107. Don’t allow the same failure twice. Let your failure be a part of your honor, not a source of your shame.
107. 失敗不能有第二次，讓你的失敗成為你的光榮而不是羞恥
導向成功的金玉良言 --- 成功秘碼 45條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
Defeat is nothing to be ashamed of as long as you can make sure it won’t happen again.
「失敗並不丟臉。只要沒有第二次的失敗就可以了，只要沒有重覆的失敗就可以了。」
So long as you can fully acknowledge your own failings, and have the determination to not make the same mistakes, those missteps are guaranteed to bring you closer to the eventual success.
「痛下決心，徹底檢討自已的過失，真誠悔過，不再有多次的犯錯，這就是你邁向勝利成功的保證。」
Don’t cause yourself to suffer through the same regret twice. Finish what you need to do today, for tomorrow it may be out of your hands.
「遺憾不能有二次，後悔也不能有二次，所以你該做的事，今天就要去完成它，免得在你想做的時候，你己經爬不起來了。」
Even the largest companies can be forced to close down. With investments we must be extra careful, never to let our greed and pride take reign, or act in brashness and irrationality.
「再大的公司也會有倒閉的一天，面對投資理財我們要謹慎小心，不可貪婪，不可狂傲，不可橫衝直撞，毫無章法。」
The financial crisis has driven many individuals and companies to bankruptcy. We should try to learn from the failures of people around us, so we can reevaluate our own financial directives.
「金融風暴讓許多的個人與公司倒了，能從他人失敗的例子中，學習到教訓與啟示也是一件好事。借此教訓我們也可重新檢討，重新修正自己的理財方式與方向。」
The global economy is still on shaky grounds, so now more than ever people should learn to be financial planners and wise investors, keeping a firm grip on your own capital.
「全球經濟持續動盪，人們更需要學習金融理財，妥善處理好投資問題，管理好資金的調度。」
Educate yourself in finance, for that knowledge can help protect you and others from falling victim to frauds. Everyone should put in some effort to learn about economics, so as to improve their own financial management.
「多學習金融理財方面的知識，可以救已救人，也有助於防止金融詐欺。因此每一個人都應該多多努力學習金融財政方面的知識，以因應財政管理上的需要。」
A smart consumer should always fully consider the pros and cons of the financial product in question, and compare it to others on the market before carefully reaching the decision of which to buy.
「消費者需要真正了解各種金融產品的好處與不足，應該貨比三家，謹慎小心做出最聰明的決定。」
Whether you’re buying stocks, bonds, or a house, applying for a loan, managing a business, or opening a store, you need to be well-equipped with adequate financial and legal knowledge.
「無論是買股票、買房子、買債券、申請貸款、、、經營企業、開店做老闆、、、面對處理每一件大事小事，你都需要有充足的財經知識與法律知識。」
10*
No one can survive without money— in fact it is a crucial part of our daily lives, which is why you should take the time to learn about financial management as soon as possible.
「每一個人都離不開錢，且每一個人天天都與錢為伍，所以你一定要趁早學會投資理財才行。」
If you do not want to fall victim to others’ tricks and frauds, you need to be adequately informed in finance and law, and possess a good amount of social experience.
「要避免吃虧上當，被人詐財，每一個人都需要有充足的財經知識、法律知識 與社會經驗。」
Uncertainties and fear can cause the stock price to plummet, while collective greed would drive the stock price up. Greed and cowardice are the two mistakes made by investors far too often.
「眾人的憂慮害怕，會使股價下跌。眾人的貪婪行為，會使股價上升。貪婪與懼怕是投資人常犯的錯誤。」
Those who know nothing about financial planning, who make no effort to build a savings yet love to spend and don’t hesitate to borrow are the ones who will inevitably end up in a pile of debts.
「不懂理財，沒有節約儲蓄的習慣，但是又愛亂花錢，亂借錢，這才是造成個人債檯高築的主因。」
Too many credit cards are being issued nowadays so that the general public has grown into the habit of consuming on debts out of their ignorance of the consequences, forcing a considerable amount of debts unto themselves. Credit card overuse is causing the pervasive lack of savings among the citizens.
「信用卡公司濫發信用卡。令民衆在不知道後果的情況下輕易舉債並消費成癮，因此負債纍纍，濫刷信用卡剝奪了民衆儲蓄的能力。」
Granted, credit cards are convenient, but you should always avoid being charged the high interest rate. It is meant as a shopping convenience, not a way for you to live on borrowed money.
「你可善用信用卡的方便性，但同時，你也要拒絕信用卡的高利息。信用卡是給你購物時方便用的，信用卡不是給你用來借錢周轉用的。」
Credit card is not meant as a tool to acquire long term loans, and should not be used unless necessary.
「信用卡不是一個長期的借貸工具，你能不借它最好 。」
People with savings won’t need to pay high interests to the credit card companies. If you are, it is exactly because of your lack of savings.
「人們有了足夠的積蓄之後，也就不會付高利息給卡債公司了。你會付高利息，就是因為你沒積蓄之故。」
The reason for the pervasiveness of credit cards today is that people like to over-spend and live beyond their means.
「信用卡泛濫的原因，就是因為個人消費過度，打腫臉充胖子之故。」
Credit card overuse is driving up the collective debts of the general public. In effect, the card users suffer while credit card companies’ rejoice.
「濫刷信用卡的結果是使民衆的欠債額上升。濫刷信用卡害了刷卡人自己，卻樂了卡債公司。」
A large inventory of foreclosed properties is blocking the flow of capital in the US economy, and short sales are on the top of the list for creating a jam in the lending pipeline. Owners of devalued properties went from healthy consumers to an impoverished population.
「大量的拍賣屋，噎住了美國金融體系的流動資金，大批的Short Sale是阻礙信貸流通的禍首，大批的溺水屋害的屋主沒餘錢去消費。」
The economy cannot hope to recover any time soon while the bank still holds toxic assets.
「如果銀行存在著許多有毒的資產，那麼經濟要復甦，路還很長的很呢！」
Until nation-wide unemployment rate drop below 6% in the United States, all hopes of economic recovery are in vain.
「全美失業率若不下降至6 %以下，想要經濟要復甦是無望的。」
The global real estate market is still riddled with problems, collapsing under the weight of devalued properties, while the banks are dragged ever downwards by their toxic assets. Now that the banks are starting to address those toxic assets, more foreclosures will be released onto the market. For certain areas, the housing market may still have room to fall.
「全球房屋市場仍有許多問題，溺水屋拖垮了房市，有毒資產拖垮了銀行。現在銀行開始積極處理手上的有毒資產，相信會有更多的拍賣屋上市求售，預計部份地區，房價仍有下調的空間。」
Falling home prices are certainly bad news many, but it’s good news for those who can buy at a cheap price. The low prices are bound to lure in a substantial number of buyers and investors, meaning a new round of home-buying fever is just around the corner.
「房價下跌雖是一個壞消息，但是能買到便宜的房子就是一個好消息。相信更低更便宜的房價，一定可以吸引到大批量的買主與投資者，到時候另一波的房市搶購熱潮就要正式上演了。」
Once the home prices hit rock bottom we can expect another round of home-buying frenzy. If you do not want to suffer similar failures as before, you must take swift and decisive actions to seize your opportunity for wealth.
「一旦房價跌到谷底，另一波的搶屋大戰就要上演了，為了避免有第二次的失敗，你的行動就要快，以便搶到商機、搶到財運。」
You may have lost the opportunity to purchase a house ten years ago, but you should not make the same mistake again a decade later: do not fall victim to the same mistake twice.
「十年前你錯失買到房子的機會，十年後你不可再錯失買到房子的機會。犯錯一次已經夠了，現在你不可以再犯第二次錯誤了。」
It is understandable to make mistakes, and even if you repeat it one or two more times it’s still not too late to correct yourself and start over; but if you keep making the same mistakes over and over again you would have no future to speak of.
「犯錯一次可以原諒，犯錯二次可以更正，犯錯三次可以重新來過，但是如果你一再連繼犯錯，那只有死路一條。」
There is no future for those who repeatedly make mistakes with no savings, no credit, and no self-restraint yet indulge in gambling, sex, drugs, and play.
「沒有儲蓄，不愛惜信用，花錢沒有節制，好賭好色好毒好玩的人，那就是連繼犯錯，只有等著死路一條。」
Don’t expect to qualify for a loan if you are one of those people who repeatedly make mistakes because you are unwilling work hard, have no savings, credit, or a decent income.
「工作不努力，沒有儲蓄，信用不好，收入又不足的人，就是連繼犯錯，像這樣的人銀行是不會借錢給你的。」
Get your credit history, income, and cash savings ready as you move in to battle for the property you want. As soon as property prices hit rock bottom, a home-buying frenzy is bound to begin.
「準備好你的信用、準備好你的工作收入、準備好你的現金存款，來一次搶屋大戰。一旦房價跌到谷底，搶屋大戰的戲碼就要上演了。」
Be honest about your various sources of income when filing your taxes, for the banks will calculate how much to lend you based on how much you earn.
「要誠實申報你的各種收入，取得繳稅證明。銀行是按你收入多寡來核計你的貸款額度的。」
In a bad economy the most important thing is to keep your current job and avoid being laid off at all cost. Secondly, you have to start saving up for an emergency fund and be extra mindful not to invest in anything risky.
「在經濟不景氣時，最重要的一件事就是保住現有的工作，避免自己被列入被裁員的名單之中。其次就是要省吃儉用，蓄儲足夠的周轉金，同時要審視自己的投資項目，以確保自己的投資項目是安全的」。
Never lose faith in yourself, even if you lose your job or your house during the financial crisis.
「如果你受到這一次金融風暴的波及，失去工作，失去房子，你要對自己有信心、不要灰心。」
Only those who have suffered through and survived the harshest trials and tribulations in life can eventually find real glory and success.
「沒有經過大風大浪的人，他的人生是不會光彩的。」
A man who has never suffered can never understand what happiness means, just like a person who has never seen defeat can never comprehend triumph. People who have never gone through all the toils in life will never appreciate how hard it is to make a living in this world.
「沒有經歷過不幸的人，不知道幸福為何物，沒有經歷過失敗的人，不知道成功為何物。沒有吃過苦的人，不知道賺錢會有多麼難？」
A man living by his parents’ wealth may be lucky, but also in some ways unfortunate. He is lucky because he can live a good life without any hard work on his part. Yet he is unfortunate in that he will never experience the gratification of success and accomplishments from his own hard work.
「躺臥在父母恩澤底下的人最幸福，但也最不幸福。幸福的是，他不需要努力也能生活的非常好。不幸福的是，他無法體會出那種經過努力奮鬥而得到的快樂感、勝利感與成就感。」
A person born with a silver spoon may have a sense of superiority, but with it comes emptiness as well.
「含著金湯匙出生的孩子，天生就有一種優越感，但也伴隨著另一種空虛感。」
A child who has everything he wants may not understand the concept of true happiness.
「物質上什麼都不缺的孩子，可能無法體會出什麼是快樂 。」
The sense of fulfillment that comes with accomplishments is a crucial element of happiness, which is why rich kids inheriting their parents’ wealth are seldom ever happy.
「 缺少成就感與滿足感的人是不會快樂的。許多繼承父母財產的富人並不快樂，那就是因為他缺少成就感。」
40*
You can slack off and stumble once in a while just as long as you don’t make the same mistake twice.
「人都會偷懶，人也都會犯錯，但只要沒有第二次的犯錯就可以了。」
People who never make the same mistake twice are saints who know to learn from their past failings.
「不二過的人，不重複犯錯的人，可稱為改過知新的聖人。」
Without defeats there will no triumph. A life without failures is a huge failure in and of itself. People can’t claim to have grown up without having weathered defeat.
「沒有失敗就沒有成功。沒有失敗的人生，本身就是失敗。沒有經歷過失敗洗禮的人，就不算是已經長大了。」
The economy may have dragged you down, but you should never lose your spirit. Seize whatever opportunities there are and start over—that’s how you gain valuable life experience.
「雖然金融風暴讓你倒下，但是你不要喪志灰心，要抓住商機，重新來過，再接再厲，這樣你人生的歷練就更豐富了。」
Have the determination to learn from your mistakes and never repeat them, and you will have taken the first step towards success.
「痛下決心，徹底檢討自已的過失，真誠悔過，不再犯錯，這就是你邁向勝利成功的第一步。」
Turn your failures into the stepping stones to success; use the experience to help steer your way. To ensure that your failure becomes a part of your glory and not a source of shame, don’t make the same mistake twice.
「讓失敗成為成功的墊腳石，讓失敗成為成功的助益，讓你的第一次失敗成為你的光榮而不是羞恥，那就是你不可以再有第二次的失敗。」
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