Still_Small_Voice

That is not my understanding. All necessary ordinances must be performed before a person is resurrected. While spirits are in paradise, many will find someone to have a celestial marriage. Then at some point before their resurrection, the sealing will be done for them. But the bottom line is no worthy individual will be denied a celestial marriage if they have done their part.

Thanks for the advice on the utilities Anatess. I am probably going to empty out my Roth retirement fund but not the 401K fund because of tax penalties. I have other assets I could sell but I would prefer to empty my official retirement account because of my belief of safety in my other assets against inflation. I have over $16,000 in assets presently that are fairly liquid. But I consider those my retirement funds as well even though they aren't officially labeled such. I do not want to wait a few years to get into a house. I feel like I should get in to a house while the interest rates are low because they won't be in 30 months very likely. Rent will probably go up with inflation in the future as well. I will probably only put down a 5 percent down payment. I haven't even found a house I want yet. It is not something I going to jump into. I want a decent neighborhood, a house with no toxins in it and under $105,000 with many other factors as well. I want all the realities on the table. It is going to be a lot of planning then fasting and prayer on that plan. I would rather not buy than make a decision I would regret.

I talked with one loan officer today. He said I was pre-approved for $105,000 with my income. With taxes and everything the payment should be very close to $700 per month. He also said on whatever house I buy I should look into having the seller pay closing costs. A lot of times in this economy the seller will pay a portion or all of them. I would just need to come up with close to $5,500. I have about $5,500 in a 401K fund that I have. Would I incur a tax penalty on it if I took it out and did not repay? I also have about another $2,000 in a Roth Individual Retirement Arrangement. Also how much do these bills usually run monthly? Water/Sewer Bill Garbage Natural gas Electric (I would like to get a solar panel to help with this) Homeowners insurance Anything else?

I live in Utah. I know closing costs average around $2,500 in this state. But I do not know what other fees to expect. Application fees are scaring me. Around $250 just for putting an application in from what I have read. Edit: My credit score was over 800 last time I had it checked in March of 2011.

I am looking at getting a $107,000 thirty year mortgage for a first time buyer. Been reading a lot of material since $100,000 is a lot of money and I do not want to get ripped off. I am expecting to need to pay around $12,000 with out of pocket costs for this if I cannot get any grants. That is closing costs 5 percent down payment and all the fees included. Is that a reasonable price range in fees and down payment for the mortgage cost I am looking at?

Here are a few opinions of mine. Capital Gains tax is immoral. The tax should be repealed. We should bring all the funds home to America for people who are sheltering their assets in other countries. I would love to see our President pay his fair share that he loves to talk about so much. He can give up all the millions in assets he owns to the poor and work only getting an annual salary of $85,000.

Thanks for the input. I decided against leasing a car. Incurring debt for a car would be better than leasing. But I will never get a loan through a dealership. They charge way too much. I will likely either buy my next car from a dealership or from someone I know in California who fixes Scions up. He is honest. If I did buy from him I would have to drive the car all the way back to Utah.

I am thinking about leasing a car because my current car has had so many problems (and it is only at 85,000 miles). I have sunk $2,500 in repairs in to my Chevrolet Aveo in the last 6 months and I just want to sell it and not deal with it anymore. I would like to lease a car for two years spending about $3,200 total in leasing order to save up enough money to buy another car. I want to spend about $7,000 on Toyota Scion eventually. What should I know about leasing a car? If I cannot put at least 14,000 miles a year on a leased car the car will be of no use to me since I travel about 50 miles a day to work and back. Has anyone leased a car before? What was your experience?

My apologies, I was wrong. I think it was -20 degrees Fahrenheit when the Nissan Electric car began to have really reduced range. Here is one winter report using the Nissan Electric Car: A Winter in the Nissan Leaf - KickingTires

Well I have been reading about Nissan's electric car. From what I have read coming from memory it turns out the car is pretty reliable for up to about an 80 mile trip. I have heard people claiming they drive the car at speeds of 80 miles per hour with no issues. It is a decent commuter car if you live in an area that doesn't get really cold. The big problems with the Nissan Electric Car come in when temperatures drop below 28 degrees Fahrenheit. I read that you will only get about 8 miles out of the car then it will die. But the price tag is about $35,000 dollars in the United States. Very expensive for me. Hopefully the compressed air car turns out to be a success.

If you like Handel's Messiah Hala you will like this piece of music:

One statistic I heard in the last few months on a talk radio program was about 75 percent of Christians had chastity behavior that was no different than non-believers. I can see why some Christians drove you from your previous beliefs. There are far too many who consider themselves a follower of Christ but do it as merely a label only. I know I still have work to do on loving my neighbor as myself. If we have no charity we truly are nothing.

It appears to me with some reading that the Crusades had no relation to the presence of Muslims in Europe. The Crusade assaults appear to have been focused on outside Europe. 300,000 Muslims were expelled from Spain around the years 1609 to 1614 A.D. But this had nothing to do with the Crusades. Thanks for the input everyone. Morisco - Wikipedia, the free encyclopedia

I read the following and wondered how much of if it was true. Can anyone shed some more light? Rodney Stark wrote a book called "God's Battalions" that gave an account of the Crusades. One of the reasons we speak English in the U.S. today is because of the Crusades which prevented Europe from a take over of the Middle East. Islam was in Jerusalem, Spain, France and Constantinople. This is because Europe had been under attack for centuries by the Middle East and they finally responded with military assaults because pilgrims to Israel were being attacked and killed. The Crusades drove the Middle East influence out of Europe.

The end of the world 2012 beliefs are false. The LORD's coming is going to be like Peter and Paul wrote: 1 This second epistle, beloved, I now write unto you; in both which I stir up your pure minds by way of remembrance: 2 That ye may be mindful of the words which were spoken before by the holy prophets, and of the commandment of us the apostles of the Lord and Saviour: 3 Knowing this first, that there shall come in the last days scoffers, walking after their own lusts, 4 And saying, Where is the promise of his coming? for since the fathers fell asleep, all things continue as they were from the beginning of the creation. - II Peter 3 The day of judgment is going to come like a thief in the night to the wicked. 2 For yourselves know perfectly that the day of the Lord so cometh as a thief in the night. 3 For when they shall say, Peace and safety; then sudden destruction cometh upon them, as travail upon a woman with child; and they shall not escape. 4 But ye, brethren, are not in darkness, that that day should overtake you as a thief. 5 Ye are all the children of light, and the children of the day: we are not of the night, nor of darkness. 6 Therefore let us not sleep, as do others; but let us watch and be sober. - I Thessalonians 5

I never saw that insight in I Corinthians 8:6 before. Thanks for the knowledge.

UrbanFool, I know no one could write the Book of Mormon unless the hand of God was helping them. The work of the Book of Mormon speaks for itself. Satan hates the book because it is completely contrary to his work. The LORD uses the book as His tool because it contains the fulness of the Gospel of Jesus Christ.

I've used to pray for a narcissist I knew. I prayed that the LORD would humble him. I do not know if the LORD answered my prayer or if he eventually had to face what seeds he had sown by his actions. Looking back I wish I would have prayed for his eyes to be opened so he could see what his actions were doing and how he would be accountable for his actions before the LORD.

Abba has some really great songs. Those two women have voices that work in sweet harmony.

Ben, you have rubbed shoulders with a lot of different people.

The Best Song from the music group "Abba" I love this song:

It doesn't really matter to me if children in a play are wearing little angel wings or not. I did find this teaching and I thought it was interesting: "The word cherubim usually refers to guardians of sacred things. While the exact meaning of the word is not known, most scholars agree that these cherubim represented “redeemed and glorified manhood” or “glorified saints and angels” (Wilson, Old Testament Word Studies, s.v. “cherubim,” p. 75). Since Latter-day Saints do not believe that angels have wings, as they are often shown in religious art, the commandment to form wings on the cherubim may raise some questions. Another revelation indicates, however, that wings symbolically represent the power to move and to act (see Doc. & Cov. 77:4). Between these cherubim on the mercy seat, God told Moses, He would meet with him and commune with him. Latter-day revelations state that angels stand as sentinels guarding the presence of God (see Doc & Cov. 132:19). https://lds.org/manual/old-testament-student-manual-genesis-2-samuel/exodus-25-30-35-40?lang=eng&query=cherubim

A man who died firm in the faith of Christ. I wonder if I will get to that age?

Congratulations. Feast on the word of the LORD and begin your journey up the mountain. It doesn't seem like it was the year 1983 when I was baptized. There have been hard times and times plenty and rejoicing. Next thing I know it will be 28 years later and I will be an old man.

The way things are going in the United States we are heading for more economic problems. Unless Congress decides to only spend what they are taking in with taxes. There will be inflation in the future. I am hoping that inflation doesn't go any higher than 30 percent per year.