In "New Year's Day," poet Billy Collins notes that we have a second birthday each year when we're able to take stock and start over. Later in the poem, he talks about that unnamed day now that will be marked down on future calendars on a loved one's wall as the one in which we check out. Today is one of those days in my family -- the day my father was killed in a vehicle crash in 1976. It changed the whole dynamic of my family. He was 55 when he died. I'm 5 years older than that. My biggest regret in life is that my kids weren't born then and never had a chance to meet their wonderful grandfather. Do you have a day on the calendar that you approach with trepidation? Now, for your Wild Card ...