{"id":6728,"date":"2023-05-16T14:04:28","date_gmt":"2023-05-16T21:04:28","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=6728"},"modified":"2025-05-05T11:02:35","modified_gmt":"2025-05-05T18:02:35","slug":"fomo","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/fomo.html","title":{"rendered":"FOMO"},"content":{"rendered":"<p><strong><em>FOMO, The Ship Has Sailed, nh\u00e0 c\u1eeda\u2026 Th\u1eddi nay\u2026<\/em><\/strong><\/p>\n<ul>\n<li><em>FOMO: Fear Of Missing Out. S\u1ee3 m\u1ea5t \u0103n.<\/em><\/li>\n<li><em>The Ship Has Sailed: \u0110\u00e3 l\u1ee1 chuy\u1ebfn \u0111\u00f2, M\u1ea5t \u0103n r\u1ed3i.<\/em><\/li>\n<\/ul>\n<p><em>H\u00f4m nay m\u00ecnh mu\u1ed1n k\u1ec3 chuy\u1ec7n v\u1ec1 FOMO m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 ti\u1ec1n m\u1ea5t t\u1eadt mang v\u1ec1 c\u00e1i ch\u1eef n\u00e0y. Nh\u1eefng ng\u01b0\u1eddi l\u01b0\u1eddi t\u00ecm hi\u1ec3u m\u00e0 tham th\u00ec hay b\u1ecb FOMO.<\/em><\/p>\n<p><em>N\u0103m 2006, nh\u00e0 c\u1eeda l\u00ean v\u00f9 v\u00f9 tr\u00ean thung l\u0169ng hoa v\u00e0ng. M\u00ecnh m\u1edbi l\u1ea5y v\u1ee3, \u0111\u1ebb con, tr\u1ea3 n\u1ee3 c\u0169 v\u00e0 \u0111\u1ec3 d\u00e0nh ti\u1ec1n mua c\u0103n nh\u00e0 cho gia \u0111\u00ecnh \u1edf. Nh\u1eefng anh b\u00e1n nh\u00e0 m\u00ecnh quen c\u1ee9 d\u1ee5c m\u00ecnh ph\u1ea3i mua l\u1eb9, bid up, ch\u1ee9 kh\u00f4ng s\u1ebd l\u00ean kinh ho\u00e0ng v\u00e0 m\u00ecnh s\u1ebd kh\u00f4ng bao gi\u1edd c\u00f3 nh\u00e0. Nh\u1eefng ng\u01b0\u1eddi n\u00e0y qu\u00ean l\u00e0 m\u00ecnh \u0111\u00e3 mua b\u00e1n nh\u00e0 t\u1eeb n\u0103m 1980 v\u00e0 m\u00ecnh \u0111\u00e3 bi\u1ebft l\u00e0m to\u00e1n v\u00e0 kinh t\u1ebf M\u1ef9 nh\u01b0 th\u1ebf n\u00e0o, m\u00ecnh n\u00f3i n\u00f3 s\u1ebd crash m\u1ecdi ng\u01b0\u1eddi c\u01b0\u1eddi m\u00ecnh.<\/em><\/p>\n<p><em>M\u1ed9t c\u00e1i kinh ho\u00e0ng n\u1eefa l\u00e0 nh\u1eefng ng\u01b0\u1eddi m\u00ecnh quen kh\u00f4ng \u0111\u1ee7 ti\u1ec1n \u0111\u1ea7u t\u01b0 v\u00e0o nh\u00e0 \u1edf SJ, \u0111i ra t\u1eadn khu \u0111\u00e8o heo h\u00fat gi\u00f3 \u0111\u1ec3 mua nh\u00e0 m\u1edbi v\u00ec n\u00f3 s\u1ebd l\u00ean kinh ho\u00e0ng v\u00e0 ki\u1ebfm c\u1ea3 t\u1ef7. H\u1ecd h\u00e0ng m\u00ecnh c\u0169ng c\u00f3 ng\u01b0\u1eddi ch\u1ea1y v\u1ed9i ra m\u1ed9t khu ch\u01b0a bao gi\u1edd nghe ti\u1ebfng Newman, mua m\u1ed9t c\u0103n nh\u00e0 m\u1edbi 2500 sf, m\u1edbi tinh $350k, v\u1ec1 khoe r\u1ed1i r\u00edt, v\u1eeba mua xong gi\u00e1 \u0111\u00e3 l\u00ean $50k v\u00ec c\u00e1i phase m\u1edbi \u0111\u00e3 l\u00ean gi\u00e1. C\u00e1i kinh ho\u00e0ng c\u1ee7a ng\u01b0\u1eddi m\u00f9 l\u00e0 nh\u01b0 th\u1ebf n\u00e0y, nh\u00e0 ch\u00ednh th\u00ec ch\u01b0a c\u00f3 m\u00e0 \u0111i mua nh\u00e0 \u0111\u1ea7u t\u01b0, \u1edf tr\u1ecd nh\u00e0 nh\u01b0 x\u00f3m \u1edf VN. M\u00ecnh b\u00e8n \u0111i v\u00e0o internet v\u00e0 ki\u1ebfm c\u00e1i th\u00e0nh ph\u1ed1 n\u00e0y zipcode v\u00e0 y nh\u01b0 m\u00ecnh ngh\u0129, average income c\u1ee7a c\u1ea3 city l\u00e0 $10k m\u1ed9t n\u0103m. Ai s\u1ebd t\u1edbi \u0111\u00e2y \u0111\u1ec3 mua tr\u00ean $350k cho m\u1ea5y ng\u01b0\u1eddi n\u00e0y \u0111\u01b0\u1ee3c l\u1eddi, ai c\u00f3 ti\u1ec1n \u1edf \u0111\u00e2y \u0111\u1ec3 qualify cho loan? C\u00f3 ng\u01b0\u1eddi ch\u1ea1y ra c\u1ea3 Merced \u0111\u1ec3 \u0111\u1ea7u t\u01b0.<span class=\"Apple-converted-space\">\u00a0 <\/span>M\u00ecnh kh\u00f4ng c\u1ea7n ph\u1ea3i k\u1ec3 th\u00eam, t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi n\u00e0y \u0111\u1ec1u sell short hay cho foreclose. Th\u00ec credit ch\u1ec9 b\u1ecb t\u1ed5n th\u01b0\u01a1ng v\u00e0i n\u0103m. Ng\u01b0\u1eddi kh\u00f4ng c\u00f3 nh\u00e0 c\u0169ng kh\u00f4n, c\u1ed1 ch\u1ecbu \u0111\u1ef1ng c\u00e1i nh\u00e0 kia cho thu\u00ea, ch\u1ea1y t\u1edbi ch\u1ea1y lui c\u1ea3 t\u1ef7 miles n\u00f3ng nh\u01b0 l\u1eeda, l\u1ea1nh nh\u01b0 tuy\u1ebft, l\u00fac ng\u01b0\u1eddi thu\u00ea tr\u1ea3 ti\u1ec1n, l\u00fac kh\u00f4ng cho t\u1edbi l\u00fac nh\u00e0 r\u1edbt th\u00ea th\u1ea3m mua \u0111\u01b0\u1ee3c c\u00e1i ch\u00ednh kh\u00e1 r\u1ebb, l\u00e0m loan xong xu\u00f4i m\u1edbi cho c\u00e1i nh\u00e0 kia \u0111i. S\u1ed1 ng\u01b0\u1eddi n\u00e0y c\u00f2n may m\u1eafn.<\/em><\/p>\n<p><em>C\u00f2n gia \u0111\u00ecnh m\u00ecnh th\u00ec mua \u0111\u01b0\u1ee3c m\u1ed9t c\u0103n nh\u00e0 v\u1eeba ti\u1ec1n, kh\u00f4ng ph\u1ea3i bid up m\u00e0 bid down c\u1ea3 $100k, khu th\u1eadt t\u1ed1t v\u00e0 nh\u00e0 th\u1eadt \u0111\u1eb9p, \u0111\u00fang ngh\u0129a l\u00e0 nh\u00e0 cao c\u1eeda r\u1ed9ng v\u00e0 gia \u0111\u00ecnh m\u00ecnh qu\u00e1 may m\u1eafn.<\/em><\/p>\n<p><em>M\u1ed7i l\u1ea7n m\u1ed9t hi\u1ec7n t\u01b0\u1ee3ng n\u00e0o v\u1ec1 kinh t\u1ebf m\u00e0 x\u1ea3y ra kh\u00e1c th\u01b0\u1eddng qu\u00e1 nhi\u1ec1u th\u00ec ph\u1ea3i h\u1ecfi t\u1ea1i sao v\u00e0 nh\u1eefng g\u00ec t\u1ea1o ra hi\u1ec7n t\u01b0\u1ee3ng \u0111\u00f3. Sau market crashed n\u0103m 2008, nh\u00e0 c\u1eeda b\u1eaft \u0111\u1ea7u tr\u1edf l\u1ea1i, kinh t\u1ebf b\u1eaft \u0111\u1ea7u b\u00f9ng n\u1ed5, h\u00e3ng x\u01b0\u1edfng stocks v\u1ee5t l\u00ean, ngay c\u1ea3 m\u00ecnh c\u0169ng c\u00f3 ti\u1ec1n trong stocks lu\u00f4n LOL. Nh\u00e0 b\u1eaft \u0111\u1ea7u thi\u1ebfu v\u00e0 ng\u01b0\u1eddi kh\u1eafp m\u1ecdi n\u01a1i bay v\u1ec1 \u0111\u00e2y l\u00e0m l\u01b0\u01a1ng cao \u1edf thung l\u0169ng hoa v\u00e0ng. Trong v\u00f2ng 10 n\u0103m nay, nh\u1eefng ng\u01b0\u1eddi b\u00e1n nh\u00e0 ki\u1ebfm c\u1ea3 t\u1ef7, c\u00f3 th\u1ec3 n\u00f3i cho c\u1ea3 nguy\u00ean \u0111\u1eddi s\u1ed1ng c\u00f2n l\u1ea1i m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i l\u00e0m. Multi Millionaires. Nh\u00e0 c\u1eeda \u0111\u1eaft nh\u01b0 t\u00f4m t\u01b0\u01a1i, ng\u01b0\u1eddi \u0111\u1ea7u t\u01b0, ng\u01b0\u1eddi c\u1ea7n nh\u00e0, ng\u01b0\u1eddi c\u00f3 ti\u1ec1n t\u1eeb stocks, ng\u01b0\u1eddi c\u00f3 ti\u1ec1n t\u1eeb VN v\u1ec1 SJ v\u00e0 OC mua nh\u00e0 nh\u01b0 ti\u1ec1n m\u00e3, \u0111\u1ea5u gi\u00e1 nh\u01b0 kh\u00f4ng c\u00f3 m\u1ed9t ng\u00e0y mai. Ng\u01b0\u1eddi mua nh\u00e0 $350k \u1edf khu v\u1edb v\u1ea9n, nh\u00e0 nh\u1ecf, l\u00ean li\u1ec1n $600k, c\u00f3 khu l\u00ean c\u1ea3 200% t\u1edbi c\u1ea3 tri\u1ec7u b\u1ea1c. C\u00e1i g\u00ec thay \u0111\u1ed5i, l\u01b0\u01a1ng m\u00ecnh v\u1eabn kh\u00f4ng l\u00ean t\u1edbi 20%, ai c\u00f3 ti\u1ec1n mua, ng\u01b0\u1eddi b\u1ecb FOMO v\u00ec ki\u1ebfm ti\u1ec1n qu\u00e1 d\u1ec5, flipping houses ki\u1ebfm v\u00e0i tr\u0103m ng\u00e0n d\u1ec5 d\u00e0ng, th\u1ecb tr\u01b0\u1eddng c\u1ee9 nh\u01b0 ch\u1ee3 c\u00e1. B\u00e2y gi\u1edd gi\u00e1 nh\u00e0 n\u1eb1m tr\u00ean \u0111\u1ec9nh n\u00fai vinh quang, ng\u1eebng l\u00ean v\u00e0 nh\u1eefng ng\u01b0\u1eddi ch\u01b0a mua \u0111\u01b0\u1ee3c th\u00ec ti\u1ebfc n\u00ean n\u00f3 c\u00f3 c\u00e2u \u201cThe Ship Has Sailed\u201d, \u0111\u00e3 l\u1ee1 chuy\u1ebfn \u0111\u00f2 r\u1ed3i.<span class=\"Apple-converted-space\">\u00a0<\/span><\/em><\/p>\n<p><em>B\u00e2y gi\u1edd kh\u00f4ng ph\u1ea3i bid up, nh\u01b0ng m\u00ecnh ngh\u0129 n\u0103m nay s\u1ebd l\u00e0 n\u0103m s\u1eeda so\u1ea1n cho tr\u01b0\u1ee3t tuy\u1ebft. Ph\u1ea3i l\u00e0m to\u00e1n th\u00ec m\u1edbi bi\u1ebft \u0111\u01b0\u1ee3c. D\u00e2n VN \u0111em ti\u1ec1n \u0103n h\u1ed1i l\u1ed9 c\u1ea3 t\u1ef7 qua \u0111\u00e2y \u0111\u1ea7u t\u01b0, mua r\u1ed3i, nh\u01b0ng c\u0169ng ch\u1ec9 l\u00e0 s\u1ed1 nh\u1ecf th\u00f4i. D\u00e2n c\u00f3 ti\u1ec1n stocks h\u00e3ng cho b\u00e2y gi\u1edd \u0111\u00e3 bi\u1ebfn m\u1ea5t g\u1ea7n h\u1ebft. C\u00f2n l\u1ea1i nh\u1eefng ng\u01b0\u1eddi \u0111i l\u00e0m nh\u01b0 m\u00ecnh l\u01b0\u01a1ng th\u00ec kh\u00f4ng l\u00ean, kh\u00f4ng th\u1ec3 n\u00e0o ch\u1ecbu \u0111\u01b0\u1ee3c nh\u00e0 c\u1ea3 tri\u1ec7u b\u1ea1c m\u00e0 \u1edf khu v\u1edb v\u1ea9n. Nh\u00e0 m\u00ecnh b\u00e2y gi\u1edd l\u00e0 $1.8M, \u00edt nh\u1ea5t khu m\u00ecnh average income l\u00e0 $160k m\u1ed9t n\u0103m, c\u00f2n nh\u1eefng zipcode average income ch\u1ec9 c\u00f3 $100k-$120k m\u00e0 nh\u00e0 c\u0169ng c\u1ea3 tri\u1ec7u b\u1ea1c. Nh\u00e0 th\u00ec nh\u01b0 c\u00e1i ch\u00f2i, c\u0169, nh\u1ecf khu th\u00ec kh\u00f4ng an ninh. Ai v\u00e0o \u0111\u00e2y m\u00e0 mua? Ai l\u00e0m g\u00ec c\u00f3 ti\u1ec1n m\u00e0 mua?<\/em><\/p>\n<p><em>L\u00e0m to\u00e1n:<span class=\"Apple-converted-space\">\u00a0<\/span><\/em><\/p>\n<ul>\n<li><em>M\u00ecnh l\u00e0m c\u1ea3 tr\u0103m ng\u00e0n, tr\u1ea3 thu\u1ebf \u0111\u00e0ng ho\u00e0ng, claim 0, single, b\u1ecf ti\u1ec1n v\u00e0o 401k, ESPP, m\u1ed7i hai tu\u1ea7n \u0111em v\u1ec1 $1500&#215;2 = $3k m\u1ed9t th\u00e1ng, b\u00e0 x\u00e3 c\u0169ng v\u1eady. H\u1ed3i m\u00ecnh mua nh\u00e0 $760k, down 10%, interest 6.8%, c\u1ea3 thu\u1ebf, c\u1ea3 m\u1ecdi th\u1ee9, ti\u1ec1n m\u1eb7t ra kh\u1ecfi c\u1eeda m\u1ed7i th\u00e1ng l\u00e0 $6800. L\u00fac \u0111\u00f3 m\u00ecnh kh\u00f4ng c\u00f3 ti\u1ec1n b\u1ecf 401k m\u00e0 ch\u1ec9 c\u00f3 ESPP.<span class=\"Apple-converted-space\">\u00a0<\/span><\/em><\/li>\n<li><em>B\u00e2y gi\u1edd nh\u00e0 mu\u1ed1n \u1edf khu m\u00ecnh l\u00e0 $1.8M, c\u00f2n \u1edf khu v\u1edb v\u1ea9n nh\u00e0 nh\u1ecf c\u0169ng $900k, v\u00e0 interest b\u00e2y gi\u1edd c\u0169ng 6.9% th\u00ec nh\u1eefng ng\u01b0\u1eddi mua ph\u1ea3i l\u00e0m l\u01b0\u01a1ng bao nhi\u00eau? Kh\u00f4ng \u0103n, kh\u00f4ng u\u1ed1ng? Ch\u1ec9 c\u00f3 tr\u1ed1n thu\u1ebf m\u1edbi mua \u0111\u01b0\u1ee3c th\u00f4i, m\u00e0 tr\u1ed1n thu\u1ebf th\u00ec tr\u1eddi s\u1ebd kh\u00f4ng tha sau n\u00e0y.<\/em><\/li>\n<li><em>Mua nh\u00e0 kh\u00f4ng ch\u1ec9 c\u00f3 ti\u1ec1n mortgage, c\u00f2n ti\u1ec1n thu\u1ebf \u0111\u1ea5t, insurance, ti\u1ec1n r\u00e1c, ti\u1ec1n \u0111i\u1ec7n, ti\u1ec1n n\u01b0\u1edbc, c\u1ea3 t\u1ef7 th\u1ee9 linh tinh, \u0111\u1ecdc b\u00e0i c\u0169 m\u00ecnh vi\u1ebft s\u1ebd th\u1ea5y \u0111\u1ee7 m\u1ecdi th\u1ee9 ti\u1ec1n.<span class=\"Apple-converted-space\">\u00a0<\/span><\/em><\/li>\n<li><em>Nh\u00e0 $900k &#8211; $180k (20%) @7% = $5800\/th\u00e1ng c\u1ea3 thu\u1ebf.<\/em><\/li>\n<\/ul>\n<div class=\"igallery\">\n<p style=\"text-align: center;\"><a title=\"ti\u1ec1n l\u00e3i v\u00e0 ti\u1ec1n m\u01b0\u1ee3n\" href=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_interest_sample.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-thumbnail wp-image-6732\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_interest_sample-211x112.jpg\" alt=\"interest sample\" width=\"211\" height=\"112\" \/><\/a> <a title=\"ti\u1ec1n l\u00e3i v\u00e0 ti\u1ec1n m\u01b0\u1ee3n\" href=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_interest_2_5.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-thumbnail wp-image-6731\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_interest_2_5-211x112.jpg\" alt=\"2.5% amortized table\" width=\"211\" height=\"112\" \/><\/a> <a title=\"ti\u1ec1n l\u00e3i v\u00e0 ti\u1ec1n m\u01b0\u1ee3n\" href=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_armortize_table.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-thumbnail wp-image-6730\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_armortize_table-211x112.jpg\" alt=\"6.9% amortized table\" width=\"211\" height=\"112\" srcset=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_armortize_table-211x112.jpg 211w, https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_armortize_table-300x161.jpg 300w\" sizes=\"auto, (max-width: 211px) 100vw, 211px\" \/><\/a><\/p>\n<\/div>\n<p><em>Nhi\u1ec1u ng\u01b0\u1eddi cho m\u00ecnh bi\u1ebft mu\u1ed1n mua nh\u00e0 cho b\u1ed1 m\u1eb9 c\u00f3 ch\u1ed7 \u1edf thay v\u00ec \u0111i \u1edf tr\u1ecd, cho con, to\u00e0n l\u00e0 nh\u1eefng \u00fd t\u01b0\u1edfng th\u1eadt NOBLE. N\u1ebfu kh\u00f4ng c\u00f3 ti\u1ec1n mua nh\u00e0 khu t\u1ed1t, nh\u00e0 cao c\u1eeda r\u1ed9ng th\u00ec \u0111i m\u01b0\u1edbn nh\u00e0 khu t\u1ed1t tr\u1ea3 gi\u00e1 $5k s\u1ebd r\u1ea5t \u0111\u1eb9p v\u00e0 t\u1ed1t h\u01a1n c\u00e1i nh\u00e0 mua khu v\u1edb v\u1ea9n m\u00e0 c\u0169ng tr\u1ea3 h\u01a1n gi\u00e1 n\u00e0y. Nh\u01b0ng nh\u01b0ng nh\u00e0 c\u1ee7a m\u00ecnh\u2026, kh\u00f4ng c\u00f3 c\u00e1i g\u00ec c\u1ee7a m\u00ecnh cho t\u1edbi khi tr\u1ea3 h\u1ebft, c\u1ee7a nh\u00e0 b\u0103ng. \u0110\u1eebng s\u0129 di\u1ec7n h\u1ea3o huy\u1ec1n, b\u1ed1 m\u1eb9, con c\u00e1i ch\u1ec9 c\u1ea7n ch\u1ed7 \u1edf khu t\u1ed1t, l\u00e1ng gi\u1ec1ng hi\u1ec1n l\u00e0nh, x\u00e3 h\u1ed9i an ninh, \u0111\u1eebng ba x\u1ea1o\u2026<\/em><\/p>\n<p><em>L\u00e0m to\u00e1n n\u1eefa: Tr\u1ea3 $5800 ti\u1ec1n m\u1eb7t h\u00e0ng th\u00e1ng cho nh\u00e0 ch\u1ec9 c\u00f3 $600 v\u00e0o nh\u00e0 th\u00f4i, t\u1ee9c l\u00e0 m\u1ed9t n\u0103m ch\u1ec9 \u0111\u01b0\u1ee3c gi\u1ea3m n\u1ee3 $7k n\u1ebfu lucky, tr\u01b0\u1edbc khi k\u00fd l\u1ea5y cho \u0111\u01b0\u1ee3c c\u00e1i b\u1ea3ng amortize c\u00e1i loan ra m\u00e0 coi, m\u1ed7i th\u00e1ng principle tr\u1ea3 \u0111\u01b0\u1ee3c l\u00e0 bao nhi\u00eau, ti\u1ec1n l\u00e3i n\u00f3 l\u1ea5y h\u1ebft m\u1ea5y n\u0103m \u0111\u1ea7u r\u1ed3i. $3800 kia l\u00e0 m\u1ea5t lu\u00f4n. Oh, \u0111\u01b0\u1ee3c tr\u1eeb thu\u1ebf, n\u1ebfu kh\u00f4ng tr\u00ean $27k standard th\u00ec c\u0169ng kh\u00f4ng tr\u1eeb \u0111\u01b0\u1ee3c \u0111\u1ed3ng n\u00e0o, m\u00e0 tr\u1ea3 thu\u1ebf bracket l\u00e0 bao nhi\u00eau. C\u00f2n tr\u1ed1n thu\u1ebf th\u00ec \u0111\u00e2u l\u1ea5y \u0111\u01b0\u1ee3c g\u00ec.<\/em><\/p>\n<p><em>Oh nh\u01b0ng v\u00e0i n\u0103m n\u1eefa n\u00f3 l\u00ean c\u1ea3 t\u1ef7? C\u00e1i n\u00e0y ph\u1ea3i ngh\u0129 l\u1ea1i, n\u00f3 ph\u1ea3i bottom tr\u01b0\u1edbc khi n\u00f3 l\u00ean l\u1ea1i nh\u01b0 stocks v\u1eady, nh\u01b0ng n\u00f3 kh\u00e1c stocks l\u00e0 g\u00ec? Ng\u01b0\u1eddi mua v\u00e0 c\u00f3 th\u1ec3 mua \u0111\u01b0\u1ee3c v\u1edbi gi\u00e1 cao, nh\u1eefng ng\u01b0\u1eddi n\u00e0y l\u00e0 ng\u01b0\u1eddi n\u00e0o, l\u00e0m ngh\u1ec1 g\u00ec? l\u01b0\u01a1ng b\u1ed5ng ra sao? Mua m\u00e0 tr\u1ea3 h\u00e0ng th\u00e1ng c\u1ea3 t\u1ef7 m\u00e0 c\u1ea3 ch\u1ee5c n\u0103m sau gi\u00e1 v\u1eabn v\u1eady ho\u1eb7c l\u00ean m\u1ed9t ch\u00fat trong m\u1ed9t c\u0103n ch\u00f2i th\u00ec kh\u00e1 bu\u1ed3n.<\/em><\/p>\n<p><em>C\u1ea3 t\u1ef7 ng\u01b0\u1eddi \u0111\u00e3 v\u00e0 \u0111ang r\u1eddi CA. Ngh\u1ec1 l\u01b0\u01a1ng cao s\u1ebd t\u1eeb t\u1eeb bi\u1ebfn m\u1ea5t, ch\u1ec9 c\u00f2n l\u1ea1i nh\u1eefng ng\u01b0\u1eddi l\u00e0m th\u01b0\u01a1ng m\u1ea1i l\u1ed7 l\u00e3 m\u1edbi c\u00f3 ti\u1ec1n mua nh\u00e0 th\u00f4i LOL. Con m\u00ecnh m\u00e0 \u0111i h\u1ecdc xa h\u1ebft c\u1ea3 hai m\u00ecnh s\u1ebd \u0111\u1ea9y nh\u00e0 \u0111i r\u1ed3i \u0111i m\u01b0\u1edbn. Ti\u1ec1n m\u1eb7t s\u1ebd \u0111\u1ea7u t\u01b0 v\u00e0o ch\u1ee9ng kho\u00e1n ki\u1ebfm \u0111\u1ee7 tr\u1ea3 ti\u1ec1n nh\u00e0 m\u01b0\u1edbn \u1edf khu t\u1ed1t.<\/em><\/p>\n<p><em>Con em m\u00ecnh b\u00e1n nh\u00e0 n\u0103m ngo\u00e1i $3.2M, \u0111i m\u01b0\u1edbn nh\u00e0 tr\u1ea3 $6000\/th\u00e1ng c\u00f9ng khu nh\u00e0 n\u00f3 lu\u00f4n. D\u00e2n c\u00f3 ti\u1ec1n kh\u00f4ng c\u00f3 FOMO v\u00e0 kh\u00f4ng bao gi\u1edd b\u1ecb \u201cThe Ship Has Sailed\u201d. C\u00f3 m\u1ed9t \u0111i\u1ec1u m\u00ecnh \u0111\u1ec3 \u00fd l\u00e0 em m\u00ecnh kh\u00f4ng bi\u1ebft ng\u01b0\u1ee3ng ng\u00f9ng khi n\u00f3i n\u00f3 \u0111i m\u01b0\u1edbn nh\u00e0 m\u00e0 tr\u1ea3 c\u1ea3 t\u1ef7 b\u1ea1c LOL.<\/em><\/p>\n<p><em>Th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n s\u1ebd l\u00ean m\u1eb7c d\u00f9 nh\u00e0 c\u1eeda kh\u00f4ng l\u00ean. D\u00f9ng ti\u1ec1n \u0111\u1ea7u t\u01b0 v\u00e0o ch\u1ed7 s\u1ebd ki\u1ebfm ti\u1ec1n.<span class=\"Apple-converted-space\">\u00a0<\/span><\/em><\/p>\n<p><em>\u0110\u1eddi ch\u1ec9 c\u00f3 Logic v\u00e0 Math, nh\u1ea5t l\u00e0 mu\u1ed1n s\u1ed1ng sung t\u00fac \u1edf CA n\u00e0y. History always repeats itself.<span class=\"Apple-converted-space\">\u00a0<\/span><\/em><\/p>\n<p><em>M\u1ed9t l\u1ea7n n\u1eefa, \u0111\u00e2y l\u00e0 chuy\u1ec7n c\u1ee7a m\u00ecnh v\u00e0 s\u1ef1 t\u00ednh to\u00e1n c\u1ee7a ri\u00eang m\u00ecnh th\u00f4i, m\u1ed7i ng\u01b0\u1eddi m\u1ed7i \u00fd. Ch\u00fac m\u1ecdi ng\u01b0\u1eddi m\u1ed9t \u0111\u1eddi s\u1ed1ng h\u1ea1nh ph\u00fac v\u00e0 sung t\u00fac, nh\u1ea5t l\u00e0 \u1edf CA \u0111\u1eb9p v\u00e0 kh\u00ed h\u1eadu t\u1ed1t n\u00e0y.<\/em><\/p>\n<ul class=\"lcp_catlist\" id=\"lcp_instance_0\"><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>FOMO, The Ship Has Sailed, nh\u00e0 c\u1eeda\u2026 Th\u1eddi nay\u2026 FOMO: Fear Of Missing Out. S\u1ee3 m\u1ea5t \u0103n. The Ship Has Sailed: \u0110\u00e3 l\u1ee1 chuy\u1ebfn \u0111\u00f2, M\u1ea5t \u0103n r\u1ed3i. H\u00f4m nay m\u00ecnh mu\u1ed1n k\u1ec3 chuy\u1ec7n v\u1ec1 FOMO m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 ti\u1ec1n m\u1ea5t t\u1eadt mang v\u1ec1 c\u00e1i ch\u1eef n\u00e0y. Nh\u1eefng ng\u01b0\u1eddi l\u01b0\u1eddi t\u00ecm hi\u1ec3u m\u00e0 tham <a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/fomo.html\" class=\"more-link\">&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":6733,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1354,1333],"tags":[1326,1328,1325,1299,1174],"class_list":["post-6728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kinh-te-gia-dinh","category-nha-finance","tag-ban-nha","tag-fomo","tag-mua-nha","tag-nha-cua","tag-tien-lai"],"views":74,"_links":{"self":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6728","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/comments?post=6728"}],"version-history":[{"count":3,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6728\/revisions"}],"predecessor-version":[{"id":7221,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6728\/revisions\/7221"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media\/6733"}],"wp:attachment":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media?parent=6728"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/categories?post=6728"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/tags?post=6728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}