农行手机银行怎么解锁:【励志】 带来巨额财富的神奇公式

带来巨额财富的神奇公式                  （拿破仑·希尔）
《思考与致富》
自序
A WORD FROM THE AUTHOR
这以后的每一章都会提到赚钱的秘诀，遵循它的指引，已产生出成百上千的巨富，
赚进了无数的钱财。许久以来，这些富商巨贾一直是我详尽分析的对象。
In every chapter of this book,mention has been made of the money-making secret which
has made fortunes for hundreds of exceedingly wealthy men whom I have carefully
analyzed over a long period of years.
50 多年前，卡内基先生最先让我注意到这个致富秘诀。当时我还只不过是个男孩
子，这位精明干练而慈祥的苏格兰老人，却满不在乎地把这个诀窍抛入我脑海，然
后就背靠着座椅，眼中闪烁着快乐的光芒，留神地看我到底有没有足够的智力去
领会他所有的含意。
The secret was brought to my attention by Andrew Carnegie, more than half a century
ago. The canny, lovable old Scotsman carelessly tossed it into my mind, when I was but a
boy. Then be sat back in his chair, with a merry twinkle in his eyes, and watched
carefully to see if I had brains enough to understand the full significance of what he had
said to me.
他发现到我拿握住了他的观念，就又问我，愿不愿意花上幼年或者更多年的时间，
让自己成一点气候，再将这则窍门公诸于世，让原本可能终其一生碌碌无为的男男
女女皆可因此受惠?我说我愿意。于是，在卡内基先生的协助下，我一直信守着当
时的承诺。
When he saw that I bad grasped the idea. he asked if I would be willing to spend twenty
years or more preparing myself to take it to the would, to men and women who, without
the secret, might go through life as failures. I said I would, and with Mr. Carnegie's
cooperation, I have kept my promise.
书中这则绝妙上策已有上千人屡试不爽，这些人遍及社会的各个阶层。卡内基先生
当初的用意是，对于为他带来巨额财富的这则神奇公式，应该让没有闲暇探究生财
之道的人，也能垂手可得。他也希望我能在不同行业的男女身上，验征这则公式究
竟靠不靠得住。他认为这则公式应该在所有的公立院校传授。他更表示，如果讲授
得宜，这个法则足以引发整个教育体系的彻底改革，大家可因此少花一半的时间在
学校的课程上。
This book contains the secret, after having been put to a practical test by thousands of
people, in almost every walk of life. It was Mr. Carnegie's idea that the magic formula,
which gave him a stupendous fortune, ought to be placed within reach of people who do
not have time to investigate how men make money, and it was his hope that I might test
and demonstrate the soundnes s of the formula through the experience of men and women
in every calling. He believed the formula should be taught in all public schools and
colleges, and expressed the opinion that if it were properly taught it would so
revolutionize the entire educational system that the time spent in school could be reduced
to less than half.
在讨论信心的那一章里，你会读到美国钢铁公司令人惊讶的建构史。原因在于，一
手孕育缔造这则传奇故事的人，便是卡内基先生亲自调教出来的诸多年轻人中的一
员，借着这些年轻人的成绩，卡内基先生证明了这则窍门“对那些已准备就绪的人
来说”都会有效。史库韦伯运用了这则秘诀一次，就为自己赚进了大把钞票，并赢
得数不完的机会。这次的运筹惟惧，少说也值6 亿美金。
In the chapter on Faith, you will read the astounding story of the organization of the giant
United States Steel Corporation, as it was conceived and carried out by one of the young
men through whom Mr. Carnegie proved that his formula will work for all who are ready
for it. This single application of the secret, by Charles M. Schwab, made him a huge
fortune in both money and opportunity. Roughly speaking, this particular application of
the formula was worth six hundred million dollars.
这些事实是每一个认识卡内基先生的人都耳熟能详的。上述的实例可以让你大略了
解到， “只要你知道自己要的是什么”，这本书便可以为你罗致什么。
These facts--and they are facts well known to almost everyone who knew Mr.
Carnegie--give you a fair idea of what the reading of this book may bring to you,
provided you know what it is that you want.
这个秘诀已传授给上千名男女，正如卡内基先生所预期的，这些男女将这个原则运
用在自身的利害关系上，其中一些人发了财，有些则成功地营造了家庭的和乐融洽。
有位传教士因为运用此诀得当，年收入高达7．5 万美元，并且有增无减呢!
The secret was passed on to thousands of men and women who have used it for their
personal benefit as Mr. Carnegie planned that they should. Some have made fortunes
with it. Other have used it successfully in creating harmony in their homes. A clergyman
used it so effectively that it brought him an income of upwards of $75,OOO a year.
辛辛那提的一位裁缝师亚瑟·纳斯扭他濒临破产的事业拿来当作“实验用白鼠”，想
看看这个法则灵不灵光，结果他的事业又起死回生，并因此发了大财。虽然亚瑟·纳
斯先生已去世，这家公司还是欣欣向荣。这次的实验简直无可比拟，报章杂志争
相传诵的溢美之辞，为公司免费打了价值逾百万美元的广告。
Arthur Nash, a Cincinnati tailor, used his near-bankrupt business as a "guinea pig" on
which to test the formula. The business came to life and made a fortune for its owners. It
is still thriving, although Mr. Nash has gone. The experiment was so unique that
newspapers and magazines gave it more than a million dollars' worth of laudatory
publicity.
这个诀窍也被魏尔所得知。当时他住在德州的达拉斯，而且他万事俱各，只欠东风，
于是一口气辞了职，改行学法律。他成功了吗?这个故事本书中就会提到。
The secret was passed on to Stuart Austin Wier, of Dallas, Texas. He was ready for it--so
ready that he gave up his profession and studied law. Did he succeed? That story is told,
too.
我在拉萨尔推广大学当宣传经理时，该校才刚草创不久，规模粗具，我有幸得以眼
见校长查别林善用这个公式，而使该校投济身全美的大型推广院校之列。我所指的
这个秘诀，将在书里前前后后提到不下百次。这则公式并没有支截了当的名称，因
为不命名似乎比较灵验，那些一切皆已就绪、正在四下摸索的人仍可以俯拾皆得。
所以当初卡内基先生传授这个概念给我时，也没跟我讲到什么特别的名称，只是悄
悄传递了一个概念给我罢了。
While serving as advertising manager of the LaSalle Extension University, when it was
little more than a name, I had the privilege of seeing J. G. Chapline, president of the
university, use the formula so effectively that he made LaSalle one of the great extension
schools of the country.The secret to which I refer has been mentioned no fewer than a
hundred times throughout this book. It has not been directly named, for it seems to work
more successfully when it is merely uncovered and left in sight, where those who are
ready, and searching for it, may pick it up. That is why Mr. Carnegie tossed it to me so
quietly, without giving me its specific name.
如果你已准备好，要把这个公式派上用场，在本书的每一章里，你至少可以找到一
次这则窍门。我很希望我能亲自告诉你如何运用这个秘诀，但是你用自己的方法去
找答案，受用会更大。
If you are ready to put it to use, you will recognize this secret at least once in every
chapter. I wish I might feel privileged to tell you how you will know if you are ready, but
that would deprive you of much of the benefit yon will receive when you make the
discovery in your own way.
如果你曾经气馁挫败过，如果你曾竭尽心力熬过图厄，如果你曾很努力却失败了，
如果你因病痛导致行动不便，本书可能正是你遍寻不看的荒漠甘泉。
If you have ever been discouraged. if you have had difficulties to surmount which took
the very soul out of you, if you have tried and failed, if you were ever handicapped by
illness or physical affection, the "story of my son's discovery and use of the Carnegie
formula may prove to be ale oasis in the Desert of Lost Hope for which you have been
searching.
第一次世界大战期间，咸尔逊总统曾大力运用本秘诀。每一位参战的士兵受训时，
都接受了不露痕迹、精心包装在训练课程里的这个秘诀，然后才到前线去作战。威
尔逊总统告诉我，在筹募作战经费时，这个秘诀也居功甚伟。
This "secret was extensively used by Resident Woodrow Wilson during World War I. It
was passed on to every soldier who fought in the war, carefully wrapped in the training
received before going to the front. President Wilson told me it was a strong factor in
raising the funds needed for the war.
这个秘诀的特殊之处是，一旦展现在已得知它、使用它的人身上，他们旋即一一致
富。如果你心存怀疑，每当我提到某些人的名字，你就可以去研究一下这些曾运用
此道的人；你可以亲自去查明求征，然后你就会心服口服。
A peculiar thing about this secret is that those who once acaerie it and use it, find
themselves literally swept on to success. If you doubt this, study the names of those who
have used it, wherever they have been mentioned; check their records for yourself, and be
convinced.
天下是没有不劳而获这回事的
!
There is no such thing as something for nothing!
我提出的这个秘诀，是要付出代价才能取得的，但是它物超所值太多了。对那些不
曾刻意手觅成功诀窍的人来说，花再大代价，也学不来这个窍门。这个公式既不能
免费奉送，也不能用金钱买卖，因为这个秘诀分为两个部分。其中一部分，是那
些一切就绪的人身上原已具备的。 The secret to which I refer cannot be had without a
price, although the price is far less than its value. It cannot be had at any price by those
who are not intentionally searching for it.it cannot be given away, it cannot be purchased
for money, for the reason that it comes in two parts. One part is already in possession of
those who are ready for it.
对所有准备就绪的人来说，这则诀窍的效力是不会因人而异的。这个成功法则和教
育程度一点关系也没有。早在我呱呱坠地之前许久，爱迪生即巳坐事这个成功要诀，
并且加以发扬光大，使自己成为世界首屈一指的发明大师，而他只上过3 个月的学
校。
The secret serves equally well all who are ready for it. Education has nothing to do with it.
Long before I was born, the secret had found its way into the possession of Thomas A.
Edison, and he used it so intelligently that he became the world's leading inventor,
although he had but three months of schooling.
爱迪生的事业伙伴艾德温·巴纳斯也颇请此道。虽然他当时的年收入仅有1．2 万美
元，他仍迅速累积了一大笔财富，而且以壮年之姿功成身退，隐身于繁忙的幕前作
业之后。你将会在第一章开头就读到他的传奇。你一定会发现，成功并非遥不可
及，你仍然可以成为自己所向往的人物，名和利、幸福和认同一切近在眼前，只要
心态正确，下定决心的人都可以得享这个福分。
The secret was passed on to Edwin C. Bames, a business associate of Mr. Edison. He
used it so effectively that, although he was then making only $12,OOO a year, he
accumulated a great fortune, and retired from active business while still a young man.
You will find his story at the beginning of the first chapter. It should convince you that
riches are not beyond your reach, that you can still be what yon wish to be, that money,
fame, recognition and happiness can be had by all who are ready and determined to have
these blessings.
我是怎么跟这些福分结缘的?你还没读完这本书就可能找到答案了。也可能才读了
开宗明义的第一章，你就已恍然大悟，也可能读完最后一页，你才开窍。
How do I know these things? You should have the answer before you finish this book.
You may find it in the very first chapter, or on the last page.
我应卡内基先生的请求，做这20 年研究工作期间，分析过不下数百位士绅名援，
他们多半承认，巨额的财富皆是借助卡内基的秘诀才得以累聚，其中有：
While I was performing the twenty-year task of research. chick I had undertaken at
Mr.Carnegie's request I analyzed hundreds of well-known men, many of whom admitted
that they had accuntulated their vast fortunes through the aid of the Carnegie secret;
among these men were:
亨利·福特 HENRY FORD(美国汽车大亨
)
詹姆士·希尔 JAMES J. HILL(美国铁路巨子
)
乔治·伊士曼 GEORGE EASTMAN(彩色冲印专家、美国实业家及慈善家
)
约翰·洛克菲勒 JOHN D. ROCKEFELLER(美国石油大王
)
托马斯·爱迪生 THOMAS A. EDISON(美国发明家
)
伍德罗·威尔逊 WOODROW WILSON(美国第28 任总统
)
西奥多·罗斯福(美国总统
)
詹宁士·柏班克(美国参议员及园艺家
)
威廉·柏莱思 WILLIAM JENNIGS BRAYA(美国政治家及律师，曾三度为美国总
统
候选人
)
亚历山大·贝尔傅士 DR.ALEXANDER GRAHAM BELL(电话发明者
)
威尔伯·莱特(飞机发明者
)
这些人名代表的只不过是一小部分，足以征明知晓卡内基法则的知名人士岂只数
百，他们在理财方面和其他方面的成就，皆因了解并且运用了卡内基法则而获致，
并随即攀上人生的高峰。时至今日，我也还没见过有谁灵机既动、且运用了该秘
诀之后，却没有在自己选定的行业里大放异彩的。’我也从未目睹有哪一个人，能
够在这些条件尚未完全的情形下，累积到什么财富，或是能自己鹤立鸡群的。由这
两个事实，我下定结论，这则要诀法门，比一般人所受的任何教育都来得重要，这
个秘诀高招是任何一位想委下定决心的人都不可或缺的认知。教育究竟是什么?这
个问题我会详加解答。
These names represent but a small fraction of the hundreds of well-known Americans
whose achievements, financial and otherwise, prove that those who understand and apply
the Carnegie secret reach high stations in life. I have never known anyone who was
inspired to use the secret who did not achieve noteworthy success in his chosen calling. I
have never known any person to distinguish himself, or to accumulate riches of any
consequence, without possession of the secret. From these two facts I draw the
conclusion that the secret is more important as a part of the knowledge essential for
self-determination, than any which one receives through what is popularly known as
"education." What is education anyway? This has been answered in full detail.
读这本书的时候，我所提出的这则法门必会跃然纸上，活脱脱横陈在你眼前，只要
你一切就绪，一旦纵身跃出，你就会辨识出它来。不论你是在第一章还是在最后一
章里，接收到了它出现的讯号，都要停顿一下，拿个玻璃酒杯来倒立，因为这个
场面标示眷你这一生中最重要的转折点。
Somewhere, as you read, the secret to which I refer will jump from the page and stand
boldly before you, if you are ready for it! When it appears, you win recognize it. Whether
you receive the sign in the first or the last chapter, stop for a moment when it presents
itself, and turn down a glass, for that occasion will mark the most important turning-point
of your life.
你读这本书时务必要牢记，这本书讨论的是真人真事，而非凭空杜撰的子虚乌有，
本书的目的是要昭告世人，凭着一则放诸四海皆准的真理，所有一切就绪的人都可
以学到该“做什么”和该“怎么做”!所有打点妥当的人，都可以在这本书中找到成功
所不可或缺的鼓舞和鞭策。
Remember, too, as you go through the book, that it deals with facts and not with fiction
its purpose being to convey a great universal truth through which an who the ready may
learn what to do and how to do it! They will also receive the needed stimulus to make a
start.
你开始读第一章之前，我再为你加把动，一句简短的提示，可以帮助你迅即指认出
卡内基秘诀为何物。这句话就是： “所有的成就，所有挣来的财富，源头都只是在
一念之间!”如果你已准备就绪，你的因缘大抵已俱足了；所以，其余的那部分映
现在你脑海时，你理当可以随即掌握住。
As a final word of preparation, before you begin the first chapter, may I offer one brief
suggestion which may provide a clue by which the Carnegie secret may be recognized? It
is this--all achievement, all earned riches, have their beginning in an idea! If you are
ready for the secret you already possess one half of it;therefore,you will readily recognize
the other half the moment reaches your mind
拿破仑·希尔
NAPOLEON HILL
看看你的智商和理解力：找到答案了吗？？？？？？
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