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.
La funcionalidad de gestión del caso en EAM es una forma fácil de hacerlo. Se puede hacer el seguimiento de todas las acciones tomadas y documentar toda la información pertinente de manera que esté grabada en un solo lugar.
El Centro Estratégico Excelencia se centrará en los servicios de adquisición y contratación comercial de Honeywell e impulsará el crecimiento económico en la región.
La Cumbre 2017 del FIT es el único organismo en el mundo en donde se reúnen los Ministros de Transporte de casi 60 países. Se tiene previsto que el titular de la SCT emita un mensaje y un discurso de bienvenida en la recepción presidencial.
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A black giant sword, carrying countless black flames, quickly slashed at Du Kong like hell fire.Every step he takes, the void trembles, the earth splits open, and the strong walkers behind him follow suit.
He was tall, like a giant mountain, blocking the road.When the sword arrived at the rushing sword energy, the black dragon leader finally changed his face.
Then, six eyes Creating 1036 Own High Your looked forward. Sure enough, there was a huge figure, it was Tian Youque.So the next moment, he gritted his teeth and burned his spiritual power, turned around and fled.
After leaving, Lin Haoming did not go to Ming country as he originally planned, nor did he return to Taikang Mountain by the same route.Don t tell you those things. When you gave him a choice, he was doomed to end today.
Brother in law really knows your heart best. In fact, you also know that the old man is aggressive, but in the world of small disputes, if you are too so called prudent, it is definitely a bad thing.But those people were transferred out, which means that some important places to be guarded are empty.
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When the thin woman saw it, she immediately shook her head and said, Yes, it s just that you know where to start, and it starts with history a few years later.Isn t that the unsealed bead Lin Haoming was not surprised before getting it.
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It s up to you to arrange it, so it s most unlikely to be placed in those two positions.In Sun Zan s eyes, since Wang Jiangman fell ill, there are only eight small commanders left in Xiaoyue Kingdom, namely Lin Haoming, Zanglongshan and Jiang Heng.
Shu Yan also smiled and said I knew that when you have children, you will spoil them even more, but this time you go back, Chang an s children Mother, do I have children , asked subconsciously.Dai Wang Xiao Wenchong, who had been in charge Them Gummies Evergreen Heres Cbd Days Take Farms On Tried Stress Management For I 134 Honest My Review of Dai Guo for nearly fifty years, suddenly fainted at the court meeting.
Lin Haoming guessed, whether there are one thousand, four hundred or not.He is a fierce general, but as he gets older, he becomes more stable.
However, after using several things, they were not very ideal.The Wei army who rushed across the river surrendered and only shouted a few times, and the Wei army on the river beach stopped shooting arrows.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.