This article is sponsored by LDSBC.

What a powerful thought: "no amount of speculation, questioning, or coaxing will ever make an unprepared young man into a great missionary." The desire to be a missionary, to grow closer to our Father in Heaven, and to learn more about the gospel lies with each of us individually, and no one else.

Dear Dave,

Dear Dave,

The following story was republished with permission from millo.co.

Building credit from scratch can be tricky. Whether you’re a young adult or looking to rebuild credit after a bad setback, getting your hands on credit can feel a little like the chicken and the egg. You can't get credit if you don't have a credit score, but you can't get a credit score if you have no credit. It’s the ultimate catch-22. So where do you start if you’ve never had credit before?

Clayton Christensen, 58, is one of the most influential business theorists of the last 50 years. The Harvard Business School professor's 1997 book, The Innovator's Dilemma, introduced in elegant terms the notion of "disruptive innovation," which explains how cheaper, simpler or unexpected products and services can bring down big companies like U.S. Steel, Xerox and Digital Equipment. Every day business leaders call him or make the pilgrimage to his office in Boston, Mass. to get advice or thank him for his ideas. A consulting firm he started popularizes his work, while a hedge fund run by one of his sons puts money to work betting on disruptive technologies. One industry that always eluded Christensen's influence was health care. Caregivers and insurers told him his theories didn't apply to their complex industry. Christensen knew they were wrong. His investigation culminated in his 2009 book, The Innovator's Prescription, written with two doctors. It exposed the many ways health care was broken and recommended numerous ways it can be systematized and disrupted the same way mainframes gave way to PCs and now iPhones.

Dear Dave,

A yoga teacher shared an idea that changed how I approach New Year’s: she suggested we make a list of things we are not going to change about ourselves.

Elder Paul V. Johnson, commissioner of the Church Educational System, announced significant changes to LDS Business College (LDSBC) at a devotional this morning.