Chuyện cười về cuộc sống

by Life14/09/2014 09:22

Bài học 2:

Một nhân viên bán hàng, một thư kí và một giám đốc cùng nhau ra ngoài ăn trưa. Họ bất ngờ phát hiện ra một chiếc đèn dầu cổ. Khi họ chà xát để lau chùi bụi bám lên chiếc đèn, thì bất ngờ Thần Đèn hiện ra. Thần Đèn nói: “Ta sẽ tặng các con mỗi người một điều ước. Ai trước nào?” “Con trước, con trước” cô thư kí lanh lẹ, “Con muốn được ở Bali lướt sóng mà không cần quan tâm, lo lắng đến bất cứ việc gì trên đời này!” Bùm.. Cô biến mất. “Con kế tiếp, con kế tiếp” anh nhân viên bán hàng nôn nóng, “Con muốn được nằm dài trên bờ biển Hawaii, có nhân viên mát xa riêng, uống thỏa thích cocktail cùng với người yêu của con.” Bùm.. Anh cũng biến mất. “Còn con?” Thần Đèn hỏi anh giám đốc, anh ước: “Con muốn 2 người đó quay lại phòng làm việc sau giờ nghỉ trưa.” (st dongcam.vn)

Bài học rút ra từ câu truyện: Luôn luôn để sếp của bạn phát biểu trước.

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StoriesofLife

20 Leadership Lessons to Learn Sooner Rather Than Later

by finandlife13/09/2014 09:13

1. Apologize Quickly Without Hesitation (Hesi'teisn: ấp úng)

It took many years for me to realize how saying “I’m sorry” can help. For years, I thought leadership meant insulating ('insiulei:t: cách ly) myself from my subordinates (se'bo:dnit: cấp dưới) and hiding any weaknesses. If I made a mistake, I’d pretend (pri'tend: giả vờ) it was just a misunderstanding or someone else’s fault. If you fess up (to admit that you have done  something wrong, although it is not very serious) quickly, people working for you will respect you more and follow directions.

2. Admit When You Don’t Know Every Answer

Not admitting my mistakes came from a sense of superiority (ở vai trên) and pride (sự kiêu hãnh). I thought, I’m the leader so I must be right. I now understand leadership differently. It’s a servant role. And, like anyone in business, you are never going to have all of the answers. Revealing (tỏ ra, tiết lộ) you are human is helpful; good leaders go and find the answers the team needs.

3. Analyze First, Then Act

It takes time to collect information, and there’s a sense in leadership that you need to move quickly. We are paid to respond and act, not to sit back and wait for someone else to solve problems. Yet, I made the mistake of acting before analyzing. In a few cases, I even approved projects, new hires, and direction before getting 100% of the data.

4. Train Others Only When You Really Know the Topic

I’m trained as a writer and designer, so it was easy to pass on this knowledge to my team. At times, I’d try to train them in other areas, like testing for bugs in a software program or in HR issues. I should have found an expert to do the training.

5. Be Quick With Positive Feedback, Slow With Criticism

It sounds corny (xưa như trái đất), and maybe you can overdo this one, but I honestly believe many employees in young companies need constant encouragement. We live in complex, competitive times and people are inundated (trần ngập) with too many tasks and not enough time. Technology and business life can be overwhelming. So it’s important to point out any “wins” no matter how small. And, if you do have to criticize ('kritisaiz: phê bình, chỉ trích), think seriously about the impact first.

6. Ask Personal Questions

One of my greatest challenges as a leader had to do with my introverted (intro've:tid: nội tâm) personality. I didn’t share enough about myself, my family life, and my aspirations for the team. (I’ve since realized how being hyper-focused and analytical by nature also helped me get promoted and were probably my greatest strengths.) I wish I had tried to understand my team’s personal motivations more and relate on a personal level.

7. Embrace (im'breis: bao quát) Failure on Projects

Here’s an interesting one. During my tenure (thời gian đương chức) as an upper-level manager, I tended to avoid failure at all costs. Early on, I started a company on my own that went belly up. So, in the corporate world, I shunned any trace (vết tích) of failure—even if it meant letting projects go on too long. I was right about having an attitude of success, but wrong about the micro-failures. Good managers pull the plug at precisely the right time to free up staff for better things.

8. Hire for Potential

I wish I had studied resumes more looking for clues (manh mối) about potential and not as much on their narrow skill set as listed on a sheet of paper. I should have looked for things like an interest in hang-gliding or animal rescue as a sign that the person was ambitious and daring (táo bạo). I should have questioned the overly detailed resume that listed everything about previous work assignments but nothing about risk-taking or aspirations (khát vọng) for growth.

9. Fire for Negligence ('ne...: tính cẩu thả)

I wasn’t too bad at firing people when they were negligent, and I mostly handled them well. In most cases, I went through all the proper (proper: thích hợp, thích đáng) steps to build consensus first with HR, create a paper trail to show how I had tried to work through the issues with the employee, and address problems head-on. Yet, I can recall a few instances when I should have moved even faster on the dismissal. Why? Because those troublemakers were bringing down the team as a whole. As a leader, I should have protected my employees more.

10. Mentor Intentionally

I had great success with mentoring (cố vấn). During my time as a corporate leader, I met with my direct reports one-on-one on a regular basis, gave specific feedback about their work performance, and just got to know them better. I should have been even more intentional (cố ý) about it. It’s not about how often we met but how much I delved into (đào sâu) work issues.

11. Share Good Ideas Quickly and Often

Ideas came to me in a flash, but sometimes I’d held them back. Why? I’m not sure. In meetings, I stayed silent at times because I didn’t want to overshadow (làm lu mờ) anyone else on the team. Most of those good ideas were lost in a vapor ('vei:be: hơi nước) cloud. More importantly, they could have spurred (khích lệ) others on and fostered (nuôi dưỡng) a better dialoge.

12. Promote Slowly

Here’s one that proved to be a major detriment ('detriment: tổn hại). If I could go back, I’d promote people a little slower because there were times when the person was not ready. By waiting, I could have mentored them more and trained them on how to handle the added responsibility.

13. Don’t Just Communicate, Facilitate (tạo điều kiện)

At the time, I convinced myself I had to communicate more with my team leads about “best practices” and “company direction” but the truth is—I should have demonstrated (giải thích) the ideas instead. I should have helped them reach goals and paved the way (lát đường) for them by my example. It’s the difference between just giving information versus nurturing (foster) growth.

14. Reward Creativity, Not Mindless Task Completion

There were times when I rewarded employees monetarily or with recognition when they finished a task on a project. That’s always expected in the workplace. Yet, by rewarding task completion, I was making a subtle suggestion that I expected employees not to finish things on time. Instead, I should have rewarded them for finding workarounds, for thinking creatively, for finishing early, and for working out of the box.

15. Let Organizational Change Create Opportunities

I used to fight organizational changes with every ounce of my fiber. (Those who know me would agree—there are a lot of ounces when you’re over six feet tall.) I viewed an org chart as my enemy (địch thủ). What I didn’t realize is that org chart changes create opportunities for leaders. We can adapt and grow once we know how things are changing. We get a clearer picture of what the company is trying to do. It’s a cheat sheet for better leadership.

16. Nurture Allies ('aeli: bạn đồng minh) at Work Intentionally

Leadership is often seen as a solo effort. It’s not. The best leaders have friends and allies at work who provide counsel and advice. I needed more of them. I do remember having a few co-workers who tried to give me advice, but I had the mindset of a lone wolf leader and tuned it out. If anything, it’s critical to look for this feedback as a development step.

17. Revel ('revl: liên hoan) in Success

I have learned over the years that a big success on a team is something to cherish and relish when it happens. When my team scored a big project, we should have celebrated with banana splits and trumpet parades all around the office. By not reveling as much, it probably zapped the motivation to push harder on the next project.

18. Focus on the Goals, Not the Budget

Late in my corporate career, I spent countless hours tweaking budgets and moving numbers around in a spreadsheet. Fun times! Because of my attitude about spending money, I viewed the value of an employee in monetary terms. If I did it all over again, I’d view employees first and only as individuals with creative ideas that add value.

19. Address the Hardest Leadership Challenges First

There’s a tendency in any job to do the easiest tasks first. Duh! They are the easiest! It’s always nice to look like we’re getting more done each week and clearing up our time for the harder challenges in the workplace. In leadership, that’s a big mistake. That troublemaker on your team? The drop in sales after a marketing snafu (sne'fu: hoan man, hỗn độn)? A big tax change? Address those problems first to free up your time to lead better the rest of the week.

20. Start Your Meetings by Sharing Something Personal

It’s okay to get personal—just not too personal. There’s no need to explain how the dog is sick or how your car is on the fritz. That’s not what I mean. In a meeting, it’s okay to quickly share a few personal tidbits about your kids or a recent vacation. Don’t just jump right into the budget report or the customer wins. Let your employees know more about you and you exist as a person outside of work. They will know you are human.

 

Nguồn: themuse.com

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StoriesofLife

Chuyện ở đời, không phải vì ?

by Life09/09/2014 11:15

Một con tàu du lịch gặp nạn trên biển, trên thuyền có một đôi vợ chồng rất khó khăn mới lên đến trước mũi thuyền cứu hộ, trên thuyền cứu hộ chỉ còn thừa duy nhất 1 chỗ ngồi. Lúc này, người đàn ông để vợ mình ở lại, còn bản thân nhảy lên thuyền cứu hộ.

 

Người phụ nữ đứng trên con thuyền sắp chìm, hét lên với người đàn ông một câu…………..

Kể đến đây, thầy giáo hỏi học sinh: “Các em đoán xem, người phụ nữ sẽ hét lên câu gì?”

Tất cả học sinh phẫn nộ, nói rằng: “Em hận anh, em đã nhìn nhầm người rồi.”

Lúc này thầy giáo chú ý đến một cậu học sinh mãi vẫn không trả lời, liền hỏi cậu bé. Cậu học sinh nói: “Thầy ơi, em nghĩ người phụ nữ sẽ nói: Chăm sóc tốt con của chúng ta anh nhé!”

Thầy giáo ngạc nhiên hỏi: “Em nghe qua câu chuyện này rồi ư?”

Học sinh lắc đầu: “Chưa ạ, nhưng mà mẹ em trước khi mất cũng nói với bố em như vậy.”

Thầy giáo xúc động: “Trả lời rất đúng.”

Người đàn ông được cứu sống trở về quê hương, một mình nuôi con gái trưởng thành. Nhiều năm sau, anh ta mắc bệnh qua đời, người con gái lúc sắp xếp kỷ vật, phát hiện quyển nhật ký của bố. Hóa ra, lúc mẹ và bố ngồi trên chiếc tàu ấy, người mẹ đã mắc bệnh nan y, trong giây phút quyết định, người chồng đã dành lấy cơ hội sống duy nhất về phần mình. Trong nhật ký viết rằng : “Anh ước gì anh và em có thể cùng nhau chìm xuống đáy biển, nhưng anh không thể. Vì con gái chúng ta, anh chỉ có thể để em một mình ngủ giấc ngủ dài dưới đáy đại dương sâu thẳm. Anh xin lỗi.”

Kể xong câu chuyện, phòng học trở nên im ắng, các em học sinh đã hiểu được ý nghĩa câu chuyện này: Thiện và ác trên thế gian, có lúc lắm mối rối bời, khó lòng phân biệt, bởi vậy đừng nên dễ dàng nhận định người khác.

Người thích chủ động thanh toán tiền, không phải bởi vì người ta dư dả, mà là người ta xem trọng tình bạn hơn tiền bạc.

Trong công việc, người tình nguyện nhận nhiều việc về mình, không phải bởi vì người ta ngốc, mà là người ta hiểu được ý nghĩa trách nhiệm.

Sau khi cãi nhau người xin lỗi trước, không phải bởi vì người ta sai, mà là người ta hiểu được trân trọng người bên cạnh mình.

Người tình nguyện giúp đỡ người khác, không phải vì nợ người đó cái gì, mà là vì người ta xem người đó là bạn.

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StoriesofLife

How Successful People Stay Calm

by finandlife09/09/2014 10:04

Cách những người thành công giữ bình tĩnh

The ability to manage your emotions and remain calm under pressure has a direct link to your performance. TalentSmart has conducted research with more than a million people, and we’ve found that 90% of top performers are skilled at managing their emotions in times of stress in order to remain calm and in control.

Khả năng quản lý cảm xúc và giữ bình tĩnh dưới áp lực là một liên kết trực tiếp tới hiệu quả của bạn. Một tổ chức đã tìm thấy bằng chứng, 90% những người thuộc TOP làm việc hiệu quả nhất có kỹ năng quản trị những cảm xúc của họ trong thời gian bị stress, để giữ bình tĩnh và trong tình trạng được kiểm soát.

If you follow our newsletter, you’ve read some startling research summaries that explore the havoc stress can wreak on one’s physical and mental health (such as the Yale study, which found that prolonged stress causes degeneration in the area of the brain responsible for self-control). The tricky thing about stress (and the anxiety that comes with it) is that it’s an absolutely necessary emotion. Our brains are wired such that it’s difficult to take action until we feel at least some level of this emotional state. In fact, performance peaks under the heightened activation that comes with moderate levels of stress. As long as the stress isn’t prolonged, it’s harmless.

Bộ óc chúng ta sẽ khó đưa ra hành động cho đến khi chúng ta cảm nhận một mức độ cảm xúc tối thiểu nào đó. Thực tế, hiệu quả lên đỉnh cao dưới sự kích hoạt cao đổ đến từ một mức độ nào đó của stress. Chừng nào mà stress không bị kéo dài thì nó vô hại.

Research from the University of California, Berkeley, reveals an upside to experiencing moderate levels of stress. But it also reinforces how important it is to keep stress under control. The study, led by post-doctoral fellow Elizabeth Kirby, found that the onset of stress entices the brain into growing new cells responsible for improved memory. However, this effect is only seen when stress is intermittent. As soon as the stress continues beyond a few moments into a prolonged state, it suppresses the brain’s ability to develop new cells.

“I think intermittent stressful events are probably what keeps the brain more alert, and you perform better when you are alert,” Kirby says. For animals, intermittent stress is the bulk of what they experience, in the form of physical threats in their immediate environment. Long ago, this was also the case for humans. As the human brain evolved and increased in complexity, we’ve developed the ability to worry and perseverate on events, which creates frequent experiences of prolonged stress.

“Tôi nghĩ những sự kiện stress không liên tục có khả năng giữ cho bộ não được “đánh thức, nhắc nhở”, và bạn sẽ làm việc hiệu quả hơn khi được nhắc nhở,” Kirby nói.

Besides increasing your risk of heart disease, depression, and obesity, stress decreases your cognitive performance. Fortunately, though, unless a lion is chasing you, the bulk of your stress is subjective and under your control. Top performers have well-honed coping strategies that they employ under stressful circumstances. This lowers their stress levels regardless of what’s happening in their environment, ensuring that the stress they experience is intermittent and not prolonged.

While I’ve run across numerous effective strategies that successful people employ when faced with stress, what follows are ten of the best. Some of these strategies may seem obvious, but the real challenge lies in recognizing when you need to use them and having the wherewithal to actually do so in spite of your stress.

They Appreciate What They Have

Taking time to contemplate what you’re grateful for isn’t merely the “right” thing to do. It also improves your mood, because it reduces the stress hormone cortisol by 23%. Research conducted at the University of California, Davis found that people who worked daily to cultivate an attitude of gratitude experienced improved mood, energy, and physical well-being. It’s likely that lower levels of cortisol played a major role in this.

They Avoid Asking “What If?”

“What if?” statements throw fuel on the fire of stress and worry. Things can go in a million different directions, and the more time you spend worrying about the possibilities, the less time you’ll spend focusing on taking action that will calm you down and keep your stress under control. Calm people know that asking “what if? will only take them to a place they don’t want—or need—to go.

They Stay Positive

Positive thoughts help make stress intermittent by focusing your brain’s attention onto something that is completely stress-free. You have to give your wandering brain a little help by consciously selecting something positive to think about. Any positive thought will do to refocus your attention. When things are going well, and your mood is good, this is relatively easy. When things are going poorly, and your mind is flooded with negative thoughts, this can be a challenge. In these moments, think about your day and identify one positive thing that happened, no matter how small. If you can't think of something from the current day, reflect on the previous day or even the previous week. Or perhaps you’re looking forward to an exciting event that you can focus your attention on. The point here is that you must have something positive that you're ready to shift your attention to when your thoughts turn negative.

They Disconnect

Given the importance of keeping stress intermittent, it’s easy to see how taking regular time off the grid can help keep your stress under control. When you make yourself available to your work 24/7, you expose yourself to a constant barrage of stressors. Forcing yourself offline and even—gulp!—turning off your phone gives your body a break from a constant source of stress. Studies have shown that something as simple as an email break can lower stress levels.

Technology enables constant communication and the expectation that you should be available 24/7. It is extremely difficult to enjoy a stress-free moment outside of work when an email that will change your train of thought and get you thinking (read: stressing) about work can drop onto your phone at any moment. If detaching yourself from work-related communication on weekday evenings is too big a challenge, then how about the weekend? Choose blocks of time where you cut the cord and go offline. You’ll be amazed at how refreshing these breaks are and how they reduce stress by putting a mental recharge into your weekly schedule. If you’re worried about the negative repercussions of taking this step, first try doing it at times when you’re unlikely to be contacted—maybe Sunday morning. As you grow more comfortable with it, and as your coworkers begin to accept the time you spend offline, gradually expand the amount of time you spend away from technology.

They Limit Their Caffeine Intake

Drinking caffeine triggers the release of adrenaline. Adrenaline is the source of the “fight-or-flight” response, a survival mechanism that forces you to stand up and fight or run for the hills when faced with a threat. The fight-or-flight mechanism sidesteps rational thinking in favor of a faster response. This is great when a bear is chasing you, but not so great when you’re responding to a curt email. When caffeine puts your brain and body into this hyperaroused state of stress, your emotions overrun your behavior. The stress that caffeine creates is far from intermittent, as its long half-life ensures that it takes its sweet time working its way out of your body.

They Sleep

I’ve beaten this one to death over the years and can’t say enough about the importance of sleep to increasing your emotional intelligence and managing your stress levels. When you sleep, your brain literally recharges, shuffling through the day’s memories and storing or discarding them (which causes dreams), so that you wake up alert and clear-headed. Your self-control, attention, and memory are all reduced when you don’t get enough—or the right kind—of sleep. Sleep deprivation raises stress hormone levels on its own, even without a stressor present. Stressful projects often make you feel as if you have no time to sleep, but taking the time to get a decent night’s sleep is often the one thing keeping you from getting things under control.

They Squash Negative Self-Talk

A big step in managing stress involves stopping negative self-talk in its tracks. The more you ruminate on negative thoughts, the more power you give them. Most of our negative thoughts are just that—thoughts, not facts. When you find yourself believing the negative and pessimistic things, your inner voice says, “It's time to stop and write them down.” Literally stop what you're doing and write down what you're thinking. Once you've taken a moment to slow down the negative momentum of your thoughts, you will be more rational and clear-headed in evaluating their veracity.

You can bet that your statements aren’t true any time you use words like “never,” “worst,” “ever,” etc. If your statements still look like facts once they’re on paper, take them to a friend or colleague you trust and see if he or she agrees with you. Then the truth will surely come out. When it feels like something always or never happens, this is just your brain’s natural threat tendency inflating the perceived frequency or severity of an event. Identifying and labeling your thoughts as thoughts by separating them from the facts will help you escape the cycle of negativity and move toward a positive new outlook.

They Reframe Their Perspective

Stress and worry are fueled by our own skewed perception of events. It’s easy to think that unrealistic deadlines, unforgiving bosses, and out-of-control traffic are the reasons we’re so stressed all the time. You can’t control your circumstances, but you can control how you respond to them. So before you spend too much time dwelling on something, take a minute to put the situation in perspective. If you aren’t sure when you need to do this, try looking for clues that your anxiety may not be proportional to the stressor. If you’re thinking in broad, sweeping statements such as “Everything is going wrong” or “Nothing will work out,” then you need to reframe the situation. A great way to correct this unproductive thought pattern is to list the specific things that actually are going wrong or not working out. Most likely you will come up with just some things—not everything—and the scope of these stressors will look much more limited than it initially appeared.

They Breathe

The easiest way to make stress intermittent lies in something that you have to do everyday anyway: breathing. The practice of being in the moment with your breathing will begin to train your brain to focus solely on the task at hand and get the stress monkey off your back. When you’re feeling stressed, take a couple of minutes to focus on your breathing. Close the door, put away all other distractions, and just sit in a chair and breathe. The goal is to spend the entire time focused only on your breathing, which will prevent your mind from wandering. Think about how it feels to breathe in and out. This sounds simple, but it’s hard to do for more than a minute or two. It’s all right if you get sidetracked by another thought; this is sure to happen at the beginning, and you just need to bring your focus back to your breathing. If staying focused on your breathing proves to be a real struggle, try counting each breath in and out until you get to 20, and then start again from 1. Don’t worry if you lose count; you can always just start over.

This task may seem too easy or even a little silly, but you’ll be surprised by how calm you feel afterward and how much easier it is to let go of distracting thoughts that otherwise seem to have lodged permanently inside your brain.

They Use Their Support System

It’s tempting, yet entirely ineffective, to attempt tackling everything by yourself. To be calm and productive, you need to recognize your weaknesses and ask for help when you need it. This means tapping into your support system when a situation is challenging enough for you to feel overwhelmed. Everyone has someone at work and/or outside work who is on their team, rooting for them, and ready to help them get the best from a difficult situation. Identify these individuals in your life and make an effort to seek their insight and assistance when you need it. Something as simple as talking about your worries will provide an outlet for your anxiety and stress and supply you with a new perspective on the situation. Most of the time, other people can see a solution that you can’t because they are not as emotionally invested in the situation. Asking for help will mitigate your stress and strengthen your relationships with those you rely upon. 

 

Nguồn: finandlife|Dr.Travis Bradberry

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StoriesofLife

Niềm hy vọng trong lúc khốn khó

by Life07/09/2014 09:41

Một trong những bí mật vĩ đại của cuộc đời đó chính là hãy tìm thấy một “ánh sáng hy vọng” trong đám khói đen của sự rủi ro.

Có một người duy nhất sống sót trong một tai nạn đắm tàu và trôi dạt trên một hoang đảo nhỏ.

Kiệt sức, nhưng cuối cùng anh cũng gom được những mẫu gỗ trôi dạt và tạo cho mình một túp lều nhỏ để trú ẩn và cất giữ một vài đồ đạc còn sót lại. Ngày ngày anh nhìn về chân trời cầu mong được cứu thoát, nhưng dường như vô ích.

Thế rồi một ngày, như thường lệ anh rời khỏi chòi để tìm thức ăn trong khi bếp lửa trong lều vẫn cháy. Khi anh trở về thì túp lều nhỏ đã ngập trong lửa, khói cuộn bốc lên trời cao. Điều tồi tệ nhất đã xảy đến. Mọi thứ đều tiêu tan thành tro bụi. Anh chết lặng trong sự tuyệt vọng: “Sao mọi việc lại thế này lại xảy đến với tôi hở trời”.

Thế nhưng, rạng sáng hôm sau, anh bị đánh thức bởi âm thanh của một chiếc tàu đang tiến đến gần đảo. Người ta đã đến để cứu anh. “Làm sao các anh biết được tôi ở đây?” Anh hỏi những người cứu mình. Họ trả lời: “Chúng tôi thấy tín hiệu khói của anh”.

Thật dễ dàng chán nản và thất vọng khi sự đời xảy đến ngoài ý muốn. Nhưng cho dù điều gì xảy ra đi chăng nữa, cách đón nhận của bạn, sẽ quyết định mức độ trầm trọng của sự việc, quyết định quan điểm và sự hạnh phúc của bạn. Một trong những bí mật vĩ đại của cuộc đời đó chính là hãy tìm thấy một “ánh sáng hy vọng” trong đám khói đen của sự rủi ro.(st ima.edu.vn)

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DISCLAIMER

I am currently serving as an Investment Manager at Vietcap Securities JSC, leveraging 16 years of experience in investment analysis. My journey began as a junior analyst at a fund in 2007, allowing me to cultivate a profound understanding of Vietnam's macroeconomics, conduct meticulous equity research, and actively pursue lucrative investment opportunities. Furthermore, I hold the position of Head of Derivatives, equipped with extensive knowledge and expertise in derivatives, ETFs, and CWs.

 

To document my insights and share personal perspectives, I maintain a private blog where I store valuable information. However, it is essential to acknowledge that the content provided on my blog is solely based on my own opinions and does not carry a guarantee of certainty. Consequently, I cannot assume responsibility for any trading or investing activities carried out based on the information shared. Nonetheless, I wholeheartedly welcome any questions or inquiries you may have. You can contact me via email at thuong.huynhngoc@gmail.com.

 

Thank you for your understanding, and I eagerly anticipate engaging with you on topics concerning investments and finance.

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