We begin this New Year with dampened enthusiasm and dented optimism.
我们在信心不足和不够乐观中，迎来了新的一年。

Our happiness is diluted and our peace is threatened by the financial illness that has infected our families, organizations and nations. Everyone is desperate to find a remedy that will cure their financial illness and help them recover their financial health.
我们的快乐被冲淡了，我们的安宁也被金融危机破坏了，这次风暴也影响了我们的家庭，组织和国家。 每个人都急于找到补救办法，使其金融方面的疾病能够得到治愈，并回复良好健康的发展。

They expect the financial experts to provide them with remedies, forgetting the fact that it is these experts who created this financial mess.
他们期待的金融专家为他们提供补救措施，忘了一个事实，即正是这些专家是创造了这次金融危机。

Every new year, I adopt a couple of old maxims as my beacons to guide my future. This self-prescribed therapy has ensured that with each passing year, I grow wiser and not older. This year, I invite you to tap into the financial wisdom of our elders along with me, and become financially wiser.
每个新年，我都使用几个老格言作为我的座右铭，以指导自己的未来。这种自我激励的方法确保在过去的每一年中，我变得更聪明而不是变老。今年，我邀请您和我一起，来欣赏一些我们前辈有关金融方面的智慧，以使我们这方面也变的更聪明一点。

Hard work：All hard work brings profit; but mere talk leads only to poverty.
努力工作：诸般勤劳，都有益处。嘴上多言，乃致穷乏。（天道酬勤）

Laziness： Sleeping lobster is carried away by the water current.
懒惰：沉睡的龙虾被流水冲走。

Earnings：Never depend on a single source of income.
收益：不能依靠单一的收入来源。

Spending：If you buy things you don't need, you'll soon sell things you need.
消费：如果你买不需要的东西，你就会很快卖掉你所需要的东西。

Savings：Don't save what is left after spending; spend what is left after saving.
储蓄：不要花完了再去存剩下的，而是要存完了才去花剩下的。

Borrowings: The borrower becomes the lender's slave.
借款：借钱的人会成为借给你钱的人的奴隶

Accounting：It's no use carrying an umbrella, if your shoes are leaking.
清算帐目：如果你的鞋子漏水，带伞是没有用的。

Auditing：Beware of little expenses; a small leak can sink a large ship.
审计：谨防小的开支，一个小的漏洞可以使一艘大的轮船沉没。

Risk-taking：Never test the depth of the river with both feet.
冒险：切勿同时用双脚测试河的深度。

Investment：Don't put all your eggs in one basket.
投资：不要把所有的鸡蛋放在一个篮子里。

I'm certain that those who have already been practicing these principles remain financially healthy. I'm equally confident that those who resolve to start practicing these principles will quickly regain their financial health.
我确信，那些能按照这些原则去做的人财政会是健康的。我同样相信，决心开始做到这些原则的人将很快恢复其财务健康状况。

Let us become wiser and lead a happy, healthy, prosperous and peaceful life.
让我们变得聪明和过上一个幸福，健康，繁荣与和平的生活。

Warren Buffet
沃伦·巴菲特

Opportunities are never lost. The other fellow takes that you miss.
机会从不会失去的，别人会把你错过的拿走