Ngaba Unokukhipha i-CFA okanye i-CFP kwiindleko zakho?

Mhlawumbi, kuxhomekeka kwimfuno yakho yomsebenzi

Ukubhalisa kwi-Chartered Financial Analyst (CFA) okanye iProjekished Financial Planner (CFP) kunye nokuthatha iimviwo ezifanelekileyo kunokubiza-ukuya kumawaka angama-dollar okanye ngaphezulu ukuze uhlaziywe kwaye uthabathe iimviwo. Eli nani alibandakanyi indleko zokugqiba umsebenzi wekhosi eklasini.

Umbuzo ophindaphindiweyo phakathi kwabaviwa kukuba: Ngaba ndingayenza iirhafu zokuvavanya okanye iindleko zokulungiselela iirhafu?

Ewe, impendulo emfutshane kukuba: kuxhomekeke.

ImiGaqo ye-IRS yokuThathisa iindleko zezeMfundo

I-Revenue Service Revenue ipapasha imithetho yokunciphisa oko kubona iindleko zemfundo ezihambelana nomsebenzi kwiirhafu. Nakhu okushiwo yi-IRS:

Unokubamba iindleko zemfundo ehambelana nomsebenzi njengeendleko zoshishino. Le yimfundo ehlangene ubuncinane kweminye yeemvavanyo ezimbini ezilandelayo.

• Imfundo iyadingeka ngumqeshi wakho okanye umyalelo wokugcina umvuzo wakho, isimo okanye umsebenzi. Imfundo efunekayo kufuneka isebenzele injongo yezoshishino zomqeshi wakho.
• Imfundo igcina okanye iphucula izakhono ezifunekayo emsebenzini wakho wamanje.

Ngokwenzayo, kubaphathi bezolawulo okanye uhlalutyo, i-CFA okanye i-CFP inokuthi isebenze "injongo yezoshishino ngokuqinisekileyo" kwaye iyadingeka emsebenzini. Imfundo eyongezelelweyo efunekayo yenkqubo yeCFA okanye yeCFP ingaqwalaselwa njengemfundo ehambelana nemisebenzi xa kufuneka iimfuno ezilandelayo:

• Ufuna i-credentiki ukugcina umvuzo wakho, isimo, okanye umsebenzi;
• Imfuno ibonelela ngenjongo yoshishino yomqeshi wakho; kwaye
• Imfundo ayiyinxalenye yenkqubo eya kukufanelekela ukuba ithengise ishishini okanye ishishini elitsha.

Le mfuno yokugqibela yisoloko ihamba iindawo ezininzi ezifunayo.

Ngokomzekelo, ukuba usebenza kwiinkampani zenkxaso yezemali, kodwa inxaxheba echaphazelekayo yotyalo-mali (njengeteknoloji yolwazi okanye ulawulo), iCFA okanye i-CFP ayidingekile kumsebenzi wakho. Kule meko, i-credentiki iya kukufanelekela umsebenzi omtsha, kwaye iindleko zakho aziyi kuhlawulwa irhafu. Kwakhona, ukuba umqeshi wakho uyakubuyisela ngeendleko zakho, awuqinisekanga ukuba ungazibiza njengeendleko kwi-tax return yakho.

Ukuba ufumana imfundo engaphezulu kunomqeshi wakho (okanye umyalelo) ufuna, imfundo eyongezelelweyo enikezelwa yiCFA ingaqwalaselwa ngemfundo ehlobene nomsebenzi kuphela xa "igcina okanye iphucula" izakhono ezifunekayo emsebenzini wakho wamanje . Oku kunokuba nzima, kuba, ngokwezakhono, ngelixa i-CFA okanye i-CFP ngokuqinisekileyo iya kuphucula izakhono ezihlobene nomsebenzi, kuya kubonakala njengokuba ulungele umsebenzi omtsha.

Indlela yokuLawula iindleko zakho Ukuba Ufanelekile

Ukuba ufumanisa ukuba iindleko zakho ezinxulumene neengxelo zenzelwe ukuhlawulwa kweerhafu, unokuzibamba enye yeendlela ezimbini:

• Ukuba ungumqeshwa ohlawulelwayo, ungazibamba njengenxalenye yemali echithwe ngayo kwiFomu 1040 kwiShedyuli A, kodwa kuphela inxalenye engaphezulu kwe-2% yengeniso yakho epheleleyo.
• Ukuba usebenza ngokuzimeleyo, kufuneka uchithe iindleko zakho zemfundo ngokuzenzekelayo kwingeniso yakho yokufumana umsebenzi. Kucacile ukuba, oku kuya kufuna ukuba ube nemali engenayo malunga nokuhlawula iindleko zakho; oku kuthetha ukuba abo abangasebenzi ngoku abanako ukukhupha iindleko zabo.

Ngoku, nokuba ikhosi yakho okanye iindleko zokuvavanya azifaneleki ukuncitshiswa kweerhafu, awukho ngokupheleleyo inhlanhla. Ezinye iindleko zeCFA kunye neCFP zingafanelekela i-American Opportunity okanye i-Lifelong Learning Credit. Isizathu sokumisela sinokuba ingaba ungayithathi inkqubo evela kumboneleli ofanelekileyo kwaye uhlangabezane nemingcele yengeniso.

Ngaphantsi

Ngamafutshane, umviwa ngamnye weCFA kunye neCFP unemeko eyahlukileyo yohlobo lomntu kunye nerhafu. Ukuba awuqinisekanga ukuba ngaba iimviwo zakho kunye neendleko zokulungiselela zichithwa, kuyafaneleka ukuthetha kunye neengcali zerhafu.

Enye into enokwenene, nangona kunjalo: awufuni ukuzibika ngokukhwabanisa kwerhafu kwinkcazo yakho yokuziphatha yonyaka.