Guidance   The past is a fact, and we can rework it without being delusional. We can recycle the parts that we no longer have use for. Handling the past: what parts we take with us as we head for the future, and what parts we are stuck on wishing to God things had been different: We can plan what use we make of the parts. What we pursue on a daily basis makes a good or a regrettable past. The messages are also about turning financial bad times around, too.

  Is this the first time yo...