Imagine there is a bank which credits your account each morning with $84,600, carries over no balance from day to day, allows you to keep no cash balance, and every evening cancels whatever part of the amount you had failed to use during the day. What would you do? Draw out every cent and invest it wisely, of course!

Well, everyone has such a bank. Its name is TIME. Every morning, it credits you with exactly 84,600 seconds. 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 records 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 tomorrow. You just live in the present on today’s deposits. Invest it wisely, so as to get out of it the utmost in health, happiness and success!

But beware—the clock is running. Start making the most of today now….

To realize the value of ONE YEAR ask a student who has failed his final exam.

To realize the value of ONE MONTH ask a mother who has given birth to a premature baby.

To realize the value of ONE WEEK ask an editor of a weekly publication.

To realize the value of ONE DAY ask a daily wage laborer who has ten kids to feed.

To realize the value of ONE HOUR ask the long distance lovers who are waiting to be reunited.

To realize the value of ONE MINUTE ask a person who has missed their plane, train or bus.

To realize the value of ONE SECOND ask a person who has survived an accident.

To realize the value of ONE MILLI-SECOND ask the person who has won a silver medal in the Olympics.

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