If you had a bank that credited your account each morning with R86,400.00 that carried over no balance from day to day, allowed you to keep no cash in your account - and every evening cancelled whatever part of the amount you failed to use during the day.  What would you do?  Draw out every single cent every day, of course, and use it to your advantage.


Well!  You have such a bank and its name is TIME.  Every night it rules off as lost whatever of this you failed to invest to good purpose.  It carries over no balance, it allows no overdrafts.  If you fail to use the day's deposits, the loss is yours.  There is no going back.  There is no drawing against tomorrow.  It is up to each one of us to invest this precious fund of hours, minutes and seconds, in order to get from it the most life intended.