查理芒格投资三大原则(查理芒格的投资思想笔记五 人生经验)

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查理芒格投资三大原则(查理芒格的投资思想笔记五 人生经验)

人生经验

人生很丰富,投资只是其中的一部分,即使对于职业投资人而言,也是如此。婚姻、健康、人际、职业、兴趣……如果人们能够在这些方面处理得当,并充满幸福感,那么这反过来很可能使他们在从事投资或其他工作方面拥有良好的心态。心态不但会影响人们的想法,还会影响人们的行为及决策。芒格已经90多岁了,他在生活中始终洋溢着满满的幸福感。听听他的人生经验,一定会让每个人受用终生。

让自己配得上

要得到你想要的某样东西,最可靠的办法是让你自己配得上它。

The best way to get a good spouse is to deserve a goodspouse.

理性

保持理性是一种道德律令。在不该犯傻的时候千万别犯傻。

Being rational is a moral imperative. You should neverbe stupider than you need to be.

过度消费

莫扎特被疯狂毁掉的一生就是一个很好的例子。由于拥有无与伦比的天赋,所以他取得的成就足以傲视群雄,然而从一开始,他的生活就过得相当悲惨。他的一生都是在入不敷出中度过的,这让他痛苦不堪。

Mozart is a good example of a life ruined bynuttiness. His achievement wasn't diminished—he may well have had the bestinnate musical talent ever—but from the start, he was pretty miserable. Heoverspent his income his entire life—that will make you miserable.

兴趣是成功的基石

在我不感兴趣的领域,我从未获得过太大的成功。如果你无论如何都不能对某些事情产生兴趣,那么即使你非常聪明,你也很难获得大的成功。

I have never succeeded very much in anything in whichI was not very interested. If you can't somehow find yourself very interestedin something, I don't think you'll succeed very much, even if you're fairlysmart.

珍惜生活

抵抗衰老的最佳措施就是在老之前好好生活。

The best armor of old age is a well-spent lifepreceding it.

完美的婚姻

在婚姻中,你不应该去寻找具有良好的外貌和性格的伴侣。你需要放低自己的期望去寻找伴侣。

In marriage, you shouldn't look for someone with goodlooks and character. You look for someone with low expectations.

人生的幸福

有人曾经问过我,在生活中谁对我的个人幸福贡献最大,我说:“这很简单,就是我妻子的第一任丈夫。”

They once asked me what one person accounted for mostof my personal felicity in life, and I said, "That's easy—that would be my wife's first husband."

健康

我想吃就吃,没有忌口。我从来没在意过我的健康,也从来没做过任何我不想做的锻炼。如果说我有什么成就的话,那主要是由于我坚持深入思考……而有些人认为通过慢跑或其他运动更能使他们进步,能给他们带来力量。

I eat whatever I want to eat. I have never paid anyattention to my health. I've never done any exercise I didn't want to do. Ifany success has come to me, it came because I insisted on thinking thingsthrough…all these people who think they are going to get ahead by jogging orsomething, more power to them.

职业选择

职业生涯的三条规则:1.不要销售你自己都不愿意买的东西;2.不要为你不尊重和不欣赏的人工作;3.只和你喜欢的人一起工作。

Three rules for a career: 1. Don't sell anything youwouldn't buy yourself; 2. Don't work for anyone you don't respect and admire;3. Work only with people you enjoy.

人际交往

文明的最高形式就是形成一种充满强烈信任感的无缝网络——不需要什么流程,只是可靠的人彼此互相信任……在你自己的生活中,你也会同样渴望有这样充满信任的无缝网络。如果你的婚姻协议写了满满47页纸,那么我建议你还是不要结婚了。

The highest form that civilization can reach is aseamless web of deserved trust—not much procedure, just totally reliable peoplecorrectly trusting one another……In your own life what you want is a seamlessweb of deserved trust. And if your proposed marriage contract has forty-sevenpages, I suggest you not enter.

与信任的人打交道

噢,与自己信任的人打交道,并让其他人远离你的生活,这种方法很有用。它应该被视为人生指南……聪明的人会避开那些像老鼠药一样的人,毕竟生活中这类人太多了!

Oh, it's just so useful dealing with people you cantrust and getting all the others the hell out of your life. It ought to betaught as a catechism…. But wise people want to avoid other people who are justtotal rat poison, and there are a lot of them.

映像

我喜欢你,皆因你让我想起了自己。谁会不喜欢被他自己的形象凝视呢?

I like you all because you remind me of myself. Whodoesn't like his own image staring back at him?

正直

记住路易斯·文森蒂的规则:“讲实话,你就无需时刻想着自己说过的那些谎言。”

Remember Louis Vincenti's rule: "Tell the truth,and you won't have to remember your lies."

与人为善

在我还很小的时候,我得到了最好的法律经验。我曾经问过我的父亲,身为律师的他为什么不为其最好的朋友格兰特·麦克费登做事,反而为一个爱吹牛的傻瓜做那么多事。父亲回复道:“被你称为吹牛大王的那个人可是一座经常陷入法律纠纷的富矿;而麦克费登能迅速地处理问题,同时待人友善,因此很少会遇到法律麻烦。”

The best legal experience I ever got was when I wasvery young. I asked my father why he did so much work for a big blowhard, anoverreaching jerk, rather than for his best friend Grant McFadden. He said,"That man you call a blowhard is a walking bonanza of legal troubles,whereas Grant McFadden, who fixes problems promptly and is nice, hardlygenerates any legal work at all."

赞扬的力量

在得到心理学家称之为强化的力量时,所有人都会工作得更好。如果能持续得到回报,即使巴菲特也会有所反应。请牢记这一点,通过对你身边的人进行正面强化来找寻成功之路。

All human beings work better when they get whatpsychologists call reinforcement. If you get constant rewards, even if you'reWarren Buffett, you'll respond…. Learn from this and find out how to prosper byreinforcing the people who are close to you.

坚强的意志

当你面对一场难以置信的灾难时,永远不要因为意志崩溃而让一场灾难演变成两场,甚至三场。

You should never, when faced with one unbelievabletragedy, let one tragedy increase into two or three because of a failure ofwill.

无意义的虚名

长期来看,伟大文明被超越并最终黯然失色的概率是100%。因此,你应该明白文明是如何走向衰落的。

Over the long term, the eclipse rate of greatcivilizations being overtaken is 100%. So you know how it's going to end.

抱怨解决不了问题

生活总是以某种方式伤害某人,又以某种方式帮助他人。面对生活中的打击,每个人都应该积极应对。男子汉就应该这样,坦然地面对生活中的不如意。别总是抱怨,也别指望靠抱怨来解决问题。

Life is always going to hurt some people in some waysand help others. There should be more willingness to take the blows of life asthey fall. That's what manhood is, taking life as it falls. Not whining all thetime and trying to fix it by whining.

无压力的生活

随着年龄的增长,我变得越来越富有经验。我好像这样一个人:他从摩天大楼往下跳,在下降到第五层楼的时候说:“到目前为止,这是一段不错的旅程。”

I'm getting more experienced at aging. I'm like theman who jumped off the skyscraper and at the 5th floor on the way down says,"So far this is not a bad ride."

财富的诅咒

如果你已经投资巴菲特有40年了,那么即便他对你已经不再有用了,你也没有抱怨的权力。

If you get Warren Buffett for 40 years and the bastardfinally dies on you, you don't really have a right to complain.

克制荒唐欲望

如果你担心通货膨胀,又不需要太多的物品,那么最有效的保护措施之一就是,在生活中你不能有太多荒唐的需求。

One of the great defenses—if you're worried aboutinflation—is not to have a lot of silly needs in your life—if you don't need alot of material goods.

做一个愚蠢的乐观主义者

花费时间去担忧无法处理的事情是没用的。如果你在管理资金时总是感到会有可怕的事情发生,那么我建议,你在余生中可以选择做一个愚蠢的乐观主义者。

I don't think it's terribly constructive to spend yourtime worrying about things you can't fix. As long as when you are managing yourmoney you recognize that a terrible thing is going to happen, in the rest ofyour life you can be a foolish optimist.

羡慕

嗯,羡慕和妒忌是十诫中的两诫吗?对于抚养过孩子、办过学校、经营过一家律师事务所或投资银行的人来说,你们知道羡慕意味着什么吗?我曾听巴菲特说起过很多次:“推动世界前进的不是贪婪,而是羡慕。”

Well, envy and jealousy made, what, two out of the TenCommandments? Those of you who have raised children you know about envy, ortried to run a law firm or investment bank or even a faculty? I've heard Warrensay a half a dozen times, "It's not greed that drives the world, butenvy."

别自欺欺人

密歇根音乐学院的肯达尔院长曾告诉过我一则故事。肯达尔小时候曾负责经营一个糖果小摊。其父亲看到他吃了摊子上的一块糖。肯达尔说:“您别担心,我会再新添一块的。”其父亲说:“这种思维方式会毁了你。如果每次你把自己想要的东西全都拿走,并直接承认自己是贼,这对你来说可能会更好。”

Dean Kendall of the University of Michigan musicschool once told me a story: When I was a little boy, I was put in charge of alittle retail operation that included candy. My father saw me take a piece ofcandy and eat it. I said, "Don't worry. I intend to replace it." Myfather said, "That sort of thinking will ruin your mind. It will be muchbetter for you if you take all you want and call yourself a thief every timeyou do it."

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