3) I don't understand this last word of advice. It was given to me in a dream by what looked for all the world like a cross between an angel and a ghost. I was instructed that it should be the last word of advice. It's a single word. I was told the word, then told how to spell the word, then told how to write the word phonetically. Here goes:

ghetto (pronounced gedo, short e long o.)

lpaf


ps: I asked if it was supposed to be "geko" but was told no.