股神巴菲特的十大致富秘籍 揭秘成功真諦

　　Today I had lunch at Jimmy John's and noticed a sign on the wall that showed Warren Buffet's list of 10 Rules. I was so moved by it that I had to change tables in the middle of my sandwich just to get a closer look. Is it any wonder that he is one of the richest men in the world?

　　今天我在吉姆約翰餐廳吃中飯，注意到墻上寫的“股神巴菲特十大致富秘籍”。我真是被那些規則觸動了，三明治吃到一半，我特意換了桌子離它近點兒好看清楚。(了解之後)我想不會有人質疑為什麼他會是全世界最富有的人。

    1. Reinvest your profits. 把你現有的財富做再投資

　　"Even a small sum can turn into great wealth," Schroeder writes, if you're disciplined to not touch your profits. Let the power of compound interest work for you.

　　就像史諾德寫到過的那樣：“再小的資金也能變成大財富”——只要你管好自己不亂花賺來的錢。要讓複利(compound interest)幫你賺錢。

　　小編注：什麼是複利？

　　指利息計算的基礎是本金加先前累積的利息，與單利相對，後者指利息只以初始本金為計算基礎。“按年複利”(compounding annually)是指當年利息只在一年結束時一次性納入下一年的計息基礎。例如，如果存入100英鎊，年利率為10%，那麼一年後可獲得110英鎊。如果按單利方式計算，兩年後可獲得120英鎊，三年後則是130英鎊，而複利計算則將上年的利息亦納入計息基礎，即兩年後可得121英鎊，三年後則是 133.10英鎊。相對於單利方式，三年後額外的3.10英鎊利息即是複利作用的結果。

　　2. Be willing to be different. 要願意與眾不同。

　　Don't follow the herd. Do what is best for you and your situation.

　　把自己區別於蕓蕓眾生。做對自己和自己的處境有利的事兒。

　　3. Never suck your thumb. 永遠都別吮手指。

　　Ah, how I could learn from this one. Buffett makes decisions quickly based on the available information. I tend to sit and stew about things. Acting decisively can give you an advantage and prevent procrastination.

　　額……這個該如何理解呢？巴菲特會根據已有的信息很快做出決定。我則傾向於坐下來、好好把事情理清楚。果斷地做決定能夠給你優勢位置、並避免耽擱事情。

　　4. Spell out the deal before you start. 在做交易以前一定要搞明白了。

　　I stress this all the time: Don't sign a contract unless you've read it (especially not a mortgage). Read the fine print. Understand the what you're getting yourself into.

　　我成天為這事兒煩呢：在簽合同以前一定要好好讀清楚（特別當合同不是分期付款時）。條款一點一點讀清楚，要知道自己正要做什麼。