In "Spur Of The Moment", Ann is a wealthy heiress who goes out horseback riding, but encounters a frightening looking figure of a woman, clad in black, also on horseback, chasing her. She rushes home, convinced the woman was trying to kill her, not knowing the lady was, in fact, trying to stop her from making a mistake that would result in years of misery. She is comforted by her parents, and by the man who wants to marry her, Robert, a stockbroker, who is approved by her parents. Then David, an impetuous young man, storms in, demanding to see her. After ignoring repeated demands to leave, he finally does so. But not for long. He loves Ann, and she loves him. Fast forward about twenty years into the future, where a miserable and cynical Ann is drinking herself away, with her mother in the house which Ann has inherited, and her husband, her "true love", David, a lazy, inconsiderate jerk who loves only what's left of her money, taunting her. Then, back to the past again, we see Ann and David eloping. Then, again, we see the woman in black, whom we now know to be Ann herself twenty years in the future, again chasing her on horseback, yelling her name, trying desperately to stop her from marrying David. She will keep trying, in vain, because the young Ann will not listen.
We have all made mistakes that have affected our lives to varying degrees. Perhaps we too have encountered phantoms from the future who, with the benefit of hindsight, are trying to stop us from doing this, or perhaps trying to get us to do that, to save us from misery. And who of us would not like to go back in time to save ourselves from a life-altering mistake or deed, or to persuade us to do something we should do? Ann had that chance, but couldn't capitalize on it.