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1.把你現有的財富做再投資。就像史諾德寫到過的那樣:『再小的資金也能變成大財富』——只要你管好自己不亂花賺來的錢。要讓復利幫你賺錢。
Reinvest your profits. 『Even a small sum can turn into great wealth,』 Schroeder writes, if you」re disciplined to not touch your profits. Let the power of compound interest work for you.
2.要願意與眾不同,把自己區別於芸芸眾生。做對自己和自己的處境有利的事兒。
Be willing to be different. Don」t follow the herd. Do what is best for you and your situation.
3.永遠都別吮手指。哦……這個該如何理解呢?巴菲特會根據已有的信息很快做出決定。我則傾向於坐下來、好好把事情理清楚。果斷地做決定能夠給你優勢位置、並避免耽擱事情。
Never suck your thumb. Ah, how I could learn from this one. Buffett makes decisions quickly based on the available information. I tend to sit and stew about things. Acting decisively can give you an advantage and prevent procrastination.
4.在做交易以前一定要搞明白了。我成天為這事兒煩呢:在簽合同以前一定要好好讀清楚(特別當合同不是分期付款時)。條款一點一點讀清楚,要知道自己正要做什麼。
Spell out the deal before you start. I stress this all the time: Don」t sign a contract unless you」ve read it (especially not a mortgage). Read the fine print. Understand the what you」re getting yourself into.
5.小開銷也要謹慎。大事兒要緊這沒錯,但小事兒同樣也是的。節儉對個人理財來說是重要的一環。這個原則對於投資同樣適用,這也是為什麼我喜歡低成本指數基金的原因。
Watch small expenses. While it」s true that the big things matter, the little things do too. Frugality is an important part of personal finance. But this principle also applies when investing, which is one reason I」m a fan of low-cost index funds.
6.要限制自己借錢的數量。史諾德寫過『靠信用卡和貸款度日是不會變成富翁的。』當然,用點兒小技巧是可以幫你買個房子、或者一輛新車,但是過多的借貸卻會打破你的財政平衡。
Limit what you borrow. 『Living on credit cards and loans won」t make you rich,』 writes Schroeder. Sure, leverage can get you into a home or a new car, but too much debt is one of the biggest drags on your financial well-being.
7.要堅持。如果你知道你做的事是重要且正確的,那就要堅持下去。頑強地追逐自己的目標。要學會『向前摔跤』。
Be persistent. If you know what you」re doing is important and right, stick to it. Doggedly pursue your goals. Learn to 『fail forward』.
8.要知道什麼時候該退出。我曾經寫到過沈沒成本謬論的危險性。就因為你已經付了十美元去看奪寶奇兵4,不代表你就非要看完它。
Know when to quit. The other day, I wrote about the danger of the sunk-cost fallacy. Just because you」ve already paid $10 to see Indiana Jones and the Kingdom of the Crystal Skull, doesn」t mean you should sit through to the end.
9.評估風險。做決定前先問問自己『結果是什麼?』,這能幫助你在糾結著要做決定時看清楚所有可能發生的後果,並能指引你做出最明智的抉擇。
Assess the risks. 『Asking yourself 「and then what?」 can help you see all of the possible consequences when you」re struggling to make a decision——and can guide you to the smartest choice.』
10.懂得什麼纔是真正的成功?對我們每個人而言成功的定義都不同。找到那個對你生命真正有意義的、會對每一天都有影響的。專注其中。巴菲特說:『當你到了我這個年紀,你會重新評估你的成功,你會在乎那些你想愛的人是不是真的愛你,這是對你一生過得如何的終極檢驗。』
Know what success really means. Success is different for each of us. Find what it is that brings meaning to your life, what makes each day important. Make this your focus. Buffett says: 『When you get to my age, you」ll measure your success in life by how many of the people you want to have love you actually do love you. That」s the ultimate test of how you」ve lived your life.』 (廣角輯)
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