I remember the day when my teacher of history at school told us that story. The story about “magic bank account” by Marc Levy. I bet many of you have heard that already. But as any wise thought it’s worth to listen to it again… “Imagine there is a bank account that credits your account each morning with $86,400.  It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to used during the day. What would you do? Draw out every cent, of course? Each of us has such a bank, it’s name is time. Every morning, it credits you 86,400 seconds. Every night it writes off at a lost, whatever of this you failed to invest to a good purpose. It carries over no balance. It allows no over draft. 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 drawing against “tomorrow”. …