{"id":98622,"date":"2020-12-14T11:38:05","date_gmt":"2020-12-14T16:38:05","guid":{"rendered":"https:\/\/www.canamenterprises.com\/2020\/12\/hanh-dong-ngay-cac-buoc-lap-ke-hoach-tai-chinh-can-thuc-hien-truoc-khi-ket-thuc-nam\/"},"modified":"2026-11-04T13:47:12","modified_gmt":"2026-11-04T18:47:12","slug":"hanh-dong-ngay-cac-buoc-lap-ke-hoach-tai-chinh-can-thuc-hien-truoc-khi-ket-thuc-nam","status":"publish","type":"post","link":"https:\/\/www.canamenterprises.com\/vi\/2020\/12\/hanh-dong-ngay-cac-buoc-lap-ke-hoach-tai-chinh-can-thuc-hien-truoc-khi-ket-thuc-nam\/","title":{"rendered":"H\u00e0nh \u0111\u1ed9ng ngay! C\u00e1c b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u1ea7n th\u1ef1c hi\u1ec7n tr\u01b0\u1edbc khi k\u1ebft th\u00fac n\u0103m"},"content":{"rendered":"
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Th\u1eddi \u0111i\u1ec3m k\u1ebft th\u00fac n\u0103m d\u01b0\u01a1ng l\u1ecbch lu\u00f4n l\u00e0 d\u1ecbp t\u1ed1t \u0111\u1ec3 xem x\u00e9t, ph\u1ea3n h\u1ed3i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i c\u1ea3 m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n l\u1eabn t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y hi\u1ec7n nay quan tr\u1ecdng h\u01a1n bao gi\u1edd h\u1ebft tr\u01b0\u1edbc nh\u1eefng thay \u0111\u1ed5i s\u00e2u s\u1eafc \u0111\u00e3 x\u1ea3y ra do \u0111\u1ea1i d\u1ecbch coronavirus. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, virus c\u00f3 th\u1ec3 \u0111\u00e3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh ho\u1eb7c g\u00e2y ra s\u1ef1 thay \u0111\u1ed5i trong c\u00e1c m\u1ee5c ti\u00eau ho\u1eb7c \u0111\u1ecbnh h\u01b0\u1edbng. C\u00e1c \u0111i\u1ec1u lu\u1eadt \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 Hoa K\u1ef3 th\u00f4ng qua trong \u0110\u1ea1o lu\u1eadt CARES c\u0169ng \u0111\u00e3 thay \u0111\u1ed5i m\u1ed9t s\u1ed1 quy t\u1eafc n\u1ed9p h\u1ed3 s\u01a1 thu\u1ebf cho t\u1edd khai thu\u1ebf n\u0103m 2020.<\/p>\n

Ng\u00e0y 31 th\u00e1ng 12<\/sup> th\u01b0\u1eddng \u0111\u00e1nh d\u1ea5u m\u1ed9t th\u1eddi h\u1ea1n quan tr\u1ecdng \u0111\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 b\u01b0\u1edbc \u0111i t\u00e0i ch\u00ednh chi\u1ebfn l\u01b0\u1ee3c then ch\u1ed1t. M\u1ed9t s\u1ed1 nhi\u1ec7m v\u1ee5 nh\u1ea5t \u0111\u1ecbnh c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c ho\u00e0n th\u00e0nh tr\u01b0\u1edbc khi k\u1ebft th\u00fac n\u0103m nh\u1eb1m t\u1ed1i \u0111a h\u00f3a l\u1ee3i \u00edch t\u00e0i ch\u00ednh, ho\u1eb7c tr\u00e1nh nh\u1eefng sai l\u1ea7m t\u1ed1n k\u00e9m c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn c\u00e1c kho\u1ea3n ph\u00ed, h\u00ecnh ph\u1ea1t thu\u1ebf cao h\u01a1n ho\u1eb7c b\u1ecf l\u1ee1 c\u00e1c c\u01a1 h\u1ed9i. D\u01b0\u1edbi \u0111\u00e2y ch\u00fang t\u00f4i n\u00eau b\u1eadt 10 l\u1eddi khuy\u00ean c\u1ea7n c\u00e2n nh\u1eafc cho vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh cu\u1ed1i n\u0103m 2020 c\u1ee7a qu\u00fd v\u1ecb.<\/span><\/p>\n

1. T\u1ed1i \u0111a h\u00f3a c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb thu\u1ebf:<\/b> H\u00e3y ch\u1ee7 \u0111\u1ed9ng gi\u1ea3m t\u1ed5ng h\u00f3a \u0111\u01a1n thu\u1ebf c\u1ee7a qu\u00fd v\u1ecb cho n\u0103m 2020. M\u1ed9t s\u1ed1 \u0111\u1ed9ng th\u00e1i c\u1ea7n th\u1ef1c hi\u1ec7n trong n\u0103m 2020 bao g\u1ed3m ho\u00e0n t\u1ea5t m\u1ecdi chi ph\u00ed li\u1ec7t k\u00ea, ch\u1eb3ng h\u1ea1n nh\u01b0 tr\u1ea3 tr\u01b0\u1edbc thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n cho n\u0103m 2021, thanh to\u00e1n cho b\u1ea5t k\u1ef3 chi ph\u00ed n\u00e0o li\u00ean quan \u0111\u1ebfn kinh doanh v\u00e0 \u0111\u00f3ng g\u00f3p t\u1eeb thi\u1ec7n. \u0110\u1ea1o lu\u1eadt CARES t\u1ea1o ra m\u1ed9t thay \u0111\u1ed5i nh\u1ecf nh\u1eb1m th\u00fac \u0111\u1ea9y vi\u1ec7c quy\u00ean g\u00f3p t\u1eeb thi\u1ec7n v\u00e0o n\u0103m 2020. Nh\u1eefng ng\u01b0\u1eddi n\u1ed9p h\u1ed3 s\u01a1 thu\u1ebf ch\u1ecdn Kh\u1ea5u tr\u1eeb Ti\u00eau chu\u1ea9n v\u00e0 kh\u00f4ng n\u1ed9p t\u1edd khai thu\u1ebf li\u1ec7t k\u00ea chi ti\u1ebft th\u00f4ng th\u01b0\u1eddng s\u1ebd kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c l\u1ee3i \u00edch thu\u1ebf t\u1eeb kho\u1ea3n \u0111\u00f3ng g\u00f3p t\u1eeb thi\u1ec7n. Tuy nhi\u00ean, \u0110\u1ea1o lu\u1eadt CARES cho ph\u00e9p kh\u1ea5u tr\u1eeb \u201cTr\u00ean d\u00f2ng k\u1ebb\u201d (Above the Line) l\u00ean t\u1edbi $300 cho c\u00e1c kho\u1ea3n quy\u00ean g\u00f3p b\u1eb1ng ti\u1ec1n m\u1eb7t \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u1ef1c ti\u1ebfp cho m\u1ed9t t\u1ed5 ch\u1ee9c t\u1eeb thi\u1ec7n 501(c) trong n\u0103m 2020.<\/p>\n<\/div>\n

2. Xem x\u00e9t vi\u1ec7c kh\u1ea5u l\u01b0u v\u00e0 c\u00e1c kho\u1ea3n thanh to\u00e1n thu\u1ebf \u01b0\u1edbc t\u00ednh:<\/b> H\u00e3y ch\u1eafc ch\u1eafn r\u1eb1ng qu\u00fd v\u1ecb \u0111ang kh\u1ea5u l\u01b0u \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1p \u1ee9ng ngh\u0129a v\u1ee5 thu\u1ebf li\u00ean bang c\u1ee7a m\u00ecnh. Vi\u1ec7c kh\u00f4ng kh\u1ea5u l\u01b0u \u0111\u1ee7 thu\u1ebf (ho\u1eb7c kh\u00f4ng n\u1ed9p \u0111\u1ee7 thu\u1ebf \u01b0\u1edbc t\u00ednh h\u00e0ng qu\u00fd) c\u00f3 th\u1ec3 khi\u1ebfn qu\u00fd v\u1ecb n\u1ee3 thu\u1ebf khi n\u1ed9p t\u1edd khai v\u00e0 c\u0169ng ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t c\u0169ng nh\u01b0 c\u00e1c kho\u1ea3n ph\u1ea1t. N\u1ebfu qu\u00fd v\u1ecb th\u1ef1c hi\u1ec7n c\u00e1c kho\u1ea3n thanh to\u00e1n thu\u1ebf \u01b0\u1edbc t\u00ednh trong su\u1ed1t c\u1ea3 n\u0103m, h\u00e3y ki\u1ec3m tra v\u1edbi k\u1ebf to\u00e1n c\u1ee7a m\u00ecnh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o c\u00e1c kho\u1ea3n thanh to\u00e1n \u0111ang \u0111i \u0111\u00fang h\u01b0\u1edbng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u. Qu\u00fd v\u1ecb c\u00f3 th\u1ec3 c\u1ea7n t\u0103ng m\u1ee9c thanh to\u00e1n kh\u1ea5u l\u01b0u thu\u1ebf tr\u01b0\u1edbc khi k\u1ebft th\u00fac n\u0103m \u0111\u1ec3 tr\u00e1nh b\u1ea5t k\u1ef3 h\u00ecnh ph\u1ea1t n\u00e0o tr\u00ean t\u1edd khai thu\u1ebf n\u0103m 2020 c\u1ee7a m\u00ecnh.<\/p>\n

3. \u0110\u00f3ng g\u00f3p v\u00e0o c\u00e1c t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed:<\/b> C\u00e1c c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng nhi\u1ec1u <\/span>lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed kh\u00e1c nhau \u0111\u1ec3 gia t\u0103ng t\u00e0i s\u1ea3n cho khi ngh\u1ec9 h\u01b0u. C\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p v\u00e0o t\u00e0i kho\u1ea3n IRA truy\u1ec1n th\u1ed1ng, IRA cho nh\u00e2n vi\u00ean \u0111\u01a1n gi\u1ea3n h\u00f3a (SEP) v\u00e0 Roth IRA c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n cho \u0111\u1ebfn th\u1eddi h\u1ea1n n\u1ed9p thu\u1ebf l\u00e0 ng\u00e0y 15 th\u00e1ng 4, ho\u1eb7c th\u1eadm ch\u00ed mu\u1ed9n h\u01a1n khi y\u00eau c\u1ea7u gia h\u1ea1n n\u1ed9p h\u1ed3 s\u01a1 thu\u1ebf. M\u1ed9t ngo\u1ea1i l\u1ec7 y\u00eau c\u1ea7u c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p cho n\u0103m d\u01b0\u01a1ng l\u1ecbch ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u01b0\u1edbc ng\u00e0y 31 th\u00e1ng 12 l\u00e0 k\u1ebf ho\u1ea1ch 401(k). 401(k) l\u00e0 t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed do c\u00f4ng ty b\u1ea3o tr\u1ee3. Nh\u00e2n vi\u00ean c\u00f3 th\u1ec3 \u0111\u00f3ng g\u00f3p t\u1ed1i \u0111a $19.500. Th\u1eddi h\u1ea1n ng\u00e0y 31 th\u00e1ng 12 c\u0169ng l\u00e0 m\u1ed9t ng\u00e0y quan tr\u1ecdng c\u1ea7n \u0111\u00e1p \u1ee9ng n\u1ebfu ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u1ee7a qu\u00fd v\u1ecb \u0111\u01b0a ra m\u1ee9c \u0111\u00f3ng g\u00f3p “\u0111\u1ed1i \u1ee9ng” (match) cho 401(k). Nh\u1eefng kho\u1ea3n \u0111\u00f3ng g\u00f3p “\u0111\u1ed1i \u1ee9ng” c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng n\u00e0y l\u00e0 qu\u00e1 t\u1ed1t \u0111\u1ec3 b\u1ecf qua v\u00ec n\u00f3 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi vi\u1ec7c nh\u1eadn \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn 100% ngay l\u1eadp t\u1ee9c tr\u00ean s\u1ed1 ti\u1ec1n \u0111\u1ea7u t\u01b0.<\/p>\n

4. Suy ngh\u0129 l\u1ea1i v\u1ec1 vi\u1ec7c r\u00fat ti\u1ec1n h\u01b0u tr\u00ed:<\/b> Nh\u1eefng c\u00e1 nh\u00e2n tr\u00ean 70 \u00bd tu\u1ed5i \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ph\u1ea3i r\u00fat c\u00e1c kho\u1ea3n ph\u00e2n ph\u1ed1i t\u1ed1i thi\u1ec3u t\u1eeb t\u00e0i kho\u1ea3n IRA c\u1ee7a h\u1ecd. Tuy nhi\u00ean, \u0110\u1ea1o lu\u1eadt CARES n\u0103m 2020 \u0111\u00e3 cung c\u1ea5p m\u1ed9t v\u0103n b\u1ea3n mi\u1ec5n tr\u1eeb cho ph\u00e9p nh\u1eefng ng\u01b0\u1eddi ch\u1ee7 t\u00e0i kho\u1ea3n IRA tr\u00ean 72 tu\u1ed5i c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn kh\u00f4ng r\u00fat c\u00e1c kho\u1ea3n ph\u00e2n ph\u1ed1i t\u1ed1i thi\u1ec3u b\u1eaft bu\u1ed9c cho N\u0103m Thu\u1ebf 2020. N\u1ebfu qu\u00fd v\u1ecb ch\u01b0a th\u1ef1c hi\u1ec7n r\u00fat ti\u1ec1n cho n\u0103m 2020 v\u00e0 kh\u00f4ng c\u1ea7n d\u00f2ng ti\u1ec1n, qu\u00fd v\u1ecb c\u00f3 th\u1ec3 mu\u1ed1n b\u1ecf qua vi\u1ec7c r\u00fat ti\u1ec1n \u0111\u1ec3 gi\u1ea3m thu nh\u1eadp ch\u1ecbu thu\u1ebf.<\/p>\n

5. \u0110\u00f3ng g\u00f3p v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u1ea1i h\u1ecdc 529: <\/b>T\u00e0i kho\u1ea3n 529 cung c\u1ea5p kho\u1ea3n ti\u1ebft ki\u1ec7m mi\u1ec5n thu\u1ebf cho c\u00e1c chi ph\u00ed gi\u00e1o d\u1ee5c \u0111\u1ea1i h\u1ecdc. M\u1eb7c d\u00f9 c\u00e1c quy t\u1eafc kh\u00e1c nhau t\u00f9y theo ti\u1ec3u bang, nhi\u1ec1u n\u01a1i cung c\u1ea5p kho\u1ea3n kh\u1ea5u tr\u1eeb thu\u1ebf thu nh\u1eadp ti\u1ec3u bang cho c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p. Tuy nhi\u00ean, nh\u1eefng kho\u1ea3n \u0111\u00f3ng g\u00f3p \u0111\u00f3 ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u01b0\u1edbc ng\u00e0y 31 th\u00e1ng 12 cho n\u0103m thu\u1ebf 2020.<\/p>\n

6. C\u00e2n nh\u1eafc c\u00e1c m\u00f3n qu\u00e0 t\u00e0i ch\u00ednh cu\u1ed1i n\u0103m:<\/b> Khi l\u1eadp k\u1ebf ho\u1ea1ch cho t\u00e0i s\u1ea3n k\u1ebf th\u1eeba, nhi\u1ec1u ng\u01b0\u1eddi th\u01b0\u1eddng ngh\u0129 \u0111\u1ebfn c\u00e1c chi\u1ebfn l\u01b0\u1ee3c l\u1eadp k\u1ebf ho\u1ea1ch di s\u1ea3n m\u00e0 h\u1ecd c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n ngay b\u00e2y gi\u1edd \u0111\u1ec3 gi\u1ea3m c\u00e1c h\u00ecnh ph\u1ea1t thu\u1ebf cho ng\u01b0\u1eddi th\u1eeba k\u1ebf trong t\u01b0\u01a1ng lai. C\u00e1c c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 t\u1eb7ng t\u1ed1i \u0111a $15.000 cho bao nhi\u00eau ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng t\u00f9y th\u00edch m\u1ed7i n\u0103m m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 thu\u1ebf qu\u00e0 t\u1eb7ng ho\u1eb7c l\u00e0m gi\u1ea3m s\u1ed1 ti\u1ec1n mi\u1ec5n tr\u1eeb thu\u1ebf di s\u1ea3n tr\u1ecdn \u0111\u1eddi. V\u00ed d\u1ee5, n\u1ebfu m\u1ed9t c\u1eb7p v\u1ee3 ch\u1ed3ng mu\u1ed1n t\u1ed1i \u0111a h\u00f3a s\u1ed1 ti\u1ec1n t\u1eb7ng cho b\u1ed1n ng\u01b0\u1eddi ch\u00e1u c\u1ee7a h\u1ecd, m\u1ed7i ng\u01b0\u1eddi c\u00f3 th\u1ec3 t\u1eb7ng $15.000, t\u1ed5ng c\u1ed9ng l\u00e0 $120.000 qu\u00e0 t\u1eb7ng mi\u1ec5n thu\u1ebf.<\/p>\n

7. Xem x\u00e9t danh m\u1ee5c \u0111\u1ea7u t\u01b0:<\/b> Cu\u1ed1i n\u0103m lu\u00f4n l\u00e0 th\u1eddi \u0111i\u1ec3m t\u1ed1t \u0111\u1ec3 g\u1eb7p g\u1ee1 c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh v\u00e0 xem x\u00e9t c\u00e1c m\u1ee5c ti\u00eau c\u0169ng nh\u01b0 \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ea7u t\u01b0. D\u1ef1a tr\u00ean hi\u1ec7u su\u1ea5t \u0111\u1ea7u t\u01b0 v\u00e0o n\u0103m 2020, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh ph\u00e2n b\u1ed5 danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro t\u1eadp trung v\u00e0 c\u1ea3i thi\u1ec7n s\u1ef1 \u0111a d\u1ea1ng h\u00f3a.<\/p>\n

8. C\u00e2n nh\u1eafc vi\u1ec7c b\u00e1n c\u1ed5 phi\u1ebfu:<\/b> N\u0103m 2020 l\u00e0 m\u1ed9t n\u0103m \u0111\u1ea7y bi\u1ebfn \u0111\u1ed9ng tr\u00ean Ph\u1ed1 Wall. M\u1ed9t s\u1ed1 c\u1ed5 phi\u1ebfu \u0111\u00e3 t\u0103ng v\u1ecdt, trong khi c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c l\u1ea1i g\u1eb7p kh\u00f3 kh\u0103n. M\u1eb7c d\u00f9 l\u1eddi khuy\u00ean cu\u1ed1i n\u0103m th\u00f4ng th\u01b0\u1eddng l\u00e0 b\u00e1n c\u1ed5 phi\u1ebfu b\u1ecb l\u1ed7 \u0111\u1ec3 b\u00f9 \u0111\u1eafp thu nh\u1eadp, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u0169ng c\u00f3 th\u1ec3 mu\u1ed1n c\u00e2n nh\u1eafc vi\u1ec7c b\u00e1n c\u1ed5 phi\u1ebfu \u0111\u1ec3 hi\u1ec7n th\u1ef1c h\u00f3a l\u1ee3i nhu\u1eadn. Nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n \u0111\u00f3 \u0111\u1ec3 \u0111\u00f3ng g\u00f3p v\u00e0o t\u00e0i kho\u1ea3n IRA ho\u1eb7c 529, t\u00e1i tri\u1ec3n khai v\u1ed1n v\u00e0o c\u00e1c t\u00e0i s\u1ea3n thay th\u1ebf nh\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, tr\u1ea3 n\u1ee3 ho\u1eb7c t\u0103ng d\u1ef1 tr\u1eef ti\u1ec1n m\u1eb7t.<\/p>\n

9. Ki\u1ec3m tra \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a qu\u00fd v\u1ecb: <\/b>Cu\u1ed1i n\u0103m l\u00e0 th\u1eddi \u0111i\u1ec3m t\u1ed1t \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh t\u1ed5ng th\u1ec3 c\u1ee7a qu\u00fd v\u1ecb. \u0110\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111ang n\u1ed7 l\u1ef1c thi\u1ebft l\u1eadp t\u00edn d\u1ee5ng t\u1ea1i Hoa K\u1ef3, \u0111\u00e2y l\u00e0 th\u1eddi \u0111i\u1ec3m t\u1ed1t \u0111\u1ec3 xem x\u00e9t \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a qu\u00fd v\u1ecb v\u00e0 l\u01b0u \u00fd b\u1ea5t k\u1ef3 s\u1ef1 c\u1ea3i thi\u1ec7n ho\u1eb7c s\u1ee5t gi\u1ea3m n\u00e0o trong s\u1ed1 \u0111i\u1ec3m \u0111\u00f3 \u0111\u1ec3 c\u00f3 th\u1ec3 th\u00fac \u0111\u1ea9y m\u1ed9t s\u1ef1 thay \u0111\u1ed5i trong chi\u1ebfn l\u01b0\u1ee3c.<\/p>\n

10. Xem x\u00e9t d\u1ef1 tr\u1eef ti\u1ec1n m\u1eb7t & ng\u00e2n s\u00e1ch:<\/b> Vi\u1ec7c c\u00f3 c\u00e1c kho\u1ea3n d\u1ef1 tr\u1eef ti\u1ec1n m\u1eb7t d\u00e0nh ri\u00eang cho tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p, ch\u1eb3ng h\u1ea1n nh\u01b0 \u1ed1m \u0111au ho\u1eb7c m\u1ea5t vi\u1ec7c l\u00e0m, lu\u00f4n l\u00e0 \u0111i\u1ec1u kh\u00f4n ngoan. \u0110\u1ea1i d\u1ecbch coronavirus n\u0103m 2020 l\u00e0 m\u1ed9t cu\u1ed9c kh\u1ee7ng ho\u1ea3ng y t\u1ebf v\u00e0 kinh t\u1ebf k\u1ebft h\u1ee3p l\u1ea1i, \u0111\u01b0a nh\u1eefng k\u1ecbch b\u1ea3n kh\u1ea9n c\u1ea5p \u0111\u00f3 l\u00ean h\u00e0ng \u0111\u1ea7u \u0111\u1ed1i v\u1edbi nhi\u1ec1u c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh. M\u1eb7c d\u00f9 c\u00f3 hy v\u1ecdng r\u1eb1ng \u0111\u1ea1i d\u1ecbch s\u1eafp k\u1ebft th\u00fac v\u1edbi vi\u1ec7c ph\u00e1t tri\u1ec3n v\u1eafc-xin, \u0111\u00e2y v\u1eabn l\u00e0 th\u1eddi \u0111i\u1ec3m t\u1ed1t \u0111\u1ec3 xem x\u00e9t d\u1ef1 tr\u1eef ti\u1ec1n m\u1eb7t v\u00e0 ng\u00e2n s\u00e1ch cho n\u0103m 2021, \u0111\u1eb7c bi\u1ec7t n\u1ebfu ho\u00e0n c\u1ea3nh c\u00e1 nh\u00e2n \u0111\u00e3 thay \u0111\u1ed5i. N\u1ebfu kho\u1ea3n ti\u1ebft ki\u1ec7m ho\u1eb7c d\u1ef1 tr\u1eef ti\u1ec1n m\u1eb7t c\u1ee7a qu\u00fd v\u1ecb \u0111ang \u1edf m\u1ee9c th\u1ea5p, h\u00e3y l\u1eadp k\u1ebf ho\u1ea1ch \u0111\u1ec3 b\u1ed5 sung cho c\u00e1c t\u00e0i kho\u1ea3n \u0111\u00f3.<\/p>\n

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C\u0169ng nh\u01b0 v\u1edbi b\u1ea5t k\u1ef3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh n\u00e0o, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 lu\u00f4n n\u00ean th\u1ef1c hi\u1ec7n th\u1ea9m \u0111\u1ecbnh c\u1ea9n th\u1eadn v\u00e0 l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t c\u1ed1 v\u1ea5n \u0111\u00e1ng tin c\u1eady.<\/i><\/p>\n<\/div>\n<\/div>\n

# # #<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Th\u1eddi \u0111i\u1ec3m k\u1ebft th\u00fac n\u0103m d\u01b0\u01a1ng l\u1ecbch lu\u00f4n l\u00e0 d\u1ecbp t\u1ed1t \u0111\u1ec3 xem x\u00e9t, ph\u1ea3n h\u1ed3i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i c\u1ea3 m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n l\u1eabn t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y hi\u1ec7n nay quan tr\u1ecdng h\u01a1n bao gi\u1edd h\u1ebft tr\u01b0\u1edbc nh\u1eefng thay \u0111\u1ed5i s\u00e2u s\u1eafc \u0111\u00e3 x\u1ea3y ra do \u0111\u1ea1i d\u1ecbch coronavirus. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng […]<\/p>\n","protected":false},"author":2,"featured_media":80155,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-98622","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-vi"],"acf":[],"yoast_head":"\nH\u00e0nh \u0111\u1ed9ng ngay! C\u00e1c b\u01b0\u1edbc l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u1ea7n th\u1ef1c hi\u1ec7n tr\u01b0\u1edbc khi k\u1ebft th\u00fac n\u0103m<\/title>\n<meta name=\"description\" content=\"Cu\u1ed1i n\u0103m l\u00e0 th\u1eddi \u0111i\u1ec3m th\u00edch h\u1ee3p \u0111\u1ec3 xem x\u00e9t c\u00e1c m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n v\u00e0 t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t l\u00e0 sau \u0111\u1ea1i d\u1ecbch coronavirus v\u00e0 nh\u1eefng thay \u0111\u1ed5i c\u1ee7a \u0110\u1ea1o lu\u1eadt CARES \u0111\u1ed1i v\u1edbi c\u00e1c quy t\u1eafc n\u1ed9p h\u1ed3 s\u01a1 thu\u1ebf n\u0103m 2020.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.canamenterprises.com\/vi\/2020\/12\/hanh-dong-ngay-cac-buoc-lap-ke-hoach-tai-chinh-can-thuc-hien-truoc-khi-ket-thuc-nam\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"H\u00e0nh \u0111\u1ed9ng ngay! 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