nop don vay findo<\/a> nh\u00e2n, c\u00f4ng ty th\u1ebf ch\u1ea5p ho\u1eb7c th\u1eadm ch\u00ed b\u1ea5t k\u1ef3 kho\u1ea3n 401(k n\u00e0o). C\u00e1c lo\u1ea1i kh\u00e1c nhau li\u00ean quan \u0111\u1ebfn s\u1ef1 ti\u1ebfn b\u1ed9 \u0111\u1ec1u c\u00f3 nh\u1eefng m\u1eb7t t\u00edch c\u1ef1c v\u00e0 ti\u00eau c\u1ef1c. M\u1ed9t s\u1ed1 c\u00f3 th\u1ec3 \u0111\u0103ng c\u00e1c m\u1ee9c gi\u00e1 c\u1ea1nh tranh, trong khi nh\u1eefng ng\u01b0\u1eddi kh\u00e1c \u0111\u01b0a ra m\u1ee9c chi ph\u00ed cao h\u01a1n v\u00e0 mu\u1ed1n c\u00f3 th\u1eddi h\u1ea1n giao d\u1ecbch d\u00e0i. Ch\u1ec9 c\u1ea7n \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh to\u00e0n b\u1ed9 l\u1ef1a ch\u1ecdn c\u1ee7a m\u00ecnh \u0111\u1ec3 ch\u1ecdn thi\u1ebft l\u1eadp t\u1ed1t nh\u1ea5t nh\u1eb1m tr\u00e1nh ph\u1ea3i tr\u1ea3 \u00edt nh\u1ea5t v\u00e0 b\u1eaft \u0111\u1ea7u. Vi\u1ec7c vay m\u01b0\u1ee3n r\u1ea5t t\u1ed1n k\u00e9m, v\u00ec v\u1eady t\u1ed1t h\u01a1n h\u1ebft l\u00e0 ch\u1ec9 n\u00ean vay khi th\u00edch h\u1ee3p.<\/p>\nS\u1eed d\u1ee5ng thi\u1ebft b\u1ecb \u0111\u00f3 \u0111\u1ec3 t\u00ednh to\u00e1n chi ph\u00ed \u0111i\u1ec7n n\u0103ng v\u00e0 t\u1ef7 l\u1ec7 kh\u1edfi \u0111i\u1ec3m k\u00e8m theo nhi\u1ec1u lo\u1ea1i t\u00edn d\u1ee5ng kh\u00e1c nhau.<\/p>\n
2. T\u00ecm l\u1ef1a ch\u1ecdn c\u1ee7a b\u1ea1n<\/h2>\n
N\u00f3 s\u1ebd ho\u00e0n to\u00e0n t\u00ednh ph\u00ed d\u1ecbch v\u1ee5 b\u1eb1ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 vay ti\u1ec1n. Tuy nhi\u00ean, con n\u1ee3 c\u00f3 h\u1ecdc th\u1ee9c hi\u1ec3u l\u1ef1a ch\u1ecdn n\u00e0o th\u01b0\u1eddng \u0111\u01b0\u1ee3c m\u1edf cho \u0111i\u1ec1u n\u00e0y v\u00e0 b\u1eaft \u0111\u1ea7u c\u00f3 th\u1ec3 ch\u1ecdn b\u1ea1n \u0111\u00e1ng ch\u00fa \u00fd nh\u1ea5t theo s\u1ef1 cho ph\u00e9p c\u1ee7a h\u1ecd. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m vi\u1ec7c t\u00ecm ki\u1ebfm xung quanh m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng kh\u00e1c \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 h\u1ed9i \u0111\u0103ng k\u00fd \u00edt t\u1ed1n k\u00e9m nh\u1ea5t, ch\u1eb3ng h\u1ea1n nh\u01b0 nh\u1eefng c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c \u0111\u01b0a ra b\u1edfi c\u00e1c cu\u1ed9c h\u00f4n nh\u00e2n kinh t\u1ebf c\u0169ng nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh tr\u1ef1c tuy\u1ebfn. N\u00f3 c\u0169ng c\u00f3 th\u1ec3 ng\u1ee5 \u00fd coi c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf l\u00e0 s\u1ef1 ph\u00e1 v\u1ee1 c\u00e1c m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n v\u00e0 b\u1eaft \u0111\u1ea7u vay m\u01b0\u1ee3n b\u1eb1ng c\u00e1ch c\u1ea5p l\u01b0\u01a1ng h\u01b0u 401(k).<\/p>\n
Y\u00eau c\u1ea7u h\u1ed7 tr\u1ee3 ti\u1ec1n m\u1eb7t \u0111\u1ec3 m\u1ecdi ng\u01b0\u1eddi c\u00f3 c\u00e1c \u01b0u \u0111\u00e3i v\u1ec1 lu\u1ed3ng kh\u00f4ng kh\u00ed ch\u00ednh, b\u1ed5 sung c\u00e1c \u0111i\u1ec1u khi\u1ec3n v\u00e0 n\u01a1i \u1edf m\u1edbi m\u1eb7c d\u00f9 h\u1ecd kh\u00f4ng c\u00f3 \u0111\u1ee7 ti\u1ec1n thu h\u1ed3i \u0111\u01b0\u1ee3c t\u1eeb thu nh\u1eadp. V\u00e0 kh\u00f4ng ph\u1ea3i t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh n\u00e0o c\u0169ng gi\u1ed1ng nhau. C\u00e1c l\u00fd do \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nhi\u1ec1u nh\u1ea5t \u0111\u1ec3 vay v\u1ed1n l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng c\u1ed5 \u0111i\u1ec3n, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 b\u1eaft \u0111\u1ea7u h\u1ee3p t\u00e1c t\u00e0i ch\u00ednh, ng\u01b0\u1eddi cung c\u1ea5p ti\u1ec1n, c\u00e1c kho\u1ea3n cho vay ngang h\u00e0ng (P2P) c\u0169ng nh\u01b0 ti\u1ebfn tri\u1ec3n trong 401(k). \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 nam gi\u1edbi v\u00e0 ph\u1ee5 n\u1eef ph\u1ea3i hi\u1ec3u nh\u1eefng l\u1ee3i \u00edch v\u00e0 b\u1eaft \u0111\u1ea7u c\u00e1c h\u00e0nh vi gian l\u1eadn li\u00ean quan \u0111\u1ebfn t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u0111\u0103ng k\u00fd tr\u01b0\u1edbc khi \u0111\u0103ng k\u00fd th\u1ebb t\u00edn d\u1ee5ng. Ch\u1eb3ng h\u1ea1n nh\u01b0 t\u00edn d\u1ee5ng P2P v\u00e0 b\u1eaft \u0111\u1ea7u 401(k) c\u00f3 xu h\u01b0\u1edbng c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n so v\u1edbi c\u00e1c l\u1ef1a ch\u1ecdn cho vay t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng.<\/p>\n
4. Theo d\u00f5i h\u1ec7 th\u1ed1ng c\u1ee7a b\u1ea1n<\/h2>\n
Ti\u1ec1n t\u1ec7 b\u1eaft \u0111\u1ea7u c\u00f3 th\u1ec3 c\u00f3 \u1ea3nh h\u01b0\u1edfng ch\u00ednh \u0111\u1ebfn b\u1ea5t k\u1ef3 t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh n\u00e0o. C\u1ea7n ph\u1ea3i suy \u0111o\u00e1n nh\u1eefng c\u00e2n nh\u1eafc ch\u00ednh tr\u01b0\u1edbc khi vay v\u1ed1n. Nh\u1eefng c\u00e2u h\u1ecfi n\u00e0y s\u1ebd gi\u00fap b\u1ea1n tr\u00e1nh kh\u1ecfi nh\u1eefng h\u1ed1i ti\u1ebfc sau n\u00e0y.<\/p>\n
M\u1ed9t trong nh\u1eefng \u0111i\u1ec1u c\u1ea7n c\u00e2n nh\u1eafc nh\u1ea5t l\u00e0 li\u1ec7u m\u1ed9t ng\u01b0\u1eddi c\u00f3 \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 ho\u00e0n tr\u1ea3 kho\u1ea3n t\u00e0i ch\u00ednh hay kh\u00f4ng. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m \u00edt ngh\u0129a v\u1ee5 h\u01a1n c\u0169ng nh\u01b0 c\u00e1c h\u00f3a \u0111\u01a1n b\u1ed5 sung v\u00e0 chi ph\u00ed ban \u0111\u1ea7u. Vi\u1ec7c chi ti\u00eau cho m\u1ed9t b\u01b0\u1edbc ti\u1ebfn m\u1edbi ch\u1eafc ch\u1eafn s\u1ebd g\u00e2y c\u0103ng th\u1eb3ng cho ti\u1ec1n c\u1ee7a b\u1ea1n v\u00e0 h\u00e3y b\u1eaft \u0111\u1ea7u c\u00e2n nh\u1eafc tr\u01b0\u1edbc khi y\u00eau c\u1ea7u.<\/p>\n
M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 kh\u00e1c c\u1ea7n c\u00e2n nh\u1eafc l\u00e0 li\u1ec7u m\u1ee5c ti\u00eau c\u1ee7a vi\u1ec7c ti\u1ebfn v\u1ec1 ph\u00eda tr\u01b0\u1edbc c\u00f3 th\u1ef1c s\u1ef1 mang l\u1ea1i l\u1ee3i \u00edch cho b\u1ea1n v\u1ec1 l\u00e2u d\u00e0i hay kh\u00f4ng. N\u1ebfu b\u1ea1n c\u00f3 th\u1ec3 mu\u1ed1n h\u1ee3p nh\u1ea5t t\u00e0i ch\u00ednh v\u1edbi ti\u1ebfn tr\u00ecnh n\u00e0y ho\u1eb7c c\u00f3 th\u1ec3 mua m\u1ed9t kho\u1ea3n ph\u00ed \u0111\u00e1ng kinh ng\u1ea1c \u0111\u1ec3 gi\u00fap ti\u1ebft ki\u1ec7m ti\u1ec1n sau \u0111\u00f3, th\u00ec \u0111i\u1ec1u \u0111\u00f3 c\u00f3 th\u1ec3 c\u00f3 gi\u00e1 tr\u1ecb v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh.<\/p>\n
V\u00e0 cu\u1ed1i c\u00f9ng, \u0111i\u1ec1u kh\u00f4n ngoan l\u00e0 theo d\u00f5i nh\u1eefng h\u1ea1n ch\u1ebf m\u1edbi trong qu\u00e1 kh\u1ee9 v\u1ec1 y\u00eau c\u1ea7u v\u1ed1n ho\u1eb7c c\u00f3 th\u1ec3 l\u00e0 kinh t\u1ebf. T\u00edn d\u1ee5ng \u00edt nh\u1ea5t b\u1ea1n mu\u1ed1n s\u1ebd ch\u1ec9 khi\u1ebfn b\u1ea5t k\u1ef3 ai m\u1eafc n\u1ee3 v\u00e0 b\u1eaft \u0111\u1ea7u ph\u00e1 h\u1ee7y ti\u1ec1n t\u1ec7 v\u1ec1 l\u00e2u d\u00e0i. T\u1ed1t h\u01a1n h\u1ebft l\u00e0 c\u00e1c t\u1ea1p ch\u00ed n\u00ean t\u00edch l\u0169y c\u00e1c kho\u1ea3n c\u1eaft gi\u1ea3m mong mu\u1ed1n cao h\u01a1n ho\u1eb7c th\u1eadm ch\u00ed c\u00e1c h\u00f3a \u0111\u01a1n ch\u00ednh \u0111\u1ec3 \u0111\u0103ng k\u00fd nh\u1eefng g\u00ec ch\u00fang ta n\u00ean c\u00f3.<\/p>\n
Cho d\u00f9 m\u1ed9t ng\u01b0\u1eddi s\u1eafp ki\u1ebfm \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n l\u1edbn hay th\u1eadm ch\u00ed c\u1ea7n m\u1ed9t \u0111\u1ea1i l\u00fd ng\u1eafn g\u1ecdn, c\u00f3 r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi b\u1ea1n c\u00f3 th\u1ec3 vay thu nh\u1eadp. T\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u1ed5, n\u1ebfu b\u1ea1n mu\u1ed1n ti\u1ebfp c\u1eadn c\u00e1c li\u00ean minh t\u00e0i ch\u00ednh v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh d\u1ef1a tr\u00ean internet, b\u1ea1n s\u1ebd c\u00f3 m\u1ed9t s\u1ed1 c\u01a1 h\u1ed9i d\u1ef1a tr\u00ean nh\u1eefng s\u1edf th\u00edch m\u1edbi, s\u1ed1 ti\u1ec1n m\u00e0 b\u1ea5t k\u1ef3 ai \u0111\u1ecbnh vay v\u00e0 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u1ee5 th\u1ec3 c\u1ee7a n\u00f3.<\/p>\n
N\u00f3i chung, s\u1ebd t\u1ed1t h\u01a1n nhi\u1ec1u n\u1ebfu b\u1ea1n tr\u1ea3 ti\u1ec1n b\u1ea5t c\u1ee9 khi n\u00e0o b\u1ea1n c\u00f3 th\u1ec3, nh\u01b0ng cu\u1ed9c s\u1ed1ng c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n g\u1eb7p r\u1eafc r\u1ed1i li\u00ean quan \u0111\u1ebfn ngu\u1ed3n v\u1ed1n. C\u1ea7n ph\u1ea3i nh\u1eadn ra r\u1eb1ng kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n ngh\u1ec9 gi\u1ea3i lao \u0111\u1ec1u c\u00f3 ch\u1ea5t l\u01b0\u1ee3ng t\u1ed1t nh\u1ea5t, \u0111i k\u00e8m v\u1edbi m\u1ed9t lo\u1ea1t c\u00e1c nh\u01b0\u1ee3c \u0111i\u1ec3m v\u1ec1 t\u00e0i ch\u00ednh. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh xu\u1ea5t s\u1eafc \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng mong mu\u1ed1n k\u00e9o d\u00e0i c\u00f3 th\u1ec3 kh\u00f3 kh\u0103n ho\u1eb7c kh\u00f4ng th\u1ec3 duy tr\u00ec trong th\u1eddi gian d\u00e0i. Tuy nhi\u00ean, ngu\u1ed3n t\u00e0i ch\u00ednh kh\u00f4ng th\u00e0nh c\u00f4ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 c\u1ea5p h\u1ecdc b\u1ed5ng cho nh\u1eefng v\u1eadt d\u1ee5ng ti\u00eau hao m\u00e0 b\u1ea1n kh\u00f4ng ki\u1ebfm \u0111\u01b0\u1ee3c b\u1eb1ng ti\u1ec1n m\u1eb7t (chip, ni\u1ec1m vui, du l\u1ecbch) v\u00e0 b\u1eaft \u0111\u1ea7u t\u00ednh ph\u00ed d\u1ecbch v\u1ee5 c\u00f3 l\u00e3i su\u1ea5t c\u1ef1c l\u1edbn.<\/p>\n
Cho d\u00f9 b\u1ea1n \u0111\u1ecbnh vay nh\u01b0 m\u1ed9t kho\u1ea3n l\u00e3i l\u1edbn hay c\u00f3 th\u1ec3 y\u00eau c\u1ea7u kho\u1ea3n b\u1ed5 sung \u0111\u1ea7u ti\u00ean, \u0111\u00e2y lu\u00f4n l\u00e0 m\u1ed9t giai \u0111o\u1ea1n t\u1ed1t \u0111\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 k\u1ebf ho\u1ea1ch ch\u1ecdn c\u00f4ng ngh\u1ec7 \u0111\u1ed5i m\u1edbi h\u1ee3p l\u00fd nh\u1ea5t ph\u00f9 h\u1ee3p v\u1edbi s\u1edf th\u00edch c\u1ee7a b\u1ea1n. \u0110i\u1ec1u n\u00e0y s\u1ebd \u0111\u1ea7u t\u01b0 m\u1ed9t ch\u00fat th\u1eddi gian, nh\u01b0ng n\u00f3 s\u1ebd gi\u00fap b\u1ea1n tr\u00e1nh ph\u1ea3i tr\u1ea3 th\u00eam ti\u1ec1n theo nhu c\u1ea7u v\u00e0 chi ph\u00ed. M\u1ed9t l\u1ef1a ch\u1ecdn m\u1edbi trong khi s\u1eed d\u1ee5ng th\u1ebb, c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ph\u00fac l\u1ee3i v\u00e0 b\u1eaft \u0111\u1ea7u vay trong 401(k) c\u00f3 th\u1ec3 c\u00f4ng b\u1ed1 ph\u00ed d\u1ecbch v\u1ee5 c\u1eaft c\u1ed5 trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n c\u00f3 kh\u1ea3 n\u0103ng nghi\u00ean c\u1ee9u gi\u00e1 c\u1ea3.<\/p>\n","protected":false},"excerpt":{"rendered":"
B\u00e0i vi\u1ebft m\u1ed9t \u0111\u01a1n. T\u00ecm ki\u1ebfm Nhu c\u1ea7u b\u1ea1n c\u00f3 2. T\u00ecm l\u1ef1a ch\u1ecdn c\u1ee7a b\u1ea1n 4. Theo d\u00f5i h\u1ec7 th\u1ed1ng c\u1ee7a b\u1ea1n V\u1ed1n thu nh\u1eadp n\u1ebfu b\u1ea1n mu\u1ed1n cho b\u1ea1n b\u00e8 v\u00e0 gia \u0111\u00ecnh l\u00e0 m\u1ed9t s\u1ef1 l\u1ef1a ch\u1ecdn c\u00e1 nh\u00e2n. Tuy nhi\u00ean, n\u00f3 cho ph\u00e9p b\u1ea1n th\u1ef1c hi\u1ec7n […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/nutricionbiologica.com\/wp-json\/wp\/v2\/posts\/1481"}],"collection":[{"href":"https:\/\/nutricionbiologica.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nutricionbiologica.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nutricionbiologica.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nutricionbiologica.com\/wp-json\/wp\/v2\/comments?post=1481"}],"version-history":[{"count":1,"href":"https:\/\/nutricionbiologica.com\/wp-json\/wp\/v2\/posts\/1481\/revisions"}],"predecessor-version":[{"id":1482,"href":"https:\/\/nutricionbiologica.com\/wp-json\/wp\/v2\/posts\/1481\/revisions\/1482"}],"wp:attachment":[{"href":"https:\/\/nutricionbiologica.com\/wp-json\/wp\/v2\/media?parent=1481"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nutricionbiologica.com\/wp-json\/wp\/v2\/categories?post=1481"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nutricionbiologica.com\/wp-json\/wp\/v2\/tags?post=1481"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}