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Jan-April:

In the first 4 months from January to April 2017, the number decreased (V1) by 0.2%, showing (V2) a reduction / decline of government bonds (mđề quan hệ rút gọn) (reduced relative clause)

mitigate stress: giảm stress --> nhg ko dùng với số liệu

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From January to April 2017, the yield on Vietnam's government bonds gradually declined from around 5.8% to nearly 5.4%, showing a continuous and clear downward trend during this period.

From April to July 2017, the government bond yield kept falling sharply, dropping from about 5.4% to its lowest point near 5%, showing a clear downward trend.

From June to October 2017, the bond yield rose slightly, fluctuating around 5.2% to 5.4%, showing a temporary recovery during this period.

From October 2017 to January 2018, the bond yield dropped sharply from about 5.4% to nearly 5%, showing a clear downward trend at the end of the period.

From January 2017 to January 2018, the bond yield decreased overall, from about 5.8% to nearly 5%, with some small changes in the middle of the year. The main trend was downward.

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April - July: The figure remained relatively stable around April 2017 before experiencing a slight decline. In May 2017, it started to drop more noticeably. By June 2017, the decline became steeper, leading to a sharp fall in early July 2017.

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The decrease from April to July is very large, up and down

--> There was a decreaase from April to July.

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Thu Phương, Mai Anh, Quế Lan, Thái Dương, Tuấn 

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Thu Phương, Mai Anh, Quế Lan, Thái Dương, Tuấn 

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In the three months from January to April, the figure dropped sharply by 6.4%.

The index hit bottom of 5 points in december 2017 but it sharply rose since then.

As summer arrived, the downward movement became more pronounced, with the yield noticeably reducing / declining / going down (giảm) to around 5.2.

Around July 2017, the yield dropped sharply, reaching a significant low before recovering briefly in the following months.

The chart hit a peak in January 2017 and reached the lowest point in January 2018

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Between July and October 2017 (trạng từ chỉ tgian), the figure / the value / the price showed a slight recovery and then a further decrease.

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From July 2017 to October 2017, the bond experienced sharp fluctuations. It first dropped significantly, then rebounded briefly before stabilizing at a lower level. From October 2017 to January 2018, the bond yield gradually declined, reaching its lowest point. However, it slightly rebounded at the beginning of 2018.

--> Bổ sung số liệu (tăng từ bn tới bn) (giảm từ bn tới bn)

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the figure decreased slightly from 6.1 to 5.8 , signaling the start a downward trend

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Overall Downward Trend:

The bond yield experienced a steady decline throughout the year.

Around July 2017, there was a short-term increase in the bond yield before it continued its downward trend.

From October 2017 onwards, the bond yield declined significantly, reaching its lowest point in early 2018 at approximately 4.8%.

At the beginning of 2017, the bond yield was above 6%, but by January 2018, it had dropped to around 4.8%.

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Looking at the chart, period 2014 - 2015, we can see a slight increase but immediately decrease later.

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1.The figure rose slightly to 470 before fluctuating around this point between 2013 and 2014

2. Since 2017, the chart has been trending strongly upward. --> the figure showed an upward trend. / a strong upward trend.

3. 2016-2017 The number / The value showed a steady increase, without major fluctuations.

4. From 2014 to 2015, the number showed a fluctuating trend with a slight overall increase.

5. 2015-2016 values did ​​change but not significantly

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After reaching 550, the value continues its climb with more pronounced (adj) (rõ rệt, rõ ràng) increases from 2016-2018

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From 2015 to 2016, the chart shows a period of relative stability with some fluctuations. The value started at roughly 600 and ended around 650. There were no major upward or downward trends.

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There is no clear breakout, indicating a phase of consolidatio

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The figure slowly increased in 2013 and rose to around 500 in 2014 after some ups and downs.

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1.Period 2013 - 2014: The chart shows slight fluctuations, with some increases and decreases, but no significant changes. In 2014, the figure rose slightly to around 550 after some fluctuations.
2. Period 2015 - 2016: The trend remained relatively (tương đối) stable, though there were still some fluctuations. The value did not change significantly compared to 2014.
3. Period 2016 - 2017: The chart shows a gradual upward trend, indicating a steady increase in value. Although there were some minor fluctuations, the overall movement was positive.
4. Period 2017 - 2018: A sharp rise is observed (seen: nhìn thấy, quan sát thấy), with the value reaching approximately 1000. This suggests significant growth during this period, marking the highest point on the chart.

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1.     The figure shows that in 2013, the price peaked at near 1050.00, but began to decline in 2014, signaling the start of a downward trend.

2.     The figure indicates that during 2015-2016, the price dropped sharply, reaching its lowest point around 450.00 by 2016.

3.     The figure reveals that in 2017, the price started to recover slightly after hitting the bottom in 2016.

4.     The figure demonstrates that by 2018, the price continued to rise, closing at around 1009.38 before marking a recovery phase.

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Period 2016-2017

Looking at the chart for the period 2016-2017, we can see a strong growth to reach a peak at 680

Period 2017-2018: In 2018, this figure increased sharply to 1009

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2013–2014: The index experienced some fluctuations in 2013 and early 2014 but showed a slight increase

2014–2016: Between 2014 and 2016, the index displayed a gradual upward trend with periodic (định kỳ) ups and downs

in 2017: the index showed a strong upward trend / trajectory, breaking the 1000-point mark by early 2018.

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·       Benefits

-         Bonds can add diversification to an investment portfolio.

-        Compared to stocks, bonds generally exhibit lower price volatility, making them less susceptible to dramatic swings in value.

·       Risks

-        When interest rates rise, the market value of existing bonds typically falls.

-        Some bonds may be difficult to sell quickly without reducing the price.

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Real estate 
benefits: investing in real estate is considered as a quite safe investment, it's like long term saving and has more profit. you can get the income earned from the sale of real estate.
risk: this is a big investment so It will still have a big risk, you can lose all the money. Alongside, It can be difficult to sell real estate and take a long time to get the money back.

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Real estate 
benefits: investing in real estate is considered as a quite safe investment, it's like long term saving and has more profit. you can get the income earned from the sale of real estate.
risk: this is a big investment so It will still have a big risk, you can lose all the money. Alongside, It can be difficult to sell real estate and take a long time to get the money back.

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Real estate 
benefits: investing in real estate is considered as a quite safe investment, it's like long term saving and has more profit. you can get the income earned from the sale of real estate.
risk: this is a big investment so It will still have a big risk, you can lose all the money. Alongside, It can be difficult to sell real estate and take a long time to get the money back.

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Apple iphone

Type of product: iPhone 16

Type of warranty and its period: Standard Apple Limited Warranty for 1 year

+ AppleCare+ extends coverage to 2 years.

Defects warranted: Manufacturing defects, hardware malfunctions, and battery issues under normal use.

Damages not covered: Accidental damage (unless AppleCare+ is purchased), water damage, cosmetic damage, and unauthorized repairs.

How to get the product warranted: Provide proof of purchase and visit an Apple Store or authorized service provider; can also start a warranty claim online.

What will happen if the warranty is lost or expires:

Repairs and services will be charged; no free support for defects. Optional out-of-warranty repair fees apply.

The north face backpack

Product type: The North Face backpack

Warranty type and period: Limited warranty, usually 1 year or as specified by the company

Defects warranted: Manufacturer defects such as stitching, zippers, or material issues
• Damages not covered:

+ Damage caused by misuse
+ Natural wear and tear
+ Accidental incidents
• How to get the product warranted:
+ Bring the product to the store or service center
+ Provide the receipt of purchase

What happens if the warranty is lost or expires:

+ Lost warranty: Repairs may incur charges
+ Expired warranty: Warranty no longer applies

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It is a mobile phone, called Iphone 16 Promax. It is produced by Apple Company.

The type of product is Electronic device.

It has limited warranty. The manufacturer offers 1 year  warranty for this product.

The warranty covers all manufacturing defects in materials and workmanships

Besides, the warranty doesn’t cover damages caused by errors made by accidents, misuse, abuse, water and lost or stolen.

In order to have your Iphone warranted, you need to keep original purchase receipt clean.

When you need a warranty, take the product to the Apple Care

In case it is lost or the warranty expires, you will have it repaired for a reasonable rate.