{"id":19148,"date":"2023-12-05T12:56:35","date_gmt":"2023-12-05T12:56:35","guid":{"rendered":"https:\/\/masterskills.org\/blog\/7-bai-hoc-dat-gia-ma-ban-can-phai-biet-truoc-tuoi-30.html"},"modified":"2023-12-22T04:48:57","modified_gmt":"2023-12-21T21:48:57","slug":"7-bai-hoc-dat-gia-ma-ban-can-phai-biet-truoc-tuoi-30","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/7-bai-hoc-dat-gia-ma-ban-can-phai-biet-truoc-tuoi-30.html","title":{"rendered":"7 b\u00e0i h\u1ecdc \u0111\u1eaft gi\u00e1 m\u00e0 b\u1ea1n c\u1ea7n ph\u1ea3i bi\u1ebft tr\u01b0\u1edbc tu\u1ed5i 30"},"content":{"rendered":"
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    T\u00f4i v\u1eeba b\u01b0\u1edbc sang tu\u1ed5i 30, n\u1ebfu x\u00e9t v\u1ec1 nh\u1eefng n\u1ed7i lo v\u1ec1 t\u00e0i ch\u00ednh th\u00ec nhi\u1ec1u th\u1ee9 \u0111\u00e1ng ng\u1ea1i l\u1eafm. L\u00fac n\u00e0y, b\u1ea1n \u0111\u1ee7 gi\u00e0 \u0111\u1ec3 c\u1ea3m th\u1ea5y m\u00ecnh n\u00ean c\u00f3 nh\u1eefng th\u00e0nh c\u00f4ng nh\u1ea5t \u0111\u1ecbnh. Nh\u01b0ng \u0111\u1ed3ng th\u1eddi b\u1ea1n c\u0169ng v\u1eabn ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u1eed th\u00e1ch c\u1ee7a m\u1ed9t ng\u01b0\u1eddi tr\u1ebb \u0111ang tr\u01b0\u1edfng th\u00e0nh, \u0111\u00f3 l\u00e0 tr\u1ea3 nh\u1eefng kho\u1ea3n n\u1ee3 th\u1eddi sinh vi\u00ean v\u00e0 nh\u1eefng chi ph\u00ed sinh ho\u1ea1t t\u0103ng l\u00ean.<\/p>\n

    Theo s\u1ed1 li\u1ec7u \u0111i\u1ec1u tra d\u00e2n s\u1ed1 n\u0103m 2014 \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh th\u00e1ng 8 , gi\u00e1 tr\u1ecb r\u00f2ng trung b\u00ecnh c\u1ee7a t\u00e0i s\u1ea3n c\u1ee7a m\u1ed7i ng\u01b0\u1eddi \u0111\u1ed9c th\u00e2n d\u01b0\u1edbi 35 l\u00e0 4.166 USD. N\u1ebfu b\u1ea1n lo\u1ea1i tr\u1eeb v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu t\u1eeb m\u1ed9t ng\u00f4i nh\u00e0 ch\u00ednh v\u00e0 th\u1ebf ch\u1ea5p li\u00ean quan, con s\u1ed1 gi\u1ea3m c\u00f2n 3.310 USD.<\/p>\n

    N\u1ebfu x\u00e9t v\u1ec1 kh\u00eda c\u1ea1nh t\u00e0i ch\u00ednh, th\u00ec ch\u1eb3ng c\u00f3 g\u00ec thay \u0111\u1ed5i khi b\u1ea1n b\u01b0\u1edbc sang tu\u1ed5i 30 so v\u1edbi l\u00fac 20 c\u1ea3. V\u00e0 n\u00f3 \u0111\u00fang l\u00e0 nh\u01b0 th\u1ebf. Sau khi h\u1ecdc xong \u0111\u1ea1i h\u1ecdc, th\u01b0\u1eddng l\u00e0 n\u0103m b\u1ea1n 22 tu\u1ed5i, v\u00e0 kh\u00f4ng c\u00f3 kho\u1ea3n n\u1ee3 n\u00e0o trong ng\u01b0\u1eddi. Khi \u0111\u00f3 b\u1ea1n s\u1ebd ngay l\u1eadp t\u1ee9c b\u1eaft \u0111\u1ea7u ngh\u0129 \u0111\u1ebfn ti\u1ebft ki\u1ec7m m\u1ed9t kho\u1ea3n, \u0111\u1ec3 mua nh\u00e0 ch\u1eb3ng h\u1ea1n. Nh\u01b0ng hi\u1ec7n t\u1ea1i th\u00ec kh\u00f4ng nh\u01b0 th\u1ebf: chi ph\u00ed cho h\u1ecdc ph\u00ed \u0111\u00e3 t\u0103ng nhanh h\u01a1n 8 l\u1ea7n so v\u1edbi ti\u1ec1n l\u01b0\u01a1ng trong 30 n\u0103m qua. Hi\u1ec7n nay, nh\u1eefng ng\u01b0\u1eddi t\u1ed1t nghi\u1ec7p th\u01b0\u1eddng ngay l\u1eadp t\u1ee9c ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi vi\u1ec7c tr\u1ea3 c\u00e1c kho\u1ea3n vay t\u00e0i ch\u00ednh h\u1ed3i sinh vi\u00ean.<\/p>\n

    Th\u1eadt \u0111\u00e1ng s\u1ee3 khi m\u00e0 b\u1ea1n b\u01b0\u1edbc sang ng\u01b0\u1ee1ng 30 tu\u1ed5i v\u00e0 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh ch\u1ed3ng ch\u1ea5t nh\u01b0 th\u1ebf, n\u00ean d\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng b\u00e0i h\u1ecdc m\u00e0 b\u1ea1n ph\u1ea3i hi\u1ec3u v\u00e0 ghi nh\u1edb n\u1ebfu b\u1ea1n mu\u1ed1n x\u00e2y d\u1ef1ng cho m\u00ecnh m\u1ed9t n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc cho t\u01b0\u01a1ng lai.<\/p>\n

    1. Khai th\u00e1c s\u1ee9c m\u1ea1nh c\u1ee7a t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed<\/b><\/p>\n

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    \u00a0V\u1edbi nh\u1eefng s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea \u0111i\u1ec1u tra d\u00e2n s\u1ed1 g\u1ea7n \u0111\u00e2y, gi\u00e1 tr\u1ecb trung b\u00ecnh c\u1ee7a m\u1ed9t t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed t\u1ea1i M\u1ef9 l\u00e0 10.000 USD.<\/p>\n

    \u0110\u00f3 l\u00e0 m\u1ed9t con s\u1ed1 \u0111\u00e1ng kinh ng\u1ea1c, b\u1edfi n\u00f3 l\u00e0 140% hay g\u1ea5p \u0111\u1ebfn 2,4 l\u1ea7n so v\u1edbi gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng trung b\u00ecnh chung cho nh\u1eefng ng\u01b0\u1eddi \u0111\u1ed9c th\u00e2n d\u01b0\u1edbi 35 tu\u1ed5i, h\u1ecd th\u01b0\u1eddng d\u00f9ng n\u00f3 \u0111\u1ec3 mua c\u00e1c c\u0103n h\u1ed9 v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. \u0110i\u1ec1u n\u00e0y ngh\u0129a l\u00e0 nh\u1eefng t\u00e0i kho\u1ea3n l\u01b0\u01a1ng h\u01b0u l\u00e0 con \u0111\u01b0\u1eddng \u0111\u00e1ng tin c\u1eady \u0111\u1ec3 t\u00edch l\u0169y t\u00e0i s\u1ea3n.<\/p>\n

    Kh\u00f4ng may l\u00e0, s\u1ed1 li\u1ec7u cho th\u1ea5y r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi tr\u1ebb kh\u00f4ng \u0111\u1ea7u t\u01b0 cho b\u1ea5t k\u00ec t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed n\u00e0o.<\/p>\n

    2. H\u1ecdc v\u1ec1 th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n v\u00e0 \u0111\u1ea7u t\u01b0<\/b><\/p>\n

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    \u00a0N\u1ebfu c\u00f3 ti\u1ec1n r\u1ea3nh r\u1ed7i, nhi\u1ec1u ng\u01b0\u1eddi gi\u1eef ti\u1ec1n c\u1ee7a h\u1ecd trong nh\u1eefng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng b\u1edfi h\u1ecd b\u1ecb \u0111e d\u1ecda b\u1edfi nh\u1eefng nguy hi\u1ec3m c\u1ee7a th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n ho\u1eb7c lo s\u1ee3 h\u1ecd s\u1ebd m\u1ea5t ti\u1ec1n. Tr\u00e1i ng\u01b0\u1ee3c v\u1edbi nh\u1eefng n\u1ed7i s\u1ee3 n\u00e0y, \u0111\u00f3ng g\u00f3p l\u1edbn th\u1ee9 hai v\u00e0o gi\u00e1 tr\u1ecb r\u00f2ng cho nh\u1eefng ng\u01b0\u1eddi tr\u1ebb tu\u1ed5i ngo\u00e0i nh\u00e0 c\u1ee7a h\u1ecd l\u00e0 c\u1ed5 phi\u1ebfu v\u00e0 c\u1ed5 phi\u1ebfu qu\u1ef9 t\u01b0\u01a1ng h\u1ed7.<\/p>\n

    N\u1ebfu b\u1ea1n kh\u00f4ng bi\u1ebft c\u00e1ch \u0111\u1ea7u t\u01b0, h\u00e3y ngh\u0129 v\u1ec1 nh\u1eefng qu\u1ef9 \u0111\u1ea7u t\u01b0 r\u1ee7i ro th\u1ea5p. Nh\u1eefng qu\u1ef9 n\u00e0y th\u01b0\u1eddng \u0111\u01a1n gi\u1ea3n, hi\u1ec7u qu\u1ea3 cao v\u00e0 gi\u00e1 th\u00ec ph\u1ea3i ch\u0103ng. \u0110\u00e2y l\u00e0 c\u00e1ch t\u00f4i \u0111\u01b0\u1ee3c d\u1ea1y \u0111\u1ea7u t\u01b0 khi theo h\u1ecdc t\u1ea1i hai tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc t\u00e0i ch\u00ednh Harvard v\u00e0 \u0110\u1ea1i h\u1ecdc t\u00e0i ch\u00ednh Wharton. Nh\u01b0 m\u1ed9t chuy\u00ean gia \u0111\u00e3 n\u00f3i: “N\u1ebfu ch\u1ec9 ch\u1ecdn m\u1ed9t lo\u1ea1i c\u1ed5 phi\u1ebfu \u0111\u1ec3 \u0111\u1ea7u t\u01b0, b\u1ea1n l\u00e0 m\u1ed9t \u0111\u1ee9a ng\u1ed1c.”<\/p>\n

    B\u1eb1ng vi\u1ec7c \u0111\u1ea7u t\u1eeb v\u00e0o nh\u1eefng qu\u1ef9 t\u00e0i ch\u00ednh, b\u1ea1n \u0111ang \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ea3 th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, vi\u1ec7c n\u00e0y cho ph\u00e9p b\u1ea1n ti\u1ebfp x\u00fac v\u1edbi nhi\u1ec1u c\u00f4ng ty kh\u00e1c nhau m\u00e0 v\u1eabn gi\u1ea3m r\u1ee7i ro ch\u1ecdn sai c\u00f4ng ty ho\u1eb7c sai l\u0129nh v\u1ef1c \u0111\u1ec3 \u0111\u1ea7u t\u01b0. T\u1ea5t nhi\u00ean kh\u00f4ng c\u00f3 kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0o \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o, nh\u01b0ng \u0111\u00e2y l\u00e0 c\u00e1ch \u0111\u1ec3 nh\u1eefng nh\u00e0 qu\u1ea3n l\u00fd ti\u1ec1n h\u00e0ng \u0111\u1ea7u th\u1ebf gi\u1edbi khuy\u00ean nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n n\u00ean l\u00e0m v\u1edbi ti\u1ec1n c\u1ee7a h\u1ecd.<\/p>\n

    3. Nh\u1eadn ra l\u00e0 b\u1ea1n c\u1ea7n ph\u1ea3i vun \u0111\u1eafp ni\u1ec1m vui cho sau n\u00e0y ngay b\u00e2y gi\u1edd<\/b><\/p>\n

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    Theo thuy\u1ebft ti\u1ebfn h\u00f3a, ch\u00fang ta lu\u00f4n mu\u1ed1n nhi\u1ec1u h\u01a1n nh\u1eefng g\u00ec m\u00ecnh c\u00f3. N\u00f3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn l\u00e0 m\u1ed9t \u0111i\u1ec1u \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u1ec3 con ng\u01b0\u1eddi c\u00f3 th\u1ec3 ti\u1ebfn l\u00ean m\u1ed9t t\u1ea7m cao kh\u00e1c.<\/p>\n

    \u0110\u01b0\u01a1ng nhi\u00ean, n\u00f3 c\u0169ng mang \u0111\u1ebfn nh\u1eefng t\u00e1c d\u1ee5ng ti\u00eau c\u1ef1c. Nh\u01b0 l\u00e0 vi\u1ec7c kh\u00f4ng hi\u1ec3u r\u1eb1ng ti\u1ec1n kh\u00f4ng mua \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3, n\u00f3 kh\u00f4ng th\u1ec3 mang \u0111\u1ebfn h\u1ea1nh ph\u00fac cho ch\u00fang ta. Nh\u1eefng cu\u1ed1n s\u00e1ch nh\u01b0 “Tuesdays With Morrie” ho\u1eb7c t\u00e1c ph\u1ea9m n\u1ed5i ti\u1ebfng “Last Lecture” l\u00e0m cho ch\u00fang ta th\u1ea5y r\u00f5 r\u1eb1ng khi nh\u1eefng gi\u00e2y cu\u1ed1i c\u00f9ng c\u1ee7a cu\u1ed9c \u0111\u1eddi, ng\u01b0\u1eddi ta s\u1ebd kh\u00f4ng nh\u1eafc nhi\u1ec1u \u0111\u1ebfn v\u1eadt ch\u1ea5t.<\/p>\n

    Hi\u1ec3u \u0111\u01b0\u1ee3c b\u00e0i h\u1ecdc n\u00e0y s\u1ebd cho ph\u00e9p b\u1ea1n tr\u00e1nh xa nh\u1eefng sai l\u1ea7m nh\u01b0 l\u00e0 kh\u00f4ng ti\u1ebft ki\u1ec7m cho t\u01b0\u01a1ng lai m\u00e0 ch\u1ec9 ti\u00eau x\u00e0i hoang ph\u00ed. C\u1ea7n ph\u1ea3i c\u00f3 s\u1ef1 c\u1ea7n b\u1eb1ng cho m\u1ecdi th\u1ee9.<\/p>\n

    4. S\u1ed1ng ri\u00eang theo c\u00e1ch c\u1ee7a m\u00ecnh kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t \u0111i\u1ec3m y\u1ebfu m\u00e0 l\u00e0 m\u1ed9t s\u1ee9c m\u1ea1nh<\/b><\/p>\n

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    \u00a0Khi t\u00f4i s\u1ed1ng \u1edf New York sau khi t\u1ed1t nghi\u1ec7p, c\u00f3 m\u1ed9t \u0111i\u1ec1u d\u1edf kh\u00f3c d\u1edf c\u01b0\u1eddi x\u1ea3y ra. Nh\u00e0 ngh\u00e8o, n\u00ean t\u1eeb nh\u1ecf t\u00f4i kh\u00f4ng quen v\u1edbi vi\u1ec7c tham gia nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng c\u1ea5p 3 v\u00e0 \u0111\u1ea1i h\u1ecdc, \u0111\u01a1n gi\u1ea3n b\u1edfi \u0111i\u1ec1u ki\u1ec7n gia \u0111\u00ecnh kh\u00f4ng cho ph\u00e9p. B\u1ea1n b\u00e8 c\u0169ng bi\u1ebft v\u00e0 hi\u1ec3u cho t\u00f4i.<\/p>\n

    Nh\u01b0ng khi b\u1eaft \u0111\u1ea7u \u0111i l\u00e0m, vi\u1ec7c ph\u1ea3i ra ngo\u00e0i \u0111\u1ec3 t\u1ea1o quan h\u1ec7 v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng x\u00e3 giao l\u00e0 \u0111i\u1ec1u kh\u00f4ng th\u1ec3 thi\u1ebfu. Kh\u00f4ng th\u1ec3 l\u1ea5y l\u00fd do kh\u00f4ng \u0111\u1ee7 ti\u1ec1n \u0111\u01b0\u1ee3c n\u1eefa.<\/p>\n

    \u0110\u00fang v\u1eady, v\u1ea5n \u0111\u1ec1 r\u1eafc r\u1ed1i \u1edf \u0111\u00e2y li\u00ean quan \u0111\u1ebfn s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 suy ngh\u0129: Kh\u00f4ng ph\u1ea3i ai c\u0169ng d\u00e0nh h\u1ebft s\u1ed1 ti\u1ec1n m\u00ecnh ki\u1ebfm \u0111\u01b0\u1ee3c \u0111\u1ec3 h\u01b0\u1edfng th\u1ee5!<\/p>\n

    5. Ngh\u0129 \u0111\u1ebfn nh\u1eefng \u0111i\u1ec1u t\u1ed1t nh\u1ea5t cho b\u1ea3n th\u00e2n m\u00ecnh tr\u01b0\u1edbc<\/b><\/p>\n

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    Ngay khi ti\u1ec1n l\u01b0\u01a1ng \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n, vi\u1ec7c c\u1ea7n l\u00e0m \u0111\u1ea7u ti\u00ean l\u00e0 g\u00ec? Kh\u00f4ng ph\u1ea3i \u01b0u ti\u00ean \u0111\u1ea7u ti\u00ean l\u00e0 \u0103n ch\u01a1i x\u1ea3 l\u00e1ng, b\u1ea1n c\u1ea7n ph\u1ea3i t\u00ednh to\u00e1n chi ti\u00eau th\u1ebf n\u00e0o cho nh\u1eefng chi ph\u00ed c\u00e1 nh\u00e2n v\u00e0 ti\u1ebft ki\u1ec7m cho l\u01b0\u01a1ng h\u01b0u. Vi\u1ec7c c\u1ea7n thi\u1ebft l\u00e0 b\u1ea1n ph\u1ea3i t\u00edch l\u0169y ngay m\u1ed9t v\u00e0i ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c, b\u1edfi t\u01b0\u01a1ng lai c\u1ee7a b\u1ea1n c\u00f3 h\u1ea1nh ph\u00fac kh\u00f4ng t\u00f9y thu\u1ed9c ph\u1ea7n l\u1edbn v\u00e0o s\u1ed1 ti\u1ec1n b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c khi \u0111\u00f3.<\/p>\n

    \u0110\u1ea7u ti\u00ean, h\u00e3y ch\u00fa \u00fd \u0111\u1ebfn nh\u1eefng kho\u1ea3n chi ti\u00eau \u0111\u1ecbnh k\u1ef3 l\u1edbn nh\u01b0 ti\u1ec1n thu\u00ea nh\u00e0 hay ti\u1ec1n \u0111i\u1ec7n n\u01b0\u1edbc ho\u1eb7c nh\u1eefng kho\u1ea3n ph\u00ed l\u1edbn kh\u00e1c. N\u00f3 s\u1ebd t\u00e1c \u0111\u1ed9ng nhi\u1ec1u \u0111\u1ebfn t\u1ed5ng ti\u1ec1n c\u1ee7a b\u1ea1n h\u01a1n l\u00e0 vi\u1ec7c b\u1ecf m\u1ed9t t\u00e1ch c\u00e0 ph\u00ea s\u00e1ng nay u\u1ed1ng. C\u0169ng c\u1ea7n l\u01b0u \u00fd nh\u1eefng kho\u1ea3n ph\u00ed kh\u00f4ng \u0111\u1ecbnh k\u1ef3 nh\u01b0ng l\u1ea1i c\u00f3 gi\u00e1 tr\u1ecb r\u1ea5t l\u1edbn nh\u01b0 mua k\u00ednh \u00e1p tr\u00f2ng, th\u01b0\u1eddng c\u00f3 gi\u00e1 h\u00e0ng tr\u0103m \u0111\u00f4 la. H\u00e3y s\u1eed d\u1ee5ng c\u00e1c trang web so s\u00e1nh gi\u00e1 \u0111\u1ec3 t\u00ecm m\u1ee9c gi\u00e1 ph\u00f9 h\u1ee3p nh\u1ea5t cho b\u1ea1n.<\/p>\n

    6. H\u1ecdc c\u00e1ch qu\u1ea3n l\u00fd th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n v\u00e0 tr\u1edf th\u00e0nh m\u1ed9t ng\u01b0\u1eddi mua s\u1eafm th\u00f4ng th\u00e1i<\/b><\/p>\n

    \n
    \"7<\/div>\n
    <\/div>\n<\/div>\n

    \u00a0Nh\u1eefng th\u1ee9 \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u \u0111\u1ebfn t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n nh\u01b0 l\u00e0 vi\u1ec7c c\u00e2n b\u1eb1ng gi\u1eefa ti\u1ec1n trong t\u00e0i kho\u1ea3n v\u00e0 ti\u1ec1n l\u00e3i b\u1ea1n ph\u1ea3i tr\u1ea3 m\u1ed7i th\u00e1ng. B\u1edfi th\u01b0\u1eddng nh\u1eefng th\u1ebb credit th\u01b0\u1eddng c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t cao.<\/p>\n

    L\u00fd do b\u1ea1n mu\u1ed1n c\u00f3 m\u1ed9t t\u00edn d\u1ee5ng v\u1eefng ch\u1eafc b\u1edfi n\u00f3 ti\u1ebft ki\u1ec7m ti\u1ec1n cho b\u1ea1n cho nh\u1eefng kho\u1ea3n chi l\u1edbn sau n\u00e0y, m\u00e0 g\u1ea7n nh\u1ea5t l\u00e0 mua nh\u00e0. C\u00f3 nh\u1eefng kho\u1ea3n t\u00e0i ch\u00ednh l\u1edbn s\u1ebd gi\u00fap b\u1ea1n c\u00f3 c\u01a1 h\u1ed9i c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t vay th\u1ea5p h\u01a1n (th\u01b0\u1eddng th\u00ec ng\u01b0\u1eddi ta s\u1ebd vay th\u00eam ti\u1ec1n \u0111\u1ec3 c\u00f3 th\u1ec3 mua m\u1ed9t c\u0103n nh\u00e0 \u01b0ng \u00fd). D\u00f9 th\u1ebb credit c\u1ee7a b\u1ea1n c\u00f3 nh\u1eefng \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t cho b\u1ea1n ti\u00eau tr\u01b0\u1edbc tr\u1ea3 sau, b\u1ea1n v\u1eabn n\u00ean ti\u1ebft ki\u1ec7m h\u1ebft m\u1ee9c b\u1edfi th\u01b0\u1eddng khi b\u1ea1n mua nh\u00e0, s\u1ed1 ti\u1ec1n vay th\u00eam khi \u0111\u00f3 c\u1ee7a b\u1ea1n kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1ecf.<\/p>\n

    Hai \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n l\u00e0 kh\u1ea3 n\u0103ng thanh to\u00e1n \u0111\u00fang h\u1ea1n v\u00e0 gi\u1eef m\u1ee9c s\u1eed d\u1ee5ng \u1edf m\u1ee9c th\u1ea5p.<\/p>\n

    T\u1eadp trung v\u00e0o vi\u1ec7c tr\u1ea3 n\u1ee3, \u00edt nh\u1ea5t l\u00e0 nh\u1eefng kho\u1ea3n ph\u00ed nh\u1ecf \u0111\u00fang h\u1ea1n. T\u1ea5t nhi\u00ean l\u00e0 b\u1ea1n s\u1ebd lu\u00f4n mu\u1ed1n tr\u1ea3 h\u1ebft m\u1ed9t l\u1ea7n c\u00e0ng nhi\u1ec1u c\u00e0ng t\u1ed1t \u0111\u1ec3 tr\u00e1nh ph\u00ed l\u00e3i ph\u00e1t sinh, nh\u01b0ng th\u01b0\u1eddng l\u00e0 kh\u00f4ng th\u1ec3. Thay v\u00e0o \u0111\u00f3, c\u1ed1 g\u1eafng khi\u1ebfn th\u1ebb ng\u00e2n h\u00e0ng c\u1ee7a b\u1ea1n ch\u1ec9 \u0111\u1ec3 gi\u1eef ti\u1ec1n ch\u1ee9 kh\u00f4ng ti\u00eau qu\u00e1 m\u1ee9c \u0111\u00f3. \u0110i\u1ec1u n\u00e0y gi\u00fap \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n t\u0103ng l\u00ean.<\/p>\n

    7. T\u0103ng kho\u1ea3n thu \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n<\/b><\/p>\n

    \n
    <\/div>\n
    <\/div>\n<\/div>\n

    \u00a0\u0110\u1ec1 l\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u \u0111\u00f3, b\u1ea1n ph\u1ea3i \u01b0\u1edbc l\u01b0\u1ee3ng \u0111\u00fang m\u1ee5c ti\u00eau tr\u01b0\u1edbc. D\u00e0nh th\u1eddi gian \u0111\u1ec3 ngh\u0129 v\u1ec1 n\u01a1i b\u1ea1n mu\u1ed1n \u1edf trong 6 th\u00e1ng, 1 n\u0103m v\u00e0 n\u0103m n\u0103m t\u1eeb b\u00e2y gi\u1edd t\u1eeb kh\u00eda c\u1ea1nh t\u00e0i ch\u00ednh. T\u1eeb \u0111\u00f3, b\u1ea1n c\u00f3 th\u1ec3 t\u1eadp trung cho vi\u1ec7c s\u1eed d\u1ee5ng l\u01b0\u01a1ng v\u00e0 chi ph\u00ed b\u1ea1n c\u1ea7n tr\u1ea3 m\u1ed7i th\u00e1ng \u0111\u1ec3 \u0111\u1eb7t ra \u0111\u01b0\u1ee3c nh\u1eefng kho\u1ea3n ti\u1ebft ki\u1ec7m th\u01b0\u1eddng ni\u00ean v\u00e0 nh\u1eefng m\u1ee5c ti\u00eau \u0111\u1ea7u t\u01b0.<\/p>\n

    Khi b\u1ea1n gi\u00e0 \u0111i, b\u1ea1n s\u1ebd nh\u1eadn ra r\u1eb1ng vi\u1ec7c ch\u1ee7 \u0111\u1ed9ng trong s\u1eafp x\u1ebfp v\u00e0 qu\u1ea3n l\u00fd s\u1ef1 nghi\u1ec7p s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng r\u1ea5t l\u1edbn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n h\u01a1n b\u1ea1n t\u01b0\u1edfng. H\u00e3y lu\u00f4n c\u1ed1 g\u1eafng t\u00ecm m\u1ed9t c\u00f4ng vi\u1ec7c t\u1ed1t v\u1edbi m\u1ee9c l\u01b0\u01a1ng kh\u00e1 h\u01a1n. ( nh\u1eefng b\u00e0i vi\u1ebft c\u1ee7a t\u00f4i \u0111\u1ec3 hi\u1ec3u v\u1ec1 c\u00e1ch b\u1ea1n g\u00e2y ch\u00fa \u00fd b\u1eb1ng s\u01a1 y\u1ebfu l\u00fd l\u1ecbch c\u1ee7a m\u00ecnh). Lu\u00f4n c\u1ed1 g\u1eafng \u0111\u1ea9y nhanh c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh khi c\u00f3 th\u1ec3.<\/p>\n

    \u0110\u1ed1i v\u1edbi ph\u1ee5 n\u1eef, vi\u1ec7c n\u00e0y c\u00f2n quan tr\u1ecdng h\u01a1n. S\u1ed1 li\u1ec7u cho th\u1ea5y n\u00f3i chung, ph\u1ee5 n\u1eef th\u01b0\u1eddng ki\u1ebfm \u0111\u01b0\u1ee3c 78% so v\u1edbi nh\u1eefng \u0111\u1ed3ng nghi\u1ec7p nam n\u1ebfu c\u00f4ng vi\u1ec7c y h\u1ec7t. Nh\u1eefng c\u00f4 g\u00e1i hi\u1ec7n \u0111\u1ea1i c\u00f3 th\u1ec3 kh\u00f4ng ngh\u0129 nh\u01b0 v\u1eady, nh\u01b0ng \u0111\u00f3 l\u00e0 s\u1ef1 th\u1eadt. C\u1ea7n \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n \u0111\u01b0\u1ee3c \u0111\u1ec1n b\u00f9 x\u1ee9ng \u0111\u00e1ng cho c\u00f4ng vi\u1ec7c b\u1ea1n l\u00e0m.<\/p>\n

    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

    \n D\u01b0\u1edbi \u0111\u00e2y l\u00e0 7 b\u00e0i h\u1ecdc th\u00e0nh c\u00f4ng m\u00e0 b\u1ea1n c\u1ea7n ph\u1ea3i bi\u1ebft tr\u01b0\u1edbc 30 tu\u1ed5i, theo Camilo Maldonado, m\u1ed9t c\u1eed nh\u00e2n \u0111\u1ea1i h\u1ecdc Harvard, gi\u1edd \u0111ang \u0111i\u1ec1u h\u00e0nh m\u1ed9t trang web v\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n,The Financa Twins.
    \n <\/h2>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[430],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/19148"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=19148"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/19148\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=19148"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=19148"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=19148"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}