85. Only buy a house to fulfill a personal need or for investment, not as an opportunistic maneuver.
導向成功的金玉良言 --- 成功秘碼17條
Honesty is an important virtue—something to remember when paying your taxes.
Tax rebates for buying a home might be an alluring concept, but it should not be the sole reason for buying a house: the purchase of real estate should be either for personal need or for the purpose of investment, not an opportunistic maneuver.
The rich always care more about long term interests of their investments, whereas those who stay impoverished tend to care only about immediate gains. Thus the rich get wealthier, and the poor thrown into further poverty.
Those who always keep a close eye on their credit eventually get rewarded for it. As long as you work hard to earn more, and always pay your fair share of taxes, you’ll find it easy when it comes time to borrow or take out a loan from the bank.
「努力修補信用記錄的人一定會有好的回報。只要你多賺錢、多繳稅，在你向銀行申請貸款 / 借錢的事上，你一定會得到銀行貸款批准的。」
With a strong credit history, a healthy amount of savings in your account and a proven record as a taxpayer, you will find that your bank would gladly loan you the money you need.
Always keep in mind that big spenders have to be big earners, and those on the brink of poverty should start saving instead of squandering what little they have.
How much you earn determines your ability to pay back your debt, so the bank usually cares more about your income level than your credit history.
You shall reap the fruits of your labor. As long as you put your pride aside, and stop obsessing over high salary or shying away from hard work, you can easily find a job.
“Survival of the fittest” dictates how the modern society operates. To succeed in today’s competitive world, you need to stay sharp and quick-witted, able to spot an opportunity from a mile away; you also need to be patient, taking one step at a time, and always be flexible when needed to.
While sudden riches are often attributed to luck, one can accumulate small riches with frugality. Work hard, and save up money whenever you can; with smart investments and fine financial planning, you will gradually become rich.
With years of savings, plus a decent income and a bank loan, most people should be able to afford a house easily.
Stimulation of modern economy needs to be carefully devised. The government’s plan to stimulate the market by exploiting the public’s demand for lower taxes does not constitute a long-term solution.
Purchasing real estate is not a viable maneuver for immediate gains. Don’t buy a house unless you really need it, or regard it as a long-term investment.
Those obsessed with petty gains in life should know when to refrain themselves, for fear of losing sight of the big picture at critical times.
Investment is fundamentally different from opportunistic maneuvers, which usually entails dishonesty, often leading to failure, for they invite one to lose sight of the grand scheme of things in favor of small, short-term gains.
「投資 與 投機不同。人之所以會有失敗，就是因為失敗在投機，失敗在不誠實，失敗在不負責任，失敗在愛佔小便宜。」
Play the stock / real estate is a gamble, it might be win a short-time gain, but not lifetime earnings. Speculation is not normal behavior, so it can’t exist for a long luck, only a sound / safety investment will bring real luck.
When investing, one needs to have a long-term plan. Do not be misdirected by small gains: always keep the big picture in mind if you don’t want to be making a big mistake somewhere along the line.