{"id":6922,"date":"2024-08-29T13:51:49","date_gmt":"2024-08-29T20:51:49","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=6922"},"modified":"2025-04-19T14:03:43","modified_gmt":"2025-04-19T21:03:43","slug":"kinh-te-gia-dinh-minh-dang-o-dau-va-se-di-toi-dau","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/kinh-te-gia-dinh-minh-dang-o-dau-va-se-di-toi-dau.html","title":{"rendered":"Kinh T\u1ebf Gia \u0110\u00ecnh, M\u00ecnh \u0110ang \u1ede \u0110\u00e2u v\u00e0 S\u1ebd \u0110i T\u1edbi \u0110\u00e2u"},"content":{"rendered":"

\"zillow<\/a><\/p>\n

\u1ede M\u1ef9 hay b\u1ea5t c\u1ee9 n\u01b0\u1edbc n\u00e0o, khi c\u00f3 ti\u1ec1n s\u1ed1ng c\u0169ng sung s\u01b0\u1edbng nh\u01b0 nhau, nh\u01b0ng m\u00ecnh \u0111\u00e3 \u1edf M\u1ef9 th\u00ec m\u00ecnh ch\u1ec9 bi\u1ebft l\u00e0m sao cho sung s\u01b0\u1edbng \u1edf \u0111\u00e2y th\u00f4i.<\/em><\/p>\n

H\u00e3y n\u00f3i v\u1ec1 s\u1ef1 l\u1ee3i h\u1ea1i c\u1ee7a nhi\u1ec1u ch\u1ee7ng t\u1ed9c nh\u01b0 \u1edf \u0111\u00e2y, c\u00e1i l\u1ee3i l\u00e0 c\u00e1i n\u01b0\u1edbc n\u00e0y ng\u01b0\u1eddi c\u00f3 ti\u1ec1n s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng nh\u1eefng m\u00f3n \u0103n ngon nh\u1ea5t c\u1ee7a kh\u1eafp th\u1ebf gi\u1edbi. N\u01b0\u1edbc n\u00e0y ti\u1ebfn l\u1eb9 v\u1ec1 nhi\u1ec1u l\u00e3nh v\u1ef1c v\u00ec m\u1ecdi ng\u01b0\u1eddi gi\u1ecfi nh\u1ea5t th\u1ebf gi\u1edbi s\u1ebd v\u00e0 \u0111\u00e3 v\u1ec1 \u0111\u00e2y \u0111\u1ec3 g\u00f3p c\u00f4ng n\u00ean n\u1ec1n kinh t\u1ebf r\u1ea5t m\u1ea1nh. Ai c\u0169ng \u0111\u00f3ng thu\u1ebf nhi\u1ec1u n\u00ean nh\u1eefng d\u1ecbch v\u1ee5 c\u00f4ng c\u1ed9ng kh\u00f4ng n\u01a1i n\u00e0o b\u1eb1ng, t\u1eeb nh\u00e0 v\u1ec7 sinh c\u00f4ng c\u1ed9ng t\u1edbi tai n\u1ea1n c\u1ea5p c\u1ee9u v\u00e0 b\u1ec7nh vi\u1ec7n s\u1eb5n s\u00e0ng ti\u1ebfp \u0111\u00f3n m\u1eb7c d\u00f9 h\u1ecd kh\u00f4ng bi\u1ebft m\u00ecnh c\u00f3 ti\u1ec1n hay kh\u00f4ng. N\u01b0\u1edbc M\u1ef9 r\u1ea5t quan tr\u1ecdng v\u1ec1 m\u1ea1ng s\u1ed1ng con ng\u01b0\u1eddi.<\/em><\/p>\n

N\u01b0\u1edbc n\u00e0y c\u00f3 nhi\u1ec1u ch\u1ee7ng t\u1ed9c n\u00ean lu\u1eadt ph\u00e1p \u0111\u01b0\u1ee3c vi\u1ebft ra \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi thi\u1ec3u s\u1ed1 v\u00ec c\u00f3 s\u1ef1 ph\u00e2n bi\u1ec7t da m\u00e0u. Nhi\u1ec1u ng\u01b0\u1eddi s\u1ed1ng \u1edf \u0111\u00e2y c\u1ea3m th\u1ea5y l\u1ea1c l\u00f5ng v\u00e0 t\u1ee7i th\u00e2n v\u00ec c\u1ea3m th\u1ea5y b\u1ecb k\u1ef3 th\u1ecb v\u00e0 kh\u00f4ng \u201cbelong\u201d. Nh\u01b0ng thi\u1ec7t ra s\u1ed1ng \u1edf \u0111\u00e2u c\u0169ng c\u00f3 s\u1ef1 k\u1ef3 th\u1ecb ngay c\u1ea3 \u1edf n\u01a1i thu\u1ea7n ch\u1ee7ng nh\u01b0 Nh\u1eadt, \u0110\u1ea1i H\u00e0n, T\u1ea7u v\u00e0 ngay c\u1ea3 VN. Nh\u01b0ng nh\u1eefng n\u01b0\u1edbc n\u00e0y kh\u00f4ng c\u00f3 lu\u1eadt l\u1ec7 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi thi\u1ec3u s\u1ed1 v\u1eefng ch\u1eafc.<\/b><\/em><\/p>\n

Theo m\u00ecnh, m\u00ecnh \u00edt th\u1ea5y s\u1ef1 k\u1ef3 th\u1ecb ra m\u1eb7t v\u00ec l\u00fac n\u00e0o m\u00ecnh c\u0169ng c\u01b0\u1eddi v\u00e0 ch\u00e0o h\u1ecfi m\u1ecdi ng\u01b0\u1eddi kh\u00f4ng c\u1ea7n bi\u1ebft m\u00e0u da. M\u00ecnh sao th\u00ec ng\u01b0\u1eddi ta v\u1eady, m\u00ecnh vui v\u1ebb, ho\u00e0 \u0111\u1ed3ng, kh\u00f4ng k\u1ef3 th\u1ecb th\u00ec ng\u01b0\u1eddi ta c\u0169ng v\u1eady ngay c\u1ea3 \u0111en, tr\u1eafng, v\u00e0ng, \u0111\u1ecf, n\u00e2u\u2026 \u201cSuy b\u1ee5ng ta ra b\u1ee5ng ng\u01b0\u1eddi<\/b>\u201d r\u1ea5t \u0111\u00fang, b\u1ee5ng m\u00ecnh t\u1ed1t, ng\u01b0\u1eddi ta s\u1ebd th\u1ea5y t\u1ed1t. Ch\u1eafc ch\u1eafn l\u00e0 khi th\u1ea5y m\u1ed9t ng\u01b0\u1eddi kh\u00e1c m\u00e0u da, ai c\u0169ng d\u1ef1ng l\u00ean m\u1ed9t b\u1ee9c t\u01b0\u1eddng \u0111\u1ec3 ph\u00f2ng h\u1edd, \u0111\u00f3 l\u00e0 \u0111i\u1ec1u t\u1ef1 nhi\u00ean, nh\u01b0ng khi m\u00ecnh c\u01b0\u1eddi, say \u201chi\u201d, v\u00e0 n\u00f3i n\u0103ng r\u00f5 r\u00e0ng th\u00ec b\u1ee9c t\u01b0\u1eddng kia t\u1ef1 s\u1ee5p \u0111\u1ed5 v\u00e0 m\u1ecdi ng\u01b0\u1eddi th\u1ea5y th\u00e2n thi\u1ec7n h\u01a1n.<\/em><\/p>\n

Thi\u1ec7t ra s\u1ef1 k\u1ef3 th\u1ecb n\u00f3 n\u1eb1m \u1edf social economic<\/b>, s\u1ef1 hi\u1ec3u bi\u1ebft c\u00e1 nh\u00e2n, v\u00e0 s\u1ef1 t\u1eed t\u1ebf v\u1edbi nhau, ng\u01b0\u1eddi k\u1ef3 th\u1ecb \u0111a s\u1ed1 l\u00e0 ng\u01b0\u1eddi kh\u00f4ng hi\u1ec3u bi\u1ebft (ignorant) v\u00e0 social economic th\u1ea5p<\/b>, \u0111\u1eddi s\u1ed1ng kh\u00f3 kh\u0103n n\u00ean kh\u00f4ng hi\u1ec3u t\u1eed t\u1ebf l\u00e0 g\u00ec. Th\u00ec khi m\u00ecnh \u1edf M\u1ef9 th\u00ec m\u00ecnh ph\u1ea3i l\u00e0m sao \u0111\u1ec3 c\u00f3 m\u1ed9t cu\u1ed9c s\u1ed1ng sung s\u01b0\u1edbng v\u00e0 c\u1ea3m th\u1ea5y nh\u1eb9 nh\u00e0ng.<\/em><\/p>\n

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  1. Nh\u1eadp gia tu\u1ef3 t\u1ee5c<\/b>: Ph\u1ea3i hi\u1ec3u phong t\u1ee5c \u1edf n\u01a1i m\u00ecnh \u0111ang \u1edf, \u1edf M\u1ef9 c\u00f3 k\u1ef7 lu\u1eadt, t\u1ef1 gi\u00e1c (be considerate), v\u00e0 t\u1eed t\u1ebf v\u1edbi nhau (be kind). N\u01b0\u1edbc M\u1ef9 n\u00f3i ti\u1ebfng Anh th\u00ec m\u00ecnh ph\u1ea3i gi\u1ecfi ti\u1ebfng Anh, mu\u1ed1n l\u00e0m g\u00ec th\u00ec l\u00e0m, n\u00f3i ng\u01b0\u1eddi ta ph\u1ea3i hi\u1ec3u v\u00e0 hi\u1ec3u khi nghe ng\u01b0\u1eddi ta n\u00f3i communication r\u1ea5t quan tr\u1ecdng. M\u00ecnh c\u1ea7n ph\u1ea3i blend in th\u00ec m\u1edbi s\u1ed1ng ho\u00e0 \u0111\u1ed3ng m\u00e0 kh\u00f4ng c\u1ea3m th\u1ea5y \u201csticking out as a sore thumb\u201d, ngh\u0129a l\u00e0 sao? m\u1eb7c qu\u1ea7n \u00e1o \u0111i nh\u1ea3y \u0111\u1ea7m, d\u1ea7y b\u00f3ng \u0111\u1ebf cao \u0111i ra bi\u1ec3n v\u1ea5p t\u00e9 t\u00f9ng ho\u0103ng. C\u0169ng b\u1ed9 n\u00e0y \u0111i tuy\u1ebft ch\u01a1i lu\u00f4n, tr\u01b0\u1ee3t ch\u00e2n, l\u1ea1nh c\u00f3ng t\u00e9 l\u0103n l\u00f3c. Be Appropriate for every occasion.<\/em><\/li>\n
  2. Ph\u1ea3i c\u00f3 planning<\/b> cho cu\u1ed9c s\u1ed1ng t\u1ed1t \u1edf M\u1ef9 v\u00ec m\u00ecnh ch\u1ec9 sung s\u01b0\u1edbng khi gia \u0111\u00ecnh m\u00ecnh sung s\u01b0\u1edbng, mu\u1ed1n gia \u0111\u00ecnh h\u1ea1nh ph\u00fac th\u00ec con ng\u01b0\u1eddi m\u00ecnh ph\u1ea3i t\u1eed t\u1ebf v\u1edbi ch\u00ednh m\u00ecnh v\u00e0 m\u1ecdi ng\u01b0\u1eddi. B\u00ean M\u1ef9 l\u00e0m ph\u1ea3i \u0111\u1ee7 gi\u1edd, kh\u00f4ng ba x\u00ed ba t\u00fa \u0111\u01b0\u1ee3c, kh\u00f4ng c\u00f3 gi\u1edd tr\u01b0a v\u1ec1 nh\u00e0 ng\u1ee7 nh\u01b0 b\u1ed1 m\u00ecnh \u1edf VN. 8AM gi\u1edd v\u00e0o l\u00e0m l\u00e0 8AM gi\u1edd, l\u00e0m 8 ti\u1ebfng l\u00e0 \u0111\u1ee7 8 ti\u1ebfng n\u00ean th\u1eadt ra n\u00f3 nhi\u1ec1u h\u01a1n v\u1eady. L\u00e0m ch\u0103m ch\u1ec9 v\u00e0 gi\u1ecfi s\u1ebd \u0111\u01b0\u1ee3c s\u1edf t\u0103ng l\u01b0\u01a1ng v\u00e0 tin t\u01b0\u1edfng th\u00ec sau n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng. Ng\u01b0\u1eddi l\u01b0\u1eddi v\u00e0 kh\u00f4ng k\u1ef7 lu\u1eadt kh\u00f4ng th\u1ec3 s\u1ed1ng \u1edf M\u1ef9 m\u00e0 \u0111\u01b0\u1ee3c sung t\u00fac.<\/em><\/li>\n
  3. Social economics<\/b>: C\u00e1i n\u00e0y n\u00f3 n\u00f3i chung v\u1ec1 c\u1ea5p b\u1eadc c\u1ee7a t\u1eebng s\u1ed1 ng\u01b0\u1eddi theo ti\u1ec1n l\u01b0\u01a1ng v\u00e0 t\u00e0i s\u1ea3n<\/b>. N\u00ean nh\u00ecn nh\u1eefng h\u00ecnh m\u00ecnh post \u0111\u1ec3 coi m\u00ecnh mu\u1ed1n \u1edf trong \u0111\u1ecba v\u1ecb n\u00e0o v\u00e0 t\u1eeb \u0111\u00f3 s\u1eeda so\u1ea1n planning ngay t\u1eeb l\u00fac c\u00f2n l\u00e0m \u0103n \u0111\u01b0\u1ee3c ho\u1eb7c tr\u01b0\u1edbc khi qua M\u1ef9.<\/em><\/li>\n
  4. Social economic level c\u00f3 hai ph\u1ea7n l\u01b0\u01a1ng b\u1ea9m (thu nh\u1eadp)<\/b> v\u00e0 t\u00e0i s\u1ea3n (net worth)<\/b> \u0111ang c\u00f3. Ti\u1ec1n thu nh\u1eadp h\u00e0ng n\u0103m t\u00ednh h\u1ebft m\u1ecdi th\u1ee9 ti\u1ec1n m\u00ecnh ki\u1ebfm \u0111\u01b0\u1ee3c t\u1eeb l\u01b0\u01a1ng \u0111i l\u00e0m, t\u1eeb ti\u1ec1n l\u00e3i, t\u1eeb ti\u1ec1n ki\u1ebfm \u0111\u01b0\u1ee3c trong chuy\u1ec7n \u0111\u1ea7u t\u01b0. C\u1ed9ng h\u1ebft l\u1ea1i c\u1ea3 v\u1ee3 l\u1eabn ch\u1ed3ng. T\u00e0i s\u1ea3n (Net Worth)<\/b> l\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i sau khi m\u00ecnh c\u00f3 th\u1ec3 liquidate (b\u00e1n h\u1ebft nh\u00e0 c\u1eeda, xe c\u1ed9, stocks, bonds + nh\u00e0 b\u0103ng \u0111ang c\u00f3) v\u00e0 tr\u1ea3 h\u1ebft ti\u1ec1n n\u1ee3. Nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 th\u1ec3 c\u00f3 cash poor nh\u01b0ng net worth r\u1ea5t cao v\u00ec ti\u1ec1n m\u1eb7t trong b\u0103ng kh\u00f4ng c\u00f3 nh\u01b0ng l\u00e0m ch\u1ee7 r\u1ea5t nhi\u1ec1u nh\u00e0 c\u1eeda, b\u1ea5t \u0111\u1ed9ng properties v\u00e0 ng\u01b0\u1ee3c l\u1ea1i.<\/em><\/li>\n
  5. Theo th\u1ed1ng k\u00ea th\u00ec c\u00e1i social economic levels m\u1ed7i n\u0103m m\u1ed9t xa nhau v\u00ec sao? V\u00ec ng\u01b0\u1eddi c\u00f3 ti\u1ec1n nhi\u1ec1u s\u1ebd \u0111\u1ea7u t\u01b0, trong khi ng\u01b0\u1eddi \u00edt ti\u1ec1n ch\u1eadt v\u1eadt kh\u00f4ng c\u00f3 ho\u1eb7c \u00edt ti\u1ec1n \u0111\u1ea7u t\u01b0. L\u00e0m to\u00e1n r\u1ea5t d\u1ec5, ng\u01b0\u1eddi l\u00e0m $200k \u0111\u1ec3 d\u00e0nh \u0111\u01b0\u1ee3c $50k, ng\u01b0\u1eddi l\u00e0m $100k \u0111\u1ec3 d\u00e0nh \u0111\u01b0\u1ee3c 10k, n\u1ebfu \u0111\u1ea7u t\u01b0 t\u1ed1t th\u00ec cho l\u1eddi m\u1ed7i n\u0103m 10%, th\u00ec $50k \u0111\u01b0\u1ee3c $5k = $55k v\u00e0 $10k \u0111\u01b0\u1ee3c $1k = $11k. V\u00ec v\u1eady ng\u01b0\u1eddi c\u00e0ng c\u00f3 ti\u1ec1n c\u00e0ng l\u00fac c\u00e0ng b\u1ecf xa ng\u01b0\u1eddi \u00edt ti\u1ec1n, it\u2019s simple math.<\/em><\/li>\n<\/ol>\n

    Mu\u1ed1n tr\u1edf th\u00e0nh b\u1eadc cao \u1edf social economic level kh\u00f4ng kh\u00f3 ch\u1ec9 c\u1ea7n c\u00f3 k\u1ef7 lu\u1eadt, b\u1ecf t\u00ednh s\u0129 di\u1ec7n d\u1ed5m v\u00e0 \u0111\u1ed3ng v\u1ee3 \u0111\u1ed3ng ch\u1ed3ng th\u00ec s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c<\/b>. N\u00ean \u0111\u1eb7t ra goal cho c\u00e1i n\u00e0y, sau 5 n\u0103m gia \u0111\u00ecnh m\u00ecnh s\u1ebd n\u1eb1m \u1edf \u0111\u00e2u, 10 n\u0103m v\u00e0 20 n\u0103m sau \u0111\u00f3<\/b>, khi m\u00ecnh c\u00f3 goal m\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00ec gia \u0111\u00ecnh s\u1ebd h\u1ea1nh ph\u00fac v\u00e0 sung t\u00fac<\/b>. Ng\u01b0\u1eddi ta n\u00f3i ti\u1ec1n b\u1ea1c kh\u00f4ng mua \u0111\u01b0\u1ee3c happiness nh\u01b0ng n\u00f3 c\u00f3 th\u1ec3 l\u00e0m phi\u1ec1n t\u1edbi h\u1ea1nh ph\u00fac gia \u0111\u00ecnh<\/b>.<\/em><\/p>\n

    B\u00e2y gi\u1edd m\u00ecnh mu\u1ed1n chia s\u1ebb cho nh\u1eefng gia \u0111\u00ecnh tr\u1ebb l\u00e0m sao sau 18 n\u0103m t\u1eeb n\u1ee3 $160k \u0111\u1ebfn kh\u00f4ng ph\u1ea3i lo ngh\u0129 \u0111\u1ebfn ti\u1ec1n b\u1ea1c <\/b>n\u1eefa d\u00f9 \u0111ang \u0111i l\u00e0m ba c\u1ecdc ba \u0111\u1ed3ng.<\/em><\/p>\n

    V\u00ec c\u00e1i s\u1ed1 \u201c5<\/b>\u201d \u1edf tr\u00ean, m\u00ecnh mu\u1ed1n \u0111\u1ec3 d\u00e0nh c\u00e0ng nhi\u1ec1u v\u00e0 \u0111\u1ea7u t\u01b0 c\u00e0ng s\u1edbm \u0111\u1ec3 ti\u1ec1n \u0111\u1ebb ra ti\u1ec1n, \u00edt nh\u1ea5t l\u00e0 ph\u1ea3i \u0111\u1ea1t \u0111\u01b0\u1ee3c $100k c\u00e0ng l\u1eb9 c\u00e0ng t\u1ed1t<\/b>, m\u00e0 c\u00e1i hay l\u00e0 khi \u0111\u1ea1t \u0111\u01b0\u1ee3c $100k, $200k <\/b>\u0111\u1ebfn r\u1ea5t l\u1eb9 v\u00ec c\u00e0ng nhi\u1ec1u ti\u1ec1n c\u00e0ng t\u1eb1n ti\u1ec7n m\u1eb7c d\u00f9 v\u1eabn \u0111i vacations \u0111\u1ec1u chi.<\/em><\/p>\n

    M\u1ed7i gia \u0111\u00ecnh ph\u1ea3i c\u00f3 3 accounts, chi ph\u00ed h\u00e0ng th\u00e1ng, short term investment v\u00e0 long term investment. Khi m\u1edbi l\u1ea5y nhau, chuy\u1ec7n \u0111\u1ea7u ti\u00ean l\u00e0 chi ph\u00ed h\u00e0ng th\u00e1ng v\u00e0 cashflow account.<\/em><\/p>\n

      \n
    1. Cashflow Accoun<\/b>t: Chi ph\u00ed h\u00e0ng th\u00e1ng, ph\u1ea3i bi\u1ebft r\u00f5 r\u00e0ng l\u00e0 bao nhi\u00eau c\u1ea7n \u0111\u1ec3 s\u1ed1ng h\u00e0ng th\u00e1ng th\u00ec m\u00ecnh s\u1ebd bi\u1ebft cashflow account c\u1ea7n c\u00f3 bao nhi\u00eau. T\u1ea1i sao cashflow account quan tr\u1ecdng, v\u00ec cashflow l\u00e0 ti\u1ec1n \u0111em v\u1ec1 tr\u1eeb \u0111i ti\u1ec1n chi ph\u00ed h\u00e0ng th\u00e1ng, cashflow ph\u1ea3i positive th\u00ec m\u1edbi \u0111\u1ec3 d\u00e0nh \u0111\u01b0\u1ee3c, n\u1ebfu cashflow m\u00e0 negative th\u00ec ph\u1ea3i b\u1edbt x\u00e0i. ho\u1eb7c \u0111i ki\u1ebfm th\u00eam job m\u00e0 l\u00e0m \u0111\u1ec3 cho n\u00f3 positive.<\/em><\/li>\n
    2. Short term Investment Account<\/b>: Account n\u00e0y l\u00e0 brokerage account, c\u1ea7n ti\u1ec1n l\u1ea5y ra b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, n\u1ebfu kh\u00f4ng c\u1ea7n c\u1ee9 b\u1ecf th\u00eam v\u00e0o \u0111\u00e2y. Ch\u1ec9 c\u00f3 short term account khi Cashflow Account c\u00f3 \u0111\u1ee7 6 th\u00e1ng ti\u1ec1n s\u1edf h\u1ee5i h\u00e0ng th\u00e1ng, t\u1ee9c l\u00e0 c\u1ee9 d\u01b0 tr\u00ean 6 th\u00e1ng th\u00ec qu\u0103ng v\u00e0o Short Term Investment \u0111\u1ec3 ki\u1ebfm l\u1eddi thay v\u00ec \u0111\u1ec3 trong \u0111\u00f3 u\u1ed5ng.<\/em><\/li>\n
    3. Long term investment<\/b>: 401k, IRA, ROTH IRA, BONDS, Nh\u00e0 c\u1eeda, b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/em><\/li>\n<\/ol>\n

      T\u1ea1i sao m\u00ecnh c\u00f3 ph\u1ea3i c\u00f3 3 c\u00e1i n\u00e0y, \u0111\u1ec3 m\u00ecnh bi\u1ebft s\u1ef1 ti\u1ebfn tri\u1ec3n c\u1ee7a kinh t\u1ebf gia \u0111\u00ecnh m\u00ecnh nh\u01b0 th\u1ebf n\u00e0o. Khi m\u00ecnh c\u00f3 6 th\u00e1ng ti\u1ec1n s\u1edf h\u1ee5i, m\u00ecnh kh\u00f4ng s\u1ee3 m\u1ea5t vi\u1ec7c m\u00e0 ch\u1ebft li\u1ec1n, s\u1ed1ng \u0111\u01b0\u1ee3c 6 th\u00e1ng, trong khi \u0111\u00f3 short term investment account c\u00f3 gi\u1edd ki\u1ebfm l\u1eddi cho ti\u1ec1n d\u01b0 m\u00e0 c\u00f3 th\u1ec3 l\u1ea5y ra n\u1ebfu c\u1ea7n, c\u00f2n long term l\u00e0 c\u00e1i cho t\u01b0\u01a1ng lai, v\u1ec1 h\u01b0u kh\u00f4ng c\u1ea7n ph\u1ea3i x\u00e0i cho t\u1edbi gi\u00e0.<\/em><\/p>\n

      M\u00ecnh v\u00e0 b\u00e0 x\u00e3 \u0111i l\u00e0m, m\u01b0\u1edbn ph\u00f2ng nh\u1ecf r\u1ebb ti\u1ec1n, ch\u1ea1y xe c\u0169, \u0111\u1ec3 d\u00e0nh ti\u1ec1n cho c\u00e1i cashflow, khi n\u00f3 \u0111\u1ea7y qua short term investment \u0111\u1ed3ng th\u1eddi b\u1ecf ti\u1ec1n v\u00e0o long term investment lu\u00f4n l\u00e0 401k, 4 n\u0103m sau mua nh\u00e0 (long term investment) m\u00e0 v\u1eabn c\u00f3 cashflow account c\u1ee7a 6 th\u00e1ng ti\u1ec1n s\u1edf h\u1ee5i, sau \u0111\u00f3 m\u1edbi mua xe m\u1edbi \u0111\u1ec3 ch\u1edf con \u0111i h\u1ecdc v\u00e0 m\u1ed7i n\u0103m v\u1eabn c\u00f3 ti\u1ec1n cho con \u0111i Cancun v\u00e0 Hawaii, tr\u01b0\u1ee3t tuy\u1ebft.<\/em><\/p>\n

      \u0110\u1ecdc b\u00e0i c\u0169 v\u1ec1 c\u00e1ch \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh cho c\u00e1i short term v\u00e0 long term investment.<\/em><\/p>\n

      Nh\u1eefng em tr\u1ebb v\u1eeba c\u00f3 con, ph\u1ea3i nh\u1edb nh\u01b0 v\u1ea7y, khi c\u00f3 ti\u1ec1n \u0111\u1ec3 d\u00e0nh d\u01b0 ph\u1ea3i invest<\/b>. \u0110\u1eebng ngh\u0129 v\u00e0 s\u1ee3 v\u1edb v\u1ea9n, h\u00f4m kia m\u00ecnh v\u1eeba \u0111\u1ec3 d\u00e0nh th\u00eam ti\u1ec1n cho con m\u00ecnh, m\u1ed7i th\u00e1ng m\u00ecnh s\u1ebd mua cho hai \u0111\u1ee9a 10 shares c\u1ee7a AAPL trong 10 n\u0103m (28 tu\u1ed5i v\u00e0 25 tu\u1ed5i sau n\u00e0y), v\u00ec sao, ai c\u0169ng x\u00e0i iPhone, iPad, v\u00e0 l\u1ee1 d\u1ea1i xe \u0111i\u1ec7n n\u00f3 ra th\u00ec kh\u1ecfi n\u00f3i. 10 n\u0103m tr\u01b0\u1edbc 2012 gi\u00e1 l\u00e0 $12.5 b\u00e2y gi\u1edd l\u00e0 $151. t\u1ee9c l\u00e0 tr\u00ean 10 l\u1ea7n. Sau 10 n\u0103m hai \u0111\u1ee9a s\u1ebd c\u00f3 1200 shares, n\u1ebfu c\u1ee9 theo l\u1ecbch s\u1eed th\u00ec l\u00fac \u0111\u00f3 gi\u00e1 s\u1ebd l\u00e0 $1500 t\u00ednh r\u1ebb th\u00ec hai \u0111\u1ee9a c\u0169ng c\u00f3 $1.8M. Kh\u00f4ng c\u1ea7n ph\u1ea3i lo t\u1edbi lo lui.<\/em><\/p>\n

      N\u1ebfu nh\u00ecn ra c\u00e1i n\u00e0y th\u00ec s\u1ebd hi\u1ec3u b\u00e0n t\u00ednh \u0111\u00fang th\u00ec ch\u1eb3ng bao l\u00e2u t\u00e0i s\u1ea3n s\u1ebd c\u00f3 \u0111\u1ee7 \u0111\u1ec3 kh\u00f4ng ph\u1ea3i lo ngh\u0129 h\u1eb1ng ng\u00e0y n\u1eefa. Ph\u1ea3i \u0111\u1eb7t k\u1ef7 lu\u1eadt nh\u01b0 v\u1ea7y, c\u00f3 b\u1ea1c tr\u0103m x\u00e0i b\u1ea1c \u0111\u1ed3ng, c\u00f3 b\u1ea1c ng\u00e0n, x\u00e0i b\u1ea1c ch\u1ee5c, c\u00f3 b\u1ea1c tr\u0103m ng\u00e0n, x\u00e0i b\u1ea1c tr\u0103m, v\u00e0 c\u00f3 b\u1ea1c tri\u1ec7u, x\u00e0i b\u1ea1c ng\u00e0n, th\u00ec \u0111\u1eddi r\u1ea5t nh\u1eb9 nh\u00e0ng v\u00e0 gia \u0111\u00ecnh kh\u00f4ng bao gi\u1edd lo l\u1eafng, ch\u1ec9 c\u01b0\u1eddi v\u00e0 h\u01b0\u1edfng m\u00e0 th\u00f4i. M\u00ecnh bi\u1ebft VN \u0111\u1ec3 d\u00e0nh ti\u1ec1n r\u1ea5t gi\u1ecfi nh\u01b0ng ti\u1ec1n kh\u00f4ng \u0111\u1ebb ra ti\u1ec1n n\u00ean 10 n\u0103m sau v\u1eabn v\u1eady.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

      \u1ede M\u1ef9 hay b\u1ea5t c\u1ee9 n\u01b0\u1edbc n\u00e0o, khi c\u00f3 ti\u1ec1n s\u1ed1ng c\u0169ng sung s\u01b0\u1edbng nh\u01b0 nhau, nh\u01b0ng m\u00ecnh \u0111\u00e3 \u1edf M\u1ef9 th\u00ec m\u00ecnh ch\u1ec9 bi\u1ebft l\u00e0m sao cho sung s\u01b0\u1edbng \u1edf \u0111\u00e2y th\u00f4i. H\u00e3y n\u00f3i v\u1ec1 s\u1ef1 l\u1ee3i h\u1ea1i c\u1ee7a nhi\u1ec1u ch\u1ee7ng t\u1ed9c nh\u01b0 \u1edf \u0111\u00e2y, c\u00e1i l\u1ee3i l\u00e0 c\u00e1i n\u01b0\u1edbc n\u00e0y ng\u01b0\u1eddi c\u00f3 ti\u1ec1n …<\/a><\/p>\n","protected":false},"author":1,"featured_media":6924,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1455,1354],"tags":[1479,308,1319,1355,1480,1481,1482,1300,1477,1478],"class_list":["post-6922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dau-tu-chung-khoan","category-kinh-te-gia-dinh","tag-bang-cap","tag-debt","tag-income","tag-muc-tieu","tag-networth","tag-no","tag-tai-chanh","tag-tai-san","tag-thu-nhap","tag-tieu-xai"],"views":14,"_links":{"self":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6922","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=6922"}],"version-history":[{"count":1,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6922\/revisions"}],"predecessor-version":[{"id":6925,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6922\/revisions\/6925"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media\/6924"}],"wp:attachment":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media?parent=6922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/categories?post=6922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/tags?post=6922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}