There is no Handbook for the Homeless. Nobody teaches seminars or gives guided tours that promise to give you the inside scoop on where to flop when you're homeless. You have to figure it out as you go along. Few of us plan for it. Perhaps, in today's cliche driven world, it means we planned to fail. But how much farther can you fall than sleeping in the cemetery, curled up on your son's grave because it's the only piece of real estate you own. At best, if you find yourself homeless, if you haven't burned all your karma, you will find a spirit guide. More likely the guide will find you. In...