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.
Existen muchas ventajas al incorporar inteligencia artificial, ya que atienden tres pilares fundamentales: Predicciones y previsiones, detección de anomalías y pronóstico de rendimiento de la organización.
La cuenta regresiva de movilidad eléctrica ha comenzado: 2020 podría representar el punto de este cambio. Volkswagen acelera hacia la nueva era con la nueva generación de vehículos eléctricos innovadores.
En los próximos meses estaremos emocionados de tomar las lecciones aprendidas en este vuelo para continuar el programa Aquila en su progreso y su fin de unir al mundo mediante la conectividad.
For example, the helium element with atomic number two is composed of two protons and two neutrons.Worry. Although the main force of the church has already collapsed, Ella, who has fled outside the territory, is always a great threat.
The people Blue Vibe CBD Gummies: A New Wave of ED Treatment in the eastern part of the kingdom who are in trouble today may be the nobles who oppose the wizards.Not to mention the naked eye, even the perception of the legendary wizard will never be able to touch such a scale.
Harrov s expression twitched, and he reached out and patted Igna on the shoulder.What really makes him happy is the joy of spreading knowledge and being recognized.
Mobile phone code is very slow, so there is only one chapter.Since it is difficult to measure the time flow velocity change at low speed, how can we prove this Dennis asked confused.
If we want to hear sound, we must sense vibration. In other words, we cannot know something without affecting it at all.A temporary BioScience CBD Gummies for ED: User Experiences and Effectiveness wormhole was quickly formed. The Geometry Stars inside the spacecraft entered a dormant state one after another, and the three spacecrafts flew out at sub light speed and rushed into the surging space time node.
Although the battle just Blue Vibe Gummies for ED: Comprehensive Reviews and Benefits ended in a crushing situation, the energy consumption was not a small amount.Many things are pieced together here and there. However, there is no other way.
Munro also had to admit that the assessments of these wizards were very well designed.The black crow also realized that he seemed to have said too much, and immediately closed his chattering mouth.
He was very confident in his elemental purple fruit model, but he had to admit that the ideas put forward by some congressmen were also very interesting.It seems that even magic power cannot fully withstand such a terrifying consumption now.
Forget it, it El Toro Gummies for ED: Charging Ahead with Innovative Solutions s time to let him go Seeing that Harrov was in a life and death crisis, Linn untied the Mobius strip.However, the girl shook her head. She was ready to sacrifice the moment she joined the foreign exploration team.
There was a shocking headline on the front page. Thunder is the ultimate answer to all magic on the internal structure of elements Yes, have you discovered that electrons may exist inside elements Lin En secretly admired.In addition, the uncertainty principle is also proposed.
The new aircraft are the same as airships that rely on helium lift Reviews of Hims ED Pills: User Feedback to take off.Obviously it s not just quality that affects mana consumption.
One shot can be said to open mountains and destroy forests.Seven experimental devices were already placed in front of them.
It is best to find a way to destroy the godhead. Then who killed the powerful Moon God Harrov was even more confused about this question.At least enough solatium could save Official Blue Vibe CBD Gummies Website: Product Information and Purchase Options a family. With these achievements, Ivina was quickly promoted to become the mayor of the Steel City.
The expansion of the domain also caused these undead, who were good at concealment and perception, to become riotous, and they all launched attacks almost at the same time.Recently, several ships have gone to search for new monsters in the sky.
It is impossible for a conservative to change it. Letting the player be cannon fodder is a gift to him.But compared to Zhao Hao, others are not so calm. Gummies for ED Videos: Visual Reviews and User Experiences The dragon appears in the camp, which is a huge mistake.
There are no horse and deer antlers on the outside.If he was responsible for solving the problem, because of the Demon Court s Due to its special nature, naturally no one can find out the truth, and the blame can be firmly placed on the Unicorn Principality.
How miserable Zhao Hao, who was watching the battle from a distance, felt sorry for the Storm Guards, but also wished that they would die more.There are thousands of them, and they look like a dense mass of darkness.
A legendary hero, an epic hero, an elite hero with a strategic role, plus himself possessing an artifact, is a real dimensionality reduction blow for Male Enhancement Gummies with CBD: Benefits and Effectiveness players.Even professionals of the extraordinary level or above cannot withstand a stick.
But regardless of his record or strength, he had surpassed him by more than one step, and the gap in reputation was a bit too big.This meant that even the elders in the future Liberty CBD Gummies: Exploring User Experiences for ED Relief would not be able to see through the vest, so the other party would naturally not be able to detect the problem.
The meaning of this sentence is equivalent to the meaning of the evil devil s crooked way, everyone should stand shoulder to shoulder.It is refreshed every hour when not in combat. Scaryly strong.
It s okay, our guest is on the way Zhao Hao chuckled.If skeleton soldiers were a type of soldier, it would be a joke to get 200 experience points.
Even if the conversion efficiency is only 16 , it is not surprising that it can convert so much.When facing ordinary players, the opponent is worthy of being a strong player.
Letting low level troops besiege is the stupidest choice.In less than a few dozen kilometers, thousands of orcs fell under the sword.
Led by Niu Batian, their team avoided the wide passage and headed towards the narrow passage with no trace of passing.Unicorn beast The twelfth level ace level unit of the barrier camp.
The other party reported during this period that there was a lot of information about Bethatos wooing allies and actively preparing for war, but there was no information about the plane fragments.Faced with this unexpected event, the Archmages were the first to react.
Roar In the sky, four golden dragons were the first to attack.Occasionally, when they encounter some extraordinary and ace level demons, they will take turns to deal with them.
Besides, if it was really that thing, he wouldn t be able to get it in the future.The attack is too slow If the opponent had attacked as fast as Elite Male Male Enhancement Gummies: Pros and Cons the Crystal Dragon, the battle would have been over long ago, let alone the injuries.
Suppression in all aspects Attack, health, dexterity
etc. If they were replaced by giant dragons or the like, these adventurers might be able to survive a few moves, and it wouldn t be surprising if they could even save their lives.Barus is indeed experienced in combat. He did not enter the field recklessly.
But since the name of Lin En is attached, it can be seen that the thing is not so easy Best ED Gummies: Which Brands Lead the Market in 2025? to find.The fighter plane quickly rushed downwards at an angle, and its speed increased to more than 300 kilometers.
The result surprised him. Not only are those wizards willing to spend high wages to buy the labor of the poor, but they will also guarantee them three meals a day.And the premise of the cycle Shark Tank ED Gummies: Breaking Down the Hype is that all magic power is blocked inside the planet.
The great god Harriet would never let him go so easily.In fact, the desk of the Magic Council has long been filled with similar letters.
With the death of the caster, all the ghouls in the village lost their support and fell to the Blue Vibe CBD Gummies for ED: Are They Worth It? ground.The converted speed is only 60 kilometers per hour.
As of today, more than 300 types of Warcraft have been captured, including some powerful legendary Warcraft.Now nearly half of the people have lost the ability to sense electric charges.
Pope Alves fell into deep repentance. He had wavered in the power of the Lord just now Such a powerful magic cannot be Exploring the Potential of CBD Gummies for ED Management easily performed by wizards who Do CBD Gummies Help With ED? Examining the Claims have not set foot in the legendary realm Ella said decisively.The likelihood is also higher. That s because the steel used to make it has poor pressure bearing and heat bearing capabilities.
Before being destroyed, neither space, force fields, electromagnetism, nor sound waves can affect the people within the Green Otter CBD Gummies for ED: User Feedback circle.Towards the galloping Balrog. The scorching flames collided with the extremely cold frozen breath, and the reaction was very violent.
Okay, you go and bring the new saint first Randall waved his hand, and after several people respectfully exited the Sky Tower, he turned to look out the window at the light that seemed to penetrate the heaven and earth.You must know that there is a gap of five thousand times between the purchase price of Uncovering the Potential of Power CBD Gummies in the Battle Against ED: A Detailed Review the wizards and the market price In other words, if you sell ten kilograms of wheat to the parliament, you can only get one copper coin.
The energy shields on the outside of the battleship were torn apart one after another, and hundreds of neutron clusters penetrated into it, violently The explosion sparks immediately illuminated the entire void.The power and greatness of God Bio Lyfe CBD Gummies for ED Reviews: Do They Live Up to the Hype? are beyond your comprehension Only existences of the same level can talk about cooperation.
From a low dimensional Gummies for ED Treatment: Are They a Viable Solution? level, he is dead, and Linn s consciousness is gradually dissipating.The location of the outer core of the planet BioLife CBD Gummies Reviews for ED: Real User Experiences and Outcomes The energy beams of the three Positron Cannons lasted for a full five minutes before they finally stopped
Vittorio also used up all the positrons produced by the anti fusion furnace As everyone watched, the surface of the khaki planet in front of them was covered with dust, and large amounts of magma were erupting from the ground
This was a real doomsday scene She must die now, right Aurora asked uncertainly.
Lin En was thinking about it, but Bud didn t stop. He knew very well that this was his only chance to put aside his identity as a remnant of the church, so he racked his brains to think of any ED Gummies on Shark Tank: Episode Highlights and Product Review useful information, such as the time and space door that had been opened for a long time.The countless giant mountain like heads opened their mouths and overlapped.
Without their help and cooperation, how could those wizards manage such a large kingdom territory The entire kingdom may have been torn apart by the impact of believers and mobs Now it is clear that the other party wants Blue Vibe CBD Gummies Amazon: Where to Buy and What to Expect to burn bridges across the river.It only needs to exert enough force to completely destroy it And what Linn chose was to detonate the earth s core in the most thorough way The destruction of a world Vittorio said with emotion.
The final battle. However, this Captivating Audiences: ED Gummies Videos Explained idea was about to be shattered before it even started.Maybe he can find some help there and obtain More novel knowledge After hearing this, Harrov and the others looked a little embarrassed.
A technique, but the current situation gave him this precious opportunity Two thirds the speed of light, is this already the limit Lynn Biolife CBD Gummies and Erectile Dysfunction: A Synergistic Approach to Treatment waited a few more times.As his mind turned, the four high level undead guards who were controlled by his will quickly exploded.
We are very close to success Lidya nodded excitedly, although Dennis has said similar words during this time.The number of ships is wrong Biolife CBD Gummies Reviews for ED: Real User Feedback and Insights Aurora increased her tone a bit, and then used amplification magic to shout loudly.
They can undoubtedly seize the opportunity No, you don t need to do anything The voice of the God ED Gummies Shark Tank: Reviews and Customer Experiences of Life and Creation sounded again, directly refuting Rupert s idea.Even if Vittorio is no longer completely sure The moment the two spoke, the thunder vortex exploded, revealing the scene inside The rocks on the surface have melted under the high temperature and turned into rolling lava.
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Colored light spots flew out from inside. Performance Male Enhancement CBD Gummies: A Comprehensive Review The so called light spots are only the result of observation from a macro perspective of the universe.The lightning was so fast that even Raphael couldn t react.
After tens of thousands of attempts and efforts, Peiromon went from calm thinking at How to Find CBD Gummies for ED: A Guide to Making an Informed Purchase the beginning to crazy venting and destruction, and finally lost his mind and became hysterical
I can t stand it anymore. Lin En shook his head helplessly, he was screwed before he could try more methods on the other party.
And electromagnetic waves of other frequencies cannot be received by our eyes, so they are invisible You mean that light waves are like sound waves Harrov thought, and quickly understood the meaning of Anthony s words.Should Love Bites Male Enhancement Gummies Reviews: User Feedback and Effectiveness we slow down the input of energy first Aurora asked worriedly.
Linn was very regretful and turned to look at the cage.After all, she was recommended by Lord Gustav. She had sold grain to the parliament on her own initiative before, and indeed found out some useful information, so she simply told I explained the Dr. Oz’s Perspective on ED Gummies: Expert Advice and Recommendations content of the discussion just now.
If they could find If a material can withstand antimatter explosions
Anyway, we can start with nuclear explosions Dennis said excitedly, ready for a big fight at any time, and then turned his head to look at Lynn on the main seat, thinking To win the recognition of this magic star, no, now it should Stimuli RX CBD Gummies for ED: Detailed Review of Their Effects be called the God of Magic However, Lin En ignored their discussion and kept drawing patterns on a piece of paper, frowning and thinking from time to time.
Promoting a legendary wizard requires a lot of energy.What surprised Ivina the most was that many so called experiments did not require the use of magic at all.
Not even you Sean asked strangely. Although he could not fully understand the quantum theory of this magic star, he read it several times.Although the mural Power CBD Gummies for ED Reviews: Analyzing Their Effectiveness and User Satisfaction was somewhat incomplete, they could still tell that the appearance of the two was different
That should be Diana, the God of the Moon Vittorio said the name carefully.
This made Linn extremely confused. He was under the protection of a neutron shield.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.