115 The three rules to successful investment: don’t engage in ineffective investments, don’t invest when it’s prone to failure, and don’t invest based on your greed.
115 不做沒效率的投資，不做失敗的投資，不做貪婪的投資，這三件事就是你投資成功的秘訣
導向成功的金玉良言 --- 成功秘碼 64 條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
The secret to success is having a clear and viable goal, a goal that you are willing to work hard and fight for.
「 成功的秘訣在於你有一個明確可行的目標，而且努力堅持，奮戰到底。」
Never give up, and you will prevail: in war, as well as in life.
「決不放棄，可以嬴得戰爭。決不放棄，可以嬴得你的人生。」
Any form of success requires time. In order to succeed, you have to have a clear goal you will valiantly fight for and never give up on.
「任何成功都需要有時間這個因素，在成功之前，你最需要的是確定方向 (目標)、
，勇敢的奮戰到底，不到成功決不放棄。」
Pay attention to your primary objective, and do not be distracted by anything else. Without a target, you can’t achieve anything.
「要專注你的主要目標，不要讓你的目標輕易的被其它事務所分散掉 / 取代掉，沒有一個固定專一的目標，你將會一事無成。」
Focus on your primary goal; don’t deviate from pursuing it because of various distractions. If you allow other matters to interfere with your plans and sabotage your confidence, you may end up forsaking your dream.
「要專注你的主要目標，千萬不要讓其它的事務迷糊了你的視線，攪亂了你的行動，因此動搖了你的信心，最後讓你放棄了對理想的追求。」
Why is it that after all the effort you put in you haven’t really accomplished anything of note? That is because you did not have a goal, and thus your hard work were in vain.
「為什麼我們在忙忙碌碌之後，我們的成就不那麼大？其中最大的原因：就是因為我們沒目標的瞎忙，又瞎又盲，所以一事無成。」
Without a clear goal in mind, always chasing after shiny things, you’ll never be able to finish what you’ve started. Your plans are constantly altered and forsaken—you will end up accomplishing nothing.
「心裡沒有明確的目標，做事隨風搖擺，做做停停，停停做做，這樣的行事做風，終將是白忙一場，一事無成。」
Opportunists who always pursue the next money maker without a clear objective in mind are the worst. They keep themselves busy, yet at the end of the day all their efforts went into nothing.
「聽說哪裡有錢賺，就往哪裡攢，這種隨風搖擺，心裡沒有固定目標的人最可怕。他們整天忙碌，但最終還是徒勞無功，空歡喜一場。
The reason most people fail is not necessarily because they haven’t worked hard enough, but more likely because they didn’t set a goal for themselves and therefore went down the wrong path.
「人往往失敗的原因，不是自己努力不夠，而是自己沒有訂好目標，走錯了方向。」
Generally speaking, the busiest amongst us are often also the most incompetent. People who feel they have to do everything by themselves will never get much done even if they keep working themselves to exhaustion. They are being foolish, not knowing how to delegate work and effectively use other people’s talent.
「 一般說來，越忙的人越是低能。凡事都得自己親自處理不可的人，就算他整天忙到累死，也不會有成績，他的辛苦，他的忙都是自找的，那只說明出他是一個不知分工授權、不知人善用的人。」
The reason why low level employees are always kept busier than their superiors in management positions is because the latter’s job is to give orders while the former’s responsibilities are to carry them out.
「為什麼愈是低層的工作人員愈是忙碌，愈是高層的經理人愈是輕鬆？因為低層的工作人員是受別人指揮做事，而高層的經理人是指揮別人做事。」
If you plan on earning money with nothing but your own two hands, you should ready for exhausting work. Only those using wisdom to acquire wealth can do so without breaking a sweat.
「利用兩隻手賺錢的人一定忙碌。利用智慧賺錢的人一定輕鬆。」
Before the construction of a tower can begin, a blueprint has to be drawn first. In much the same way, to obtain a college degree, you must first finish elementary school.
「若要建成大廈，必須要有藍圖。若想要獲得大學畢業，你必須先要從小學做起。」
Draw a blueprint for your own future, and think about what kind of man you want to become.
「為了自己的前途，你要先為自己劃一張藍圖，看看你將要成為怎樣的一個人。」
Without a blueprint or a goal, you’d only be wasting your time, energy and money.
「如果沒有藍圖、沒有目標，那只有浪費你的時間、浪費你的精力與浪費你的財力。」
Executives love golf because it’s a sport that focuses on a single goal, despite the other elements such as the topography of the course and the effects of the wind. As golf experts would say, it’s not a question of how hard can you hit, but rather how accurate is your aim.
「高爾夫球是一種運動，它之所以為大老闆喜歡，就是它要訓練你專注目標。不管地形如何？風向如何？你的目標就只是那個小小的洞。專家說：不管你擊球的力道有多大，你都要瞄準方向。
Many rookie golf players try to hit the ball as far as they can, while veterans know it’s the accuracy that counts. As experts will tell you, an accurate hit is much better than a powerful hit.
「初學高爾夫球者，一心想把球擊的遠，而老手則是一心想把球擊的準。專家說：把球打直，要比把球打遠更重要。」
In golf your aim is more important than your distance. In life, your goal is more important than your effort.
「打高爾夫球，方向比距離重要。目標比努力重要。」
Hard work without a goal is ultimately pointless. Ascertain your direction in life; otherwise all the effort you put in will only be in vain.
「 沒有目標，再多的努力也沒用。沒有訂定好努力的方向，再多的辛苦也是惘然。」
As long as you have picked your destination in life, even if you’re not progressing as fast as you’d like, your hard work are never in vain. By contrast, if you’re going down the wrong path, no matter how fast you are it will all be for nothing.
「方向要是走對了，哪怕是走的慢一點，也不會白忙。方向要是走錯了，哪怕是走的再快，也將是徒勞無功。」
If you take on a zero-down mortgage, you’re going down the wrong path. Taking on debts without learning to save first is like trying to run before learning to walk—it never ends well.
「用零頭款買房子的人，就是走錯了方向。 沒有學會儲蓄就先學會借錢，就像嬰兒沒有學會走路就想學跑步一樣，那肯定是會失敗的。」
Build up enough savings before buying a house, just like how a baby must first learn to walk before trying to run—one step at a time.
「在買房子之前，你先要學會勤儉、儲蓄，就像嬰兒在學會跑步之前，須先學會走路一樣，一步一步的來，這樣才行的通。」
Those who have insufficient savings yet try to purchase a house with zero-down mortgage are like babies trying to run without even knowing how to walk. Taking on a zero-down mortgage is a display of ignorance in terms of financial planning— you’d be biting off more than you can chew.
「沒有錢、沒有儲蓄就想用零頭款買房子的人，就像是嬰兒還不會走路就想學會快跑一樣，那樣是行不通的。用零頭款買房子的人，不僅是不會理財，而且是打腫臉充胖子。」
A man must never fear hard work, but should never work in vain.
「人不怕辛苦，但怕白辛苦。人不怕流汗，但怕白流汗。」
When you’re working twice as hard as the next man yet have accomplished nothing useful, you know that you’re being inefficient.
「沒有效率的人，就是那些用最高的努力，卻做出最沒成績的人。」
If you want to maximize the effectiveness of your hard work, you need to choose only the worthy tasks to invest your time and energy in.
「想要把自己的忙碌達到最大的效果，就要把自己的時間與精力放在最有價值的事上。」
Efficiency requires one to fully analyze the situation, and acting without doing so will be similar to a doctor randomly prescribing medicine without examining the patient: the resulting efforts would be wasteful and ineffective.
「對症下藥就是效率，未經醫生檢查就亂投藥，就是徒勞無功，沒效率。」
Investing in real estate will not necessarily turn a profit. Whether you can make money depends on whether your investment was on par.
「不是每一個買房子的人，都可以賺得到錢，賺不賺得到錢，就要看你有沒有亂投醫。」
People with low income who resort to zero-down mortgages to buy a house are going down the wrong path for they are wide off the mark in solving their problem.
「沒有頭期款、沒有高收入，就想買房子的人，就是沒有對症下藥、病急亂投藥，走錯了方向。」
Work hard to earn more, and be frugal to save more. Plan out your finances and invest wisely but never greedy. These are pointers on how to get rich with the highest possible efficiency.
「 打工多賺錢，勤儉多儲蓄，會理財、會投資，且不貪心，這是一條有效率的致富方法。」
Today’s youth tends to shun hard work and lack the discipline to save money. They bury themselves in illusions about riches and fancy mansions, easily resorting to zero-down mortgages to buy the houses they want, ending up in grave financial trouble. They are in fact putting the cart in front of the horse and acting irrationally.
「時下的年輕人，多不能吃苦耐勞，即不能勤奮工作，又不能多儲蓄，只會異想天開，想擁有一幢豪宅，最後採用極其風險的零頭款買房子，把自己陷於財務危機之中。這種本末倒置的做法，就是急病亂投醫。」
Today’s hard work is all for tomorrow’s progress. But don’t work in vain-- always have a clear and viable goal in mind.
「今天的努力是為了明天的發展，但是你不要白努力，你一定要有明確的、可行的目標。」
Once you have a clear and viable goal in sight, you have to be persistent until you reach it. Success belongs to the persistent few who never give up.
「有了明確的、可行的目標，你就要堅持到底。成功是屬於堅持到底，決不放棄的人。」
Success is reserved for those who are driven by objectives and goals.
「成功是屬於忙裡有序的人。成功是屬於有目標的人。」
Success is bestowed upon those who are down to earth, frugal, and willing to fight for their dream.
「成功是屬於腳踏實地的人。成功是屬於勤儉敢拼的人。」
Always look where you’re going. Hard work is important but you shouldn’t even start working until you have a clear goal in sight.
「埋頭垃車，也要抬頭看路。努力也要有努力的目標才行。」
Investment is vital if you want to get rich, but you have to use your head. Thoughtless investments are random investments.
「投資固然重要，但更重要的是用腦子，沒有腦子的投資，就是盲目的投資。」
Random investments are always risky. Greedy investments are always prone to failure.
「盲目的投資，風險一定大。貪婪的投資，失敗一定多。」
High risk investments are bound to wind up in failure.
「高風險的投資就等於是失敗的投資。」
One has to be extra careful around “high yield” investments, for those are mostly nothing but scams.
「高報酬的投資就等於是失敗的投資，因為小心其中必有詐。」
Laziness, greed and dishonesty are among the worst possible human qualities.
「所有的行為之中，偷懶、貪婪與不誠實最可怕。」
Failures are too often brought about by laziness, greed, dishonesty, as well as a lack of goal and efficiency.
「人的失敗 與 偷懶、貪婪、不誠實、沒目標、沒效率有關。」
Be efficient and result-oriented in everything you do. Don’t engage in activities that keep you busy but have no effect. Spend your money with discretion and build your wealth with wisdom.
「多做有效率的事，多做有結果的事，不要做一個忙碌，而沒效果的事。錢要花在刀口上，智慧要用在財富上。」
Be efficient with your efforts. Make sure your work yields results.
「精力要用在效率上，忙要忙出結果來。」
Money should be spent with discretion. Wisdom must be applied to building wealth. Contributions should be your gift to humanity.
「錢要用在刀口上，智慧要用在財富上。貢獻要用在人類福祉上。」
Investments are meant to make you money, which is why you have to be efficient and effective as an investor, otherwise you’d be hurting your chances of success.
「投資就是要賺出錢來，投資就是要講求投資的效率。如果投資沒有效率，成功就會打折扣。」
Purchasing a house without a down payment or sufficient income is the perfect example of a bad investment destined to fail. On the other hand, buying real estate with cash without any financial leverage is an inefficient investment. A wise man should manage to find a balance between the two options.
「沒有頭期款、沒有高收入就投資買房子，這是失敗的投資。沒有用到財務槓桿，而用100%現金買房子，這是沒效率的投資。如何平衡前述兩者，這就是您的智慧。」
Busy work doesn’t guarantee a man’s success. It is wise investments that do.
「 決定一個人的成功，不在於他忙不忙，而在於他有沒有做到有效率的投資。」
Investing in prime real estate will guarantee profit. House price in densely populated areas tends to rise fast, and newly built real estate will cost a lot less to maintain in the future.
「選擇好的地段買房子，保證會賺錢。選擇人口密集的城市買房子，增值一定快。 選擇房齡低的房子買，以後的保養成本保證會比較低。」
Successful investments allow you to apply the principle of financial leverage while carrying minimum risk.
「如何利用到財務槓桿原理，而又不冒風險的投資，這就是最成功的投資。」
The wisest investments in the world are in your own education and in prime real estate.
「全世界最好的投資，只有腦袋與房子。腦袋指的是知識與教育。房子指的是好地段的房地產。」
Buying houses you can’t afford is as fruitful as teaching a dead man to play basketball. If you’re going down a wrong path, all the hard work in the world would be pointless.
「 不要教死人打藍球，也不要呈強買房子，那都是沒有結果的。用不對方法，走不對路，都是白花力氣的。」
A man should put up a good fight for himself, but not without a clear goal in mind. Investment is the key to becoming rich, but only when there is a sound investment plan.
「人要奮鬥，但不能漫無目標的亂闖。人要投資理財，但不能毫無章法的亂投資。」
Investment is a viable way to make money, but investors should guard themselves against greed, which can often render a man blind to scams.
「人要投資賺錢，但不能起貪念，貪念愈大，愈容易吃虧上當。」
There is no free lunch, and high profits always come with high risks, which in turn bring high chances of failure.
「 所謂的高報酬、高利潤，就意謂著高風險。天下沒有白吃的午餐，所以要小心高風險的投資。高風險必定帶來較高的失敗率。」
We must invest to make money, but our investment decisions must never be governed by greed, for greed will only blind us to the danger of scams.
「人要投資賺錢，但不能起貪念，貪念愈大，愈容易掉入陷阱，最後吃虧上當，得不償失。」
High risk investment goes hand in hand with high failure rate. Without ample experience and wisdom, don’t go anywhere near it.
「高風險的投資，必定帶來高的失敗率。如果你實力不夠、智力不夠，絕不要去碰高風險的投資。」
Greed is the bane of investors: it will be your doom unless you can control it.
「貪念是投資的陷阱，如果你不能控制自己的貪婪，你就己經掉入陷阱了。」
All men suffer through failures, but one must not fail too often. This is especially true for investors, for a mistake made twice is one too many.
「只要是人都會有失敗，只是這個失敗不能多。尤其是在投資理財上，你不可以失敗二次以上。」
You can learn from others’ failures, but when you suffer failures yourself, the loss would be far too grave for whatever lesson you might learn from them.
「你可以從別人的失敗中得到教訓，但千萬不要從自己的經歷中得到教訓，因為那樣的損失太慘痛了。」
It is wise to learn from others’ mistakes. Of course you can learn from your own mistakes, but the lessons will be painful.
「從別人的失敗中得到教訓，才是明智的教訓。從自己的失敗中得到教訓，那是慘痛的教訓。」
Not many can truly withstand the pains of failures, so learning from those that came before us would be an efficient way to avoid such pains.
「世界上沒有幾個人能承受慘痛的教訓，所以多學習前人的經驗，成為自己的經驗，就可省掉你走許多彎路。學習前人的經驗成為自己的經驗，也算是另一種的有效率的投資。」
The secret to your success is learning to create an investment plan that is efficient, viable, and not in any way misguided by greed.
「不做沒效率的投資，不做失敗的投資，不做貪婪的投資，這三件事就是你終身要學習的大事，也是你成功的秘訣。」
A man with investments is a man with a future. May the future for all investors be prosperous and successful.
「一個有投資的的人，才是一個有希望的人。我期望每一個人的投資都能成功，我祝福每一個投資人的報酬都是光鮮麗的。」
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