Yimiphi imisebenzi Yomeluleki Wezezimali Yonke
Nakuba i-term umeluleki wezezimali isetshenziswe ngokujwayelekile kusukela ekuqaleni kwawo-1990, ayikho into ephikisanayo.
Abagxeki abaningi basalokhu bebheka ukuthi kubonisa ukunamathela esimisweni esiqinile sokubambisana nesidingo sokuthi sisebenze ngendlela enhle kakhulu kumakhasimende, kunokuba kube nokulinganisa okunamandla okunamandla okubopha abadayisi ngokujwayelekile. Ngokwesibonelo, uMerrill Lynch , wayephakathi kwamafemu amakhulu okugcina leli gama, ngokugcwele ngenxa yalokhu kukhathazeka ngenye ingxenye yomnyango wayo wezomthetho nokuhambisana nomthetho , owawunokuzethemba ngaleso sikhathi.
Thola ukuvula imisebenzi : Sebenzisa leli thuluzi ukuze useshe ukuvuleka kwemisebenzi yamanje kule nkambu.
Imininingwane eyengeziwe ngeJobe
Kulabo abafuna ulwazi ngaphandle kwezinga lokungena, leli sayithi yomhlahlandlela liqukethe ezinye izihloko ezihlolisisa imisebenzi yomeluleki wezimali kanye nezindaba ezihlobene ngokuningiliziwe. Lezi zihloko zihlelwe kulezi zigaba:
- Ukuthuthukiswa Kwemisebenzi Yabacebisi Bemali
- UkuThuthukisa ukuThuthukiswa kwabaBeluleki bezeMali
- Izinkinga Zesevisi Zabaklayenti Abacebisi Bemali
- Imikhiqizo yokutshalwa kwezimali
- Amasu okutshala izimali
- Izimali Zokuziphatha
- Imibono yabathengi bamabhizinisi amancane
Ngokujwayelekile, umsebenzi womeluleki wezezimali uye wahilela ukuthenga nokuthengisa izimali (njengamasheya nezibopho) egameni lamakhasimende. Ukuguqulwa kwezihloko ezichazwe ngenhla kufanele kubonise ukuthi, kunokugxila ngokuyinhloko ekuhlinzekeni ukuthengiselana, abacebisi bezezimali kufanele babe njengabeluleki bezokutshala izimali kanye nabahleli bezezimali ababona umbono ophelele wezidingo zezimali kanye namagunya abo.
Okunye ukuhluka kwesihloko, njengokuthi umeluleki wezokuphathwa kwemithombo , nakho kusetshenziswa, ngezinye izikhathi ukukhomba umeluleki wezezimali onokuqeqeshwa okwengeziwe, izitifiketi kanye / noma isipiliyoni.
Ubuchwepheshe
Abanye abeluleki bezezimali bagxila ekukhonzeni amaklayenti ngabanye noma abathengisa nabanye futhi bagxile kumaklayenti ebhizinisi noma esikhungweni . Amanye amafemu okugcina izimpahla akhetha ukuthi abeluleki bezezimali bahlose ngale ndlela, abanye bayishiya kubacebisi ngabanye ukukhetha noma yikuphi ukuxuba kwamakhasimende abakhethayo. Amaklayenti asebhizinisi adinga izeluleko nezinkonzo ezikhethekile (njengokuphathwa kwemali yokusebenza noma ukubolekwa kwebhizinisi) bangakhetha abeluleki bezezimali ngolwazi oluningiliziwe kulezi zindawo.
Imisebenzi Nemithwalo Yemfanelo
Abeluleki bezezimali bayeluleka amaklayenti ngamathuba okutshala izimali, ngokuhambisana nezidingo zokugcina, imigomo nokubekezela kwezingozi. Umsebenzi udinga ukulinganisa izimakethe zezezimali, ukuqapha njalo ukutshalwa kwezimali okuqondile kumaphothifoliyo amaklayenti, nokuba phezulu kwamasu okutshala izimali kanye nezimoto zokutshala izimali. Abeluleki bezezimali kufanele baqiniseke ngokuthatha izinqumo ngaphansi kokungaqiniseki futhi ngaphansi kwengcindezi yesikhathi esibi kakhulu, babe nabantu abahle kakhulu namakhono okuxhumana, futhi bazi ukuthi bangabhekana kanjani nokuhluleka kanye nabathengi abangenelisekile.
Ukuphumelela kuxhomeke kakhulu ekutheni ikhono lokuthengisa, kokubili ekuthengeni kwamaklayenti amasha kanye nasekugxilweni kwemibono yokutshala izimali kumakhasimende akhona. Ukukhonza amaklayenti, ukuhambisana nokuphathwa komkhuba kuyinkinga ehlangene nabacebisi bezezimali.
Abeluleki bezezimali bangathuthukisa kakhulu ukukhiqiza kwabo kanye nokukwazi kwabo ukukhonza incwadi enkulu yebhizinisi uma kusekelwa umsizi oyedwa noma ngaphezulu wokuthengisa . Kodwa-ke, ezinkampanini eziningi zezinsizakalo zezezimali, abacebisi bezezimali kumele bakhokhe imali yokukhokhela abathengisi babo, ngokugcwele noma ngokuyingxenye, ngaphandle kokuthola isinxephezelo (bheka ngezansi).
Ishejuli Esijwayelekile
I-Bureau of Labor Statistics (BLS) ibika ukuthi u-24% usebenza amahora angaba ngu-50 ngesonto. Kodwa-ke, ukuzibophezela kwesikhathi kwangempela kungaba nzima kakhulu (amahora angu-60-80 ngesonto noma ngaphezulu), kokubili kulabo abaqala ensimini kanye nabacebisi bezezimali abazimisele ukuletha inkonzo enhle kakhulu nokukhulisa ibhizinisi labo.
Yini Okufanele Uyenze
Abeluleki bezezimali banezinga eliphakeme lokuzimela kwezobuchwepheshe, ngokufanayo ngokuba usomabhizinisi ozimele kunomsebenzi webhizinisi. Kukhona ukuhlanganiswa okusheshayo phakathi kokusebenza nomvuzo, okungenzeka kube nemali engenayo elingenamkhawulo. Yenza umsebenzi wakho kahle, futhi wenze impumelelo ebonakalayo, emihle emakhakheni akho.
Okungafani
Izingcindezi zomeluleki wezezimali ukucubungula ulwazi oluthe xaxa lwemininingwane, ukwenza izinqumo okusheshayo ngaphansi kokungaqiniseki ukuthi, uma kungalungile, kungabi kubiza amaklayenti, ukuthengisa njalo nokuziphendulela nsuku zonke kungaba yinto enzima kwabanye abantu.
Ukuvuselelwa
Isinxephezelo saminyaka yonke saseMedian yayingama-dollar ayi-67,520 kusukela ngo-May 2012, kanti 90% ihola phakathi kuka-32,280 no-187,200. Isinxephezelo someluleki wezezimali ngokuvamile siyisisekelo sekhomishini. Okusho ukuthi, umeluleki wezezimali uthola isabelo semali eyakhiwe eqinile ngamakhasimende akhe. Amanye amamethrikhi, njengenani eliphelele lezimpahla zezimali zamaklayenti kwidiphozi kanye ne-firm counsel firm, angase abe nesibambiso. Abacebisi bezezimali abaphezulu bangathola imali engaphezu kuka-1 000,000.
Indlela Yokuba Umeluleki Wezezimali : Landela lesi sixhumanisi ngengxoxo eningiliziwe yemfundo, ukuqeqeshwa kanye nezitifiketi zokuqeqeshwa ezidingekayo ukuze uqale umsebenzi njengomeluleki wezezimali.
Ezinye Izigaba ezihlobene: Ungase ufune ukubuka umtapo wethu wezincwadi eziningi kakhulu kulezi ezinye izici zemisebenzi yezezimali:
- Umsebenzi wezezimali kanye namaphrofayli kaJobe
- Abaqashi Abaqashi Ngezezimali
- Imfundo, Ukuqeqesha, kanye Nezitifiketi Zomsebenzi Wezezimali
- Indlela Yokuphatha Umsebenzi Wakho
- Khokha Imisebenzi Yezezimali
Ukuze uthole ukwaziswa okwengeziwe mayelana Nemisebenzi Yomeluleki Wezezimali: Landela izixhumanisi ezingezansi ukuze uthole imininingwane eyengeziwe ekukhokhelweni, iziqinisekiso, ukuthuthukiswa komsebenzi nokuningi.