 There is this famous saying that time is money. You know why they say that? Imagine there is a bank that credits your bank account each morning with 86,400 rupees. It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to use spent during the day. What would you do? Well, you will obviously draw out every rupee, paisa, baini. Each of us has such a bank and It is known as time. Every morning it credits you with 86,400 seconds. Every night it writes it 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. You must live in the present on today's deposits. Invested to get from it the utmost in health, happiness and success. The clock is running. Make the most of it today. To realize the value of one year, one year ask the student who failed a grade or an exam. 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 magazine or a 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. And to realize the value of just one second, ask the person who just avoided an accident. Treasure every moment that you have. Remember that no one will have time eventually. Tomorrow is a mystery. Today is a gift. Yes, that's why it is called the present.