Time is an asset and a liability. Call your attorney, physician, or clergy, and the first thing they do is block out a space on their calendar for you. Go to church or a meeting and you see people looking at their watches or waiting for the hourly chime. You take time off to be with the family or to golf and, before you know it, it’s time to do the next thing. Time keeps rolling like the waters in a stream.

Time is an asset and a liability. We have the choice of taking it for granted letting it pass unfulfilled or doing something to make every minute quality time in our living.

A scenario clergy are likely to hear goes like this: “I don’t have time to go to church. I don’t have time to read the Bible and pray each morning. By the time I get up, shower, have breakfast, it’s time to go to …