事业 · 创业者自述
P.T. 巴纳姆：奋斗与胜利·补录 661
P.T. 巴纳姆《奋斗与胜利》· Struggles and Triumphs · 领导
As already stated, my insurance was but $40,000, while the collection, at the lowest estimate, was worth $400,000, and as my premium was five per cent I had paid the insurance companies more than they returned to me. When the fire occurred, my summer pantomime season had just begun and the Museum was doing an immensely profitable business. My first impulse, after reckoning up my losses, was to retire from active life and from all business occupation beyond what my large real estate interests in Bridgeport, and my property in New York would compel. I felt that I had still a competence and that after a most active and busy life, at fifty-five years, I was entitled to retirement, to comparative rest for the remainder of my days. I called on my old friend, the editor of the _Tribune_, for advice on the subject.
出处：
https://www.gutenberg.org/ebooks/50115
定位：Additional excerpt 661 · 核对日期：2026-10-19 · 核验：短摘录
白话
巴纳姆说，他的保险只有4万美元，而藏品最低估值40万美元，保费已付了5%，付给保险公司的钱比赔回来的还多。火灾时夏季哑剧季刚开始，博物馆生意极好。他算完损失后第一反应是退休，靠布里奇波特和纽约的房产安度晚年，毕竟55岁，有权休息。他去找《论坛报》的老编辑朋友商量。这提醒我们，保险要足额，别因小失大；同时，重大损失后先冷静评估，再决定进退，别冲动放弃。
上下文
巴纳姆在自传中回忆博物馆火灾后的财务与心理状态，当时他55岁。
今日一问
你的资产保险是否足额？如果遭遇重大损失，你会先算账还是先做情绪决定？
公版传记；原文逐字取自 Project Gutenberg，仅摘录段落并附全书链接。
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