{"id":7200,"date":"2025-05-04T12:12:21","date_gmt":"2025-05-04T19:12:21","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=7200"},"modified":"2025-05-05T09:57:12","modified_gmt":"2025-05-05T16:57:12","slug":"that-ship-has-sailed-jump-on-the-bandwagon","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/that-ship-has-sailed-jump-on-the-bandwagon.html","title":{"rendered":"That Ship Has Sailed, Jump On The BandWagon"},"content":{"rendered":"<p class=\"p1\"><em>Ng\u1ed3i nh\u00ecn l\u1ea1i t\u00e0i ch\u00e1nh gia \u0111\u00ecnh m\u00ecnh m\u00ecnh mu\u1ed1n vi\u1ebft b\u00e0i n\u00e0y cho nh\u1eefng ng\u01b0\u1eddi tr\u1ebb c\u00f3 gia \u0111\u00ecnh con c\u00e1i l\u00e0m to\u00e1n \u0111\u1ec3 b\u00e0n t\u00ednh cho t\u01b0\u01a1ng lai. M\u00ecnh \u0111ang \u1edf mi\u1ec1n b\u1eafc c\u1ee7a m\u1ed9t ti\u1ec3u bang \u0111\u1eaft \u0111\u1ecf l\u00e0 California v\u00e0 s\u1eafp t\u1edbi tu\u1ed5i v\u1ec1 h\u01b0u.<\/em><\/p>\n<p class=\"p1\"><em>M\u00ecnh b\u1eaft \u0111\u1ea7u \u0111\u1ecdc nh\u1eefng b\u00e0i c\u1ee7a Financial Planners cho nh\u1eefng ng\u01b0\u1eddi v\u1ec1 h\u01b0u cho 20 n\u0103m trung b\u00ecnh c\u00f2n l\u1ea1i c\u1ee7a \u0111\u1eddi ng\u01b0\u1eddi th\u00ec th\u1ea5y kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ed1t \u0111\u1eb9p cho l\u1eafm n\u1ebfu kh\u00f4ng c\u00f3 \u0111\u1ec3 d\u00e0nh \u0111\u01b0\u1ee3c $1.6M v\u00e0 \u0111\u01b0\u1ee3c Social Security h\u00e0ng th\u00e1ng tr\u00ean $2k v\u00ec v\u1eadt gi\u00e1 \u0111\u1eaft \u0111\u1ecf \u1edf CA.<\/em><\/p>\n<p class=\"p1\"><em><b>Nh\u01b0 m\u00ecnh \u0111\u00e3 n\u00f3i, tr\u00ean \u0111\u1ea5t m\u1ef9 c\u00f3 hai lo\u1ea1i \u0111\u1ea7u t\u01b0 ki\u1ebfm ti\u1ec1n cho t\u01b0\u01a1ng lai l\u00e0 \u0111\u1ecba \u1ed1c v\u00e0 ch\u1ee9ng kho\u00e1n. Kh\u00f4ng \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ed9t trong hai c\u00e1i n\u00e0y l\u00e0 kh\u00f4ng c\u00f3 ti\u1ec1n khi v\u1ec1 h\u01b0u<\/b>. <b>Theo m\u00ecnh quan tr\u1ecdng nh\u1ea5t l\u00e0 h\u1eadu v\u1eadn, khi gi\u00e0 kh\u00f4ng c\u00f2n s\u1ee9c \u0111i l\u00e0m ki\u1ebfm ti\u1ec1n, ch\u1ec9 c\u00f2n \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n l\u00e0 kh\u00f4ng c\u1ea7n nhi\u1ec1u s\u1ee9c m\u00e0 th\u00f4i, ph\u1ea3i n\u1eafm v\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y<\/b>.<\/em><\/p>\n<p class=\"p1\"><em><b>\u0110\u1ecba \u1ed1c<\/b>: Nh\u1eefng ng\u01b0\u1eddi \u0111\u1ea7u t\u01b0 v\u00e0o nh\u00e0 c\u1eeda n\u0103m 2007 nh\u01b0 m\u00ecnh t\u1edbi gi\u1edd th\u00ec th\u1ea5y gi\u00e1 nh\u00e0 l\u00ean g\u1ea7n 200%, nh\u00ecn th\u1ed1ng k\u00ea t\u1eeb $149-$416 l\u00e0 180%. M\u1ef9 c\u00f3 c\u00e2u \u201cthat ship has sailed\u201d ngh\u0129a l\u00e0 nh\u1eefng ng\u01b0\u1eddi mua nh\u00e0 b\u00e2y gi\u1edd \u201cjump on the bandwagon\u201d \u0111i theo m\u1ecdi ng\u01b0\u1eddi mua nh\u00e0 \u0111\u1ec3 ki\u1ebfm ti\u1ec1n m\u00e0 kh\u00f4ng l\u00e0m to\u00e1n th\u00ec s\u1ebd b\u1ecb th\u1ea5t b\u1ea1i trong t\u01b0\u01a1ng lai. Thi\u1ec7t ra mua nh\u00e0 l\u00fac n\u00e0o trong th\u1eddi gian d\u00e0i c\u0169ng c\u00f3 l\u1eddi, nh\u01b0ng ti\u1ec1n l\u1eddi v\u00e0 ti\u1ec1n t\u1ed1n c\u00f3 thi\u1ec7t l\u1ee3i hay kh\u00f4ng? Ph\u1ea3i l\u00e0m to\u00e1n, ngay c\u1ea3 Warren Buffet, t\u1ef7 ph\u00fa M\u1ef9 n\u1ed5i ti\u1ebfng v\u1ec1 \u0111\u1ea7u t\u01b0 c\u0169ng kh\u00f4ng \u0111\u1ed3ng \u00fd t\u1edbi \u0111\u1ea7u t\u01b0 v\u00e0o nh\u00e0 c\u1eeda, t\u1ea1i \u00f4ng ta r\u1ea5t gi\u1ecfi to\u00e1n.<\/em><\/p>\n<p class=\"p1\"><em>C\u00e1i t\u00e2m l\u00fd con ng\u01b0\u1eddi l\u00e0 \u0111i m\u01b0\u1edbn th\u00ec ng\u01b0\u1eddi ngo\u00e0i kh\u00f4ng th\u1ea5y l\u00e0 m\u00ecnh th\u00e0nh c\u00f4ng, nh\u00e0 \u0111\u00f3 kh\u00f4ng ph\u1ea3i c\u1ee7a t\u00f4i, v\u00e0 b\u1ecb \u0111u\u1ed5i m\u1ed7i khi h\u1ecd b\u00e1n nh\u00e0. Nghe \u0111\u00fang nh\u01b0ng n\u1ebfu th\u1eadt t\u00ecnh theo m\u00ecnh m\u00e0 trong b\u0103ng c\u00f3 nhi\u1ec1u ti\u1ec1n th\u00ec k\u1ec7 x\u00e1c ng\u01b0\u1eddi ngo\u00e0i mu\u1ed1n n\u00f3i g\u00ec th\u00ec n\u00f3i. Nh\u00ecn ti\u1ec1n n\u00f3i chuy\u1ec7n. \u0110\u00e2y m\u1edbi l\u00e0 th\u1ef1c ch\u1ea5t.<\/em><\/p>\n<p class=\"p1\"><em><b>L\u00e0m To\u00e1n:<\/b> Theo th\u1ed1ng k\u00ea th\u00ec nh\u00e0 l\u00ean gi\u00e1 25% t\u1eeb n\u0103m 2020 t\u1edbi gi\u1edd, ngh\u0129a l\u00e0 5% m\u1ed9t n\u0103m, nh\u01b0ng n\u0103m nay kh\u00f4ng l\u00ean nhi\u1ec1u h\u01a1n 5% v\u00e0 n\u0103m t\u1edbi v\u00ec kinh t\u1ebf \u0111ang d\u1ecfm, l\u1ea1m ph\u00e1t l\u00ean, ti\u1ec1n l\u1eddi l\u00ean. Ch\u00ednh ph\u1ee7 s\u1ebd gi\u1ea3m ti\u1ec1n l\u1eddi n\u1ebfu kinh t\u1ebf \u0111i v\u00e0o recession, nh\u01b0ng gi\u1ea3m ti\u1ec1n l\u1eddi s\u1ebd \u0111\u1ea9y l\u1ea1m ph\u00e1t l\u00ean cao h\u01a1n th\u00ec ti\u1ec1n m\u00ecnh c\u00e0ng m\u1ea5t gi\u00e1.<\/em><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><em><b>Mua nh\u00e0 \u1edf CA<\/b>: Gi\u00e1 trung b\u00ecnh \u1edf San Jose l\u00e0 n\u01a1i t\u1eadp trung nhi\u1ec1u VN l\u00e0 $1.4M (US ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ed3ng VN), \u0111\u00e2y l\u00e0 gi\u00e1 nh\u00e0 \u1edf khu trung b\u00ecnh ho\u1eb7c t\u1ec7 ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 khu t\u1ed1t, y\u00ean t\u1ecbnh, an to\u00e0n, tr\u01b0\u1eddng h\u1ecdc t\u1ed1t cho con c\u00e1i. $926\/sqft l\u00e0 nh\u00e0 ch\u1ec9 c\u1edb 3 ph\u00f2ng ng\u1ee7 2 ph\u00f2ng t\u1eafm 1500 sqft nh\u1ecf m\u00e0 th\u00f4i.<\/em><\/li>\n<li class=\"li1\"><em><b>Ti\u1ec1n m\u1eb7t ph\u1ea3i b\u1ecf ra l\u00e0 20% = $280k, v\u1edbi 6.5% m\u1ed7i th\u00e1ng tr\u1ea3 $7097 + thu\u1ebf $1283 + b\u1ea3o hi\u1ec3m ch\u01b0a k\u1ec3 \u0111i\u1ec7n + n\u01b0\u1edbc + r\u00e1c + vv = $8610\/th\u00e1ng <\/b>cho <b>30 n\u0103m hay 360 th\u00e1ng<\/b>.<\/em><\/li>\n<li class=\"li1\"><em>\u0110i m\u01b0\u1edbn nh\u00e0 nh\u1ecf c\u00f9ng khu c\u1ee1 <b>$4000-$5000\/th\u00e1ng<\/b>.<\/em><\/li>\n<li class=\"li1\"><em><b>B\u00e2y gi\u1edd t\u00ednh ti\u1ec1n l\u00e3i \u0111ang \u1edf 6.7%, sau 14 n\u0103m \u0111\u01b0\u1ee3c xu\u1ed1ng 2.5% nh\u01b0 m\u00ecnh mua \u1edf 6.75% 2007 v\u00e0 2021 \u0111\u01b0\u1ee3c 2.5% <\/b>th\u00ec l\u00fac \u0111\u00f3 c\u00f2n n\u1ee3 $850k refinance cho 20 n\u0103m, m\u1ed7i th\u00e1ng tr\u1ea3 <b>$6004 x 240 = $1441k v\u00e0 ti\u1ec1n \u0111\u00e3 tr\u1ea3 tr\u01b0\u1edbc l\u00e0 $8610 x 144 = 1240k = $2681k<\/b>. T\u1ed5ng c\u1ed9ng 34 n\u0103m.<\/em><\/li>\n<li class=\"li1\"><em>Gi\u1ea3 s\u1eed m\u1ed7i n\u0103m nh\u00e0 l\u00ean <b>3% <\/b>nh\u01b0 th\u1ed1ng k\u00ea d\u1ef1 \u0111o\u00e1n th\u00ec gi\u00e1 nh\u00e0 s\u1ebd l\u00ean <b>$3,824,667.41. Qu\u00e1 \u0111\u1eb9p &#8211; $2681k = $1143k l\u1eddi nh\u01b0ng ch\u01b0a ch\u1eafc b\u1ecf t\u00fai \u0111\u01b0\u1ee3c h\u1ebft v\u00ec t\u1ed1n ti\u1ec1n b\u00e1n, v\u00e0 n\u1ebfu b\u00e1n \u0111\u1ec3 \u0111i m\u01b0\u1edbn th\u00ec th\u1eed ngh\u0129 ti\u1ec1n m\u01b0\u1edbn nh\u00e0 l\u00fac \u0111\u00f3 s\u1ebd l\u00e0 bao nhi\u00eau? Th\u1eed ngh\u0129 d\u00f9ng logic th\u00ec nh\u00e0 m\u00ecnh 1500 sqft \u1edf khu kh\u00f4ng t\u1ed1t m\u00e0 l\u00ean t\u1edbi $3.6M th\u00ec kinh t\u1ebf M\u1ef9 l\u00fac \u0111\u00f3 s\u1ebd nh\u01b0 th\u1ebf n\u00e0o? Ngo\u00e0i l\u00e0m to\u00e1n ph\u1ea3i c\u00f3 IQ cao m\u1ed9t ch\u00fat.<\/b><\/em><\/li>\n<li class=\"li1\"><em><b>\u0110i m\u01b0\u1edbn nh\u00e0 $5k\/th\u00e1ng, kh\u00f4ng c\u1ea7n t\u00ednh ti\u1ec1n b\u1ecf ra, kh\u00f4ng c\u1ea7n t\u00ednh tr\u1ea3 ti\u1ec1n m\u1ea5t \u0111i \u0111\u1ec3 \u1edf, ch\u1ec9 t\u00ednh ti\u1ec1n so s\u00e1nh v\u1edbi mua nh\u00e0 m\u00e0 th\u00f4i, ngh\u0129 xa m\u00e0 kh\u00f4ng ngh\u0129 g\u1ea7n v\u00e0 nh\u1ea5t l\u00e0 kh\u00f4ng s\u0129 di\u1ec7n v\u1edb v\u1ea9n. Ti\u1ec1n m\u1eb7t down nh\u00e0 l\u00e0 $280k + (ti\u1ec1n mortgage + ti\u1ec1n thu\u1ebf )- ti\u1ec1n m\u01b0\u1edbn l\u00e0 $3610\/th\u00e1ng. B\u1ecf h\u1ebft $280k v\u00e0o SP500 v\u00e0 m\u1ed7i th\u00e1ng b\u1ecf $3610 v\u00e0o th\u00eam SP500, SP500 trong 30 n\u0103m trung b\u00ecnh l\u00e0 10.74% nh\u01b0ng ch\u1ec9 d\u00f9ng 10% th\u00f4i. Compounded trong 34 n\u0103m th\u00ec s\u1ebd c\u00f3 $17,787,398.15.<\/b><\/em><\/li>\n<\/ul>\n<p class=\"p1\"><em>B\u00e2y gi\u1edd s\u1ebd c\u00f3 ng\u01b0\u1eddi h\u1ecfi t\u1ea1i sao m\u00ecnh kh\u00f4ng b\u00e1n nh\u00e0 \u0111\u1ec3 \u0111i m\u01b0\u1edbn r\u1ed3i b\u1ecf ti\u1ec1n v\u00e0o SP500 \u0111\u1ec3 ki\u1ebfm 10% compounded? T\u1ea1i m\u00ecnh \u0111\u00e3 mua nh\u00e0 t\u1eeb n\u0103m 2007, v\u00e0 m\u00ecnh \u0111\u00e3 c\u00f3 ti\u1ec1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n r\u1ed3i, kh\u00e1c v\u1edbi ng\u01b0\u1eddi ch\u01b0a c\u00f3 g\u00ec. M\u00ecnh \u0111\u00e3 bi\u1ebft l\u00e0m sao \u0111\u1ec3 ki\u1ebfm tr\u00ean 10% m\u1ed7i n\u0103m v\u1edbi ti\u1ec1n \u0111\u1ec3 d\u00e0nh c\u1ee7a m\u00ecnh. Khi \u0111\u00e3 bi\u1ebft \u0111\u1ea7u t\u01b0 v\u00e0o ch\u1ee9ng kho\u00e1n \u0111\u00fang th\u00ec kh\u00f4ng bao gi\u1edd s\u1ee3 \u0111\u00f3i d\u00f9 th\u1ecb tr\u01b0\u1eddng c\u00f3 l\u00ean hay xu\u1ed1ng. M\u00ecnh ch\u1ec9 l\u00e0m to\u00e1n \u0111\u01b0\u1ee3c t\u1edbi \u0111\u00e2y th\u00f4i, m\u1ed7i ng\u01b0\u1eddi m\u1ed7i \u00fd. \u0110\u1eddi s\u1ed1ng ng\u1eafn ng\u1ee7i, ai c\u0169ng ph\u1ea3i gi\u00e0 \u0111i v\u00e0 v\u1ec1 h\u01b0u, l\u00e0m to\u00e1n cho \u0111\u00fang th\u00ec gia \u0111\u00ecnh s\u1ebd \u0111\u01b0\u1ee3c sung t\u00fac cho t\u1edbi l\u00fac v\u1ec1 gi\u00e0. Quan tr\u1ecdng l\u00e0 ti\u1ec1n b\u1ea1c r\u1ee7ng r\u1ec9nh th\u00ec gia \u0111\u00ecnh h\u1ea1nh ph\u00fac, h\u1ea1nh ph\u00fac v\u00e0 sung t\u00fac l\u00e0 \u0111i\u1ec1u \u1eaft c\u00f3 v\u00e0 \u0111\u1ee7 trong \u0111\u1eddi s\u1ed1ng c\u00f3 m\u1ed9t kh\u00f4ng hai n\u00e0y.<\/em><\/p>\n<p><em><strong>T\u00e2m l\u00fd con ng\u01b0\u1eddi thua thi\u1ec7t l\u00e0 nh\u1ecbn \u0103n, nh\u1ecbn u\u1ed1ng \u0111\u1ec3 ki\u1ebfm \u0111\u1ee7 ti\u1ec1n tr\u1ea3 c\u00e1i mortgage $8610 m\u1ed7i th\u00e1ng, nh\u01b0ng n\u1ebfu \u0111i thu\u00ea nh\u00e0 \u0111\u1ed1 m\u00e0 b\u1ecf $280k v\u00e0 m\u1ed7i th\u00e1ng $3610 v\u00e0o \u0111\u1ea7u t\u01b0 SP500. M\u1ef9 c\u00f3 c\u00e2u &#8220;Braindead Paying&#8221;.<\/strong><\/em><\/p>\n<p class=\"p1\"><em><b>NEVER FOLLOW &#8211; Th\u1eddi th\u1ebf \u0111\u1ed5i, m\u00ecnh ph\u1ea3i \u0111\u1ed5i theo th\u1eddi th\u1ebf<\/b>.<\/em><\/p>\n<link href=\"\/idogjs\/icss\/font-awesome\/css\/ifotorama.css\" rel=\"stylesheet\"><script src=\"https:\/\/ajax.googleapis.com\/ajax\/libs\/jquery\/1.11.3\/jquery.min.js\"><\/script><script src=\"\/idogjs\/ijs\/ifotorama.js\"><\/script>\n<div class='fotorama--wp' data-allowfullscreen='yes'data-ids='7210,7206,7209,7203,7204,7202,7201,7208,7207,7205,7211,7212'data-link='file'data-itemtag='dl'data-icontag='dt'data-captiontag='dd'data-columns='0'data-size='large'data-width='600'data-auto='false'data-max-width='100%'data-ratio='1.3921113689095'><div id='gallery-1' class='gallery galleryid-7200 gallery-columns-0 gallery-size-thumbnail'><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_SP500_30years.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_SP500_30years.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_SP500_30years-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"SP500 30 years\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_housing.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_housing.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_housing-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"housing stats\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_SJhome.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_SJhome.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_SJhome-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"SJ home prices\" \/><\/a>\n\t\t\t<\/dt><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_6.7.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_6.7.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_6.7-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"mortgage 6.7%\" aria-describedby=\"gallery-1-7203\" \/><\/a>\n\t\t\t<\/dt>\n\t\t\t\t<dd class='wp-caption-text gallery-caption' id='gallery-1-7203'>\n\t\t\t\t6.7% cho 30 n\u0103m\n\t\t\t\t<\/dd><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_6.71.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_6.71.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_6.71-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"mortgage 6.7%\" aria-describedby=\"gallery-1-7204\" \/><\/a>\n\t\t\t<\/dt>\n\t\t\t\t<dd class='wp-caption-text gallery-caption' id='gallery-1-7204'>\n\t\t\t\t6.7% cho 30 n\u0103m\n\t\t\t\t<\/dd><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_2.51.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_2.51.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_2.51-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"mortgage 2.5%\" aria-describedby=\"gallery-1-7202\" \/><\/a>\n\t\t\t<\/dt>\n\t\t\t\t<dd class='wp-caption-text gallery-caption' id='gallery-1-7202'>\n\t\t\t\trefinance 2.5% sau 14 n\u0103m\n\t\t\t\t<\/dd><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_2.5.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_2.5.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_2.5-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"refinance 2.5%\" aria-describedby=\"gallery-1-7201\" \/><\/a>\n\t\t\t<\/dt>\n\t\t\t\t<dd class='wp-caption-text gallery-caption' id='gallery-1-7201'>\n\t\t\t\trefinance 2.5% sau 14 n\u0103m\n\t\t\t\t<\/dd><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_housingcompound.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_housingcompound.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_housingcompound-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"housing compound 3%\" aria-describedby=\"gallery-1-7208\" \/><\/a>\n\t\t\t<\/dt>\n\t\t\t\t<dd class='wp-caption-text gallery-caption' id='gallery-1-7208'>\n\t\t\t\tcompounded 3% m\u1ed7i n\u0103m\n\t\t\t\t<\/dd><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_housing3.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_housing3.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_housing3-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"housing compound 3%\" aria-describedby=\"gallery-1-7207\" \/><\/a>\n\t\t\t<\/dt>\n\t\t\t\t<dd class='wp-caption-text gallery-caption' id='gallery-1-7207'>\n\t\t\t\tcompounded 3% m\u1ed7i n\u0103m\n\t\t\t\t<\/dd><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_compound10.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_compound10.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_compound10-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"compound 10%\" aria-describedby=\"gallery-1-7205\" \/><\/a>\n\t\t\t<\/dt>\n\t\t\t\t<dd class='wp-caption-text gallery-caption' id='gallery-1-7205'>\n\t\t\t\tcompound 10% m\u1ed7i n\u0103m\n\t\t\t\t<\/dd><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_compounded10_34-years.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_compounded10_34-years.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_compounded10_34-years-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"compounded 10% 34 years\" aria-describedby=\"gallery-1-7211\" \/><\/a>\n\t\t\t<\/dt>\n\t\t\t\t<dd class='wp-caption-text gallery-caption' id='gallery-1-7211'>\n\t\t\t\tcompounded 10% 34 n\u0103m\n\t\t\t\t<\/dd><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_3year_growth.jpg' data-full='https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_3year_growth.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"211\" height=\"112\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_3year_growth-211x112.jpg\" class=\"w3-image attachment-thumbnail size-thumbnail\" alt=\"3year growth\" \/><\/a>\n\t\t\t<\/dt><\/dl>\n\t\t<\/div>\n<\/div>\n<ul class=\"lcp_catlist\" id=\"lcp_instance_0\"><\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ng\u1ed3i nh\u00ecn l\u1ea1i t\u00e0i ch\u00e1nh gia \u0111\u00ecnh m\u00ecnh m\u00ecnh mu\u1ed1n vi\u1ebft b\u00e0i n\u00e0y cho nh\u1eefng ng\u01b0\u1eddi tr\u1ebb c\u00f3 gia \u0111\u00ecnh con c\u00e1i l\u00e0m to\u00e1n \u0111\u1ec3 b\u00e0n t\u00ednh cho t\u01b0\u01a1ng lai. M\u00ecnh \u0111ang \u1edf mi\u1ec1n b\u1eafc c\u1ee7a m\u1ed9t ti\u1ec3u bang \u0111\u1eaft \u0111\u1ecf l\u00e0 California v\u00e0 s\u1eafp t\u1edbi tu\u1ed5i v\u1ec1 h\u01b0u. M\u00ecnh b\u1eaft \u0111\u1ea7u \u0111\u1ecdc nh\u1eefng b\u00e0i <a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/that-ship-has-sailed-jump-on-the-bandwagon.html\" class=\"more-link\">&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":7211,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1455,1333],"tags":[1669,1670,1671,1673,1325,1672,1668,1590,1674,1676,1675],"class_list":["post-7200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dau-tu-chung-khoan","category-nha-finance","tag-buy","tag-home","tag-house","tag-mortgage","tag-mua-nha","tag-muon-nha","tag-rent","tag-tien-dien","tag-tien-nha","tag-tien-nuoc","tag-tien-thue"],"views":35,"_links":{"self":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/7200","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=7200"}],"version-history":[{"count":2,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/7200\/revisions"}],"predecessor-version":[{"id":7214,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/7200\/revisions\/7214"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media\/7211"}],"wp:attachment":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media?parent=7200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/categories?post=7200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/tags?post=7200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}