95. Having foresight always trumps being shrewd.

95. 精打細算很重要，但前瞻性更重要

導向成功的金玉良言 ---  成功秘碼 27條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。

Being shrewd and tightfisted is far from being brilliant and wise.
「聰明又小氣  與 聰明有智慧是大大的不相同的。」

Let’s give credit to those shrewd and tightfisted buyers who caused the decline of the real estate market and plummeting house prices.
「 就是這些聰明又小氣的買主，才令會使得房市交易量萎縮，讓房價繼續下跌，見不到谷底。」

In business and investment alike, you must lead the parade.  The farther ahead you are, the more profit you’ll make.
「投資創業就是要走在別人的前面，愈是走在別人前面，就愈有賺到錢的機會。」

Successful investment requires speedy action.  Later investors may well end up losing money.  An investment too late can almost guarantee you lose more than you gain.
「投資就是要動作快。凡跟在別人後面的投資，就很可能會賠到錢。投資老是跟在別人後面晚半拍，那就可能是你賠錢的開始。」

True opportunities only appear to those few who can spot them.  The kind of “opportunity” that everyone can see is too often nothing but a mirage.
「機會就是別人看不到的，而你卻看得到，這才叫做機會，如果人人都看得到的機會，那就不叫做機會了。」

Be a man of brilliance and wisdom, not a shrewd and tight-fisted bloke.
「你不要去做聰明又小氣的人。你要去做聰明且有智慧的人。」

A calculative mind is an intelligent mind, but being too calculating, unwilling to raise his bid even when needed to, is not the action of a wise investor.  Excessive shrewdness can often backfire, causing smart people to make some truly foolish decisions.
「會精打細算的人算是聰明的人。會精打細算但又不肯加價的人就算是聰明又小氣的人。聰明又小氣的人，常常會被自己的聰明所誤，那就變成不智慧了。」

An overly-shrewd and miserly man tends to miss out on great opportunities.  Only those with true wisdom can spot and seize opportunities with decisiveness.
「聰明又小氣的人常常會因為自己太精明/太小氣而錯失賺錢的機會，只有有智慧的人才會大大方方的把握機會。」

In finance, you should strive to be a man of brilliance and wisdom, not one who’s just too shrewd for his own good.
「從投資理財的角度來說，你要做一個聰明又有智慧的人，而不是要去做一個精明過頭的人。」

A man overly shrewd is really just a penny pincher looking for small time gains.  A business run by someone like that can hardly last for too long.
「精明過頭的人，就是愛佔小便宜且很扣的人。這樣的人，他做的生意是不會長久的。」

In the arena of finance and investment, having foresight trumps being shrewd because shrewdness minus foresight equals shortsightedness.  Shortsighted people will never see the vision, which is why being overly calculative will only get in the way of your financial success.
「 投資理財除了要有「精打細算」外，更重要的是要有「前瞻性」，如果你太專注於「精打細算」而忽略了「前瞻性」，那麼你就會短視，而短視的人是看不到遠景的，所以說太會「算計」而不肯吃虧的人，是不會發財的。」

Those who are overly shrewd and calculating, unwilling to concede the tiniest losses, will never be rich.
「太過精明，太會算計而不肯吃虧的人，是不會發財的。」

Those without wisdom cannot find success. The shortsighted penny-pinchers can hardly ever get rich.
「凡喪失智慧的人是不可能成功的。凡「短視」又小氣 的人是不可能發財的。」

Warren Buffett’s success comes from his wisdom and courage to seek opportunities whereas others succumb to fear in face of great risks.
「能在恐懼與危險中尋找機會的人，其智慧與膽識永遠高人一等，這就是股神巴菲特。」

Opportunities often present themselves to people who can withstand fear and despair.  Only those with vision and optimism can seize the opportunities when they see them.
「機會往往是在恐懼中與絕望中出現的。只有樂觀且具有前瞻性的人，才能找得到機會。」

If you can stay your ground in face of fears and continue searching for opportunities despite the risks, you’ll have a much better chance of finding success than the next man.
「能抵擋恐懼的人，能在危險中尋找機會的人，就會比他人更易獲得成功。」

At times, opportunities are not found, but made.  To seize an opportunity is to create one.  The better you are at seizing opportunities, the more you’ll create for yourself.
「有時機會是創造出來的。把握機會就是創造機會的一種方式，所以說，愈是把握機會就愈是創造機會。」

Opportunity arises from risk and fear.  Those who don’t take any risk will never find the opportunity they’re looking for.
「機會就是在恐懼中與危險中出現的，不冒風險的人就永遠不會得到機會。」

Do not panic over the falling real estate market.  The only way to vanquish fear and desperation is with composure, confidence, and hope.
「面對房價下跌，不要驚慌，不要害怕。戰勝恐懼的唯一方法就是沈著穩定，保持信心，充滿希望。」

People who cannot see the future are unlikely to ever see opportunities.  Those who can only see immediate opportunities, on the other hand, are shortsighted, and do not have the foresight to see the big picture.
「看不到未來的人」一定看不到機會。看到機會但看不到未來的人一定是短視的人。短視的人一定看不到未來的遠景。」

Those who over-think and are always calculating will never see the big picture.
「凡是處處與人斤斤計較，過於精明，過於精打細算的人，這樣的人是無法看到遠景的。」

Stop obsessing over immediate gains in order to find your true vision.  Only then can you hope to have a chance at succeeding.
「唯有放棄短利的思想，你才會有真正的願景，這樣你才會有較大成功的機會 。」

When fear and uncertainty make others wallow in despair, you should stand up and fight to create your own opportunity for success.
「當別人還在恐懼中感到絕望時。你就應該在恐懼中奮起，努力去開創另一個成功的機會。」

Don’t just sit there and wait for the housing market to bottom out.  Have the guts to invest right now when the opportunity is ripe, and be the master of your own fate.
 「你應該好好地把握現在的機會去投資房地產。而不只是傻傻地等待明年「房價谷底」的到來，這樣你才算是在掌握自己成功的命運  。」

Whether you’re investing, or running your own business, you must always have the foresight to keep an eye on the future, never to sacrifice the big picture for immediate, petty gains.
「投資做生意，必須要有前瞻性，不可只顧到眼前小利，而犧牲了以後的大利。」

Success comes from wisdom, not from being cunning.  While being calculative and shrewd in business is a good thing, it is foresight that will keep you on the right track.
「成功在於自己的智慧，而不是在於自己的小聰明。精打細算很重要，但前瞻性更重要。」