I AGREE WHOLEHEARTEDLY.

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 every cent out of course!

Each of us has such a bank. Its name is TIME. Every morning, it credits you with 86,400 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 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 to get the most 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 has failed a 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 newspaper.

To realize the value of one day: Ask a daily-wage laborer with several children to feed.

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 has missed the train, bus or plane.

To realize the value of one-second: Ask a person who has survived an accident.

To realize the value of one millisecond: Ask the person who has won a silver medal in the Olympics.

To realize the value of a friend: Lose one.

Many people spend a great deal of time and energy thinking about past problems and future concerns, while the present is passing them by. Your past will not change, and your future concerns may never come.

Time waits for no one. Treasure every moment you have!