99.    People can change—continuously.  What kind of person you want to change into is entirely up to you.

99.    人可以變、變、變、、，你要變成為怎樣的一個人，都由你自己來定

導向成功的金玉良言 ---  成功秘碼 37條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。

When one person loses his job, it gravely impacts the financial capacity of the entire family.  Likewise, an unemployment rate over 8% can severely hinder a nation’s economic growth.
「個人的失業，必定拖垮一個家庭的正常生活。高過於8%的失業率，必定會拖垮一個國家的經濟成長。」

Rising unemployment rate, increased number of bank-owned properties, persistently falling real estate price, weak financial institutions, and the unusual climate changes all work together against the prospect of global economic growth.
「失業率增加，法拍屋的激增、房地產價值的下滑，脆弱的金融機構，加上氣候異常變化，對全球經濟長期增長，都會產生負面影響。」  

The strategy of using the budget deficit to stimulate the economy could be a shot of adrenaline, but when overused, it can also become venomous with undesirable side effects.
「編列赤字預算，來刺激經濟成長的這種策略，是一種強心針，也是一種毒藥，如果吞食過量，必定會產生後遺症。」

The economic stimulus plan may be effective for a period, but as the effects wear off, it may start to have a negative impact on the growth of our economy.
「經濟刺激計畫，雖然能對經濟產生幫助，但是隨著效應的逐步減退，反而會對經濟增長產生負面作用。」

Printing more money may have bailed out American banks and companies from the threat of bankruptcy, but this strategy puts the dollar value at considerable risk.  Devalued US dollars bring about inflation, which in turn shrinks the wealth of Americans.
「中央政府的印鈔機救了美國銀行與企業，使其不至於破產，但這種行為卻帶來美金貶值的風險，美金的貶值可引來通貨膨脹，使全民財富相對的縮水。」

The fact that the dollar is losing value is no mystery—there’s too much of it being printed!
「美鈔印多了，當然不值錢，如果美金不貶值，那才奇怪呢！」

Significant unemployment is bound to have an impact on prime mortgages, leading to more bank-owned sales.
「嚴重的失業率，必定會波及到優級房貸，這會使拍賣屋問題更加嚴峻。」

As long as the number of bank-owned properties continues to grow, real estate price in US will continue to fall.
「如果銀行屋、法拍屋的數量仍然不停的增加，那麼美國房地產的價格還要再下滑一陣子。」

If unemployment rate exceeds 10%, the number of bank-owned sales will for sure increase, which can only be bad news for the financial institutions, the real estate market, the stock market, and the entire economy.
「如果失業率繼續上升超過10%，法拍屋的數量是必將激增。這對金融系統、房市、股市，甚至全國經濟，都將造成更大的傷害。」

10*
For every 3 people who lose their jobs, there’s one new bank-owned property.   The unemployment rate is directly tied to the rate of defaulting mortgages.
「每多增加三個失業人口，就可能多出一幢銀行拍賣屋，失業人口數量與房貸違約率(拍賣屋)習習相關。」

If you want to keep your house in the recession, you have to keep your job first.  Only with sufficient income can you maintain all your household expenses and cover your bills.
「如果要想在不景氣中保住自己的房子，第一步就是要先保住自己的工作，因為只有有了足夠的收入，你才能維持家庭的開支，支付所有帳單。」

Dropping home prices along with devalued US dollars—it’s the perfect opportunity for foreign capital to invest in the United States.
「房價下跌，美金又貶值，此仍外國人投資美國的最好時機。」

A wise man invests in precious metals or real estate well before inflation kicks in.
「在通貨膨脹發生之前，能趁早買入貴金屬或房地產的人，就是最聰明的人。」

If all you can think about is how low can you go in making an offer while everyone else is increasing their bids to snatch up houses, you’re too far behind the times.
「如果當大家都在加價搶房子的時候，你還在想，買房子時要如何去殺價的這件事，那就是你太落伍，太跟不上時代了。」

If you want to find out about the market, don’t just listen to your friends, or the so-called “experts”.  Go take a trip and do some research on your own.
「不要聽朋友說，不要聽專家講，市場行情熱不熱絡？自己去走一趟市場，調查一下，你就知道了。」

More often than not, you will need to raise your bid on a bank-owned property you want.  If you don’t, you may as well back out.  With so many buyers in competition, you can only win if you are willing to up the offer. 
「在多數的情形下，買銀行屋都要加價，如果你不想加價，就形同自我放棄，在眾多買主相互競爭之下，只有大方，敢加價的買主，才可能是最後的贏家。」

Don’t be a fool and expect the housing price to keep dropping for another year.  It’s already been creeping back up.
「當房價已悄悄回升了，你還在想明年房價可能還會再跌，你有這種想法，你的腦袋就是生銹了。」

While you still have a job and a steady income, the perfect opportunity for you to move in and buy a house is now, with low interest rate and low home prices.  Once the interest rate and home prices go back up again, it’ll be too late for regrets.
「利息低、房價又低這是買房子的好時機。趁著你還有工作收入，趕快買房子就對了。不要等到利息升高、房價又在高價位時才去買房子，到那時你就後悔末及了。」

Having a job while others don’t means you’re lucky.  Having money when others don’t implies you have savings.  Being willing to invest in properties while others aren’t indicates your wisdom.
「大家沒工作，你有工作，這是你幸運的地方。大家沒錢，你有錢，這是你有積蓄的地方。大家不敢買房子，你敢買房子，這是你智慧的地方。」

20*
Success is a combination of hard work, wisdom, talent and luck.
「努力、智慧，才幹、再加上幸運，總的結合在一起就是成功。」

Put water into any type of bottle, and it will change its form according to the shape of the container.  A man should learn to be like water: flexible, adaptive – ready to cope with any situation.
「不論你把水灌入何種形狀的瓶子中，水都可以適應環境。任何瓶子，任何容器，水都可以適應，這就是水的優點，彈性靈活、能伸能屈。人要像水一樣，可以適應各種環境才可以。」

Be like water—adaptable to any situation, ready to handle any task.  Let your mind be open and flexible, and you’ll be able to survive however foul the circumstances are.
「人要像水一樣，可以適應各種環境、各種工作，思想要開放，頭腦要靈活，這樣你就可以在惡劣的環境中生存下來。

As the times change, circumstances change with it, and so should your thinking and your actions. Learn to be like water and overcome your stubbornness and resistance to change.
「」隨著時代改變，隨著環境改變，你的思想、你的行為也要改變，如果你頑固不冥，那就會跟不上時代了。學學水的優點，改改自己的缺點。」

People change: some become more decent, others are overcome with malice; some embrace joy, while others are consumed by anger; some get wealthier, and some dragged down into poverty; some become positive, while some allow negativity to take rein; some fight on towards light, and some define themselves in darkness.  What you change into, whether you are to succeed or fail, is completely up to you.
「隨著環境改變，人可以變善、變惡、變喜、變怒、變貴、變賤、變好、變壞、變窮、變富、變積極、變消極、變陽光、變陰暗、變、變、變、變、、你要變成為怎樣的一個人，是成功是失敗，都由你自己決定的。」

Ever wondered who has the power to decide whether you shall be a success or a failure? The answer is you, and only you.
「成功與失敗，由誰決定的？成功與失敗是由自己決定的。」

You, and no one except you, can decide whether you will succeed or fail.
「成功與失敗，不是由他人決定的，成功與失敗是由自己決定的。」

Success has to be fought for, while failure finds you when you stop fighting.  If you don’t fight for opportunities, or fight to create them, you won’t find success.
「成功是爭取來的，失敗是放棄來的。沒有爭取機會，沒有創造機會，你就不會有成功。」

You have to have a goal in life and the courage to push on, for only then can your dream come true. Thinking and waiting alone cannot bring you any closer to success.
「 你一定要設定人生目標，勇往向前進，這樣你才可能美夢成真。如果你只是想、只是等待，那哪能有成功的一天？

When you’re investing in a house, you need almost a child-like determination and the will to push on no matter what, and it won’t hurt to have a little luck on your side.  When you’re bidding on a house, you need to be decisive, and have your wits about you in addition to your guts.  Money, courage, and a mind that is both quick and adaptive: these are what can give you an upper hand, and help you win the bidding war.
「買房子的時候，要有一點傻勁、要有一點衝勁、還要帶一點運氣，出價要乾脆且要快、狠、準、智勇雙全，就像打戰一樣，要用智慧取勝，除了多金以外，你還要膽識過人，頭腦靈活、身手敏捷，這樣才能捷足先登，贏得勝利。

  30*
When buying a house, you need to have the money, the guts and a quick and flexible mind to have the upper hand and win the bidding war.
「買房子，除了多金以外，你還要膽識過人，頭腦靈活、身手敏捷，這樣才能捷足先登，贏得勝利。」

In business, you have to be on the offensive to seize the opportunities whenever they come your way. Sitting around doing nothing is no different from giving up.
「買賣做生易，要主動出擊，才能搶到商機，手到擒來。如果老不出手，那只有等著投降吧！」

You need to seek out opportunities, for they won’t just come to you.  You must go out and look for a job; the job won’t look for you.  Similarly, you need to go find a house; the house won’t come find you.「機會不會來找你，只有你去找機會。工作不會來找你，只有你去找工作。房子不會來找你，只有你去找房子。」

Real estate Investment is serious business.  You have to be quick-minded, goal-oriented, and be ready to take action.
「房地產投資是一門大學問，必須要頭腦靈活、身手敏捷、有目標、有行動。」

Don’t count on the housing price dropping for much longer.  Before the economy fully recovers, have confidence, and buy a house, so that you can start reaping the rewards as soon as possible.
「不要指望房價還會再跌，在經濟回復榮景前，你要先拾回信心，早購屋早賺錢。」

Do not bind yourself with rules and old habits, and learn to go with the flow.  Success belongs to those who can improve themselves, who are flexible to change, with a clear goal in mind and ready for actions.
「不能固步自封，識時務者為俊傑。凡事必須與時俱進、彈性靈活、有目標、有行動，這樣你才能成功。」

A great many things can be counted as wealth: your wisdom, your health, peace, joy, safety, integrity, piety, kindness, knowledge, diligence, youth, contentedness, decisiveness, friendship, virtue, passion, opportunities… even a piece of real estate.
「智慧是一種財富，健康是一種財富，和平是一種財富，快樂是一種財富，
   平安是一種財富，道德是一種財富、孝順是一種財富、愛心是一種財富、
   學問是一種財富，勤奮是一種財富、年輕是一種財富、知足是一種財富、
   惜福是一種財富、行動是一種財富、朋友是一種財富、美德是一種財富、
   熱情是一種財富、、、、、、、、機會是一種財富、房地產是一種財富。」

True wealth is measured by the intangible things in life.  A heart obsessed with monetary wealth is bound to be void of what’s truly valuable in life: purpose, friendship and love.
「無形的財富要比有形的財富重要的多，只注重金錢財富的人，必定空虛、缺少朋友、缺少友情。」