Nhungamiro Kune Unyanzvi Hwakarongwa muChikoro Chokuronga Chikoro

by Ken Clark

Kunyangwe nevabereki vane ruzivo rwekushanda kwevhangeri dzakasiyana-siyana dzekuchengetedza zvikwereti, kuisa zvirongwa zvako muchiito zvinogona kunzwa zvakanyanya. Kushandira unyanzvi anovimbika kunogona kutora zvakanyanya kuvhiringidzwa kuvabereki vari kutotarisira kutora upenyu hwakabatikana.

Asi kusarudza unyanzvi kunogona kunzwa sechinhu chinotyisa uye chinokanganisa. Kune vanhu vazhinji vanozviti vadzidzisi, vazhinji vavo vane hurumende yekududzira mazita pashure pemazita avo. Panewo zvakawanda zvinotyisa nyaya pamusoro pevabereki vari kutengesa kunze kwemazana kana zviuru zvemadhora nevashandi vasina kuita sevakaparidzirwa.

Heano pane chimwe chezvinyorwa zvinotendwa zvakanyanya zvaungada kuongorora kana iwe uri kutenga rubatsiro.

01 Yakavimbiswa Financal Planner (CFP)

Icho CFP chinyoreswa ndiyo ndiyo inonyanya kuzivikanwa mukushambadzira mune zvemari, uye nokuda kwechikonzero chakanaka. Kuti uve Wakavimbiswa Mutengo Wemari, mumwe munhu anofanira kuva nechikoro chebhadhari, akazadza 18-24 mwedzi yekudzidza, uye kupedza chirongwa chakasimba chokupa mvumo.

Uyezve, CFP Board of Standards inoshingaira inopindura zvichemo pamusoro pevashandi vematareji. Hazvisi zvisingazivikanwi kuti Bhodi ridzose mabhizimisi evaya vakawanikwa vachiita pasi pezvenyanzvi dzezvenyanzvi dzakagamuchirwa.

Zvisinei, kunyange zvazvo CFP ine ruzivo rwakawanda mukuronga kwemari uye kushandiswa kwemari, havagoni kudzidziswa zvakakwana mukugadzirira kwekoroji. Saka zvakanakisisa kufunga nezveCFP kudanwa semuenzaniso wepamusoro wekoroji yekugadzira unyanzvi. Zvakanaka, kana ukasarudza kubhadhara CFP, iye achave nezvimwe zvikwanganiso kana ruzivo rwakawanda runoshanda nekoroji yekugadzirira.

Zvinyorwa zviduku-zvinozivikanwa zvinogona kutaridzirwa zvakaenzana neCFP zvakatumirwa ndeye Chartered Financial Consultant (ChFC) uye mazita eBealth Specialist (PFS).

Nzvimbo huru yekutanga kutarisa CFP iri paCFP Boards of Standards directory, kana kuburikidza nekutumira Financial Planning Association yako.

02 Yakagadziriswa College Planning Specialist (CCPS)

Kunyange zvazvo zita racho pacharo rinonzwika rakanaka uye rinobatsira, ruzivo rwechokwadi uye kudzidziswa kwevanhu ava zvinogona kusiyana zvikuru. Kuti uwane malayisensi maererano newebsite yeNICCP, mutungamiri anongoda kubata "chero rudzi rwemari yekubhadhara mari."

Sezvo vazhinji ve "mabhizimisi emari" anogamuchirwa "asingatomboregi chikoro chekoroji, zvinokurudzirwa kushandisa mupi wezano kune izvi zvinorehwa chete kana vane ruzivo rwekuwedzera uye zvikwangwani. Kana vakabata ichi chirevo uye havazi ivo vatengesi vemabhizimisi kana vashandi vekutsinhanisa, vanobvumirwa nomutemo kuti vasave vachikupai mazano ekutsvaga mari.

Kana iwe uchida kuwana unyanzvi neCCPS, iwe unogona kushanyira website ye National Institute of Certified College Planners.

03 Stockbroker kana Representative Registered

Mumwe Mumiririri Akanyorwa, anowanzozivikanwa se "mutengesi wemabhizimisi", ndiye unyanzvi wekutsvaga kwekutsvaga unoshanda kune rimwe reWall Street rekambani yekutengesa saMerrill Lynch. Kuva mubhadharo kunoda kupfuurira kuongorora kwakaoma zvakajeka kunozivikanwa seNhungurudzo 7, iyo inonyanya kuisa mazano emitemo.

Vatengesi vemabhizimisi vanosiyana zvakasiyana mukugona kwavo uye kutarisa, uye vanogona kunge vasina ruzivo rwakawanda kana rusina ruzivo rwekugadzirisa zvemari. Izvi zvinoreva kuti pane vatengesi vemabhiza kunze uko avo vachave vakakurudzira mukukubatsira kuronga nekuchengetedza koreji, pamwe chete nevaya vane ruzivo rwakanyanya.

Sezvo huwandu hwevashambadziri huchiita basa, pane kurwisana kwepanyama kwechido kune zviripo pakati pezvaunoda uye zvavanowana. Kazhinji, mutengesi wemabhizimisi achangoita mari kana iwe uine mari, iyo inogona kupofumadza kukwanisa kwavo kupa rusarura rusarura. Uyezve, mazano akawanda ekutsvaga mari yevatengesi anokonzerwa neukama hwavo hwekambani nedzimwe makambani ekutsvaga.

Semuenzaniso, hombe huru yeWall Street inogona kunge iine zvibvumirano nenhengo yekambani inopa chirongwa cheChipiri 529. Nokudaro, kukurudzirwa kwemutengesi kunogona kunge kwakanyanyisa pane zvavanogona kukupa kuburikidza nehusimba hwavo pane izvo zvakakunakira iwe.

Kazhinji, nzira yakanakisisa yekuwana mutengesi ndeyokukumbira dzimwe shamwari kana vashandi vamunovimba navo. Kana ukangodaro wakaiisa pasi kune vashomanana vanogona kubhabhatidzwa, unogona kuita zvinyorwa zvinyorwa zvinyorwa paNational Association of Securities Dealer website.

04 Yakagadziriswa Public Accountant (CPA)

Kunyange zvazvo vazhinji veZvivimbiso zveVanhu veMari vasingatauri mazano ekutsvaga mari, ivo vanokosha pakuwedzeredza zvikwereti zvekorosi yakabhadhara mitero. Zvinhu zvizhinji zvakadai seTariro Scholarship uye Lifetime Learning Credit, pamwe neSigaba 529 uye Dzidzo IRA inodzinga, ine mitemo yakawanda yemitero.

Kunyange kana uri kutotanga kushandisa CFP yakavimbwa kana Mumiririri Akanyorwa kuti akubatsire kutarisira zvikwereti zvako zvekoroji, vanhu ava vanowanzorambidzwa nemutemo kubva kukupa mazano emitero. Kushandisa CPA pamwe nemumwe wevamwe vadzidzisi vanozobatsira kuve nechokwadi kuti iwe unowedzera kukodzwa kwemitero uye zvikwereti.

Munhu Akanyoresa (EA) mazita akadaro akazivikanwa kuduku, asi akaenzana mukurumbira munyika yese yekugadzirira mitero.

05 Professional FAFSA Kugadzirira

Hakuchina chirevo chinoda kuti mumwe munhu abhadharwe kubatsira vanhu kupedza fomu yavo yeF FAFSA. Chero ani zvake anogona kuzviwedzera se "Professional FAFSA Prepare," iyo inotyisa.

Kana iwe unonzwa zvechokwadi seunoda rubatsiro kuzadza fomu yeF FAFSA (mirayiridzo yakanyatsojeka kana iwe ukazadza fomu iri paIndaneti), funga kubvunza wako wekugadzira mutero kana wezvigadziri zvemari kuti ubatsirwe.

06 Scholarship kana Financial Aid Expert

Zvakare, iyi ndeimwe yenzvimbo dzisingatauri zita rokuti iwe unyanzvi. Zvinonzwisisika, pane dzakawanda zvinokonzerwa nezvivimbiso zvekubhadhara kwakakura uye mari yakawanda yekubatsira mari.

Iwe hausi iwe unyanzvi hunobhadharwa kuti ubatsire kutora chikamu muhurumende yehurumende nehurumende hurongwa. Zvechokwadi, hofisi yezvekubhadhara mari mune yejijiji yekusarudza iripo kuti ikubatsire iwe kuzadzikisa iyo mabasa chaiwo.

Izvi hazvirevi kuti pane vasiri vadzidzisi kunze uko vanoziva nyika yekudzidzira semashure ezvanza zvavo. Kana iwe ukwanisa kuwana chimwe chezviitiko izvi, uye iwe une mudzidzi uyo angave akakodzera kuwana zvidzidzo zvakawandisa, izvi zvinogona kuva munhu mukuru kuva nekona yako.

Kana zvasvika pakusarudza imwe yevashandi ava, nzira yakanakisisa ichava kutumira kwakasimba kune mumwe munhu atovashandisa. Bvunza vamwe vabereki nevadzidzi vezvemari kana vakashanda nemunhu akakodzera kuvimba kwako.

07 Zvimwe Zvinyorwa

Imhizha yekusimwa nekugadzirisa izere zvinyorwa zvishoma zvisinganzwisisiki zvinowanzotaurwa zvisina kunaka kuti zvikwekwe vatsva vatsva. Kunyange pasina imwe yemazita aya ari zvinhu zvakaipa, inofanira kuonekwa se "bonus" mazita ekugadzirira kojijiji. Aya mazita anosanganisira MBA, CLU, CIMA, CFA, uye chero ipi zvayo yeripi reishuwarenzi.

Uyezve, unofanirwa kuziva nezita rakagadzirwa nemabhizimisi makuru ekutsvaga uye rakapiwa chete kune vashandi vavo. Zvisarudzo se "Chikamu 529 Plan Specialist" inogona kunge yakangoda munhu kuti apedzise zuva remazuva akawanda, uye ane zvakawanda zvekutsvaga kwekutsva sevhangeri chaiyo.