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        <div id="content-top1">Page 328 - dh105</div>
        <div id="content-top2">P. 328</div>
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    <pre style="white-space:pre-line"><code>dao rá»±a cuá»‘c xáº»ng mÃ  thÃ´i. NhÆ°ng rá»“i Ä‘Ã¢u cÅ©ng vÃ o Ä‘Ã³. Chá»‹u cá»±c
khá»• há»c há»i rá»“i cÃ¡i gÃ¬ cÅ©ng xong.TÃ¹ tá»™i cá»±c khá»• Ä‘Ã³i rÃ¡ch Ä‘Ã£ quen,
bÃ¢y giá» chá»‹u khÃ³ nÃªn viá»‡c gÃ¬ lÃ m coi cÅ©ng dá»…. Nhá» dÃ nh dá»¥m vÃ 
chá»‹u khÃ³ khoáº£ng Ä‘áº§u nÄƒm 1993 lÃ  gia Ä‘Ã¬nh tÃ´i Ä‘Ã£ Ä‘á»§ tiá»n Ä‘á»ƒ â€œdown
paymentâ€ cho má»™t cÄƒn nhÃ  vÃ  chá»‰ 2 nÄƒm sau Ä‘Ã³ thÃ¬ dá»©t ná»£ ngÃ¢n
hÃ ng. LÃºc báº¥y giá» thá»‹ trÆ°á»ng nhÃ  Ä‘áº¥t á»Ÿ Texas ráº¥t ráº», dá»… mua. HÆ¡n
20 nÄƒm tÃ´i chá»‰ lÃ m má»™t hÃ£ng duy nháº¥t cho Ä‘áº¿n tuá»•i nghá»‰ hÆ°u vÃ 
cÄƒn nhÃ  tÃ´i mua váº«n cÃ²n á»Ÿ tá»›i bÃ¢y giá». TÃ´i vÃ o lÃ m á»Ÿ hÃ£ng TFI,
chuyÃªn mÃ´n sáº£n xuáº¥t Ä‘á»§ loáº¡i á»‘ng Ä‘á»“ng cho toÃ n cÃ¡c há»‡ thá»‘ng mÃ¡y
láº¡nh, hÃ£ng á»Ÿ táº­n mÃ£i thÃ nh phá»‘ Carollton gáº§n Dallas; Ä‘i vÃ  vá» 50
dáº·m má»—i ngÃ y. Báº¯t Ä‘áº§u lÆ°Æ¡ng cÃ´ng nhÃ¢n tá»‘i thiá»ƒu cá»© tháº¿ mÃ  mÃ²
lÃªn Ä‘Æ°á»£c chá»©c â€œSep Up manâ€, cÃ³ dÆ° chÃºt Ã­t tiá»n nhá» vÃ o chÆ°Æ¡ng
trÃ¬nh 401K cá»§a hÃ£ng. Äá»ƒ vá»¯ng tÃ¢m lÃ  tiá»n mÃ¬nh sáº½ khÃ´ng bá»‹ máº¥t tÃ´i
chá»n vÃ o chÆ°Æ¡ng trÃ¬nh báº£o Ä‘áº£m, lá»i Ã­t nhÆ°ng cháº¯c Äƒn. Khoáº£ng 10
nÄƒm sau tiá»n dÃ nh dá»¥m nay Ä‘Ã£ khÃ¡ vÃ¬ tháº¥y lá»i nhiá»u hÆ¡n, tÃ´i báº¯t
Ä‘áº§u mua cá»• phiáº¿u (stock). Thá»i kinh táº¿ thá»‹nh hÃ nh nÃªn tiá»n cá»•
phiáº¿u ngÃ y má»™t lÃªn vá»‘n, cho Ä‘áº¿n má»™t ngÃ y kia gáº·p lÃºc hÃ£ng lÃ m
Äƒn trÃ¬ trá»‡ nÃªn tÃ´i Ä‘Ã£ quyáº¿t Ä‘á»‹nh ngÆ°ng Ä‘Ãºng lÃºc. Biáº¿t bao ngÆ°á»i
háº§u nhÆ° máº¥t tráº¯ng khi giÃ¡ cá»• phiáº¿u xuá»‘ng táº­n Ä‘Ã¡y vÃ o lÃºc kinh táº¿
toÃ n cáº§u khá»§ng hoáº£ng nÄƒm 2008. Náº¿u má»™t ngÃ y Ä‘áº¹p trá»i nÃ o Ä‘Ã³,
báº¡n Ä‘Æ°á»£c nhÃ¢n viÃªn nhÃ  Bank nÆ¡i báº¡n gá»Ÿi tiá»n gá»i phone má»i báº¡n
Ä‘áº¿n gáº·p há» Ä‘á»ƒ Ä‘áº§u tÆ° vÃ¬ tháº¥y tiá»n trong chÆ°Æ¡ng má»¥c cá»§a báº¡n hÆ¡i
khÃ¡ nhiá»u tiá»n; báº¡n nÃªn dá»©t khoÃ¡t tá»« chá»‘i ngay vÃ¬ thÆ°á»ng cháº³ng
bao giá» cÃ³ lá»£i cho báº¡n. Há» Ä‘Æ°a ra má»™t sÆ¡ Ä‘á»“ nhÆ° dÃ£y nÃºi Hy MÃ£
Láº¡p SÆ¡n cháº¡y dÃ i tá»« tháº¥p lÃªn cao Ä‘á»ƒ dá»¥ khá»‹ báº¡n vÃ o nhá»¯ng
chÆ°Æ¡ng trÃ¬nh Ä‘áº§u tÆ° tháº­t háº¥p dáº«n, nhÆ°ng khi báº¡n Ä‘Ã£ Ä‘á»“ng Ã½ vá»›i há»
rá»“i thÃ¬ tiá»n báº¡n vá»«a gá»Ÿi sáº½ bá»‹ máº¥t há»¥t má»™t sá»‘ ngay tá»« Ä‘áº§u vÃ¬ cÃ´ng
há» Ä‘áº§u tÆ° cho báº¡n. Cuá»‘i nÄƒm dÃ¹ báº¡n Ä‘Ã£ tháº¥y tiá»n mÃ¬nh bá»‹ hao há»¥t
Ä‘i, nhÆ°ng báº¡n váº«n pháº£i khai thuáº¿ nhá»¯ng khoáº£n tiá»n lá»i, cÃ²n pháº§n
thua lá»— khÃ´ng Ä‘Æ°á»£c trá»« thuáº¿. Cho cháº¯c Äƒn báº¡n cá»© giá»¯ tiá»n mÃ¬nh
trong cÃ¡c chÆ°Æ¡ng má»¥c báº£o Ä‘áº£m lÃ  an toÃ n nháº¥t.

Chuyá»‡n quÃª mÃ¬nh, xá»© ngÆ°á»i cÃ²n biáº¿t bao nhiÃªu Ä‘iá»u Ä‘á»ƒ nÃ³i... CÃ³
nhá»¯ng chuyá»‡n mÃ¬nh nghÄ© khÃ´ng ra, khÃ´ng thá»ƒ tÆ°á»Ÿng tÆ°á»£ng,
nhÆ°ng Ä‘Ã³ lÃ  sá»± tháº­t. NgÆ°á»i Ä‘i lÃ m Ä‘Ã³ng thuáº¿ dÆ° má»™t Ã­t tiá»n khi vá»
hÆ°u thÆ°á»ng mang tÃ¢m tráº¡ng lo láº¯ng hÆ¡n ngÆ°á»i cháº³ng bao giá» Ä‘i
lÃ m. Há» khÃ´ng Ä‘Æ°á»£c hÆ°á»Ÿng Ä‘áº§y Ä‘á»§ quyá»n lá»£i chÄƒm sÃ³c y táº¿ khi
vÃ o ra bá»‡nh viá»‡n. Suy cho cÃ¹ng, lÃºc vá» giÃ  tráº¯ng tay lÃ  sÆ°á»›ng
nháº¥t, má»i viá»‡c cÃ³ chÃ­nh phá»§ lo, khá»i lÃ m phiá»n con chÃ¡u. NhÆ°ng
chuyá»‡n Ä‘Ã³, cÃ³ thá»ƒ chá»‰ xáº£y ra táº¡i Ä‘áº¥t nÆ°á»›c Hoa Ká»³ mÃ  thÃ´i.

                                             Arlington, TX Ä‘áº§u XuÃ¢n áº¤t MÃ¹i

                                                  MÅ© xanh Pháº¡m VÄƒn Tiá»n

________________________________________________________________________________

ÄA HIá»†U 104  Trang 326</code></pre>
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