- _,,,i "Tot nghi�p gan lien vdi "Thit ngh�p"? c6 mong muon cai minh sau tot nghi�p d�i hQC, phai �h tranh khoc li�t voi hang v�n ngU'oi hay bon ba khap day de tim ldim � aim? • B�n • Hay boi dU'ong quan ni�m ve tai chinh cho tre tu nhO Boi dUOng kha nang chfu ip lflc cho tre ·IB ·-.:� I NG�NTHU Ban c0 th� giup dU(lc tdi nao? a Nguai dfch: Thuy Linh D ng d� b;;in trO "tre dau tay· khOng c0 kha nang chju dl,lng ap hJc Chi b6i dUOng kha nang chju ap h,tc cho tre, tang cuong kha � ang "de �hang" cua chung thi b;;in mdi gn.ip minh cO th� t1,11ap xa hOi d�y �nh tranh Kj vqng clia mt bol duang thinh tii Tac gia miAu ta l;;ii nhOng van de cuOc s6ng hang ma cac b$ � cha me hay b6 qua, coi nhe; thuat 1�1 mOt each sinh d0ng cac lo;;ii tam II va thai dO cua cha me d;;iy con, W d6 giup chung ta ap d1,mg cac phl/Clng phap dung d�n d� hUOng dAn va giao due cai vi9c neri lim � trinh tnicJng thlnh cUa tre 40 Cu6n sach hJa chQn 40 cau chuy�n truOng cua Ire va chia se vOi b;;in nhOng dieu tam d�c cua huan luy�n viAn ca heo, d� chli ng ta hQc each nhin vao th� giOi cua Ire, trai nghi�m cam giac cUa Ire, tll d6 dua chung di dun g duo ng cua cu¢ c doi mlnh Bi CMet chung s0ng hoi thufn giUa cha 111' va ca - � St/"" tim cUa tre huh c&1g 111' Pip Cu6n sach d�y cac ba me lam thl1 nao de uy d1,1ng m6i quan M giao ti4p vOi tre _trong cuoc s6 ng thuong ngay, d6ng tho1 c6 the nghi& m tuc l�ng ngh e tam sv clia tre, de m6i dua tre d6u tro m ot ngu�i c6 tu t_U ong dOc l�p s6ng c6 lrach nh1$m d1Jd1 sv anh h uong va n6 l!Jc cua me � NHA XUA°T BAN VAN HOA· THONG TIN Lain6idau Loin6idau •·····················• • •········· ············ Warren Buffett, ong la mot nha ddu tu c6 phieu hang ddu - Vi 500 ''Tot nghi�p" gan lien ''That nghi�p"? - vo1 the gioi Ong cung la nguoi giau nhat the gi6i tinh den truoc nam xdy cuoc khung hodng tai chinh nam 2008 Warren Buffett sinh nam 1930 toi mot thi tran nho phia Tay Chung ta dang song mot thoi doi ma d6 lu6n tiem an nhung dieu khien ngvoi cam thay lo long VO bat an: nhu chien tranh, hon hon, hJ lvt, dich benh, ngheo d6i nu6c My la Omaha Khi ong doi, cOng la luc gia dinh ong roi vao tinh cdnh kh6 khan nhat Cha ong la Howard Buffett choi cB phieu thua lo, CUOC song gia dinh VO cung tUng thieu hay cuQc khung hodng kinh te tocm cdu khung hodng Hai Warren nam tu6i, ong c6 bay mot qudy hang nho, nQ xdy tQi My, CUQC khung hodng gay dnh hvong ong dung ban keo coo su cho moi nguoi qua duong; sou nong ne t6i nen kinh te toan cau, khien viec "cat gidm nhan ong di ban tra chanh tren cac Ion nhon nhip Ive", "khong trd lvong cong nhon" cang lam tang tY le that nghiep Sinh vien m6i trvong tim d v oc viec kh6 khan, tat cd v6n de noy da too moi lo cua xa hoi 6n djnh Nhung chung ta hay gQt chuyen sa n g mot ben, VO cOng nghi de n mQt v6n de khac: mQt nguoi dUQC gido dl)C tu hQC mau giao den hoc dQi hoc, dUQC dau tu VQt chat day du, nhon duoc sv thuong yeu chem s6c cua cha me, thay co, ket qua loi tro "sdn p ham" khong dvoc xa hoi thua nhon, dieu khong khac m Qt nguoi "di buon bi lo von" Vqy nguyen nhan la dou? Moc du chung ta thvong quy tr6ch nhiem ve phia nha truong, xa hQi, n toe gid cho rang, nguoi tru6c tien can phdi tv ki�m dit§m chinh l a cha me, VO d¢c biet la trach nhiem cua nguoi cha dong nguoi qua loi Norn len chin tu6i, 6ng mua nu6c ngot tu cua hang cua ong noi, dem rao ban nu6c gidi khot kh6p noi Khi Warren muoi tu6i, sang s6m moi ong di duo 500 to boo, sou mot thong ong d� dL19c 175 dollar V6i ddu 6c tinh toan ddu tu tu nho, Warren Buffett ve sou tro thonh mot nguoi ddu tu ca phieu thonh c6ng nhat Nhting viec Buffett lorn duoc tu rat nhd ay, khien toi va bon phdi cung suy nghi, lieu chung ta 5, tudi c6 th� lam duoc gi? Oen nam hay tudi loi c6 th� lorn gi? Bon ch6c chan se trd loi rang: toi chi biet Nf)j h oc ! " Van de nam chinh cho day, vi each gioo dvc cdi cua chung ta khong he gi6ng nhau, hon ntia quan Lainoidau Loin6idau ··············· ······• · •···················· · ta la VO cung hep, niem ve tien bQC tru yen thong cua chung cha me lien thorn chi la mo ho C6 nhling tu du y soi lam cua � eek boc q an den viec giao dvc tien bQc cho tre, doi s o Neu bc;m la nguoi cha c6 trach nhiem, luon mong muon on cai minh s6m qudn ly van de ti en boc mot each chu dong, on nhat dinh phdi doc cu6n sach cha me deu cho rang: NVi�c tre ham me tien bgc la met dieu dang sq" Thot c6 Sl) mau thudn sau sac! Chung ta vat vd kiem Mn, cho cua chung ta hoc hanh dang hoang, cung l a d� c6 mot tvong lai tot dep Nhvng tvong lai tot dep c6 th� khong can den tien sao? Gido dvc truong hQc chu yeu la dgy cho tre nhung kien th uc ca bdn Nhung neu muon d� tre phdt tri�n toan di�n, khong th � thieu SI/ gido dvc cua gia dinh, VO nguai cha chinh /d trv CQf frong gia dinh, cung /a nguoi CO nhieU kien fhtJc V e cua cdi, vi vgy, boi duang nhCing kien thtJc tien bgc cho tre, nguai cha phdi lei nguoi giu trdch nhi�m quan tr9ng nhat Neu bon muon mlnh khong cdn doi den sou tot nghi�p doi hoc, ma n ga y dang ngoi tren gidng duong van c6 th� lam tot cong viec, bt phan ba (IQi nhuon chu yeu tre tv tinh toanl; thong qua hoot d¢ng ki�u IQi rat c6 hieu qua viec ren luyen giup tre bQC IQ khd nang, nam bat cac bu6c tinh toan don gian, nh¢n biet tien m(lt, hoc each quan ly tai son, cOng d� tre truong Tuy chl la mot cau n6i duo cua tre con, nhung no c u ng khien nguai Ion chung ta phdi suy nghi Theo dieu tra, thieu nien thuang c6 nhling suy nghi khd "ngong cuong", "bong bor, cdc bon tre dem so sdnh bang viec b6 lai xe gi, c6 boo nhieu can nha, lam chlic vv gi, mlic tien luong duQc boo nhieu Coe ong bo khong boo g io doy minh each ddnh gi6 tien boc nhu vQ.y, nhung dieu khong c6 nghia la chung khong hi�u dUQC tdm quan cua tien boc Coe hoa nhop xa h¢i tot hon ong b6 se moc ke tre tv hinh nhling quan niem tien boc lech ra, d� tre hQc each nhqn biet tien boc tu nho, khang c6 gi la dang lo ngoi, cai quan trQng la phdi xem nguoi bo la Hdoo ducH, la "lanh mc;mh" Xem loc, hay se chu dong n6i cho tre biet, ham me tien boc the nao m6i op d1,mg phuong phap nao d� hu6ng don, boi duong tre xay dvng Nguoi bo, can phdi cho tre biet tie n boc c6 thf1 giup dot quan niem ve v¢t chat dung dan Tac gia Ro bert Kiyosa lcl aia cu6n duoc nhieu thu, nhung tien khong phdi la von nang Dong thoi, phdi "Cha giau, cha ngh eo H da tcing n61: "Niu b9n kh8ng d9Y minh c6ch s ii dvng ti4n b9c, sau se co nhiing nguai khac th ay "9n lam dilu d6 H Co nghia la bon muon d� cdc chu nQ, cdnh huong dan tre kiem tien thong qua nhling duong dung d6n; d� sat, hay la ccic cong ty hia dao giup bon giao dvc tien boc cho tre hi�u rang, tien chinh la khodn thu loo ma xa hoi trd cho con, sou bo slic loo d(mg vat vd lam nhOng cong viec nghiem rue, chan chinh, c6 ich, viec Hkiem tien" se tro nen cang thu vi va c6 y nghia minh, thi e la bQn se phdi tra gia cho Sl,1 thieu s6t ay Do voy, nguoi bo can coi trQng doy tre cac quan niem ve tien boc, khong phai la doy hay khong doy, ma phdi lam the nao d� tre nam bat dUQc the nao la tai chinh "lanh monh", "hieu qua" va "thvc te" lam �a L� la mot nguoi giau c6, mn tre trOng thay d�p va Cng Lam n6i rang, ong khong SQ don coi di den cdc cva cap tien tieu v¢t, moi mot Ian duo tien se cung tre ban boc dua sv doi mua, 6y ong loi n6i: Con muon mua cung dl.JQc, nhLmg hoy thong nh at mu a bang tien cua , the la CQU be danh tlJ bO y djnh H o a Ky, phv huynh thuong tua n theo q u a n niem "Doy tre hoc tai chinh tu tien tieu v(lr, COi SO fien tieu VQf nhu cong CV gido dvc quan doy tre tieu tien the n a o, Mt kiem Cha m� chi thong qua quan sat, dieu tra d� duo s6 thich hop ve khodn tien tieu vot cho tre, viec SU dvng chOng the nao? hoan toan tre tv quyet dinh Neu tre chi tieu khOng h9p ly don den sai l a m, cha me cung khOng de dang giOp tre gidi quyet, c6 nhu vQ.y, tre moi hi�u duoc hOu qua nghie m d o viec chi tieu bua bai gay ra, tu d hi�u duoc trach nhiem cua ban than doi voi khod n chi tieu ca n hon £)� giup tre chucS n bj tot cha CUQC song dinh o My op dvng hinh thuc d� tuon g lai, m(>t SO gia tre chi trd m()t phdn sinh h oo t phi nha nhu tien dien thoo i, tien xe Sau tre hinh tha nh duoc thoi quen, cha me se mo cu6 n s6 theo doi chi tieu n6i cho tre biet cac khodn cdn tieu, d� giup tre hi�u ve e a ch n6m at toi chinh gia dinh � Ong lam la gid ng vien o gia tri viec chi tieu, bi et quy nhung thv mua bang chinh tie n cua minh : ong Lorn to r6t vua y, a n tam v a trao loi quyen q udn ly tien tieu v(lt cho trai h Khi tre len 5-6 tuOi, dd c6 th� doc ro va phan biet cdc loQi tien, b iet cac p hep tinh toan c()ng tru don gidn , hi�u dUQc truong i hoc , o n g c6 m6i voi tre, tie n mung tu6i chinh 16 kh o n ,,thu nh Qp" Ion nhat 174 75 * "Ky nang tai chlnh" can duqc bOi duan g tu nho • ·P· H· ·AN · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · ·• M9i nguai 44u bi6t r0 tdm quan ttYJng cua m11c tilu tdi chfnh, nhung rdt ff nguOI thyc hi'n 4uvc 4i4u 46, nguyln nh8n chinh n&m o ch8 kh6ng xac �P cac k6h"'f'Ch tdi chinh q1 thi D� tre h9c each l�p ke' ho�ch chi tieu Doi v6i tre, boi duang y th Uc: tiet kiem tu nho vua la mot viec rat tot, VlrO la mQt ky nang song, n6 doi hoi Sl,1 phoi hop On y B6t buoc moi nguoi phdi tht.rc hien mQt ke hooch tai chinh IOu dai, phu hop voi tinh hin h bdn tha n; chi co each len ke hooch hop ly, moi co th� bien ly tuong tha n h hanh dong N hung, p hia sau ke gi Oo phv huynh va nha truong nu6c Bl, cac truong tu ti�u hoc dd hooch lau d a i d6, phdi dua cdc ke hooch chi tieu hop ly CUQC song hang la dieu rat quan cong viec cua nguoi nien, the nao la tien cong lao dong, lam the nao d� pha n biet hang h6a v a gi6 cd Dong thoi huong don B6t k� la tre tv di mua s6m, hay cha m� don di cung, ddu tien can phdi s6p xep ke hoc;ich chi tieu tV o nha Dua eek ke hooch bat dau tri� n khai doy cac man hoc chuyen nganh, dc;iy tre hi�u cdc ch o tre hi�u moi quan he gilia nguoi tieu dung voi qudng coo tren phuong tien truyen thong dQi chung, hi�u duqc sv dnh huong cua eek mau quang cao doi v6i nguoi tieu dung Ngoai ra, truong hoc thuong xuyen c6 cac buOi n6i chuyen v6i bon tre: khong phdi cu¢c song cua cung gi6ng nhau, c6 ng uai giau, nguai ngheo nguo i du , an du m(Jc VO ca nhling nguoi an khong no, m(Jc khOng am, dieu d6 ca nh bao chun g ta phai biet tich IOy, Mt kiem Neu h u n i giao dvc nha truong chl la tren ly thuyet, th1 anh o g cua cha me loi co tac dvn g th ay d6i mot each rat tv n 1en d61 - tr Cach lam cua cdc b(,lc phl,J huynh o Bl tren phuong _ vo cung can z tho n Truoc du�n tieu Mn , ho luo n ta P ke"' · h ooc h ch '' t'" h::U va n6i ch o tre biet tie u vao viac g·1, t'A "' h::u n h u th:( t:: nao C ung nhu VQy, cha tre tien tieu V(Jt cha ' mo., se- de" ng h I' trt::� A ue.l p tre mot pha n, ro1 g1u IC)p mvc tieu chi tieu c6 ke hoQ ch D u6i Sl,1 h u6 ng don cua cac ong b6, rat nhi eu tre c th� hi�u dUQC, cu¢c s6ng can pha i c6 tinh toan ky- I uong u c na o cu ng p hcl'I dv tru mot khoan Mn phv d� de ph6ng rui ro • � � � �� V�I � � · • _ • I 176 • nghiem tac, moi c6 th� gidm toi da cdc khod n chi tieu phdt sinh khong hop ly, d� don s6 tien thua vao mot khodn cho nhling m v c tieu tiep theo, qudn l y tai chinh fh VC St/ don gidn nhu VQY d6 Khi xdc lop mvc tieu, se dinh ky hon thich hop, bon c6 th� chia mvc tieu cua mlnh mvc tieu ngan hon ho(lc mvc tieu dai hon, roi tling buoc, tling bu6c di theo hu6ng djnh, den cuoi cung nhat dinh se thvc hien duqc m v c tieu D�t kl' ho9ch chi tilu chinh Id m�t ph8n quan trr;mg ph8n m11c tilu ngdn hf:rn aia bt;ln Cha m� cua Hong Minh cho c(iu be tien tieu v(lt tti c(iu be bat ddu di hc;>c, c6 hk la muoi may nghin, c6 luc la may chvc nghln Ho ng Minh dung tie n tie u v¢t d� mua nhung gi m a minh thich, thay cai gi l a mua cai d6, chi tie u rat toy ti�n, Mu het Mn loi xin them cha m� C6 dieu la cha m� Hong Minh tV tru6c d�n chua boo g i o tu ch6i vi�c xin tien cua cOu be Ket qud ta khodn tien tieu vot cho Hong Minh cang nhieu, c(iu be cang tieu xai khong biet kiem che 77 PHAN * " Ky n i ng t�.i ��·.��·: ��� ���.c �i ���� �.�� �.��* · •· · · · · · · · · · · · · · · · · · · · · · cuoi nom, ca gia dinh don dep chudn bi don nom moi Luc la u g dQn � a n keo, gdm giuong, gia sach cua Hong Minh, me c()u be d� tre hi�u rang, c6i goi la "ke hooch chi tieu" khong phdi la cam tre mua do, ma la phan looi theo tdm quan cua tat cd nhling thv phat hien th6y mot dong choi, nao la sieu nhan, mot no, sung mu6n mua, roi cu theo tinh hinh thvc te, xem xet uu ti�n mua nhva, co ca mo hinh so nguoi ghe r n Nhin thay dong ch�i cai gi tru6c, c6i gi mua sou, mua theo trinh tv sap xep Ngoai ra, cu a chinh minh, Hong Minh tv nghi: May thu deu minh mua thong qua ke hooch chi tieu, tim nhling khodn khong cdn thiet dg sao? Sao minh chOn g thich cai nao v¢y? Chua day mot nOm, toan tran h bi tieu tien lung tung hoang phi gio co hoi hon cung khOng kip Trong /uc l�p ki h09ch chi tllu, c6 thi tuan theo vdi bu6c ldm sau d8y: bo tien tieu v(it cua minh chl d6 vao #dong roe# u? H ()ng Minh Luc cha me cou be moi nhon duoc rOng, tu xua den hQ chua tOng c6 b at ky yeu cau nao doi v6i viec chi tieu cua cai, din g khong biet r6 can tien d� mua nhling gi d6 tien tieu v¢t va tien lam them gdn nhu la nhOng khodn thu n h(ip co djnh Lan desu tien dung so tien d� mua nhling son phdm ma minh yeu thich, doi voi moi duo tre day nhu m()t trai nghiem rot thdn ky Chinh dieu than ky mang loi cam giac thoa man, lam tre khong ngOng mang tien di mua sdn phdm Do thieu kinh nghiem, nen tre rat kh6 tv kiem che ban than viec mua sa m, neu cha m e dung cac bien phap cuong quyet hay la boo Ive d� hon che sv chi tieu, se lam anh hvang den nQi tam va tam ly l anh monh cua tre Neu 16y viec tang hay gidm Mn tieu v¢t d� dot mvc dich cOng khOng pha i la each giao dvc hieu qua, qua n tron g hon la cha me hoy d1,1a nhlin g thl,IC te CUQC song han g ng ay, huong don tre each tiet kiem va chi tieu thon g h Tran h th01 t·1e- u t·1en "' h oang phi, d¢t ke hoo ch chi Mu thich hop , thvc hien qua n ch¢ t che la nhlin g die u vo cun g qua n trong, d6n g tho i cOn g la nhlin g bie n P P r6t c6 hieu qua VOO · _ 06i v6i tre, ke hoo ch chi tieu kh ong cdn ph ul.i · qua C h"I fld ·:t nho nh¢t, cOn don gidn , de hi�u va de th1,1c hien · Ouong n h 1en, cun g phd i _ 178 liet ke toan bQ khodn thu nh()p cua tre mot tudn, liet ke n h un g khodn cdn chi mot tudn, vi d v nhu mua dvng cv hc;>c top, trd tien an trua, tien xe buYf Liet ke toan bQ n hOng thu mua thoi gian gdn Trong danh sach n h un g thu cdn mua, tim xem cai nao la can thiet mua truoc, cai nao c6 th� mua sou Sau d6, loi cu vao khodn thu nh()p, xem xet cai nao c6 th� mua l(Jp tvc, cai nao tiet kii;!m tien d� mua Tinh toa n IQi mot l d n, sou trich khod n chi tieu cd n thiet tu phdn thu nh(ip lop tiet kiem, s6 IQi chinh la khodn q uy chi tieu c6 th� tv chi d u n g Ca n c u xem khodn quy duQc boo nhieu, hdy mua nhOng thu cdn thiet khd nang cua h truck, sou moi xet den nhung thv cdn m ua kha c cuoi cung la nhOng , thv chua th1,1c sv cdn thiet Ke h oQ ch chi tie u chl cd n don g id n nhu v(Jy, du s6 Mn hang tudn tre c6 duqc it, nh un g vdn cdn len ke h oQ ch chi tieu, it nhot n6 c6 th� giup tre biet each q ud n ly chi tieu tu n h o Ngoai ra, 79 • PHAN * 11Ky nang tai chlnh" can c1uqc bSi duang tu n ho ········· ·························· • ························ dinh , tre se ddn t hien th6y luc di· mua s6m theo thv tv tiet kiem, khong can thiet, tu d6 c6 th� li nguoi khong de y den chat luong vo 70% tre mua sdm deu d o cd m tinh Doy cung la mot nhung soi lam ma bon tre thuong xuyen m6c phdi, thay m6n mu6n mua, lop tuc phdi mua bong dUQc; ch6ng boo lou sou thay chan sdn phdm d6, roi h6i hon khOng suy tinh tru6c mua ngoai nhOng dieu n6i tren, cac ong b6 boi duong kY nang tieu dung cho tre, nen chu y doy tre each so sanh hang h6a va biet trd gia, co gang d9y tre mua duoc sdn phOm can thief v6i s6 Vi v¢y, tien bo la thap nhat � g1a ua son phdm Doc biet doi v6i cac mot hong th1,1c pham, 1001_ mot hang chi c6 mot thoi gian boo qudn nhat cf"nh c6 m -t l s6 sieu thj giom gia d� ban nhOn g son phdm cho nhan h n u tho re ma mua qua nhieu, an kh ong het lc;si bien tha nh h ang b"I o · nh hu6ng den SUc khoe, I m, VUO nh·� VUO chi tieU khong can thief Cho nen, cac Ong b6 mot m-,.t r P h doy tre biet each ton d1,mg co hQI g1am QIO CUo ng, mot khoc p hai biet p han tich cdc thong tin khuyen ma1, d� tran h bi roi vao ho ba Y cua , nhung chuong trin h ·khuyen moi gia" � : ' · - "* lc!a ch�n nhang �t hcing ··Ngon 86 - Re'' '* Qudng cdo chi dung di tharn khdo - - Cdnh gidc vdi chieu tro ''gidrn gicr· cua ccic nhci sdn xucit -t Phdi biet so scinh vcl trd gid scin pha rn - - � Norn ngo ai, trai ong Kha n g tr ng thay m¢t dOi gidy th� thao dLSQC bay b6n mot cua han dg tren p ho CQ u be rien tvc d o1 ' b6 phai mua cho minh nhun g khon uoc bo da p ling Sau dip Tet _ 84 • 185 Hay t�o _ CUQC song giau co cho tre Moi ngubi tren the gi6i van luon nguong mo John D Rockefelle r nguai don ong giau nhat the gioi, la nguoi dau tien c6 l tY la, cuoc doi cua ong tro mot cou cho cd the gi6i R6t may la, m 6y nom gem day, cu6n tv thuot day 1700 trang cua Rockefeller dUQc cOng bo da giup chung ta hi�u ro them ve nguai ong Hoa ra, ong vua dau mo m ot thoi la mot nguai kha gidn dj, tiet kiem va hoa nha Lam the nao d� cou thieu nien nha ngheo Rockefeller tro mot ong vua dau mo lay ICrng the gi6i? sv thay d6i ay khong c6 gi la bat ngo ed Trong 16 dieu nOi bot ve qudn ly tai chinh ma Ong viet, c6 m ot dieu la: "Hay ht}C stht}C hi khl cOn nhOH Rockefeller van luon gin giCr cuon so ghi chep tu ong moi muOi may tu6i, cOng bat dau tu chinh cuon so nho d6, ong viet t6t ca cac so cdn chi tieu CUOC song, du nhien du it cOng ghi ra, roi xem xet lc thvc ti vi ddu tu cti nang cao glO trf ta/ sdn Vi the, boi dv6ng cho tre nhling quan niem tai chinh dung don tu nho chinh la each too cho tre mot CUQC song giau c6 sau Trong tat cd nhting ky nong Ve tai chinh, xay dvng sv nhoy cdm doi voi cac so la doc biet quan trc;mg hon ed Q da u CUQC song xung quanh Chung ta CUng CO khdi niem ve SO hoc, chung ta phdi d� tre hoc dUQC each dieu khi� n chung, dieu lien quan den Sl,1 tich IUy tai sdn cua tre sou Hoc so hoc, nghien cliu so hoc, n6m b6t so hoc, se giup tre nhanh ch6ng tinh toan du9c gia tri thoi gian cua tilm boc, cung doy tre lam the nao d� tich IOy du9c nhieu cua cdi nhat Boi duong sv nhoy cam cua tre doi v6i cac so khOng chi la doy tre biet dem, biet cong tni nhan chia Cai goi la "tinh nh ... rdu ri Ong Lam hoi: "C6 chuy�n gi the, trai?" HB6 oi, het ti�n r6i!", c(iu be ng