B\u1ea1n c\u00f3 bao gi\u1edd t\u1ef1 h\u1ecfi: “M\u00ecnh s\u1ebd s\u1ed1ng b\u1eb1ng g\u00ec khi v\u1ec1 gi\u00e0?” V\u1edbi tu\u1ed5i th\u1ecd trung b\u00ecnh c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t hi\u1ec7n nay l\u00e0 76 tu\u1ed5i, b\u1ea1n c\u00f3 th\u1ec3 s\u1ed1ng 15-20 n\u0103m sau khi ngh\u1ec9 h\u01b0u. N\u1ebfu kh\u00f4ng c\u00f3 k\u1ebf ho\u1ea1ch t\u1eeb s\u1edbm, \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 nh\u1eefng n\u0103m th\u00e1ng kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh. Tin t\u1ed1t l\u00e0: kh\u00f4ng bao gi\u1edd l\u00e0 qu\u00e1 mu\u1ed9n \u0111\u1ec3 b\u1eaft \u0111\u1ea7u.
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Th\u1ef1c Tr\u1ea1ng H\u01b0u Tr\u00ed T\u1ea1i Vi\u1ec7t Nam
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Hi\u1ec7n nay, ch\u1ec9 kho\u1ea3ng 30% ng\u01b0\u1eddi lao \u0111\u1ed9ng Vi\u1ec7t Nam tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i. M\u1ee9c l\u01b0\u01a1ng h\u01b0u trung b\u00ecnh kho\u1ea3ng 4-6 tri\u1ec7u \u0111\u1ed3ng/th\u00e1ng \u2014 con s\u1ed1 n\u00e0y kh\u00f3 \u0111\u1ea3m b\u1ea3o cu\u1ed9c s\u1ed1ng tho\u1ea3i m\u00e1i, \u0111\u1eb7c bi\u1ec7t khi chi ph\u00ed y t\u1ebf t\u0103ng cao theo tu\u1ed5i t\u00e1c. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a: b\u1ea1n c\u1ea7n m\u1ed9t qu\u1ef9 h\u01b0u tr\u00ed ri\u00eang, \u0111\u1ed9c l\u1eadp v\u1edbi b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i.
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C\u1ea7n Bao Nhi\u00eau Ti\u1ec1n \u0110\u1ec3 Ngh\u1ec9 H\u01b0u Tho\u1ea3i M\u00e1i?
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Quy t\u1eafc chung: b\u1ea1n c\u1ea7n t\u00edch l\u0169y \u0111\u01b0\u1ee3c kho\u1ea3ng 25 l\u1ea7n chi ph\u00ed sinh ho\u1ea1t h\u00e0ng n\u0103m. V\u00ed d\u1ee5, n\u1ebfu b\u1ea1n c\u1ea7n 15 tri\u1ec7u \u0111\u1ed3ng/th\u00e1ng (180 tri\u1ec7u/n\u0103m) khi v\u1ec1 h\u01b0u, b\u1ea1n c\u1ea7n qu\u1ef9 kho\u1ea3ng 4,5 t\u1ef7 \u0111\u1ed3ng. Nghe c\u00f3 v\u1ebb l\u1edbn, nh\u01b0ng n\u1ebfu b\u1eaft \u0111\u1ea7u t\u1eeb tu\u1ed5i 30, m\u1ed7i th\u00e1ng b\u1ea1n ch\u1ec9 c\u1ea7n ti\u1ebft ki\u1ec7m kho\u1ea3ng 3-4 tri\u1ec7u \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t k\u00e9p 8%/n\u0103m.
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L\u1ed9 Tr\u00ecnh 3 B\u01b0\u1edbc X\u00e2y D\u1ef1ng Qu\u1ef9 H\u01b0u Tr\u00ed
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B\u01b0\u1edbc 1: X\u00e1c \u0110\u1ecbnh M\u1ee5c Ti\u00eau (L\u00e0m Ngay H\u00f4m Nay)
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T\u00ednh to\u00e1n chi ph\u00ed sinh ho\u1ea1t h\u00e0ng th\u00e1ng hi\u1ec7n t\u1ea1i. Nh\u00e2n v\u1edbi 70% (v\u00ec khi v\u1ec1 h\u01b0u b\u1ea1n s\u1ebd chi ti\u00eau \u00edt h\u01a1n). Sau \u0111\u00f3 nh\u00e2n v\u1edbi 12 th\u00e1ng v\u00e0 v\u1edbi 25 l\u1ea7n. \u0110\u00f3 l\u00e0 con s\u1ed1 m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n.
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B\u01b0\u1edbc 2: Ch\u1ecdn K\u00eanh T\u00edch L\u0169y Ph\u00f9 H\u1ee3p
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- D\u01b0\u1edbi 40 tu\u1ed5i: \u01afu ti\u00ean k\u00eanh t\u0103ng tr\u01b0\u1edfng cao: ch\u1ee9ng ch\u1ec9 qu\u1ef9 c\u1ed5 phi\u1ebfu (10-12%/n\u0103m), g\u00f3i t\u00edch l\u0169y t\u00e0i ch\u00ednh (16-20%/n\u0103m). Ch\u1ea5p nh\u1eadn bi\u1ebfn \u0111\u1ed9ng ng\u1eafn h\u1ea1n \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y l\u1ee3i nhu\u1eadn d\u00e0i h\u1ea1n.
- 40-50 tu\u1ed5i: C\u00e2n b\u1eb1ng gi\u1eefa t\u0103ng tr\u01b0\u1edfng v\u00e0 an to\u00e0n: 50% qu\u1ef9 m\u1edf, 30% tr\u00e1i phi\u1ebfu, 20% g\u1eedi ti\u1ebft ki\u1ec7m.
- Tr\u00ean 50 tu\u1ed5i: \u01afu ti\u00ean an to\u00e0n: 70% g\u1eedi ti\u1ebft ki\u1ec7m v\u00e0 tr\u00e1i phi\u1ebfu, 30% qu\u1ef9 m\u1edf. B\u1ea3o to\u00e0n v\u1ed1n l\u00e0 m\u1ee5c ti\u00eau h\u00e0ng \u0111\u1ea7u.
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B\u01b0\u1edbc 3: T\u1ef1 \u0110\u1ed9ng H\u00f3a Vi\u1ec7c Ti\u1ebft Ki\u1ec7m
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Thi\u1ebft l\u1eadp chuy\u1ec3n kho\u1ea3n t\u1ef1 \u0111\u1ed9ng ngay khi nh\u1eadn l\u01b0\u01a1ng. “Tr\u1ea3 cho m\u00ecnh tr\u01b0\u1edbc” \u2014 ti\u1ebft ki\u1ec7m 15-20% thu nh\u1eadp tr\u01b0\u1edbc khi chi ti\u00eau b\u1ea5t c\u1ee9 th\u1ee9 g\u00ec kh\u00e1c. \u0110\u00e2y l\u00e0 nguy\u00ean t\u1eafc quan tr\u1ecdng nh\u1ea5t trong t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.
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H\u01b0u tr\u00ed kh\u00f4ng ph\u1ea3i l\u00e0 c\u00e1i \u0111\u00edch xa v\u1eddi \u2014 \u0111\u00f3 l\u00e0 cu\u1ed9c s\u1ed1ng m\u00e0 b\u1ea1n \u0111ang x\u00e2y d\u1ef1ng t\u1eebng ng\u00e0y. H\u00e0nh \u0111\u1ed9ng nh\u1ecf h\u00f4m nay, k\u1ebft qu\u1ea3 l\u1edbn ng\u00e0y mai.