Thola Ukuvula Imisebenzi
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Imfundo
IsiGanga seBachelor kulindeleke. Imisebenti yezimali, ukubalwa kwezimali kanye / noma ezokwezimali kuyasiza, nakuba kungadingeki. Amakhono anesisindo esinamandla nokuhlaziywa kubalulekile. I-MBA ingakunika umlenze ohlelweni lokuqasha, kuye ngokuqinile.
Isitifiketi
Ukulayisense kuyinkimbinkimbi. Umbuso ngamunye unezidingo zawo zokulayisense, ezihluka ngezinhlobo zomshuwalense ukuthi i-agent yokuthengisa yomshuwalense izobhekana nayo. Imboni ibilokhu igcizelela izindinganiso zamalayisensi kazwelonke afanayo, ukuze kube lula ukwenza isitifiketi. Ama-inshuwalense abamba imikhiqizo yokugcina izimali azodinga isitifikedi se- FINRA , sidlulise ukuhlolwa kwe-Series 6 noma Uchungechunge 7. Labo abasebenza njengabahleli bezezimali bangadinga ukuqokwa kwe-Certified Financial Planner (CFP).
Imisebenzi Nemithwalo Yemfanelo
Ama-inshuwalense akhuthaza amaklayenti mayelana nokusebenzisa imikhiqizo yomshuwalense ukuvikela engozini.
Umsebenzi unomsebenzi omkhulu wokuhlela wezezimali, ngisho noma i-ejenti ingabandakanyeki ngokuqondile emkhakheni wokuhlela wezezimali. Ngakho-ke, ngenkathi impumelelo ixhomekeke ekutheni ikhono lokuthengisa, amakhono okuhlaziya aqinile nawo ayadingeka.
Ishejuli Esijwayelekile
Ukuzibophezela kwesikhathi kuguquguquka, kuye ngokuthi indawo ethile yomshuwalensi isikhundla kanye nesifiso somuntu sokuzikhandla.
Amahora angu-40-60 ngesonto ibanga elijwayelekile. Njengakwamanye amasimu okuthengisa, labo abaqalayo badinga ukutshalwa kwezimali okukhudlwana kwesikhathi ukuze baqalise imikhuba yabo.
Yini Okufanele Uyenze
Ama-inshuwalense ngokuvamile anezinga eliphakeme lokuzimela kwezobuchwepheshe. Labo abakhokhelwa ngokuyinhloko yikhomishani bajabulela ukuhlangana okuphakathi kokusebenza kanye nomvuzo, ngemali ebalulekile engaba khona. Lo msebenzi unikeza ithuba lokwenza umphumela ocacile, omuhle ekuphileni kwamaklayenti akho.
Okungafani
Ama-inshuwalense kumele alinganise ukungqubuzana kwezintshisekelo, ngoba isinxephezelo sisekelwe ekuthengiseni, ngaphandle kokuhlonipha ukuthi imikhiqizo ethengiswayo kufanelekile kanjani isimo senkampani. Izinkampani zomshuwalense azigcinwa ngokuhlonishwa, ngakho-ke kungase kube nezingqinamba zokungathembeki ukunqoba, okungaholela enkingeni ekuphikisaneni ngokukhokha izimangalo.
Umholo Wemiholo
Ngaphansi kwe-Bureau of Labor Statistics, isinxephezelo saminyaka yonke esiphakathi kwaba ngu-$ 48,150 kusukela ngo-Meyi 2012, kanti 90% ihola phakathi kuka-$ 26,120 no-$ 116,940. Amacebo okuvuselelwa ahlukahluka ngumqashi, kodwa inkokhelo ekhokhwa yikhomishana ijwayelekile.
Ngokwesifundo somshwalense wempilo yomshuwalense wezokucwaninga u-Limra (njengoba kubikiwe ku-athikili ye- Wall Street Journal ye-3/19/10 ethi "Umsebenzi Oshisayo Ngezikhathi Ezinzima: Ummeli Womshuwalense Wokuphila"); ummeli womshuwalense wokuphila kufanele alindele ukuchitha okungenani iminyaka emihlanu ngaphambi kokuba abe nethuba lokuthola imali engaphezu kuka-100 000 000 ngonyaka.
Umbiko ofanayo unikeza lokhu kusatshalaliswa kwemali engenayo yaminyaka yonke kuma-ejenti abanjwe nenkampani eyodwa esesimeni sabo sesibili:
- Ngaphansi kwe-$ 15,000: 28%
- $ 15,000 kuya ku-$ 34,999: 42%
- $ 35,000 kuya ku-$ 49,999: 13%
- $ 50,000 kuya ku- $ 74,999: 9%
- $ 75,000 kuya ku $ 99,999: 4%
- $ 100,000 kuya ku-124,999: 2%
- $ 125,000 futhi phezulu: 2%
Imbuyiselo ye-Agent Insurance Agent
Izinkampani zomshuwalense wezempilo ziyashintsha isinxephezelo kuma-ejenti ozimele ezivela emkhompheni wekhomishana (lapho ama-premium angama-4-6%, futhi cishe okungenani amaphesenti angu-30 ngonyaka wokuqala, iyinto evamile) imali ekhokhelwa ngumnikazi wezinqubomgomo (lapho u-$ 15 ngomuntu ngamunye kuyinto evamile). Lesi shintsho siphuthunyiswa yi-bill of health care bill ka-2010, eyala ukuthi izinkampani zomshuwalense wezempilo zinciphise ukulinganisa izindleko zokuphatha (kufaka phakathi amakhomishini ezokuthengisa) kanye nenzuzo yemali engenayo ye-premium. Izilinganiso ezigunyaziwe zingama-20% noma ngaphansi kwezinhlelo zamanye amaqembu nezincane, kanti u-15% noma ngaphansi kwezinhlelo zeqembu elikhulu.
Ephendula, izimboni ezibheke phambili zibikezela ukuthi izisebenzi ezizimele zizoqala ukushaja amaklayenti ngokuqondile iseluleko ekukhethweni phakathi kwamacebo nabanomshwalense. Umthombo: "Ukunyuka Kwezempilo Kufuna Ukuthengisa Amakhomishana," I-Wall Street Journal , 5/18/2010.