L\u1ed7i kh\u00f4ng n\u1eb1m \u1edf h\u1ec7 th\u1ed1ng gi\u00e1o d\u1ee5c hay kh\u1ea3 n\u0103ng t\u00ednh to\u00e1n, m\u00e0 n\u1eb1m \u1edf b\u1ea3n t\u00ednh. Nh\u1eefng ng\u01b0\u1eddi t\u1ef1 ph\u1ee5 v\u00e0o tr\u00ed th\u00f4ng minh c\u1ee7a m\u00ecnh th\u01b0\u1eddng tin r\u1eb1ng h\u1ecd c\u00f3 th\u1ec3 \u201ct\u01b0 duy v\u01b0\u1ee3t tr\u00ean \u0111\u00e1m \u0111\u00f4ng\u201d, \u0111\u1ec3 r\u1ed3i cu\u1ed1i c\u00f9ng, tr\u00ed th\u00f4ng minh \u0111\u00f3 ch\u1ec9 khi\u1ebfn h\u00e0nh vi c\u1ee7a h\u1ecd tr\u1edf n\u00ean xu\u1ea9n ng\u1ed1c h\u01a1n khi c\u1ea3m x\u00fac chi\u1ebfm quy\u1ec1n ki\u1ec3m so\u00e1t. Th\u1ecb tr\u01b0\u1eddng kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t b\u00e0i to\u00e1n to\u00e1n h\u1ecdc \u0111\u1ec3 gi\u1ea3i, m\u00e0 l\u00e0 m\u1ed9t cu\u1ed9c s\u00e1t h\u1ea1ch t\u00e2m l\u00fd kh\u1eafc nghi\u1ec7t \u0111\u1ec3 s\u00e0ng l\u1ecdc t\u00ednh c\u00e1ch. \u0110\u1ec3 chi\u1ebfn th\u1eafng tr\u00f2 ch\u01a1i n\u00e0y, b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean kh\u00f4ng ph\u1ea3i l\u00e0 n\u1ea1p th\u00eam ki\u1ebfn th\u1ee9c, m\u00e0 l\u00e0 \u0111\u1ed1i di\u1ec7n v\u1edbi s\u1ef1 th\u1eadt r\u1eb1ng: K\u1ebb th\u00f9 l\u1edbn nh\u1ea5t c\u1ee7a s\u1ef1 th\u1ecbnh v\u01b0\u1ee3ng kh\u00f4ng n\u1eb1m \u1edf bi\u1ec3u \u0111\u1ed3, n\u00f3 n\u1eb1m \u1edf trong g\u01b0\u01a1ng.<\/p>\n Ph\u1ea7n 1: Nh\u1eadn Di\u1ec7n \u201cCon Kh\u1ec9 Trong G\u01b0\u01a1ng\u201d \u2014 Khi C\u1ea3m X\u00fac \u0110i\u1ec1u Khi\u1ec3n V\u00ed Ti\u1ec1n<\/p>\n B\u1ed9 n\u00e3o con ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 sinh t\u1ed3n trong r\u1eebng r\u1eadm, n\u01a1i c\u00e1c ph\u1ea3n \u1ee9ng t\u1ee9c th\u00ec \u0111\u1ed1i v\u1edbi n\u1ed7i s\u1ee3 v\u00e0 s\u1ef1 ph\u1ea5n kh\u00edch l\u00e0 ch\u00eca kh\u00f3a \u0111\u1ec3 s\u1ed1ng s\u00f3t. Tuy nhi\u00ean, khi mang nh\u1eefng h\u1ec7 \u0111i\u1ec1u h\u00e0nh c\u1ed5 x\u01b0a \u0111\u00f3 v\u00e0o th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, ch\u00fang tr\u1edf th\u00e0nh nh\u1eefng virus \u0111\u1ed9c h\u1ea1i. Khi th\u1ecb tr\u01b0\u1eddng lao d\u1ed1c, b\u1ea3n n\u0103ng \u201cch\u1ea1y tr\u1ed1n con h\u1ed5\u201d khi\u1ebfn b\u1ea1n b\u00e1n th\u00e1o; khi bong b\u00f3ng xu\u1ea5t hi\u1ec7n, b\u1ea3n n\u0103ng \u201ctranh gi\u00e0nh th\u1ee9c \u0103n\u201d khi\u1ebfn b\u1ea1n mua \u0111u\u1ed5i. \u0110\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 chi\u1ebfn l\u01b0\u1ee3c; \u0111\u00f3 l\u00e0\u00a0\u201ch\u00e0nh vi b\u1ea7y \u0111\u00e0n th\u1ea5p k\u00e9m c\u1ee7a lo\u00e0i kh\u1ec9 kho\u00e1c l\u00ean m\u00ecnh b\u1ed9 vest sang tr\u1ecdng\u201d<\/strong>.<\/p>\n L\u00f2ng \u0110\u1ed1 K\u1ef5: T\u1ed9i L\u1ed7i V\u00f4 Ngh\u0129a Nh\u1ea5t<\/p>\n Charlie Munger t\u1eebng cay \u0111\u1ed9c nh\u1eadn x\u00e9t r\u1eb1ng:\u00a0\u201c\u0110\u1ed1 k\u1ef5 l\u00e0 t\u1ed9i l\u1ed7i duy nh\u1ea5t kh\u00f4ng mang l\u1ea1i ni\u1ec1m vui\u201d<\/strong>. Trong \u0111\u1ea7u t\u01b0, l\u00f2ng \u0111\u1ed1 k\u1ef5 b\u00f3p m\u00e9o m\u1ecdi s\u1ef1 s\u00e1ng su\u1ed1t. Khi b\u1ea1n th\u1ea5y g\u00e3 h\u00e0ng x\u00f3m gi\u00e0u l\u00ean nhanh ch\u00f3ng nh\u1edd m\u1ed9t lo\u1ea1i t\u00e0i s\u1ea3n \u0111\u1ea7u c\u01a1 v\u00f4 gi\u00e1 tr\u1ecb, k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh k\u1ef7 lu\u1eadt c\u1ee7a b\u1ea1n b\u1ed7ng ch\u1ed1c tr\u1edf n\u00ean \u201cngu ng\u1ed1c\u201d trong m\u1eaft ch\u00ednh b\u1ea1n. B\u1ea1n t\u1eeb b\u1ecf l\u00fd tr\u00ed \u0111\u1ec3 ch\u1ea1y theo s\u1ef1 h\u01b0ng ph\u1ea5n c\u1ee7a \u0111\u00e1m \u0111\u00f4ng ch\u1ec9 v\u00ec n\u1ed7i s\u1ee3 b\u1ecb b\u1ecf l\u1ea1i ph\u00eda sau.<\/p>\n S\u1ef1 \u0110\u1ed1i L\u1eadp Gi\u1eefa B\u1ea3n N\u0103ng V\u00e0 L\u00fd Tr\u00ed<\/p>\n \u0110\u1ec3 th\u00e0nh c\u00f4ng, b\u1ea1n ph\u1ea3i t\u1ea1o ra m\u1ed9t \u201ckho\u1ea3ng c\u00e1ch c\u1ea3m x\u00fac\u201d (emotional distance)\u2014kh\u1ea3 n\u0103ng quan s\u00e1t ch\u00ednh nh\u1eefng ph\u1ea3n \u1ee9ng c\u1ee7a m\u00ecnh v\u00e0 l\u1ea1nh l\u00f9ng nh\u1eadn di\u1ec7n: \u201c\u00c0, con kh\u1ec9 trong ta l\u1ea1i \u0111ang tr\u1ed7i d\u1eady r\u1ed3i.\u201d<\/p>\n Ph\u1ea7n 2: \u1ea2o T\u01b0\u1edfng Ki\u1ec3m So\u00e1t V\u00e0 S\u1ee9c M\u1ea1nh C\u1ee7a S\u1ef1 \u0110\u01a1n Gi\u1ea3n<\/p>\n M\u1ed9t trong nh\u1eefng \u1ea3o t\u01b0\u1edfng nguy hi\u1ec3m nh\u1ea5t c\u1ee7a nh\u1eefng ng\u01b0\u1eddi \u201cth\u00f4ng minh\u201d l\u00e0 tin r\u1eb1ng s\u1ef1 ph\u1ee9c t\u1ea1p t\u1ef7 l\u1ec7 thu\u1eadn v\u1edbi l\u1ee3i nhu\u1eadn. H\u1ecd ch\u1ea1y c\u00e1c m\u00f4 h\u00ecnh Excel v\u1edbi 6 ch\u1eef s\u1ed1 th\u1eadp ph\u00e2n \u0111\u1ec3 d\u1ef1 b\u00e1o kinh t\u1ebf v\u0129 m\u00f4 cho m\u1ed9t th\u1eadp k\u1ef7 t\u1edbi. Munger th\u1eb3ng th\u1eebng v\u1ea1ch tr\u1ea7n:\u00a0\u201cN\u1ebfu b\u1ea1n ngh\u0129 m\u00ecnh c\u00f3 th\u1ec3 d\u1ef1 b\u00e1o th\u1ecb tr\u01b0\u1eddng, b\u1ea1n ho\u1eb7c l\u00e0 k\u1ebb ng\u1ed1c, ho\u1eb7c l\u00e0 k\u1ebb n\u00f3i d\u1ed1i\u201d<\/strong>. Wall Street l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p tinh vi c\u1ee7a c\u1ea3 hai.<\/p>\n S\u1ef1 Ph\u1ee9c T\u1ea1p L\u00e0 L\u1edbp M\u1eb7t N\u1ea1 C\u1ee7a Ki\u00eau Ng\u1ea1o<\/p>\n S\u1ef1 th\u1eadt l\u00e0 b\u1ea1n kh\u00f4ng th\u1ec3 d\u00f9ng b\u1ea3ng t\u00ednh (spreadsheet) \u0111\u1ec3 s\u1eeda ch\u1eefa m\u1ed9t v\u1ea5n \u0111\u1ec1 v\u1ec1 nh\u00e2n c\u00e1ch. Nh\u1eefng m\u00f4 h\u00ecnh ph\u1ee9c t\u1ea1p th\u1ef1c ch\u1ea5t l\u00e0 c\u00f4ng c\u1ee5 \u0111\u1ec3 xoa d\u1ecbu n\u1ed7i s\u1ee3 h\u00e3i v\u1ec1 s\u1ef1 ng\u1eabu nhi\u00ean. Trong nh\u1eefng giai \u0111o\u1ea1n \u0111i\u00ean r\u1ed3 nh\u01b0 bong b\u00f3ng Dotcom hay c\u00e1c c\u01a1n s\u1ed1t ti\u1ec1n s\u1ed1, ng\u01b0\u1eddi ta c\u1ed1 g\u1eafng ph\u00e1t minh ra \u201ck\u1ef7 nguy\u00ean m\u1edbi\u201d \u0111\u1ec3 ph\u1ee7 nh\u1eadn th\u1ef1c t\u1ebf r\u1eb1ng\u00a0ph\u00e9p t\u00ednh s\u1ed1 h\u1ecdc c\u01a1 b\u1ea3n v\u1eabn lu\u00f4n t\u1ed3n t\u1ea1i<\/strong>. Nh\u1eefng doanh nghi\u1ec7p kh\u00f4ng c\u00f3 l\u1ee3i nhu\u1eadn cu\u1ed1i c\u00f9ng s\u1ebd s\u1ee5p \u0111\u1ed5, b\u1ea5t k\u1ec3 c\u00e2u chuy\u1ec7n k\u1ec3 v\u1ec1 ch\u00fang c\u00f3 l\u1ed9ng l\u1eaby \u0111\u1ebfn \u0111\u00e2u.<\/p>\n Tri\u1ebft L\u00fd \u201cNg\u1ed3i Y\u00ean\u201d V\u00e0 B\u00e0i Ki\u1ec3m Tra 5 N\u0103m<\/p>\n C\u00f4ng th\u1ee9c c\u1ee7a s\u1ef1 gi\u00e0u c\u00f3 th\u1ef1c s\u1ef1 \u0111\u01a1n gi\u1ea3n \u0111\u1ebfn m\u1ee9c g\u00e2y kh\u00f3 ch\u1ecbu: T\u00ecm doanh nghi\u1ec7p t\u1ed1t, mua gi\u00e1 h\u1ee3p l\u00fd v\u00e0 kh\u00f4ng l\u00e0m g\u00ec c\u1ea3.\u00a0\u201cTi\u1ec1n l\u1edbn kh\u00f4ng n\u1eb1m \u1edf vi\u1ec7c mua hay b\u00e1n, m\u00e0 n\u1eb1m \u1edf vi\u1ec7c ch\u1edd \u0111\u1ee3i\u201d<\/strong>.<\/p>\n \u0110\u1ec3 ki\u1ec3m tra xem b\u1ea1n \u0111ang \u0111\u1ea7u t\u01b0 hay \u0111ang \u0111\u00e1nh b\u1ea1c, h\u00e3y t\u1ef1 h\u1ecfi:\u00a0\u201cN\u1ebfu th\u1ecb tr\u01b0\u1eddng \u0111\u00f3ng c\u1eeda trong 5 n\u0103m, b\u1ea1n c\u00f3 c\u1ea3m th\u1ea5y tho\u1ea3i m\u00e1i khi n\u1eafm gi\u1eef nh\u1eefng g\u00ec m\u00ecnh \u0111ang c\u00f3 kh\u00f4ng?\u201d<\/strong>. N\u1ebfu c\u00e2u tr\u1ea3 l\u1eddi l\u00e0 kh\u00f4ng, b\u1ea1n kh\u00f4ng s\u1edf h\u1eefu m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0; b\u1ea1n \u0111ang s\u1edf h\u1eefu m\u1ed9t s\u1ef1 xao nh\u00e3ng (distraction). Tr\u00ed th\u00f4ng minh th\u1ef1c s\u1ef1 trong \u0111\u1ea7u t\u01b0 l\u00e0 bi\u1ebft gi\u1edbi h\u1ea1n c\u1ee7a ch\u00ednh m\u00ecnh v\u00e0 \u1edf y\u00ean trong \u201cv\u00f2ng tr\u00f2n n\u0103ng l\u1ef1c\u201d.<\/p>\n Ph\u1ea7n 3: S\u1ef1 Ki\u00ean Nh\u1eabn Chi\u1ebfn L\u01b0\u1ee3c V\u00e0 \u201cH\u1ecdc Ph\u00ed\u201d C\u1ee7a S\u1ef1 Th\u1ecbnh V\u01b0\u1ee3ng<\/p>\n Ki\u00ean nh\u1eabn kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 th\u1ee5 \u0111\u1ed9ng c\u1ee7a k\u1ebb y\u1ebfu, m\u00e0 l\u00e0 s\u1ef1 ki\u1ec1m ch\u1ebf c\u1ee7a k\u1ebb m\u1ea1nh. Th\u1ecb tr\u01b0\u1eddng l\u00e0 m\u1ed9t th\u1ef1c th\u1ec3 t\u00e0n nh\u1eabn \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t nhi\u1ec7m v\u1ee5 duy nh\u1ea5t:\u00a0\u201cTh\u1ecb tr\u01b0\u1eddng l\u00e0 m\u1ed9t thi\u1ebft b\u1ecb \u0111\u1ec3 chuy\u1ec3n ti\u1ec1n t\u1eeb tay nh\u1eefng k\u1ebb n\u00f4n n\u00f3ng sang tay nh\u1eefng ng\u01b0\u1eddi ki\u00ean nh\u1eabn\u201d<\/strong>.<\/p>\n M\u1ec7nh L\u1ec7nh V\u1ec1 L\u00e3i K\u00e9p<\/p>\n Quy t\u1eafc t\u1ed1i th\u01b0\u1ee3ng c\u1ee7a Munger l\u00e0:\u00a0\u201cKh\u00f4ng bao gi\u1edd ng\u1eaft qu\u00e3ng l\u00e3i k\u00e9p m\u1ed9t c\u00e1ch kh\u00f4ng c\u1ea7n thi\u1ebft\u201d<\/strong>. H\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi ph\u00e1 h\u1ee7y th\u00e0nh qu\u1ea3 c\u1ee7a m\u00ecnh ch\u1ec9 v\u00ec c\u1ea3m th\u1ea5y bu\u1ed3n ch\u00e1n ho\u1eb7c mu\u1ed1n ch\u1ee9ng t\u1ecf m\u00ecnh \u0111ang l\u00e0m vi\u1ec7c. H\u1ecd nh\u1ea7m l\u1eabn ho\u1ea1t \u0111\u1ed9ng v\u1edbi hi\u1ec7u qu\u1ea3, v\u00e0 c\u00e1i gi\u00e1 ph\u1ea3i tr\u1ea3 l\u00e0 s\u1ef1 ngh\u00e8o kh\u00f3 d\u00e0i h\u1ea1n. N\u1ebfu b\u1ea1n mu\u1ed1n gi\u00e0u c\u00f3, h\u00e3y h\u1ecdc c\u00e1ch tr\u1edf n\u00ean t\u1ebb nh\u1ea1t.\u00a0\u201cS\u1ef1 t\u1ebb nh\u1ea1t m\u1edbi l\u00e0 th\u1ee9 t\u1ea1o n\u00ean l\u00e3i k\u00e9p\u201d<\/strong>.<\/p>\n Bi\u1ebfn \u0110\u1ed9ng L\u00e0 Ph\u00ed Nh\u1eadp Cu\u1ed9c, Kh\u00f4ng Ph\u1ea3i Kho\u1ea3n L\u1ed7<\/p>\n Nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 b\u1ecf ch\u1ea1y khi danh m\u1ee5c s\u1ee5t gi\u1ea3m 30%, coi \u0111\u00f3 l\u00e0 m\u1ed9t th\u1ea3m h\u1ecda. Th\u1ef1c t\u1ebf, \u0111\u00f3 ch\u1ec9 l\u00e0 \u201cph\u00ed nh\u1eadp cu\u1ed9c\u201d (entry fee) cho s\u1ef1 th\u1ecbnh v\u01b0\u1ee3ng t\u01b0\u01a1ng lai. S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 k\u1ebb \u0111\u1ea7u c\u01a1 n\u1eb1m \u1edf kh\u1ea3 n\u0103ng ch\u1ecbu \u0111\u1ef1ng n\u1ed7i \u0111au.<\/p>\n Munger ch\u1ebf gi\u1ec5u:\u00a0\u201cB\u00e1n \u0111i m\u1ed9t doanh nghi\u1ec7p tuy\u1ec7t v\u1eddi ch\u1ec9 v\u00ec gi\u00e1 c\u1ed5 phi\u1ebfu gi\u1ea3m c\u0169ng gi\u1ed1ng nh\u01b0 vi\u1ec7c ly h\u00f4n v\u1ee3 ch\u1ec9 v\u00ec c\u00f4 \u1ea5y b\u1ecb c\u1ea3m c\u00fam v\u1eady\u201d<\/strong>. \u0110au \u0111\u1edbn l\u00e0 t\u1ea1m th\u1eddi, nh\u01b0ng s\u1ef1 xu\u1ea9n ng\u1ed1c (stupidity) l\u00e0 v\u0129nh vi\u1ec5n. Nh\u1eefng ai kh\u00f4ng th\u1ec3 ch\u1ecbu \u0111\u1ef1ng vi\u1ec7c nh\u00ecn t\u00e0i s\u1ea3n chia hai m\u00e0 kh\u00f4ng thay \u0111\u1ed5i k\u1ebf ho\u1ea1ch th\u00ec \u0111\u01a1n gi\u1ea3n l\u00e0 kh\u00f4ng x\u1ee9ng \u0111\u00e1ng v\u1edbi nh\u1eefng m\u1ee9c l\u1ee3i nhu\u1eadn d\u00e0i h\u1ea1n.<\/p>\n K\u1ebft Lu\u1eadn: C\u1ed5 T\u1ee9c T\u1ed1i Th\u01b0\u1ee3ng C\u1ee7a S\u1ef1 Gi\u00e0u C\u00f3<\/p>\n Ti\u1ec1n b\u1ea1c l\u00e0 m\u1ed9t ch\u1ea5t x\u00fac t\u00e1c \u0111\u1ea7y quy\u1ec1n n\u0103ng, nh\u01b0ng n\u00f3 kh\u00f4ng thay \u0111\u1ed5i b\u1ea3n ch\u1ea5t c\u1ee7a b\u1ea1n. N\u00f3 ch\u1ec9\u00a0\u201chi\u1ec3n th\u1ecb t\u00ednh c\u00e1ch c\u1ee7a b\u1ea1n \u1edf \u0111\u1ed9 ph\u00e2n gi\u1ea3i cao\u201d<\/strong>. N\u1ebfu b\u1ea1n l\u00e0 k\u1ebb li\u1ec1u l\u0129nh v\u00e0 thi\u1ebfu k\u1ef7 lu\u1eadt, ti\u1ec1n b\u1ea1c ch\u1ec9 cung c\u1ea5p cho b\u1ea1n m\u1ed9t s\u00e2n kh\u1ea5u l\u1edbn h\u01a1n \u0111\u1ec3 th\u1ef1c hi\u1ec7n nh\u1eefng h\u00e0nh vi h\u1ee7y di\u1ec7t.<\/p>\n S\u1ef1 gi\u00e0u c\u00f3 th\u1ef1c s\u1ef1 kh\u00f4ng \u0111\u01b0\u1ee3c \u0111o b\u1eb1ng con s\u1ed1 tr\u00ean t\u00e0i kho\u1ea3n hay nh\u1eefng m\u00f3n \u0111\u1ed3 xa x\u1ec9 \u0111\u1ec3 ph\u00f4 di\u1ec5n \u0111\u1ecba v\u1ecb. C\u1ed5 t\u1ee9c l\u1edbn nh\u1ea5t c\u1ee7a ti\u1ec1n b\u1ea1c ch\u00ednh l\u00e0\u00a0S\u1ef1 T\u1ef1 Do<\/strong>: t\u1ef1 do kh\u1ecfi s\u1ef1 \u0111\u1ed1 k\u1ef5, t\u1ef1 do kh\u1ecfi nh\u1eefng ph\u1ea3n \u1ee9ng b\u1ed1c \u0111\u1ed3ng, v\u00e0 kh\u1ea3 n\u0103ng ki\u1ec3m so\u00e1t th\u1eddi gian c\u1ee7a ch\u00ednh m\u00ecnh. S\u1ef1 gi\u00e0u c\u00f3 l\u00e0 khi b\u1ea1n kh\u00f4ng c\u00f2n c\u1ea7n s\u1ef1 c\u00f4ng nh\u1eadn c\u1ee7a \u0111\u00e1m \u0111\u00f4ng v\u00e0 c\u00f3 th\u1ec3 ng\u1ee7 ngon khi th\u1ebf gi\u1edbi xung quanh \u0111ang ph\u00e1t \u0111i\u00ean.<\/p>\n Sau c\u00f9ng, \u0111\u1ea7u t\u01b0 l\u00e0 m\u1ed9t cu\u1ed9c chi\u1ebfn ch\u1ed1ng l\u1ea1i ch\u00ednh m\u00ecnh. Khi b\u1ea1n l\u00e0m ch\u1ee7 \u0111\u01b0\u1ee3c t\u00ednh kh\u00ed, ng\u1eebng ph\u1ea3n \u1ee9ng v\u1edbi nh\u1eefng ti\u1ebfng \u1ed3n v\u00f4 ngh\u0129a v\u00e0 h\u1ecdc c\u00e1ch h\u01b0\u1edfng th\u1ee5 s\u1ef1 ch\u1edd \u0111\u1ee3i, b\u1ea1n s\u1ebd nh\u1eadn ra r\u1eb1ng m\u00ecnh kh\u00f4ng bao gi\u1edd c\u1ea7n \u0111\u1ebfn s\u1ef1 may m\u1eafn. S\u1ef1 b\u00ecnh an trong t\u00e2m h\u1ed3n v\u00e0 t\u00ednh k\u1ef7 lu\u1eadt s\u1eaft \u0111\u00e1 ch\u00ednh l\u00e0 nh\u1eefng l\u1ee3i th\u1ebf c\u1ea1nh tranh duy nh\u1ea5t kh\u00f4ng th\u1ec3 b\u1ecb sao ch\u00e9p hay \u0111\u00e1nh b\u1ea1i.<\/p>\n![\"T\u00e2m](\"http:\/\/sungroupvinhhung.info.vn\/wp-content\/uploads\/2026\/09\/tam-ly-hoc-ve-tien-bai-kiem-tra-tinh-khi-duoi-lop-vo-mot-bai-1.jpg\")
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