{"id":3565,"date":"2022-07-06T16:17:42","date_gmt":"2022-07-06T09:17:42","guid":{"rendered":"https:\/\/bizuni.vn\/dau-tu\/?p=3565"},"modified":"2022-09-28T13:14:01","modified_gmt":"2022-09-28T06:14:01","slug":"an-toan-tai-chinh-va-dieu-can-biet-de-doi-pho-luc-kho-khan","status":"publish","type":"post","link":"https:\/\/bizuni.vn\/dau-tu\/an-toan-tai-chinh-va-dieu-can-biet-de-doi-pho-luc-kho-khan\/","title":{"rendered":"An To\u00e0n T\u00e0i Ch\u00ednh v\u00e0 \u0111i\u1ec1u c\u1ea7n bi\u1ebft \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 l\u00fac kh\u00f3 kh\u0103n"},"content":{"rendered":"<p>\u0110\u1ee3t b\u00f9ng ph\u00e1t k\u00e9o d\u00e0i c\u1ee7a Covid-19 v\u1eeba qua \u0111\u00e3 khi\u1ebfn nhi\u1ec1u gia \u0111\u00ecnh, nhi\u1ec1u ng\u01b0\u1eddi r\u01a1i v\u00e0o c\u1ea3nh t\u00fang thi\u1ebfu. Trong khi \u0111\u00f3, m\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n d\u00f9 kh\u00f4ng gi\u00e0u nh\u01b0ng v\u1eabn c\u00f3 th\u1ec3 v\u01b0\u1ee3t qua. <\/p>\n<p>Theo quan s\u00e1t c\u1ee7a chuy\u00ean gia T\u00e0i ch\u00ednh L\u00e2m Minh Ch\u00e1nh, \u0111a s\u1ed1 nh\u1eefng ng\u01b0\u1eddi thu\u1ed9c nh\u00f3m hai c\u00f3 qu\u1ef9 kh\u1ea9n c\u1ea5p, do \u0111\u00f3 \u0111\u1ea1t m\u1ee9c an to\u00e0n t\u00e0i ch\u00ednh \u0111\u1ee7 \u0111\u1ec3 \u0111\u1ed1i di\u1ec7n kh\u00f3 kh\u0103n. Trong b\u00e0i vi\u1ebft sau, \u00f4ng chia s\u1ebb v\u1edbi\u00a0Zing\u00a0c\u00e1ch ti\u1ebft ki\u1ec7m v\u00e0 con \u0111\u01b0\u1eddng d\u1eabn \u0111\u1ebfn tr\u1ea1ng th\u00e1i an to\u00e0n n\u00e0y.<\/p>\n<h6><span style=\"color: #ff6600;\">AN TO\u00c0N T\u00c0I CH\u00cdNH L\u00c0 G\u00cc?<\/span><\/h6>\n<p>An to\u00e0n v\u1ec1 t\u00e0i ch\u00ednh l\u00e0\u00a0m\u1ee5c ti\u00eau th\u1ea5p nh\u1ea5t, c\u01a1 b\u1ea3n nh\u1ea5t\u00a0trong c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh.<br \/>\nTheo t\u00e1c gi\u1ea3 Tony Robbins, ch\u00fang ta c\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ea1t m\u1ee9c \u0111\u1ed9 an to\u00e0n t\u00e0i ch\u00ednh khi\u00a0s\u1edf h\u1eefu ng\u00e2n s\u00e1ch \u0111\u1ee7 \u0111\u1ec3 cung c\u1ea5p c\u00e1c nhu c\u1ea7u thi\u1ebft y\u1ebfu, bao g\u1ed3m nh\u00e0 \u1edf, ti\u1ec7n \u00edch, \u0103n u\u1ed1ng, \u0111i l\u1ea1i,&#8230; trong\u00a0m\u1ed9t n\u0103m\u00a0m\u00e0 kh\u00f4ng c\u1ea7n l\u00e0m vi\u1ec7c.<\/p>\n<p>V\u00ed d\u1ee5, m\u1ed9t ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp 30 tri\u1ec7u \u0111\u1ed3ng v\u00e0 th\u01b0\u1eddng chi 25 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng cho sinh ho\u1ea1t, trong \u0111\u00f3 nhu c\u1ea7u thi\u1ebft y\u1ebfu chi\u1ebfm 15 tri\u1ec7u \u0111\u1ed3ng. \u0110\u1ec3 \u0111\u1ea1t m\u1ee9c an to\u00e0n t\u00e0i ch\u00ednh, h\u1ecd s\u1ebd c\u1ea7n m\u1ed9t qu\u1ef9 g\u1ed3m ti\u1ec1n m\u1eb7t, ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i s\u1ea3n d\u1ec5 thanh kho\u1ea3n nh\u01b0 ch\u1ee9ng kho\u00e1n v\u1edbi t\u1ed5ng gi\u00e1 tr\u1ecb l\u00e0 180 tri\u1ec7u \u0111\u1ed3ng (15 tri\u1ec7u \u0111\u1ed3ng x 12 th\u00e1ng).<\/p>\n<p>Nh\u1eefng ng\u01b0\u1eddi c\u00f3 qu\u1ef9 an to\u00e0n t\u00e0i ch\u00ednh s\u1ebd v\u01b0\u1ee3t qua \u0111\u01b0\u1ee3c r\u1ee7i ro thi\u00ean nga \u0111en, ngh\u0129a l\u00e0 v\u1ea5n \u0111\u1ec1 x\u1ea3y ra b\u1ea5t ng\u1edd v\u00e0 \u0111\u1ec3 l\u1ea1i h\u1eadu qu\u1ea3 l\u1edbn nh\u01b0 d\u1ecbch Covid-19. Ng\u01b0\u1ee3c l\u1ea1i, ng\u01b0\u1eddi kh\u00f4ng c\u00f3 qu\u1ef9 tr\u00ean c\u00f3 xu h\u01b0\u1edbng ph\u00f3 m\u1eb7c t\u01b0\u01a1ng lai c\u1ee7a m\u00ecnh v\u00e0 gia \u0111\u00ecnh cho b\u1ea5t tr\u1eafc.<\/p>\n<figure style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"\/upload\/images\/tin-tuc\/An%20To%C3%A0n%20T%C3%A0i%20Ch%C3%ADnh%20v%C3%A0%20%C4%90i%E1%BB%81u%20c%E1%BA%A7n%20bi%E1%BA%BFt%20%C4%91%E1%BB%83%20%C4%90%E1%BB%91i%20ph%C3%B3%20l%C3%BAc%20Kh%C3%B3%20kh%C4%83n_%20(5).png\" alt=\"l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ea1t an to\u00e0n t\u00e0i ch\u00ednh\" width=\"1200\" height=\"628\" data-cke-saved-src=\"\/upload\/images\/tin-tuc\/An%20To%C3%A0n%20T%C3%A0i%20Ch%C3%ADnh%20v%C3%A0%20%C4%90i%E1%BB%81u%20c%E1%BA%A7n%20bi%E1%BA%BFt%20%C4%91%E1%BB%83%20%C4%90%E1%BB%91i%20ph%C3%B3%20l%C3%BAc%20Kh%C3%B3%20kh%C4%83n_%20(5).png\" \/><figcaption class=\"wp-caption-text\">(Nh\u1eefng ng\u01b0\u1eddi c\u00f3 qu\u1ef9 an to\u00e0n t\u00e0i ch\u00ednh s\u1ebd\u00a0v\u01b0\u1ee3t qua \u0111\u01b0\u1ee3c r\u1ee7i ro thi\u00ean nga \u0111en, ngh\u0129a l\u00e0 v\u1ea5n \u0111\u1ec1 x\u1ea3y ra b\u1ea5t ng\u1edd v\u00e0 \u0111\u1ec3 l\u1ea1i h\u1eadu qu\u1ea3 l\u1edbn nh\u01b0 d\u1ecbch Covid-19)<\/figcaption><\/figure>\n<h6><span style=\"color: #ff6600;\">L\u00c0M TH\u1ebe N\u00c0O \u0110\u1ec2 \u0110\u1ea0T M\u1ee8C AN TO\u00c0N T\u00c0I CH\u00cdNH?<\/span><\/h6>\n<p>V\u1edbi ng\u01b0\u1eddi c\u00f3 c\u1ee7a \u0103n c\u1ee7a \u0111\u1ec3, con \u0111\u01b0\u1eddng \u0111\u1ea1t an to\u00e0n t\u00e0i ch\u00ednh r\u1ea5t \u0111\u01a1n gi\u1ea3n. Tuy v\u1eady, v\u1edbi c\u00e1c gia \u0111\u00ecnh b\u00ecnh th\u01b0\u1eddng, s\u1ed1ng v\u1eeba \u0111\u1ee7 d\u1ef1a tr\u00ean thu nh\u1eadp h\u00e0ng th\u00e1ng, \u0111\u00e2y l\u1ea1i l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 nan gi\u1ea3i.<\/p>\n<p>Mu\u1ed1n an to\u00e0n v\u00e0 \u0111\u1ea1t nh\u1eefng m\u1ee5c ti\u00eau cao h\u01a1n, ch\u00fang ta ph\u1ea3i hi\u1ec3u r\u00f5 th\u1ebf n\u00e0o l\u00e0 qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c. N\u00f3i ng\u1eafn g\u1ecdn, qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n bao g\u1ed3m c\u00e1c b\u01b0\u1edbc:<\/p>\n<ul>\n<li>Ki\u1ebfm ti\u1ec1n nhi\u1ec1u nh\u1ea5t c\u00f3 th\u1ec3. Ki\u1ebfm ti\u1ec1n v\u1edbi h\u1ebft ti\u1ec1m n\u0103ng, c\u00f4ng su\u1ea5t c\u1ee7a m\u00ecnh.<\/li>\n<li>Ti\u1ebft ki\u1ec7m r\u1ed3i m\u1edbi s\u1eed d\u1ee5ng ti\u1ec1n theo th\u1ee9 t\u1ef1 \u01b0u ti\u00ean v\u00e0 theo m\u1ee9c \u0111\u1ed9 thi\u1ebft y\u1ebfu.<\/li>\n<li>B\u1ea3o v\u1ec7, gi\u1eef ti\u1ec1n tr\u01b0\u1edbc l\u1ea1m ph\u00e1t, r\u1ee7i ro v\u00e0 s\u1ef1 thua l\u1ed7 trong \u0111\u1ea7u t\u01b0.<\/li>\n<li>X\u00e2y d\u1ef1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111\u1ec3 ti\u1ec1n t\u00edch l\u0169y sinh s\u00f4i.<\/li>\n<li>\u0110\u1ea1t nh\u1eefng m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u1eb7t ra. Trong ng\u1eafn h\u1ea1n l\u00e0 an to\u00e0n t\u00e0i ch\u00ednh c\u00f2n d\u00e0i h\u1ea1n l\u00e0 \u0111\u1ed9c l\u1eadp, t\u1ef1 do v\u1ec1 t\u00e0i ch\u00ednh.<\/li>\n<\/ul>\n<figure style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"\/upload\/images\/tin-tuc\/An%20To%C3%A0n%20T%C3%A0i%20Ch%C3%ADnh%20v%C3%A0%20%C4%90i%E1%BB%81u%20c%E1%BA%A7n%20bi%E1%BA%BFt%20%C4%91%E1%BB%83%20%C4%90%E1%BB%91i%20ph%C3%B3%20l%C3%BAc%20Kh%C3%B3%20kh%C4%83n_%20(7).png\" alt=\"l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ea1t an to\u00e0n t\u00e0i ch\u00ednh\" width=\"1200\" height=\"628\" data-cke-saved-src=\"\/upload\/images\/tin-tuc\/An%20To%C3%A0n%20T%C3%A0i%20Ch%C3%ADnh%20v%C3%A0%20%C4%90i%E1%BB%81u%20c%E1%BA%A7n%20bi%E1%BA%BFt%20%C4%91%E1%BB%83%20%C4%90%E1%BB%91i%20ph%C3%B3%20l%C3%BAc%20Kh%C3%B3%20kh%C4%83n_%20(7).png\" \/><figcaption class=\"wp-caption-text\">(Mu\u1ed1n an to\u00e0n v\u00e0 \u0111\u1ea1t nh\u1eefng m\u1ee5c ti\u00eau cao h\u01a1n, ch\u00fang ta ph\u1ea3i hi\u1ec3u r\u00f5 th\u1ebf n\u00e0o l\u00e0 qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c)<\/figcaption><\/figure>\n<h6><span style=\"color: #ff6600;\">C\u1ed0 G\u1eaeNG KI\u1ebeM TI\u1ec0N<\/span><\/h6>\n<p>H\u1ea7u h\u1ebft ch\u00fang ta nhi\u1ec7t huy\u1ebft trong vi\u1ec7c ki\u1ebfm ti\u1ec1n khi c\u00f2n tr\u1ebb v\u00e0 m\u1edbi c\u00f3 vi\u1ec7c l\u00e0m. Tuy nhi\u00ean, v\u00e0i n\u0103m sau khi \u0111\u00e3 c\u00f3 th\u1ec3 chu c\u1ea5p cho cu\u1ed9c s\u1ed1ng, nhi\u1ec1u ng\u01b0\u1eddi th\u01b0\u1eddng h\u00e0i l\u00f2ng v\u1edbi m\u1ee9c l\u01b0\u01a1ng v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng s\u1ed1ng \u0111ang c\u00f3. \u0110i\u1ec1u n\u00e0y ho\u00e0n to\u00e0n kh\u00f4ng n\u00ean.<\/p>\n<p>\u1ede c\u00e1c n\u01b0\u1edbc t\u01b0 b\u1ea3n, \u0111a ph\u1ea7n nh\u1eefng ng\u01b0\u1eddi tr\u1ebb l\u00e0m vi\u1ec7c r\u1ea5t c\u1eadt l\u1ef1c. H\u1ecd l\u00e0m th\u00eam gi\u1edd, \u0111\u1ed3ng th\u1eddi nh\u1eadn vi\u1ec7c th\u1ee9 hai \u0111\u1ec3 ki\u1ebfm th\u00eam thu nh\u1eadp, trang tr\u1ea3i chi ph\u00ed v\u00e0 \u0111\u1ec3 t\u00edch l\u0169y cho t\u01b0\u01a1ng lai.<\/p>\n<p>Khi b\u1ea1n c\u00f2n c\u00f3 th\u1ec3 lao \u0111\u1ed9ng v\u00e0 minh m\u1eabn tr\u00ed \u00f3c, h\u00e3y t\u0103ng thu nh\u1eadp b\u1eb1ng m\u1ecdi c\u00e1ch, mi\u1ec5n l\u00e0 l\u00e0m c\u00f4ng vi\u1ec7c l\u01b0\u01a1ng thi\u1ec7n, ch\u00e2n ch\u00ednh.<\/p>\n<p>Th\u1ebf gi\u1edbi th\u1eddi 3.5, 4.0 hi\u1ec7n nay \u0111em \u0111\u1ebfn cho ch\u00fang ta r\u1ea5t nhi\u1ec1u c\u01a1 h\u1ed9i \u0111\u1ec3 tr\u1ea3i nghi\u1ec7m c\u00f4ng vi\u1ec7c trong ng\u00e0nh, ngo\u00e0i ng\u00e0nh. Quan tr\u1ecdng l\u00e0 ch\u00fang ta c\u00f3 n\u1ed7 l\u1ef1c hay kh\u00f4ng.<\/p>\n<p>Ki\u1ebfm ti\u1ec1n nhi\u1ec1u nh\u1ea5t c\u00f3 th\u1ec3 l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean v\u00e0 quan tr\u1ecdng trong qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n.<\/p>\n<figure style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"\/upload\/images\/tin-tuc\/An%20To%C3%A0n%20T%C3%A0i%20Ch%C3%ADnh%20v%C3%A0%20%C4%90i%E1%BB%81u%20c%E1%BA%A7n%20bi%E1%BA%BFt%20%C4%91%E1%BB%83%20%C4%90%E1%BB%91i%20ph%C3%B3%20l%C3%BAc%20Kh%C3%B3%20kh%C4%83n_%20(8).png\" alt=\"l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ea1t an to\u00e0n t\u00e0i ch\u00ednh\" width=\"1200\" height=\"628\" data-cke-saved-src=\"\/upload\/images\/tin-tuc\/An%20To%C3%A0n%20T%C3%A0i%20Ch%C3%ADnh%20v%C3%A0%20%C4%90i%E1%BB%81u%20c%E1%BA%A7n%20bi%E1%BA%BFt%20%C4%91%E1%BB%83%20%C4%90%E1%BB%91i%20ph%C3%B3%20l%C3%BAc%20Kh%C3%B3%20kh%C4%83n_%20(8).png\" \/><figcaption class=\"wp-caption-text\">(Khi b\u1ea1n c\u00f2n c\u00f3 th\u1ec3 lao \u0111\u1ed9ng v\u00e0 minh m\u1eabn tr\u00ed \u00f3c, h\u00e3y t\u0103ng thu nh\u1eadp b\u1eb1ng m\u1ecdi c\u00e1ch, mi\u1ec5n l\u00e0 l\u00e0m c\u00f4ng vi\u1ec7c l\u01b0\u01a1ng thi\u1ec7n, ch\u00e2n ch\u00ednh)<\/figcaption><\/figure>\n<h6><span style=\"color: #ff6600;\">TI\u1ebeT KI\u1ec6M TR\u01af\u1edaC KHI S\u1eec D\u1ee4NG TI\u1ec0N<\/span><\/h6>\n<p>Ng\u01b0\u1eddi ta th\u01b0\u1eddng n\u00f3i ki\u1ebfm ti\u1ec1n th\u00ec kh\u00f3 nh\u01b0ng s\u1eed d\u1ee5ng ti\u1ec1n th\u00ec d\u1ec5, v\u00e0 ai c\u0169ng bi\u1ebft c\u00e1ch s\u1eed d\u1ee5ng ti\u1ec1n.<\/p>\n<p>Th\u1ef1c ra, c\u00e2u n\u00f3i \u0111\u00f3 kh\u00f4ng \u0111\u00fang. Ki\u1ebfm ti\u1ec1n l\u00e0 m\u1ed9t vi\u1ec7c kh\u00f3, nh\u01b0ng d\u00f9ng ti\u1ec1n m\u1ed9t c\u00e1ch th\u00f4ng minh, h\u1ee3p l\u00fd \u0111\u1ec3 \u0111\u1ea1t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u00f2n kh\u00f3 h\u01a1n. Kh\u00f4ng \u00edt ng\u01b0\u1eddi c\u00f3 quan ni\u1ec7m sai l\u1ea7m v\u1ec1 ti\u1ebft ki\u1ec7m. \u0110i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn vi\u1ec7c h\u1ecd x\u00e0i ti\u1ec1n theo \u00fd mu\u1ed1n v\u00e0 c\u1ed1 g\u1eafng c\u1eaft b\u1edbt chi ti\u00eau \u0111\u1ec3 d\u00e0nh d\u1ee5m sau \u0111\u00f3. Ng\u01b0\u1eddi n\u00e0o gi\u1ecfi h\u01a1n th\u00ec c\u00f3 k\u1ebf ho\u1ea1ch c\u1ee5 th\u1ec3 v\u00e0 gi\u1ea3m c\u00e1c kho\u1ea3n ch\u01b0a c\u1ea7n thi\u1ebft.<\/p>\n<p>C\u00e1ch l\u00e0m tr\u00ean ch\u01b0a ch\u00ednh x\u00e1c. L\u00fd do l\u00e0 ng\u01b0\u1eddi qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n t\u1ed1t s\u1ebd ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng. H\u1ecd d\u00e0nh m\u1ed9t ph\u1ea7n cho t\u00edch l\u0169y tr\u01b0\u1edbc khi ph\u00e2n b\u1ed5 ti\u1ec1n v\u00e0o c\u00e1c qu\u1ef9 kh\u00e1c. B\u1ea1n c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u th\u1ef1c h\u00e0nh b\u1eb1ng c\u00e1ch\u00a0gi\u1eef l\u1ea1i 10-15% s\u1ed1 ti\u1ec1n m\u1edbi c\u00f3, \u0111\u01b0a n\u00f3 v\u00e0o m\u1ed9t qu\u1ef9 ri\u00eang. S\u1ed1 c\u00f2n l\u1ea1i ph\u00e2n b\u1ed5 v\u00e0o c\u00e1c qu\u1ef9 nh\u01b0 sinh ho\u1ea1t thi\u1ebft y\u1ebfu, chi ti\u00eau mua s\u1eafm, qu\u1ef9 \u0111\u00e0o t\u1ea1o, giao ti\u1ebfp, du l\u1ecbch,&#8230;<\/p>\n<p>N\u1ebfu ai \u0111\u00f3 c\u1ea3m th\u1ea5y h\u1ecd \u0111ang ph\u1ea3i th\u1eaft l\u01b0ng bu\u1ed9c b\u1ee5ng, kh\u00f4ng th\u1ec3 tr\u00edch ra 10% hay 15%, h\u1ecd c\u00f3 th\u1ec3 xem l\u1ea1i b\u1ea3n th\u00e2n c\u00f3 \u0111ang \u0103n ngo\u00e0i, u\u1ed1ng c\u00e0 ph\u00ea, mua s\u1eafm,&#8230; hay kh\u00f4ng. Nguy\u00ean t\u1eafc qu\u1ea3n tr\u1ecb ti\u1ec1n n\u00f3i r\u1eb1ng ch\u1ec9 khi n\u00e0o ch\u00fang ta \u0111ang s\u1ed1ng \u1edf ch\u1ebf \u0111\u1ed9 t\u1ed1i thi\u1ec3u, ngh\u0129a l\u00e0 ch\u1ec9 \u0111\u1ee7 ti\u1ec1n \u0103n \u1edf, \u0111i l\u1ea1i v\u00e0 kh\u00f4ng d\u01b0 \u0111\u1ed3ng n\u00e0o, ch\u00fang ta m\u1edbi kh\u00f4ng th\u1ec3 ti\u1ebft ki\u1ec7m.<\/p>\n<figure style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"\/upload\/images\/tin-tuc\/An%20To%C3%A0n%20T%C3%A0i%20Ch%C3%ADnh%20v%C3%A0%20%C4%90i%E1%BB%81u%20c%E1%BA%A7n%20bi%E1%BA%BFt%20%C4%91%E1%BB%83%20%C4%90%E1%BB%91i%20ph%C3%B3%20l%C3%BAc%20Kh%C3%B3%20kh%C4%83n_%20(4).png\" alt=\"\" width=\"1200\" height=\"628\" data-cke-saved-src=\"\/upload\/images\/tin-tuc\/An%20To%C3%A0n%20T%C3%A0i%20Ch%C3%ADnh%20v%C3%A0%20%C4%90i%E1%BB%81u%20c%E1%BA%A7n%20bi%E1%BA%BFt%20%C4%91%E1%BB%83%20%C4%90%E1%BB%91i%20ph%C3%B3%20l%C3%BAc%20Kh%C3%B3%20kh%C4%83n_%20(4).png\" \/><figcaption class=\"wp-caption-text\">(B\u1ea1n c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u th\u1ef1c h\u00e0nh b\u1eb1ng c\u00e1ch\u00a0gi\u1eef l\u1ea1i 10-15% s\u1ed1 ti\u1ec1n m\u1edbi c\u00f3, \u0111\u01b0a n\u00f3 v\u00e0o m\u1ed9t qu\u1ef9 ri\u00eang. S\u1ed1 c\u00f2n l\u1ea1i ph\u00e2n b\u1ed5 v\u00e0o c\u00e1c qu\u1ef9 nh\u01b0 sinh ho\u1ea1t thi\u1ebft y\u1ebfu, chi ti\u00eau mua s\u1eafm, qu\u1ef9 \u0111\u00e0o t\u1ea1o, giao ti\u1ebfp, du l\u1ecbch,&#8230;)<\/figcaption><\/figure>\n<h6><span style=\"color: #ff6600;\">T\u00ccM C\u00c1CH GI\u1eee TI\u1ec0N<\/span><\/h6>\n<p>R\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi m\u1ea5t ti\u1ec1n h\u00e0ng ng\u00e0y v\u00ec ch\u01b0a bi\u1ebft c\u00e1ch gi\u1eef ti\u1ec1n. Nguy\u00ean nh\u00e2n v\u00e0 h\u01b0\u1edbng ph\u00f2ng ng\u1eeba g\u1ed3m:<br \/>\n&#8211; M\u1ea5t ti\u1ec1n v\u00ec l\u1ea1m ph\u00e1t: H\u00e3y \u0111\u1ea7u t\u01b0 \u0111\u1ec3 ti\u1ec1n sinh s\u00f4i v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n t\u1ef7 l\u1ec7 l\u1ea1m ph\u00e1t.<br \/>\n&#8211; M\u1ea5t ti\u1ec1n v\u00ec nh\u1eefng r\u1ee7i ro ngo\u00e0i \u00fd mu\u1ed1n: T\u00ecm hi\u1ec3u v\u00e0 mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 b\u1ea3o v\u1ec7 d\u00f2ng ti\u1ec1n.<br \/>\n&#8211; M\u1ea5t ti\u1ec1n v\u00ec vay ti\u00eau d\u00f9ng qu\u00e1 nhi\u1ec1u: T\u1eadp mua t\u1eeb ti\u1ec1n c\u1ee7a m\u00ecnh, \u0111\u1eebng vay tr\u01b0\u1edbc v\u1edbi l\u00e3i su\u1ea5t cao \u0111\u1ec3 th\u1ecfa m\u00e3n nhu c\u1ea7u nh\u1ea5t th\u1eddi.<br \/>\nNgo\u00e0i ra, ch\u00fang ta c\u00f2n c\u00f3 th\u1ec3 m\u1ea5t ti\u1ec1n v\u00ec \u0111\u1ea7u t\u01b0 v\u00e0o nh\u1eefng c\u00f4ng c\u1ee5 m\u00e0 m\u00ecnh kh\u00f4ng hi\u1ec3u r\u00f5, ho\u1eb7c \u0111\u1ea7u t\u01b0 v\u1edbi \u0111\u00f2n b\u1ea9y qu\u00e1 cao; m\u1ea5t ti\u1ec1n v\u00ec b\u1ecb l\u1eeba v\u00e0o nh\u1eefng d\u1ef1 \u00e1n &#8220;d\u1ecfm&#8221;. \u0110\u1ec3 h\u1ea1n ch\u1ebf, ch\u00fang ta c\u1ea7n hi\u1ec3u nh\u1eefng nguy\u00ean t\u1eafc quan tr\u1ecdng tr\u01b0\u1edbc khi xu\u1ed1ng ti\u1ec1n \u0111\u1ea7u t\u01b0.<\/p>\n<h6><span style=\"color: #ff6600;\">\u0110\u1ea6U T\u01af \u0110\u1ec2 TI\u1ec0N SINH RA TI\u1ec0N<\/span><\/h6>\n<p>N\u00f3i \u0111\u1ebfn qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh l\u00e0 n\u00f3i \u0111\u1ebfn l\u00e3i su\u1ea5t, t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn. Ch\u00fang ta s\u1ebd kh\u00f4ng bao gi\u1edd \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh cho m\u00ecnh v\u00e0 gia \u0111\u00ecnh n\u1ebfu kh\u00f4ng bi\u1ebft \u0111\u1ea7u t\u01b0 \u0111\u1ec3 ti\u1ec1n sinh ra ti\u1ec1n.<br \/>\nN\u1ebfu b\u1ea1n kh\u00f4ng c\u00f3 th\u1eddi gian t\u00ecm hi\u1ec3u th\u00ec vi\u1ec7c\u00a0\u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng c\u1ee5 c\u01a1 b\u1ea3n, l\u00e3i su\u1ea5t 5-10%\/n\u0103m nh\u01b0 g\u1eedi ng\u00e2n h\u00e0ng, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, v\u00e0ng v\u1eadt ch\u1ea5t, tr\u00e1i phi\u1ebfu c\u1ee7a c\u00e1c doanh nghi\u1ec7p h\u00e0ng \u0111\u1ea7u hay ch\u1ee9ng ch\u1ec9 qu\u1ef9 c\u00f3 th\u1ec3 ph\u00f9 h\u1ee3p.<br \/>\nN\u1ebfu mu\u1ed1n ti\u1ec1n sinh s\u00f4i v\u1edbi t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn cao h\u01a1n, t\u1eeb 10% \u0111\u1ebfn 25% m\u1ed9t n\u0103m, b\u1ea1n n\u00ean x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng v\u1edbi ki\u1ebfn th\u1ee9c v\u1eefng v\u00e0ng, sau \u0111\u00f3\u00a0\u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng c\u1ee5 t\u0103ng tr\u01b0\u1edfng\u00a0nh\u01b0 <a href=\"https:\/\/bizuni.vn\/dau-tu-co-phieu-dai-han-dat-ty-suat-loi-nhuan-cao\">ch\u1ee9ng kho\u00e1n<\/a>, b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n<h6><span style=\"color: #ff6600;\">HI\u1ec2U R\u00d5 C\u00c1C R\u1ee6I RO KHI \u0110\u1ea6U T\u01af<\/span><\/h6>\n<p>Hi\u1ec3u r\u00f5 c\u00e1c r\u1ee7i ro khi \u0111\u1ea7u t\u01b0 l\u00e0 \u0111i\u1ec1u quan tr\u1ecdng, b\u00ean c\u1ea1nh vi\u1ec7c hi\u1ec3u c\u01a1 ch\u1ebf t\u1ea1o gi\u00e1 tr\u1ecb, t\u1ea1o l\u1ee3i nhu\u1eadn c\u1ee7a m\u1ed9t c\u00f4ng c\u1ee5. Tr\u1edf l\u1ea1i v\u1edbi v\u00ed d\u1ee5 ban \u0111\u1ea7u, l\u00e0m sao \u0111\u1ec3 c\u00f3 180 tri\u1ec7u \u0111\u1ed3ng?<\/p>\n<p>Gi\u1ea3 s\u1eed, ng\u01b0\u1eddi \u0111\u00f3 g\u1eedi v\u00e0o ng\u00e2n h\u00e0ng \u0111\u1ec1u \u0111\u1eb7n s\u1ed1 ti\u1ec1n 5 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i th\u00e1ng, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n 0.5%\/th\u00e1ng, h\u1ecd s\u1ebd c\u00f3 185 tri\u1ec7u \u0111\u1ed3ng sau 34 th\u00e1ng. S\u1ed1 ti\u1ec1n tr\u00ean \u0111\u1ee7 \u0111\u1ec3 ng\u01b0\u1eddi n\u00e0y s\u1eed d\u1ee5ng cho c\u00e1c nhu c\u1ea7u thi\u1ebft y\u1ebfu trong m\u1ed9t n\u0103m n\u1ebfu c\u00f3 r\u1ee7i ro x\u1ea3y ra. Ho\u1eb7c, n\u1ebfu kh\u00f4ng c\u00f3 r\u1ee7i ro, ti\u1ec1n s\u1ebd \u1edf trong qu\u1ef9 an to\u00e0n t\u00e0i ch\u00ednh, gi\u00fap c\u00e1 nh\u00e2n \u0111\u1ea1t \u0111\u1ed9c l\u1eadp v\u00e0 t\u1ef1 do t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai.<\/p>\n<p><img decoding=\"async\" src=\"\/upload\/images\/tin-tuc\/SAVE%201.PNG\" alt=\"Lam Minh Chanh\" data-cke-saved-src=\"\/upload\/images\/tin-tuc\/SAVE%201.PNG\" \/><\/p>\n<hr \/>\n<p><em>B\u00e0i ph\u1ecfng v\u1ea5n doanh nh\u00e2n, t\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh tr\u00ean b\u00e1o \u0111i\u1ec7n t\u1eed Zing.vn &#8211; Ph\u00f3ng vi\u00ean Thi\u00ean H\u00e2n th\u1ef1c hi\u1ec7n.<br \/>\nLink b\u00e0i g\u1ed1c: <\/em><em>https:\/\/zingnews.vn\/an-toan-tai-chinh-va-dieu-can-biet-de-doi-pho-luc-kho-khan-post1271544.html<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u1ee3t b\u00f9ng ph\u00e1t k\u00e9o d\u00e0i c\u1ee7a Covid-19 v\u1eeba qua \u0111\u00e3 khi\u1ebfn nhi\u1ec1u gia \u0111\u00ecnh, nhi\u1ec1u ng\u01b0\u1eddi r\u01a1i v\u00e0o c\u1ea3nh t\u00fang thi\u1ebfu. Trong khi \u0111\u00f3, m\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n d\u00f9 kh\u00f4ng gi\u00e0u nh\u01b0ng v\u1eabn c\u00f3 th\u1ec3 v\u01b0\u1ee3t qua. Theo quan s\u00e1t c\u1ee7a chuy\u00ean gia T\u00e0i ch\u00ednh L\u00e2m Minh Ch\u00e1nh, \u0111a s\u1ed1 nh\u1eefng ng\u01b0\u1eddi thu\u1ed9c nh\u00f3m hai&#8230;<\/p>\n","protected":false},"author":2,"featured_media":3568,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[2],"tags":[57,20,29,17,30],"class_list":["post-3565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tai-chinh-ca-nhan","tag-an-toan-tai-chinh","tag-dau-tu-chung-khoan-dai-han","tag-doc-lap-tai-chinh","tag-tai-chinh-ca-nhan","tag-tu-do-tai-chinh"],"featured_image_src_large":["https:\/\/i0.wp.com\/bizuni.vn\/dau-tu\/wp-content\/uploads\/2022\/07\/an-toan-tai-chinh-lam-minh-chanh.jpg?fit=1024%2C536&ssl=1",1024,536,true],"author_info":{"display_name":"Hi\u1ec1n Nguy\u1ec5n","author_link":"https:\/\/bizuni.vn\/dau-tu\/author\/hn\/"},"comment_info":0,"category_info":[{"term_id":2,"name":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n","slug":"tai-chinh-ca-nhan","term_group":0,"term_taxonomy_id":2,"taxonomy":"category","description":"Chuy\u00ean trang g\u1ed3m nh\u1eefng b\u00e0i vi\u1ebft v\u1ec1 T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a t\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh","parent":0,"count":17,"filter":"raw","cat_ID":2,"category_count":17,"category_description":"Chuy\u00ean trang g\u1ed3m nh\u1eefng b\u00e0i vi\u1ebft v\u1ec1 T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a t\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh","cat_name":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n","category_nicename":"tai-chinh-ca-nhan","category_parent":0}],"tag_info":[{"term_id":57,"name":"an to\u00e0n t\u00e0i ch\u00ednh","slug":"an-toan-tai-chinh","term_group":0,"term_taxonomy_id":57,"taxonomy":"post_tag","description":"","parent":0,"count":2,"filter":"raw"},{"term_id":20,"name":"\u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n d\u00e0i h\u1ea1n","slug":"dau-tu-chung-khoan-dai-han","term_group":0,"term_taxonomy_id":20,"taxonomy":"post_tag","description":"","parent":0,"count":2,"filter":"raw"},{"term_id":29,"name":"\u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh","slug":"doc-lap-tai-chinh","term_group":0,"term_taxonomy_id":29,"taxonomy":"post_tag","description":"","parent":0,"count":3,"filter":"raw"},{"term_id":17,"name":"t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n","slug":"tai-chinh-ca-nhan","term_group":0,"term_taxonomy_id":17,"taxonomy":"post_tag","description":"","parent":0,"count":9,"filter":"raw"},{"term_id":30,"name":"t\u1ef1 do t\u00e0i ch\u00ednh","slug":"tu-do-tai-chinh","term_group":0,"term_taxonomy_id":30,"taxonomy":"post_tag","description":"","parent":0,"count":4,"filter":"raw"}],"taxonomy_info":{"category":[{"value":2,"label":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n"}],"post_tag":[{"value":57,"label":"an to\u00e0n t\u00e0i ch\u00ednh"},{"value":20,"label":"\u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n d\u00e0i h\u1ea1n"},{"value":29,"label":"\u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh"},{"value":17,"label":"t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n"},{"value":30,"label":"t\u1ef1 do t\u00e0i ch\u00ednh"}]},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bizuni.vn\/dau-tu\/wp-content\/uploads\/2022\/07\/an-toan-tai-chinh-lam-minh-chanh.jpg?fit=1200%2C628&ssl=1","_links":{"self":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3565","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/comments?post=3565"}],"version-history":[{"count":3,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3565\/revisions"}],"predecessor-version":[{"id":3594,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3565\/revisions\/3594"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/media\/3568"}],"wp:attachment":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/media?parent=3565"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/categories?post=3565"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/tags?post=3565"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}