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Everyone is naturally endowed with two common but great gifts: mind and time. Now, it's up to you/us to utilize both of them positively or negatively. Nevertheless, I'm urging that you use them positively rather than negatively. Because, however they are used presently will determine what will become of you in the future. I mean, if you use your mind/time positively today, definitely you will reap the rewards, subsequently, financially and otherwise. But, the reverse will be the case if you do misuse your own mind/time.