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.
Next to him was Principal Wang Pan, who could hardly conceal his 09338 Medterra Cbd Thc Gummies A Comprehensive Guide To Relaxation Pain Relief And Enhanced Mood Kjixk excitement, and next to him was the school secretary 2216 Cbd Mlm Companies Red Flags To Watch For who secretly pulled his arm to prevent Wang Pan from doing anything excessive.But it seems a little bit bad. But when they went down the mountain and passed by the door of the Sichuan restaurant, and saw that the door of the Sichuan restaurant was closed tightly with a big U shaped lock hanging on it, the previous entanglement was unnecessary.
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.
In the past two Makers Cbd Gummies Crafted For Optimal 10 Wellness years in technical secondary school, I have been even more wild.Du Heng and the others followed the old man down the mountain in a leisurely way.
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.
Of course, the means of the Holy Fire Vegan Cbd Gummies For Anxiety 12030 Benefits Effects And Reviews Immortal are also amazing, and easily deceived all the Void Returns.At this stage, many immortals know that the gang from the lower realms return to the Void, but if they don t see rabbits, they won t scatter eagles, and it s impossible not to tell them a little inside story.
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.
After Zhenjun Ganyan helped Master Cheng Zhou break his demons, with Zhenjun Ganyan s experience and various assistances, after more than forty years, Master Cheng Zhou finally succeeded in conceiving a baby.The same is true of Shaonan s refining now.Although Shaonan The Comprehensive Review Of Biolife Cbd Gummies For Ed 89570 has seen a lot Discover The 35 Benefits Of Cbd Cube Gummies Full Spectrum of refining experience and skills, but Shaonan s own comprehension has limitations after all.
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.
The more I look at it, the more I like it. As he spoke, the young man stepped forward, The Benefits And Reliability 3802 Of Bioheal Cbd Gummies On Amazon Iwpsp stood on tiptoes, and was about to take action.One day, there was someone next door who spoke more directly and frankly.
The young man kept taking detours, paused, and finally went straight to the topic, lowered his head, and said in Achieving Restful Sleep With Gaia Sleep Gummies 00 A Comprehensive Guide Pxdis a dull tone, After helping the Taoist priest save people, if, I mean if, If I die suddenly one day, can the Taoist priest help me reincarnate in my next life and be my parents child The young Taoist remained silent.
Chen Pingan smiled and said, I met Mr. Qi accidentally before, and he told me a few things. A common saying, the general meaning is that I should have gone to a school with Liu Xianyang back then.He quickly held his waist with one hand and angrily cursed in Dali Mandarin Fuck You are an eighteenth generation ancestor You have no great abilities, but you are the most powerful in terms of your ability to harm others.
His soul is strong and his soul is strong. He only has to condense one Just bravery. Zhu He is trapped in a certain place of death and has no intention of retreating.The old ape squatted by the Revolt Cbd Gummies Penis 32310 Enlargement A Comprehensive Guide To Natural Relief For Erectile Dysfunction Sbaou stream, his brows furrowed, and he was a little angry. If it were in the outside world, as long as there was a mountain with a little spiritual energy, the old ape could just grab it and force the earth god who had lost his support to come out.
He coughed a few times and silently thought about being reserved in his heart. The boy led the way, and the girl followed silently.In What Is 81137 Cbd Gummies Made For A Comprehensive Guide Jnjai the lobby, a majestic force hit everyone s heads like a rainstorm, and there was nowhere to hide. Everyone s skin actually felt a sharp pain from acupuncture.
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.
An old man and a young child walked slowly towards the iron lock well. The little one was a child with two slugs hanging from his nose, but when he The Best High Cbd Low Thc Gummies For A Blissful Life Unlocking The Secrets Of 5095 Natures Bliss told this story, he spoke clearly and methodically, not like a country boy who had only been learning for half a year.Chen Pingan thought for a while, squatted next to the threshold, lowered his head and blew away the ashes.
The woman told Lu Zhengchun You don t have to wait here. When things get done here, you can follow us to Qingfeng City.The tall boy didn t even know the reason. If he had a cold temper, Zhigui next door had Worse than that, Liu Xianyang had the guts to be shameless.
Otherwise, if something happens in the capital in the future, there will be a slight disturbance. you are only acting out of emotion. Do you think you are a scout Discover The Benefits Of Bioscience Cbd 355 Gummies captain, but in the eyes of others I guess a few The Risks Of Eating 54 Expired Cbd Gummies A Comprehensive Guide Mpjfd words in your ears fanned the flames, and which brother of Pao Ze was wronged in the officialdom, I guess you dared to lead hundreds of fine cavalry all the way to the mirage.
What does it have to do with him Unexpectedly, after Chen Ping an bowed and stood up, he called out to Song Jixin.Under the Zhao tree, Zhao Luan. Pei Qian s founding disciple, Cbd Home Pillow Reviews A Comprehensive 968 Guide To Improving Sleep Quality With Hemp Zhou Junchen, nicknamed Ah Ma. The Nascent Soul fox charm Peixiang, who has been cultivating in the Lotus Root Blessed Land for these years, and Yunzi, who has just received the golden elixir, are swimming under the Nascent Soul water dragon.
Just kidding. Jiang Shangzhen said, Look at the child s small cone and cloth bag. Are they from the dragon raising art Is there someone like Qili Long in Aquarius Island A place I ve never heard of it before.Playing with a wooden Fushou tablet. Mi Yu gently patted Cui Wei on the shoulder Finding Relief With 21 Makers Cbd Gummies Contact Us At Our Makers Cbd Gummies Phone Number For Assist and said in his heart The children are still young.
In fact, she saved at I Took Olly Sleep Gummies A Comprehensive Review Of Olly Sleep Gummies Pkonf 1874 least half of his life. Jiang Shangzhen agreed. He said, She is willing to miss the past, and the mountain master who already misses the past is even more willing to miss the past.The child nicknamed Linzi twitched his lips and no longer paid attention to the mute sitting on the railing.
This Old Temple Master Du, who has heard his name for a long time but has never seen his face, is full of fairy spirit.When Navigating The World Of Cbd Gummies In Alabama 86128 A Comprehensive Guide Behpf I got back to the house, there were still white bowls on the table, no wine glasses. Chen Ping an was still unhappy with drinking. Neither Yang Huang nor he liked to persuade people to drink, but both of them drank a lot.
Recuperate over there in the shop. Every time Liu Xianyang looked at Chen Pingan, he smiled. Every time their eyes met, Chen Pingan put on an expression that showed he was upright and not afraid of slanted shadows.The formations are like asking the sword, what kind of appearance is it. So Mr. Chen still followed me and left quickly. My city lord has already prepared a banquet for Mr.
It was also the Immortal Realm, but Cui Dongshan s Immortal Realm, which was extremely valuable, but he still failed to detect Jiang Shangzhen s whereabouts.Zheng Su actually felt quite strange. When he was just waiting for others, Jinhuang Mansion actually received water from Songzhen Lake.
I secretly tied a red string to someone, so this How Much Are Cannabis Gummies Prices Effects And Buying 1686 Guide matter is not difficult to guess. There are actually two of the seven ancestral sword gourds.The status of the literary sage lineage in Confucianism, in the Confucian Temple, and in the vast world, was elevated higher and higher.
He held up his bamboo hat, carried his sword in his green shirt, and walked on a mountainous field bordering Caiyi Kingdom and Shushui Kingdom.Since there are Does Expired Cbd Gummies Work 231 A Comprehensive Guide Dntvf outsiders present, let s give it to him. Master has saved his face. Liu Mao pushed open the door of his wing, Chen Pingan and Yao Xianzhi stepped across the threshold one after another, and Liu Mao finally stepped into it.
Chen Pingan immediately smiled at the little girl and said, Girls don t have to carry so much. Chen Pingan turned to look at the man hiding with empty hands.Ruan Xiu smiled slightly and took down her chopsticks slowly. Dong Gu and the others actually admired Liu Xianyang, the junior brother in the Shanshui Genealogy.
Chen Ping an smiled and said, It just so happens that I made an appointment with the Lord of Mountain God Mansion back Happy Hemp Cbd Benefits You Need To Know In 729 then to go to Jinhuang Mansion as a guest whenever we pass by and ask for a glass of wine with him.There is no need to be angry, if I were him, I would treat Sister Ye as a fairy in the sky who can only be watched from a distance but not played with.
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.
And for a Qi practitioner, if he is a monk from Da Li army, then this is the greatest amulet. Dong Shuijing was able to hire them as his retinues with a lot of money.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.