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A non-profit charity helping "poor of the poor", disabiltiy, and orphanage children.

Kev Ua Lag Luam Nyob Niag Moos

Tus Sau: Snyu Yang, Moos Business Associate
Published November 6, 2002

Yim-cuaj fab tus txheej cai kev nrhiav noj nyob niag Moos. Tsheej puas vam rab cai. Kev sib tw muaj ua npoj niab. Heev tiag tiag mam tau zoo. Nquag thiab nkees yog txoj kev nplua nuj thiab pluag thaum nyob hauv Moos. Tham li tej tub lag luam pib hauv tsev khav mas kev khwv nyiaj txiag tau txog $2000 rau $3000 duas las hauv tej lub lim tiam twg. Thaum tau nyiaj nyob ntawm tes mam xam. Vim ntuj teb no kev khwv nyiaj tsheej
niaj xyoo sib puag cig twb tau tsis txog $15,16, vam nyuag puas. Faib rau tej niaj hli twg tau nyog li ntawm $1250 txog $1333 nyuag puas xwb. Ua ntej them se.

Lag Luam Paub Tab
Xws li cov lag luam kho mob, kho hniav, kho qhov muag, kws cam plaub ntug kws lij choj twb yog siv txuj tob heev ua. Thaum npaj thiab pib tau lawm twb tsis yooj yooj yim yov tau tau tej niag pob nyiaj sai sai. Nws muaj 8-9 txoj cai kav thiab khoo. Leej twg ua los twb tsuas txaus noj txaus siv thawm lub niaj xyoo xwb. Ua ua ntev loo qee cuab kuj nplua nuj. Ib feem kuj ntog kus tseg. Teev ua dab neeg mas muaj pawg lug lawm. Npaum no twb yog ua luam poos txuj ci tob. Lwm tej fab kev pab xws li muag paj kas phais (Insurance), muag vaj tse (real-estate), txua txhab qiv nyiaj, (mortgage, Investment, or Retirement Plan). Cov no pom tub lag
luam Asian thiab Hmoob twb pib ua npoj ntws. Hom no yog American ib pawg kev nrhiav noj yooj yim. Tsis tshua siv paj hlwb heev tau noj lawm. Tab sis kev sib tw kuj yog coob li coob. Leej twg txawj ntxias kuj nplua nuj lawm. Cov peev xwm tsawg tawm lag luam tas suav tsis txheeb. Khwv nrhiav nyiaj txiag fab twg tuaj los ntxhov paj hlwb thiab cov. Muaj ib txhia tub lag luam tawv, lawv kuj npaj tau ib co tsev muag khoom noj loj, txua
khoom siv, thiab teeb tsev ua tshuaj muag. Hom no, tus muaj peev kuj ntiav taus tej neeg nruab zog mus ua kam them nyiaj. Tseem fwv American kuj qhuas cov no heev thiab. Vim rooj teb no yog luag txoj kev ham noj ham haus. Qee lub xeev mas Tseem fwv tseem qiv nyiaj txiag rau cov tswv pib lag luam thiab tsis yuam lawv them se hnyav yog muaj cov
neeg txom nyem mus ua kam rau hauv lawv tej hauj lwm. Tej no kwv tij Hmoob los twb pib tshwm ntsuag qees tuaj lawm thiab. Tsis ntev tom ntej no sawv daws yuav tau zoo.

Lag Luam Ntxhov Hauv
Coob coob tus kwv tij hom nyiam ua cov lag luam ntxhov hauv. Cov no mas muaj xws li tej nyuag me nyuam khw muag khoom noj, tsev pab txhais lus, pab thauj neeg tsis paub lus mus kho mob los sis ntsib kws kho mob, chaw muag khoom ris tsho, chaw muag zaub mov siav noj, luam kas xev muag, chaw ua se, chaw txiav plaub hau, thiab me nyuam
chaw muag nyiaj muag kub. Hom lag luam no mas khwv neeg heev tab sis tsis muaj hnub yuav nplua nuj sai. Feem coob mas yog feem tawm khiav lag luam lawm xwb. Muaj qee leej txawj txawj ntxias kuj noj nyog nyob taus. Qhov ua rau sawv daws txom txom nyem mas yog nyias tau nyias ua nyias li lawm. Sawv daws cia li mus teeb sib twb rau tom tej
ntug kev. Tab tom mus ua rau luag tej tswv tsev uas xauj tsev tau zoo ua luam xwb. Pab tub lag luam no, pom ua ib qho pov thawj qhia rov rau nws haiv neeg sib cais thiab. Nyias mus muas khoom noj khoom siv rau nyias leej txheeb ze lawm. Muaj ib kuag sib khib.

Koom Haum Hmoob
Thaum American cov xeev txais neeg Asia thiab tej kwv tij Hmoob tuaj nyob txeem lawm. Pom los txog niaj hnub no cov Koom Haum kuj yog hais tias muaj suav twb tsis txheeb tag nrho. Wisconsin lub xeev mas pom muaj coob dua ntai lwm tej xeev. Minnesota li xeev tau thib 2 hos xeev California yog thib 3. Txawm hais tias cov koom haum no niam txuas tau nplawg ntia los sawv daws cov kev pab sib thooj xwb. Xws li Koom Haum Lao Family of Minnesota mas tau txais tseem fwv tej nyiaj txog 3.2 plhom
(million). Koom Haum Hmong American Partnership li twb yog 2.7 Kuj (million) lawm thiab. Niam twb yov muaj muaj ntau lawm tiag tab sis pom hluas neeg cov sib ntaus sib tua tuag ib sij hnov ib xo tuaj thiab. Tej nyuag me nyuam tub ntxhais hluas los sib tw xyaum ua npoj niab mus ua tub sab tub nyiag, mus ua laib ua neeg phem, mus haus yeeb haus tshuaj. Tom lub nroog Appleton mas pom ib co tub ntxhais hluas Hmoob tej paj hlwb ntxhov nphoov tseg rau txoj me kev liam txwv no. Nyob rau tim Nroog Nkuaj (County Jail) saw daws zaum pliaj liab vog. Koom Haum mas tham ua ntuj twb yov poob. Kho leej leej no, pab tsis laib hlo. Hnov
txog pem lub nroog St. Paul thiab Minneapolis mas cov hluas no tseem haj yam mag nyob nkuaj ntau xyoo. Cov koom haum tau tseem fwm tej nyiaj ntau ntau twb pab tsis yeej tag nrho. Nyob rau niag Moos kev nrhiav noj tsis hais ua lag luam xwb. Npaj koom haum los puav leej yog kev nrhiav noj lawm huv tib si.

Xyaum Siv Txuj Ci
America lub teb chaws yog ib lub pov haum tswv yim nrhiav noj siv paj hlwb, siv tswv yim, siv kev txawj ntse, thiab siv nyiaj txiag ntau heev los npaj. Kev yuav ua lag luam hom twg mas ua siab ntev teeb thiab dhos kom zoo zoo. Tau ua mas ua loj thiab ua tiag. Ua kom pluag kiag los puas nplua nuj ntag. Feem ntau tshaj mas ua kom muaj laj kam khiav.
99 feem puas los 99% American cov lag luam lawv siv tub txawj ntaw los teeb thiab dhos kev ua luam tiav lawv cov lag luam mam qhib. Thaum lawv qhib tau lawm yog vim li cas lawv pheej ho txais neeg mus ua hauj lwm rau hauv lawv tej tsev ua kam. Luag txoj kev nrhiav noj vim luag ntshaw leej ntawd lub tswv yim qhov me kev txawj ntse heev. Tsis tau
tag, luag tseem xav siv leej ntawd lub zog los khwv rau luag noj thiab. Tej no twb yog rooj teb no kev siv paj hlwb vim nyiaj txiag thiab zog neeg ntaus nqi sib nrawg. Thaum leej twg mus ua lawm nws tau txais nyiaj hnub nyiaj hli. Thaum no leej twg twb yog xav ua thiab. Kev nrhiav noj nyob rau niag Moos mas sawv daw yuav tau siv kom raws li rooj teb no kev nrhiav noj. Tej laus keev hais tseg tias “nyob luag ntuj yoog luag txuj.” Zaum no ces yog tiag tiag.

Cov tub lag luam tom ntej no mas yuav pom zuj zus txog txoj kev ua lag luam paub tab ntau dua. Txawm tus tswv khw tsis ntsib kev kawm siab los tsuav nws muaj peev xwm muaj nyiaj txiag. Thaum no nws kuj pib tau tej lag luam paub tab, luam loj thiab luam tiag. Txawm yog niag lag luam dab tsi los, cov lus As Mes Kas hauv qab no yog lub zog.

Start a Business With:
Business Plan
Financial Plan
Operation and management plan
Marketing and research development
Legal and professional advice

"Preparation is the key to become a successful business entrepreneur."

Muaj lus nug txog zaj lus sau no tham rau Snyu Yang ntawm. neeg@neeg.org Nws yuav pab teeb thiab dhos kev ua luam, pab txais nyiaj coj los pib lag luam, thiab qhia kev tuav lag luam.

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© 2002, Neeg Magazine P.O.Box 4071 Appleton, WI 54914-4071 (920) 997-9319
All rights reserved. All parts of this service shall not be reproduced in any form without a written consent express to NEEG Magazine, except that an individual may download and/or print of articles for personal use such as reference, non-commercial purpose. Neeg values all writers with deserved knwoledge of their credibility. Thank You.


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		MBA is a small business development consulting, "specializing in Increased Services and Profitablity." KajNtug Chidlren's Fund, Inc. A non-profit charity helping "poor of the poor", disabiltiy, and orphanage children. Kev Ua Lag Luam Nyob Niag Moos Tus Sau: Snyu Yang, Moos Business Associate Published November 6, 2002 Yim-cuaj fab tus txheej cai kev nrhiav noj nyob niag Moos. Tsheej puas vam rab cai. Kev sib tw muaj ua npoj niab. Heev tiag tiag mam tau zoo. Nquag thiab nkees yog txoj kev nplua nuj thiab pluag thaum nyob hauv Moos. Tham li tej tub lag luam pib hauv tsev khav mas kev khwv nyiaj txiag tau txog $2000 rau $3000 duas las hauv tej lub lim tiam twg. Thaum tau nyiaj nyob ntawm tes mam xam. Vim ntuj teb no kev khwv nyiaj tsheej niaj xyoo sib puag cig twb tau tsis txog $15,16, vam nyuag puas. Faib rau tej niaj hli twg tau nyog li ntawm $1250 txog $1333 nyuag puas xwb. Ua ntej them se. Lag Luam Paub Tab Xws li cov lag luam kho mob, kho hniav, kho qhov muag, kws cam plaub ntug kws lij choj twb yog siv txuj tob heev ua. Thaum npaj thiab pib tau lawm twb tsis yooj yooj yim yov tau tau tej niag pob nyiaj sai sai. Nws muaj 8-9 txoj cai kav thiab khoo. Leej twg ua los twb tsuas txaus noj txaus siv thawm lub niaj xyoo xwb. Ua ua ntev loo qee cuab kuj nplua nuj. Ib feem kuj ntog kus tseg. Teev ua dab neeg mas muaj pawg lug lawm. Npaum no twb yog ua luam poos txuj ci tob. Lwm tej fab kev pab xws li muag paj kas phais (Insurance), muag vaj tse (real-estate), txua txhab qiv nyiaj, (mortgage, Investment, or Retirement Plan). Cov no pom tub lag luam Asian thiab Hmoob twb pib ua npoj ntws. Hom no yog American ib pawg kev nrhiav noj yooj yim. Tsis tshua siv paj hlwb heev tau noj lawm. Tab sis kev sib tw kuj yog coob li coob. Leej twg txawj ntxias kuj nplua nuj lawm. Cov peev xwm tsawg tawm lag luam tas suav tsis txheeb. Khwv nrhiav nyiaj txiag fab twg tuaj los ntxhov paj hlwb thiab cov. Muaj ib txhia tub lag luam tawv, lawv kuj npaj tau ib co tsev muag khoom noj loj, txua khoom siv, thiab teeb tsev ua tshuaj muag. Hom no, tus muaj peev kuj ntiav taus tej neeg nruab zog mus ua kam them nyiaj. Tseem fwv American kuj qhuas cov no heev thiab. Vim rooj teb no yog luag txoj kev ham noj ham haus. Qee lub xeev mas Tseem fwv tseem qiv nyiaj txiag rau cov tswv pib lag luam thiab tsis yuam lawv them se hnyav yog muaj cov neeg txom nyem mus ua kam rau hauv lawv tej hauj lwm. Tej no kwv tij Hmoob los twb pib tshwm ntsuag qees tuaj lawm thiab. Tsis ntev tom ntej no sawv daws yuav tau zoo. Lag Luam Ntxhov Hauv Coob coob tus kwv tij hom nyiam ua cov lag luam ntxhov hauv. Cov no mas muaj xws li tej nyuag me nyuam khw muag khoom noj, tsev pab txhais lus, pab thauj neeg tsis paub lus mus kho mob los sis ntsib kws kho mob, chaw muag khoom ris tsho, chaw muag zaub mov siav noj, luam kas xev muag, chaw ua se, chaw txiav plaub hau, thiab me nyuam chaw muag nyiaj muag kub. Hom lag luam no mas khwv neeg heev tab sis tsis muaj hnub yuav nplua nuj sai. Feem coob mas yog feem tawm khiav lag luam lawm xwb. Muaj qee leej txawj txawj ntxias kuj noj nyog nyob taus. Qhov ua rau sawv daws txom txom nyem mas yog nyias tau nyias ua nyias li lawm. Sawv daws cia li mus teeb sib twb rau tom tej ntug kev. Tab tom mus ua rau luag tej tswv tsev uas xauj tsev tau zoo ua luam xwb. Pab tub lag luam no, pom ua ib qho pov thawj qhia rov rau nws haiv neeg sib cais thiab. Nyias mus muas khoom noj khoom siv rau nyias leej txheeb ze lawm. Muaj ib kuag sib khib. Koom Haum Hmoob Thaum American cov xeev txais neeg Asia thiab tej kwv tij Hmoob tuaj nyob txeem lawm. Pom los txog niaj hnub no cov Koom Haum kuj yog hais tias muaj suav twb tsis txheeb tag nrho. Wisconsin lub xeev mas pom muaj coob dua ntai lwm tej xeev. Minnesota li xeev tau thib 2 hos xeev California yog thib 3. Txawm hais tias cov koom haum no niam txuas tau nplawg ntia los sawv daws cov kev pab sib thooj xwb. Xws li Koom Haum Lao Family of Minnesota mas tau txais tseem fwv tej nyiaj txog 3.2 plhom (million). Koom Haum Hmong American Partnership li twb yog 2.7 Kuj (million) lawm thiab. Niam twb yov muaj muaj ntau lawm tiag tab sis pom hluas neeg cov sib ntaus sib tua tuag ib sij hnov ib xo tuaj thiab. Tej nyuag me nyuam tub ntxhais hluas los sib tw xyaum ua npoj niab mus ua tub sab tub nyiag, mus ua laib ua neeg phem, mus haus yeeb haus tshuaj. Tom lub nroog Appleton mas pom ib co tub ntxhais hluas Hmoob tej paj hlwb ntxhov nphoov tseg rau txoj me kev liam txwv no. Nyob rau tim Nroog Nkuaj (County Jail) saw daws zaum pliaj liab vog. Koom Haum mas tham ua ntuj twb yov poob. Kho leej leej no, pab tsis laib hlo. Hnov txog pem lub nroog St. Paul thiab Minneapolis mas cov hluas no tseem haj yam mag nyob nkuaj ntau xyoo. Cov koom haum tau tseem fwm tej nyiaj ntau ntau twb pab tsis yeej tag nrho. Nyob rau niag Moos kev nrhiav noj tsis hais ua lag luam xwb. Npaj koom haum los puav leej yog kev nrhiav noj lawm huv tib si. Xyaum Siv Txuj Ci America lub teb chaws yog ib lub pov haum tswv yim nrhiav noj siv paj hlwb, siv tswv yim, siv kev txawj ntse, thiab siv nyiaj txiag ntau heev los npaj. Kev yuav ua lag luam hom twg mas ua siab ntev teeb thiab dhos kom zoo zoo. Tau ua mas ua loj thiab ua tiag. Ua kom pluag kiag los puas nplua nuj ntag. Feem ntau tshaj mas ua kom muaj laj kam khiav. 99 feem puas los 99% American cov lag luam lawv siv tub txawj ntaw los teeb thiab dhos kev ua luam tiav lawv cov lag luam mam qhib. Thaum lawv qhib tau lawm yog vim li cas lawv pheej ho txais neeg mus ua hauj lwm rau hauv lawv tej tsev ua kam. Luag txoj kev nrhiav noj vim luag ntshaw leej ntawd lub tswv yim qhov me kev txawj ntse heev. Tsis tau tag, luag tseem xav siv leej ntawd lub zog los khwv rau luag noj thiab. Tej no twb yog rooj teb no kev siv paj hlwb vim nyiaj txiag thiab zog neeg ntaus nqi sib nrawg. Thaum leej twg mus ua lawm nws tau txais nyiaj hnub nyiaj hli. Thaum no leej twg twb yog xav ua thiab. Kev nrhiav noj nyob rau niag Moos mas sawv daw yuav tau siv kom raws li rooj teb no kev nrhiav noj. Tej laus keev hais tseg tias “nyob luag ntuj yoog luag txuj.” Zaum no ces yog tiag tiag. Cov tub lag luam tom ntej no mas yuav pom zuj zus txog txoj kev ua lag luam paub tab ntau dua. Txawm tus tswv khw tsis ntsib kev kawm siab los tsuav nws muaj peev xwm muaj nyiaj txiag. Thaum no nws kuj pib tau tej lag luam paub tab, luam loj thiab luam tiag. Txawm yog niag lag luam dab tsi los, cov lus As Mes Kas hauv qab no yog lub zog. Start a Business With: Business Plan Financial Plan Operation and management plan Marketing and research development Legal and professional advice "Preparation is the key to become a successful business entrepreneur." Muaj lus nug txog zaj lus sau no tham rau Snyu Yang ntawm. neeg@neeg.org Nws yuav pab teeb thiab dhos kev ua luam, pab txais nyiaj coj los pib lag luam, thiab qhia kev tuav lag luam. Terms of Use \| Privacy Notice © 2002, Neeg Magazine P.O.Box 4071 Appleton, WI 54914-4071 (920) 997-9319 All rights reserved. All parts of this service shall not be reproduced in any form without a written consent express to NEEG Magazine, except that an individual may download and/or print of articles for personal use such as reference, non-commercial purpose. Neeg values all writers with deserved knwoledge of their credibility. Thank You.











Purpose The purpose of NEEG Magazine is to foresee and respond to the communities need for information about: People, Arts, Infomation, and News(PAIN). Promoting Hmong's Linguistic, Social structure, and Cultural values (Txuj Ci).