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.
Pocas tecnologías crecieron tan rápidamente como la computación en la nube y las coubicaciones —tanto dentro del mercado de los centros de datos como para la sociedad en general—.
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.
La automatización de almacenes está dejando de ser una opción para convertirse en una necesidad estratégica. Con la escasez de mano de obra, la integración tecnológica y las innovaciones en robótica y IA, las empresas tienen la oportunidad de optimizar sus operaciones , reducir costos y mejorar la eficiencia. Al adoptar soluciones como RaaS y mantenerse al tanto de las últimas tendencias en automatización, las empresas pueden enfrentar los desafíos actuales y posicionarse para el éxito en el futuro.
Nanshan Academy was also in trouble. It was the royal academy of the imperial court.Su Ye said Tell me first, when did we meet. Lantern Festival, what s wrong How many lantern riddles did I guess correctly Is there something wrong with you How can you remember this clearly There must be more than twenty items.
I m not treating you badly. Thank you so much. While the other party was checking the illustrated book, Su Ye had already created an atmosphere for casual chatting.After cleaning up for a Comprehensive Guide to CBD Daily Shampoo Reviews: Nourishing Your Hair with CBD (GttoS)
while, Su Ye released the little white fox and the national treasure from the beast cage.
So, at nightfall, Su Ye once again used the trumpet to enter the world of Hell.While Su Ye was thinking, he secretly took a pill and threw it into his mouth to replenish his spiritual energy, then pushed the box forward.
How about you help sell my medicinal wine Don t worry, I definitely understand the rules.There were more than seventy pits in the bone pit, representing more than seventy entrances, and most of them were The Yakshas were divided.
Is this a loss in business What a loss When Su Ye exchanged spiritual crystals for gold and silver in the wild world, that was about it.Not only was she dripping with water, her whole body was as swollen as a ball, and her skin was pale and bloodless.
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hundred years, the most important thing is that something will happen.What s more, Su Ye also launched a killing move. After getting rid of the officers and soldiers, Su Ye directly switched to the trumpet and returned to the wild world.
Ten days is not enough. Moreover, Su Ye didn t doubt the old madman s ability.Chen Su Ye thought for a while and said The prince who was banned must be a brothel who sneaked out.
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knows this, but isn t the reason for the unrest because of those rogue bandits What s going on with this monster Su Ye tilted his head, and suddenly an idea flashed.What good stuff do you have that will make me look good Su Ye took out the bag of thunder essence and placed it on the table.
Otherwise, how could the prince still be sitting in that position after having caused so many ridiculous things in recent years That can t be said.
The reason for the explosive pills was also found. Six Foundation Establishment Pills were too many.I m kidding, I m just here to get information, okay How can I do that when I go to a private room Of course you have Empowering Fitness: Inside Rebel Wilson Weight Loss and Well-Being
to sit in a crowded place
Su Ye randomly picked a table, and soon tea and cakes were served.
The two came to the lanterns. Under each lantern, there was a wooden sign with lantern riddles written on it.I m back. Yu Ziya continued to apply medicine as if meeting an old friend he hadn t seen for a long time, and said, How was it After five years of being a savage in the mountains, have you gained anything Not bad, my cultivation has improved a bit.
A student from Egret Academy said, It doesn t matter Audi Crooks Weight Loss: A Journey Towards Health and Fitness
if he doesn t.However, Feitian Yaksha felt that he was laughing, with a mocking smile, and just looked at him with contempt and disdain.
It seems that s the only way. Su Ye chatted with Wang Mingyang After a while, suddenly
Su Ye, where are you Su Ye looked up and saw that Yu Ziya was taking Yu Zijin to the market.Su Ye thought shamelessly. However, judging from the miscellaneous types on the ground, it is possible that the old madman is an all rounder.
Su Ye also made out the talisman again. The sky and the earth are infinite, the universe borrows the law, the law is born from the heart, and it is Find Serenity with Thera Calm CBD Gummies: A Natural Solution for a Peaceful Life (OVNzG)
endless.Everything can be summed up in just two words tragic Su Ye had a feeling that all the people who rushed into the secret place seemed to be dead.
What You really don t like me anymore Guobao shook his head again, pointed to the room, and then pointed to the medicine shelf in the yard.This thing is actually a spiritual weapon Su Ye poured spiritual energy into the sword gourd, and then, the sword gourd shone brightly, and the sound of swords sounded.
If the main transport is azure stone, it depends on the volume to determine whether the cost can be recovered.Fundamentally speaking, although this is a world where Confucians cultivate themselves from saints, Su Ye actually feels that a world of ordinary people is more appropriate.
According to other jailers on Black Mountain, Su Ye s father s elixir success rate exceeds 70.The dark walls seem to be connected to the sky. Occasionally, the sound of eagle calls could be heard in the sky, but the sky was not completely bright yet and the eagle could not be seen hovering.
Why do you think that is Liang Long snorted coldly The job of making money is offensive to people.It seemed that he did not intend to kill Su Ye, but wanted to capture Su Ye.
Luo Qingqing seemed to have calmed down, and the extent of his struggle was obviously much smaller.It has the bloodline of Asura, and is like a descendant of a god.
They respectively correspond to body refining, foundation building, spirit opening, cave heaven, golden elixir, Yuanying, and god transformation.This old devil was powerful enough, but he was just following orders It s too early for you to be happy Murong Jingyang snorted coldly I was able to suppress you back then, and I can do the same now.
Many of them were written by the two themselves, and this is Su Ye s most valuable asset at present.So, in the ancient times, the alchemy skills in the Hell of the Dead world were actually not bad Su Ye thought this was a bit weird, but from Fei Se s perspective, it didn t seem to matter whether it was weird or not.
Therefore, the opponent s strength may be unfathomable, and if he is not careful, he may be doomed, and then
When the golden sword came in front of him, Su Ye slammed his hands together.
That s too much Fortunately, I have other options. Yesterday I successfully carved a magic stone seal.In the end, it couldn t resist Jiang Yuebai s punch in the air and collapsed.
Jiang Yuebai flashed through the air, and the scimitar hit the mountain wall, causing the cave she came from to collapse.It was Fang Mingyi and three unknown Fang disciples.
What s more, the root value is lower than Five, spiritual energy will hardly get close to you, and you will have to spend more time and patience to fill the five water jars.Luo Tingzong left like a storm, and Xie Jingshan glanced around.
The endless Gobi Desert below was full of ruined halls and houses, as well as a dilapidated forest of steles half buried by the wind and sand.It turned out to be you. Did you encounter some thieves Are you injured Jiang Yuebai They looked at each other at Xie Jingshan, and then looked at the male cultivator in the early stage of the Golden Elixir behind Tang Weimian.
You can go and have a look. Well, I will definitely go and have a look.Your Yunzhicao bloodline is your first chance of survival.
In the square, three figures fell to the ground at the same time.Jiang Yuebai thanked Yu Tianlie for his kindness and chose to walk on his own, still walking at the back of the team.
Tonight, when the inner hunting ground teleportation array is activated, entering first will definitely gain the upper hand and affect the entire situation.It took Qi Tianbao a long time to find out that she was an outer disciple.
There are no immortal cultivating sects in this domain, and it is a gathering place for immortal cultivating families.Dozens of soldiers around him turned into smoke and dust.
That s why it needs to be more transparent to look good.Adjusting the hairpin on her head, Jiang Yuebai stepped on the muddy ground and walked past several Wu monks wearing blue clothes and silver jewelry.
The sandworm king s rock armor was shattered, and his body was still holding on with pus all over his body.She was like sowing seeds, sowing a lot of fire bullets, and the corners of her lips were raised sinisterly.
After dinner, she took the literacy test and memorized it.Why don t you call it no My family has been the servants of the Lu family for generations, and we have seen too many insidious and terrifying things like this Killing someone for a pill is nothing.
Jiang Yuebai hung the soul gathering gourd on his waist, his eyes shining brightly, and he swung his sword forward.Taking a breath to calm down, Jiang Yuebai said, Uncle Hong, can you take me to Nangufang City first I want to buy some things.
Ruosheng flicked his sleeves and said, If the Buddha does not save me, I will abandon the Buddha and become a Side Effects of CBD Edible Gummies: Comprehensive Guide
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Use electricity Electrically convulsing a mouse with the same force as mosquitoes and flies Lin Beichen was bored and watched the flies and mosquitoes without delay to observe the mouse s physical signs.Okay. Yahan s thinking ability is almost zero now, and he will do whatever Hu Norton says.
Lin Beichen looked at his hand, which had obviously reached the second realm of the electric element and the gold element the counter truth realm.the provincial TV station came to interview you, and we are already waiting at home.
At this moment, suddenly, he thought of the lightning he saw on the top of the mountain.until I saw the mobile phone he kept in his side trouser pocket with only a corner exposed.
At this time, there was finally something else in his field of vision, and he suddenly noticed the ancient tree that was still burning.It can truly comprehensively strengthen the martial arts of every position on the body Belong to your own martial arts It just so happened.
It was obvious that they were heading towards them.The text introduces Lin Beichen, and also includes a particularly exciting BGM.
Whew After taking several deep breaths, adjusting his mentality and being fully mentally prepared, Lin Beichen pressed the button of the electric baton.Early this morning, the parents of the abducted children specially sent banners CBD Sleep Tight Gummies: Benefits, Ingredients, and Usage for Better Sleep
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Wang Kai He shook his head helplessly and said, I m still waiting for a call from the hospital.at the same time. An inexplicable feeling rushed into my heart It s depressing, shocking, and heart pounding Lin Beichen could not be more impressed by this feeling.
It was he who controlled the fire element to stay away from himself and the surrounding area.Seeing this, Kendia knew that he didn t need to say anything more, so he waved his hand and said Okay, no more waiting.
Hu Xianyong and other policemen s eyes lit up. His move was decisive and fierce.After speaking, Wang Kai turned to look at Sun Chao not far away and said He can explain I think I ve pretty much Can You Freeze CBD Gummies: A Comprehensive Guide to Storage and Freshness (tboys)
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He explained his purpose of coming It s like this. After getting your cultivation insights and experience a few days ago, I started looking for people to learn about it.Why aren t you moving again What s going on What is this The Benefits of mykind Organics Men's Multi Gummies for Overall Health and Wellness (HQsNZ)
person doing there Keep raising your hand and let me see if I can knock down another tree and find a loophole
The voices of discussion came not only from Wuling Mountain Scenic Area, but also from the surrounding areas of Wuling Mountain.
The six men at the center of the explosion were not even seriously injured
Griffin worked hard to digest the pieces of news he heard.Even the essay that accounts for most of the score can easily understand what the intention is Huh Lin Beichen breathed a sigh of relief.
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They didn t understand how Lin Beichen could still let himself unload the equipment at this juncture, and it could be said that it was the equipment that could cause the most heavy losses to this overseas organization.Lin Beichen stepped on the accelerator. The mountain off road vehicle roared and rushed out, whipping up a gust of wind that caused the dozens of headless corpses to fall to the ground.
After exercising twice more, he felt that he had reached his limit today.At this time, someone thought of something and whispered Today 500mg Gummies CBD: Ultimate Guide to Benefits, Dosage, and Reviews
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The scenes that happened in the supermarket are vivid in my mind Shocking Song Xiangdong saw that Lin Beichen was covered in blood.I do not know how long it has been. The scene of him observing the scenery at the Longhu Mountain Observation Deck suddenly appeared in his mind.
She picked it up and muttered Our son has worked so hard in the last month or so.There are now only four people left in total among more than a dozen people.
It is the highest department in the military world.The clouds and the mist in the sky were not so fresh and became gray.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.