{"id":317,"date":"2017-11-03T16:45:28","date_gmt":"2017-11-03T09:45:28","guid":{"rendered":"http:\/\/ngocbichnguyen.com\/?p=317"},"modified":"2017-11-03T16:46:18","modified_gmt":"2017-11-03T09:46:18","slug":"hoc-quan-ly-tai-chinh-ca-nhan","status":"publish","type":"post","link":"http:\/\/ngocbichnguyen.com\/?p=317","title":{"rendered":"H\u1eccC QU\u1ea2N L\u00dd T\u00c0I CH\u00cdNH C\u00c1 NH\u00c2N"},"content":{"rendered":"

Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u00e1 nh\u00e2n JARS<\/span><\/h3>\n
\n

Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u00e1 nh\u00e2n JARS \u0111\u01b0\u1ee3c ph\u00e1t minh b\u1edfi T. Harv Eker<\/span><\/p>\n

Ph\u01b0\u01a1ng ph\u00e1p JARS l\u00e0 ph\u01b0\u01a1ng ph\u00e1p nh\u1eefng c\u00e1i h\u0169, b\u1edfi ti\u1ec1n c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c chia \u0111\u1ec1u cho 6 c\u00e1i h\u0169 t\u01b0\u1ee3ng tr\u01b0ng cho 6 t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n.<\/span>
\n– H\u00e3y h\u00ecnh dung khi b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c thu nh\u1eadp m\u1ed7i th\u00e1ng (c\u00f3 th\u1ec3 l\u00e0 ti\u1ec1n l\u01b0\u01a1ng, ho\u1eb7c ti\u1ec1n t\u1eeb b\u1ed1 m\u1eb9, ho\u1eb7c b\u1ea5t c\u1ee9 ngu\u00f4n thu n\u00e0o kh\u00e1c, \u00edt hay nhi\u1ec1u kh\u00f4ng quan tr\u1ecdng). S\u1ed1 ti\u1ec1n \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c chia cho c\u00e1c h\u0169 \u0111\u01b0\u1ee3c d\u00e1nh d\u1ea5u nh\u01b0\u00a0 sau v\u1edbi s\u1ed1 ph\u1ea7n tr\u0103m t\u01b0\u01a1ng \u1ee9ng.<\/span><\/p>\n

\"QU\u1ea2N
QU\u1ea2N L\u00dd T\u00c0I CH\u00cdNH C\u00c1 NH\u00c2N<\/figcaption><\/figure>\n
    \n
  • Financial Freedom Account (FFA) \u2013 T\u00e0i kho\u1ea3n t\u1ef1 do t\u00e0i ch\u00ednh 10%<\/span><\/strong><\/em><\/span><\/li>\n
  • Long term saving for spending account (LTSS) \u2013 T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ti\u00eau d\u00f9ng cho t\u01b0\u01a1ng lai 10%<\/span><\/strong><\/em><\/span><\/li>\n
  • Education account (EDU) \u2013 T\u00e0i kho\u1ea3ngi\u00e1o d\u1ee5c 10%<\/span><\/strong><\/em><\/span><\/li>\n
  • Neccessities (NEC) -T\u00e0i kho\u1ea3nchi ti\u00eau c\u1ea7n thi\u1ebft 55%<\/span><\/strong><\/em><\/span><\/li>\n
  • Play \u2013 T\u00e0i kho\u1ea3n h\u01b0\u1edfng th\u1ee5 10%<\/span><\/strong><\/em><\/span><\/li>\n
  • Give \u2013 T\u00e0i kho\u1ea3n t\u1eeb thi\u1ec7n 5%<\/span><\/strong><\/em><\/span><\/li>\n<\/ul>\n

    Khi b\u1ea1n nh\u00ecn v\u00e0o nh\u1eefng t\u00e0i kho\u1ea3n tr\u00ean, c\u00f3 th\u1ec3 b\u1ea1n s\u1ebd th\u1eafc m\u1eafc l\u00e0 c\u00f3 v\u1ebb 1 s\u1ed1 t\u00e0i kho\u1ea3n n\u00f3 h\u01a1i tr\u00f9ng l\u1eadp v\u1edbi nhau, nh\u01b0ng th\u1eadt s\u1ef1 th\u00ec m\u1ed7i t\u00e0i kho\u1ea3n \u0111\u1ec1u c\u00f3 m\u1ee5c \u0111\u00edch v\u00e0 t\u00e1c d\u1ee5ng ri\u00eang \u0111\u1ea5y.<\/span><\/p>\n

    \"QU\u1ea2N
    QU\u1ea2N L\u00dd T\u00c0I CH\u00cdNH<\/figcaption><\/figure>\n

    1. Financial Freedom Account (FFA) \u2013 T\u00e0i kho\u1ea3n t\u1ef1 do t\u00e0i ch\u00ednh 10%<\/strong><\/span><\/em><\/span><\/p>\n

    C\u00f3 th\u1ec3 kh\u00e1i ni\u1ec7m n\u00e0y r\u1ea5t m\u1edbi \u0111\u1ed1i v\u1edbi b\u1ea1n, n\u00f3i \u0111\u01a1n gi\u1ea3n th\u00ec \u0111\u00e2y l\u00e0 t\u00e0i kho\u1ea3n d\u00f9ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0. C\u00f3 nhi\u1ec1u c\u00e1ch \u0111\u1ec3 \u0111\u1ea7u t\u01b0 (n\u1ebfu \u0111\u01b0\u1ee3c m\u00ecnh s\u1ebd n\u00f3i r\u00f5 h\u01a1n th\u00f4ng qua nh\u1eefng ch\u1ee7 \u0111\u1ec1 kh\u00e1c) nh\u01b0ng v\u00ed d\u1ee5 b\u1ea1n c\u00f3 th\u1ec3 d\u00f9ng \u0111\u1ec3 ch\u01a1i ch\u1ee9ng kho\u00e1n (n\u1ebfu b\u1ea1n c\u00f3 kh\u1ea3 n\u0103ng), ho\u1eb7c \u0111\u1ec3 d\u00e0nh khi n\u00e0o nhi\u1ec1u nhi\u1ec1u c\u00f3 th\u1ec3 h\u00f9n h\u1ea1p l\u00e0m \u0103n v\u1edbi b\u1ea1n b\u00e8, th\u00e2m ch\u00ed m\u1edf 1 c\u1eeda h\u00e0ng nho nh\u1ecf, th\u1eadm ch\u00ed l\u00e0 \u0111\u1ec3 m\u1edf c\u00f4ng ty.<\/span>
    \nT\u00e1c d\u1ee5ng c\u1ee7a t\u00e0i kho\u1ea3n n\u00e0y l\u00e0 \u0111\u1ec3 cho b\u1ea1n l\u00fac n\u00e0o c\u0169ng c\u00f3 s\u1eb5n 1 s\u00f4 ti\u1ec1n cho nh\u1eefng m\u1ee5c \u0111\u00edch \u0111\u00e2u t\u01b0 trong t\u01b0\u01a1ng lai, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1edbi l\u00fac \u0111\u00f3 b\u1ea1n m\u1edbi \u0111i gom ti\u1ec1n. V\u00e0 l\u00fd do m\u00e0 t\u00ean t\u00e0i kho\u1ea3n n\u00e0y l\u00e0 Financial Freedom, b\u1edfi v\u00ec ch\u1ec9 c\u00f3 \u0111\u1ea7u t\u01b0 (h\u1ee3p l\u00fd v\u00e0 hi\u1ec7u qu\u1ea3) th\u00ec m\u1edbi c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n l\u00e0m gi\u00e0u, v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u1edbi Financial freedom, khi m\u00e0 m\u1ecdi chi ti\u00eau c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c nh\u1eefng l\u1ee3i t\u1ee9c t\u1eeb \u0111\u00e2u t\u01b0 chi tr\u1ea3 h\u1ebft, l\u00fac \u0111\u00f3 b\u1ea1n ko c\u1ea7n ph\u1ea3i \u0111i l\u00e0m nh\u01b0ng v\u1eabn c\u00f3 th\u1ec3 s\u1ed1ng tho\u1ea3i m\u00e1i<\/span><\/p>\n

    2. Long term saving for spending account (LTSS) \u2013 T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ti\u00eau d\u00f9ng cho t\u01b0\u01a1ng lai 10%<\/strong><\/span><\/em><\/span><\/p>\n

    T\u00e0i kho\u1ea3n n\u00e0y b\u1ea1n s\u1ebd ph\u1ea3i \u0111\u1ec3 \u0111\u00f3 1 kho\u1ea3n th\u1eddi gian kh\u00e1 l\u00e2u \u0111\u1ec3 cho nh\u1eefng chi ti\u00eau l\u1edbn trong t\u01b0\u01a1ng l\u1ea1i. V\u00ed d\u1ee5 nh\u01b0 khi c\u00f2n \u0111i h\u1ecdc, b\u1ea1n mu\u1ed1n s\u1eafm con \u0111i\u1ec7n tho\u1ea1i m\u1edbi, hay con laptop, th\u00ec \u0111\u00e2y l\u00e0 kho\u1ea3n \u0111\u1ec3 b\u1ea1n \u0111\u1ec3 d\u00e0nh cho nh\u1eefng chi ti\u00eau \u0111\u00f3 (v\u00ec n\u00f3 l\u1edbn \u0111\u1ed1i v\u1edbi b\u1ea1n). Ho\u1eb7c c\u00f2n khi b\u1ea1n \u0111\u00e3 \u0111i l\u00e0m, th\u00ec kho\u1ea3n n\u00e0y \u0111\u1ec3 cho b\u1ea1n d\u00e0nh d\u1ee5m mua nh\u1eefng m\u00f3n l\u1edbn h\u01a1n, nh\u01b0 l\u00e0 s\u1eafm xe, mua nh\u00e0, d\u00e0nh d\u1ee5m cho \u0111\u00e1m c\u01b0\u1edbi v.v\u2026<\/span>
    \nT\u00e1c d\u1ee5ng c\u1ee7a t\u00e0i kho\u1ea3n n\u00e0y l\u00e0 \u0111\u1ec3 b\u1ea1n th\u1ea5y r\u00f5 \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch m\u00ecnh nh\u1eafm t\u1edbi l\u00e0 g\u00ec, v\u00e0 ti\u1ebft ki\u1ec7m ti\u1ec1n t\u1eeb t\u1eeb cho vi\u1ec7c \u0111\u00f3. Nh\u1eefng kho\u1ea3n chi ti\u00eau l\u1edbn n\u00e0y b\u1ea1n c\u1ea7n c\u00f3 k\u1ebf ho\u1ea1ch l\u00e2u d\u00e0i, ch\u1ee9 kh\u00f4ng n\u00ean l\u00e0 t\u1edbi l\u00fac \u0111\u00f3 m\u1edbi d\u00f9ng h\u1ebft ti\u1ec1n c\u1ee7a m\u00ecnh \u0111i mua, r\u1ed3i n\u00f3 s\u1ebd \u1ea3nh h\u01b0\u1edfng t\u1edbi nh\u1eefng kho\u1ea3n chi ti\u00eau kh\u00e1c<\/span><\/p>\n

    3. Education account (EDU) \u2013 T\u00e0i kho\u1ea3n gi\u00e1o d\u1ee5c 10%<\/strong><\/span><\/em><\/span><\/p>\n

    \u0110\u00e2y l\u00e0 t\u00e0i kho\u1ea3n gi\u00e1o d\u1ee5c cho ch\u00ednh b\u1ea1n, t\u1ee9c l\u00e0 \u0111\u1ec3 cho b\u1ea1n n\u00e2ng c\u1ea5p b\u1ea3n th\u00e2n. T\u00e0i kho\u1ea3n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c chi ti\u00eau v\u00e0o c\u00e1c kho\u1ea3n nh\u01b0 cho c\u00e1c kho\u00e1 h\u1ecdc n\u00e2ng c\u1ea5p b\u1ea3n th\u00e2n, mua s\u00e1ch v\u1edf t\u00e0i li\u1ec7u h\u1ecdc t\u1eadp. V\u00e0 h\u00e3y nh\u1edb \u0111\u00e2y l\u00e0 t\u00e0i kho\u1ea3n gi\u00e1o d\u1ee5c cho ch\u00ednh b\u1ea1n, b\u1ea1n ph\u1ea3i chi ti\u00eau h\u1ee3p l\u00fd \u0111\u1ec3 n\u00e2ng c\u1ea5p b\u1ea3n th\u00e2n li\u00ean t\u1ee5c, c\u00f3 nh\u01b0 v\u1eady b\u1ea1n m\u1edbi \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb b\u1ea3n th\u00e2n.<\/span>
    \nT\u00e1c d\u1ee5ng c\u1ee7a t\u00e0i kho\u1ea3n n\u00e0y l\u00e0 b\u1eaft b\u1ea1n ph\u1ea3i li\u00ean t\u1ee5c \u0111\u00e2u t\u01b0 v\u00e0o ch\u00ednh b\u1ea3n th\u00e2n m\u00ecnh, b\u1edfi \u0111\u00e2y s\u1ebd l\u00e0 kho\u1ea3n \u0111\u00e2u t\u01b0 sinh l\u1eddi nh\u1ea5t c\u1ee7a b\u1ea1n.<\/span><\/p>\n

    4. Neccessities (NEC) -T\u00e0i kho\u1ea3n chi ti\u00eau c\u1ea7n thi\u1ebft 55%<\/span><\/strong><\/em><\/span><\/p>\n

    \u0110\u00e2y l\u00e0 t\u00e0i kho\u1ea3n ti\u00eau d\u00f9ng cho nh\u1eefng chi ph\u00ed c\u1ea7n thi\u1ebft c\u1ee7a b\u1ea1n, nh\u01b0 l\u00e0 \u0103n u\u1ed1ng \u0111i l\u1ea1i, k\u1ec3 c\u1ea3 mua s\u1eafm nh\u1eefng th\u1ee9 c\u1ea7n thi\u1ebft cho b\u1ea3n th\u00e2n. C\u00f3 th\u1ec3 b\u1ea1n s\u1ebd th\u1eafc m\u1eafc l\u00e0 nhu c\u1ea7u m\u1ed7i ng\u01b0\u1eddi kh\u00e1c nhau, li\u1ec7u 55% c\u00f3 th\u1ec3 \u0111\u1ee7 h\u00e3y kh\u00f4ng. Th\u1eadt s\u1ef1 l\u00e0 th\u1ed1ng k\u00ea cho th\u1ea5y th\u00ec 55-60% n\u00e0y s\u1ebd l\u00e0 \u0111\u1ee7 cho b\u1ea1n, n\u1ebfu b\u1ea1n th\u1ea5y b\u1ea1n c\u1ea7n h\u01a1n, ch\u1ee9ng t\u1ecf vi\u1ec7c chi ti\u00eau c\u1ee7a b\u1ea1n ch\u01b0a \u0111\u1ee7 h\u1ee3p l\u00fd.<\/span>
    \nT\u00e1c d\u1ee5ng c\u1ee7a t\u00e0i kho\u1ea3n n\u00e0y l\u00e0 \u0111\u1ec3 cho b\u1ea1n bi\u1ebft \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n chi ti\u00eau c\u1ee7a m\u00ecnh l\u00e0 bao nhi\u00eau, t\u1eeb \u0111\u00f3 b\u1ea1n s\u1ebd thay \u0111\u1ed5i l\u1ed1i s\u1ed1ng cho ph\u00f9 h\u1ee3p. C\u00f2n khi b\u1ea1n ch\u01b0a bao gi\u1edd l\u00ean k\u1ebf ho\u1ea1ch r\u00f5 r\u00e0ng, b\u1ea1n th\u01b0\u1eddng s\u1ebd chi ti\u00eau v\u00f4 t\u1ed9i v\u1ea1 v\u00e0 l\u1ea5n v\u00e0o c\u00e1c t\u00e0i kho\u1ea3n kh\u00e1c<\/span><\/p>\n

    5. Play \u2013 T\u00e0i kho\u1ea3n h\u01b0\u1edfng th\u1ee5 10%<\/span><\/em><\/strong><\/span><\/p>\n

    V\u00e2ng, \u0111\u00e2y th\u1eadt s\u1ef1 l\u00e0 t\u00e0i kho\u1ea3n \u0111\u1ec3 b\u1ea1n x\u00e0i \u0111\u1ec3 tho\u1ea3 m\u00e3n nh\u01b0ng nhu c\u1ea7u xa x\u1ec9 c\u1ee7a b\u1ea3n th\u00e2n b\u1ea1n. C\u00f3 th\u1ec3 b\u1ea1n c\u1ea7n m\u1ed9t c\u00e1i \u00e1o m\u1edbi (ch\u1ec9 l\u00e0 t\u1ea1i v\u00ec b\u1ea1n th\u00edch, ch\u1ee9 kh\u00f4ng ph\u1ea3i v\u00ec nhu c\u1ea7u), mua \u0111\u0129a game, \u0111\u0129a nh\u1ea1c m\u1edbi. Th\u1eadm ch\u00ed l\u00e0 \u0111\u1ec3 \u0111i du l\u1ecbch, \u0103n u\u1ed1ng b\u00f9 kh\u00fa v\u1edbi b\u1ea1n b\u00e8.V\u00e0 h\u00e3y nh\u1edb, \u0111\u00e2y l\u00e0 kho\u1ea3n ti\u00eau x\u00e0i\u00a0B\u1eaeT BU\u1ed8C<\/em><\/strong>\u00a0m\u1ed7i th\u00e1ng, cho d\u00f9 b\u1ea1n \u0111ang c\u1ef1c k\u1ef3 d\u00e8 s\u1ebbn chi ti\u00eau, nh\u01b0ng ph\u1ea3i lu\u00f4n \u0111\u1ec3 ra 1 kho\u1ea3n cho ch\u00ednh b\u1ea3n th\u00e2n b\u1ea1n. Kho\u1ea3n n\u00e0y c\u00f3 th\u1ec3 gom l\u1ea1i v\u00e0i ba th\u00e1ng \u0111\u1ec3 x\u00e0i m\u1ed9t l\u1ea7n, nh\u01b0ng b\u1ea1n ko \u0111\u01b0\u1ee3c \u0111\u1ec3 \u0111\u00f3 qu\u00e1 l\u00e2u.<\/span>
    \nT\u00e1c d\u1ee5ng c\u1ee7a t\u00e0i kho\u1ea3n n\u00e0y l\u00e0 \u0111\u1ec3 cho b\u1ea1n th\u01b0\u1edfng cho b\u1ea3n th\u00e2n (sau 1 th\u00e1ng c\u1ef1c kh\u1ed5 ki\u1ebfm ra ti\u1ec1n), v\u00e0 ch\u1ec9 c\u00f3 nh\u01b0 v\u1eady b\u1ea1n m\u1edbi th\u1ea5y ti\u1ec1n m\u00ecnh ki\u1ebfm ra, m\u00ecnh \u0111\u01b0\u1ee3c h\u01b0\u1edfng th\u1ee5, thi b\u1ea1n s\u1ebd c\u00f3 nhi\u1ec1u \u0111\u1ed9ng l\u1ef1c \u0111\u1ec3 ki\u1ebfm th\u00eam nhi\u1ec1u ti\u1ec1n h\u01a1n<\/span><\/p>\n

    6. Give \u2013 T\u00e0i kho\u1ea3n t\u1eeb thi\u1ec7n 5%<\/strong><\/span><\/em><\/span><\/p>\n

    \u0110\u00e2y l\u00e0 t\u00e0i kho\u1ea3n \u0111\u1ec3 b\u1ea1n cho ng\u01b0\u1eddi kh\u00e1c, c\u00f3 th\u1ec3 l\u00e0 \u0111i quy\u00ean g\u00f3p t\u1eeb thi\u1ec7n, gi\u00fap c\u00e1c tr\u1ebb em ngh\u00e8o. C\u00f3 r\u1ea5t nhi\u1ec1u nh\u1eefng ho\u1ea1t \u0111\u1ed9ng m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 d\u00e0nh s\u1ed1 ti\u1ec1n n\u00e0y v\u00e0o.\u00a0 Nh\u01b0ng lu\u00f4n ph\u1ea3i nh\u1edb d\u00e0nh ra 1 kho\u1ea3n \u0111\u1ec3 gi\u00fap ng\u01b0\u1eddi kh\u00e1c.<\/span>
    \nT\u00e1c d\u1ee5ng c\u1ee7a t\u1ea1i kho\u1ea3n n\u00e0y l\u00e0 theo Law of attraction, khi b\u1ea1n cho \u0111i, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn v\u1ec1 \u2026 gi\u00fap \u0111\u01b0\u1ee3c ng\u01b0\u1eddi kh\u00e1c b\u1ea1n t\u1ea5t nhi\u00ean s\u1ebd vui h\u01a1n nhi\u1ec1u, nh\u01b0ng v\u1edbi ch\u00ednh b\u1ea3n th\u00e2n b\u1ea1n, n\u00f3 c\u0169ng s\u1ebd gi\u00fap cho b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c nh\u1eefng m\u00f3n ti\u1ec1n nhi\u1ec1u h\u01a1n trong t\u01b0\u01a1ng lai.<\/span><\/p>\n

    V\u1eady b\u00e2y gi\u1edd l\u00e0m sao \u0111\u1ec3 b\u1eaft \u0111\u1ea7u luy\u1ec7n t\u1eadp ph\u01b0\u01a1ng ph\u00e1p JARS?<\/strong><\/span><\/p>\n

    + H\u00e3y d\u00e0nh ra th\u1eddi gian \u0111\u1ec3 ng\u1ed3i t\u00ecnh to\u00e1n l\u1ea1i ti\u1ebfn b\u1ea1c c\u00e1 nh\u00e2n c\u1ee7a ch\u00ednh b\u1ea1n.<\/span>
    \n+ \u0110\u1ea7u ti\u00ean h\u00e3y ghi ra s\u1ed1 ti\u1ec1n b\u1ea1n s\u1ebd c\u00f3 m\u1ed7i th\u00e1ng l\u00e0 bao nhi\u00eau, r\u1ed3i chia \u0111\u1ec1u cho c\u00e1c t\u00e0i kho\u1ea3n theo t\u1ec9 l\u1ec7 n\u00eau tr\u00ean<\/span><\/p>\n

    + \u0110\u1ed1i v\u1edbi FFA, h\u00e3y nh\u00e2n s\u1ed1 ti\u1ec1n m\u00ecnh s\u1ebd c\u00f3 m\u1ed7i th\u00e1ng v\u1edbi 6 th\u00e1ng, 1 n\u0103m, 3 n\u0103m. M\u1ee5c ti\u00eau l\u00e0 \u0111\u1ec3 b\u1ea1n s\u1ebd c\u00f3 \u0111\u01b0\u1ee3c trong \u0111\u1ea7u s\u1ed1 ti\u1ec1n m\u00ecnh c\u00f3 th\u1ec3 d\u00f9ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 trong giai \u0111o\u1ea1n 6 th\u00e1ng s\u1eafp t\u1edbi, hay 1 ho\u1eb7c 3 n\u0103m t\u1edbi l\u00e0 bao nhi\u00eau. Khi \u0111\u00e3 c\u00f3 con s\u1ed1 trong \u0111\u1ea7u, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng ki\u1ebfm \u0111\u01b0\u1ee3c ch\u1ed7 th\u00edch h\u01a1p cho n\u00f3. C\u00f2n hi\u1ec7n t\u1ea1i th\u00ec c\u00f3 th\u1ec3 b\u1ea1n ra m\u1edf 1 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u1edf ng\u00e2n h\u00e0ng, \u0111\u1ec3 m\u1ed7i th\u00e1ng b\u1ea1n s\u1ebd b\u1ecf v\u00e0o \u0111\u00fang s\u1ed1 ti\u1ec1n trong FFA v\u00e0o \u0111\u00f3. N\u1ebfu b\u1ea1n ch\u01b0a c\u00f3 d\u1ef1 \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 trong t\u01b0\u01a1ng l\u1ea1i g\u1ea7n, c\u00f3 th\u1ec3 b\u1ea1n \u0111\u1ec3 ti\u1ebft ki\u1ec1m d\u00e0i h\u1ea1n \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t t\u1ed1t h\u01a1n.<\/span><\/p>\n

    + \u0110\u1edbi v\u1edbi LTSS, b\u1ea1n h\u00e3y \u0111at cho m\u00ecnh m\u1ed9t m\u1ee5c ti\u00eau trong t\u01b0\u01a1ng lai l\u00e0 b\u1ea1n s\u1ebd ph\u1ea3i mua c\u00e1i g\u00ec \u0111\u00f3 c\u00f3 gi\u00e1 tr\u1ecb kh\u00e1 l\u01a1n. R\u1ed3i t\u1eeb LTSS b\u1ea1n c\u00f3 m\u1ed7i th\u00e1ng, h\u00e3y t\u00ednh th\u1eed trong bao l\u00e2u b\u1ea1n s\u1ebd c\u00f3 \u0111\u1ee7, t\u1eeb \u0111\u00f3 h\u00e3y \u0111\u1eb7t quy\u1ebft t\u00e2m v\u1edbi b\u1ea3n th\u00e2n \u0111\u1ec3 h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau \u0111\u00f3.<\/span><\/p>\n

    + C\u00f2n EDU, n\u1ebfu tr\u01b0\u1edbc m\u1eaft b\u1ea1n ko c\u00f3 nh\u1eefng d\u1ef1 tinh l\u1edbn lao (nh\u01b0 \u0111\u00f3ng ti\u1ec1n \u0111\u1ec3 tham d\u1ef1 nh\u1eefng kho\u00e1 h\u1ecdc n\u00e0y kia) th\u00ec hay ngh\u0129 xem nh\u1eefng s\u00e1ch v\u1edf t\u00e0i li\u1ec7u g\u00ec b\u1ea1n c\u00f3 th\u1ec3 mua \u0111\u01b0\u1ee3c \u0111\u1ec3 \u0111\u1ecdc, h\u1ecdc h\u1ecfi v\u00e0 n\u00e2ng c\u1ea5p b\u1ea3n th\u00e2n. H\u00e3y nh\u1edb, b\u00e2y gi\u1edd b\u1ea1n \u0111\u00e3 c\u00f3 1 kho\u1ea3n cho chuy\u1ec7n \u0111\u00f3, n\u00ean ph\u1ea3i t\u1ef1 th\u00fac \u0111\u1ea9y ch\u00ednh b\u1ea3n th\u00e2n m\u00ecnh ph\u1ea3i t\u00ecm t\u00f2i h\u1ecdc h\u1ecfi nhi\u1ec1u h\u01a1n n\u1eefa. Ki\u1ebfn th\u1ee9c kh\u00f4ng bao gi\u1edd free, b\u00e2y gi\u1edd b\u1ea1n \u0111\u00e3 c\u00f3 ti\u1ec1n, t\u1ea1i sao ko \u0111i mua th\u00eam ki\u1ebfn th\u1ee9c cho m\u00ecnh.<\/span><\/p>\n

    + V\u1edbi NEC, hi\u1ec7n gi\u1edd b\u1ea1n \u0111\u00e3 bi\u1ebft gi\u1edbi h\u1ea1n chi ti\u00eau c\u1ea7n thi\u1ebft h\u00e0ng th\u00e1ng c\u1ee7a m\u00ecnh l\u00e0 bao nhi\u00eau, b\u1ea1n c\u00f3 th\u1ec3 so s\u00e1nh v\u1edbi trung b\u00ecnh ti\u00eau x\u00e0i c\u1ee7a b\u1ea1n tr\u01b0\u1edbc gi\u1edd, n\u1ebfu n\u00f3 nhi\u1ec1u h\u01a1n s\u1ed1 ti\u1ec1n b\u1ea1n c\u00f3 trong NEC, th\u00ec h\u00e3y b\u1eaft \u0111\u00e2u ng\u1ed3i suy ngh\u0129 \u0111\u1ec3 c\u1eaft gi\u1ea3m chi ti\u00eau c\u1ee7a m\u00ecnh. Ch\u1eafc ch\u1eafn khi ng\u1ed3i t\u00ednh l\u1ea1i, b\u1ea1n s\u1ebd th\u1ea5y \u0111\u01b0\u1ee3c nh\u1eefng kho\u1ea3n ko c\u1ea7n thi\u1ebft m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 ho\u00e0n to\u00e0n b\u1ecf \u0111i, v\u00e0 nh\u1ea5t l\u00e0 khi b\u1ea1n \u0111\u00e3 c\u00f3 1 con s\u1ed1 c\u1ee5 th\u1ec3 l\u00e0m gi\u1edbi h\u1ea1n, b\u1ea1n s\u1ebd r\u1ea5t d\u1ec5 d\u00e0ng \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i th\u00f3i quen ti\u00eau x\u00e0i.<\/span><\/p>\n

    + Ch\u1eafc ch\u1eafn \u0111a s\u1ed1 s\u1ebd r\u1ea5t h\u1ee9ng th\u00fa v\u1edbi PLAY, b\u1edfi v\u00ec \u0111\u00e2y l\u00e0 \u0111\u1ec3 b\u1ea1n h\u01b0\u1edfng th\u1ee5 b\u1ea3n th\u00e2n m\u00ecnh. Hay ti\u00eau x\u00e0i cho n\u00f3 th\u1eadt h\u1ee3p l\u00fd (b\u1edfi n\u00f3 c\u0169ng kh\u00f4ng qu\u00e1 nhi\u1ec1u), v\u00e0 cho \u0111\u00e1ng c\u00f4ng s\u1ee9c m\u00ecnh \u0111\u00e3 b\u1ecf ra (b\u1edfi v\u00ec n\u00f3 s\u1ebd \u0111\u1ee7 \u0111\u1ec3 b\u1ea1n t\u1ef1 th\u01b0\u1edfng cho ch\u00ednh m\u00ecnh). N\u1ebfu b\u1ea1n c\u00f3 d\u1ef1 t\u00ednh du lich, ho\u1eb7c c\u1ea7n nhi\u1ec1u h\u01a1n kho\u1ea3n PLAY cho ph\u00e9p h\u00e0ng th\u00e1ng, c\u00f3 th\u1ec3 \u0111\u1ec3 d\u00e0nh v\u00e0i th\u00e1ng cho t\u1edbi khi \u0111\u1ee7 r\u1ed3i b\u1ea1n s\u1ebd x\u00e0i chung 1 l\u1ea7n, nh\u01b0ng ph\u1ea3i nh\u1edb l\u00e0 kho\u1ea3n n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c chi, b\u1ea1n \u0111\u1eebng n\u00ean qu\u00e1 ti\u1ebft ki\u1ec7m \u0111\u1ed1i v\u1edbi b\u1ea3n th\u00ean m\u00ecnh<\/span><\/p>\n

    + V\u00e0 GIVE th\u00ec l\u00e0 kho\u1ea3n \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 l\u00e0m nh\u1eefng vi\u1ec7c t\u1eeb thi\u00ean m\u00ecnh mu\u1ed1n l\u00e0m, nh\u01b0ng ch\u01b0a bao gi\u1edd th\u1ea5y \u0111\u1ee7 ti\u1ec1n, c\u00f2n b\u00e2y gi\u1edd b\u1ea1n \u0111\u00e3 c\u00f3 m\u1ed9t kho\u1ea3n ri\u00eang, h\u00e3y \u0111i gi\u00fap ng\u01b0\u1eddi kh\u00e1c, c\u00f3 th\u1ec3 l\u00e0 b\u1ea1n b\u00e8 xung quanh, c\u00f3 th\u1ec3 l\u00e0 ng\u01b0\u1eddi xa l\u1ea1, nh\u01b0ng m\u00e0 s\u1ef1 gi\u00fap \u0111\u1ee1 n\u00f3 s\u1ebd n\u1ed1i ti\u1ebfp v\u00e0 nh\u00e2n \u0111\u00f4i t\u1eeb ng\u01b0\u1eddi n\u00e0y qua ng\u01b0\u1eddi kh\u00e1c, h\u00e3y l\u00e0 ng\u01b0\u1eddi gieo nh\u1eefng h\u1ea1t gi\u1ed1ng \u0111\u1ea7u ti\u00ean<\/span><\/p>\n

    Hi v\u1ecdng c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 d\u00f9ng ph\u01b0\u01a1ng ph\u00e1p n\u00e0y \u0111\u1ec3 qu\u1ea3n l\u00fd t\u1ed1t h\u01a1n t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n m\u00ecnh<\/span><\/p>\n

    Ngu\u1ed3n petalia<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u00e1 nh\u00e2n JARS Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u00e1 nh\u00e2n JARS \u0111\u01b0\u1ee3c ph\u00e1t minh b\u1edfi T. Harv Eker Ph\u01b0\u01a1ng ph\u00e1p JARS l\u00e0 ph\u01b0\u01a1ng ph\u00e1p nh\u1eefng c\u00e1i h\u0169, b\u1edfi ti\u1ec1n c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c chia \u0111\u1ec1u cho 6 c\u00e1i h\u0169 t\u01b0\u1ee3ng tr\u01b0ng cho 6 t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n. – …<\/p>\n","protected":false},"author":1,"featured_media":319,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"yoast_head":"\nH\u1eccC QU\u1ea2N L\u00dd T\u00c0I CH\u00cdNH C\u00c1 NH\u00c2N - Ng\u1ecdc B\u00edch Nguy\u1ec5n<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/ngocbichnguyen.com\/?p=317\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"H\u1eccC QU\u1ea2N L\u00dd T\u00c0I CH\u00cdNH C\u00c1 NH\u00c2N - Ng\u1ecdc B\u00edch Nguy\u1ec5n\" \/>\n<meta property=\"og:description\" content=\"Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u00e1 nh\u00e2n JARS Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u00e1 nh\u00e2n JARS \u0111\u01b0\u1ee3c ph\u00e1t minh b\u1edfi T. 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