0.5／中文譯字_筆_英→中_職場生涯規畫_3 - 翻譯

[必]企業/組織全名：讀書共和國好人出版
[必]統一編號：70446624
[必]負 責 人：郭重興
[必]地　　址：新北市新店區復興里民權路108之2號9樓
[必]電　　話：22181417
[選]傳　　真：22188057
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[必]工作類型：筆譯
[必]全／兼職：兼職
[必]涉及語言：英譯中
[必]所屬領域：職場、轉職，譯者有相關背景為佳
[必]報酬計算：每中文譯字0.5元
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[必]應徵條件：中文譯筆流暢，要三名譯者合譯
[必]應徵期限：請於2013.11.13下午六時前將試譯稿寄回
[必]聯 絡 人：[email protected]

Take Advantage of Tax Breaks, School Loans

If you are heading back to school, you may not be able to get your
costs covered up front, but you may qualify for a school loan, school
loan forgiveness after a period of work, or a tax break. The Education
for Public Service Act reduces monthly payments on federal student loans
for graduates who work in public safety, public health, education,
social work, or the nonprofit sector.The law provides complete loan
forgiveness for graduates who work full time for ten years in public service.

There is also a variety of tax incentives for education. Some people
finance their return to school with after-tax 529 college savings
accounts that were intended for younger family members but have no
age restrictions. The accounts allow investments to be withdrawn tax-free,
as long as the proceeds are spent on higher education.

Depending on your income, you may be able to take advantage of tax
deductions for education expenses and loan interest. You may also
qualify for a tax credit reducing the amount of tax you have to
pay (as opposed to deductions, which reduce your taxable income).
The Lifetime Learning Credit gives tax credits of up to $2,000 per year
for courses to acquire or improve job skills. And the American
Opportunity Tax Credit (also called the Hope Scholarship Tax Credit)
is worth up to $2,500 toward the cost of qualified
tuition and related expenses.

IRS Publication 970 has full details on all of these incentives.
(Find it on irs.gov.) Keep in mind that the IRS doesn't allow
“double-dipping,” which means that you can’t use both the deduction
and one of these tax credits. Of course, speak to an accountant,
if you can afford one.

You can also look into a low-interest Stafford loan, the main federal
loan for students, which has a fixed interest rate of 6.8 percent.
If you’re working on an undergraduate degree, you may qualify for
a Pell Grant, a federal grant of up to $5,350 a year available for
those who demonstrate financial need. (For more on how to finance
your education, see page 206.)

Apply for Scholarships or Grants

One of the benefits of being a student, being out of work, or working
in the nonprofit or public sectors is that you can occasionally tap
scholarships or breaks on tuition and other fees. So it’s always wise
to ask. RozeLyn Beck discovered this when she transitioned from a long
career in insurance to a position with the YWCA in Hartford, Connecticut.
One of Beck’s greatest pleasures is the time she spends volunteering
at hospitals and other places with her therapy dog, Cadbury.
When Cadbury failed a certification training and needed to take it
again, Beck considered just dropping it as she didn’t want to incur
the costs. But she discovered a scholarship for the training, applied,
and got it. This time, Cadbury passed and Beck was able to get back
involved in an activity that means a lot to her. “It was a humbling
experience,” she said. “I’d never have taken the scholarship if I
didn’t need it, and I wasn’t going to let my pride get in the way.”



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