85. Only buy a house to fulfill a personal need or for investment, not as an opportunistic maneuver.
85. 買房子是一種需要、一種投資，而不是一種投機行為
導向成功的金玉良言 --- 成功秘碼17條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
Honesty is an important virtue—something to remember when paying your taxes.
「做人誠實很重要。誠實報稅、誠實繳稅也是很重要的。」
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.
「不要為了贏得政府的退稅優惠而去購屋。購屋是一種需要、一種投資，而不是一種投機的行為。」
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.
「有錢人與常人的想法不一樣。富人比較看重長期的投資利益，窮人比較看重短期的立即獲利，這就是富人愈來愈富的原因之一。」
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.
「只要你同時符合信用好、賺錢多、繳稅多、儲蓄足的優點，這樣銀行就一定會樂意借錢給你了。」
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.
「會花錢，就要會賺錢。不會賺錢的人，就不要亂花錢。」
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.
「能賺錢，才能還錢，所以銀行很重視你的賺錢能力，甚至超過你的信用記錄。」
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.
「努力，就一定有收穫。只要你肯放下身段，不求高薪、不怕辛苦，就一定會有工作做。」
“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.
「物競天擇，適者生存。這是一個充滿競爭的社會，只要你聰明靈巧，抓著機會，步步為營，能伸能屈，相信你一定會成功的。」
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.
「大富靠天，小富靠儉。如果能勤儉、吃苦、儲蓄、再加上會投資、理財，你就能漸漸地由貧變富了。」
With years of savings, plus a decent income and a bank loan, most people should be able to afford a house easily.
「若能把點點滴滴的錢省下來，變成你的積蓄，再加您的收入與 銀行貸款，你就可以順利購屋了。」
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.
「刺激經濟成長的做法要用正確的方法，政府這種利用人性的愛省稅的弱點，來刺激市場買氣的方法，是不能維持長久的。」
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.
「房子不適合短期操作。如果你不需要房子，你就不要去買房子。如果你不是有做長期投資的打算，你就不要去買房子。」
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.
「如果你是愛佔小便宜的那一位，而且愛佔小便宜成為是你的一種習慣，那你就要謹慎小心，要有節制了。」
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.
「炒股票、炒房子，就是一種賭博，它或許可以短暫獲利，但不可能一輩子獲利。投機是不正常的行為，所以它不能長期存在好運氣。只有穩健的投資才能帶來真正的好運氣。」
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.
「投資要有長期的計劃，你絕對不可以被短暫的小利小惠所迷惑，亂了你投資的大方向，如果你自亂陣腳，就很容易出大錯。」
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