SUE - You must be married in the Temple in order to live after this life in the Celestial Kingdom, but if I never marry in this life do I understand that I'll never be eligible for the Celestial Kindom and that means I'll never see, meet or be with Heavenly Father? This is understanding that I'm living righteously.

JOEL - If you deserve to obtain the highest level of the Celestial Kingdom, God will make a way for it to happen. In the Doctrine and Covenants we are told:

"Thus came the voice of the Lord unto me, saying: All who have died without a knowledge of this gospel, who would have received it if they had been permitted to tarry, shall be heirs of the celestial kingdom of God;
Also all that shall die henceforth without a knowledge of it, who would have received it with all their hearts, shall be heirs of that kingdom;
For I, the Lord, will judge all men according to their works, according to the desire of their hearts." (D&C 137:7-9)

From this scripture we can logically assume that all who have died without the opportunity having a Temple marrige, who would have done so if they had been given the opportunity, shall be able to obtain this blessing in the next life; perhaps during the Millenium. God judges all of us according to our works and the desires of our heart.

President Boyd K. Packer said:
"Any soul who by nature or circumstance is not afforded the blessing of marriage and parenthood, or who innocently must act alone in rearing children, working to support them, will not be denied in the eternities any blessing—provided they keep the commandments." (“For Time and All Eternity,” Ensign, Nov. 1993, 21)

President Harold B. Lee said:
“[Women] who have been denied the blessings of wifehood or motherhood in this life—who say in their heart, if I could have done, I would have done, or I would give if I had, but I cannot for I have not—the Lord will bless you as though you had done, and the world to come will compensate for those who desire in their hearts the righteous blessings that they were not able to have because of no fault of their own.” (Ye Are the Light of the World, Salt Lake City: Deseret Book Co., 1974, p. 292.)

President Spencer W. Kimball said:
"And in the meantime, we promise you that insofar as eternity is concerned, no soul will be deprived of rich and high and eternal blessings for anything which that person could not help, that the Lord never fails in his promises, and that every righteous person will receive eventually all to which the person is entitled and which he or she has not forfeited through any fault of his or her own. " (“The Importance of Celestial Marriage,” Tambuli, July 1980, 1)

President Hinckley once said:
My heart reaches out to those among us, especially our single sisters, who long for marriage and cannot seem to find it. Our Father in Heaven reserves for them every promised blessing. (Ensign, May 1991, 71)

President Hinckley in a General Women's meeting said:
"Some who are not married, through no fault of their own, ask whether they will always be denied the highest degree of glory in that kingdom. I am confident that under the plan of a loving Father and a divine Redeemer, no blessing of which you are otherwise worthy will forever be denied you." (Gordon B. Hinckley, “Daughters of God,” Ensign, Nov. 1991, 97)

SUE - If Gods plan is to test us while in mortality and He allows many bad things to happen to us without interferring... what is the point of prayer? Seems we really are on our own here. There's an ambivilance regarding prayer. Very confused on this!

JOEL - Our prayers can change things, it's just hard for us to know when it did make a difference. For example, how do you know that when you prayed to have a safe trip to some faraway destination, God did not intervene and prevent an accident that you might have otherwise had? Since nothing bad happened you don't notice it. It is true that God allows bad things to happen to us so we can grow and learn from the experience, and so we can have the opportunity to help others when bad things happen to them.
But there are other reasons for praying than just for God's protection against bad things.
We pray for strength to help us get through the bad things that do happen to us.
We pray to help us make important decisions.
We pray to worship God and give thanks to Him for what we have.
We pray for understanding of God's word and His doctrines.
We pray for others to receive and accept the Gospel.
We pray to ask forgiveness for our sins.
We pray for peace of mind.
We pray so we can have a deep and personal relationship with God so we can feel His love and accept His will.

Dealing with the bad things that happens is one of the important reasons why we are here on this earth. If we can recognize God's hand and wisdom in all things that happen we can have a better attitude about how and what we pray for.
We must also pray with faith, believing that God will answer our prayers. Praying without the faith is like trying to call someone using a cell phone with a dead battery. If our faith is strong enough God will allow changes to what normally would have happened if He judges that is a righteous request and is for our good.