89. Saving more, spending less, waste not, want not—these are the keys to overcome a global economic crisis
89. 拯救各國經濟的方法是「多儲蓄、少借錢」、「多儉樸、少貪婪」
導向成功的金玉良言 --- 成功秘碼39條
如何致富?且聽聽看富爸爸富媽媽是怎麼說的。
To overcome a global economic crisis, citizens around the world should learn to save more and borrow less—waste not, want not.
「拯救各國經濟的方法是,各國的人民要學會「多儲蓄、少借錢」、「多儉樸、少貪婪」。
If the average consumer feels too financially insecure to spend a reasonable amount of their earnings, the economy simply cannot recover.
「當人民對前途沒有信心,開始看緊荷包,縮衣節食、不敢消費時,這樣經濟是好不起來的。」
To overcome the current economic recession, we need to have practicality, originality, rationality, flexibility and wisdom.
「面對經濟不景氣,我們要務實創新有理性,彈性靈活有智慧,這樣才可以開創新局,渡過難關。」
With the stock market in decline, it’s important for investors to clearly identify the market trend and look for new investment opportunities, know when to bail ship and try to be flexible and daring while remaining level-headed. Only then can one hope to emerge from this crisis a winner.
「面對股市下跌,投資人更需要務實( 認清市場走向)、創新(另找投資機會)、彈性(不死守賠錢股)、靈活( 隨機應變)、有理性( 不衝動、不跟風、不貪)、有智慧(藝高人膽大),這樣才可以險中求勝。」
“No pain no gain” and “no risk no rewards” are things to keep in mind in the stock market. The money you lose is just tuition in a never-ending lesson, and the money you make generates taxes to benefit society and yourself.
「股市沒有痛苦就沒有收獲,股市沒有風險就沒有報酬。把賠錢的部份當作是 學費,把賺錢的部份當作是繳稅。賠錢繳學費,是教育自己。賺錢繳稅是造福自己,造福社會。」
Private investors are in effect only sowing the seeds in the stock market; it’s the large cap investors and brokers who reap the harvest.
「散戶是股市中的播種者,真正收割的是躲在股市背後的大盤手與經紀商。」
The stock market’s redistribution of capital only achieves one thing: helping the rich get richer, while bleeding the poor dry.
「經過股市財富重新分配之後,股市是讓有錢人更有錢,讓窮人更窮。」
It’s a tragic irony how the foolish and poor are always quick to offer up their hard-earned money to add to the riches of the smart and wealthy.
「奇怪,愚昧的人總是把錢往聰明的人口袋裡塞,好像不塞就不痛快一樣。」
Living by the rise and fall of the stock market is a high-stake game; it can never guarantee high yields, only high risk and huge loss.
「一味地追逐股票漲跌的人,他所冒的風險極高。追逐每一種股票的波段利益,它所伴隨而來不是高利潤,而是高風險與巨額損失。」
How much you spend should be proportional to how much you earn; the amount of your savings dictates how much you can spare for investments. Never allow yourself to overspend or overinvest.
「有多少收入,才能有多少消費。有多少儲蓄,才能有多少投資。絕對不可以打腫臉充胖子,過份消費,或過份投資。」
Don’t be faux riche: before investing in anything, you must understand the relationship between expenses and income, as well as that between savings and investments.
「要先處理好收入與消費、儲蓄與投資的關係,之後才能講投資,否則就是打腫臉充胖子。」
A person’s confidence is directly proportional to how much he makes and how much savings he has.
「個人的信心,與個人的收入與儲蓄有關,收入愈高,信心愈高。儲蓄愈多,現金愈足,個人的自信心也就愈高。」
Your saving is more important than your income. Those without savings shouldn’t even consider investing.
「儲蓄比收入重要。沒有儲蓄就別談投資。」
Investing with borrowed money is more than risky; it’s financial suicide.
「自己沒有積蓄。卻用借錢的方式去投資,那不叫做投資,那叫做財務自殺。」
Pay for your expenses and investments with money you save, not money you borrow.
「消費是要用自己儲蓄下來的錢去消費。投資是要用自己儲蓄下來的錢去投資,而不是用借錢的方式去消費、去投資。」
Using your own savings for your expenses is different from using borrowed money, in that you don’t need to pay it back with interest.
「用自己儲蓄下來的錢去消費,與用借來的錢拿去消費是完全不同的。借來的錢是一定要還的,還要加上利息一起還。」
Taking on new debts to pay off old ones is meaningless in terms of improving your financial balance.
「舉新債來還舊債,對改善個人的財務平衡是沒有幫助的。」
The way to salvage the U.S. economy is not to lower interest rates, but to increase the savings of the average American.
「美國經濟問題的重點,不在於降低利息以救經濟,而在於國民儲蓄率太低。」
A country that doesn’t know how to tighten its expenditures in hard times and only rely on issuing bonds alone will only find itself further in debt.
「不知節儉儲蓄,只靠發行公債來周轉的國家,只會愈來愈窮。」
The domestic financial predicament that the United States is currently facing stems from its citizens’ lack of savings and wasteful lifestyle.
「造成美國國力外強中乾的原因,就是國民消費過度,沒有儲蓄。」
Personal savings is very important, not only for the unpredictable things in life. It can also be used for investments and to strengthen our national economy.
「儲蓄非常重要,不僅可救急,還可以用來投資、強國。」
Insufficient savings, often coupled with debts passing from one generation onto another, remains one of the main causes for the current state of American economy, which is unlikely to recover unless the general public learns to start saving money.
「美國的經濟問題在儲蓄與債留子孫。如果不解決國民儲蓄偏低的問題,美國的經濟問題將永遠存在。」
A nation consumed with the stock market is a nation corrupted by greed, and will inevitably suffer for it.
「全民熱衷股票,全民來炒股,結果是全民遭受股災,這就是因為全民貪婪的結果。」
Wall Street is a spawning ground for filthy greed. No one can emerge from it untainted.
「華爾街是製造貪婪的大本營,誰跳進去,誰就變得更貪婪。」
Too many were driven by their greed into Wall Street, bent on making some easy money, yet end up losing everything.
「幾乎每一個貪婪的人,都跳進過華爾街,想去抓Easy Money的人,結果就是賠的更多。」
Wall Street was intended to be a hub where the financially-capable pool their wealth and resources to help companies raise capital and stimulate economic growth, yet was corrupted and twisted by human greed, claiming the life-long savings of countless men, even human life itself.
「華爾街本是累積資金的地方,能幫助企業順利募集資金,發展經濟,結果卻因為人們的貪婪,把華爾街變成了坑殺人的地方,多少人因華爾街而賠錢,也有多少人因華爾街而自殺,這些都是因為貪婪所引起的。」
Economic crisis originates from human greed. The greed in men’s heart feeds the greed of Wall Street, thus reeling in more capital from around the world, which further spawns an immense amount of greed.
「金融風暴的形成,就是起因於個人的貪婪。個人的貪婪促使了華爾街的貪婪,華爾街的貪婪又吸引了更多人們的資金,結果製造出更多更大的貪婪。」
Name brands often tempt people to spend more than they can spare, to give in to their vanity; and those consumed by the stock and real estate markets are enslaved by the promise of overnight riches. Those who give in to greed and dig themselves into a bottomless hole only have themselves to blame.
「 打腫臉充胖子是名牌害的。愛慕
虛榮是名牌代言人害的。炒股、炒房子是暴利害的。貪婪沒有節制是自己害的。
Resist the temptation of name brands, and don’t give in to your vanity; lead a simple life, then you will emerge untainted by the sea of greed.
「抵抗名牌的誘惑,除去你華而不實的虛榮心,這些都需要從簡單生活開始。唯有簡單生活,你才有可能出於泥而不染,不被他人的貪婪所污染。」
Don’t chase name brands, don’t let your actions be guided by vanity, and don’t dream of the pie in the sky. This is the way to start a simple life.
「不追求名牌,不追求虛榮,不好高騖遠,這是個人簡單生活的開始。」
Work hard and be frugal. A simple lifestyle will benefit yourself and your family, as well as the society in general.
「要學會簡單生活,且要勤奮節儉,不僅個人蒙福,家庭、社會也會得利。」
Do not give in to temptations and live a simple life—such is the way to conquer one’s greed.
「要降低情慾的標準,要簡單生活,這樣才能克制貪婪。」
A simple lifestyle is full of benefits. At the very least your life will not have a negative impact on the world around you.
「學會簡單生活,好處多多,至少你不會危害社會、危害世界。」
A nation whose people only knows how to spend and not to save money will have a bleak future indeed.
「如果一個的人民,只知消費,不知儲蓄,這個國家是不會有前途的。」
A government that only takes on debts but do not pay them off is never one to gain respect.
「如果一個政府只知舉債,不知還債的,這政府是不會被尊敬的。」
A parent who passes his own debts on to his children with no regard for their wellbeing cannot hope for fidelity from his offspring.
「如果一個人只知債留子孫,不知恩澤子孫的,這個家庭不會有孝子的。」
There is no hope for a man who does not know to save up his earnings.
「如果一個人沒有養成儲蓄的習慣,這個個人是沒有希望的。」
A nation made up of citizens without savings has no hope for a desirable future.
「如果一個國家做不到全民儲蓄,這個國家是沒有希望的。」
The key to stay afloat in an economic recession is to be practical and innovative while staying rational, also be flexible and wise. Save more, borrow less. Embrace frugality and resist greed.
「面對經濟不景氣其應對的方法是:務實創新有理性,彈性靈活有智慧,「多儲蓄、少借錢」、「多儉樸、少貪婪。」
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