Imagine there is a bank that credits your account each morning with $86,400
 It carries over no balance from day to day
 Every evening deletes whatever part of the balance you failed to use
 during the day.
 What would you do?
 Draw out every cent, of course!!!!

 Each of us has a bank
 It's name is TIME
 Every morning, it credits us with 86,400 seconds.
 Every night it writes off, as failed to invest to good purpose.
 It carries no balance.
 It allows no overdraft.

 Each day it opens a new account for you,
 Each night it burns the remains of the day.
 If you fail to use the day's deposits, the loss is yours.
 There is no going back.
 There is no drawing against the "tomorrow".

 You must live in the present on today's deposits.
 Invest it so as to get from it the utmost in health, happiness and success!
 The clock is running,
 Make the most of today.

 To realize the value of ONE YEAR, ask a student who failed a grade.
 To realize the value of ONE MONTH, ask the mother who gave birth to a premature baby.
 To realize the value of ONE WEEK, ask the editor of a weekly newspaper.
 To realize the value of ONE HOUR, ask the lovers who are waiting to meet.
 To realize the value of ONE MINUTE, ask a person who missed the  train.
 To realize the value of ONE SECOND, ask a person who just avoided an accident.
 To realize the value of ONE MILLISECOND, ask the person who won a silver medal in the Olympics.

 Treasure every moment that you have!
 And treasure it more because you shared it with someone special,
 Special enough to spend your time.
 And remember that time waits for no one.

 Yesterday is history,
 Tomorrow is a mystery.
 Today is a gift,
 That's why it's call the present!