97. Being a smart man, you must take action rather than being idle and missing out on great opportunities.
97. 聰明的人不該坐失良機，應該要有行動了
導向成功的金玉良言 --- 成功秘碼 73條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
To winners, the worst news means the best opportunity for investments.
「對嬴家來說，愈是壞消息， 愈是投資的好機會。」
There is no strength in worry, no confidence in depression, no courage in fear, no hope in moping, no joy in misery, no opportunity in despair, and no success in quitting.
「煩惱生不出力量，沮喪生不出自信，害怕生不出勇氣，憂鬱生不出希望，痛苦生不出快樂，絕望生不出機會，自暴自棄生不出成功。」
It’s important to seize the opportunities to become rich; otherwise you may suffer a hapless life of hardship, and worse—drag down your family and children to suffer the same struggles.
「把握致富的機會非常重要。如果你不會把握致富的機會，不僅你自己吃苦頭，無幸福可言，甚至也可連累到你的家人跟著你吃苦二輩子。」
The subprime mortgage crisis has brought about a disaster for the US real estate market. But it has also created an opportunity for the United States government to improve their laws and policies concerning real estate loans, to ensure a steadier, healthier future for the real estate market.
「次級房貸危機帶給美國房地產危機，也帶給美國房地產貸款法規與制度一次修正的機會，好讓房地產市場以後走的更健康。」
While the falling real estate market is bad news for many, it’s also the perfect opportunity for you to make a purchase. If you miss this opportunity, you may never come close to buying a home again.
「房價下跌的壞消息，就是給你一次買屋的機會，如果你還繼續錯失這次機會，那你就可能永遠是一個無殼蝸牛。」
The subprime mortgage crisis caused many to lose their houses, shattering the American Dream of many.
「房貸危機不僅使民眾失去房子，也使大多數美國人的美國夢破碎了。」
The subprime mortgage crisis and the financial crisis that followed, lasting from 2006 till 2010, not only severely devalued the assets of the average American, but also had a serious impact on United States’ financial prowess and its reputation as the center of world economy.
「2006年至2010年的次貸危機、金融危機，不僅使美國人的財產縮水，也使美國的國力與名譽受損。」
If a person’s expenses consistently surpass his income, and if this person does not have adequate savings to begin with, he is almost certainly doomed to poverty.
「如果個人的支出長期大於其個人收入，又加上沒有足夠的個人儲蓄，這樣的個人是難以脫困離貧的。」
A government that gets by on debts, which are bound to be passed down to future generations, can only drive the nation towards further economic turmoil.
「靠借錢過日子，又債留子孫的政府，像這樣的國家，其經濟走向只會愈來愈險惡。」
If the home loan policy is tightened too much, it will make it even harder for real estate owners to get a new loan they’re in dire need of. Not only that, it will actually increase the number of people falling behind on their payments, as well as the number of houses being foreclosed.
「借貸標準趨嚴，將迫使已經面臨困境的屋主更難以重新貸款，進而使拖欠還款與法拍屋的數量增加。」
As the banks tighten the requirements of mortgage applications, insisting on close inspection of the applicants’ financial capacity, it may make it even harder to find qualified buyers in a real estate market already drowning in unsold homes.
「銀行提高貸款條件，嚴格審查貸款人的財力，這恐將使已經低迷不振的房市，更不容易找到合格的買主。」
Even if you have a down payment, you still need proof of substantial income level to get the loan you need.
「 僅憑有頭款但沒有足夠收入的人，也是很難取得房屋貸款的。」
If the subprime mortgage crisis causes U.S. financial institutions to raise the requirements for mortgage application, or decrease loan amounts, then it will most certainly have a negative impact on the US economic growth in future years, as well as the real estate recovery.
「如果美國金融業因受次貸虧損，被迫提高借貸標準或減縮放貸額度，這對美國經濟發展、房價成長造成嚴重負面影響。」
The persistently dropping real estate price in the U.S. posts a more serious threat to US economy than the financial crisis itself, for it directly impacts the average Americans’ standard of living and security.
「美國房價持續下跌，對美國經濟來說，房價暴跌的問題比金融風暴更嚴重，它嚴重影響到美國人民的生活水平及安全。」
You can often find some exquisite-looking houses in small towns costing as little as $100,000, only because there are no job opportunities in the region. People can’t live where they cannot work, therefore, the real value of a house is closely related to the state of local economy.
「有些城鎮的房子很漂亮，但因沒有工作機會，售價僅10萬元。民眾不能住在沒有工作機會的城鎮，房屋的真正價值與當地經濟收入有關。」
The actual value of a house should be tied to its construction cost. However, in regions most heavily impacted by the economic recession, the housing price has fallen below its original cost of construction, creating losses everywhere.
「房屋的真正價值應該與它的造價成本有關。但在某些經濟衰退的地區，那裡的房價已跌到造價成本以下，可以說到處都是賠錢貨。」
If housing prices in the United States keep dropping, it can cause huge setbacks to the US economic recovery, financial stability, and even public safety in certain regions.
「如果美國房價再持續下跌，對美國經濟復甦、金融平穩與當地冶安造成嚴重負面影響。」
Success never befalls upon pessimists. Only optimistic people treat the worst news as the biggest opportunity.
「悲觀者，他將與成功無緣。而樂觀者總是認為愈是壞消息 ，愈是一個大好的機會。」
Bad news and good opportunity are two sides of the same coin. For those who can spot an opportunity for what it is, every bad news is indeed promise of good news in disguise.
「壞消息與好機會是一體的兩面，對於能善用機會的人來說，愈是一個壞消息 ，就愈是一個好消息」。
Negative people see bad news as just that—bad news. Positive people treat bad news as good news. A man with foresight would see any bad news as a good opportunity for investment.
「消極的人認為壞消息就是壞消息。積極的人認為壞消息就是好消息，有遠見的人認為愈是壞消息， 愈是投資的好機會。」
Let bygone’s be bygone’s, for you can always start over. Leave the nightmare of subprime mortgage and the real estate crash behind. You must keep working hard, and start saving money, so as to get ready for the brand new opportunities just around the corner.
「舊事己過，一切都可重新開始。除掉次貸風暴房價下跌的陰影，你要重新努力工作，多多儲蓄，迎接下一個投資機會 / 希望吧。」
A man without confidence would be petrified by the falling real estate prices, while a person with a positive mindset would only see it as the perfect opportunity to invest.
「沒有信心的人認為房價下跌很可怕。積極有信心的人，認為房價下跌愈多，才是真正投資的時候。」
Winners are those who have the courage to move forward in the darkness while others tremble in fear.
「當大家都在懼怕的時候。能奮勇向前挺身而出的人，才會是真正的領頭羊 / 獲利者。」
A stagnant real estate market should be seen as an opportunity to aggressively invest in real estate for sure gains in the future. A man with foresight always comes out on top.
「能夠在房市低迷的時候。積極搶進房子，且看到未來機會的人，才會是真正的嬴家。」
The economic crisis has passed, and everything can start anew. Bad news only means great opportunity for investments.
「經濟風暴己過，一切都可以重新開始。愈是壞消息， 愈是投資的好機會。」
The real estate market is still in a period of downturn, which has scared plenty of home owners into selling their residences below market price. Now is the chance for those ambitious investors to get their cash ready and jump in to snatch a well-located property at the most opportune time.
「現在房價正處在一個下跌回檔整理的階段，嚇得屋主紛紛殺價求售，此時，想要賺大錢的買主應該趁此機會，準備好大量現金，伺機行動，看準時間點搶進好地段的房產，來一個捷足先登，做一個聰明的嬴家。」
When the opportunity is ripe for investment, he, who holds the most cash, wins.
「當投資的好機會來臨時，對握有大量現金的人來說，永遠是個嬴家。」
Winners are those who have the foresight, brain power and substantial financial capability, who are always prepared and ready for action, men who know to invest.
「凡是有眼光的、有準備的、有頭腦的、有實力的、有行動的、有投資的人，將來才會是個嬴家。」
Winners do not fear bad news; they only fear the lack of opportunities. As long as there are opportunities, they will seize them and emerge victorious.
「嬴家說，我不怕壞消息，我只怕沒有機會，只要給我機會，我一定會嬴。」
A string of bad news is a string of opportunities for you, and if you keep passing them up, you will forever stay a loser.
「不斷的壞消息就是給你不斷的機會，但是如果你繼續放棄這些機會，那你就可能是永遠的輸家。」
If you don’t want to stay a loser, you must learn to seize every opportunity. If you are always waiting for something better to come, and never taking advantage of what’s in front of you, you’ll be doomed to fail.
「不想成為永遠輸家的人，就要把握住隨時可得的機會。如果你不去把握現有的機會，還在痴痴等待下次機會的人，只會是愈來愈失敗。」
A low housing market is the opportunity that many have been waiting for to turn the tide for themselves. If now is not the time for you to buy, then when is?
「房價下跌的時侯，就是窮人翻身的時侯，如果窮人不趁房價低的時候購屋，哪還在等待何年何月何時呢？」
Those who can make up their mind and take action are capitalizing on every opportunity. Others who sit around waiting for something good to happen are letting real opportunities pass by.
「下定決心，說做就做的人就是在把握機會。痴痴等待的人就是在浪費機會。」
As the market downturn draws to an end, it’s time for you to move in and invest.
「利空出盡的時侯，就是你進場獲利的時侯。」
Waiting in vain never accomplishes anything: if you want to make a profit, you need to act now.
「只會痴痴地等待是沒有什麼益處的，想要獲利就要立即明快的行動。」
Time and opportunity wait for no one. Only those determined to take immediate actions can keep up with opportunities.
「時間是不等人的，機會是不等人的，只有立即行動才能追得上機會。」
Don’t idly wait for opportunities to pass you by. You’ll be left with nothing but regret.
「不要讓機會白白流失掉，最後只留下「後侮」兩個字。」
An opportunity seized may change a person’s life, so don’t let any pass you by. If you don’t want your life to be a waste, learn to create opportunities and grab them when they come your way.
「擁有機會就是豐富一生，所以不要讓機會白白流失掉。想要讓生命發光發熱，你就要時時創造機會、抓住機會。」
A humble clam can turn worthless sand into pearls. Similarly, without that modest investment in real estate ten, twenty years ago, how can you be a millionaire today.
「記住 / 記著，讓沙子變珍珠的是蚌殼 / 蚌母。同理，讓你變富翁的是你十、廿年前 (房地產 )的投資，如果你沒有十、廿年前的房地產投資，你今天如何成為富翁呢？」
The best opportunities, like time, wait for no one, so seize them at all cost.
「愈是好機會，愈是要抓住它不放，因為機會 ( 歲月 )是絕不等你的。」
The only path from poverty to wealth is paved with rational, decisive and opportune investments.
「由窮變富唯一的方法就是你能抓住投資的機會、果敢有行動、且有主動理性的投資。」
To live an enchanted life, you must hold true to your ideals and seize good opportunities in life.
「有理想且會抓住機會的人，他的人生才會完美。」
Greed often permeates our lives. Making low-ball offers in buying a property is an example of that. Many great opportunities we come across are drowned out by our greed.
「一生之中，我們有著許多的貪婪，買房子愛殺價就是一例。許多發達的機會，就在貪婪的心態中消失了。」
What is your dream? What will your future be like? People often do too much thinking yet take too little action. They have too many desires but aren’t willing to give anything up. Don’t leave any regrets, seize the opportunity to buy a house right now, and be a successful investor today!
「重新思考你的理想是什麼？你的未來是什麼？人常常「想的太多，做的太少，且貪的太多，捨的太少」，為了不造成遺憾，請你及早把握購屋的機會，做一個成功的投資人吧！」
The 10 keys to become a millionaire: visionary, foresight, courage, tenacity, willingness to work hard, hunger for learning, resourcefulness, the ability to raise capital, the decisiveness to seize opportunities, and the potential to create your own opportunities.
「富豪成功的十大要素，有「眼光和遠見、膽識和毅力、勤奮和學習、整合資源的能力、募集資金的能力、把握機會的能力 和 創造機會的能力。」
It’s important to seize the opportunities to become rich; otherwise you may suffer a hapless life of hardship, and worse—drag down your family and children to suffer the same struggles.
「把握致富的機會非常重要。如果你不會把握致富的機會，不僅你自己吃苦沒幸福，你也可連累你的家人跟著你吃二輩子的苦。」
A man sees a red cherry hanging from the tree. He decides to come back in a few days, so it will ripen even more, only to find later that it’s been eaten by birds. When there’s an opportunity, if you wait to think it over, doing nothing, you will end up losing it.
「 樹上有顆紅櫻桃，但還不太熟，你想過幾天再來摘它，結果隔天櫻桃就被小鳥吃掉了，你想、你等待、就是沒行動，機會就是這樣消失了。」
Most people are waiting for housing price to hit rock bottom before moving in to invest. This may appear to be the action of a shrewd investor, but really it’s just an obsession with petty gains. Their fear of losing small profits prevents them from taking action and therefore, they will miss out on the best chance to invest.
「太多的人在等待房價跌到谷底之後才要進場購屋，這樣的人是太精明了，他們只重視貪小便宜，看到的都是小利與小惠，由於他們太重視小利反而讓他們不敢進場購屋，結果這樣讓他們失去了最重要的致富機會。」
Don’t forsake an opportunity of a lifetime for such things as petty profits and greed. Stay focused on your vision and have the foresight to see what’s truly important.
「小利與小惠絕不可取代你致富的機會，你也不可讓貪心與佔小便宜的心態，侵蝕掉你致富的機會，記住眼光要放的遠，願景和遠見最重要。」
One single match can burn down a house, just like how your greed and pettiness may blind you from an opportunity of a life time.
「一根小小的火柴棒就可燒掉一幢房子，你的貪心與佔小便宜的心態，也可燒掉你的致富機會。」
A narrow, heartless mind and a stubborn, unyielding personality can wear down on your wealth like a match can burn down a house.
「狹隘無情的心胸 與 頑固不冥的個性，就像一根小小的火柴棒能燒掉你的財富。」
Poverty stems from greed. In other words, greed will lead you to poverty.
「貪者，貧字殼」，換句話說「貧是因貪而起，先有貪後才有貧。」
Greed is the obstacle between you and success. The greater the greed, the farther you are from wealth.
「貪字」就是阻止你發達的絆腳石，並且愈貪就愈貧。」
Whether you find success and happiness in life is often determined by how greedy you are.
「人生失不失敗、快不快樂也是由「貪字」來決定的‧‧。」
If we don’t give anything, we’ll get nothing. The unwillingness to give up money stems from our all-consuming greed.
「不捨就不得。我們不肯放下鈔票，就是因為我們太貪，貪得無厭。」
If you let go of the money in your hand, how can you ever put it to use?
「手上握著鈔票不肯放下，那怎麼買東西呢？」
Today you forsake an opportunity; tomorrow opportunity will have forsaken you. In the end, you will be the architect of your own poverty-stricken life.
「今天你放棄機會，明天機會就會放棄你，最後你自己讓你自己，終身得不到致富的機會。」
It’s very unfortunate when you find yourself in a falling real estate market and yet don’t have the sense to know when to buy. Just as when you come across an opportunity of wealth and yet don’t have the sense to seize it.
「當房價住下跌的時候，你不知道去買它，那是一個不幸。當致富的機會來臨時，你卻不知道要去把握它，那又將是另一個大不幸。」
Opportunities are to your life like the roots are to a big tree. Once disintegrated, the tree will eventually fall. If you keep wasting opportunities because of greed and laziness, you are letting the roots of your life wither away.
「機會就像大樹的根部，若樹根腐爛，大樹終將是會枯萎的。讓樹根腐爛的原因就是你的不勤奮、貪婪 與 浪費機會。」
People work to earn a salary, which they use to improve their lives. However, the largest revenue an individual can generate is from investments instead of salary, which is why giving up investments for a day job is very unwise.
「辛苦工作為了賺薪水，薪水又是為改善生活。而個人最大的收入不是來自薪水，而是來自投資，如果你為了薪水而放棄投資，那就不明智了。」
Working long hours for money enslaves you. That’s why you must learn to invest, and be your own master.
「長時間努力工作的你，容易變成為錢的奴隸，只有學會投資，才能使你不至於變成錢的奴隸。」
The only way to have money work for you is to learn how to invest wisely.
「讓錢為你工作的唯一一條路，就是你學會了正確的投資。」
Tired of being a slave to money, your boss, and your landlord? Invest right now and create a brighter future.
「從現在起，別再做錢的奴隸，別再做老闆的奴隸，別再做房東的奴隸。為了美好的願景，趁早做好投資。」
While the house price is still low, go and purchase the best bank-owned house on the cheap. Live in it or rent it out until the real estate market rises, then you can sell it. Follow this cycle and you’re guaranteed a wealthy life.
「趁房市不好的時候，用最低的價錢去買到狀況最好的拍賣屋 ( 廉價屋 ) ，然後自住或出租，直等到房價回升以後再出售它，如此循環操作，保證你獲利豐厚。」
There are an abundance of opportunities to create financial fortunes in the coming years between 2011 and 2014: don’t miss your chance to invest and make yourself rich.
「2011年至2014年是未年數年內製造財運最好的機會，希望你能把握住這個機會，拿出實際的投資行動來。」
Success requires action, and action must precede success—a key to always remember.
「 行動是成功的必然條件，也是成功的先決的條件，希望你沒忘記它。」
Good plans alone are never enough—a goal without execution is nothing but a pipe dream.
「光說不做，再好的計劃也都是空洞不實。只有理想沒有行動的人，所有的夢終將成為泡影。」
Don’t be just a talker: be a doer, for there is a big difference between a promise and a result.
「每一個人都該做一位實幹家，而不是空談家。言與行，承諾與實幹之間，是會有很大的分別的。」
Sitting around waiting is a fruitless game we can’t afford to play.
「我們玩不起這種消極等待沒有結果的遊戲。」
Staying on the move not only keeps your body in shape, it also promotes the growth of your assets.
「動、動、動、動起來，不僅有益於你的身體健康，也有益於你的財富成長。」
The best thing about investing is not the profit you gain for yourself, but how it benefits the world.
「在投資的實際行動中，最珍貴的不是你的獲利，而是從你慷慨的投資中，所帶給世人的福祉。」
As long as I’m alive, I will keep making sound investments, not for my own profits, but to help make a better world for humanity at large.
「有生之年，我要做許多不同的投資，不是為著自己獲利，而是為著世界更美好，人類更幸福。」
“Limited resources versus unlimited needs” is an important theory in economics. It is manifested in the rising of real estate markets.
Understand the conflict between limited resources and unlimited needs, and you will realize how important timing is to any investment.
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