Our Time Bank
 Imagine there is a bank which credits your account each morning
 with $86,400, 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, of course! Well, everyone has such a bank.
 Its name is TIME and the banker is GOD. Every morning, He credits you
 with 86,400 seconds. Every night He 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 He opens a new account for you. Each night He 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 the
 "tomorrow".
 You must live in the present on today's deposits. Invest it so as to
 get from it the utmost profit for His glory!
 The clock is running. Make the most of today..
 
         To realize the value of ONE YEAR 
         Ask a student who has failed and is held back a grade.
 
         To realize the value of ONE MONTH
         Ask a mother who has given birth to a baby born a month prematurely.
 
         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 who has ten kids 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 just missed the train.
 
         To realize the value of ONE SECOND
         Ask a person who has survived an near-miss accident.
 
         To realize the value of ONE MILLI-SECOND 
         Ask the person who has won a silver medal in Olympics.
 
         Treasure every moment that you have!
 
         And treasure it more because
         you shared it with someone special.. 
         special enough to have your time... 
         and remember time waits for no one...
 
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