Duab Ntuj Qub Qab

First topic message reminder :

Nyob zoo cov phooj ywg sawv daws. Kwv nraug Cuam, koj cov duab nyuj sib nraug nov ma zoo kawg nkau li os. Kuv tsi nco saib lawm zoo li daim page nov raug muab lock lawm ces neeg thiaj li tuaj tsi tshua tau rau daim page nov lawm,  yog thaum lock lawm ces nej saib nws yeej pom qhov lock liab2 nyob nrog rau qhov (Add Reply) thaum nej pom li ntawd lawm ces nws yog (LOCK) lawm os, ces cov member ua lawv tsi muaj qhov admin ntawd ce lawv nyeem tau lawv lo tsi tau post tsi tau lawm xwb.  Kuv twb UNLOCK lawm os.

Teb chaw vam meej zus ces cov muaj muaj heev tuaj, cov txom nyem tau chaw tis, raug ua qhev. Cov nyob hauv nrog Vientiane, cov txom nyem txom nyem heev li nawb, ce kawg ua tub sab lawm xwb os. Muaj ib txia kuj pom mus khaw khib nyerb muag, mus ua zog hov riam ncig zos tej tiam sis lis ntawv lo yeej tsi txau siv lis.Pom ib cos ce pw tom hav khib nyerb xwb, xav pab los yeej pab tsi tau li os.

Toj Xeem, yeej yog lawm ntag ma, Hmoob tshai tuag heev li ne, yog Hmoob Ua li lawv ce Hmoob lub Tebchaws Mouang Mao rov tau li qub ma. Hmoob ruam dhau lawm Fabkis twb muab faib rau Hmoob lawm lo Hmoob tseem rov muab pauv 6 tus niag nom caub kheem xwb ce lub Mouang Mao rov mus rau Lao Vientiane tag lawm.

Hmoob tus cob moos maoi ntawd mas yog 1 tug cob moos rau hauv lub xeev xiangkhuang xwb los xyov yog li cas tiag.Kuv nug cov laus mas tus ua tus cob moos yog phas nyas tub npis kav tag nrho tsoom hmoob rau hauv lub teb chaw nplog ntag no.Hmoob ces yuav nyob lub xeev twg los zwm tag rau cob moos maoi huv si no nawb.ces nplog rub phas nyas tub npis mus ua nas nyauv kab xuang nyub tib thas lawm ces thiaj muab pauv 5 tug cob moos rau Hmoob ua no mas xyov tseeb yog li cas xyov fab kis puas tau tu kiag 1 ntsuj av tias txij li no rau li no yog cob moos maoi tug no thiab.

Toj Xeem, Raws li GVP lawv piav e kuv hnov, lub Mouang Mao yog lub Stalet lawm os, e muaj tus Hmoob ua Cuab Hmoo, ntag ma, lub tebchaws Moos Mao ntawd ma dav puag pem Sum neu lo mus rau Luang Prabang lo mus nawb, Hmoob muaj Power heev li os.

Toj Xeem,

Kuv tsi paub thiab tej zaum yuav yog Pha Nya Toube LyFong lawm tiag,  tos nws hai tias Hmoob tseem ruam heev tsi muaj leej twg txawj je ce yuav tuav tsi tau Hmoob lub tebchaws Mouang Mao ce cia rov qab rau blog no.  Lub ntuj thiab dab teb dab chaws yeej tsi pub rau Hmoob tiag tiag vim Hmoob sawm ua luag qhev xwb.

Toj Xeem, yeej yog li koj hai ma, txawm hai tias yog Pha Nya tsi txhob ua li ntawd ce ce Hmoob yeej coj tau kawg, mam li kawm tus cai tom qab twb tsi lig. Qhov lawv muab lub Mouang Mao pauv 5 tug caub Moos xwb lo vim Hmoob mus yaim Blog pob tws lawm e tig rov lo ua tsi zoo rau Hmoob ma e Hmoob thiaj li poob lo zoo li nov lawm.

Toj Xeem,

Peb ce twb tsi paub txog li ce kuv twb tsi niam tig pob ntseg mloog, vim tej ka moos nov yog ka moos tua tib neeg thoob ntuj xwb ce kuv twb tsi niam raug nyhav li os.

Yog lawm os TojXeem

Kuv li ma txog Valentine's day lo kuv twb tsi niam yuav dab tsi rau poj niam, yav tag ma kuv kuj yuav blaib (ring) rau poj niam thiab tab si kuv tsua ua ib zaug xwb dua li ce kuv twb tsi niam thab li lawm. Txawm Christmas lo kuv twb tsi niam muas dab tsi rau nws li thiab.

Vim hai tias, tej ntawd nws tsi yog peb cov lau nov culture, nws yog tej menyuam kev ntseeg kev zoo siab xwb ce lawv ua rau lawv thiab lawv ho ua rau yus ob niag lau nov xwb lo u kuj tsi hai dab tsi li thiab.

Yog lawm ma Tojxeem

Tej menyuam ma lawv yeej nyiam li lawv cov siab ntsws ua lawv tuaj lo rau lub tebchaws nov ce lawv mus raws li luag ho U cov niag lau nov ce tseem pheej coj li yus tej niag qub culture ua coj tim ub tuaj thiab.

Yog ib qho zoo mad Tojxeem, Koj nrog koj zoo siab mad nawb.

Yog kawg, cov hlua ma lawv yeej nyiam ua Christmas, birthday and valentine's day thiab ho kuv ce twb tsi ua ib zaug li.

Kuv los twb tsi ua birthday, Valentiane....ab tsi lis thiab os. Vim yog ua ce pheej yuav ua kam ua tas lis ce laj laj ua.

.

Zoo mad Tojxeem, vim me nyuam mus kawm ntawv ce lawv pom lawv lawv tej phooj ywg ua ce lawv xav ua thiab.

Thiab yog yus twb ua ua rau me nyuam lawm ce yuav tau ua, vim tsi ua ce me nyuam  ho tsi kaj siab thiab, to to thiab.

Ua tau yog ib qho zoo mad.

Kuv tus kheej lo twb tsi niam ua  birthday rau kuv niag poj niam li thiab,  ho kuv niag poj niam lo twb tsi ua rau kuv thiab, tsua yog cov niag menyuam ua rau ob niag lau nkau xwb, vim peb nkee2  phov  lintawd na.

Hahaha yog kawg.

Tej menyuam ma lawv nyiam ua kawg nkau li os. Luag ma nco ntshoov lawv lub birthday xwb tiag, ho kuv ce twb tsi paub xyov kuv lub birthday xyov yog hnub twg lios.

Toj Xeem, yog li koj hai kawg os, kuv lo ib yam nkau yog kuv tsi ua lo cov menyuam yeej ua rau yus thiab ua rau tej yau huv tib si thiab.

Yog lawm os, tej menyuam ce lawv xyaum lo tom tsev kawm ntawv ce lawv yuav ua raws li tsev kawm ntawv cob qhia rau lawv. Ho yus cov niag lau nov ce  txawm lawv ua lo ho lam hai tias thank you  no tab si twb tsi muaj ib yam ua rau kuv zoosiab li thiab.

 
 
 
 
 
 
 
 

What HR 1314 Means For Your Retirement

By MONEY MORNING STAFF REPORTS - 01/10/16
Congress has hidden, in a seemingly innocent piece of legislation labeled H.R. 1314, a radical reform that threatens the financial security of as many as 21.3 million Americans.
This legislation has already passed the House of Representatives and Senate with overwhelming majorities, and President Obama has signed it into law.
It goes into effect on May 1, 2016.
After that date American seniors stand to miss out on $11.4 billion in Social Security benefits.
According to Dr. Laurence Kotlikoff, a former Senior Economist with the Council of Economic Advisers to Ronald Reagan, some individuals stand miss out on an estimated $50,000 in Social Security benefits.
And most of these Americans will be completely blindsided by what’s coming, because instead of holding a public debate, Congress stuck these changes into an emergency bill.
Fortunately, for the as 21.3 million eligible seniors there is still time to lock in these benefits before the May 1st, deadline.
That means if you are retired, or are about to retire, you still have the opportunity to lock-in thousands of dollars’ worth of lifetime benefits before they disappear forever.
But, your time is quickly running out to step forward and claim what is rightfully yours.
That’s why It’s critically important you determine whether you will be one of the countless Americans who are in danger of experiencing the devastating reform, and take steps now to protect yourself.
Editor’s Note: You can get a full break down of Congress’ “banned benefits” and how you can protect yourself from the changes by clicking here

A Money Morning Exclusive
For Release: January 10, 2016
 
If you are currently enrolled in Social Security, or are about to become eligible, please pay close attention to the following message.
By May 1, 2016, Congress will officially end a series of Social Security's most lucrative benefits.
This will cause an estimated $11.41 billion to effectively disappear.
It is a historic amount of money.
Currently, as many as 21.3 million Americans could be eligible for large payouts from these benefits.
And if you are one of them, your time is quickly running out to step forward and claim what is rightfully yours.
Here's what you need to know.
The banning of these benefits has been set in motion thanks to the Bipartisan Budget Act of 2015-2016.
In Section 831 of this legislation, it clearly states this reform was intended to prevent recipients from collecting more money from the Social Security Administration (SSA) than Congress intended.
With the Federal debt quickly approaching $19 trillion, not surprisingly, these dramatic changes were passed in both the House (266-167) and Senate (64-35) with overwhelming majorities.
And this past November President Obama signed the reform into law.
Congress and the White House Have Finally Found Something They Can Agree On.
This is obviously not an opinion that is shared by the American people themselves, though.
And you owe it to yourself to do whatever it takes to ensure you are not short-changed from the biggest reform to Social Security in nearly four decades.
Because, to be absolutely clear, a lot of people stand to lose a lot of money if they don't act now.
This New Law Mandates That the
Social Security Administration Ban:

• A provision that could allow you to collect a one-time, lump-sum check from Social Security for as much as $124,174.
  

• A "restricted application" that can boost your income by $63,648.
  

• A massive overhaul to Medicare payments and deductibles. Take the amount you were expecting to pay for Medicare. Now slash that number in HALF. That's how much you could be saving!
  

• (Continued below…)
  

Congress justified this aggressive reform by stating they were closing unintended loopholes.
And what will undoubtedly come as a shock to many Americans is just how big these loopholes are.
The examples listed above are just the tip of the iceberg.
Laurence Kotlikoff is a former member of President Reagan's Council of Economic Advisors, who is currently with the National Bureau of Economic Research.
He believes many Americans could be missing out on $50,000 from these little-known (and soon to be gone) Social Security benefits.
But for some, that could be a drastic underestimate.
Consider this:

• If you are single and over the age of 60, you could miss the chance to add $84,240 to your bank account over the next five years.
  

…and Not Even Know It?

• If you are married, another of these disappearing provisions allows you to call up your Social Security clerk, make a simple six-word request, and immediately raise your income by an extra $1,329 a month.
  

• If you are a parent or grandparent there is a 2-step filing method that could provide enough money to pay for your children, or grandkids, to get both a bachelor's and master's degree.
  
  There is $2.5 billion available, just in this program, for the taking.
  
  And we all know the cost of education has been going through the roof. You must find out if you are eligible!
  

• (Continued below…)
  

These Banned Social Security Benefits Will Disappear By
May 1, 2016.
This has understandably caused some backlash.
A PBS column has reported that with this legislation:
Forbes has written that this reform:
And Time questioned the manner in which everything was put together, noting:
The media's assessment of this situation may be spot on.
But it doesn't change the fact that this is happening.
These benefits are going to disappear very soon.
Fortunately, if you are already a Social Security recipient, or soon to be one, you can do something about this.
There is Good News.
If You Are Eligible and Claim These Banned Benefits NOW, You Will Be Grandfathered In.
You have paid into Social Security your entire working life.
12.4% of every single one of your paychecks is contributing to this safety net.
You have earned these benefits.
This money is available to you.
And if you do not step forward and claim it now, Congress and the SSA will make it impossible for you to do so in the coming months.
By Taking Just a Few Actions, You Can Ensure These Banned Benefits Will Never Be Shut Off From You.
But you must move fast.
Which is why I'm going to help you get every dollar you have coming your way.
I'm going to help you use Social Security to take back your retirement.
And we're going to start right now.
My name is Keith Fitz-Gerald.

I have spent more than 34 years in the markets as an analyst, consultant, and quantitative trader.
I cut my teeth at some of Wall Street's biggest firms, including Wilshire Associates, which oversees more than $8 trillion for over 600 institutional investors.
And today I'm the Chief Investment Strategist for Money Morning.
We are a large financial publisher located in Baltimore, MD.
And we are not associated with the Social Security Administration.
Our mission is simple.
Month after month, my team and I work tirelessly to provide our 10 million readers with the guidance and information they need to protect and grow their wealth.
We have identified Social Security as the greatest chance we have to dramatically improve the financial futures of people across the country.
The numbers here are impossible to ignore.
With each day that passes, an estimated 11,536 Americans become eligible to receive Social Security benefits.
And currently, three out of every four seniors rely entirely on this safety net for their monthly income.
Unfortunately, too many fail to take full advantage of Social Security.
But it's not their fault.
The Social Security Administration has 2,728 rules governing their benefits and thousands upon thousands of additional sub-rules outlined in their Program Operations Manual.
But even the SSA admits that the way they are worded:
That may be why a Boston College study determined that retirees pass up $10 billion every year in Social Security benefits they're entitled to.
However, the SSA has looked to rectify this by streamlining their disclosures.
So if you are willing to dedicate the time, you can dig through their complimentary publication and find details on each of Social Security's benefits (banned or otherwise).
You could also speak to one of their agents or hire a financial advisor to sort through everything.
But why should you have to jump through all of these hoops?
My team and I believe that it shouldn't be so difficult to get what you deserve from this safety net.
And this situation is only going to get worse.
Americans were already missing out on $10 billion a year. And now this new reform is putting $11.4 billion on the chopping block.
So it's perfectly natural if you are feeling outrage over this. Nobody likes the idea of getting the short end of the stick.
But, in reality, there is another side to this story.
Frankly, there is an enormous opportunity here.
When we dug into these banned benefits we uncovered a Social Security filing tactic that had a value of up to $177,000 for eligible recipients.
Think About What You Could Do With an Extra $177,000.
Could you pay off your mortgage?
Could you take your entire family on a once-in-a-lifetime trip across Europe?
Could you finally retire?
All of this could be right in front of you, courtesy of Social Security.
And that's just one of the exciting opportunities we discovered while investigating these banned benefits.
We Are in a Race Against Time.
May 1, 2016, is barreling towards us like an out-of-control locomotive.
There is nothing we can do to change this inevitability.
But we are going to help YOU.
We've compiled everything you need to know in order to secure your piece of this estimated $11.4 billion.
It's detailed in the special report:
You might just discover that you have $100,000 (or more) in benefits that are rightfully yours and waiting to be claimed.
For example, Banned Social Security Benefits reveals:

• The 6 Words You Will NOT Want to Forget
  (They Can Boost Your Monthly Social Security Checks By $1,329)
  
  By simply repeating this six-word phrase to a Social Security clerk, you could add an extra $1,329 to your checks each month.
   
  
  Use a Banned Benefit to bu.y Your Dream Car!
  
  Would you like a new convertible, SUV, or luxury sedan? You could use the extra cash you receive to make that happen!
  This newfound cash could be enough to cover a new car payment, plus the insurance, with enough left over for your gas.
  
  Or, you could just save it up for a rainy day.
  
  The choice is yours.
  
  Banned Social Security Benefits will provide you with the phone numbers to call and even a state-by-state list of office locations so you can quickly find the closest one to your home.
  

• The "Restricted Application" That Could Let You Cash in on a $63,648 Windfall
  
  Surprisingly, 21.3 million people could be eligible to collect up to an extra $63,648 in Social Security payments.
  
  But tens of millions miss out.
  
  All because they don't know about this "restricted application."
  
  Which is a shame, because $63,648 can go a long way.
  
  It's enough to pay for a luxury RV equipped with top amenities like a master bedroom, a full kitchen with granite countertops, and a spacious living room.
  
  You could take it across the country to visit the Grand Canyon, Mount Rushmore, and Key West.
  
  Or you could use this enormous windfall to help your kids or grandkids.
  
  It's up to you.
  
  Banned Social Security Benefits gives you all of the details on this simple "restricted application" and how to turn it into an incredible cash generator.
  

• An Amazing 6-Figure Lump-Sum Loophole!
  (If You Could Use an Extra $124,174 Right Now, Take a Look)
  
  You have to see this to believe it.
  
  There is a shocking provision buried deep in Social Security's rulebook that could allow you to receive a lump-sum check for up to $124,174 from the SSA.
  
  Are you looking to pay off your mortgage in one shot?
  
  Retire in Style While Enjoying Your Own Private Beach Getaway…
  
  …Thanks to Banned Social Security Benefits
  
  
  This could be your ticket.
  
  Have you always dreamed of owning a villa in the Bahamas where you can spend your winters?
  
  Or, maybe you are tired of the 9-to-5 grind and finally want to start your retirement.
  
  An immediate 6-figure boost to your net worth can make this a reality.
  
  And it's all possible thanks to one of the disappearing loopholes where Americans can obtain "larger benefits than Congress intended" (Sec. 831 of the Bipartisan Budget Act of 2015-2016).
  

• Single and Over 60? Don't Miss an Incredible Opportunity to Realize Your Dreams!
  
  Are you single or widowed, and over the age of 60?
  
  Enjoy Tee-Time at Augusta
  
  …Membership at one of America's most exclusive country clubs could be within your reach!
  And don't worry about the pricey dues either. Learn more in Banned Social Security Benefits.
  
  
  If so, you need to consider taking a few steps to become eligible for a unique Social Security provision.
  
  Because it could make you $84,240 richer.
  
  You could use this money to bu.y a brand new 26-foot saltwater fishing boat or a fully loaded Mercedes E-Class Sedan.
  
  Or, if you're an avid golfer, this small fortune could be used to join Bill Gates, Warren Buffett, and T. Boone Pickens as members of Augusta National Golf Club.
  
  And even if you are currently engaged (or in a long-term relationship), this is still something you won't want to miss.
  
  In fact, you could collect enough money to pay for a romantic cruise for two around the world.
  
  So let's not waste another moment!
  

• Attn: Parents and Grandparents!
  (Here's the Secret for Making the SSA Pay For Your Kid's Bachelor's + Master's + Medical Degree!)
  
  Since the 1970s, college tuition rates have risen 1,728%, far outpacing inflation.
  
  So if you are a parent or grandparent, then most likely the skyrocketing costs of education are keeping you up at night.
  
  Fortunately for some eligible recipients, Social Security may have a solution for this unacceptable predicament.
  
  In the report, you'll discover an exciting two-step process where you combine one of the banned benefits with another that isn't disappearing.
  
  Together, they could trigger a windfall that's big enough to pay for your children or grandkids to get their bachelor's and master's degrees…
  
  Use Social Security to Give Your Kids and Grandkids the
  Bright Future They Deserve… TODAY!
  
  Studies show a college education can mean an extra $1 million in career earnings and a master's degree can lead to an additional $1.4 million.
  
  
  With possibly enough left over to send them to medical school.
  
  Imagine being able to cover all of their education costs free and clear.
  
  Imagine them not being weighed down by the burden of student loans that take decades to pay off.
  
  You could give them an incredible head start on life.
  
  And here's another surprise.
  
  Your kids or grandchildren don't even have to be newborns or toddlers for you to take advantage of this opportunity.
  
  If they're 10-, 15-, 21-, 35-years-old, even older, and meet certain criteria, you could be eligible to receive some serious cash.
  
  Banned Social Security Benefits will show you how you could put all of this to work immediately.
  

• Divorced? You Could Make an Extra $15,948 a Year From Your Ex's Social Security!
  (Even BEFORE Your Former Spouse Starts Collecting)
  
  There is a single line on your last tax return that could reveal if you're eligible to claim as much as $15,948 a year from this tactic.
  
  And you don't have to feel guilty, because this won't negatively affect your ex's benefits.
  
  Frankly, you don't even have to let your former spouse know what you're up to.
  
  So you can keep a clear conscience while you use this money every year to treat yourself to a first-class trip to Las Vegas with your closest friends, a new motorcycle, or a collection of fine Italian suits.
  

• DOUBLE-DIP Your Way to Boosting Your LIFETIME Social Security Benefits By 64%
  
  Rumor has it that this powerful filing method is what aggravated Congress the most.
  
  And it was one of the MAJOR catalysts behind their upcoming reform.
  
  Here's why Capitol Hill is all stirred up.
  
  Travel the World, bu.y a Sailboat, or Give Up the 9-to-5 for Good…
  
  …What you discover in Banned Social Security Benefits could make it a reality!
  
  
  This clever tactic allows you and your spouse to double dip into the Social Security pot.
  
  It works if you are retired, or even if you are still collecting full salaries.
  
  Just make sure you claim it at the right time (which the report will show you how to do).
  
  It could result in your combined payouts rising an incredible 64%.
  
  And it only takes a matter of seconds to claim.
  
  Yet it could grow your income enormously for the rest of your life.
  
  You'll get the full scoop in Banned Social Security Benefits.
  

• Plus Much, Much More…
  (Including a 2-Step Filing Tactic For Married Couples
  That Could Be Worth $177,000!)
  

Now, to be clear, you will not be eligible for each of these soon-to-be-banned Social Security benefits, strategies, and tactics.
And claiming some will require more legwork than others.
Which is why we are taking all of the guesswork out the equation.
Locking in just one of the opportunities in this report could mean tens of thousands of extra dollars in your pocket.
If you are eligible for a few of them you may be able to grow your net worth by six figures (or more).
After all, there is $11.41 billion on the table here.
And by "grandfathering" yourself in, you can secure your piece of this money every single year.
Banned Social Security Benefits is Valued at $99 and We Want to Rush it to You for FREE!
All we ask is that you pay a modest shipping fee of $4.87.
That's it.

 
 
 

Toj Xeem tus nyuj nov ntshe maum nyuj yug nyuab heev li os Thiab tus menyuam nyuj nov ma  cov blog coj mus ua noj lawm pob, vim lawv hai tias noj li nov zoo tshuaj no ce lawv kawg coj mus tseev noj lawm.

Bro Tojxeem qhov post saum #584 kuv saib tsis pom dab tsi li ne? hehehe

Tej zaum yog forum muaj teeb meem me ntsis lawm xwb ne hehehe

Mloog cov neeg nov seb yog hai dab tsi?