Many of us have read or are familiar with the famous book A Christmas Carol by Charles Dickens. The story follows one fateful Christmas Eve for Ebineser Scrooge. That evening four ghosts pay him a visit. His old friend Marley, The Ghost of Christmas Past, The Ghost of Christmas Present, and the Ghost of Christmas Future. Each ghost has an important lesson for Mr. Scrooge and that evening changes his life.  Well, this story by Dickens is not just meant to be a story of a man learning how to change his ways and create a new life. It has deep and significant meaning for each of us as well.