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.
Como parte del programa E-Fan X, Airbus, Rolls-Royce y Siemens contribuirán cada uno con su amplia experiencia y sus conocimientos en su respectivo ámbito de competencia.
They haven t found him yet, how dare they come back Tell him to come in.Behind him, Li Ge and Li Hu rushed out with three purple mist guards guarding a carriage filled with purple mist armor.
hehe Chu Yang looked at Luo Chen with a sneer I thought you were a genius, but you turned out to be so brainless.Well The two parties suddenly saw each other and were startled.
Luo Tianhe watched the two people messing around and shook his head.Ever since Luo Chen brought Dujiao back to Yuzhuxuan and was seen by Li Yuxi, Li Yuxi fell in love with the black scale horse and wanted to get one for herself.
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The fact that my body is charged with electricity now hinders basic daily life.However, contrary to his bright mood, the weather was getting less and less bright.
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It may not be Lin Beichen. And you can see that the surroundings are bare, and even the ground has been baked and cracked, even close to the crater.Qian Yi and other police officers Someone No one even gave the order.
Almost ten minutes or so. His physical strength finally reached its limit.This is not only reflected in the fact that they have not been caught after so many years, but also reflected in the fact that they will clean up the scene when committing the crime and remove the traces of the crime.
His body was covered with a layer of charcoal gray black at a speed invisible to the naked eye.Director, something happened to classmate Lin Beichen.
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But it truly expresses the truth. Lin Beichen was slightly stunned, a flash of disappointment flashed in his eyes.Lin Beichen felt troubled when he looked at the trafficker who was about to walk past him.
Compared to offending Fan Zhenhai, they were naturally more willing to offend Fan Bangyan.Although the battle seemed evenly divided, people had to remember that not long ago, everyone thought Qin Feng was just a peak Xuan realm and an injured waste.
Then why are you still standing there Let s go Dou Yi glanced at Chu Tiankuo on the ring, but saw that Chu Tiankuo was already looking this way.The martial arts of the Dragon Kingdom have been weakening for more Understanding the Benefits of Cbd Bites Gummies 300mg for Overall Well-being
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many Yang Kingdom forces lurking in Shen City.He doesn t need to prove anything. I believe him Brother Qin, Don t worry, I never meant not to believe you She was really afraid that Qin Feng would think too much, so she hurriedly explained.
Haha, you don t have to be humble in front of me. Ye Linyuan snorted coldly If defeating Haiyuan Li is just showing off, then my Ye family s pursuit of Haiyuan Li will be over.Down the company. Song Qinghui should be well aware of this.
She hugged Ye Huang and refused to let go, crying bitterly Luozhi, mom is wrong.But Ye Linyuan and his son have been trying Go90 Keto Gummies Reviews: Unlocking the Power of Keto Snacking for a Healthier You
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The title of Dragon Lord is probably unknown. He changed the subject and said provocatively However, if Lord Qin Long could have fought with Gao Qiaochuanhe and defeated him, then now the top ten geniuses of the Dragon Kingdom would all be worthy of this title.Even if Qin Harness the Potential: Losing Weight by Drinking Apple Cider Vinegar
Feng gives them money today and others pay more tomorrow, they will still come.
Qin Feng looked at him as if he was looking at someone through himself.Besides, after so many years, if Long Daoling was still alive, he would have come out for revenge based on his strength.
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he is a master, he will definitely be able to detect if there is someone ambushing him around.And as the information from Yehuang s people said, this land should have been abandoned for many years.
It was hard for her to accept it for a moment. This feeling of heaven one second and hell the next made her almost collapse.A group of rough guys standing next to him were also puffing smoke, spitting the smoke right in Su Peipei s face, all smiling playfully, completely ignoring Su Peipei and the others.
Thank you, Brother Qin Dai Ruolan was very happy today and was dressed very exquisitely.Well, just don t interfere. Long Daoling s voice came from the river, but his true identity was never seen.
Qin Feng is that stain. You should have lived a good life in the past twenty years.If your efforts are in vain, they must be prepared.
As for me, Mr. Chen knows the connections and power of the Ye family, and I can pave a bright road for Qinghai.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.