101 There is no shortcut to success. Only those that persevere can enjoy the sweet fruit of success.
導向成功的金玉良言 --- 成功秘碼 66條
On the path to success, you are not alone: confidence is your best friend; hard work is your best companion / propeller; action brings practice to your skills; hope helps you retain your dream; and when that dream is fulfilled—you have reached success.
If you choose to be an enemy of success but a friend of failure, you’ll have no hope for a better life.
Banks will only offer to help when you’ve done well for yourself. If you don’t meet their requirements, they won’t lend you a single penny even if you get on your knees and beg.
People can’t appreciate the importance of freedom until they’ve lost it.
People can’t appreciate the value of their credit as well as a solid proof of income until they’ve been turned down by a bank.
With no credit, no savings, and no income, you can never hope to borrow so much as a penny from any bank.
The banks only open their doors to those with the ability to repay a loan. Those who can’t pay back their debts will only be turned away.
Young people love to have fun and spend money, often exceeding their credit limits to do so, ruining their credit history.
Young people must exercise restraint with their money to build a good credit. Spend rationally rather than chasing the latest trends. Don’t give in to your material desires, and force yourself to start saving money right now.
Understand that the purpose of saving is not to spend it all on a vacation. It should be to create capital for your investments.
Save up to invest. The more capital you have to invest, the more likely your investment can be a success.
「儲蓄是為了累積投資的本錢 / 實力，投資的本錢愈足，投資的成功率就愈大。」
If the bank refuses to give you a loan, you should see it as a severe warning that you’ve made some serious mistakes in your past which need to be addressed immediately.
Everyone makes mistakes. Those who can correct and rectify their mistakes are giving themselves another shot at success.
Do not bite off more than you can chew, and never live your life on borrowed money. Take extra care not to let your expenses surpass your income level.
Don’t give up even if the subprime mortgage crisis and the economic recession left you wounded. There’s nothing more admirable than learning and growing from your mistakes. Where there’s a will, there’s a way.
Without failures there will be no growth. Without efforts, nothing can be gained.
Every setback brings with it a chance for you to grow. Every misstep is a chance for you to stand back up. Every failure can be turned into a stepping stone for success.
People should prepare themselves for countless setbacks throughout their lives. As long as you stay positive, external pressures will only drive you to grow and to better yourself.
There will be no success without failures, but don’t make the same mistake twice. Repeated failures of a similar nature means you have not learned from your failures.
The housing market has plummeted as a result of the subprime mortgage crisis and mass foreclosures. The huge drop in price is your perfect opportunity to find a good deal.
「 房價因受到次貸風暴與大量拍賣屋影響而大跌，在這個房價大跌之後，就是你投資房地產 (撿便宜貨) 最佳的時候。」
You’ll find huge deals after a sharp fall in real estate prices. The best time to move in and invest is now.
The best timing for you to make massive investment moves is when everyone else is pulling back.
「最好的投資時機，就是當別人都在害怕 / 縮手的時候，你卻能加大力度，擴大投資。」
Real estate investment is all about timing and location. When others don’t find the market promising, seize your opportunity to invest. While others are pulling back, it’s the best time for you to jump in with your investment.
「投資房地產要選擇位置，也要選擇時機。當別人都在看衰房地產的時候，就是你最佳投資時機。當別人都在害怕 / 縮手的時候，就是你加碼投資的時候。」
To a positive and proactive man, the worst environment is the breeding ground of the best investment opportunities.
It is not unusual to lose an investment, but don’t let that bring you down. Be strong and have faith. Learn from your mistakes and know that every setback is a chance for growth. An occasional loss is not a big deal; just stand back up and start over.
Don’t mope over setbacks; fortify your belief and broaden your vision for the future.
No one can live a life without the pressure of failure; the important thing is for you to be prepared so that you won’t lose hope and self-confidence over minor setbacks.
No matter what you want to do, or what your dream is, you need to work hard towards achieving your goal, for only then can you find success.
Don’t always expect success on your first attempt, for success is the product of countless failures of varying magnitude. Know that without failures there will be no success.
A man’s life can’t possibly be made up of only triumphs and success, which is why a person has to find a way to brace himself for failures and defeats.
「在人的一生之中，不會有永遠的順境，所以每個人都要培養面對挫折 / 逆境的方法。」
If your investment ends up in failure, don’t take it too hard and lose hope over it. You must see the big picture, and give yourself a chance to start over. What’s important is that you always find lessons in your failings.
Life is supposed to be a hodgepodge of joy and sadness, triumphs and defeats, so take it all in with gladness and optimism.
There is no ever-lasting joy in life, nor is there never-ending pain, so be brave, and push onward towards your goal.
Let bygones be bygones. Remember that your value to society is in the future, not the past.
「忘記背後努力向前，過去的歲月 / 失敗就讓它過去，記著，你的價值是在未來，不是在過去 / 從前。」
Those who spend their youth fighting for their ideals and wealth and succeed in acquiring them should remember to share their wealth and give back to society.
However much money you have, it is still just a number with a lot of zeros at the end. True wealth is in the form a mindset and your willingness to give back to mankind.
「再多的財富也不過是白紙上的黑字，只是多了幾個零而已。真正的財富是你心中有服務大眾的熱忱 / 回饋社會的心願。」
No matter how big your company, or how many employees you have under your command, if your desire is not to serve, but only to earn more money, you are of no use to society.
Greatness is not measured by the size of your business or the level your wealth, but by your love and willingness to serve the public.
Doctors and hospitals should find their calling in saving lives, not making more money.
「醫生與醫療機構的天職應該是救人第一，不應該是搶錢 / 賺錢第一。」
People must learn to give, not just to harvest gains. Don’t be consumed by greed and hang on to everything; learn to let things go and find balance in life.
Live up to your potential physically and mentally and push for your own limits. Working is not all about money, but a way to fulfill your purpose of elevating humanity.
True heroes are those with a heart of service, who strive to better themselves so they may better contribute to society. People living a worthwhile life are those who contribute their talents with sheer passion and devotion.
Don’t work hard for the sake of heroics or reputation; work hard so that you can better serve society.
Whether or not you have found success in life, always strive to be a better person: treat others kindly, always do your best, seize opportunities, never stop growing, forgive others, spread love, lead a healthy life, be optimistic and proactive, correct your mistakes, take pleasure in helping others, share your success, and be grateful for everything you have.
The path of life is bound to be marred by failures, which is why we must learn to clear away the ruins and start over.
The rich must learn to be giving; the shrewd should learn to be kind. An investor must learn to manage risks. The needy must learn to better themselves. Those defeated should learn from their mistakes; the successful should learn to be humble. Those who carry disappointment must learn to be strong. People in debt must learn how to earn more to pay back what they owe… and people who have lost their hope must learn that they’re capable of starting over.
You may not be able to predict the future, but you can plan out your future. You cannot succeed in everything, but you can ensure that you’ve done your best in all of them.
Being content and grateful will bring you endless abundance. A greedy, wasteful, and lavish lifestyle will only lead you to poverty.
Greed causes one to haggle for a lower price when purchasing houses. It is foolish to expect a deal where the seller can’t make a profit— a foolishness that will inevitably prevent you from getting the house you want.
If you insist on haggling for a lower price when buying a house, you’re only being the enemy to your own success and will end up getting nothing.
A man can find enlightenment, but enlightenment will not find the man. Great men make history; history does not make great men.
A man can obtain wealth, but must never be enslaved by it. People whose only goal is the pursuit of wealth should not count themselves as truly successful.
If you want to succeed, no one can stop you. Give it everything you got, and be persistent. Success is lying just ahead of you.
He, with strength and tenacity, never gives up. He, who strives for excellence, never looks back.
Confidence drives you onward. Your unwavering will can help you find success.
No matter how tough it gets, you must push on with courage, and you shall see a better tomorrow.
There is no shortcut to success. Only those who can persist till the end can enjoy the sweetness of success.
There’s no such thing as a free lunch, just as there is no such thing as success without effort.
Some of the worst types of people are those lazy maggots who gave up on themselves and choose to live off of their family or the society.
「有人情願自暴自棄，懶惰不做事或存心做米虫，靠家人或社會供養，這種人最差勁 / 窩囊。」
Evil can take the form of someone who didn’t plan for their retirement while they were young and rely on the government to take care of them when they’re old.
「年輕時沒有做好退休金規劃，退休後要靠政府供養的人，這種人可稱之為惡魔 / 不負責任。」
Success belongs to those who never give up, never back down, and never stop fighting before reaching their goals.
Our life is in our own hands. Our goal should lie beyond the mere accumulation of wealth: we must contribute to the progress and continuation of the human species.
Remember that you are not alone on your path to success—confidence is your best friend.
Pain and suffering is the best education anyone can receive, for a man who has not suffered through toils and struggles can never find success.
Do not let the person who loves you wait for too long, and don’t let those who despise you laugh at you for long either. Put in the extra effort, and rise up to your greatness.
If you choose to be an enemy of success but a friend of failure, you’ll have no hope for a better life.