This book is said to be one of the "Wordless Heavenly Books" left by Guiguzi's master, Qingyan Zhenren. This book was first passed down to Guiguzi, who then passed it on to Ji Ran and Fan Li (the God of Wealth). Ye) and Lu Buwei, Bai Gui (Shang Sheng) and others. It is said that those who skillfully use this book will be rich all over the world.

This book is annotated by Fan Li.

1. Ming Road

Ji Ran said: "In life, there is nothing to capitalize on except wealth. Property management has permanence. How can we make profits without business."

[Translation]? In life, survival and development cannot be achieved without property. The operation of property follows inherent laws. It will not automatically increase in value, and there will be no profit without doing business.

Fan Li's note: "Wealth is the source of life. How can people live without it? If they don't know how to operate it, it will be easily eaten up. We must let it go in business so that the common people can make profits. This is a way to support ourselves."

[Translation]? Property is the source of nourishing life and the foundation of survival. How can people live without property? But if you don't master the management methods, then these assets will be consumed bit by bit like silkworms eating mulberry leaves. Therefore, property must be used to engage in commercial activities in order to obtain profits and grow property like life. This is the strategy for everyone to settle down and start a business.

2. Good at planning

Ji Ran said: "Wealth is addicted to people's love, and those who take it with righteousness are eager. Profits arise from everyone's struggle, and those who are greedy join forces."

[Translation]? Money is immersed in the common love of the world, and people who can obtain money from a moral standpoint are rare in the world. Profits are obtained through the competition among everyone. There are many people who are greedy and greedy for money.

Fan Li's note: "Wealth is a barbaric thing, even a baby knows it. Love is obtained by competition with many people, which leads to loss of one's body and morality, forgetting shame and being humiliated, but one is willing to accept no insult." There are very few people in the world who know what is right and do not act greedily."

[Translation]? Money can travel anywhere, even in the remote south and north where ethnic minorities live. Babies and small children also understand. It is precisely because of the fanatical love for money that people are chasing money one after another and taking it by force. As a result, some people have abandoned their own principles, lost their morals, forgotten their shame, and even been insulted by others, but they are still willing to have no regrets. It can be seen from this that there are very few people in the world who can understand morality deeply, keep oneself in peace, be satisfied with the status quo, and do not have any improper thoughts or greedy thoughts.

3. Knowing people

Ji Ran said: "Everyone is human, greedy and honest. The heart is not the heart, and it is difficult to know the truth and falsehood."

[Translation ]? Everyone looks the same on the surface, and it is impossible to tell whether a person is greedy or honest from the surface. The heart is very different from heart to heart, but it is also difficult to judge whether it is true or false.

Fan Li's note: "People don't care about money, and they don't know each other for a long time. They only look at each other with facial expressions and words, but don't realize that they are loyal, treacherous, and greedy for profit. We must try to deal with them with money and silk. When you are in trouble, you will know the person's heart in detail."

[Translation]? If there is no property exchange and interest relationship between people, and there is no long-term sincere relationship between people, but only the expressions on their faces. If you meet each other and talk with each other in shallow language, you will not be able to tell whether this person is loyal and honest or treacherous and deceitful, and whether he is greedy for profit, only caring about the present, and perfunctory. We must use money and silk to tempt this person, or get along with this person in times of trouble, and then we can know in detail what this person's heart is like.

4. Forming momentum

Ji Ran said: "Handover is not human, even if it is worthless, it can be said to exist."

[Translation]? Communication, contact And the person who entrusts you, if you choose improperly, then even if you have ten thousand gold, you cannot call it rich.

Fan Li's note: "Friends and associates are not only rich, but also have a lot of wealth. I am high to those who are high, and low to those who are low. Just like the shape, good and bad. Therefore, if you make friends with bad people and lead me to bad things, even if all your money is easy to lose, it is safe to say that you are safe.” The circulation of money is also related to your own family, property and other aspects. If I associate with noble and elegant people, then I am also noble and elegant. If I associate with humble and despicable people, then I will also be humble and despicable. It is like looking into a mirror. Beauty or ugliness depends on the person looking in the mirror. If the people I associate with and get to know are not good, kind and honest people, then I will be led into a bad situation. No matter how much money I have, it will be easily wasted. How can I still say that I have money?

5. Actuarial Science

Ji Ran said: "If you are not frugal and have no pity, you will walk like a star. If you are frugal and pity, you will have no worries about wind and rain."

[Translation] If you don’t save or cherish your money, you will endure the hard work of walking under the stars and the moon, climbing mountains and wading in rivers. Those who can increase the value of their property and keep it will be worth it even if they go through the hard work of braving wind and rain and sailing across the ocean.

Fan Li's note: "As a merchant, I climbed mountains and crossed rivers at dawn and night. The small profits I needed came from fear and hard work. If you don't save money and love, what's the use of working in the canal."

"

[Translation]? As a businessman who travels around, getting up early and returning late, traveling across mountains and rivers, the little profit he gets comes from the fear and hardship he endures. If you don't save and cherish your money, Then all hard work will be of no benefit.

6. Promote kindness

Ji Ran said: “Kindness can bring blessings. "

[Translation]? Being kind and kind to others can make you happy.

Fan Li's note: "If it is said that a charitable person is blessed with happiness, this is also conjecture. For example, if your charitable intentions are upright, your actions are dignified, and your actions are not unreasonable, you will gain more peace and happiness. ”

[Translation]? Some people say that those who are charitable to others hope that they can get the happiness given by God. This statement is unfounded. Because the motivation of those who are charitable is Upright, his behavior is dignified, and his actions will not go astray. Therefore, such people will mostly obtain a kind of smooth blessing.

7. Catching opportunities

Ji Ran said: "Praise him for his huge sum of money, but secretly threaten this person. I am very sincere and want to ridicule my guest. No goods available for customers. If you don't take the account, you have to wait for someone. The buyer talks privately, and if the money is not deducted, the account will definitely be charged. "

[Translation] When discussing business, bragging about how much money other people have is to secretly put pressure on the other party. Saying that other people are honest and trustworthy in an envious tone is consciously ridiculing the other party. When merchants arrive, they are surprised. If you don’t bring any goods, you are either asking for payment or waiting for someone else. The buyer must be negotiating and talking with the middleman privately, and there must be a secret transaction, or a kickback, or making a fuss about the account.

Fan Li's note: "To praise this guest for his large goods and many goods makes this guest unable to feel at ease, which is a hidden threat. If you talk to me about the loyalty of others, it will definitely mean that you are mean to me. If a guest comes empty-handed and has no goods, he must wait for relatives and friends instead of asking the host's house for payment. The owner secretly communicated with the buyer, fearing that he would deduct money from me to make up for the old debt, otherwise the price of the goods would rise. They agreed behind the scenes and hid the price from me. "

[Translation]? The purpose of bragging to current merchants about other merchants' large capital and large quantities of goods is to make this merchant unstable and calm, so as to secretly threaten me. Talking about other people's loyalty and kindness to me will definitely It means that I am being mean. If a merchant comes without any goods, he either asks for payment from the host or comes here to wait for relatives and friends. If the middleman negotiates secretly with the buyer, he must be careful. If there are old accounts that have not been settled, my payment will be withheld as collateral and compensation; if not, the price of the goods will suddenly increase, and they will negotiate in secret to hide these prices from me!

8. Make it happen! Field

Ji Ran said: "Shi is small and exquisite, but he is more important. The facade is ostentatious and ostentatious, but it is doubtful that it is empty inside. If you act boldly, nine times out of ten you will be in danger. "

[Translation]? Being careful and dexterous in doing things, and not working on the margins, proves that he is rich internally. On the surface, he is extravagant, famous, and ostentatious, but he must be careful, because he is very internally. It may be an empty show. There are many merchants who take risks because the other party acts in a flamboyant and powerful manner. There are nine out of ten dangers in doing so.

Fan Li commented: "The scale of work is small and it is not appropriate." The main purpose is to show off the facade, but it is actually substantial. Putting on big airs and making false claims, there are many false ideas in it. When the guest saw that he was acting like a charlatan, he entrusted his property boldly without any doubts. The value of the goods was ruined, and the burden was worth tens of thousands of gold. How could he be so careless about doing so? "

[Translation]? People who like to put on big airs when doing things, pursue vanity, and play with publicity are mostly false in name. Merchants often see middlemen acting in a pretentious and airy manner, so they sell their goods Entrust it to him very boldly, without any doubts or considerations. If something goes wrong, you will lose more than a lot of money. From this point of view, how can you be careless because of the pretentiousness of the middleman?

9. , Zicheng

Ji Ran said: "At any rate, don't be sarcastic, and you have to use your own discretion in transactions. "

[Translation]? The advantages and disadvantages of goods must not be hidden from middlemen. When doing business, you must consider and think about which is more important.

Fan Li's note: "The goods are important. If you are good or bad, tell the real agent, so that the good boss can win the sale. If you don't say anything, you hope to escape by luck, but you may make a mistake. When buying and selling, you must make your own decisions and don't let others hinder you. Qi Xing set a low price, fearing that I would make a deal, and intending to get rid of the other goods, so it is advisable to make your own decisions. ”

[Translation]? The fine and rough parts, advantages and disadvantages of the goods must be truthfully told to the broker, so that they can price and sell them based on the actual situation. If you hide these, do not tell others , I hope to sell the goods by luck, but I am afraid that I will be the one who suffers in the end. When buying and selling, I must make my own decisions, and I cannot listen to other people's obstruction, especially if someone in the same industry lowers the price to stop me. Make a deal and then take the opportunity to sell the goods. Therefore, you must consider and consider yourself when doing business.

10. Duyi

Ji Ran said: " The lower part of the teeth is not clear, and it will become useless after a long time. If you agree on the spot, there is no need to stumble when you turn around. ”

[Translation] When signing a sales and purchase agreement, if the terms of the transaction are not clearly written, you will have nothing to do if the other party does not fulfill the agreement after a period of time.

If you say yes or make a commitment on the spot, there is no use in hesitating later.

Fan Li's note: "When making a transaction, the price must be clearly stated. If the price is unclear and the teeth are unclear, there will be confusion and competition in the account. Whether the transaction is allowed or not depends on the time. , after the deal has been concluded, turning around and complaining is not a gentleman's friendship."

[Translation] When doing business, when making a deal, you must clearly explain the price, discount and other issues. If you blindly pursue a deal and allow all terms to be unclear, confusion will inevitably occur when payment and accounts are cleared, and some people will default on their accounts, leading to unnecessary disputes. Whether a sale is concluded and whether a transaction is carried out must be decided at that time and place. After reaching an agreement, hesitating and lingering, or privately sighing and complaining, is not the way for a gentleman to make friends or do business.

11. Harmony with the world

Ji Ran said: "Harmony can lead to the world, and frugality can manage the family."

[Translation]? Treating people in harmony is a way of life. The way a person conducts himself in the world; living a frugal life can make a person's family business prosperous and prosperous.

Fan Li’s note: “The harmonious nature of the heart will lead to the regulation of Qi and blood, the harmonious Qi and blood will prevent diseases, and the harmonious flesh and blood will prevent war. If people are harmonious, there will be no strife, if the family is harmonious, the road will be prosperous, and if the country is harmonious, the country will be strong. , If the world is in harmony, then all nations will be at peace. ”

[Translation]? If a person’s mind is peaceful, then the power and blood that maintains his life can operate according to their original laws. If the Qi and blood are smooth, all diseases will be avoided. If the bones and flesh are harmonious, the body will be fine. If a person can treat others in harmony, then he will not have disputes with others; if a family can live in harmony, then the family business will surely prosper; if the people of a country can live in harmony, then the entire country will prosper; if all countries in the world can live in harmony, If there is peace, then there will be a peaceful and tranquil scene within the four seas.

12. Observe the rules

Ji Ran said: "To love oneself, one must abide by the law and keep it in peace."

[Translation]? If a person cherishes If you want to keep your property, you should abide by the current laws and regulations; if a person wants to keep his property, the key is to maintain a stable and peaceful mind.

Fan Li's note: "Ask for humiliation not to befall you, abide by the law in everything, keep everything without losing it, and abstain from delusions and greed."

[Translation]? I hope humiliation will not come to you. body, then legal and ethical norms should be followed when dealing with anything. If you want to protect your property from losses, you should abandon all unrealistic fantasies, greed and undue extravagant demands for wealth.

Thirteen. Shen Qi

Ji Ran said: "Don't buy cheap goods. Don't buy things that are dissipated."

[Translation]? Don't buy cheap goods. , Do not accept things brought by profligate people.

Fan Li's note: "If you want to buy a genuine object, you must first pay a deposit and then ask for it. It seems to be a rare thing, but if the price is too low, it is not a fake, the origin may be unknown, and the clothes are not funeral clothes. That is to say, stealing stolen goods. Those who are traveling should stop customers from buying stolen goods, so as not to cause trouble in the future. If they are not the ones entrusted by Baifan, they will steal goods and rely on the owner's family to steal goods. Don't be careless. If you have no roots and no protection, you must not accept it, and don't be cowardly. If you take it by yourself, you must be careful and don't treat it like a friend."

[Translation] ]? If you want to buy goods that are of legitimate origin and of good quality, you must first pay a partial deposit before you can request to take them away. It seems to be a rare item. If you just buy it because the price is very cheap, then the goods are either fake or shoddy, or they may have come from improper sources. If the clothes are not funeral clothes worn by the dead, they must be stolen goods. As a middleman, we must prevent merchants from purchasing these goods to avoid future troubles. When the master goes on a trip, all the household affairs are entrusted to the servant. If the servant is not a good person, the stolen money will be collectively claimed as belonging to the master's family. Or some people will steal the property and sell it when the master is away. Therefore, when purchasing goods, Can't be careless. If the seller has no basis and no guarantor, then he must not accept it, nor can he encourage or encourage the transaction to be completed. If a merchant behaves strangely and always seems to be hiding in a dark place, then you must be careful and do not confide in such a person.

. Good intentions may lead to misunderstandings. ”

[Translation] There are very few people who understand the hearts of others with their own hearts; they can repay others with good deeds that can accumulate kindness. Kind people are relatively rare. Trying to repay kindness with despicable behavior is like trying to cross the sea by carrying a mountain. It is impossible to achieve. You may have good intentions to help others when they are in need, but in the end, you may fall into the trap of others mistaking others and confusing right and wrong.

Fan Li's note: "When a guest joins the host, the guest is beneficial to you. His sincerity and virtue are unparalleled. But the host cannot understand his heart and intrudes on the object, which is a violation of his good intentions. It is bad. Although the manager wants to repay the client's kindness, he has failed in his behavior and cannot convince others. He has only the intention but not the ability to listen. When the client sees that the owner's family is in dire straits and there are debts and lawsuits, he should be merciful and rescue him. , just for the sake of current urgency, they return to being cunning and teasing. The so-called kindness turns into resentment.

”

[Translation]? There are merchants coming here, which actually brings great benefits. Moreover, the merchants are honest, trustworthy and of high moral character. If the host does not doubt, he can get a lot of benefits. But If the host cannot understand the merchant's heart and ends up violating the merchant's original intention, this will extremely hurt and betray the merchant's good intentions. Although the brokers, middlemen, etc. whose reputation has been ruined want to repay the merchant's kindness in their hearts, their behavior will not be correct. His behavior was already indebted and he could not convince others. He had the heart to repay the favor but had no ability to act. The merchants saw the decline of the host and became increasingly difficult. The debts had accumulated to the point where they were sued to the government and might even be imprisoned. With kindness and compassion, the host wants to save and help the merchant, but the host cannot understand the merchant's heart and only cares about immediate interests and solves urgent needs. Instead, he acts arbitrarily, plays tricks, bullies, restrains, and obstructs the merchant. This is what people think. It is said that giving too much kindness has turned into enmity.

15. Support

Ji Ran said: "The people who are in trouble cannot be helped, and they are like drowning." Still available. "

[Translation]? Gloomy and negative people are not worth supporting; people who occasionally stumble, like people who suddenly fall into the water, can be helped.

Fan Li's Notes "Those who have no plans and ambitions will never be able to support those who have inherited the foundation of their grandfather and cannibalized it all. If you have always been capable and accomplished, but occasionally encounter misfortune and lose all your money and family, it will relapse in the future. ”

[Translation]? People who do not know how to plan, do not make plans, and have no ambitions inherit the inheritance left by their ancestors and live in vain little by little. Such people are definitely not worthy of support. If People who are usually very capable and talented suddenly encounter unexpected disasters, lose their capital, and become bankrupt. Such people will become prosperous again in the future, so they can be helped.

16. Zangfeng<. /p>

Ji Ran said: "Don't show your silk when you meet others, and you should also hide money wherever you go. "

[Translation] Don't show your money when you meet others outside. Even when you are alone, you should hide your money.

Fan Li's note: "Go ashore by boat and stay in a hotel. If you are traveling wildly, you should carefully collect the money and silk you wear. Take advantage of spending money and stay out less. If you are not careful, if someone sees the exposed silk, you will have evil intentions, lose your life and spend money, probably because of this. If you have money at home and your relatives and friends see it and ask for a loan, not only will you not be able to refuse, but if you refuse, it will open up a gap between them. There is a lot of money now, so you will buy everything you encounter. Be frugal and have plenty, be frugal and spend money. As for once you are poor and embarrassed, it is difficult to find friends and difficult to find a wife. Why don't you always save it? Don't let your heart wander, and don't dazzle people's eyes. If you are sincere, it is better to hide your wealth. ”

[Translation]? When taking a boat ashore, staying in a hotel, or traveling in the wild, the money you carry must be carefully collected. The required transportation, travel expenses, expenses, etc. can be Leave a small amount outside. If you are not careful and the money is exposed outside and is seen by bad people, and you start to do evil, then you will lose your life and property. If you live at home and have money, If you don't hide it well and are seen by relatives and friends, it is very likely that someone will come to borrow money and ask for help. Not only will it be impossible to refuse, but if you refuse, you will definitely arouse the resentment of others and breed conflicts between you if the money is not arranged. When you are poor and embarrassed, it is very difficult to ask your friends for help, and it is not easy to ask your wife for help. So why? Why don't you save some? Don't let your heart indulge and don't show off. This is a very reasonable experience! p> Ji Ran said: "If you are poor, it is easy to defend; if you are dull, you will lose your normalcy." "

[Translation] When you are in trouble, don't change your principles of life; when the time is not ripe or the future is near, don't give up your usual ambitions.

Fan Li's note: "Those who are clean and pure will not change their will even if they are in great embarrassment, and they will become greedy. Those who are determined to make progress may be blunted by the times, unable to give up, and lose their original qualities. It would be a pity if Gou changes his original intention and all his previous efforts are wasted. ”

[Translation] ?A person with good conduct and integrity, even if he encounters an extremely embarrassing situation, cannot change his principles of life and become a person who loves money. A person with high ambitions, If a proactive person encounters unfavorable circumstances, he should not give up and abandon his usual ambitions. If he changes his original principles or ambitions, it will be a pity.

18. Prevention

Ji Ran said: “Those who worry first will have no worries; those who take precautions will not have any. ”

[Translation]? Those who worry about imminent danger before others do, will no longer worry when the danger comes; those who have taken preventive measures before the danger comes. , when danger comes, there will be nothing to worry about.

Fan Li said: "Everything should be prepared for the future, so that there will be no surprises. All disasters should be prevented before they occur, so that the disaster will not be serious. If you are ignorant, you will be in great danger; if you are calm and unprepared, you will be in serious trouble. As the saying goes: "Build a dam before the water comes." This is what it means. "

[Translation]? Everything should be prepared before it happens, so that once it happens, you will not be at a loss.

Whenever there is a danger, preventive measures must be taken before it occurs. Then, when a crisis occurs, the damage caused must be the least. If you know nothing about what is about to happen, then the damage that could have been avoided or reduced will be magnified; if you know clearly but do not take any measures and allow it to happen and develop, things that could have been faced calmly will appear urgent. . As the saying goes: "Dike should be built before the flood comes." This is the truth.

19. Know the market

Ji Ran said: "A prophet of ups and downs is called a good hand. Those who have good foresight can be called a wise man."

[Translation]: A person who can predict the rise and fall of commodity prices can be called an expert. A person who can figure out what others cannot figure out and foresee what others cannot see can be called a wise person.

Fan Li's note: "As a guest, you can know whether the goods are going well or not, and you can know the price will rise and fall, but you have a certain opinion in advance. This is true sophistication."

[Translation]? Whether as a middleman or as a merchant, a person who can predict whether the goods will be popular or unsaleable, can foresee whether the price of goods will rise or fall, and thus have a definite view and corresponding strategy in advance, is a real person. Mature connoisseur.

20. Clever losses

Ji Ran said: "Benefits come from losses."

[Translation]? Benefits always come from losses.

Fan Li's note: "If you don't suffer from chaos, you don't know the hardships; if you don't experience the humiliation, you don't know how to retreat. Those who know the hardships will compete in things and work hard. Those who know how to retreat will review and then act. There is nothing wrong with it. Therefore, those who are in prison are tired of lawsuits, and those who are in danger are timid. They suddenly enter the official position, use their own strengths to show off their differences, and wait until Jinfei is frustrated, then they remain silent and cautious."

[Translation]? If a person has never experienced the situation of displacement, he will not understand the hardships of life; if a person has not experienced frustration and humiliation, then he will not know how to take a step back and reflect when encountering problems. . Only when a person knows the hardships of life can he work conscientiously, dare not slack off, and do everything well. If a person knows how to give in and reflect, he will consider things carefully before executing them. Then, the problems encountered will be properly solved. Therefore, people who have been in jail are tired of litigating with others; people who have experienced mistakes in high mountains will be timid when talking about mountain climbing. However, there are some people who suddenly achieve success or enter official career for the first time. They pursue the limelight and rely on their own strengths to show off their strength in front of others. It is not until they suffer setbacks that they learn to speak less and act cautiously.

21. Incentives and inducements

Ji Ran said: "If you are a powerful person, you should make a knot with your heart. If you don't have money and are a charlatan, you should use benefits."

< p> [Translation]? For powerful people, we should communicate with each other attentively and cultivate mutual feelings. And for people who have no money, such as middlemen, you should give them some benefits to make friends.

Fan Li's note: "Eunuchs and heroic agents have money in their hands. It is difficult to fight with them. They must be honest with their hearts and give preferential treatment. Don't talk nonsense. Each other will repay me more fairly. If you are poor and distressed, Lord, support each other in everything and benefit others, so that if you show kindness to me, things may not be in vain."

[Translation]? A person who is an official or a very rich, powerful, generous and outstanding agent. Once money is in their hands, it will be difficult to compete with them. You must make friends with them sincerely and treat them as generously as possible. Don't open your mouth easily and talk nonsense. Then the other party will definitely treat them equally and fairly. Come treat me. If the other person is a poor, embarrassed, or difficult person, I should help and support him in everything, and think about him and benefit him. Then he will definitely miss my kindness and be grateful for my kindness, which will definitely be good for me.

Twenty-two, time by hour

Ji Ran said: "It is better to have cash than not to know the opportunity. If you keep the money, you will make mistakes."

[Translation ]? It is much better to receive cash than not knowing how to seize the opportunity. Holding the goods but refusing to sell them often ends up delaying yourself.

Fan Li's note: "When the goods arrive, they will eventually have to be sold. If you see cash, you will reluctantly increase the price. If you are too stubborn, or if you listen to other people's criticism, you will miss the opportunity and end up buying a dormitory with no regrets." And, it would be a waste to have no ship. "

[Translation]? When the goods arrive at the place where they are to be sold, they must be sold. If someone is willing to pay with cash, the seller must increase the price, which is very important. Being stubborn, or listening to other people's opinions, misses a great opportunity in vain, and finally causes the goods to be shelved, and it is too late to regret. This is like the helpless emotion after losing the opportunity to cross the river.

Twenty-three, long-term friendship

Ji Ran said: "Hospitality does not want to change hosts frequently, but good teeth are willing to give up the original intention."

[Translation] ? A good businessman will never change trading partners or cooperation partners frequently, and a smart middleman will never let down the original friendship.

Fan Li's note: "As long as the friendship lasts, the love becomes stronger, which is a gentleman. If you are kind in the morning and hate in the evening, you are a villain. If the guest has the heart to support, the host has no intention of repaying the favor. Many guests are old and rude. The master is Mei Xindong, the Zhang family is now Lidian, and there is no fixed master in the years, so the effect is not strong, and it is difficult to repay the country. "

[Translation]? The time of communication. The longer the relationship lasts, the deeper the friendship will be. This is what a gentleman should do.

It is the behavior of villains to receive favors from others but immediately become enemies and enemies. Since the merchants have shown help and support, how come the other party has no idea of ??repaying and being helpful? Many businessmen often belittle their original partners and praise their new partners. Yesterday they became friends with the Zhang family, and today they form an alliance with the Li family. If there is no fixed partner for cooperation in a year, then his intention to cooperate must not be reliable. It's so difficult to make him serve like a loyal guard!

24. Accumulation of kindness

Ji Ran said: "Accumulation of kindness will lead to prosperity, accumulation of resentment will lead to destruction."

[Translation]? Extensively extend kindness. Being kind to others will make one's career prosper, but being grudged against others will lead to destruction.

Fan Li's note: "How can it be said that Dou Yujun and Feng Shang are as kind as Dou Yujun and Feng Shang, who are generous in helping everyone, which is beyond the reach of others. But when things happen, they can speak conveniently, give favors without any expense, or ask for loans when they are poor and embarrassed. , to help the general, not to break through obstacles; to see a person on the wrong path and take a dangerous path, to give him a warning; or to help a person avoid disaster, without any effort or expense, this is kindness. ”

[Translation]? To accumulate kindness does not necessarily mean to give charity widely and help everyone like Dou Yujun and Feng Shang, because not everyone has the ability to do so. In fact, kindness is more reflected in some small things: such as saying one or two words to facilitate others at critical moments; giving others some benefits without charging a fee; or standing up to help a poor and distressed person when he sees them begging for help. Achieve the source instead of hindering or destroying it; when you see someone going the wrong way and are in danger, guide that person out of the predicament; advise others to avoid disaster. These practices will not waste your own financial resources, but they will benefit others. This is giving kindness.

Twenty-five, know what to do

Ji Ran said: "If you don’t know, don’t buy; if you know what to do, don’t go."

[Translation]? Unclear, no Never buy familiar goods; after becoming an expert in an industry, don't leave easily.

Fan Li’s note: “In the past, I was used to doing business, and I am accustomed to the goods. Although the profits are small, or you may not come across them, you must not throw them away easily and change your psychology. When you enter another industry, you may not be fully aware of the authenticity of the goods, and the value of the goods. It is difficult to predict the price, and it will overturn the money. However, as a customer and seller, you stick to your business."

[Translation]? It is a familiar business, although the profit is small. No matter whether there is an opportunity or not, don't give it up easily and switch to other businesses. If you suddenly switch to another industry, it may not be possible to fully identify the authenticity of the goods, and it is difficult to judge or predict the value of the goods. All of these may lead to the loss of all capital. It can be seen from this that as a merchant or a person who sells goods, he should engage in the industry he is familiar with dutifully.

26. Decentralization

Ji Ran said: "If you start a business in partnership, you should choose those who are capable. If you work separately, you can trust those who are worthy."

[Translation]? When opening a shop or running a business in partnership, you should choose the most capable person to lead it. Appropriate division of labor, each performing his or her duties, and selecting the most suitable person to take charge.

Fan Li's note: "If there are several people in a business, the guests should choose those who are kind and honest, and those who can do things. It will be the same in the future if they join the same group. Lunbao is like robbing, alone. Regardless of whether brothers, uncles or nephews start a business together, if they take turns to take charge of the affairs, everyone should care about making money for themselves, and refuse to give in to others. If the guest comes again, who will fall into his hands? If you open a business alone, you will still be able to plan for the next year. You should be lenient in order to take care of your appearance."

[Translation]? If several people jointly open a shop, they should choose the most powerful person to entrust the capital. The most capable person is responsible for entrusting all matters, big and small, even if everyone is separated in the future, this should be done. Whether brothers or uncles and nephews jointly open a shop, if they take turns taking charge according to the year, then everyone will only think about making money for themselves, and will not do their best for everyone, nor will they try to deal well with middlemen and customers. After signing the contract, regular customers come back and don’t know whose turn it is to take charge. From this point of view, if a partnership takes turns to manage things, it is better to open a store alone, so that you can still take care of the business for the next year, be generous and courteous in everything, and take into account your own goodwill and credit.

Twenty-seven. Make the best of your talents

Ji Ran said: "Teach according to your talents without losing them. Act according to your ability and avoid mistakes."

[Translation ]? Granting appropriate things to others according to their abilities and talents will not fail. Do what you can according to the strengths of others and yourself, and avoid making too many mistakes.

Fan Li's note: "Between passengers and goods, and capital to build a company, you should first examine the person and see how capable he is. It is better to have a big talent but a small one than to use a small talent for a big one. If the talent is not suitable for the job, it will be done. Failure. If you don't have enough strength, you will fall. A servant of the family will be able to use his talent. "

[Translation]? Merchant handed over the goods. When intermediaries entrust capital to partners, they should observe their behavior in advance to see how well their abilities have been honed. Putting capable people into simple jobs won't do much harm, but putting incompetent people into complex jobs will make them incompetent, which will inevitably lead to loss of money and business failure. Domestic servants, servants, etc. must also be used according to their abilities. If they are allowed to do things beyond their capabilities, they will only fail to succeed and fail.