110.  To defeat the economic recession, success is in our own hands.
110.  面對經濟不景氣，成功還是要靠自己的努力

導向成功的金玉良言 ---  成功秘碼 35條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。

People find success with their own hard work, not by accepting help from others.
「成功是靠自己的努力，成功不是依靠別人的施捨。」

The economic recession calls for simplistic, humble lifestyles.  Keep learning more and work hard; build up your resources and cash reserve so that when opportunity calls you’ll be ready to make your move.
「面對經濟不景氣，我們要簡單生活，謙卑以對，並且努力學習，勤奮工作，蓄存能量，準備好自己的現金實力，當機會來到時，就可大膽地奮力一擊。」

In addition to pervasive unemployment, American households are mostly laden with debts to the brink of collapse, putting all spending on hold.  This will only worsen the economic decay.
「全美國的家庭債務水平已經到了難以維繫的地步，民眾面臨失業陰影，不敢大膽消費，這將使衰退中的經濟更加惡化。」

Those who feel disheartened by unemployment must recuperate and reclaim their confidence, so that they can find new jobs and move on with their lives.
「面對前途，感到灰心失意的失業工人，必須振作起來，重新拾回信心，去找到新工作。」

Do not waste time being upset about losing your job.  Accept the reality and start over.  As long as you’re willing to keep learning and work hard, your future will most certainly be a bright one.
「不要浪費時間在失業的憂慮中，總要接受事實，從新來過。只要努力學習、勤奮打拼，相信你會有更美好的未來。」

Once you lower your standards, and brace yourself for hard work, finding a job should be a cakewalk.
「沒有找不到工作的人，只有不肯放下身段，吃苦耐勞的人。」

Employees should be loyal to their employer, and put in the hard work that is asked of them.  The employer should pay his employees what they’re due so as to guarantee their living condition.  Bothe the employer and employees must collaborate and treat each other with care and respect.  Only then can an enterprise see steady growth.
「員工要忠於老闆，努力工作回報老闆。老闆要給員工調薪，照顧員工生活。員工與老闆必須相互體諒，相互合作，這樣企業才會繼續成長。」

Without good credit or adequate income, you won’t be able to get a loan.  In order to get the loan you need to buy a house, you must first repair your credit and boost your income.
「信用不好，收入不夠高，兩者均借不到錢。想要借錢買房子，先要救自己的信用與收入。」

Prolonged unemployment, losing your house to the bank, declining stock value, and diminishing pension are all hallmarks of a harsh period in an individual’s life.  However tough life gets, you still need to do whatever it takes to go on.
「長期失業、住家被查封、股票失血、退休金縮水，對一般的人來說，這真是一個辛苦悲慘的時刻。辛苦歸辛苦，人還是要想法子好好的活下去。」

No one can help out a man who is content with being a failure.
「沒有人能幫助一個自甘墮落又沒有上進心的人。」

Get on your feet, and push forward.  Learn to be a grownup.  No matter what difficulties lay ahead, you must be strong to prevail.
「要站起來、向前進，人總要學習自己長大。面對生活上的許多苦難，你一定要堅強地勝過它。」

The economic recession is not the end of the world.  Even if you lose your house, it doesn’t necessarily mean you’ll have nowhere else to live.  In hard times, always strive to find a solution for the problem.
「經濟不好，並不是世界未日。房子被沒收，也不是無家可歸。面對苦難，總要努力找出解決的方法。」

The current state of economy brings not only pressure but also opportunities.  Whether or not you can find success in this economy is all up to your own hard work.
「面臨沉重的經濟壓力，還是有許多成功的機會。成不成功，還是要靠自己的努力。」

An excessive supply of foreclosures has caused a sharp decline in real estate.  The prices will rebound after the real estate market undergoes a price reset.
「過多的拍賣屋，使得房價大跌。房屋市場在重新洗牌之後，房價就可止跌回升了。」

Survival of the fittest means that only hard working people can make a good living.  Slackers who refuse to work will starve and suffer.
 「適者生存，不適者自然淘汰。努力工作的人有飯吃，不耕耘、不工作的人，總有一天會被餓死的。」

Only hard work can guarantee a place in life.  Only a steady income can sustain your house for the long run.
「只有努力的人才能站立的住，只有收入穩定的人，才能安心的長期擁有房子。」

One has to possess adequate skills to earn and save money before he can accumulate capital to invest. Only those well-versed in their fields, capable of generating steady income can sustain the payments on their houses.
「先要有賺錢、積蓄的本領，後才能有投資的本錢。只有收入穩定且實力堅強的人，才能夠長期擁有房地產。」

Even if you put a house in the hands of a financially unstable person, he will surely lose it.
「如果把房屋交在財務狀況不穩定的人手中，那一定會出亂子。」

The only hope for a gloomy housing market is to find financially stable buyers for all the foreclosed properties.  This will be beneficial to the entire real estate market as well as the economy. 
「把這些拍賣中的房地產愈早交到財務狀況穩定的人手中，對整體房市與經濟愈有助益，這是房市在黑暗中的唯一的希望(曙光)。」

Have faith in ourselves.   Darkness is almost at an end, and a new dawn is rising.  There has been none-stop bad news up to this point; it’s about time for some good news at last.
「對自己要有信心，黑夜過去了，白晝就會出現，壞消息全都出盡了，好消息就會跟著來了。」

For winners, all bad news are but opportunities for new investments.
「對嬴家來說，愈是壞消息， 愈是重新投資的好機會。」

The declining economy sees the fall of many who were financially-fragile.  As new cards are dealt, all but the most skillful, most courageous, and the wisest will survive.
「在經濟衰退中，財力不夠雄厚的人必然紛紛倒下，經過幾次重新洗牌之後，只有有實力、有膽識、有智慧的人生存下來。」

If you wish to stay on your feet in an economic recession, you have to be willing to fight.  Work hard, earn more, build a savings, invest, and repeat— this is the only way for you to succeed.
「不想讓自己在不景氣中倒下，你就要更努力打拼。「打工、賺錢、儲蓄、投資、學習…….，打工、賺錢、儲蓄、投資、學習」使之循環不斷，這樣你就能成功。」

Have faith in the economy.  Improve yourself; keep on learning; never shy away from hard work and keep fighting.  You will certainly triumph over the economic recession.
「對不景氣要有信心，多進修、多學習、多努力，多打拼，相信你一定能戰勝經濟的不景氣。」

Self-confidence and decisive action are the only things that can trump failure.
「信心與行動是戰勝失敗的唯一利器。」

The pessimists are always kept at arm’s length from success, while an optimistic mind sees bad news only as great opportunities for infinite possibilities.
「悲觀者，他將與成功無緣。而樂觀者總是認為，愈是壞消息 ，愈是大好的成功機會。」
 
An opportunity may well change a man’s life, which is why you shouldn’t easily pass it up when one comes your way.  If you want to lead an exciting and meaningful life, you have to seize the opportunities, and even make a few of your own.
「擁有機會就是豐富一生，所以不要讓機會白白流失掉。想要讓生命發光發亮，你就要時時創造機會、抓住機會。」

We welcome those who are truly financially capable to invest in real estate.   Opportunists who helped hurl the housing market into chaos should be turned away.
「我們歡迎財力雄厚的人來投資房地產。但是我們也要拒絕投機客來炒作房價。」

Investing in real estate is a small step for you towards making a national contribution, but it’s a giant step for the nation towards prosperity and advancement.
「投資房地產是你建設國家的一小步，但卻是整個國家進步的一大步。」

Your effort doesn’t just bring you personal gains; it contributes to the vitality of the entire society you’re a part of.
「你的努力不只是你個得利，而是整個社會蒙福。」

Always keep in mind that decisive action is a requirement and a prerequisite to success.
「拿出實際的行動來，是成功的必然條件，也是成功的先決的條件，希望你沒忘記它。」

As an investor, you have to be bold and always see the big picture.  Your efforts will contribute to the recovery of the economy and the prosperity of your nation.
「膽子放大，眼光放遠，你的投資行動，可以讓景氣復甦，國家興盛。」

A man who can’t see beyond the past and the present cannot find the direction towards a brighter future.  Being obsessed with short-term gains will certainly lead to grave losses in the long run.
「只盯著過去或現在的人，不會有光明的未來。只著重眼前的得失，必定會失去將來巨大的收益。」

The years between 2010 and 2014 are the perfect window to make a fortune.  Hope you can seize this opportunity and take action to invest.  You would not only be creating wealth for yourself, but also benefit the society at large.
「2010年至2014年，是未來五年內創造財運最好的機會，希望你能把握住這次機會，拿出實際的投資行動來，讓自己得利，讓社會蒙福。」

Let us work together and boldly invest.  The recovery of the global economy is completely in our hands. 
「讓我們一起加油，一起努力，世界經濟的復甦，就靠你我是否敢於投資了。」