Dear Kid,

No matter how unimportant something may seem-- treasure it.

The first leaf of autumn.

The last flower of summer.

The sound of a heartbeat.

All these things come and go. All these things get lost so easily in the hurry and scurry of daily life.

Treasure them.

Record them.

Press them in between the pages of a book, to find at a later date and remember. Don't let them disappear from your mind.

Also, remember to keep and file your returned cheques so that you have evidence of regularly paying bills when the STUPID mortgage underwriters refuse to accept your perfectly fine credit history and ask for two more lines of credit THAT YOU DON'T HAVE.