Ntchito Yogulitsa mu Ndalama Zachuma
Malinga ndi zachuma, zopuma pantchito, ndi maphunziro a ana, anthu akufuna kugwira ntchito ndi mlangizi wazakhalidwe osati munthu wogulitsa amene angapindulitsidwe pogulitsa malonda enieni, ndalama zamagulu kapena masitolo.
Pamene ndalama zikupita kummwera, zimakhala zophweka kwa mlangizi kuti athetse mitsempha ya wogulitsa ndalama kuposa wogulitsa malonda kuti akwaniritse ntchito yomweyo.
Zilizonse za maudindo, Wopereka Malangizi a zachuma aliyense amadziwa kuti ali ndi udindo womvetsetsa machitidwe a msika komanso momwe angagulitsire malonda ndi magalimoto oyendetsera makasitomala. Anthu omwe ali ndi chuma chambiri omwe savomereza kuti ndi ochita malonda, kawirikawiri amathera pa ntchito zowonongeka kapena ntchito zina.
Zikalata
Pofuna kugulitsa malonda a zachuma, Aphungu a zachuma ayenera kupatsidwa chilolezo. Zovomerezeka zomwe zimagwiritsidwa ntchito kawirikawiri ndi Mndandanda wa 6.7 ndi 63. Izi zothandizira zimapereka mlangizi kugulitsa mgwirizano, ndalama, ndalama, magalimoto ogulitsa ntchito komanso katundu aliyense. Alangizi ambiri amakhalanso ndi zolemba za inshuwalansi , monga moyo, ngozi, ndi thanzi.
Zolemba Zapamwamba
Monga zovuta monga mndandanda wa mayesero 6,7 ndi 63 omwe angakhalepo, nthawi zambiri amawawona kuti ali ndi zilembo zam'nyumba zogwirira ntchito mu Financial Services.
Kwa iwo omwe adzipanga kuti apambane motalika monga wokonzekera zachuma kapena mlangizi, kupitiliza kuphunzira ndi zovomerezeka ndizovomerezeka.
Aphungu ambiri a zachuma amalandira CFA yawo ndi zovomerezeka za CFP. CFA imayimira Certified Financial Analyst ndi CFP imaimira Ovomerezeka Financial Planner. Zonsezi zimapatsidwa mautumiki akuluakulu ndipo samapatsidwa ndalama mpaka zaka zingapo ku ntchito yamalonda.
Pambuyo pa zovomerezekazi, ena mwazofukufuku ndikupeza ChFC, kapena Chartered Financial Consultant. Malingana ndi katswiri wa zamalonda a zachuma Donna Rodgers:
Wothandizira za Financial Chartered ayenera kukhala ndi zaka zitatu zazomwe akugwira ntchito mu makampani azachuma. ChFC® imakonzekera akatswiri kuti azisamalira zosowa za anthu, mabanja ndi bizinesi yaying'ono. Malingana ndi American College, ChFCs imalandira 51 peresenti kuposa anzawo.
Phokoso la ndalama lokha likhoza kulimbikitsa ambiri kuti alandire chizindikiritso ichi ndi phindu lina la ulemu waukulu kuchokera kwa anzanu ndi makasitomala.
Mavuto ndi Mphoto
Pafupifupi aliyense Street Street ku America ali ndi ofesi imodzi yokha ya zachuma, yokhala ndi mlangizi mmodzi kapena gulu la alangizi, kufunafuna makasitomala atsopano ndikusunga makasitomala awo omwe alipo. Ambiri mabanki onse amapereka chithandizo cha ndalama monga mabungwe ambiri a inshuwalansi. Onjezerani mndandanda wa kupezeka kwa ndalama zomwe zimaperekedwa ndi makampani omwe amagwiritsa ntchito intaneti ndipo mwamsanga mudzazindikira kuti makampani a Financial Services ndi okwera kwambiri.
Chinthu chinanso chachikulu ndizolemba malamulo omwe boma liyenera kutsatira.
Kuphwanya malamulo ndi malayisensi anu amaimitsidwa kapena kuchotsedwa.
Kwa iwo omwe angakhoze kugonjetsa mpikisano, akudzipereka kuti apeze zovomerezeka zofunikira ndi zofuna, ndi omwe amachita bizinesi yawo yonse mwachilungamo, mphotho ndizozizwitsa. Otsogolera Otsata Zachuma akhoza kupeza madola mazana angapo pachaka, komanso zolimbikitsa, zogona, ndi mphotho ya mphoto .
Ntchitoyi ndi imodzi mwa zovuta kwambiri kuti zitheke, ndicho chifukwa chake ambiri amasuta pambuyo pa zaka zingapo chabe. Zopindulitsa zenizeni zimaperekedwa kwa iwo amene akhalabe pantchito kwa zaka ziwiri kapena zoposa ndipo ali okonzeka kugwira ntchito maola ochuluka ndikuyang'anizana ndi miyezi yowopsya mpaka ayamba kulandira phindu.