想像有一家銀行每天早上都在你的帳戶裡存入$86,400，可是每天的
帳戶餘額都不能結轉到明天，一到結算時間，銀行就會把你當日未用盡的
款項全數刪除。這種情況下你會怎麼做？當然，每天不留分文地全數提領
是最佳選擇。
你可能不曉得，其實我們每個人都有這樣的一個銀行，她的名字是「
時間TIME）」。每天早上「時間銀行」總會為你在帳戶裡自動存入86,400
秒；一到晚上，她也會自動把你當日虛擲掉的光陰全數註銷，沒有分秒可
以結轉到明天，你也不能提前預支片刻。
如果你沒能適當使用這些時間存款，損失掉的只有你自己會承擔。沒有
回頭重來，也不能預提明天，你必須根據你所擁有的這些時間存款而活在現
在。你應該善加投資運用，以換取最大的健康、快樂與成功。時鐘總是不停
地在運轉，努力讓每個今天都有最佳收穫。
想要體會「一年」有多少價值，你可以去問一個失敗重修的學生。
想要體會「一月」有多少價值，你可以去問一個不幸早產的母親。
想要體會「一週」有多少價值，你可以去問一個定期週刊的編輯。
想要體會「一小時」有多少價值，你可以去問一對等待相聚的戀人。
想要體會「一分鐘」有多少價值，你可以去問一個錯過火車的旅人。
想要體會「一秒鐘」有多少價值，你可以去問一個死裡逃生的幸運兒。
想要體會「一毫秒」有多少價值，你可以去問一個錯失金牌的運動員。
請珍視你所擁有的美好時光，特別是你可以和一些值得付出的人來分享
這些時光。別忘了時間不等人。
昨天已成為歷史，明天則遙不可知，而今天是一個禮物，所以英文把現
在稱為Present，（譯者按：Present別義為禮物）請珍惜這份禮物。
原版
A Wonderful Gift to You
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 out every cent, 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 so as to get from it the utmost in health, happiness, and success.. The clock is running. Make the most of every day.
To realize the value of ONE YEAR, ask a student who failed a grade.
To realize the value of ONE MONTH, ask a mother who gave birth to a premature baby.
To realize the value of ONE WEEK, ask the editor of a weekly 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.
To realize the value of ONE SECOND, ask a person who just avoided an accident.
To realize the value of ONE MILLISECOND, ask the person who won a silver medal in the Olympics.
Treasure every moment that you have! And treasure it more because you shared it with someone special, special enough to spend your time. And remember that time waits for no one. Yesterday is history. Tomorrow is mystery.
Today is a gift. That’s why it’s called the present.