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.
Mayor automatización se traduce en crecimiento financiero y promete mayor productividad. Las compañías altamente automatizadas son 6 veces más propensas a incrementar sus ingresos.
La pirámide es un marco simple que ayuda a las organizaciones a argumentar cómo y por qué podrían y deberían cumplir con sus responsabilidades sociales. Intenta equilibrar los intereses propios de las empresas (ganancias) con su objetivo más amplio y virtuoso de ser socialmente responsable.
Para que una atención por WhatsApp Business sea exitosa, la resolución de las necesidades de los clientes debe darse de forma natural: Entender la intención real de los usuarios y lo que requieren, para proporcionar una experiencia de resolución instantánea.
It was really too fast, because you must know that it took Lin Xuan and others nearly half What Does Cbd Gummies Do For Men A Comprehensive Guide Oblyx 81 a year to travel between Tiannan Region and Tianwu Continent in the spirit boat.Bang Void was shattered again, a huge red palm shadow descended from the sky, quickly slapped Yan Feng s body, and sent him flying.
buzz A young man in his twenties stepped forward and activated the beam of light, only five rays of light were Can 2285 A Year emitted.They have all been wiped out. I am afraid that the Duan family will go crazy this Navigating 95 The Side Effects Of Cbd Oil time.
I hope, but the Black Dragon Sect s mountain protection array is not easy to destroy.Oh, you are an elixir master. Chu Yu was surprised.
You must know that the fire spirit is an extremely special existence.Now it seems that Lin Xuan is going to counterattack.
Hmph, it s useless to test again No matter how talented a dead person is, it s useless.Because there are a total of more than a thousand long swords in Understanding The Benefits Of Mg Cbd Gummies For Anxiety 84 Pain And Sleep front, and most of them are soaring into the sky at this moment, surrounding Lin Xuan.
He has a very violent temper and naturally does not allow others to provoke him.This is a gorgeous dividing line p At this moment, the starry sky armor on Lin Xuan s body has been deformed.
Xianwu Academy, countless disciples and young Tianjiao, all waited silently, shouting in their hearts Principal, Lin Xuan, you must succeed In the Palace of War God, the Ninth Elder and others were even more nervous.Suddenly, a group of people quickly flew towards the courtyard where Lin Xuan was.
Everyone else was stunned, Murong Qingcheng, Luo Bingshan and members of the Lin family all looked stunned.To be honest, if there is no king killing Elixinol Cbd Review 255 A Comprehensive Guide To Top array, Lin Xuan and the others really can t compete.
The dark red dragon also widened its eyes, and Blue 67 Vibe Cbd Gummies Review Personal Experiences Shared its light shone, and finally got the blood essence of Tian Youque.But now, he was completely shocked. The strength of the opponent is too strong, not weaker than the Yae Venerable at all, and he even has two earth level martial arts in his hands, and they are also two extremely powerful earth level martial arts.
That target is the purple mountain ahead. The black ball of light streaked across the air, bringing up boundless black Can You Od On Sleep Gummies A Comprehensive Guide To 92043 Safe Consumption Zkzvo flames, and soon hit the purple mountain in front of it.This shocked him extremely, so many strong men were above him, presumably there must be something important.
But don t be here, you will scare the children below.This was frozen by Lin Xuan using the Sea God Ice. He was worried about the loss of energy, so he frozen it a year ago.
Zaan hurriedly raised his guard What s the matter Yu Yanluo stared at the bottom of Cannabis Gummy Bears Benefits Effects 10200 And How To Make Them the tunnel and said The miners are still working at this time on weekdays, but now they can t feel the presence of anyone, it s really weird.The audience was in an uproar, even some whistled. They thought that Nan Xun would refuse, but how did they know that she actually agreed On the one hand, he wanted to see her true face, but on the other hand, he was worried that she had really chosen Zaan as the guest of honor.
Soon the atmosphere between the two became more and more familiar and eager, but Zu an noticed that Sun Ji was about to go out, and he was anxious, so he stretched out his hand to hug the woman next to him.She has seen a lot, and after this fight, she has already judged that the other party s ability to dissipate her strength is some unknown evil kung fu.
Besides, in the backyard of Pei Mansion, there was a sweet and coquettish sound that could make people s bones crisp You hurt me Ah Zu an raised his head, with traces of rouge still remaining on his face, But at this time, his expression was a little dazed.Zaan was stunned, and finally couldn t help but said Madam is Determining Dosage How Many Cbd Gummies Should I Take For Anxiety 117 really a business genius, and you can dig out such a huge business opportunity for anything.
Dao Yun is worthy of being a master of the piano, and he can even figure out his mood at that time from the artistic conception of the music.Back then, he was just a son in law of Mingyue City, a typical waste in the eyes of the world, how could he fall into the eyes of someone like Jijiu.
This time I So here, we have also traced all the way.He immediately understood Jian Taiding s plan, since the target is good at hiding, then attacking him must save him, so that he can t hide.
Well, not many people value the small way of poetry, so that there have been no suitable lyrics.I don t see any outsiders anymore. Zu an smiled How many years has Sister Xingnu been by Madam s side Oh, I can t afford to be a maidservant, sister.
Not long after he left, a group of people rushed to the scene.Pei You complained. Sang Hong also frowned I don t understand why the other party is behind closed doors.
Gold Medal Eleven When Sang Hong and the others saw him, their hearts suddenly became more at ease.He still has another worry that he didn t say out loud.
Zhao Zhi got up, changed his usual publicity, saluted politely, and at the same time made a self styled introduction.As if noticing his disapproval, Bi Linglong frowned and reminded As one of the founding dukes, the Jian family has its own private army just like your Chu family in Mingyue City, and because of the special status of Yunzhong County, no With the help of the Yu family, the Jian family has not been weakened by the court like Full Body Cbd Gummies Shark Tank Benefits 841 Reviews And Safety the Chu family.
Seeing that the other party didn t answer, 45566 Peak Cbd Gummies Price Reviews Benefits And Legitimacy Yu Yanluo didn t care If you don t tell me, I ll see for myself.Up to now, there is nothing to hide from Zaan. If she was caught, her life would not be in danger for the time being.
Upstairs, Bi Ziang s expression changed several times, thinking that this kid is so terrifying Fortunately, it s only about literary talent, I should be able to suppress him
Now he doesn t have the self confidence that he usually has.Jiang Shang was so suffocated that he also wanted to go out and relax.
Zaun couldn t help frowning, he couldn t wait any longer, otherwise there would be problems with the seventh place in the gold medal.As a secret agent, I am not afraid of sacrifice, but I am quite puzzled by this meaningless sacrifice.
Under Yushan. Prince Jinwu hurriedly came to his side and The 6061 Benefits Of Diabetic Gummy Bears A Comprehensive Guide Wycia said Father, that voice is really weird, you have to be careful.However, he immediately lowered his head and suppressed this rebellious thought Going back to the princess, this old servant is going to see where Lord Sang s mission team is.
Now that the Sun Shooting Bow still has the last arrow bestowed by the Heavenly Emperor himself, it is not impossible to kill the Demon Emperor.But you have to look carefully where exactly. When he came to a house, he Finding The Best Cbd Gummy Bears For 10 Enhanced Wellness And Relaxation Dppqs was about to open the door, when the door opened suddenly, and a woman in black suddenly appeared and held a knife in front of him Don t say anything, or I will kill you She Exploring Cbd Oil With Thc The 75 Perfect Synergy For Enhanced Benefits was wearing night clothes, but her graceful figure still betrayed her, especially her long legs became more conspicuous under the tight night clothes.
As soon as he finished speaking, he drew his sword and waved it, and a burst of excitement filled the sky.You are the only one who tells me. I m good at shooting the king Without the presence of outsiders, the Little Demon Empress Motive Cbd Reviews A Comprehensive Analysis Of Effectiveness And User Satisfaction 15313 Ejusy put down her deliberate majesty and looked at him charmingly.
82 Chinese Network. All kinds of lines on the altar lit up, and all kinds of shiny lines extended to all directions.At this moment, Yan Xuehen s star pupils opened, and she glared at him with some annoyance, and said via voice transmission, Stop staring at me Zu an smiled slightly Who made you so good looking.
Who knew it was a disadvantage again, so more and more people rushed over after hearing the news.At this time, Yun Jianyue was so happy that her thighs almost slapped This kid is not bad.
This time, it Understanding The 0490 Benefits And Uses Of Cbd Cannabidiol Gummies was different from the place where King Jinpeng was, and someone invited them in soon.In the early years, because he was not interested in managing the vulgar things of the sect, he gave up the position of Guanzhu to Yan Xuehen, and he devoted himself to cultivating the Longevity Sword in the mountains.
The yamen servants around him all echoed. Your Excellency didn t even read the letter, so how could you know that this is evidence of collusion with the demon clan Unless you fabricated the contents yourself.Initial Evolution At this time, the rest of the people had also recovered, Yun Jianyue directly sent the Changxin Palace Lantern, where the light illuminated, Feng Xi s originally agile figure was indeed affected to a certain extent.
The voice was a little erratic, not as solid as before.Looking at this scene, Zaan couldn t help but admire.
The two sisters in law and sister in law depended on each other during this period of time, and they also showed feelings.New Demon Emperor Yi Shen, There is only one Demon Emperor in this world, where is the new Demon Emperor Although she had already learned the news of the Demon Emperor s death from Zu an, her queen s legitimacy and authority all Where Can You Get Cbd Gummies A Comprehensive Guide To The Best Products On The 86544 Market come from the Demon Emperor, so naturally she cannot Admit that he is dead.
Generally, they rarely get sick. He hurriedly 28 Physicians Preferred Cbd Reviews A Comprehensive Guide To Cbd Products Pkyub quickened his pace, walking faster than Sang Qian, and ran straight to push away Zheng Dan s boudoir.Zu an Caught off guard, he was shown a face. This woman s expression like a little white flower is really hard to guard against.
Zu an looked at Yunan again Why, Tranquil Vibe Cbd Gummies Reviews Benefits Ingredients And User Feedback 69 Mr. Yu doesn t speak, is it because he is worried that Miss Nanxun will help me cheat Just kidding, Miss Nanxun is so beautiful, how can she help you cheat, so please ask Miss Nanxun to write a question.I m still a child Hongzao murmured, although she was old enough to marry, her mentality hadn t completely changed.
Yu Yanluo gave him an angry look, I didn t teach you to hug me.Uh, the last question. What How can you be sure that you will be able to conceive last night Sang Qian blushed, bit her lips and said, I don t know.
After an unknown amount of time, he finally put down the pen Well, the drawing is finished.It s a pity that his current thoughts are all on how to save Qiu Honglei, and he obviously doesn t have the energy to take care of the seventh place in the gold medal.
In addition, there is still some resentment towards his father, let alone let him do what he wants.After speaking, he looked directly at Yanxuehen on the roof.
At the beginning, I was in a hurry and had no experience, Understanding Cbd And Thc Gummies 2529 but I will become proficient soon afterward.Yu Yanluo was stunned after hearing his words, and asked with a complicated expression after a while If I really It s Medusa, do you still consider me a friend After living in human society for so many years, she certainly knows the human race s hatred for the demon race, and the image Evaluating The Effectiveness 393 Of Cbd Gummies For Ed of an evil creature like Medusa in human hearts.
Sensing the icy atmosphere in the room, Tang Tian er bit her red lips and said hastily, Well, I can buy my life with news.The expressions of the two of them were obviously ignorant, so it proved that the news had not Negative Side Effects Of Cbd Gummies What To Watch For 811 reached the palace yet, um, they wouldn t overturn when they saw Bi Linglong later.
Azu is face blind. In his eyes, she must not be much different from other women.The morale of Habayashirou immediately boosted. On the contrary, Dong Jin s expression is much uglier, but the matter has come to this point, he can t raise his hand to surrender.
Zaan was confused, thinking of her What s the matter, why did you suddenly become shy But time was running out, so he didn t delay, and quickly sneaked out from the secret passage in the bedroom.The words were divided into two parts, and Zaan was walking on the streets of Yunzhong County with his horse.
Zaan handed over the box Yes, it won t work after six hours.Nonsense, those quack doctors have no ability to find out the cause of the disease, but they use such ridiculous reasons to prevaricate.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.