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Don’t ever buy an investment on the phone ? 千萬不要在電話中進(jìn)行投資 ? Don’t invest unless you can stand to lose it all ? 除非你可以接受全部損失,否則不要進(jìn)行投資 ? Don’t use a financial planner who sells investments ? 不要採用銷售投資產(chǎn)品的財務(wù)顧問 ? Don’t pay minimum balances on credit cards ? 不要只付信用卡的最低付款金額 ? Don’t invest in a mutual fund with a new manager ? 不要與新的負(fù)責(zé)人投資共同基金 ? Don’t let market movements motivate your decisions ? 不要讓市場波動影響你投資的決定 Do’s and Don’ts 要與不要 ? Do invest for the long term ? 要做長期的投資 ? Do match your investments to your time horizon ? 要以時間為考量進(jìn)行投資 ? Do ask your bank to lower the interest rate on your credit card accounts ? 要要求你的銀行降低信用卡利率 ? Do pay your future as your first “bill” every month ? 每個月要將你的未來當(dāng)作你的第一筆帳單投資 ? Do have realistic expectations。 no get rich quick schemes ? 要具備實際的期望,不要做快速致富的計劃 ? Do save at least 10 percent of your takehome pay each month ? 每月至少要儲存你收入的 10% Secret 8: Multimillionaires live frugally, beneath their means 秘訣 8: 相較於所得,千萬富翁過著儉樸的生活 New money is loud and showy。 Wealth is silent and understated 暴發(fā)戶愛招搖炫耀;真正的有錢人卻默默耕耘不張揚(yáng) (The farmer amp。 the Hollywood promoter) (農(nóng)夫與好萊塢創(chuàng)辦人 ) Secret 9:Selfmade multimillionaires maximize their time and resources 秘訣 9:白手起家的千萬富翁將時間及資源增加到最大限度 They focus on goalachieving, more than tensionrelieving activities 與放鬆壓力相比,他們更專注於達(dá)成目標(biāo) First things, First 要事第一 ? Emergency fund (3 to 6 months ine) ? 緊急基金 (3 至 6 個月的收入 ) ? Life insurance ? 壽險 ? Disability ine insurance ? 失能保險 ? Health insurance ? 健保 ? Reduce debt first, then invest ? 減少負(fù)債第一,投資其次 ? Define financial security goals in advance ? 預(yù)先定義財務(wù)保障 Start Living in Prime Time 開始活在黃金時段 Stop watching others making money having fun in their professions 停止看著其他專業(yè)人士賺錢享樂 Secret 10: Be a free agent。 get money working so you can stop working! 秘訣 10:做個自由工作者,努力賺錢好讓你不用再工作! Every multimillionaire I know advises me to stop trading hours for dollars. 我知道的每個千萬富翁都建議我停止以時間換取金錢 Secret 11: Patience and persistence 秘訣 11:耐心和毅力 Overnight Success is a Myth 一夕間成功是個神話 ? Failure is the fertilizer of success ? 失敗為成功之母 ? Failures are learning experiences and target corrections ? 失敗是經(jīng)驗的學(xué)習(xí)及目標(biāo)的修正 ? Most multimillionaires are made after the age of 50 ? 大多數(shù)的巨富都是在 50 歲以後才成功 ? Even in the new technology world, most multimillionaires are over 40 ? 即使在新科技世界,大多數(shù)巨富還是超過 40 歲 ? Some of the world’s greatest contributions have e from individuals over 60 ? 世界上某些龐大的貢獻(xiàn)是來自超過 60 歲的個人 Secret 12: Life is not a treasure hunt。 Life itself is the treasure! 秘訣 12: 生活不是尋寶活動;生活本身就是寶藏! What the Pharaohs never learned 法老王從未學(xué)得的事 ? Standard of Living is how you spend the money you have saved ? 生活水準(zhǔn)是你花費儲蓄的方式 ? Quality of Life is how you spend the time you can never save ? 生活品質(zhì)是你花費無法節(jié)省時間的方式 ? You don’t own property or possessions. You are only a temporary caretaker. ? 你並未擁有資產(chǎn)或財產(chǎn)。你只是個暫時的管理人。 EXPANDING YOUR MISSION 擴(kuò)展你的任務(wù) ? What trends will change your assumptions and the way you perform in your profession and at home? ? 什麼趨勢將改變你的假設(shè)及你在工作場合及家裡表現(xiàn)的方式? ? How can you be more effective and efficient? ? 你如何能夠更有效率? ? How can you be more innovative? ? 你如何能夠更創(chuàng)新? ? What new knowledge and skills will you need in the new century? ? 在新的世紀(jì),你將需要什麼新知識和技能? ? What do you enjoy that you would like to do more? ? 做什麼事會讓你樂在其中並且想做得更多? SELFDIMENSION 自我特質(zhì) POWER MULTIPLIES ONLY WHEN IT IS SHARED 力量只有在分享時才會加倍 Action Tips 行動訣竅 ? Look at yourself through the eyes of others ? 從他人的角度看自己 ? Ask more questions and lecture less ? 多問問題,少發(fā)表高見 ? Listen unconditionally to others ? 無條件的傾聽 ? Show enthusiasm about others’ interests ? 對他人的興趣展現(xiàn)熱誠 ? A touch is worth a thousand words ? 觸碰勝過千言萬語 ? Being there in person is the ultimate act of expressing value ? 身體力行是表現(xiàn)價值觀的終極行動