98. Understand the conflict between limited resources and unlimited needs, and you will realize how important timing is to any investment.
The only way to escape poverty and pursue wealth is to educate yourself in investment and financial management.
98. 「資源有限， 慾望無限」你要學會適時進場。
「 脫離貧窮、追求財富」你要學會投資理財。
導向成功的金玉良言 --- 成功秘碼 53條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
The average Joe who’s short on ideals dreams only about escaping poverty and getting rich.
「 脫離貧窮、追求財富是 一般升斗小民的夢想與理想。」
When the desire to escape poverty and the dream to get rich are mixed up together, they can easily lead someone to make mistakes and falter on their judgment, rationality, and foresight.
「當脫離貧窮 與 追求財富的意願連結在一起的時候，才會有「財不迷人，人自迷 」的現象發生，這時候人們最容易犯錯，失去判斷力、思考力 與 前瞻性。」
Money doesn’t turn into more money by default. Only money well-invested will expand into more wealth.
「不是每一個錢都會錢賺錢，只有被正確投資之後的錢才會錢賺錢。」
You want your money to earn more money for you, but money does not grow on its own. Only after careful investment and financial planning, will it turn into an engine that automatically generates more and more cash.
「錢不會自己賺錢。只有經過妥善處理的投資或理財之後，錢才會變成一種機器，自動的生出錢來，如：錢生錢、錢滾錢、錢養錢、錢賺錢。」
Whether escaping poverty or pursuing wealth, both require the right method, without which all your efforts will be in vain.
「 脫離貧窮、追求財富」是要有方法的。如果方法不對則會全功盡棄。」
If you have no knowledge of financial planning, your savings may gradually wear down to nothing.
「不懂投資理財，會讓你現有的財富縮水或消失。」
Without knowledge of financial planning, you’ll be trapped in poverty with no hope of escape.
「不懂投資理財，會讓你陷入到貧窮的漩渦中，難以逃脫。」
Everyone should educate themselves on finance and investing, and learn to independently analyze data and predict market trends. Only then can you become a successful investor.
「人人都要努力充實自己投資理財的知識，要養成自己能獨立分折數據，獨立研判走勢，這樣你才能投資成功。」
A person who knows nothing about investment or financial planning will never become a rich man.
「如果你不懂投資理財，你將與富人無緣。」
To be an investor, you not only need to have the money to invest, but also possess the knowledge on how to invest it.
「沒有錢，不能做投資。有錢沒知識，也一樣不能做投資。」
Making unwise investments is no different from throwing your money down the drain.
「抱著錢卻做出錯誤的投資，等於把錢丟到水溝裡。」
There are too many traps in stock market, which is why, without financial knowledge, you’re better off staying out of this game.
「股市隱藏著許多陷阱，沒有財經知識的人，最好不要去碰股票。」
The stock market is infested with liars and blood-sucking con men. Stay on guard, for your account manager’s priority isn’t making money for you but for himself.
「股市裡隱藏著許多騙子或吸血虫，小心，股市經理人不是在替你賺錢，而是在為他自己賺錢。」
The biggest mistake an investor can make in investment and financial planning is giving in to his greed.
「投資人出現投資上的貪婪，這是投資人在投資理財上，犯下的最大錯誤的地方。」
If you want to escape poverty and get rich, the only way is to get a good, thorough education on money management.
「你想脫離貧窮進入富足，唯一的一條路就是去學習投資理財，並且是徹徹底底的學會它。」
No one can pinpoint when exactly the economic recession will end. As long as you have reason to believe the economy is about to hit rock bottom, it’ll be the perfect opportunity to invest.
「沒有人能夠確定知道經濟衰退的谷底究竟在何年何時，所以只要在接近谷底的投資就是最好的投資時間點。」
Don’t count on a distant goal you may or may not accomplish in the unforeseeable future; focus on working towards something you know can be done right now.
「與其將來做沒有把握的事，不如現在做有把握的事。」
While other buyers hesitate in fear, it is the perfect opportunity for you to buy in. In fact the more people there are sitting around waiting, the more you should invest.
「當大家感到恐懼的時候，就是我買入的機會。愈是大家不敢買進的時候，就是我大量買進的時候。」
Search for investment opportunities when others are frozen with fear, and you will find success not unlike Buffet himself.
「能在恐懼與危險中尋找投資機會的人，就會像巴菲特一樣地成功。」
If you’ve been unable to buy a house, it may be because of your greed and lack of courage, your unwillingness to take action, to pay as much as is needed to get the house you want.
「買不到房子。買房子的時候不要太貪心、不要太小氣、不要太膽怯、不要沒有行動。」
Those who can overcome fear in face of danger and seek opportunities in the darkness possess extraordinary wisdom, courage and audacity.
「能在恐懼與危險中尋找機會的人，其智慧、勇氣與膽識永遠高人一等。」
“Limited resources versus unlimited needs” is an important theory in economics. It is manifested in the rising of real estate markets.
「經濟學上有一個很重要的理論，就是「資源有限，慾望無限」，房價上漲的原因就是因為「資源有限，慾望無限」的具體表現。」
If the market does hit rock bottom, everyone will be driven by their greed and rush in to get their hands on a house of their own. The fact that there’s a limited supply of houses will inevitably force property prices to rebound.
「如果房價真的下跌至谷底，那麼人人都會因為自己的貪婪，為了貪小便宜而去搶房子，但又因為「資源有限」讓房屋搶到缺貨時，房價就會明顯反彈上升。」
Understand the conflict between limited resources and unlimited needs, and you will realize how important timing is to any investment.
「因為資源有限，慾望無限，所以你要學會適時進場。」
Some say that an investor’s failure in the stock market is attributed to two things: fear and greed.
「在股市上有句名言，做股票會失敗的原因，就是投資人犯了二個錯誤。第一個錯誤是恐懼。第二個錯誤是貪婪。」
The mortgage crisis scared off many potential buyers. The reason why real estate price keeps dropping is the combination of fear and an excessive number of bank-owned properties.
「房貸風暴的恐懼氣氛，嚇壞了每一個潛在的買主。房價之所以會大幅下跌，那就是因為恐懼心理與過多的拍賣屋造成的。」
Rich Dad always says that making money is easy, while Poor Dad says that making money is hard. The difference between them is Rich Dad will seize an opportunity or create his own, while Poor Dad sits around waiting for an opportunity to come, and still fails to grab it even when one does come his way.
「從富爸爸的角度來看「賺錢很簡單」，從窮爸爸的角度來看「賺錢很困難」。他們之間的區別是，「富爸爸是把握機會，窮爸爸是浪費機會」「富爸爸創造機會，窮爸爸是等待機會。」
To catch a big fish, you need bigger bait and a longer line. Similarly, to make big money, you need to put up with small losses for larger gains, and set your sight far enough to see the big picture in an investment.
「釣大魚要用大魚餌」與「放長線釣大魚」這是釣魚的二個準則。賺大錢與釣大魚的道理是一樣的，「要吃小虧才能賺大錢」 與 「眼光要放得遠才能賺大錢。」
It should be common sense that without conceding small losses now, you can’t expect to earn big in the future. Just like you can’t hope to catch a big fish if you’re not willing to lose a bait.
「想想看，現在不吃一點虧，以後那有「大錢」可以賺得到。想想看，釣魚不放魚餌那有大魚會上鉤啊？」
The poor have a great fear of losing something. Yet that fear will only push them further into poverty. 「愈窮的人，愈怕吃虧。愈怕吃虧的人就會愈窮。」
While fear of loss may refrain you from making a purchase while the market is high, but it is your greed that stops you from buying even when the price is low.
「房價高的時候不買，那是怕吃虧。房價低的時候不買，那是貪婪。」
If you’re not smart enough to invest in real estate when the market price and interest rates are still low, you may never get rich.
「不懂得趁著房價低、利息低的時候去買房子的人，是不會發財的。」
If you keep waiting for opportunities to come, you will only lose them. Those who pass up a perfect opportunity tend to make a habit of it.
「還在等侍機會的人，一定會喪失機會。現在還在放棄機會的人，一定會失去另一個機會。」
Greed, pettiness, taking advantage of small things, the need to save a buck, and the fear of losing a buck can blind a man to perfect opportunities. This is why the poor get poorer.
「省錢、撿小便宜、怕吃虧、貪婪、放棄機會、沒有行動，這些都是愈窮人愈窮的原因。」
The greedy are obsessed with small gains, unwilling to suffer the tiniest losses even when they’re necessary, thus they are prone to make mistakes, and tend to lack the wisdom to make decisive judgment calls and carry out their own decisions: this is why the greedy can never find success.
「只有 撿便宜與貪婪連結在一起的時候，才會有「怕吃虧」的現象發生，這時候貪心過頭的人最容易犯錯，失去果斷力、判斷力、執行力 ，這些不智慧的行動會讓你與成功無緣。」
It’s hard to get rich without ever buying or owning properties.
「不曾買過房子，現在沒有房地產的人，將來想變富也很難。」
It’s a shameful act for those in poverty themselves to advise their friends against buying houses, much like how a bad student would encourage other kids to skip classes.
「窮人叫窮朋友不要去買房子，就好像不愛唸書的孩子叫他的朋友也不要去唸書一樣，是害人害己的。」
If you don’t intend to purchase real estate, do not drag down your friends as well by advising them to do the same. It’s as unoriginal and counter-productive as telling your friends not to get married because you can’t afford a wedding yourself.
「自己不買房子，也勸好朋友不要去買房子的人，是不足以鼓勵的。就好像自己沒有錢結婚，也勸好朋友不要結婚一樣，是很沒創意性與建設性的。」
The gap between the rich and the poor in our society is expanding. The government should be partly held accountable for this, but the lack of financial planning on the part of the poor is also to blame. Educate yourself on personal finance. Don’t know how to make money? Go to college to pick up more skills.
「貧富差距，愈來愈大，故然政府要負一半的責任，但是不會理財的窮人也要負一半的責任。不會理財，你就要去學理財。不會賺錢，你就要去上學，唸書學會一技之長。」
It’s obvious why those living in poverty, idleness, greed, and staying on welfare, cannot become millionaires.
「貧窮、懶惰、貪婪 與靠政府救濟金的人，永遠成不了大富翁。」
House buyers who won’t budge on paying the absolute cheapest price are like vultures, not giving the slightest thought to how much the property owners will lose in this transaction.
「自己不肯吃虧，卻要夢想買到廉價屋，讓原屋主吃虧的人，就好像是在乘火打劫，推人下海。」
Don’t trip over greed, pettiness, and small gains, then you may turn your luck around.
「 只要不貪婪、不小氣、不撿小便宜，就可以改變你的財運。」
Keep an optimistic, positive, and motivated mindset, and you’ll change your destiny for the better.
「只要擁有樂觀、積極、進取的心，就可以改變你的命運。」
Believe this: owning two houses or more can change your entire financial future.
「相不相信，只要你擁有二幢房子以上，你的整個財運就可以改變。」
Whether or not you’re buying a house should never be dictated by its price; it should be based on your need. If you have no use for a house, the price plays no part in getting you to buy one.
「你買不買房子，應該跟房價高低是沒有什麼關係的。」或者說，影響你買房子的誘因，不應該是房價的高低而是你的需要。如果沒有購屋的需要，那麼房價的高低又怎麼會引發你的購屋慾呢？」
If your greed and your obsession with small gains and losses are preventing you from buying a house, you need to readjust your method of financial management.
「 如果影響你買房子的誘因，是基於你的「貪婪、小氣、撿小便宜」，那麼你的理財方法就有偏差了。」
A man too greedy and stingy to let go of small gains or to suffer tiny losses can never become rich.
「貪婪、小氣、撿小便宜、怕吃虧的人，永遠成不了大富翁。」
Most people want to buy their own house, a dream often buried by their own greed and pettiness. In the end, they’ve lost everything for nothing.
「人人都會有購屋的夢想，只不過這種購屋的夢想，往往會被自己的「貪婪、小氣、撿小便宜」給玩完了，結果「大餅沒吃到，連芝麻都弄丟了。」
While waiting for real estate prices and interest rates to hit rock bottom, people are actually gradually losing their judgment, rationality, and the ability to execute their decisions. This is yet another case showing us the harm of over-thinking.
「真正笨的事並不是在等房價在下跌的這件事，而是人們在看到房價下跌時 或 利息下跌時，人們會不自覺地降低自己對事情的判斷力 、思考力 、執行力。像這種聰明反被聰明誤的例子實在太多了。
Don’t lose your wits over the slipping home prices.
「不要讓房價下跌的這件事，矇蔽了你的心智能力。」
The price of a house should have little to do with whether or not you should buy it. Do not let lower prices or interest rates cloud your reasoning and judgment, otherwise you will inevitably lose more than you gain.
「房價高低，應該跟你買房子的目的沒有太大關係」。如果你因為房價下跌或 利息降低，而影響你自己的心智能力，那你恐怕就要吃虧了。」
Keep in mind the focus for your buying a house is not its price, but your need to acquire it.
「不要模糊了你購屋的焦點，房價不是你買房子的重點。需要才是你買房子的重點。」
Rich dad will tell you that making money is really simple—you just need to seize the opportunities, fight for them if you have to, or create your own opportunities.
「從富爸爸的角度來看，賺錢很簡單，那就是你要「把握機會，創造機會，爭取機會。」
Only losers wait for opportunities to come to them. If you want to win, you fight for opportunities, or create your own.
「等待機會的是輸家，只有創造機會、主動爭取機會的才會是嬴家。」
Back to Home | Back to Index «Previous | | Next >