英语短文中有几个问题请教Each of us has such a bank,its name is TIME.Ever

英语短文中有几个问题请教
Each of us has such a bank,its name is TIME.
Every morning,it credits you with 84,400 seconds.①Every night it writes off,as loss,whatever of this you have failed to invest to good purpose.②It carries over no balance.It allows no overdraft(透支).
Each day it opens a new account for you.Eachnight it burns the remains of the day.③If you fail to use the day's deposits,the loss is yours.
There is no going back.④There 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 today.Remember that time waits for no one.
Questions:
①句子如何翻译?句子结构?invest+to的用法?
②句子如何翻译?carry over 及物还是不及物?no balance作什么成分?
③deposits是什么意思?
④句子如何翻译?