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Create: 2025-04-10 Update: 2025-07-03 00:19:56

✅ مفهوم کسورات در حقوق و دستمزد

کسورات به مبالغی گفته می شود که توافقا بین کارفرما و کارکنان و یا طبق قانون از حقوق و مزایای کارکنان کم میشود.

🔻از مهمترین آن می توان به موارد زیر اشاره نمود:

🔹مالیات حقوق و مزایا
🔹۷% بیمه سهم کارگر
🔹مساعده
🔹وام
🔹اجرائیات (کسور صنوق اجرا)

▪️ مفهوم کسورات صندوق اجرا (اجرائیات)

به بیان ساده بدهی کارکنان به صندوق اجرا می باشد. این بدهی از طریق قانون یا براساس حکم دادگاه توسط کارفرما از حقوق کارگر کسر شده و به صندوق اجرا واریز می شود.

▪️مفهوم کسر توافقی

همانطور که از نامش پیداست توافقی بین کارگر و کارفرما مبنی بر کسر مقدار مشخصی از حقوق انجام میشود.

🔻از مهمترین آنها می توان به موارد ذیل اشاره نمود:

🔹وام مسکن
🔹مساعده
🔹پیش پرداخت حقوقی
🔹قسط وام های ضروری
🔹بدهی به شرکت تعاونی

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Should You Buy Bitcoin?

In general, many financial experts support their clients’ desire to buy cryptocurrency, but they don’t recommend it unless clients express interest. “The biggest concern for us is if someone wants to invest in crypto and the investment they choose doesn’t do well, and then all of a sudden they can’t send their kids to college,” says Ian Harvey, a certified financial planner (CFP) in New York City. “Then it wasn’t worth the risk.” The speculative nature of cryptocurrency leads some planners to recommend it for clients’ “side” investments. “Some call it a Vegas account,” says Scott Hammel, a CFP in Dallas. “Let’s keep this away from our real long-term perspective, make sure it doesn’t become too large a portion of your portfolio.” In a very real sense, Bitcoin is like a single stock, and advisors wouldn’t recommend putting a sizable part of your portfolio into any one company. At most, planners suggest putting no more than 1% to 10% into Bitcoin if you’re passionate about it. “If it was one stock, you would never allocate any significant portion of your portfolio to it,” Hammel says.

✅ مفهوم کسورات در حقوق و دستمزد

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