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.
Este 2018, Panda Express y toda la comunidad china da la bienvenida al Año del Perro, un signo caracterizado por la armonía en la vida familiar, el patriotismo y la lealtad.
La separación y clasificación del flujo de los materiales triturados hacen posible que los plásticos, metales y otros materiales puedan ser reutilizados.
Well, it should be this mountain.It s strange that there is such a dangerous situation inside such an ordinary mountain.Not only Shao Nan here, but several other people are facing the same problem.
When they saw three lights and shadows, all the people watching the ceremony were stunned.Cang Yan Shinichi was a little angry.What can we do Although our strength is good, but the opponent is seven or eight door to door alliances.
Regardless of what other people think.In the Dao Natural Sect, there Fhjaedtkl Cbd Gummies For Ed Review A Critical Examination From A Weight Loss Perspective is a beaming boom.Unfortunately, things backfired.When the late stage Foundation Establishment cultivator who was running away found Shao Nan, his face was overjoyed, he quickly changed direction, and rushed towards Shao Nan.
Then Lan Yin threw down a sentence that the master led the door to practice on his own, Biolyfe Cbd Gummies For Ed Eogptd Reviews Real User Experiences And Benefits Analysis and left on his own.Master this is too Although there were many battles when the South China Sea was advancing rapidly, the pressure was still much worse than that of Jiuli Mountain.
And the forbidden land of the Spectrum Cbd Gummies For Ezi Ed Breaking Down The Benefits magic spring disappeared with the abnormality, and returned to its normal appearance.Only the red light is on to show that someone has entered the leaderboard.
This useless scholar, who faced repeated provocations and humiliations from the Zhengyang Mountain Moving Ape, but had no reaction, closed his eyes, meditated on the third stroke of the word quiet , then stretched out his two fingers together and lightly stroked down in the air.But when the black cat jumped from a roof to the young man s shoulder, then jumped to the ground, turned around, and flew away, it seemed to tell the young man that he had found his target.
The young man tensed up and asked cautiously Mr. Qi, is Liu Xianyang alive Won t he die Qi Jingchun nodded and said, With someone helping me, there is no doubt that Liu Xianyang s life is safe, but the bad news is that he suffered severe physical injuries and may not be able to move as freely as before in the future.
It really hurt just now. I ve had this pain twice before. Ning Yao cursed You can see the flesh on the palm of your hand.Once Male Breast Enhancement Radrej Photos What To Know out of control, there will definitely be a heavy death. Even if it is suppressed and killed, it will still be a disaster.
so small. Cui Chan raised his hand, put his thumb against his index finger, and said, What if I still lose The last few words Cui Chan said were so subtle that they couldn t be heard.How about we try to see who wins and who is right An old man who rarely has the chance to be threatened by others.
Qi, after all.
Mr. Qi continued to move forward, took a gentle step, half smiling, Oh One step later. The face of the maid Zhigui changed slightly. The two of them stood in a place at some point.Suddenly, in the center of the corridor, an extremely dazzling snow white light bloomed, as if the sky and the Amazon Cbd Gummies For Kpxnugagh Ed Top Picks And Buying Guide earth were brighter than before.
Enemies at this speed would be really difficult to deal with if their fighting power was stronger.Even if Shao Nan wanted to play tricks, with his early Golden Core state, he couldn t make any waves.
No matter how fancy the fire control technique is, the ultimate goal is to kill the enemy.Comprehend the field, and even form a baby, it will be much easier.
There is even an extra bond, so that at the most critical time, the nine flying swords are Natures Boost Cbd Gummies For Ed Ksh Industrial Insights And Benefits united together.In the end, he didn t even have the strength to crush the token, and was swallowed by the flames of the testing space.
Oh It s a pity, the energy overflowing just now was astonishing, probably because I didn t control the power well.If Shao Nan knew, it was because he used this secret technique.
All the Void Returners ordered immediately, and the Yuanying Zhenjun who had mixed into the team returned immediately.You Zhixin You survived.It s really doubtful, I know what you doubt.
However, Dacheng Huo Linglong did not directly kill Shaonan, but surrounded Shaonan in preparation for refining Shaonan.At that time, there should be no problem with my cultivation resources.
Master Kusong rarely spoke.Haha Brothers, you really look up to me.To put it bluntly, there is no trick to win.To put it more simply, it is to learn a lot of swordsmanship first, and then find one s own way of swordsmanship among the many swordsmanship.
This kind of thing.How could the five return to virtual true ones admit it.Luangu Dongfu, as the name suggests, was handed down from the Luangu period.
The next thing will be left to us.You will Hurry up and go back to the cave to have a rest, adjust your state, and prepare for the duel in eight days.The terrifying impact even knocked Shao Nan away.All of their bodies rushed towards the fleeing Master Fengliang.
Who took my Wuling Fenghuo Senior Jin Hong actually fell.The Bibo Huanyue Clan in all the villages and towns around Desang City, and some of the Bibo Huanyue Clan in Black Bull Male Enhancement Powerful Results Oidjrqko the three nearby cities, were almost all concentrated in the area Shao Nan mentioned.
I heard that Desan City Do Cbd Gummies Noezk Increase Penis Size Find Out Here is going to hold an illusion exchange conference every 50 years.While driving the carriage, Shao Nan looked through the contents of the three storage bracelets he had just obtained.
What is needed is an opportunity, otherwise Shao Nan would not take the risk to watch this illusion exchange conference.All the diners in the restaurant were stunned.Even Chai Haojie and Wang Ermazi who were arguing paused for a moment, Blue Gummies Cbd For Ed Analysis And Effectiveness Bci paying more attention to Shao Nan s eyes.
Let me tell you the truth.The base of the Bibo Huanyue Clan, it took me more than five months to come back in the White Dragon Breaking Immortal Ship.What happened just now is a lot to say, but in fact, Shao Nan and Xiao Cao er communicated with each other with spiritual consciousness, and it didn t take much time.
The Bibo Huanyue Clan is very similar to Bailong City in that the Library is open, and anyone can read it freely.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.