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 Centro AVIN es una plataforma en línea y equipo de trabajo especializado que servirá como punto focal para realizar investigaciones, compartir información, y gestionar el contacto entre centros de investigación.
Aeroméxico detectó la oportunidad de incrementar su visibilidad orgánica y, de la mano de Elogia, aprovechó la migración a un nuevo esquema de sitio y sacar el mayor provecho de su contenido.
So no matter which method is used, the fundamental purpose remains the same.No matter what the final result is.
Professor Du, don t say anything, just send him to the health center.
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Also, what happened today is the beginning of retribution for your family.Lao You snorted angrily. After glaring at Xiao Su, he turned to Du Heng and said, I have two opinions.
Then you have to work hard. Then the couple laughed softly.That is, the liver is not an independent existence, but A center, starting from this center, all diseases can be treated.
First registering the company, then registering the trademark, and allocating equity to the several of you, all of which take time.It s best to rest at home for a week, watch some comedy movies, and find some sketches.
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Now Corey is Director Di has already complained, saying that he acted deliberately because you were not here.Du Heng went a little crazy on the spot. What kind of bastard did this Medterra Pets Cbd Reviews A Comprehensive Guide To Cbd For Dogs 96316 And Cats Qhzae Fortunately, after a professional inspection, judging from the installation traces, it seemed that the installation time of this thing was not long, and it did not exceed three days.
Thank you, teacher. Tang Jinhan stood up and said his thanks very respectfully.The homework the teacher left yesterday seems to be just one question, but if you think about it carefully, it contains too many things.
Lou s fault. but.
Don t be too anxious, let Dr. Lou rest for one more day.I know this patient today, don t see through it. I can see it, but my family can be described as bare walled, and I may not even have a dollar on me.
What does he want to do Just when everyone was confused, Du Heng finally showed his fangs.Old Lou, will everything be okay now As soon as the girl went out with the child in her arms, Cao Yuanqing walked up with a smile and greeted Dr.
Wang Shuqiu led Du Yi to smile at him, and there were children beside her who laughed tenderly and loudly.His respiratory system seemed to He had to stop working automatically and forcefully.
At this time, Director Shi did not wait for Du Heng to ask, and said directly, Later, a teacher was arranged, but this teacher unfortunately encountered a car accident during the summer vacation.However, Tang Jinhan soon realized that there was something wrong with his brain.
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Shao Nan slept comfortably in the room all night, because Shao Nan knew that after the war started, there would be no such a comfortable environment.However, the only regret is that there is no news about Yangmai fruit.
After Shao Nan s research in the library pavilion of the Sacred Fire Glazed Sect, combined with the information of the Sacred Fire Immortal provided by Xiaocao er.After practicing the fire control technique, it is even more powerful.
After eating the barbecue, Shao Nan didn t say anything.As long as the bloody bird talisman deviates, the flying sword may pass through the body immediately.
For such a small city to send two Void Returners, isn t that the rhythm of being wiped out every minute When the city lord heard 1745 Discover Cbd the news, he rushed over immediately, bowing and bowing, for fear that the two returning to the void might be dissatisfied.The ninth level flying sword is already psychic, so it won t talk to a Jindan real person like Shao Nan at all.
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Then what else is there, it s worth your time.Shao Nan couldn t even find a word to describe Lan Yuanzhou at this time.It seems that only Shaonan Xiaoyou returned.A green shirted Yuanying Zhenjun said.
Not a single mosquito can fly out.Gregory said with assurance.The morning test and the evening test are the same, as long as the name is left on the top of the test stone, the task is completed.
Senior Sister An and Senior Sister Zhou retreated at the same time to attack the Dzogchen Foundation Establishment realm.
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Once, he said that he remembered it a long time ago. when I was sweeping the floor, I often saw a child who liked to squat outside the school window.It is a simple truth. The master s advice is like a battle between two countries. It depends on who has more troops and horses to support.
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Song Fengshan drank wine and Liu Qian cooked hot pot, but they didn t say anything. The old man endured it for a long time and said with an angry smile, Say Have you seen that boy already Song Fengshan and his wife looked at each other and smiled, and then Song Fengshan gathered their voices and spoke to his grandfather.
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