MAINTENANCE ORGANIZATIONS (HMO) offer a different approach than traditional health insurance in which you pick the doctor from an approved list, make a co-payment, and the doctor receives reimbursement from an insurance company. With an HMO you or your employer pay an annual fee for which the plan's own doctors handle almost all of your health needs. HMO's typically cost less in that there are usually no deductibles and they cover a higher percentage of costs than traditional plans. However, they should be examined very closely to determine how out-of-the-area emergencies get treated, what specialties are represented, where you go for hospitalization, and how easily appointments are obtained.
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TABLE 3-G
THE ADVANTAGES OF A
WILL
1. AVOIDS DISTRIBUTION UNDER THE LAW OF INTESTACY
The State Intestacy Law will pass property to certain relatives of the decedent. These laws have been drafted to be "fair" in the average situation, but most persons would like to choose who will receive their estate when they die.
2. PERMITS THE NOMINATION OF A GUARDIAN FOR MINOR CHILDREN
Without a nomination in a will, the court will appoint a guardian for minors. Relatives are not always the best choice for a guardian and consideration must be given to the financial situation of the potential guardian, as well as his or her health, age and ability to love children.
3. WAIVER OF THE PROBATE BOND
In the absence of a will, the court will require a fiduciary bond to be posted by the administrator (executor) of the estate to guarantee the replacement of any funds embezzled or diverted by him. Since this additional cost must be borne by the estate and one should not choose an executor whom he cannot trust, he will probably want to waive the bond requirement in the will.
4. CHOOSING THE EXECTOR
The duties of the Executor of an estate can be very time consuming and frustrating, especially to a spouse who has just lost his or her mate. In the will a qualified individual or a corporate trust company can be chosen to handle this procedure.
5. MAKING SPECIFIC REQUESTS TO INDIVIDUALS
An individual may bequeath specific items of jewelry, heirlooms, furniture, or make cash bequests, and be certain that they will pass to the proper persons. Without a will, written or oral instructions may not be carried out.
6. SALE OF ASSETS DURING THE PROBATE ADMINISTRATION
Additional expenses to the estate can be avoided by permitting the sale of assets without the executor having to publish a notice of sale in the newspaper. A sale of assets may be necessary in order to pay death taxes and expenses of probate.
7. AUTHORIZING THE CONTINUATION OF A BUSINESS
Unless the will authorizes the continuation of a business, the executor must operate it at his own risk. Many executors may not elect to administer the estate unless this risk is borne by the estate.
8. DEFERRING DISTRIBUTION TO MINORS
When parents die leaving minor children, each child's share of the estate must be held in a guardianship account until he or she attains the age of 18 at which time the entire remaining share is distributed outright. Trust provisions can be placed in the will to defer these distributions until a more mature age.
9. TAX SAVINGS
Certain substantial tax savings are possible through the use of trusts, which can be created in the will (known as Testamentary Trusts). Similar tax savings, plus probate savings, can be obtained through the use of Living Trusts.
10. PEACE OF MIND
Although this advantage cannot be measured in dollars and cents, when the estate is in order an emotional load is lifted from the person who is concerned for his family's well being.
THE RELIANCE AWARD - LEVEL FOUR
PURPOSE: The purpose of this level is for your family to have an opportunity to use the skills learned in level three and to increase the stored provisions for your family to accommodate a six month period. You will increase your skills in all areas of self-sufficiency.
OBJECTIVES:
1. REVIEW AND UPKEEP
Review all objectives in levels one, two and three and ensure they are still in place, functioning and in good condition.
2. HOME STORAGE
A. Obtain a six month supply of food: A six month supply of food should be oriented toward the actual food your family eats. In addition, food geared for longer term storage should be introduced into your family's regular diet. Shelf life of the foods stored becomes a more important consideration as does space requirements. Most canned goods can be safely stored for a six month period. However, they take up more space than do dried, dehydrated, or freeze-dried foods.
It is suggested that the six month supply consist of the two month's provided in level three through copy-canning and that the next four month's supply be a combination of copy-canning and the basic storage items discussed below. Suggested quantities of the basic storage items are shown. You may want to adjust the ratio by doing more copy-canning or more basic storage. For children under age twelve, store half the amounts shown.
If your home storage program already includes some of these items, take inventory and determine your needs using the same format as used in table 3-B on page 31 .
Grains: Include wheat, rice, rolled oats, dried corn, barley, flour, cornmeal, macaroni, spaghetti, etc. 25 lbs. per month should be stored per person and should be divided between the specific types of grains included in the family's regular diet.
Legumes: Such as beans, split peas, lentils, and peanuts are inexpensive sources of protein and are a substitute for meat and have a substantial shelf life.
Powdered milk: Contains almost all the nutrients found in fresh milk and stores for a much longer period of time. 8.3 pounds per month per person is the suggested requirement. It will go to waste unless it is used regularly through rotation. One way to rotate and get used to powdered milk is to mix it 50/50 with whole milk. This will improve the taste of powdered milk and will allow you to rotate it through use in your family's regular diet. Regular (non-instant) nonfat powdered milk stores longer and tastes better than instant powdered milk if it is properly prepared.
Salt: Is essential to any long-term storage program. .5 pounds per month per person is needed. Salt should be iodized and stored in a cool, dry place.
Cooking oil: Pure Vegetable oils such as corn, soy, and safflower are preferable to those derived from animal fats. Approximately 10 lbs. per person per year should be stored.
Sugar and honey: Provide needed energy and calories and are essential ingredients in making bread. 8.3 pounds per month per person is the recommended quantity. Honey may crystallize, but will re-liquefy by immersing the container in hot water.
Alternative types of food storage: Other types of food storage are discussed in table 4-A on page 46. The advantages and disadvantages of other types of long term food storage items are shown. You may want to include some of these alternative methods of food storage in your plan.
B. Plant your garden: Plant the vegetables you chose for your garden in level three. Care for these plants until they mature. The important thing to remember is to plant the type and quantity of crops that your family will eat. If you are a novice gardener, establish a garden only as big as you can maintain. The average garden can be maintained in one to four hours per week. Grow at least three different kinds of vegetables during their appropriate growing season. Harvest and properly care for the items grown in your garden. Caring for excess produce is discussed in level five of this guidebook. Refer to this section as soon as you need to care for excess garden produce.
3. HOME PRODUCTION AND RESOURCE MANAGEMENT
A. Sewing: Make two articles of clothing. The articles chosen should be practical items that members of your family can use immediately. Blouses, shirts, pants and dresses are some suggestions. Making something you can use immediately, will give you encouragement to expand your sewing talents.
article two:___________________________________________
B. Home improvement projects:
Select at least two projects from the home improvement list prepared in level three and make or repair those items. If you have children who are old enough to help with the projects, allow them to do so. Everyone needs experience in basic home repair. This is a great opportunity to give your children some "hands on" experience under parental direction and instruction.
project one:________________________________________
project two:________________________________________
C. Cooking with home storage basics:
Learn how to prepare some of your long-term food storage items. Use these items in your daily diet. Some suggested items to prepare are homemade bread, cracked wheat cereal, peanut butter cookies, and macaroni salad. There are many good recipes available which utilize food storage basic items. You will be surprised at the many different dishes that can be prepared using the basics.
4. FINANCIAL RESOURCE MANAGEMENT
A. Debt Management: Continue to use the budget you prepared for level three. Analyze your debts and set up a plan to reduce your level of indebtedness. Monitor the level of outstanding consumer debt and don't permit the total level of consumer debt to increase over a three month period. Instead, plan ahead for major purchases in your budget. Live by your budget for three months and make any necessary adjustments to fine tune it to insure that revenues cover all expenses and allow for tithing and savings. Plan for home ownership.
Fill out Table 4-B on page 47. It will assist you with your debt reduction plan.
Learn to control your spending appetite by distinguishing between wants and needs when considering major purchases. Discuss this together as husband and wife and with the family when it is appropriate. Children can learn valuable lessons by discussing family budgetary restraints with their parents. This will help dispel the all too prevalent notion held by children that there is an endless stream of money that comes from Mom and Dad.
B. Obtain life insurance equal to one year's income: If you already have life insurance, review your policy to determine if it is providing the level of coverage best suited for you and that the premiums are reasonable and within your budget.
Examine the different types of life insurance. Understand the differences between term, whole life and universal life insurance. Table 4-C on page 48 will help you understand the different types of life insurance. In determining which type of policy to purchase, the first factor to consider is affordability. Make sure the premium being paid for the amount of coverage you need will stay within your budget. The second factor to consider is suitability. If you need coverage for only a few years, annual renewable or five year renewable term insurance would be suitable.
But if your insurance needs are long term, make sure that your coverage is permanent or renewable at reasonable premium levels for the duration of time required. If you should need to use short term plans for long term needs, make sure the plan you purchase can be converted at a later time to long term coverage. Obtain enough life insurance to cover your family's needs for at least one year.
C. Gather and store important family documents: Get a suitable box or container to store important documents such as home deeds, social security papers, birth certificates, insurance policies, and wills. The container should be stored in a safe place where it can be protected and it's contents kept safe from damage or loss. The container should be fireproof. Table 4-D on page 49 lists possible contents and desirable information to be placed in the box. You can also use a safe deposit box at a bank for this purpose. However, due to lack of accessibility, you may want to keep copies of the contents of your safe deposit box at home.
Included in the box contents should be a letter of instructions from the head of the house to family members for their use if something should happen to the head of household. Discuss the contents of the box with appropriate family members so that they are familiar with them. This will make things go much smoother should a need arise to refer to or use the documents in the absence of the head of household.
D. Establish a saving plan: Start a savings plan or expand an existing one. Decide the type of plan best suited to your financial goals. Funds should be added on a systematic basis as budgeted for in level three. This plan can be with a credit union, bank, savings and loan, or mutual fund which is consistent with your particular risk orientation. Table 4-E on page 50 shows the investment Pyramid which ranks the various types of investments in relation to their risks. Begin your savings plan at the bottom of the Pyramid.
5. EDUCATION AND EMPLOYMENT
A. Study the scriptures regularly: Make a commitment as a family to study the scriptures regularly. Consider the following paragraph by Bruce R. McKonkie and discuss it with your family. Any message whether written or spoken, that comes from God to man by the power of the Holy Ghost is scripture. If it is written and accepted by the Church, it becomes part of the scriptures or standard works and ever thereafter may be read and studied with profit. The standard works are the Bible, Book of Mormon, Doctrine and Covenants and Pearl of Great Price. The Church uses the King James version of the Bible, but acceptance of the Bible is coupled with a reservation that it is true only insofar as translated correctly (eighth article of faith).
Bruce R. McKonkie
We should each study the scriptures every day. Share the truths found in them with your children. Our children should learn to love the scriptures and use them regularly. If we desire to avoid the evils of the world, we must feed our minds with the truth and righteousness found in the scriptures. Your family will grow closer to God and to each other as you read and ponder the scriptures together. Prepare a plan for reading the scriptures together as a family. Choose a time of day that will be most convenient for your family to study together. Also, plan to study the scriptures on an individual basis. Implement your plan.
B. Utilize educational resources: Gain more knowledge and skill through the use of educational resources. We are living in the "information age" where expanding information about things of interest is more readily available than ever before. Learn how to take advantage of the resources around you as they relate to the Gospel, family, genealogy, occupation, hobbies, sports, leisure time and other areas of interest.
public libraries colleges institutes of religion
know your religion classes conferences special seminars
study courses the internet lds social services
genealogy libraries red cross special interest groups
A word of caution concerning educational resources. Remember, just because someone says a certain thing is true does not make it so. Similarly, just because something is in print does not make it true. Study combined with prayer will keep you on the right course toward truth. Special care should be used when utilizing the internet. It is a wonderful tool and is a source of vast amounts of information. However, there is much false and misleading information on the internet as well. Be selective about the web sites you choose and always question the source of the information.
C. Success in the job market: Become familiar with what it takes to be successful in obtaining the job of your choice. If you already have a successful career, these skills are still good to have fresh in your mind. You will no doubt be in a position to help others including your children, to acquire these skills. Your employment specialist has an excellent workbook and video which will take you step-by-step through the things you need to do to be successful in the job market.
The units are shown in table 4-F on page 51.
D. Teach children useful skills: By the time your children leave home, they should have acquired some basic skills that will help them get along in everyday life. Allow your children to help you with everyday tasks (even though it would be quicker and easier for you to do it yourself). Think of some of the things you do on a regular basis that would be necessary for your children to know if they were on their own. Consider each of your children separately and their ages. Choose at least two things you would like for each child to learn and then teach them these skills.
6. SOCIAL, EMOTIONAL, SPIRITUAL AND PHYSICAL HEALTH
A. Preventative medicine in the home: Preventative medicine is the best medicine. If we practice good habits of health in our homes, we will be able to avoid much sickness and injury. Discuss with your family areas of good health that you think are important for them. Identify ways you can improve your health and prevent disease and illness. Implement your ideas.
avoiding illness exercise annual checkups immunizations
stress obesity aging and vitality hospital use
keeping active medications diabetes allergies
vitamins arthritis proper rest colds
choosing a doctor dental care eye care pain & fever
sunburn sprains upset stomach skin cancer
minor wounds diaper rash lice & bedbugs ticks
mumps chicken pox measles headache
insomnia fatigue depression
Discuss at least three categories of preventative medicine and plan to improve in the areas chosen.
____________________________________________
____________________________________________
____________________________________________
B. Have family home evening: Set a goal to have regular family home evenings. There are many blessings directly associated with family home evening. Consider the following message from President Spencer W. Kimball: Family home evening is for everyone. It is for families with parents and children, for families with just one parent, and for parents who have no children at home. It is for home evening groups of single adults and for those who live alone or with roommates.
In the gospel plan families are forever. The greatest joys here and in the hereafter have their beginnings in happy homes where the gospel is taught and lived. I strongly encourage weekly family home evenings. Parents, draw your children around you and, with great love, teach them about the Savior and his commandments. Help them to develop individual strength and commitment to keep the laws of God. Build lasting family unity in a setting of learning and fun. In conducting family home evenings, be flexible so that you may be guided by the Spirit. Let prayer, music, the scriptures, and brotherhood be the essentials of your home evenings. Meet together either as parent-child families or as adults without children or families.
I promise that as you faithfully plan and hold quality family home evenings, you will gain strength to withstand the temptations of the world and will receive many blessings which will help qualify you to enjoy your families through eternity in the Celestial Kingdom. SPENCER W. KIMBALL
C. Increase church activity: The Presidents of the Church have always been appreciative of what the members of the Church do for good. However, we can all do more and we can perform our callings a little better. This was referred to by President Kimball as "Lengthening our Stride". Set some goals to increase your church activity and then implement your plan. We are all at different levels of activity. You may want your family to attend church more regularly as well as auxiliary meetings and activities. If you are active in these areas you may want to strive to attend the temple more frequently.
Church activity goals: ________________________________________________
________________________________________________
7. OPTIONAL GOLD STAR ITEMS
A. Plant fruit trees in your yard: Select the types of trees which grow well in your area and plant them in a location that gets plenty of sun. Plant trees which bear fruit that your family likes and will eat. If you already have fruit trees; take proper care of your next harvest and incorporate it in your normal diet and food storage.
B. Savings - two month's income: Save a total of two months income in the bank or safe liquid investment account.
C. Start a compost pile: Make certain that your compost pile is in a suitable location and not too near your garden area. Use the compost to enrich the soil content of your garden.
D. Learn how to use a wheat grinder: With a wheat grinder you can make better use of your basic food storage. You will be able to incorporate your food storage into your daily diet in significantly more ways. There are many recipes which can utilize the food products obtained from a wheat grinder. Wheat grinders come in either hand cranked or electric models.
E. Consistent daily prayer - six months: Have family prayer for at least 174 days out of 180
F. Consistent scripture study - six months: Study the scriptures for at least 174 days out of 180
G. Consistent family home evening - three months: Have family home evening for at least ten weeks out of twelve.
H. Obtain and maintain proper weight: One of the keys to physical health is maintaining proper weight. Excess weight or being physically out of shape can lead to many other health problems.
I. Learn how to freeze dry food: The method of freeze drying food can be most beneficial when planning your food storage and preparing fresh food for long term use. For a brief description of the process, see table 4-A on page 46.
J. Take the LDS employment program course. The Church has an outstanding course in how to prepare for and improve your employment. See your ward or stake employment specialist for details and take the course. An outline of the course is provided in schedule 4-F on page 50. The course can be completed at your convenience.
TABLE 4-A
ADVANTAGES AND DISADVANTAGES
OF TYPES OF FOOD STORAGE
The table below gives a comparison of the various types of food storage relative to taste, nutritional value, shelf life, storage space, variety, preparation time, and cost.
DEHYDRATION PROCESS - This method involves the processing of food at elevated temperatures. Much of the water is removed, the food's cell structure breaks down, the food shrivels and is finally dehydrated. The food must then be soaked and cooked for up to one hour before it is re-hydrated and ready to eat.
FREEZE-DRYNG PROCESS - The technical term for freeze-drying is sublimation. By this process the water contained in foods is converted from a solid (ice) to a gas (water vapor) while in a freeze-drying chamber. Freshly prepared food is flash frozen to a low temperature. It is then placed in a chamber where an almost complete vacuum is drawn. By obtaining this vacuum the ice in the food is removed directly as vapor, leaving a completely dry product that retains its' shape, color, etc.
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Note: The ratings shown above are only a general guideline, as many of the areas are subject to individual preferences.
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TABLE 4-B
PLAN FOR DEBT REDUCTION
Name of Creditor _________________________________________________________________
Total Amount of Debt $____________________________________________________________
Reduction Goal This Year $_________________________________________________________
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__________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ |
__________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ |
__________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ |
__________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ __________ |
"Charges" include finance charges and should include additional purchases for the month, if any. This figure will appear on the subsequent billing and, therefore, can be entered at time of the next payment.
In choosing the type of policy, consideration must be given to the need which is being filled; e.g., estate creation, payment of death taxes, business buy-outs, etc.
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TYPE |
DESCRIPTION |
ADVANTAGES |
DISADVANTAGES |
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DECREASING TERM |
Level premium, decreasing coverage, no cash value |
Good for covering obligations which reduce with time. No increases in premium. |
Cannot be renewed at end of term period. |
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ANNUAL RENEWABLE TERM |
Increasing premium, level coverage, no cash value. |
Coverage does not reduce. Can be renewed to age 65 or later. |
Premiums become prohibitive as age increases, reducing chances of staying in force. |
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LEVEL TERM |
Premium stays level for 5 to 20 years. Level coverage, no cash value |
Coverage does not reduce. May be renewable well past age 65. |
Renewal premiums increase sharply at each renewal, particularly at older ages. |
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WHOLE LIFE |
Level premium, level coverage, cash values. |
Good for long term obligations, assuring coverage in place at time of death. |
Premiums are higher than all other types of policies; earnings on cash values not always competitive. |
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UNIVERSAL LIFE |
Level or adjustable premium, level or adjustable coverage, cash values. |
Changes can be made in plan over lifetime to better suit current needs of insured person. |
High interest rates are not guaranteed and if not maintianed, could affect integrity of the plan. |
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VERIABLE LIFE |
Level or adjustable premium, level or adjustable coverage, cash values |
Owner can control the earnings of policy by making good investment decisions. |
If good decisions are notmade, the prpotection provided may be affected. |
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SINGLE PREMIUM WHOLE LIFE |
Entire premium is paid at purchase, cash values, level coverage |
Good for passing assets on to next generation; no risk of loss of coverage. |
Death benefit is very low relative to the premium paid. |
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SECOND TO DIE POLICY |
Level of adjustable premium, cash values, pays only at death of second to die. |
Suitable for payment of death taxes which are deferred until the death of the second spouse. |
No benefits are paid until the second spouse dies. |
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TABLE 4-D
ITEMS AND INFORMATION
FOR FIRE-PROOF STORAGE BOX
______ Birth Certificates
______ Marriage Certificates
______ Social Security Cards
______ Copy of latest will
______ Insurance Policies
______ Property Deeds
______ Business Agreements
______ Employment Agreements
______ Personal Loan Documents
______ List of all active Bank Accounts
______ List of all stocks and other securities
______ List of credit card accounts, with numbers and addresses
______ Copies of last 7 years Income Tax Returns
______ Family History Records
______ Funeral and Burial arrangements and requests
Lawyer's Name: __________________________________________________________________
Address: __________________________________________________________________
Executor's Name: _________________________________________________________________
Address: __________________________________________________________________
Insurance Agent's Name: ___________________________________________________________
Address: __________________________________________________________________
Automobile Insurance Company: _____________________________________________________
Policy Number: _____________________________________________________________
Property Insurance Company: _______________________________________________________
Policy Number: _____________________________________________________________
TABLE 4-E
THE INVESTMENT PYRAMID
Art
Metals
Options
Gem Stones
Commodities
Explorations/R&D
SPECULATIVE
Growth Stocks
Variable Life
Variable Annuities
Growth Mutual Funds
Investment Real Estate
GROWTH
Conservative Equities
Sale of Covered Options
Residence - Retirement Plans
G.N.M.A. - Producing Properties
U.S. Government Notes and Bonds
Corporate Bonds / Municipal Bonds
Zero Coupon Bonds Fixed Annuities
SECURE
Savings / T- Bill Accounts
Life Insurance Cash Value
Money Market Funds and Accounts
LIQUID FOUNDATION
An investment program should be built like a pyramid &endash; with a strong, broad base. The investment types shown at the lower levels should be established before going to the more speculative investments. Also, the percentage allocation to each area should be arranged as follows:
Speculative 5 - 10%
Growth 20 - 30%
Secure and Liquid 40 - 70%
Unit 1 &endash; Getting Started
This unit introduces five keys to success in a job search. It will help you prepare for job hunting, manage your emotions, express yourself appropriately, prepare a budget and plan your work schedule.
Unit 2 &endash; Looking at Options
You will assess your preferences, interests, skills and accomplishments in this unit. You will also learn to transfer your abilities and experience into a variety of career options.
Unit 3 &endash; Applications and Resumes
This unit teaches the do's and don'ts of filling out employment applications. It also presents keys to writing an effective resume. When you finish the unit, you'll have a sample application and a good first draft of your resume.
Unit 4 &endash; The Game Plan
This unit discusses the basic plays for finding a job: responding to ads, working with employment agencies, approaching companies and networking. You'll learn to combine these basic plays into an effective game plan.
Unit 5 &endash; Telephone Skills
When you complete this unit, you will know how to make three types of job-hunting calls: information calls, networking calls and follow-up calls. You will also learn principles that add polish and power to your telephone contacting.
Unit 6 &endash; Interviewing
The do's and don'ts of interviewing are presented in this unit. You will learn to make a positive first impression, answer questions effectively, ask questions that show interest and follow-up after interviews.
Employment Goals and Notes:
__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
Top of Page • Table of Contents
THE FREEDOM AWARD - LEVEL FIVE
PURPOSE: The purpose of this level is to gain experience in using the skills learned in levels three and four and to increase the stored provisions for your family from six months to a year. You will also increase your skills in all areas of self-sufficiency.
OBJECTIVES:
1. REVIEW AND UPKEEP
Review all objectives in levels one, two, three and four and insure they are still in place, functioning and in good condition.
2. HOME STORAGE
A. Expand your food storage system to accommodate a one year's supply: In level four, you added to your food storage program enough items to provide adequate supplies for six months. For this level, increase your food storage by an additional six month's supply. If you continue to use basic storage items to fulfill this requirement, the following amounts need to be added per person:
Grains & Legumes: 150 to 200 pounds
Powdered Milk: 50 pounds
Salt: 2.5 pounds
Sugar & Honey: 50 pounds
B. Expand your garden: Your ultimate objective should be to include enough items in your garden to be able to supply your family's needs of those items planted for the growing season. This requires planting enough different crops and in sufficient quantity to give the variety of diet desired by your family.
C. Properly store surplus garden produce: Once vegetables and fruits are harvested, they must be consumed within a few days or preserved and stored for future use. If your garden is of any size, it is most likely that you will have more than you can eat while the produce is fresh. Although you will probably share some of your harvest with friends and neighbors, what remains can be stored for later use.
The various forms of storage include canning (water bath and pressure cooker method), freezing, and dehydrating. Study these types of storage and decide which of the methods is most suitable to your situation and for the foods you are preserving. Preserve the foods harvested from your garden by the method you have selected.
If you are a novice, the freezing method is the simplest; retains more flavor and nutrients, and has the lowest equipment cost (assuming you have available freezer space). Canning is advantageous for processed foods (baked beans, sauerkraut, applesauce, soups, etc.) and fruits and vegetables (apples, peaches, apricots, etc.). Canned items can be ready to eat quickly and can be easily used for snacks as well as regular meals.
3. HOME PRODUCTION AND RESOURCE MANAGEMENT
A. Sewing: Use your sewing skills to make two items other than clothing that are used in the home such as a quilt, a slipcover, curtains, etc.
____________________________________________________
____________________________________________________
B. Home Improvement: Complete at least two more projects from your home improvement list.
______________________________________________________
______________________________________________________
4. FINANCIAL RESOURCE MANAGEMENT
A. Reduce consumer debt: From the analysis of your balance sheet and outstanding debts, reduce the amount of consumer debt carried by your family. The ultimate goal is the elimination of all debt other than debts assumed for the purchase of a home or to further education. Interest never sleeps or takes a vacation and is constantly working against you. If your liquid dollars are earning a lower interest rate than the net cost of your consumer debt borrowing, you may be better off to use a portion of your liquid dollars to reduce your debts.
From the balance sheet you prepared for level three, fill out Table 5-A on page 59 with the names of each creditor and the total amount owed to each of them. Set goal for the debt reduction desired and keep track of the progress made. Remember that any new charges must be paid in full in addition to the payment being made towards open balances in order to reduce your debt.
B. Secure adequate life insurance: Secure the amount of life insurance needed to permit your family to maintain their current lifestyle in the event of the death of the primary breadwinner. There are numerous methods available for determining the proper amount of life insurance you need. There is not an exact or best method since there are many variables and unknowns. Table 5-B on page 60 shows one of the methods for determining your life insurance needs.
If the husband and wife are both employed, repeat Table 5-B for both spouses. Also give consideration as to whether the surviving spouse would work after the death of the other spouse. It is also a good idea to have life insurance for a non-working spouse.
C. Review sources of retirement income: Retirement should be a time to enjoy life, not a time to worry about making ends meet. We all know that Social Security will not supply all of our retirement needs. Even employer-provided plans don't always supply us with the income needed at retirement. Those who are self-employed will need to set up their own retirement plans. Without good planning you won't know when you could retire or what type of lifestyle you will be able to enjoy.
Using Table 5-C on page 61, list the sources of retirement income available to you. Some of the amounts may need to be estimated. Review any current or previous employer provided plans to determine what benefits you will be eligible for and at what age.
Using Table 5-D on page 62, calculate additional capital needed to meet your retirement income objective. The monthly deposits needed to achieve your goal can then be determined from filling out Table 5-E on page 63.
Choose wisely what type of investments you direct your retirement plan funds into. Speculative investing should be avoided. The money you invest needs to be secure so that it will be there during retirement. Use tax-deferred or tax-deductible programs whenever available. These come in the form of keogh plans, IRA accounts, annuities etc. Be sure your investments are keeping pace with inflation.
5. EDUCATION AND EMPLOYMENT
A. Read good books: Select a good book that you have always wanted to read. Set a goal for completing the book and implement your plan.
B. Improve scripture study: Scripture study, like any other skill will improve as we practice it. There are certain things we can do to get more knowledge and understanding out of what we read. Proper preparation will open the channels of communication with the spirit of the Lord. We will then be able to search for answers to questions and seek for guidance from the scriptures.
Elder Gene R. Cook has outlined the steps necessary to receive the most out of scripture study. These steps are outlined in table 5-F on page 64. Implement these steps to the best of your ability in your scripture reading. Note any positive feelings, insight, direction, etc. you received by following these steps.
C. Employment improvement: Think about taking the next step in your profession. This may include working toward a promotion, expanding your business or even switching careers to pursue greater opportunities. It may take one, two or even more years to do this. Formal advanced training or additional education may be necessary to achieve your goal. Once again, your ward and stake employment specialists have many resources to help. When you have prayerfully determined what your goal is, the employment specialists can be contacted to see what steps should be taken to help you toward your vocational goals. Set a time table for accomplishing your career improvement goals.
6. SOCIAL, EMOTIONAL, SPIRITUAL AND PHYSICAL HEALTH
A. Observe the word of wisdom: Read D&C Section 89 with your family. Discuss with them the following paragraphs by Bruce R. McKonkie. Explain to your children what the commandment is, and why we must live this law. Prayerfully consider how you approach this topic with your children so that you will be able to discuss those things which will keep them away from harmful substances as they grow and mature in life. Your approach and emphasis may vary from child to child.
D & C Section 89 is known as the word of wisdom. Its affirmative provision gives direction for the use of meat and grain. Three types of things are prohibited by the word of wisdom --- tobacco, strong drinks and hot drinks. By strong drinks is meant alcoholic beverages; hot drinks mean tea and coffee. We are commanded to abstain from these things. When decisions are made relative to the granting of temple recommends or approving persons for church positions or ordinations, inquiry is made relative to these four items. However, there are many other substances which have a harmful effect on the human body, though they may not be specifically mentioned in Section 89. Harmful drugs of any sort are in a like category.
Some unstable people become cranks with reference to this law of health. There is no prohibition for instance, as to the eating of white bread, using white flour, white sugar, cocoa, chocolate, eggs, milk, meat, or anything else except items classified under the headings of coffee, tobacco, and liquor. As a matter of fact, those who command that men should not eat meat, are not ordained of God, such counsel being listed by Paul as an evidence of apostasy (1 Tim 4:3). The word of wisdom is only a small part of the revealed truth relative to health and the use of food and drink. Consider D & C 59:16-20.
Obedience to this divine law brings many temporal and spiritual blessings. Physical well-being and increased temporal prosperity are among the temporal advantages. In the spiritual field, those who observe this law "shall find wisdom and great treasures of knowledge, even hidden treasures." (D&C 89:19). In other words, through the cleanliness resulting from keeping this law, the saints will qualify for the companionship of the Holy Spirit, with great spiritual endowments coming as a result thereof. Bruce R. McKonkie
Live the Word of Wisdom: The benefits of living the Word of Wisdom have been proven both spiritually and secularly. As usual, man's thinking is far behind the wisdom of the Lord. When the Word of Wisdom was first revealed, the prohibited substances were not proven to be harmful. Today, living the Word of Wisdom has sound medical backing. There is no credible argument against the Word of Wisdom even though "conspiring men" persist in trying to persuade us to use harmful substances. We have been warned and forewarned through the Word of Wisdom.
B. Healthy diet and nutrition: Discuss and teach your family the principles of a healthy diet. Eating a healthy diet is the best prevention of the "lifestyle diseases" which are harming our society. Follow the food guide shown in table 5-G on page 65 and plan four weeks of balanced menus. Obtain family input when planning your menus. Prepare and serve these meals. Evaluate improvements in health and energy among family members.
C. Learn home health skills: Discuss with your family some things you can do at home to learn health skills or to become familiar with special medical conditions of family members. The list below may be helpful in giving you ideas but is by no means complete. Choose at least three areas of home health. Formulate a plan for increasing your knowledge in those areas. Implement your plan.
accident prevention dental health safety
environment quality physical fitness home nursing
weight control sanitation medical care
Alzheimer's disease mental illness
Areas of interest to our family:
________________________________________________________
_________________________________________________________
__________________________________________________________
7. OPTIONAL GOLD STAR ITEMS
A. Savings - six month's income: Put aside a total of six months income in a liquid savings or secure investment account. This should be in addition to what is being set up by the supplemental retirement accounts in step 4-C.
B. Use a food dehydrator: Learn to use a food dehydrator to prepare fruits and vegetables purchased in bulk or produced in your garden. Dehydration preserves most of the nutrients in the food. One major advantage of dehydrated food is that it can be stored at room temperature.
C. Make funeral and burial arrangements: Make arrangements with a cemetery and mortuary for funeral and burial for you and your spouse. Plan ahead to avoid excessive costs. Planning early will give you time to compare prices. You will probably pay excessive prices for items such as caskets, burial sites and other arrangements if you wait until the need arises. Prepare any specific requests for funerals such as music, speakers etc. in a separate writing. Keep these writings where they will be easy to find (preferably in your important documents box discussed in level four of this guidebook).
D. Consistent daily prayer - one year: Have family prayer for at least 353 days out of 365.
E. Consistent scripture study - one year: Study the scriptures for at least 353 days out of 365.
F. Consistent family home evening - six months: Have family home evening at least twenty weeks out of twenty-four.
G. Implement an exercise program: Choose and implement a program of regular exercise. Be sure your plan fits your current physical condition and is approved by your doctor.
The Church sponsors a physical fitness program which can be adapted to individual requirements. It is complete with awards that can be earned for achievement. See your stake or ward health and fitness advisor for more information.
H. Take a course of study to improve vocational skills: Take a course, seminar or lecture series which will improve your vocational skills.
TABLE 5-A
OUTSTANDING CONSUMER DEBTS
|
|
|
|
|
|
|
_________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ |
_________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ |
_________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ |
_________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ |
_________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ _________ __________ |
|
TOTALS |
|
|
1. List all outstanding debts, including mortgage debt if your goal is to accelerate payment of your mortgage.
2. Include interest rate being paid and the monthly payments.
3. Prioritize the loans by ranking them in order that you want them paid off. This priority most likely will take into consideration to pay off the highest interest rate loans first.
4. Some loan consolidation could be considered, especially if some of the loans have available credit at lower interest rates than being paid on other loans. Consideration should also be given to the tax-deductibility of home loans and the viability of using second trust deeds to consolidate the non-deductible loans.
TABLE 5-B
HOW MUCH LIFE INSURANCE IS
ENOUGH?
|
1. ANNUAL LIVING EXPENSES OF SURVIVORS |
$_____________ |
|
|
2. LESS EXPECTED ANNUAL BENEFITS |
$_____________ $_____________ $_____________ |
|
|
TOTAL EXPECTED ANNUAL BENEFITS |
$_____________ |
|
|
3. NET LIVING EXPENSE SHORTAGE |
$_____________ |
|
|
4. AMOUNT OF CAPITAL REQUIRED TO PRODUCE LIVING EXPENSE
SHORTAGE |
$_____________ |
|
|
5. PLUS OTHER LUMP SUM EXPENSE |
$_____________ $_____________ $_____________ |
|
|
TOTAL LUMP SUM EXPENSE |
$_____________ |
|
|
6. TOTAL CAPITAL REQUIRED |
$_____________ |
|
|
7. LESS PRESENT CAPITAL |
$_____________ $_____________ |
|
|
TOTAL PRESENT CAPITAL |
$_____________ |
|
|
8. AMOUNT OF INSURANCE TO BE ADDED |
$_____________ |
(1) No payment to surviving spouse under 60; payments to surviving spouse age 60 or older range between an average of $4,000 per year and a maximum of $6,000; payments to a surviving spouse with two minor children would range between an average of $11,000 per year and a maximum of $15,000. (approximate figures)
|
POTENTIAL SOURCES |
PROJECTED INCOME |
|
1. Social Security 2. Veterans Benefits 3. Company Pension 4. Keogh Plans 5. IRA Accounts 6. Annuities 7. Cash Values 8. Savings Interest 9. Corporate Bonds 10. Municipal Bonds 11. Stock Dividends 12. Net Rental Income 13. Real Estate Partnership 14. Oil Income Funds 15. Royalties 16. Deferred Comp 17. Sale of Assets 18. Part-time Work 19. Other 20. Other |
$__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ $__________________________________ |
|
TOTAL RETIREMENT INCOME |
$__________________________________ |
Top of Page • Table of Contents
TABLE 5-D
PROJECTED RETIREMENT NEEDS
A. Projected Income Source Projected to Age __________ 1. Pension/Profit Sharing Plan 2. IRA Contributions 3. Keogh Contributions 4. Other Current Investments _____________________ $__________ @ _____% =
$___________ _____________________ $__________ @ _____% =
$___________ _____________________ $__________ @ _____% =
$___________ _____________________ $__________ @ _____% =
$___________ _____________________ $__________ @ _____% =
$___________ 5. Other Continuing Deposits _____________________ $__________ @ _____% =
$___________ _____________________ $__________ @ _____% =
$___________ B. Projected Total Capital Accumulated at Retirement
Age C. Amount of Capital Required to Meet Retirement Income
Objective D. Shortage of Capital (or Excess) $___________ $___________ $___________
Current Amount $__________ @ _____% = $___________
Continuing Deposits $__________ per year @ _____% =
$___________
Current Amount $__________ @ _____% = $___________
Continuing Deposits $__________ per year @ _____% =
$___________
Current Amount $__________ @ _____% = $___________
Continuing Deposits $__________ per year @ _____% =
$___________
(Sum of Items in A.)
To Meet Income Objective (C minus B)
In Section A above, calculate compounding of current amount and continuing deposits projected to retirement age. Requires the use of compound interest tables.
Amount of capital to fill out Item C is the amount of capital required by you at retirement age to provide you with your desired income level.
TABLE 5-E
ACCUMLATING NEEDED CAPITAL
|
SHORTAGE OF CAPITAL TO MEET RETIREMENT INCOME OBJECTIVES |
$____________ |
|||||
|
Number of Years to Accumulate Needed Capital |
to Accumulate One Dollar at a Future Time at Various Rates. |
|||||
|
|
|
|
|
|
|
|
|
4 6 8 |
.2285 .1432 .1016 |
.2219 .1362 .0940 |
.2154 .1296 .0874 |
.2091 .1232 .0813 |
.2002 .1142 .0728 |
.1862 .1007 .0606 |
|
12 14 16 18 |
.0592 .0475 .0389 .0323 |
.0526 .0412 .0329 .0267 |
.0467 .0357 .0278 .0219 |
.0414 .0308 .0233 .0179 |
.0344 .0246 .0179 .0131 |
.0252 .0168 .0114 .0078 |
|
22 24 26 28 |
.0230 .0196 .0169 .0145 |
.0180 .0149 .0125 .0104 |
.0140 .0112 .0091 .0074 |
.0108 .0084 .0066 .0052 |
.0072 .0054 .0040 .0030 |
.0036 .0025 .0017 .0012 |
|
32 34 36 38 |
.0110 .0095 .0083 .0073 |
.0074 .0063 .0053 .0045 |
.0049 .0040 .0033 .0027 |
.0032 .0026 .0020 .0016 |
.0017 .0013 .0009 .0007 |
.0005 .0004 .0002 .0001 |
|
FORMULA |
||||||
|
CAPITAL REQUIRED AT RETIREMENT FACTOR (from above Table) ANNUAL DEPOSIT NEEDED TO ACHIEVE GOAL MONTHLY DEPOSITS NEED (Annual / 12) |
|
$____________ $____________ $____________ $____________ |
||||
Top of Page • Table of Contents
TABLE 5-F
GEETING THE MOST FROM SCRIPTURE
STUDY
Before reading the scriptures:
1. Prepare your heart, mind, and soul to feel, to be written upon, to be directed.
2. Find a solitary place.
3. Pray&emdash;expressing love and gratitude to God and others.
4. Maintain an intense desire to know the Lord's will for you and hear His voice.
5. Have faith and confidence the Lord will speak to you. Doubt not! Fear Not! Be believing!
6. Be concentrated in solemnity of thought.
7. Fast as needed to clear mind.
While reading the scriptures:
1. Concentrate on each word&emdash;going forth slowly.
2. Don't just read, but listen intently for whisperings, impressions, instruction & illumination.
3. Don't read passages lightly&emdash;they are sacred words.
4. Ask questions of self continually, i.e.: Why, when, how, where, what?
5. Imagine the circumstances or situation being described as if you were there.
6. Recognize the hand of the Lord in the lives of those in the scriptures and then relate them directly to your life.
7. Live what you learn and more will be immediately given to you.
8. Listen, as your mind will be directed to other passages.
9. Search for principles, don't just read the story.
10. Record important ideas, thoughts, and principles revealed to you and review them periodically.
11. Mark and color important passages.
12. Search and cross reference important passages.
13. Memorize important passages.
14. Determine how and when to teach passages to others.
15. Don't be prideful of what you are learning or know.
-Elder Gene R. Cook
PURPOSE: To insure ongoing self-reliance for your family. To provide opportunities for your family to assist others to achieve self-reliance. This award can be earned once each year by maintaining and increasing your skills and helping others acquire the skills you have learned.
OBJECTIVES:
1. MEET ALL OF THE REQUIREMENTS OF THE FREEDOM AWARD (LEVEL 5) FOR A PERIOD OF ONE YEAR.
Continue to work on the skills you developed to earn the Freedom award. Work to complete any optional gold star items of interest to you. Expand your skills in the areas of home resource management by doing things you have not previously done or had experience in.
Date Completed____________________
2. BE ACTIVE IN YOUR WARD OR STAKE PREPAREDNESS PROGRAM.
By the time you achieve level five you will have gained valuable skills in self-reliance and will be in a position to help others in many areas. Assist in ward or stake preparedness activities by participating in seminars, homemaking nights or other activities related to family self-sufficiency. You will find great satisfaction in helping others achieve the goal of being self-reliant.
Date Completed____________________
3. OPTIONAL GOLD STAR ITEMS:
A. Consistent family home evening: Have family home evening at least forty-six weeks out of fifty-two.
Our family has completed the above requirements and qualifies for the diligence award.
Signed_______________________________________ Date ____________
TOPICAL
APPENDIX
AND
CERTIFICATE CHECK LIST
|
EMERGENCY PREPAREDNESS |
||
|
LEVEL ONE LEVEL TWO |
____________ ____________ ____________ ____________ ____________ ____________ |
____________ ____________ ____________ ____________ ____________ ____________ |
|
Our family has completed the above requirements and qualifies for a certificate in emergency preparedness. Signed_______________________________________ |
Date ____________ |
|
|
HOME STORAGE |
||
|
LEVEL THREE LEVEL FOUR LEVEL FIVE |
____________ ____________ ____________ ____________ ____________ |
____________ ____________ ____________ ____________ ____________ |
|
Our family has completed the above requirements and qualifies for a certificate in emergency preparedness. Signed_______________________________________ |
Date ____________ |
|
|
OPTIONAL GOLD STAR ITEMS |
____________ ____________ ____________ ____________ ____________ ____________ |
____________ ____________ ____________ ____________ ____________ ____________ |
|
HOME PRODUCTION AND RESOURCE MANAGEMENT |
||
|
LEVEL THREE LEVEL FOUR LEVEL FIVE |
____________ ____________ ____________ ____________ ____________ ____________ ____________ ____________ |
____________ ____________ ____________ ____________ ____________ ____________ ____________ ____________ |
|
Our family has completed the above requirements and qualifies for a certificate in emergency preparedness. Signed_______________________________________ |
Date ____________ |
|
|
OPTIONAL GOLD STAR ITEMS |
____________ ____________ ____________ |
____________ ____________ ____________ |
|
FINANCIAL RESOURCE MANAGEMENT |
||
|
LEVEL THREE LEVEL FOUR LEVEL FIVE |
____________ ____________ ____________ ____________ ____________ |
____________ ____________ ____________ ____________ ____________ |
|
Our family has completed the above requirements and qualifies for a certificate in emergency preparedness. Signed_______________________________________ |
Date ____________ |
|
|
OPTIONAL GOLD STAR ITEMS |
____________ ____________ ____________ ____________ ____________ |
____________ ____________ ____________ ____________ ____________ |
|
EDUCATION AND EMPLOYMENT |
||
|
LEVEL THREE LEVEL FOUR LEVEL FIVE |
____________ ____________ ____________ ____________ ____________ ____________ |
____________ ____________ ____________ ____________ ____________ ____________ |
|
Our family has completed the above requirements and qualifies for a certificate in emergency preparedness. Signed_______________________________________ |
Date ____________ |
|
|
OPTIONAL GOLD STAR ITEMS |
____________ ____________ ____________ ____________ ____________ |
____________ ____________ ____________ ____________ ____________ |
|
SOCIAL, EMOTIONAL, SPIRITUAL AND PHYSICAL HEALTH |
||
|
LEVEL THREE LEVEL FOUR LEVEL FIVE |
____________ ____________ ____________ ____________ ____________ |
____________ ____________ ____________ ____________ ____________ |
|
Our family has completed the above requirements and qualifies for a certificate in emergency preparedness. Signed_______________________________________ |
Date ____________ |
|
|
OPTIONAL GOLD STAR ITEMS |
____________ ____________ ____________ ____________ ____________ ____________ ____________ ____________ |
____________ ____________ ____________ ____________ ____________ ____________ ____________ ____________ |