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Guidebook to Self Reliance

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Guidebook to Self-Reliance

Table of Contents

Message from the Stake Presidency ............................................................................2
About this Guidebook ..................................................................................................3
Level One – Protector Award ......................................................................................5
Level Two – Survivor Award ......................................................................................9
Level Three – Provider Award.....................................................................................18
Level Four – Reliance Award ......................................................................................34
Level Five – Freedom Award ......................................................................................50
Level Six – Diligence Award .......................................................................................63
Appendix & Certificate Checklists .............................................................................. 64




                                                           1
Lakewood Washington Stake

Dear Brothers and Sisters,

We care about you. We have a great concern for all for the members of our stake and for our ability to cope
in this extremely busy and stressful world in which we live. We believe that the way to have the Spirit of the
Lord and the joy and comfort that comes with that Spirit is achieved through obedience to the
commandments of the Lord and through following the counsel and guidance of the Prophet and the leaders of
the Church.

In the welfare manual, Providing in the Lord’s Way, we read… “We are the children of a Heavenly Father,
and we rely upon Him to sustain us in all that we do. All things on earth and in heaven belong to him, and he
has given us everything we have – our talents and abilities as well as our material goods. He has given us a
stewardship over the things with which he has blessed us. He never forsakes us, but He does not do for us
what we can do for ourselves. He has commanded us to use the things we receive from Him to take care of
our families and ourselves. When we do so, we are self-reliant.”

We want to recommend this “Guidebook to Self-Reliance” as a tool for you and your family to utilize in your
efforts to become self-reliant. We believe that through reading and applying the many practical suggestions
and counsel given in this guidebook you can achieve the goal of complete self-reliance. This book can assist
you in everything from meeting your needs in temporary emergency situations, such as a 72 hour emergency,
all the way through having and maintaining a full one-year supply of food and other items necessary to
sustain yourself and your family in a long-term emergency situation. Use of this guidebook can assist you in
applying the gospel principles to managing your resources and to improving your situation in life. In short,
through careful study and use of this guidebook, you and your family can become totally self-reliant and
enjoy the great peace and comfort that comes with that security.

We sincerely encourage you to take this guidebook, read it together as a couple and as a family, and then, in
the memorable words of our past beloved Prophet Spencer W. Kimball, “Do It!” We cannot overemphasize
the importance of being self-reliant in today’s world. We are grateful to the Santa Clarita Stake who
originally produced this “Guidebook” and has graciously allowed us to use it. We are also appreciative of
Brother Jason Pace’s efforts in reformatting the “Guidebook” for our needs.

We pray for the Lord’s blessings to be with you and your family as you strive to follow the counsel and
guidance of the many Prophets and Church leaders who have urged us to be a self-reliant people. To theirs
we add our testimony of the importance of being better prepared to meet the many challenges and difficulties
that this glorious life will present us with. We love you and leave our blessing with you.



                                                          Your brethren,


                                                          The Lakewood Stake Presidency




                                                      2
ABOUT THIS GUIDEBOOK
"We are children of a Heavenly Father, and we rely upon him to sustain us in all that we do.
However, he does not do for us what we can do for ourselves. He has commanded us to use the
things we receive from him to take care of our families and ourselves. When we do so, we are
self-reliant."

LEADER'S GUIDE TO WELFARE
Being self-reliant is the core of the welfare program. Church members who have planned and
prepared to take care of themselves and their future needs have heeded the Lord's warnings and
have greater independence and abilities to care for themselves and their families no matter what
circumstances or events may occur in the future. This guidebook is designed to help you achieve
self-reliance.

Achieving total self-reliance will not happen overnight. It takes planning and time. The Lord has
promised us that we can do it. This guidebook addresses the categories of self-reliance and is
formatted in a step-by-step process to help each member reach the goal of self-reliance.
Recognizing that everyone is limited in the amount of time, money and other resources available
to them each month, the categories are broken down into six levels. We have organized the
category objectives as to their priority by level.

First, review all the objectives in all six levels and check off the objectives you have already
achieved. You will then have an idea where you stand as a self-reliant individual or family. Then
start at level one and complete any remaining objectives. After all objectives of level one are
complete, continue on to level two and so forth. When you have completed a level, you will be
eligible for an award for that level. Each level has "objectives" and "optional gold star items".
Completion of the objectives is required for an award. Optional gold star items are things you
may wish to do to fortify your self-reliance. Additional recognition is given for completing gold
star item.

This is a guidebook to self-reliance. As such, the objectives needed to obtain self-reliance are
discussed. Practical implementation and detailed instructions are not included. We encourage
families to structure the program implementation to their individual circumstances. Your ward
welfare committee, priesthood quorums and Relief Society will provide their members with
particular information and hands-on experience and knowledge through their regular meetings,
special seminars, homemaking nights, etc. The stake welfare committee is also available for
assistance.

There are six categories of self-reliance in this guidebook. Some members may want to "move
ahead" or "specialize" in certain categories or objectives. The appendix of this guidebook
consolidates all objectives by category. Use the appendix to keep track of your progress in a
given category. When you have completed all the objectives in a category, you will be eligible
for a certificate in that category. The six categories and the overall purpose of each are shown
below:


                                               3
EMERGENCY PREPAREDNESS
Each family needs to be prepared to sustain themselves for a period of at least 72 hours in the
event of a physical disaster. It may be at least 72 hours before help can arrive and resources will
again be available. Stores may not be opened or destroyed and public services as well as utilities
may be interrupted or simply not available after a disaster. We will be dependent on ourselves to
care for our physical needs and the protection of individuals and property immediately following
a disaster. Levels one and two of this guidebook consist of the "ten by ten" program which
includes the basics in preparation for a physical disaster.

HOME STORAGE

Each person or family should produce as much as possible through gardening. We should learn
techniques of home canning, freezing and drying foods, and where legally permitted, should
store and save a one-year supply of food, clothing, and if possible, fuel.

HOME PRODUCTION AND RESOURCE MANAGEMENT
Each person or family should produce as much as possible through sewing, and making
household items. Families should learn to properly care for, make simple repairs to and improve
their home and property. Family members should practice resource conservation and learn to use
food storage products in making regular meals.

FINANCIAL RESOURCE MANAGEMENT

The prepared person should establish financial goals, pay tithes and offerings, avoid debt, wisely
use and preserve economic resources, and save during times of production for times of non-
production. Proper preparedness includes provisions for adequate insurance.

EDUCATION AND EMPLOYMENT
The prepared person reads, writes and does basic mathematics; regularly studies the scriptures
and other good books; and uses local resources to teach these skills and habits to all family
members. Parents and children should take advantage of public and other educational
opportunities. We should prepare ourselves to qualify for better employment or business
opportunities by obtaining and increasing vocational skills.

SOCIAL, EMOTIONAL, SPIRITUAL AND PHYSICAL HEALTH

Each person should build spiritual strength so they can meet life's challenges and stresses with
confidence and stability by learning to love God and communicate with Him through personal
prayer, by learning to love and serve his neighbor, and by learning to love and respect himself
through righteous living and self mastery. Each family should understand that social-emotional
and spiritual strength is a blessing that results from obedience to revealed principles of family
living.


                                                4
Every individual should obey the Word of Wisdom and practice sound principles of nutrition,
physical fitness, weight control, immunization, environment quality and sanitation, mother and
child health, accident prevention, dental health, and medical care. In addition, each member
should acquire appropriate health-related skills in first aid and safety, home nursing, and food
selection and preparation.




                    THE PROTECTOR AWARD - LEVEL ONE

OBJECTIVES                                                              DATE COMPLETED
1.                          FLASHLIGHTS, SHOES AND
                            GLOVES                                              _____________
                            A. Place a flashlight by each bed.
                            B. Place shoes and gloves by each                   _____________
                            bed.
2.                          GAS VALVE SHUTOFF
                            Provide for gas valve emergency                     _____________
                            shutoff.
3.                          WATER AND ELECTRICITY
                            SHUTOFF
                                                                                _____________
                            A. Locate main fuse box and be able
                            to shut off electricity.
                                                                                _____________
                            B. Locate water main and be able to
                            shut off water.
4.                          EMERGENCY COMMUNICATION                             _____________
                            A. Establish out-of-state contact.
                            B. Establish local message drop.                    _____________
                            C. Become familiar with ward and
                            neighborhood emergency plans.                       _____________
5.                          TRAIN FAMILY MEMBERS IN:
                                                                                _____________
                            A. Home emergency preparation.
                            B. "Away from home" emergency
                                                                                _____________
                            procedures.
                            C. Automobile safety and accident
                                                                                _____________
                            procedures.

Our family has completed the above requirements and qualifies for the protector award.

Signed___________________________________ Date _____________




                                               5
                    THE PROTECTOR AWARD - LEVEL ONE
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. Electricity may be out after a natural disaster and a flashlight
will provide needed light. Place a flashlight by each bed so that family members will have them
available when needed. Check batteries periodically.

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 leatherwork 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. The gas company or knowledgeable plumber should install
these devises.

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, and 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

                                                 6
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 family members 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.




                                                 7
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 bookcases, 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 that 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.


                                                  8
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.




                              THE SURVIVOR AWARD
                                   LEVEL TWO
OBJECTIVES                                                               DATE COMPLETED
** REVIEW AND UPKEEP _____________
1.                 SECURE HOT WATER HEATER
                                                                                _____________
                   Secure hot water heater to a solid object.
2.                 FIRE SAFETY                                                  _____________
                   A. Place fire extinguishers in strategic
                   places.                                                      _____________
                   B. Place smoke alarms in critical places.
                   C. Prepare for fire emergencies.                             _____________
                   D. Know the basics of fire emergency
                   response.                                                    _____________
3.                 WATER AND FOOD STORAGE
                                                                                _____________
                   A. Store fourteen days of water per
                   person.
                                                                                _____________
                   B. Set up a rotation system for food.
4.                 FIRST AID KIT AND TRAINING
                                                                                _____________
                   A. Become trained in first aid.
                   B. Keep a first aid kit in your home and
                                                                                _____________
                   in automobiles.
5.                 72-HOUR KITS
                   A. Prepare 72-hour kits for family                           _____________
                   members.
                   B. Prepare a 72-hour kit for each                            _____________
                   automobile.


                                               9
 Our family has completed the above requirements and qualifies for the survivor award.

 Signed___________________________________ Date _____________

 CONGRATULATIONS ON ACHIEVING EMERGENCY PREPAREDNESS IN
                      YOUR HOME



                       THE SURVIVOR AWARD - LEVEL TWO
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

Secure your hot water heater to the nearest wall or solid object with plumber's tape. Make sure the
gas pipe leading to the water heater is flex hose. A fallen water heater can cause a natural gas leak
and subsequent explosion. In addition, you could lose the use of 40 to 50 gallons of safe drinking
water. If you use or drain the water in your water heater, be sure to turn the control knob to the "off"
position. Remember to allow the water heater to refill before turning the gas on again later. This
will prevent the unit from being damaged. You may want to drain your water heater on a periodic
basis. If your water heater has not been drained for a long period of time, the valve at the base of the
unit may be difficult to open. Also, sediment may have collected in the bottom of the tank. The first
few quarts of water drained may be discolored.

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

                                                  10
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
its 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 its 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:

1. Make an escape plan. When a fire occurs, there's no time for planning. So sit down with your
family now and make a step-by-step plan for escaping a fire.

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


                                                   11
response with your family:

1. Don't panic.

2. Call 911 from a location other than the burning structure.

3. Predetermine 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
doorknob, 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, first straining it through a handkerchief or cheesecloth and then

                                                  12
disinfecting it can treat 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.




                                                  13
The following lists of items are appropriate to include in your first aid kit. The essential items are
listed in the first column. Remember to customize your kit to fit the needs of your family.

         Essential Items                             Other Items to Include
 Adhesive Bandages                Sponge                         Calamine Lotion
 Burn Cream                       Allergy Tablets                Super Glue
 Antibiotic Ointment              Scrub Pad                      Mosquito Repellant
 Pain Relief Products             Prescription Drugs             Nose Spray
 Scissors                         Butterfly Bandages             Oragel
 Gauze Pads                       Chap Stick                     Q-Tips
 Dressings                        Motion Sickness Pills          Antacid Tablets
 Forceps                          Thermometer                    Sling
 Ace Bandage                      Triangular Bandage             Smelling Salts
 Consecrated Oil                  Ear Drops                      Snakebite Kit
 First Aid Booklet                Eye Drops                      Iodine Pads
 Soap                             Eye Wash                       Eye Pads
 Waterproof Tape                  Ice Pack                       Tourniquet
 Sun Burn Lotion                  Sting Ointment                 CPR Shield
 Rubber Gloves                    Stomach Medication             Personal Protection Kit
 Alcohol Pads                     Safety Pins                    Needle

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



                                                 14
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.



                                   72 HOUR KIT CHECKLIST

 CONTAINERS                       WATER                            FOOD
 Backpack                         5 Gallon Plastic Bottles         Canned Meats
 Suitcases                        Water Purification Tablets       Canned or Freeze Dried
 Plastic Buckets                  Personal Water Containers        Vegetables
 Trunk or Foot Locker             Drinking Cups                    Canned or Dried Fruits
 Large plastic garbage cans       Swimming Pool Pump               Bouillon Cubes
 (preferably with wheels)                                          Sugar
                                                                   High Energy Snack Foods
 CLOTHING & PERSONAL              FOOD & EATING                    Smoked or Dried Meats
 Hats                             EQUIPMENT                        Juices
 Sunglasses                       Camp Style Pots & Pans           Other Beverages
 Gloves                           Camp Style Utensil Sets          Pastas
 Shoes                            Manual Can Opener                Spices – Salt, Pepper, etc.
 Layered Clothing                 Camp Style Stove                 Cup of Soup
 Coats & Sweaters                 Propane                          Honey
 Long Sleeved Shirts              Plates, Bowls & Cups             Flour or Bisquick
 Thick Socks                      Paper Towels                     Baking Powder
 Undergarments                    Zip Lock Bags                    Vegetable Oil
 Large Bath Towel                 Aluminum Foil                    Grains & Legumes
 Rain & Snow Gear                 Fishing Tackle                   Peanut Butter
 Thermal Underwear                                                 Canned Nuts
 Stocking Cap                                                      Vitamins
 Extra Prescription Glasses                                        Salt Tablets
                                                                   Drink Mixes
                                                                   Powdered Milk




                                                15
SHELTER & MATERIAL               BEDDING                     SANITATION
Tents (adequate size for your    Air Mattress or Foam Pads   4 Gallon Plastic Bags
family)                          Sleeping Bags               Disinfectant
Heavy Gauge Plastic Sheeting     Sheets                      Shovel
Rope of Cord                     Inflatable Pillow           Detergents & Soaps
Emergency Blankets               Extra Blankets              5 Gallon Plastic Bucket
                                                             Toilet Seat Lid
                                                             Toilet Paper
                                                             Disposable Diapers
                                                             Infant Needs
                                                             Sponge
LIGHT                            FIRST AID &
Flashlights (large & small)                                  Scouring Pad
                                 MEDICATIONS
Extra Batteries                  See step 4-B for details
Lanterns
Long Life Candles


                              72 HOUR KIT CHEKLIST – CONT.

TOILETRIES & HYGIENE             DOCUMENTS                   FUEL & ENERGY
Soap                             Insurance Papers            Water-proofed Matches
Toothbrush & Toothpaste          Driver’s License            Fuel for Cooking Apparatus
Hairbrush & Comb                 Immunization Records        Minimum ½ tank gas in Cars
Shampoo                          Special Medical Needs       Extra Batteries
Washcloth                        Instructions                Lantern Mantels
Feminine Hygiene Products        Savings Certificates        Firewood
Moistened Towelettes             Wills & Trusts              Fire Starters
Shaving Cream & Razor            Birth Certificates          Sterno Type Canned Fuel
Hand Lotion                      Social Security Cards       Gas Powered Generator
Fingernail Clipper               Deeds
Deodorant                        Charge Card Numbers
Kleenex                          Important Contracts
Solar Shower                     Passports
                                 Journals




                                               16
COMMUNICATIONS                  FINANCIAL NEEDS           TRANSPORTATION
Transistor or Hand Held Radio   Cash (in small bills)     Car
Whistle                         Checkbook & Register      Mobile Carts
Metal Mirror                    Credit and ATM Cards      Containers with Wheels
CB Radio                        Postage Stamps            Bicycles
Ham Radio                       Traveler’s Checks         Camper or Trailer
Cellular Phone                  Precious Metals           Large Wagon
Emergency Sonic Alarm                                     Inflatable Raft
Road Flares



RECREATION & STUDY              TOOLS & REPAIR            TOOLS & REPAIR CONT.
Familiar Toys                   Wire (light & heavy)      Shovel
Scriptures                      Sewing Kit                Hammer
Paper & Pens                    Scissors                  Saw
Pictures of Family Members      Lubricant                 Hand Axe
Hymn Book                       Assorted Screws & Nails   Safety Pins
Notebook                        Pocket Knife              Extra Car Parts
Paperback Books                 Pliers                    Staple Gun & Staples
Magazines                       Screwdrivers
Games and Puzzles               Crescent Wrench
Small Toys, Balls, etc.         Crowbar
                                Duct Tape


                          72 HOUR KIT CHECKLIST – CONT.

OTHER                           LIST OTHER ITEMS YOU NEED FOR YOUR FAMILY
Fire Extinguisher
Car & House Keys
Compass or GPS
Pocket Calculator
Waterproofing Material
Ground Cloths
Camera




                                             17
                             THE PROVIDER AWARD
                                 LEVEL THREE
OBJECTIVES                                                     DATE COMPLETED
** REVIEW AND UPKEEP _____________
1.                      HOME STORAGE
                                                                    _____________
                        A. Plan and provide a two month's
                        supply of food.
                                                                    _____________
                        B. Select areas of home to be used for
                        food storage.
                                                                    _____________
                        C. Choose and prepare a garden area.
2.                      HOME PRODUCTION AND
                        RESOURCE MANAGEMENT
                                                                    _____________
                        A. Resource conservation. Implement at
                        least two conservation methods in your
                                                                    _____________
                        home.
                        B. Basic sewing. Mend at least three
                                                                    _____________
                        articles of clothing.
                        C. Home and property improvement list.
3.                      FINANCIAL RESOURCE                          _____________
                        MANAGEMENT
                        A. Medical insurance.                       _____________
                        B. Family Budget.
                        C. Family will or trust.                      ___________
4.                      EDUCATION AND EMPLOYMENT                    _____________
                        A. Standard Works for family members.
                        B. Literacy and educational goals.          _____________
                        C. Employment evaluation.
                        D. Prepare a current resume.                _____________

                                                                   _____________
5.                         SOCIAL, EMOTIONAL, SPIRITUAL            _____________
                           AND PHYSICAL HEALTH


                                       18
                                 A. Church attendance.                          _____________
                                 B. Personal and family prayer.
                                 C. Acts of service.                            _____________

 Our family has completed the above requirements and qualifies for the survivor award.

 Signed___________________________________ Date _____________




 6.                              OPTIONAL GOLD STAR ITEMS                       _____________
                                 A. Fuel Storage
                                 B. Savings - One month's income                _____________
                                 C. Consistent daily prayer - three
                                 months                                         _____________
                                 D. Consistent scripture study - three
                                 months                                         _____________
                                 E. Hand working skills
                                 F. Learn basic woodworking skills              _____________
                                 G. Learn basic plumbing skills
                                 H. Develop a time management system.           _____________

                                                                                _____________

                                                                                _____________

                    THE PROVIDER AWARD - LEVEL THREE
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

                                               19
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

                                                  20
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.



 FAVORITES TO EAT MOST PRODUCTIVE PER                                  HIGHEST IN NUTRITION
                  SQUARE FOOT
 Tomatoes         Tomatoes                                             Broccoli
 Oranges          Peppers                                              Spinach
 Potatoes         Squash                                               Brussel Sprouts
 Lettuce          Pole Beans                                           Lima Beans
 Sweet Corn       Beets                                                Peas
 Bananas          Lettuce                                              Asparagus
 Carrots          Peas                                                 Artichokes
 Cabbage          Carrots                                              Cauliflower
 Onions           Cauliflower                                          Sweet Potatoes
 Sweet Potatoes   Broccoli                                             Carrots

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 showerheads.
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

                                                   21
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.

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 that 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 that 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. Husband and wife should
complete the list jointly.

4. FINANCIAL RESOURCE MANAGEMENT

A. Medical Insurance: Review your existing medical coverage and determine its 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
coverage options 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

                                                 22
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. Witnesses must not sign it. Husbands and
wives should have separate wills.

Instructions to Health Care Providers: You should sign a form called, "Directive to Physicians."
Two adults should witness this. 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 reasons 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.

               We plan to have a will or trust in place by: date ________________.

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.



                                                 23
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” are 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 that 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:


                    One year _________________________________________

                    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 your resume 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.

6. 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 that will strengthen you spiritually each week
and give you a chance to partake of the sacrament.


                                                  24
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

                                                 25
undertaking. Investigate the various methods available and choose one that 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.




                                          Table 3-A
                               Menu Planning Worksheet
      ITEM           PACKAGE        QUANTITY/MEAL             MEAL              TOTAL
                       SIZE                                FREQUENCY           QUANTITY
     Meal #1
                      _________         _________            _________         _________
 _______________
                      _________         _________            _________         _________
 _______________
                      _________         _________            _________         _________
 _______________
     Meal #2
                      _________         _________            _________         _________
 _______________
                      _________         _________            _________         _________
 _______________
                      _________         _________            _________         _________
 _______________
     Meal #3                            _________
                      _________                              _________         _________
 _______________
                      _________                              _________         _________
 _______________                        _________
                      _________                              _________         _________
 _______________                        _________
     Meal #4
                      _________         _________            _________         _________
 _______________
                      _________         _________            _________         _________
 _______________
                      _________         _________            _________         _________
 _______________


                                             26
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.

                                            TABLE 3-B
                         FOOD STORAGE INVENTORY SHEET
       ITEM               QUANTITY                QUANTITY ON               QUANTITY TO
                            NEEDED                    HAND                   PURCHASE
                        _______________          _______________           _______________

 _______________        _______________          _______________           _______________

 _______________        _______________          _______________           _______________

 _______________        _______________          _______________           _______________

 _______________        _______________          _______________           _______________

 _______________        _______________          _______________           _______________

 _______________        _______________          _______________           _______________

 _______________        _______________          _______________           _______________

 _______________        _______________          _______________           _______________



                                                 27
 _______________       _______________          _______________            _______________

 _______________       _______________          _______________            _______________

 _______________       _______________          _______________            _______________

 _______________       _______________          _______________            _______________

 _______________       _______________          _______________            _______________

 _______________       _______________          _______________            _______________



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.

                                           TABLE 3-C
                   HOME AND PROPERTY IMPROVEMENT LIST
    PRIORITY                                            ITEM


    __________       ______________________________________________________________

    __________       ______________________________________________________________

    __________       ______________________________________________________________

    __________       ______________________________________________________________

    __________       ______________________________________________________________

    __________       ______________________________________________________________



                                                28
    __________         ______________________________________________________________

    __________         ______________________________________________________________

    __________         ______________________________________________________________

    __________         ______________________________________________________________

    __________         ______________________________________________________________

    __________         ______________________________________________________________



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
                                 MEDICAL INSURANCE ISSUES

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. ______

                                                    29
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.

                                           TABLE 3-E
                                       LIVING EXPENSES
                       REGULAR                                  PERIODIC
   FIXED EXPENSES         Monthly                Quarterly       Semi-Annual           Annual
 Church                  ________                ________         ________            ________
 • Tithing               ________                ________         ________            ________
 • F.O.                  ________                ________         ________            ________
                         ________                ________         ________            ________
 • Missions              ________                ________         ________            ________
                         ________                ________         ________            ________
 Housing                 ________                ________         ________            ________
 • Mortgage/Rent         ________                ________         ________            ________
 • Property Taxes        ________                ________         ________            ________
                         ________                ________         ________            ________
 • Utilities             ________                ________         ________            ________
                         ________                ________         ________            ________
 •                       ________                ________         ________            ________
 Maintenance/Insurance   ________                ________         ________            ________
 Transportation          ________                ________         ________            ________
 • Car Payments          ________                ________         ________            ________
 • Car Insurance         ________                ________         ________            ________
                         ________                ________         ________            ________
 • Gas/Maintenance       ________                ________         ________            ________
                         ________                ________         ________            ________
 • License               ________                ________         ________            ________
                         ________                ________         ________            ________
 Food/Beverage           ________                ________         ________            ________
                         ________                ________         ________            ________
 Insurance               ________                ________         ________            ________

                                                 30
• Life                  ________   ________   ________   ________
• Health/Disability     ________   ________   ________   ________
                        ________   ________   ________   ________
Medical/Dental/Drugs    ________   ________   ________   ________
                        ________   ________   ________   ________
Installment Payments    ________   ________   ________   ________
                        ________   ________   ________   ________
Child Care              ________   ________   ________   ________
                        ________   ________   ________   ________
School/Education        ________   ________   ________   ________
                        ________   ________   ________   ________
Church Contribution     ________   ________   ________   ________
                        ________   ________   ________   ________
Savings/Investments     ________   ________   ________   ________
                        ________   ________   ________   ________
Personal Allowance      ________   ________   ________   ________
                        ________   ________   ________   ________
Other                   ________   ________   ________   ________
                        ________   ________   ________   ________
_______ ________
                        ________   ________   ________   ________
_______ ________        ________   ________   ________   ________

_______ ________        ________   ________   ________   ________
                        ________   ________   ________   ________
 DISCRETIONARY          ________   ________   ________   ________
                        ________   ________   ________   ________
Entertainment           ________   ________   ________   ________
• Vacation/Holidays     ________   ________   ________   ________
• Dining Out            ________   ________   ________   ________
                        ________   ________   ________   ________
• Recreation            ________   ________   ________   ________
                        ________   ________   ________   ________
Gifts                   ________   ________   ________   ________
                        ________   ________   ________   ________
Household Furnishings   ________   ________   ________   ________
                        ________   ________   ________   ________
Other                              ________   ________   ________
                                   ________   ________   ________
_______ ________        ________
                        ________   ________   ________   ________
_______ ________                   ________   ________   ________
                        ________
                        ________


                                   31
TOTAL PROJECTED
LIVING EXPENSES          $_______        ________   ________   ________
                         ________        ________   ________   ________
                                 TABLE 3-F
                        CURRENT BALANCE SHEET
                            Date_______ ________
ASSETS
LIQUID ASSETS
• Bank Accounts          _______ ________
• Mutual Funds           _______ ________
• Stocks                 _______ ________
• Bonds                  _______ ________
• Live Insurance Cash    _______ ________
Value
• Other Liquid Assets    _______ ________
Subtotal of Liquid                           ________
Assets                                       ________
FIXED ASSETS
• Primary Residence      _______ ________
• Other Residences       _______ ________
• Unimproved Land        _______ ________
• Limited Partnership    _______ ________
• Notes Receivable       _______ ________
• Business Interests     _______ ________
• Precious               _______ ________
Metals/Gems
• Vehicles               _______ ________
• Other Personal         _______ ________
Property
• Other Fixed Assets     _______ ________
Subtotal of Fixed                            ________
Assets                                       ________
DEFERRED ASSETS
• IRAs                   _______ ________
• Tax-deferred           _______ ________
Annuities
• Employer Plans         _______ ________
OTHER ASSETS             _______ ________
                         _______ ________
                         _______ ________
Subtotal                                     ________
                                             ________

                                        32
 TOTAL ASSETS                                                              ________
                                                                           ________
 LIABILITIES
 SHORT-TERM
 LIABILITIES
 • Vehicle Loans             _______ ________
 • Personal Property         _______ ________
 Loans
 • Credit Cards              _______ ________
 • Other Short-term          _______ ________
 Debt
 Sub Total Short-Term                                    ________
 Liabilities                                             ________
 LONG-TERM
 LIABILITIES
 • Primary Mortgage          _______ ________
 • Other Mortgages           _______ ________
 • Unimproved Land           _______ ________
 Debt
 • Other Long Term           _______ ________
 Liabilities
 Sub Total Long-Term                                     ________
 Liabilities                                             ________
 TOTAL                                                                     ________
 LIABILITIES                                                               ________
 NET WORTH                                                                 ________
 (Total assets minus total                                                 ________
 liabilities)

                                      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

                                                33
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.




                                                 34
                                THE RELIANCE AWARD
                                    LEVEL FOUR
                                                                                         DATE
OBJECTIVES
                                                                                  COMPLETED
1.              REVIEW AND UPKEEP                                                 _____________
2.              HOME STORAGE                                                      _____________
                A. Obtain a six month's supply of food.
                B. Plant your garden.                                             _____________
3.              HOME PRODUCTION AND RESOURCE MANAGEMENT                           _____________
                A. Sewing.
                • Make two articles of clothing.                                  _____________
                B. Home improvement projects.
                • Complete two improvement projects.                              _____________
                C. Cooking with home storage basics.
                                                                                  _____________
4.              FINANCIAL RESOURCE MANAGEMENT                                     _____________
                A. Debt management.
                B. Obtain life insurance equal to one year's income.              _____________
                C. Gather and store important family documents.
                D. Establish a savings plan.                                      _____________

                                                                                  _____________
5.              EDUCATION AND EMPLOYMENT                                          _____________
                A. Study the scriptures regularly.
                B. Utilize educational resources.                                 _____________
                C. Success in the job market.
                D. Teach children useful skills.                                  _____________

                                                                                  _____________
6.              SOCIAL, EMOTIONAL, SPIRITUAL AND PHYSICAL                         _____________
                HEALTH
                A. Preventative medicine in the home.                             _____________
                B. Have family home evening.
                C. Increase church activity.                                      _____________

Our family has completed the above requirements and qualifies for the protector award.

Signed___________________________________ Date _____________




                                                35
7.              OPTIONAL GOLD STAR ITEMS                                             _____________
                A. Plant fruit trees in your yard.
                B. Savings - two months income.                                      _____________
                C. Start a compost pile.
                D. Learn how to use a wheat grinder.                                 _____________
                E. Consistent daily prayer - six months.
                F. Consistent scripture study - six months.                          _____________
                G. Consistent family home evening - three months.
                H. Obtain and maintain proper weight.                                _____________
                I. Learn how to freeze dry food.
                J. Take the LDS employment program course.                           _____________

                                                                                     _____________

                                                                                     _____________

                                                                                     _____________

                                                                                     _____________



                      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.


                                                 36
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.




                                                  37
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 one:___________________________________________

                 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 that 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.

                                                38
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 that is
consistent with your particular risk orientation. Table 4-E on page 50 shows the investment Pyramid
that ranks the various types of investments in relation to their risks. Begin your savings plan at the
bottom of the Pyramid.




                                                  39
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. Some of these resources are listed below:

      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 that will take you
step-by-step through the things you need to do to be successful in the job market.




                                                   40
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.

Some topics of preventative medicine for your consideration are listed below:
    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

                                                 41
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 the Spirit may guide you. 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 that 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 that 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


                                                  42
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. This process
converts the water contained in foods 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.

                         FRESH        FROZEN           CANNED        DEHYDRATED            FREEZE
                         FOOD          FOOD           WET-PACK                              DRIED
TASTE                      E             G                F                  F                G
NUTRITION                  E             G                F                  G                G
SHELF LIFE                 P             F               G                   E                E
STORAGE SPACE              F             F               G                   E                G
VARIETY                    G             G                E                  G                G
PREPARATION                F             G                E                  F                G
TIME
COST                        G             G               E                  E                 F


                                                 43
                     CODE: E - Excellent • G - Good • F - Fair • P - Poor

Note: The ratings shown above are only a general guideline, as many of the areas are subject to
                                   individual preferences.




                                              44
                                       TABLE 4-B
                                PLAN FOR DEBT REDUCTION

Name of Creditor _________________________________________________________________

Total Amount of Debt $____________________________________________________________

Reduction Goal This Year $_________________________________________________________

   Date of Payment              Balance -                Payment +                  Charges
    __________                 __________               __________                __________
    __________                 __________               __________                __________

     __________                __________               __________                __________
     __________                __________               __________                __________

     __________                __________               __________                __________
     __________                __________               __________                __________

     __________                __________               __________                __________
     __________                __________               __________                __________

     __________                __________               __________                __________
     __________                __________               __________                __________

     __________                __________               __________                __________
     __________                __________               __________                __________

     __________                __________               __________                __________
     __________                __________               __________                __________

     __________                __________               __________                __________
     __________                __________               __________                __________

     __________                __________               __________                __________
     __________                __________               __________                __________

     __________                __________               __________                __________
     __________                __________               __________                __________

     __________                __________               __________                __________
     __________                __________               __________                __________

"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.


                                                45
                                       TABLE 4-C
                                TYPES OF LIFE INSURANCE

In choosing the type of policy, consideration must be given to the need that is being filled; e.g.,
estate creation, payment of death taxes, business buy-outs, etc.

TYPE               DESCRIPTION              ADVANTAGES                DISADVANTAGES
DECREASING         Level premium,           Good for covering         Cannot be renewed at end of
TERM               decreasing coverage,     obligations that reduce   term period.
                   no cash value            with time. No increases
                                            in premium.
ANNUAL             Increasing premium,      Coverage does not         Premiums become
RENEWABLE          level coverage, no       reduce. Can be renewed    prohibitive as age increases,
TERM               cash value.              to age 65 or later.       reducing chances of staying
                                                                      in force.
LEVEL TERM         Premium stays level      Coverage does not         Renewal premiums increase
                   for 5 to 20 years.       reduce. May be            sharply at each renewal,
                   Level coverage, no       renewable well past age particularly at older ages.
                   cash value               65.
WHOLE LIFE         Level premium, level     Good for long-term        Premiums are higher than all
                   coverage, cash values.   obligations, assuring     other types of policies;
                                            coverage in place at      earnings on cash values not
                                            time of death.            always competitive.
UNIVERSAL          Level or adjustable      Changes can be made       High interest rates are not
LIFE               premium, level or        in plan over lifetime to guaranteed and if not
                   adjustable coverage,     better suit current needs maintained, could affect
                   cash values.             of insured person.        integrity of the plan.
VERIABLE           Level or adjustable      Owner can control the     If good decisions are not
LIFE               premium, level or        earnings of policy by     made, the protection
                   adjustable coverage,     making good               provided may be affected.
                   cash values              investment decisions.
SINGLE             Entire premium is        Good for passing assets Death benefit is very low
PREMIUM            paid at purchase, cash   on to next generation;    relative to the premium paid.
WHOLE LIFE         values, level coverage   no risk of loss of
                                            coverage.
SECOND TO          Level of adjustable      Suitable for payment of No benefits are paid until
DIE POLICY         premium, cash values,    death taxes that are      the second spouse dies.
                   pays only at death of    deferred until the death
                   second to die.           of the second spouse.




                                                46
                                         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: ___________________________________________________________

                                                 47
Address: __________________________________________________________________

Automobile Insurance Company: _____________________________________________________

Policy Number: _____________________________________________________________

Property Insurance Company: _______________________________________________________

Policy Number: _____________________________________________________________




                                        48
                                     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; 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%


                                              49
                                         TABLE 4-F
                               L.D.S. EMPLOYMENT PROGRAM

Unit 1 – 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 – 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 - 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 – 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 – 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 – 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:

________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________

                                                  50
                               THE FREEDOM AWARD
                                    LEVEL FIVE
                                                                                         DATE
OBJECTIVES
                                                                                  COMPLETED
1.              REVIEW AND UPKEEP                                                 _____________
2.              HOME STORAGE                                                      _____________
                A. Expand your food storage system to accommodate a one
                year supply.                                                      _____________
                B. Expand your garden.
                C. Properly store surplus garden produce.                         _____________
3.              HOME PRODUCTION AND RESOURCE MANAGEMENT                           _____________
                A. Sewing.
                • Make two items other than clothing.                             _____________
                B. Home improvement projects.
                • Make or repair at least two additional items.                   _____________
4.              FINANCIAL RESOURCE MANAGEMENT                                     _____________
                A. Reduce consumer debt.
                B. Secure adequate life insurance.                                _____________
                C. Review sources of retirement income.
                                                                                  _____________
5.              EDUCATION AND EMPLOYMENT                                          _____________
                A. Read good books
                B. Improve scripture study.                                       _____________
                C. Employment improvement.
                                                                                  _____________
6.              SOCIAL, EMOTIONAL, SPIRITUAL AND PHYSICAL                         _____________
                HEALTH
                A. Observe the word of wisdom.                                    _____________
                B. Healthy diet and nutrition.
                C. Learn home health skills.                                      _____________

Our family has completed the above requirements and qualifies for the protector award.

Signed___________________________________ Date _____________


7.              OPTIONAL GOLD STAR ITEMS
                                                                                  _____________
                A. Savings - six month's income
                B. Use a food dehydrator
                                                                                  _____________
                C. Make funeral and burial arrangements
                D. Consistent daily prayer - one year
                                                                                  _____________
                E. Consistent scripture study - one year
                F. Consistent family home evening - six months

                                                51
                   G. Implement an exercise program                                    _____________
                   H. Take a course of study to improve vocational skills
                                                                                       _____________

                                                                                       _____________

                                                                                       _____________

                                                                                       _____________




                         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
                                                   52
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

                                                 53
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 would 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, and 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

                                                 54
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 timetable 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 that 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 that 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.

                                                  55
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.


                             Prenatal care immunization first aid skills
                              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.




                                                  56
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 that 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.




                                                57
                            TABLE 5-A
                   OUTSTANDING CONSUMER DEBTS

  PRIORITY     CREDITOR     BALANCE      INTEREST     PAYMENT
                                           RATE
  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
  __________   __________   __________   __________   __________

  __________   __________   __________   __________   __________
TOTALS                      __________                __________
                            __________                __________

                                58
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                                            $_____________
(Spouse, children, etc.)
(Consider 70% of current family living expenses)
2. LESS EXPECTED ANNUAL BENEFITS                              $_____________
A. SOCIAL SECURITY BENEFITS (1)
B. PENSION BENEFITS                                           $_____________
C. ANNUITIES OR OTHER
                                                              $_____________
TOTAL EXPECTED ANNUAL BENEFITS                                                    $_____________
3. NET LIVING EXPENSE SHORTAGE                                                    $_____________
(Line 1 minus Line 2)
4. AMOUNT OF CAPITAL REQUIRED TO PRODUCE                                          $_____________
LIVING EXPENSE SHORTAGE
(Line 3 divided by projected rate or return on invested
capital) _____%
5. PLUS OTHER LUMP SUM EXPENSE                                $_____________
A. DEATH TRANFER COSTS
B. MORTGAGE CANCELLATION                                      $_____________
C. EDUCATION FUND OR OTHER
                                                              $_____________
TOTAL LUMP SUM EXPENSE                                                            $_____________
6. TOTAL CAPITAL REQUIRED                                                         $_____________
7. LESS PRESENT CAPITAL                                       $_____________
A. INCOME PRODUCING ASSETS
B. PRESENT LIFE INSURANCE                                     $_____________
TOTAL PRESENT CAPITAL                                                             $_____________
8. AMOUNT OF INSURANCE TO BE ADDED                                                $_____________
(Difference between Lines 6 and 7)

 (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)

                                                59
                             TABLE 5-C
                   SOURCES OF RETIREMENT INCOME
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            $__________________________________

20. Other               $__________________________________
TOTAL RETIREMENT INCOME $__________________________________




                                60
                                        TABLE 5-D
                               PROJECTED RETIREMENT NEEDS

A. Projected Income Source                                         Projected to Age
                                                                   __________
1. Pension/Profit Sharing Plan
Current Amount $__________ @ _____% = $___________
Continuing Deposits $__________ per year @ _____% = $___________

2. IRA Contributions
Current Amount $__________ @ _____% = $___________
Continuing Deposits $__________ per year @ _____% = $___________

3. Keogh Contributions
Current Amount $__________ @ _____% = $___________
Continuing Deposits $__________ per year @ _____% = $___________

4. Other Current Investments

_____________________ $__________ @ _____% = $___________

_____________________ $__________ @ _____% = $___________

_____________________ $__________ @ _____% = $___________

_____________________ $__________ @ _____% = $___________

_____________________ $__________ @ _____% = $___________

5. Other Continuing Deposits

_____________________ $__________ @ _____% = $___________

_____________________ $__________ @ _____% = $___________


B. Projected Total Capital Accumulated at Retirement Age           $___________
(Sum of Items in A.)
                                                                   $___________
C. Amount of Capital Required to Meet Retirement Income
Objective                                                          $___________

D. Shortage of Capital (or Excess)
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.

                                              61
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            Factors for Determining the Approximate Annual Contribution
Accumulate Needed Capital                               Necessary
                               to Accumulate One Dollar at a Future Time at Various Rates.
                              6%            8%          10%        12%       15%       20%
            2                .4854         .4807       .4761      .4716     .4651     .4545
            4                .2285         .2219       .2154      .2091     .2002     .1862
            6                .1432         .1362       .1296      .1232     .1142     .1007
            8                .1016         .0940       .0874      .0813     .0728     .0606
           10                .0758         .0690       .0627      .0569     ,0492     .0385
           12                .0592         .0526       .0467      .0414     .0344     .0252
           14                .0475         .0412       .0357      .0308     .0246     .0168
           16                .0389         .0329       .0278      .0233     .0179     .0114
           18                .0323         .0267       .0219      .0179     .0131     .0078
           20                .0271         .0218       .0174      .0138     .0097     .0053
           22                .0230         .0180       .0140      .0108     .0072     .0036
           24                .0196         .0149       .0112      .0084     .0054     .0025
           26                .0169         .0125       .0091      .0066     .0040     .0017
           28                .0145         .0104       .0074      .0052     .0030     .0012
           30                .0126         .0088       .0060      .0041     .0023     .0008
           32                .0110         .0074       .0049      .0032     .0017     .0005
           34                .0095         .0063       .0040      .0026     .0013     .0004
           36                .0083         .0053       .0033      .0020     .0009     .0002
           38                .0073         .0045       .0027      .0016     .0007     .0001
FORMULA
                          CAPITAL REQUIRED AT                       X     $____________
                          RETIREMENT
                          (from Item D, Table 5D)                         $____________

                              FACTOR (from above Table)                       $____________

                              ANNUAL DEPOSIT NEEDED TO                        $____________
                              ACHIEVE GOAL

                              MONTHLY DEPOSITS NEED
                              (Annual / 12)




                                               62
                                    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 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 going forth slowly.

2. Don't just read, but listen intently for whisperings, impressions, instruction & illumination.

3. Don't read passages lightly 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.

                                                       63
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



                       THE DILIGENCE AWARD - LEVEL SIX
PURPOSE: To insure ongoing self-reliance for your family and 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 ____________




                                                64
                                TOPICAL APPENDIX
                                       AND
                              CERTIFICATE CHECK LIST

EMERGENCY PREPAREDNESS
LEVEL ONE                                                       COMPLETED        PAGE #
1. Flashlights, shoes and gloves by each bed.                   ____________   ____________
2. Gas valve shutoff.                                           ____________   ____________
3. Water and electricity shutoff.                               ____________   ____________
4. Emergency communication.                                     ____________   ____________
5. Train family members.                                        ____________   ____________

LEVEL TWO                                                       ____________   ____________
1. Secure hot water heater                                      ____________   ____________
2. Fire safety                                                  ____________   ____________
3. Water and food storage                                       ____________   ____________
4. First aid kit and training                                   ____________   ____________
5. 72-hour kits
Our family has completed the above requirements and qualifies
for a certificate in emergency preparedness.
                                                                Date
Signed_______________________________________                   ____________
HOME STORAGE
LEVEL THREE                                                     COMPLETED        PAGE #
1. Plan and provide a two-month food supply.                    ____________   ____________
2. Select areas of home to be used for food storage             ____________   ____________
3. Choose and prepare a garden area.                            ____________   ____________

LEVEL FOUR                                                      ____________   ____________
1. Obtain a six-month's supply of food.                         ____________   ____________
2. Plant our garden.
                                                                ____________   ____________
LEVEL FIVE                                                      ____________   ____________
1. Expand your food storage system to accommodate a one         ____________   ____________
year supply.
2. Expand your garden
3. Properly store surplus garden produce.
Our family has completed the above requirements and qualifies
for a certificate in emergency preparedness.
                                                                Date
Signed_______________________________________                   ____________
OPTIONAL GOLD STAR ITEMS                                        COMPLETED        PAGE #
1. Fuel Storage                                                 ____________   ____________
2. Plant fruit trees in your yard.                              ____________   ____________
3. Start a compost pile.                                        ____________   ____________
4. Learn how to use a wheat grinder.                            ____________   ____________

                                                65
5. Learn how to freeze dry food.        ____________                           ____________
6. Use a food dehydrator.               ____________                           ____________
HOME PRODUCTION AND RESOURCE MANAGEMENT
LEVEL THREE                             COMPLETED                                PAGE #
1. Resource conservation.               ____________                           ____________
2. Basic Sewing.                        ____________                           ____________
3. Home and property improvement list.  ____________                           ____________

LEVEL FOUR
1. Sewing                                                       ____________   ____________
2. Home improvement projects                                    ____________   ____________
3. Cooking with home storage basics.                            ____________   ____________

LEVEL FIVE
1. Sewing                                                       ____________   ____________
2. Home improvement                                             ____________   ____________
Our family has completed the above requirements and qualifies
for a certificate in emergency preparedness.
                                                                Date
Signed_______________________________________                   ____________
OPTIONAL GOLD STAR ITEMS                                        COMPLETED        PAGE #
1. Hand working skills.                                         ____________   ____________
2. Learn basic woodworking skills.                              ____________   ____________
3. Learn basic plumbing skills.                                 ____________   ____________
FINANCIAL RESOURCE MANAGEMENT
LEVEL THREE                                                     COMPLETED        PAGE #
1. Medical insurance.                                           ____________   ____________
2. Family budget                                                ____________   ____________
3. Family will or trust                                         ____________   ____________

LEVEL FOUR                                                      ____________   ____________
1. Debt management                                              ____________   ____________
2. Obtain life insurance equal to one year's income.            ____________   ____________
3. Gather and store important family documents.                 ____________   ____________
4. Establish a savings plan.
                                                                ____________   ____________
LEVEL FIVE                                                      ____________   ____________
1. Reduce consumer debt.                                        ____________   ____________
2. Secure adequate life insurance.
3. Review sources of retirement income.
Our family has completed the above requirements and qualifies
for a certificate in emergency preparedness.
                                                                Date
Signed_______________________________________                   ____________
OPTIONAL GOLD STAR ITEMS                                        COMPLETED COMPLETED
1. Savings-one month's income.                                  ____________ ____________

                                                 66
2. Savings-two month's income.                                  ____________   ____________
3. Savings-six month's income.                                  ____________   ____________
4. Develop a time management system.                            ____________   ____________
5. Make funeral and burial arrangements.                        ____________   ____________
EDUCATION AND EMPLOYMENT
LEVEL THREE                                                     COMPLETED        PAGE #
1. Standard works for family members.                           ____________   ____________
2. Literacy and educational goals                               ____________   ____________
3. Employment evaluation.                                       ____________   ____________
4. Prepare a current resume.                                    ____________   ____________

LEVEL FOUR                                                      ____________   ____________
1. Study scriptures regularly                                   ____________   ____________
2. Utilize educational resources                                ____________   ____________
3. Success in the job market.                                   ____________   ____________
4. Teach children useful skills.
                                                                ____________   ____________
LEVEL FIVE                                                      ____________   ____________
1. Read good books.                                             ____________   ____________
2. Improve scripture study
3. Employment improvement
Our family has completed the above requirements and qualifies
for a certificate in emergency preparedness.
                                                       Date
Signed_______________________________________          ____________
OPTIONAL GOLD STAR ITEMS                               COMPLETED                 PAGE #
1. Consistent scripture study-three months.            ____________            ____________
2. Consistent scripture study-six months.              ____________            ____________
3. Consistent scripture study-one year.                ____________            ____________
4. Take the LDS employment program course.             ____________            ____________
5. Take a course of study to improve vocational skills ____________            ____________
SOCIAL, EMOTIONAL, SPIRITUAL AND PHYSICAL HEALTH
LEVEL THREE                                            COMPLETED                 PAGE #
1. Church attendance.                                  ____________            ____________
2. Personal and family prayer                          ____________            ____________
3. Acts of service.                                    ____________            ____________

LEVEL FOUR                                                      ____________   ____________
1. Preventative medicine in the home.                           ____________   ____________
2. Have family home evening                                     ____________   ____________
3. Increase church activity
                                                                ____________   ____________
LEVEL FIVE                                                      ____________   ____________
1. Observe the word of wisdom                                   ____________   ____________
2. Healthy diet and nutrition.
3. Learn & practice home health skills.

                                               67
Our family has completed the above requirements and qualifies
for a certificate in emergency preparedness.
                                                                            Date
Signed_______________________________________                               ____________
             OPTIONAL GOLD STAR ITEMS                                       COMPLETED        PAGE #
           1. Consistent daily prayer-three months.                         ____________   ____________
            2. Consistent daily prayer-six months.                          ____________   ____________
              3. Consistent daily prayer-one year.                          ____________   ____________
      4. Consistent family home evening-three months.                       ____________   ____________
       5. Consistent family home evening-six months.                        ____________   ____________
         6. Consistent family home evening-one year                         ____________   ____________
            7. Obtain and maintain proper weight.                           ____________   ____________
              8. Implement an exercise program.                             ____________   ____________

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