7. A new concept to become rich through financial management - lend time of investment to your children.
7. 理財致富的新觀念 ---- 借投資的時間給孩子
導向成功的金玉良言 --- 成功秘碼28 條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
The concept of “Lend time to your children” is very important。 It can help your kids to shed poverty and become rich.
* The concept of “Lend time to your children”. This contribution is very important to help your kids to shed poverty and become rich.
「借時間給孩子」的這個觀念是非常重要的。因為它可以幫助你的孩子「離貧、 致富」。
* The judgment for real estate investment doesn’t emphasize on the quantity, but on the length of time. That means how long your ownership will last.
「房地產投資不在於數量多而在於時間。它的成敗在於你擁有房地產的時間有多久。」
* If we had known how to borrow time from our parents and grandparents when we were kids, we should be very rich now.
「如果當我們還很小的時候，就懂得「向父母借時間、向祖父母借時間」如果你是這樣做的話，相信你現在一定很富有。」
“Study hard and work hard” has been the road to success as a universal truth. But now we have to reconsider this controversial question: “How much can this road help you create your personal fortune?”
「好好讀書、好好做事 」這條路對創造個人財富是否有幫助，值得我們重新探討。」
* The short cut of a successful investment is like traveling by plane. It will take you directly to your destination, because you cannot afford to waste your time for financial management.
「成功投資的捷徑 像是「坐飛機」 一樣，載你直接到達目的地，因為你沒有多餘的理財時間可以去浪費。」
* To accumulate the wealth of real estate depends on time. The earlier you make the investment, the bigger profits you will make.
「累積房地產的財富需要靠時間，投資愈早獲利就愈大。」
* The traditional concept tells us that people can earn money with knowledge and special talent. Although no one can deny the concept, yet it is not perfect enough.
「傳統的賺錢觀念就是「只要把書唸好、有一技之長就能賺錢。」這種觀念不是不好，而是不夠好。」
* As a boss it doesn’t matter which class you belong. If you can hire the first class employees to work for you, your company will certainly have rich money resources.
「不管你是第幾流的老闆，只要能聘用第一流的人才為你效力，那麼你的公司就大有錢途了。」
* It is good for you to be smart in learning knowledge. But it is much better for you if you know how to run a factory or a company and hire the best employees to work for you. The reason is quite simple. With your knowledge you can only earn a single payment of salary, while a boss can earn many more times of salaries.
「會唸書」固然是好事，但懂得開公司、開工廠，且能僱用第一流的人才為你效力 ，才更是好事。因為會唸書只能賺一份薪水，會做老闆的，則可以賺幾十份薪水。」
* Imagine how the parents designed the ways and means to make money for their children in old times. Isn’t it like riding in a train? When the children began to understand the importance of investment, they were already in their fifties or sixties. Alas, it’s too late!
「想想看傳統父母為孩子設計好的賺錢方法是不是很像在坐火車，開開停停，等到孩子懂得開始學會「房地產投資」的時候，己經進入五、六十歲了，那是太晚了。」
* To be capable in managing finance is more important than capable in making money. There is another saying similar to this one. To be a good boss is more important than to be a smart scholar. So, the conclusion is specializing in real estate investment is more important than doing anything else.
「會理財比會賺錢更重要。」同樣的道理「會做老闆比會唸書更重要。」最終的道理是「會投資房地產比什麼都重要。」
* The increase of the real estate value needs time to nourish. The length of time will determine its value.
「房地產的增值」需要時間來滋養，時間的長短，決定了房地產的價值」。
* We must cherish our investment time because time waits for no one. We can’t afford to waste any single day.
「時間不等人，我們要珍惜我們投資的時間，免得它過一天，少一天。」
* Money cannot buy time back, but you can use time to exchange for money. If you don’t have enough time for investment, you may borrow time from yourself or from your parents as well.
「金錢買不回光陰，但是你可以用時間換金錢。」如果你投資的時間不夠用，你可以跟自己借時間，或跟父母借時間。」
* Real estate investment does not depend on quantity, but on the time of your ownership.
「房地產投資不在於多而在於長，在於你擁有房地產的時間有多長。」
* Holding real estate means to hold your future ; holding real estate means to hold your money resources.
「擁有房地產就擁有希望；擁有房地產就擁有錢途。」
* If the parents are unable to manage their money, their children will live a poor life. On the contrary, if the parents know how to manage their money, their children will not be so poor. Moreover, if the parents understand the importance of lending time to their children, your children will not be poor any more.
「孩子窮就是父母不會理財。」如果父母會理財，孩子也不至於會那麼窮。如果父母懂得「把時間借給你的孩子」你的孩子就不會那麼窮了。
* It is the responsibility of parents to give good education to their children, and also teach them money management. It will be more important if the parents can lend time to their children, and the children can lend time to their children. That will be a perfect dream.
「做父母的責任不僅僅是要把孩子教育好，還要教孩子學會理財。更重要的是「父母能把時間借給孩子，孩子能把時間再借給孫子。」這樣才最為理想。
* Some day when you tell your son, ” I have no money”, you might find the reason why you are so poor. It is because your ancestors did not lend their time to you.
「有一天當你對你兒子說「我沒錢」時候，你就會發現原來你貧窮的原因，也是你的祖先沒借時間給你。」
* “ Credit-card debtors or squanderers” will say sorry to their parents and also to their children one day, because they have wasted their parents’ time, their children’s time and their own time. So, credit-card debtors must stop their “debt for debt” follies and halt banking overdraws. Hurry up now! Make a “U” turn to reach the safety shore.
「卡債族、月光族」上對不起父母，下 對不起子女。他浪費了父母的時間、浪費了子女的時間，也浪費了他自己的時間。卡債族要趕快停止「以債養債」「放下透支，回頭是岸。」
* Don’t borrow time from your children. But you can lend time of investment to them.
「不可向孩子借時間，但是可以把投資的時間借給孩子。」
* It is more important for the parents to teach their children how to manage finance than how to obtain a doctoral degree.
「父母教導孩子學會理財，比教導他們拿博士還重要。」
* It is parent’s duty to teach their children financial management, so that they will be the winners at the starting point of any competitions.
「教導孩子學會投資理財，讓他嬴在致富的起跑線上，這是父母長輩的責任。」
* It is more useful to teach your children how to manage their money than leave them part of your properties. And it is more effective to lend them part of your time than to teach your children money management.
「如果要留一份財產給孩子，還不如教導孩子學會理財來的有用。如果要教導孩子學會理財還不如直接借一份時間給孩子來的有效果呢！」
* You are setting up a very good role model when you lend part of your time to your children. At least, you do understand the importance of investment and financial management and are putting into practice. This will be a great help to your children to get rid of poverty and become rich.
「借一份時間給孩子」這就是一個很好的 ( 示範 ) 身教，至少這表示父母已經懂得了投資理財的道理，並且真的在施行中，這對幫助孩子「致富、離貧」有很大的幫助。
* If you can manage your finance in the way like traveling by plane, you will save your time. If you can lend your time to your children, they will save their time in managing their finance. If you combine these two ways, you will save a lot of your descendants’ time in managing their finance. When it passes on from generation to generation, all of your descendants will have prosperous businesses and enjoy wealthy and healthy lives.
「用坐飛機的理財方法，就是節省你自己的理財時間。借時間給孩子，就是節省你孩子的理財時間。若這兩者能併用，就是節省你後代的理財時間。」如果能如此代代相傳延續下去，保證你的子孫財運亨通「想不發」也難。
* Finally, you have completed your mission by handing down your good fortune to your offspring. This is exactly what “Lend your time to your children” means.
「留福給你的子子孫孫。這就是「借時間給孩子」的道理了。
07-09-2009 RENEW