Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.

拿古代的情况作标准来看今天的事情，这是对今天不正确的看法；拿今天的情况要求古人，这是不正确的历史观。此言时代不同，社会情况就会不同，因此考察古今，论定古今人物或事件，都不能持相同的标准，而必须结合不同情势具体对待。