The Bank Account

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,
it 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 such a bank.  Its name is TIME.  Every morning, it credits you with
86,400 seconds (1,440 minutes).  Every night, it writes off, as lost, whatever of this you have failed
to invest to good purpose.  It carries over 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 a 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 person that forgot to turn on the alarm clock.
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 you have - time waits for no one. Yesterday is history - tomorrow is mystery. 

Today is a gift.  That's why we call it 'the present'.