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My two cents
Very good comments by Prof. Chen.|
A couple of comments regarding Cheng4209’s version:
Re: Whether a man is wise or not. “or not” is not necessary, as Prof. Chen already pointed out, because “whether” already implies “or not”.
Re: Ethnic code. This is a typo; it should be ethic伦理/道德, not ethnic民族.
I also have the following comments and suggestions regarding Prof. Chen’s version:
The way (how) one does things often reflects their wisdom. It is also a way to success to borrow other’s wisdom for one’s own goal.
Using “also” for 也是 is not appropriate because there was no mention of other ways to success before this point. “Also” can mislead readers into believing that the previous sentence talked about the alternatives. In fact, “also” is not even needed because “a way to success” implies there are other ways to achieve success. In addition, combining the two parts into one sentence in the English version would make it more coherent.
How one does things often reflects their wisdom, and borrowing other’s wisdom for one’s own benefit is one way of achieving success.
My other comments and suggestions in brackets:
Take Liubei (Liu Bei, 把Liu Bei写成一个字要打屁股), the Emperor of the Shu Han Kingdom in China’s Three Kingdom Period (220-280), for example. As a matter of fact (this part is not necessary), Liu was much less learned than his Prime Minister Zhuge Liang and his martial arts (fighting skills) were obviously inferior to his generals such as Guan Yu or Zhang Fei. (Liu was neither the scholar his Prime Minister, Zhuge Liang was, nor the fighters his generals, Guan Yu and Zhang Fei were). However, he possessed a unique strong point: his capacity in coordinating the people under him, thus he was able (hence his ability) to attract those fine people to serve him. Therefore, we can see, anyone who is good at discovering other’s talent and make (making) it serve oneself can often find a way to success. Besides (borrowing) wisdom, reasonably (rationally “合理”在这里是有理性的意思，所以用rational 更恰当) borrowing other’s wealth is also an ingenious way to success.
Daniel Lovello (Ludwig), an American billionaire, was still a poor nobody at forty. After muddling along without any success for decades, he suddenly became discerning and came to a great apprehension (realization, apprehension means fear/worry/hesitation. Long, long, time ago apprehension meant understanding): he discovered a way of making a fortune by borrowing others’ money (by using borrowed money). First he persuaded the bank to give him a loan. Then with the money he thus borrowed (Then with that borrowed money) he bought a cargo ship, which he remolded (converted/refitted, perhaps remodeled. A ship can’t be remolded like a piece of plastic) into an oil tanker and rented (chartered原文：包租) out. He then got a second loan form (from) the bank by mortgaging that tanker and bought another cargo ship, which he also remolded (see above) into an oil tanker and rented out. In the years (that) followed, Lovello repeated this practice time and again and saw his business grow bigger and bigger.
The following paragraph contains some errors that deserve special analysis:
Then Lovello hit upon a (an even) smarter idea of borrowing money (making money using borrowed money原文：借钱赚钱): he hired someone to design a ship for him. (a full stop here is not appropriate, as it denotes the end of the smart idea) At the same time he found a shipping company to lease his new ship to (to which he would charter 原文：包租 his new ship) even before the keel of the ship was assembled (laid, a keel is a large beam around which the hull of a ship is built. The keel is laid, not assembled, in the middle of the ship, from the bow to the stern.) Then, only by mortgaging this still non-existing (non-existent/yet-to-be-built) ship was he able to borrow the money from the bank to start the actual building of the ship (very different from the source text原文：洛维洛拿着该公司与他签定的合同，并以未来的租金为抵押到银行里贷来款子建造这首船see my comment below). A few years later he repaid the loan and its due interest and the ship became his own. But (“but” is not necessary) strictly speaking (in the strict sense), Lovello had never spent a cent of his own.
Note the sentence structure:
Only by doing X was he able to do Y. 只有做了X，他才达到Y。（Ｘ是关键，没有Ｘ就没有Ｙ）
This is very different from:
By doing X only, he was able to do Y. 他只做了X, 便达到了Y。（仅以Ｘ的代价达到了Ｙ）
“…only by mortgaging this still non-existing ship was he able to borrow the money from the bank…” 的意思是：只有抵押了那艘还没建造的船他才得到了银行贷款（他为了得到贷款被迫抵押了那艘船）。而原意应该是：他仅仅用那艘还没建造的船作抵押就得到了贷款。所以英文应该是 by mortgaging … only, he was able to…。另外，“并以未来的租金为抵押”这句话没译出来。
My suggestion based on the above translation and comments:
Then Ludwig took the art of making money using borrowed money to a new level: he hired someone to design a ship for him, and before the keel was even laid, found a shipping company that would charter the new ship. With the ship’s charter contract in his hand, and by assigning the charter fees to the bank, he was able to borrow the money from the bank to start the actual building of the ship. A few years later he repaid the loan and its interest, thus owning the ship free and clear. Strictly speaking, Ludwig didn’t spend a single cent of his own.
Finally, the last paragraph:
When one lacks “capital” to success, it is all right for them to borrow such capital—either financial (capital) or intellectual (capital) ---to achieve one’s success on the premise that such borrowing does not violet (sic) laws or run counter to moral principles.
Re: “capital” to success原文：成功的“本钱”。 这里应该翻译为“capital” for success 或“capital” to succeed.
Re: Violet紫罗兰/紫色的. This is a typo, violate违反.
When one lacks the “capital” for success, it is all right for them to borrow such capital—whether the financial or the intellectual kind --- to bring about one’s success, on the premise that such borrowing does not violate laws or run counter to moral principles.
Hindsight - Ludwig coined the term OPM (other people's money), so in hindsight OPM should have been used in cases where 借钱发财/借钱赚钱 were mentioned.