Time was created by God, for our world.  It is limited – it has a beginning and an end.  When we live in the past, we encounter guilt, shame and regret.  When we live in the future, we worry and fear the unknown. When we live in the “here and now,” we can get stuck in secular notions like “time is money.”  All of these prevent us from experiencing time as the gift that it is.  The only way to truly experience the peace and serenity of life is in the present moment when we are in the presence of God – in prayer.