Nag hmo kuv hnov rooj sib tham txog Hmoob kev tshoob kos nyob saum
xovtoojcua. Ib tug niam tais hais tias:

Xav hais rau cov vauv tamsim no kom hlub cov niam tais thiab. Luag tu
luag tus ntxhais da quav qa zis xiam nyiaj lawm pe tsawg? Luag pab
luag tus ntxhais kawm txuj kawm ci tas nyiaj ntau lawm pe tsawg? Pom
xeeb suab tau luag ib tug ncej neeg yuav coj mus cheb qab plag qawj,
ntxuav qab yiag to es luag thov 1-2 nyuag txhiab tshaj lub txhooj xwb
los vauv cia li sau nra khiav. Tseem ntxias tus ntxhais khiav caum
lawm thiab mas ua rau cov niam tais npau taws dhau lawm.

Nej xav li cas txog tej no? Yog vim li cas niam tais thiaj li xav
thov 1-2 txhiab tshaj? Hmoob hais tias, peb tsa peb tub yim los nej
tsa nej ntxhais yim thiab no sav. Thov 1-2 txhiab tshaj ua dabtsi
mas? Tus ntawd yog koj tus ntxhais nas. Koj yeej tau poob nyiaj ntau
lawm es nws thiaj li loj los mas, tabsis luag tsis yog coj mus tua noj
nas. Nws mus ua nws lub neej lawm xwb nas, es koj tseem yuav kaus nws
thiaj li zoo siab thiab? Luag coj mus pub mov thiab ntim tsoo kom koj
tsis txhob poob nyiaj ntxiv lawm xwb nas.

vim hlub,

puas muaj tseeb maj? xov tooj cua moj them tso lov? (just kidding).

yog hais li tus niam tais ntawv mas, nws kuj yog cov XEEM TSHIAB lawm
tiag. saib seb nej xav tham dag los tham tiag xwb. xav tham tiag ces,
hais li koj hais kov yog lawm; niag pog ntawv yeej yog niam tais muag
ntxhais. xav tham dag ces, kom phwvnyawm tuaj qhia tswv yim rau koj hu
hlawv qab teb xwb. nyaj phwvnyawm yuav pab koj ras paus tau 2-3 zag
tas lauv tsim tsawv thiab. tej zaum yog koj ntaus tswv yim nrog
phwvwnyawm mas koj tseem ho tau niag niam tais ntawv 2 leeg ntxhais
tib txhij los ua koj quas puj ov (tsuas yog koj txhob cia yaweh mus ua
kav xwm naj).

ab, laj laj nyob li lam tham ntxiv. cov niam tais muag ntxhais no kuv
txiv lawv yeej tau ntsib ntau ntau zaug los lawm. muaj ob zaug es kuv
cov nus (cousins) mus yuav poj niam es niam tais pheej ntshaw ntshaw
nyiaj li no. kuv txiv mas tsis ua mej koob (nws tsis kawm zaj tshoob),
tiam si, yog rooj tshoob twg daig no, cov kwv tij kuj tuaj hu kuv txiv
mus daws.

zaum ib: niam tais yuav yuav $12,000. twb hais haum $10,000 tag. tiam
si, niam tais tsa hlo suab quaj, "wv wv wv, kuv tus ntxhais no es tiav
npav-sas-lawj (bachelor) nab." ces kuv txiv cia li ntaus tswv yim kom
hais li no. "peb muab $12,000 txhiaj rau koj nawb. hais rau hauv nov
mas yog $12,000 tiag ov. tiam si, tus vauv thiab tus ntxhais no, twb
sib yauv tau 2 lub hlis lawm. nkawv los tsis muaj nyiaj, tseem txais
niam thiab txiv tom tsev $2,000 los siv thiab. yog li ntawv, thov koj
ua niam es pab hlub thiab, es muab $2,000 rau tus vauv thiab tus
ntxhais coj los them rov qab rau niam thiab txiv tom tsev." hais li no
tag ces, peb tau credit them $12,000, tiam si, peb them $10,000 xwb.

zaum ob: niam tais yuav yuav $9,000. thaum ntawv ces hmoob pheej hais
hais kom ua li Hmong 18 Xeem tso cai txog nqe poj niam $7,000 xwb.
hais hais ces rooj tshoob txawm daig pov. cov kwv tij rov qab hu...

Vimhlub,

Thov nug koj tias koj puas tau muaj tub yuav nyab thiab muaj ntxhais
qua? Nyob ntawm kuv tus kheej kev qua ntxhais tsi yuav qua kom
npluanuj... tabsis muaj kab ke yuav tsum tau ua raws... Cia kuv raise
ib qho question example li no rau nej coj mus xav:

1. Kuv muaj ib tug ntxhais kawm tiav medical doctor ua haujlwm ib xyoo
twg tau yog 1 million dollars rov saum. Kuv loan nyiaj rau nws kawm
ntawv tas yog $200,000. dollars.

2. Thaum tus ntxhais yuav txiv tog tub nyom tsi kam them nqi tshoob
yog $6,000 dollars thiab nqi noj haus yog $3,000.00 dollars vim muaj
phoojywg coob yuav tau ua lub tshoob loj.

3. Yog li kuv muab tus ntxhais pub dawb rau tus tub thiab tseem tuam
vaj tse khoom pob phij tas yog li ntawm $600,000 dollars.

Yog li nej sim nrog kuv xav saib qhov tog tub nyom tsi kam them nqi
tshoob $6,000. thiab $3,000.00 nqi noj haus ntawd puas tsim nyog?

Hais txog Hmoob tshoob kos mas tos pheej muaj plaub ntug tas mus li
los yeeb vim HMoob yeej tsi muaj ib txojcai kab ke rau Hmoob taug...
Li no peb thiaj hu tias Hmoob cai ces yog dev thiab npua cai.

zhen,

Ua cas nej yuav yuav cov nyab kim ua luaj li nas? Tamsim no peb ua
ntau rooj lawm, lawv sau $5800 nrog noj haus tibsi as. Yog cov tsis
yuav lub txhooj ces heev kawg yog $7k xwb. Yog leejtwg yuav peb cov
muam/ntxhais ces $5000 xwb ntag nawb. Tabsis nco ntsoov tias tom qab
nej yuav peb tag lawm, peb tuaj yuav nej los tsuas $5000 thiab xwb
ov. Peb tsis yog muag ntxhais nes. Peb tsuas yog ua tshoob kom tej
me nyuam muaj neej ua xwb.

vim hlub aws!!!!!

nej cov ntxhais $5,000. peb ib co los yeej yog ze ze $5,000 thiab (kuv
cov niam laus niam hluas ces ze $6,000--$7,000 dua).

tiam si, tej co mas yog $9,000 rov sauv nawb. cov no yog tiav npav-sas-
lawj, tiav mav-xas-tawj, tiav nrov-tawj, tiav lov-yawj, tiav kho hnia,
tiav kho pob txha, tiav qhia ntawv, etc... tsis lam yog dag nawb.
nyob tag nrho lub niag lav california no ces, yeej muaj ntsis nce nqe
yog tus ntxhais tiav lawj, tiav tawj, tiav yawj ov.

tiam si, txhob khib kiag li os. kuv txiv niag niam yau es tseem kim
tshaj. niag tiav cav ncauj xwb los kuv txiv tseem poob tsheej txhiab
txhiab nyiaj mekas.

peb tag nrho ham tsis ua tshoob ua kos kom muaj neej ua xwb los mav.
tiam si, tej yam zoo li no, "tus nqe", tsis yog "science" nws yog
"art". koj txawj hais, ces koj dim. koj tsis txawj hais, ces koj mag.

tsis tag li ntawv, peb muaj ib tug ntxhais yuav txiv hmoob tsab. peb
sau ntau kawg ov. tsis zoo hais kom tseeb tseeb xwb ib pliag nej ho
xav yuam kev tias kuv khav theeb. tiam si, peb sau/nplua raws li kev
ua 4 ua ntug yav tag los pauj kev ncaj ncees.

zhen,

Kev nplua nyob hauv kev tshoob kev kos mas kuv hos tsis hais vim nws
yeej muaj nws kab ke thiab vim tsuas yog xav kom tau neej tau tsav
tiag tiag thiab ua kom yus tus neeg ntawd lub neej ruaj kho xwb (at
least that's how it is believed). Tabsis qhov uas sau nqi tshoob kom
niag vauv pluag kiag los yog kom niamtais yawm txiv muaj kiag no mas
yuam kev lawm.

Tej ua li ntawd, muab xav kom tshab tshab ces yog yus rov qab nrhiav
kev pluag rau yus tej ntxhais vauv xwb. Txawm luag them taus los
txhais tau tias yus yog ib tug neeg pluag kawg nkaus es yus cia li
yeem kaus yus tus me tub me nyuam yam li muab nws muag kiag rau kev
tuag.

vim hlub,

zoo li koj xav hais qhov tseeb xwb ces tsis txhob tos tos phwvnyawm
ntxiv lawm. koj kav tsij hu rau xov tooj cua hais koj cov lus no rau
lawv mloog xwb tau lawm. koj hais los yog point kawg kiag li lawm.
tiam si, koj muaj ntsis hloov lus nav. vim tias tus niam tais ntawv
hais $2,000 tshaj xwb. $2,000 yeej yog $2,000 tiag tiag, tiam si, nyob
rooj teb amekas no es tshaj $2,000 xwb tus vauv tus ntxhais (los niam
txiv sab tom) cia li pluag kiag li lawm mas, koj muab hais haib dhau
hwv lawm. tej zaum $2,000 mas yeej tub qaug niam txiv tom tsev, tej
zaum niam txiv tom tsev yeej tsis muaj yuav tau mus txais, tej zaum
nws yeej yog li niag niam tais ntawv hais tiag tiag thiab ne, tej zaum
$2,000 tshaj xwb me me piv qhov yav tom ntej.

tsis ua li cas li mas, yog koj ntsib cov niam tias zoo li no ces siv
me me tswv yim rau xwb koj thiaj li yuav hla dhau. tiam si koj tsis
txhob lam cia li hais tsis zais lus li peb sib tham hauv no es muab
nws tshev ov. ib pliag mas koj mag nplua thiab nawb. koj cia li siv
nws lub tswv yim tua nws ces tuam mej koob yeej tsis yig rho qaib
nplaig ib sim neej li os mog.

Moobntsuab,

Kuv le kuv yeej tsws tau muaj tub muab nyab muaj ntxhais qua tabsis
kuv xav hais txog qhov tseeb ntawm Hmoob tshoob kos. Yog vim li cas
thiaj li ua tshoob? Puas yog ua raws li txoj cai kom tej tub/ntxhais
muaj lub neej ua los yog yeej tshuav niam/txiv qi tiag tiag es yuav
tau them raws li niam/txiv xav tau?

Teb koj cov lus:

$200,000 ntawd yog koj txawj xav, koj yuav tau pab nws raws li ntawd
koj txoj kev hlub hais tias nws yog koj tus me nyuam. Yog koj ho tsis
txawm peev, cia rau tus txhais tus vauv mam li maj mam them mus...

Vimhlub,

Ua cas nej pheej yuav nrog niam tais sib cav dab tsi maj..... luag yug
mob luag plab nad......nws yuav-v pes tsawg los nrov nrawv
rau........tab sis kom nej tus tub nrog nws poj niam (tus ntxhais)
tham...