In the name of Allah, Most Gracious, Most Merciful."
I swear by (the Token of) Time that Verily Man is in loss, Except those who have Faith, and do righteous deeds, and (join together) in the mutual teaching of Truth, and of Patience and Constancy.
Time is the most precious asset of one's life. If someone is devoid of the four qualities mentioned in the verses above, he will find that he has wasted this precious asset and has earned nothing but loss.
Time, once spent cannot be recycled. May Allah grant us the wisdom to productively utilize our time during the month of Ramazan in which one night is better than a thousand months.
May Allah bless you all. 
