Imagine if you have this bank account and every morning the bank gives you *86,400 free credit into your account. But, note that the bank will not allow you to carry over the balance to the next day. If you don't withdraw and use the *86,400 in each day you will lose it. And, whether you use it or not, the bank will give you that exact amount, every day, first thing in the morning. So, what would you do? Wouldn't you withdraw the amount each day and reinvest it or spend it? Now, let us realize that each day we get 86,400 second in our life- and every night it is written off. There is no carry-over of the unused second of time. There is no overdraft! Instead each day is a brand new account for each of us. If we fail to use it, there is no going back. And, we cannot borrow from tomorrow; we must live from today's deposits. So, make the best use of time! Yesterday is history. Tomorrow is mystery. And today? Today is a gift. That's why it's called the present!