Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.
De acuerdo con la Ley Federal del Trabajo (LFT), los empleados que perciben un sueldo tienen derecho a recibir su aguinaldo antes del 20 de diciembre. Sin embargo, dicha prestación es utilizada, por la mayoría, para afrontar los gastos de fin de año sin considerar que existen alternativas inteligentes para hacer rendir ese dinero.
Los trabajadores que llevan un año o más en la empresa, pueden calcular cuánto les corresponde al dividir su salario mensual entre 30 y luego multiplicar esta cifra por 15. En cambio, quienes aún no tienen esa antigüedad, pueden estimar el aguinaldo anual y dividir la cantidad entre 365. El resultado se multiplica por los días laborados.
Si bien el aguinaldo es una prestación que nos ayuda a solventar los gastos durante la época navideña, depende de nosotros que gocemos de sus beneficios por el resto del año. Explorar el potencial que tiene este ingreso en nuestras finanzas, nos permitirá verlo no sólo como un medio de financiamiento, sino como un generador de riqueza.
En este sentido, el experto en finanzas personales enlistó las cinco formas más inteligentes de utilizar el aguinaldo sin comprometer nuestra economía y obtener un beneficio a largo plazo.
Paga deudas
Es importante tener nuestras prioridades en orden, de tal modo que si ya se vienen arrastrando deudas con anterioridad, un buen uso para el aguinaldo es liquidar esos compromisos. Si la cantidad es insuficiente, se puede dar un pago mayor al mínimo o bien adelantar los Meses Sin Intereses.
Quien se encuentra en una situación de sobreendeudamiento y definitivamente sus ingresos ya no le permiten pagar, la alternativa es recurrir con los expertos; por ejemplo, la reparadora de crédito Resuelve tu Deuda. Ellos se encargarán de negociar el adeudo y conseguir un buen descuento.
Invierte
Una manera de aprovechar este ingreso es optar por un instrumento de inversión que brinde valor frente a la inflación. Para lograrlo, es importante elegir el producto que ofrezca un buen rendimiento y se adapte al perfil del consumidor. Por eso, dijo, explorar lo que ofrecen las nuevas plataformas digitales puede ser una alternativa interesante tanto para los inversionistas experimentados como para los primerizos.
Una Fintech como LaTasa.mx puede ofrecer grandes beneficios a quienes decidan capitalizar su aguinaldo. Con un monto de apertura accesible y un rendimiento promedio anual del 15 por ciento, se convierte en un medio atractivo para depositar e incrementar el dinero frente a los esquemas tradicionales de ahorro e inversión.
Piensa en tu Afore
No se debe obviar la importancia de un retiro digno, pues esta es una meta financiera a largo plazo en la que se puede impactar positivamente desde hoy. Así que, un destino muy útil para la prestación de fin de año es depositarla en nuestra Administradoras de Fondos para el Retiro (Afore).
Asegura tu futuro
La contratación de un seguro debe estar entre los propósitos del 2018, especialmente después de los eventos naturales ocurridos durante este año. De modo que, el aguinaldo podría resultar muy útil para adquirir alguna cobertura que permita conservar el bienestar físico y patrimonial de la persona.
Opta por bienes duraderos
Por último, si ya se tiene pensado gastar el dinero, lo mejor es que sea en una compra inteligente. Por ejemplo, conseguir un bien de larga duración o que sea necesario. Otra opción sería incrementar el enganche para una casa o un auto y así reducir el monto de las cuotas que se pagarán.
Cabe señalar que según la más reciente Encuesta Nacional de Inclusión Financiera (ENIF), 63% de los mexicanos no lleva ningún control de sus gastos, por lo tanto, no es de extrañarse que 7 de cada 10 personas realice alguna compra no planeada al mes. Esta situación podría llevar a que los consumidores queden endeudados al iniciar el año.
El flujo de migrantes calificados ha contribuido a un ligero descenso en el promedio total del índice de este año. Es la primera vez que se ha reducido el promedio general del índice desde la primera edición en 2012.
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Since Chapter 7 of the Magical Method of Spirit Control cannot be counted on, Su Ye can only find other ways to break through the spiritual stage faster.Shopkeeper Rong nodded and said Gong Liang will definitely be satisfied with the strange colored spiritual crystals, but if we want to take action in Can THC Gummies Increase Blood Pressure: A Comprehensive Review (JnwKJ)
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Don t worry, there is no distinction between high and low grades among the different colored spiritual crystals.
How about seven or three Su Ye s The medicinal wine has Alpha Bites Male Enhancement Gummies Review: Does It Really Work?
almost been brewed, and its efficacy has been adjusted.Why You forgot before. An elite team of the Rakshasa tribe was wiped out Look at the edge of the platform On the edge of the platform, there were several broken bones.
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satisfied with this. It turned out that Su Ye was not led astray by Liang Long and only wanted to relax all day long.Therefore, the methods and rhetoric may be different, but the core of building a holy heart to understand the world is still blending with the spiritual energy of heaven and earth.
Then the ink tiger raised his paw and slapped it hard, breaking the Wellness Peak CBD Gummies Scam: Reviews, Benefits, and Safety
two entwined yin energy.Recalling that when Su Ye first arrived in the world of Hell s Prison, he was confused for a while.
No one is here, what are you using to lure them out Su Ye pointed at the shovel.This made the man stunned for a moment, and then
The man found that there was a piece of talisman stuck on his arm.
Have you ever calculated the aura It s not just to scare me.The method was found in a miscellaneous book in the library.
Dozens of soldiers around him turned into smoke and dust.There has been a lot of growth, especially in spiritual consciousness.
Jiang Yuebai rolled her eyes from side to side, and moved her buttocks next to Zhao Fuyi, making Zhao Fuyi frown deeper and deeper.This effect is like a thirsty person who first drank water from a small tea cup, and now suddenly changed it to a sea bowl.
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The clouds have cleared, the fog has dispersed, and the sky is filled with stars.
I will do this. I won t argue with you. Stop scoundrels bullying me, Senior Sister Jiang Shi Xiaowu rushed over, grabbed the mud and threw it at Zheng Li.However, at the beginning of the Fengyun Club, some special arenas will be opened for people to challenge.
He ran past it and found her looking at it. He stopped and kicked dirt at her angrily.She was standing in the center of the ring with a spear in hand.
When Qionglin Tiger heard that it was Li Jiuchuan s business, he didn t dare to be vague.Zhao Fuyi held down Tang Weimian s hand that pinched the dust and said, I m fine.
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Lingmai seedlings, and no one has the right to blame me.As expected of the second time entering the palace, he has experience.
Come here quickly, there s still room here
Lin Beichen came here. Just to appreciate nature and feel the thunder and lightning, of course I would not take shelter from the rain.Lin Beichen thought about it and was very satisfied, so he asked Boss, how much does this tent cost When the owner of the luggage store saw him asking about the price, he knew that he was inexperienced and didn t often go out to buy things, so he immediately made a judgment in his mind.
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now, the surveillance picture is simply not the AV quality of the past.Can you come downstairs to sign for it Who heard him speak state.
Let s go down the mountain
And in today s era when the Internet spreads so fast.The golden light flashed
This time, the red light used for scanning by the instrument was completely swallowed up.
The two people who were discussing coming back to school for the school anniversary were really worried about their son and worried that something would happen to him, so they immediately asked for leave from their respective units, bought today s air tickets and flew over.I want to talk to him personally. Yes, Director The detectives quickly came to the cordon set up by the police.
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the golden light shines on the top of the head, and is also sprinkled with gold powder.Of course, Han Yuan has to be the one who eats the most beautifully.
Lu Yu looked at these people calmly and said calmly Go Unveiling the Truth Behind PureKana CBD Gummies: A Comprehensive Review
away I will only say this once, if you dare to disturb me again, you will be killed without mercy His voice was calm, but the murderous intention hidden in those words made people tremble in their hearts Even Shao Zhengqing was trembling and couldn t speak for several breaths.
In their opinion, this young man was going to suffer the same misfortune as them Sure enough, the next moment, the leader of the golden elixir ACV CBD Gummies Reviews: Benefits, Effects, and User Experiences
stage immortal cultivator, Shao Zhengqing, looked at Lu Yu Youzai enjoying the barbecue and ignoring them, and said with a ferocious smile Okay Catch this kid too, just enough people Yes Lord Gongsun Two Qi refining stage immortal cultivators in white robes looked at Lu Yu with ferocious faces.
Later, he was rescued by Lu Yu and taught the skills, but was How Long Does It Take to Start Seeing Weight Loss
taken away by Luoyue Palace.And it was difficult for He Zhenlong to come in person for a while He Yan er was a little disappointed, but she also knew that there was no way, after all, it was too hasty.
In their opinion, Lu Yu was from the Emperor s Constellation Star, the ancestral land of China.Yunyun s only remaining relative, her grandfather, sighed helplessly after the white haired man gave her to the black haired man, accepted it, and raised Yunyun.
After a while, two sky burning flames appeared in the ethereal eyes of the Scarlet Flame Pavilion weapon spirit.excellent Everyone looked at the revealed passage on the seventh floor of the Scarlet Flame Pavilion with expressions of anticipation and excitement.
On the contrary, he was simply happy for the Huaxia tribe and the Cangshan Sect They are in a difficult situation.This was even more so in a dangerous situation like the misty forest.
If he persists in his obsession, then they can only join forces to kill Lu Ziji Even if there are losses, the order of the seven immortal cultivating sects cannot be destroyed This is also their common interest And the other side While Finding Relief with CBD Gummies for Stress and Sleep: A Comprehensive Guide
Lu Ziji was practicing, bang bang bang, there was a knock on the door.
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you are the supreme elder of our Cangshan Sect, and we will worship you Lu Shenjun, don t abandon us and leave
Yunyun s drunken and flushed face turned pale in an instant.The Jianbao Pavilion allowed him, who was a casual cultivator in the Golden Core stage, to become a worshipper.
Okay The Scarlet Flame Pavilion s weapon spirit smiled happily and left a symbol of the Scarlet Flame Pavilion beside it.Moreover, now that Lu Yu still has the sacred weapon Red Flame Pavilion in his hands, his strength has increased a lot.
However, Lu Yu s action was not to save them, but to break the formation.Then Lu Yu thanked him sincerely Senior He, this supreme mark is of great use to me.
Its scales were lifelike, and it roared and bit at Lu Yu with a majesty as if it were real.At that time, Wuhua Sect and Shenghua Sect s recruitment of disciples also ended.
This master is actually so powerful. He was so powerful that even Yang Rong, who had killed all the Zhuang clan, had no strength to resist
Old man Yang Rong, you are still here today. The sky really has eyes.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.