101 There is no shortcut to success. Only those that persevere can enjoy the sweet fruit of success.
101成功沒有捷徑，只有堅持到底的人，才能享受到成功的果實
導向成功的金玉良言 --- 成功秘碼 66條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
On the path to success, you are not alone: confidence is your best friend; hard work is your best companion / propeller; action brings practice to your skills; hope helps you retain your dream; and when that dream is fulfilled—you have reached success.
「在成功的路上，你並不孤單，要記著，信心是你最好的朋友。努力是你最好的同伴 /推進器。行動是你在實踐夢。永保希望是你在築夢。讓美夢實現就是你得到了成功。」
If you choose to be an enemy of success but a friend of failure, you’ll have no hope for a better life.
「如果你選擇與成功為敵，卻選擇與失敗為伍，那你的人生就玩完了。」
Banks will only offer to help when you’ve done well for yourself. If you don’t meet their requirements, they won’t lend you a single penny even if you get on your knees and beg.
「銀行是睛天送傘，雨天收傘的人。如果你的基本條件不符合銀行要求，那怕你跪下來求情，銀行也會把你拒絕於千里之外，連一分錢都不借給你。」
People can’t appreciate the importance of freedom until they’ve lost it.
「沒有失去自由的人，不知道自由的可貴。」
People can’t appreciate the value of their credit as well as a solid proof of income until they’ve been turned down by a bank.
「沒有被銀行拒絕過的人，不知道信用分數的可貴，也不能體會出用誠實報稅來證明自己真實收入的可貴。」
With no credit, no savings, and no income, you can never hope to borrow so much as a penny from any bank.
「沒有信用、沒有儲蓄、沒有收入的人休想能從銀行借到錢。」
The banks only open their doors to those with the ability to repay a loan. Those who can’t pay back their debts will only be turned away.
「銀行只歡迎有能力償債的人，對於沒有償債能力的人，銀行是一概拒絕出借。」
Young people love to have fun and spend money, often exceeding their credit limits to do so, ruining their credit history.
「年輕人愛玩、愛花錢、胡亂刷爆信用卡，所以容易壞了信用記錄。」
Young people must exercise restraint with their money to build a good credit. Spend rationally rather than chasing the latest trends. Don’t give in to your material desires, and force yourself to start saving money right now.
「為了自己的良好信用，年輕人花錢一定要有所節制，不要追求時尚，花錢要理性，降低慾望，量入為出，能節省開支，強迫自己每月有儲蓄最重要。」
Understand that the purpose of saving is not to spend it all on a vacation. It should be to create capital for your investments.
「要注意，儲蓄的目的不是為了要存足一筆錢可以去旅遊購物，儲蓄的目的是為了要累積投資的本錢。」
Save up to invest. The more capital you have to invest, the more likely your investment can be a success.
「儲蓄是為了累積投資的本錢 / 實力，投資的本錢愈足，投資的成功率就愈大。」
If the bank refuses to give you a loan, you should see it as a severe warning that you’ve made some serious mistakes in your past which need to be addressed immediately.
「如果銀行拒絕借錢給你，那就是一個很嚴重的警訊，所以你必須要檢討自己所犯的過錯，並且立即更正它。」
Everyone makes mistakes. Those who can correct and rectify their mistakes are giving themselves another shot at success.
「人人都會犯錯，犯錯就要改。改正自己的錯誤，就是給自己一個成功的機會。」
Do not bite off more than you can chew, and never live your life on borrowed money. Take extra care not to let your expenses surpass your income level.
「切忌打腫臉充胖子，切忌借錢過日子。切忌平常的開支大於收入。」
Don’t give up even if the subprime mortgage crisis and the economic recession left you wounded. There’s nothing more admirable than learning and growing from your mistakes. Where there’s a will, there’s a way.
「 因為受到次貸風暴與金融風暴影響而受到挫折的人，不要灰心。天無絕人之路，只要你知錯則改，則善莫大焉。」
Without failures there will be no growth. Without efforts, nothing can be gained.
「沒有挫折，哪來的成長？沒有努力付出，哪來的收獲？」
Every setback brings with it a chance for you to grow. Every misstep is a chance for you to stand back up. Every failure can be turned into a stepping stone for success.
「每一次挫折就是每一次成長的機會，每一次跌倒就是每一次重新站起的良機，每一次失敗都是每一個邁向成功的墊腳石。」
People should prepare themselves for countless setbacks throughout their lives. As long as you stay positive, external pressures will only drive you to grow and to better yourself.
「每一個人要有心理準備，遇到的挫折是一輩子常有的事，但是你要正面去看待這個問題，因為外來的壓力，正是促成一個人繼續成長最好的原動力。」
There will be no success without failures, but don’t make the same mistake twice. Repeated failures of a similar nature means you have not learned from your failures.
「沒有失敗就沒有成功，問題是你不可以有相同的失敗。如果你有重覆又相同的失敗，那就表示你沒有真正的做到認錯、悔改。」
The housing market has plummeted as a result of the subprime mortgage crisis and mass foreclosures. The huge drop in price is your perfect opportunity to find a good deal.
「 房價因受到次貸風暴與大量拍賣屋影響而大跌，在這個房價大跌之後，就是你投資房地產 (撿便宜貨) 最佳的時候。」
You’ll find huge deals after a sharp fall in real estate prices. The best time to move in and invest is now.
「大跌之後的房子，比較起來真的好便宜，這時進場，就是最好的投資時機。」
The best timing for you to make massive investment moves is when everyone else is pulling back.
「最好的投資時機，就是當別人都在害怕 / 縮手的時候，你卻能加大力度，擴大投資。」
Real estate investment is all about timing and location. When others don’t find the market promising, seize your opportunity to invest. While others are pulling back, it’s the best time for you to jump in with your investment.
「投資房地產要選擇位置，也要選擇時機。當別人都在看衰房地產的時候，就是你最佳投資時機。當別人都在害怕 / 縮手的時候，就是你加碼投資的時候。」
To a positive and proactive man, the worst environment is the breeding ground of the best investment opportunities.
「對一個積極向上的人來說，最壞的環境，就是最好的機會，最好的投資良機。」
It is not unusual to lose an investment, but don’t let that bring you down. Be strong and have faith. Learn from your mistakes and know that every setback is a chance for growth. An occasional loss is not a big deal; just stand back up and start over.
「投資難免有損失，不過你不要氣餒、沮喪。遇到挫折你要堅強，要有信心，要檢討過失，因為每一次挫折就是每一次成長的機會。偶而的失敗沒什麼關係，站起來重新再來一次就是了。」
Don’t mope over setbacks; fortify your belief and broaden your vision for the future.
「遇到挫折不要氣餧，要堅固信心，要用更寬、更廣的角度去看自己的未來。」
No one can live a life without the pressure of failure; the important thing is for you to be prepared so that you won’t lose hope and self-confidence over minor setbacks.
「人生不會一直平順，最重要的是你要具備有抵抗壓力的心裡素質，這樣你才可避免在挫折中存在有灰心喪膽。」
No matter what you want to do, or what your dream is, you need to work hard towards achieving your goal, for only then can you find success.
「不管你想做什麼工作，或有什麼夢想，希望你都能努力實踐，這樣你才會成功。」
Don’t always expect success on your first attempt, for success is the product of countless failures of varying magnitude. Know that without failures there will be no success.
「成功不是一次到位的，成功是經歷過許多小失敗與大失敗之後的產物，有道言，沒有失敗就沒有成功。」
A man’s life can’t possibly be made up of only triumphs and success, which is why a person has to find a way to brace himself for failures and defeats.
「在人的一生之中，不會有永遠的順境，所以每個人都要培養面對挫折 / 逆境的方法。」
If your investment ends up in failure, don’t take it too hard and lose hope over it. You must see the big picture, and give yourself a chance to start over. What’s important is that you always find lessons in your failings.
「萬一你的投資失敗，也不必太認真，更不能灰心失意，應該看得更遠，給自己找到一個重新再站起來的新機會。重要的是，你要從過去的失敗中學到經驗。」
Life is supposed to be a hodgepodge of joy and sadness, triumphs and defeats, so take it all in with gladness and optimism.
「人生本來就是酸甜苦辣一起來的，所以你要用最樂觀的態度去看待它。」
There is no ever-lasting joy in life, nor is there never-ending pain, so be brave, and push onward towards your goal.
「生命中沒有永遠的快樂，也沒有永遠的痛苦，所以你必須勇敢地向前行。」
Let bygones be bygones. Remember that your value to society is in the future, not the past.
「忘記背後努力向前，過去的歲月 / 失敗就讓它過去，記著，你的價值是在未來，不是在過去 / 從前。」
Those who spend their youth fighting for their ideals and wealth and succeed in acquiring them should remember to share their wealth and give back to society.
「年輕時你拼命追求理想與財富，萬一你成功了，請你不要忘記，在你已成功之後，就要懂得割捨財富，回饋社會。」
However much money you have, it is still just a number with a lot of zeros at the end. True wealth is in the form a mindset and your willingness to give back to mankind.
「再多的財富也不過是白紙上的黑字，只是多了幾個零而已。真正的財富是你心中有服務大眾的熱忱 / 回饋社會的心願。」
No matter how big your company, or how many employees you have under your command, if your desire is not to serve, but only to earn more money, you are of no use to society.
「不論你經營的企業有多大、用了多少員工，如果你心中只有賺錢而沒有服務社會的那份心願，那麼像這樣的大老闆，就不算是真正對社會有用的人。」
Greatness is not measured by the size of your business or the level your wealth, but by your love and willingness to serve the public.
「一個人的偉大不是看他的企業有多大、賺了多少錢，而是看他服務社會的心願(愛心)有多大。」
Doctors and hospitals should find their calling in saving lives, not making more money.
「醫生與醫療機構的天職應該是救人第一，不應該是搶錢 / 賺錢第一。」
People must learn to give, not just to harvest gains. Don’t be consumed by greed and hang on to everything; learn to let things go and find balance in life.
「人要學會付出，不能只知索取。人要學會割捨，尋求平衡，不能只進不出，變成貪婪。」
Live up to your potential physically and mentally and push for your own limits. Working is not all about money, but a way to fulfill your purpose of elevating humanity.
「發揮你的體力與智力，挑戰自己的極限。工作、上班不是單單的為了賺錢，而是為了要實現一個夢，一個造福人類的夢。」
True heroes are those with a heart of service, who strive to better themselves so they may better contribute to society. People living a worthwhile life are those who contribute their talents with sheer passion and devotion.
「對每一個人來說，真正的英雄還是他自己的熱忱(愛心)服務，怎樣充實自己、怎樣服務社會才是最重要的。用單純的熱情，真實的感動來貢獻自己的才華，這一點才是你人生最有價值的地方。」
Don’t work hard for the sake of heroics or reputation; work hard so that you can better serve society.
「努力工作不是為要塑造出一個英雄，努力工作是為了你今天能對社會做出更好的貢獻。」
Whether or not you have found success in life, always strive to be a better person: treat others kindly, always do your best, seize opportunities, never stop growing, forgive others, spread love, lead a healthy life, be optimistic and proactive, correct your mistakes, take pleasure in helping others, share your success, and be grateful for everything you have.
「不管你是成功的人或是失敗的人，你都要學習待人熱忱，學習盡己之力，學習把握機會，學習不斷成長，學習饒恕別人，學習散播愛心，學習健康活著，學習樂觀進取，學習更正錯誤，學習助人為樂，學習分享成功，學習感恩惜福。」
The path of life is bound to be marred by failures, which is why we must learn to clear away the ruins and start over.
「人的一生之中，一定有許多失敗，所以我們一定要清除那些拖累我們的殘枝敗葉，之後你才會有一個新的開始。」
The rich must learn to be giving; the shrewd should learn to be kind. An investor must learn to manage risks. The needy must learn to better themselves. Those defeated should learn from their mistakes; the successful should learn to be humble. Those who carry disappointment must learn to be strong. People in debt must learn how to earn more to pay back what they owe… and people who have lost their hope must learn that they’re capable of starting over.
「富貴的人要學習寬大，聰明的人要學習厚道。投資的人要學習掌控風險，窮困的人要學習力爭上游，失敗的人要學習認錯，成功的人要學習謙虛，失望的人要學習堅強，負債的人要學習賺錢還債、、、，無望的人要學習重生再來一次。」
You may not be able to predict the future, but you can plan out your future. You cannot succeed in everything, but you can ensure that you’ve done your best in all of them.
「你不能預知明天，但你可以利用今天計劃明天。你不可能樣樣都順利，但你可以事事都盡心盡力。」
Being content and grateful will bring you endless abundance. A greedy, wasteful, and lavish lifestyle will only lead you to poverty.
「知足、惜福是無限的財富。奢侈、浪費 、貪婪是造成貧窮的原因。」
Greed causes one to haggle for a lower price when purchasing houses. It is foolish to expect a deal where the seller can’t make a profit— a foolishness that will inevitably prevent you from getting the house you want.
「買房子猛殺價是貪婪。不讓賣主賺到錢的人是傻子，因為殺價過多而買不到房子的人是呆子。」
If you insist on haggling for a lower price when buying a house, you’re only being the enemy to your own success and will end up getting nothing.
「買房子殺價過猛，就是你選擇與成功作對，選擇與成功差身而過。」
A man can find enlightenment, but enlightenment will not find the man. Great men make history; history does not make great men.
「人能弘道，非道弘人。人能創造歷史，但不是歷史創造人。」
A man can obtain wealth, but must never be enslaved by it. People whose only goal is the pursuit of wealth should not count themselves as truly successful.
「人可以創造財富，但不可做財富的奴隸。只追求錢財的人，不算是真正成功的人。」
If you want to succeed, no one can stop you. Give it everything you got, and be persistent. Success is lying just ahead of you.
「只要你想成功，沒有人能阻止得了你。請咬緊牙關，全力以赴，持之以恒，只要堅持到底，成功就在咫尺。」
He, with strength and tenacity, never gives up. He, who strives for excellence, never looks back.
「堅強有毅力的人，絕不輕言放棄。努力上進的人，絕不看背後。」
Confidence drives you onward. Your unwavering will can help you find success.
「信心就是前進的力量。不屈不撓的意志力，就是幫助你達到成功的助手。」
No matter how tough it gets, you must push on with courage, and you shall see a better tomorrow.
「再困難也要堅強勇敢的活下去，相信你的明天會比今天更好。」
There is no shortcut to success. Only those who can persist till the end can enjoy the sweetness of success.
「成功沒有捷徑。只有堅持到底的人，才能享受到成功的果實。」
There’s no such thing as a free lunch, just as there is no such thing as success without effort.
「天下沒有白吃的午餐，天下沒有不勞而獲的成功。」
Some of the worst types of people are those lazy maggots who gave up on themselves and choose to live off of their family or the society.
「有人情願自暴自棄，懶惰不做事或存心做米虫，靠家人或社會供養，這種人最差勁 / 窩囊。」
Evil can take the form of someone who didn’t plan for their retirement while they were young and rely on the government to take care of them when they’re old.
「年輕時沒有做好退休金規劃，退休後要靠政府供養的人，這種人可稱之為惡魔 / 不負責任。」
Success belongs to those who never give up, never back down, and never stop fighting before reaching their goals.
「成功是屬於堅忍不拔、不屈不撓，奮戰到底，不達成功誓不罷休的人。」
Our life is in our own hands. Our goal should lie beyond the mere accumulation of wealth: we must contribute to the progress and continuation of the human species.
「生命掌控在我們手中，我們不僅要創造財富，我們也創造人類繼起的生命。」
Remember that you are not alone on your path to success—confidence is your best friend.
「在成功的路上，你並不孤單，要記著，信心是你最好的朋友。」
Pain and suffering is the best education anyone can receive, for a man who has not suffered through toils and struggles can never find success.
「苦難是最好的社會大學，不經過苦難磨煉過的人，是不會成功的。」
Do not let the person who loves you wait for too long, and don’t let those who despise you laugh at you for long either. Put in the extra effort, and rise up to your greatness.
「不要讓愛你的人等太久，也不要讓討厭你的人笑太久，所以你要格外加油努力，出人頭地。」
If you choose to be an enemy of success but a friend of failure, you’ll have no hope for a better life.
「如果你選擇與成功為敵，卻選擇與失敗為伍，那你的人生就玩完了。」
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