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.
Considerar todo el ciclo de vida de un producto permite al Estudio de Diseño optimizar los diseños y tomar mejores decisiones de producción sostenible.
De acuerdo con datos del Inegi, las PyME generan 52% del Producto Interno Bruto y el 72% del empleo en México, por esta razón son esenciales para el crecimiento económico.
Microsoft acerca a las personas y a las empresas a la tecnología, y este proyecto en conjunto con Schneider Electric es solo un ejemplo de los esfuerzos que se están haciendo para lograrlo.
Con la actual tendencia tecnológica a la miniaturización, el diseño y construcción de los nanosatélites acelera su paso en México, gracias al talento y entusiasmo de nuevas generaciones.
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to mention the bloodshed The demon sect is powerful and cannot be easily overthrown by you.
The soul binding lock sunk deeply into Master Heyi s body.The underground cave kept shaking, and even some stones fell from time to time, which seemed to be worse than the six golden elixir monks who dug it before.
Whether it is strength, combat experience, or even cultivation, he has slightly improved.Qingyan Zhenjun said As the lord of a city, I must uphold justice for the monks of Qingyan City.
However, he did not expect Qingyang, a new Nascent Soul cultivator, to be able to catch it easily.Qingyang s sword formation here had just taken shape, and a yellow green shadow over there had already rushed forward.
Qingyang had heard a little about these things, but he didn t know as detailed as the ancestor of the Zhou family said.As for the headquarters of the Blood Demon Sect, it is said that it is located in Qingfeng Palace.
However, the iron armed monkey was injured. It s too deep, and I m afraid I won t be able to help you for a while.Seeing the balls of flames burning towards him, Qingyang quickly used his spiritual Monte Reatalk über CBD | Was er davon hält [0Bs_v4FbGAn]
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It is not so easy to break through. Therefore, the expected breakthrough did not come.You must know that in other places, even a Nascent Soul monk s normal annual Delta 10 carts are strong! [o5y55EOobkm]
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Fuliu Ghost King s words shocked the heart of Linglong Ghost King, and a glimmer of hope arose in his desperate heart.It would be flattering to tell people about such an errand.
In other words, nearly half of the casualties in today s battle are , much more brutal than yesterday s battle.With a century old foundation, Youdao is not afraid of wearing shoes if you are barefoot.
The other palace masters walked on both sides of the team, and the rest Everyone was protected by them.The One horned Ghost King knew a lot about Qingyang, and he knew very well that there were still many things in his heart that he couldn t let go of.
The mainland is the only one. If you persist in persisting, you can just watch and deal with it.At this time, Qingyang felt a lightness on his body, Just like the situation that Master Lingxu encountered before, the pressure exerted on him by the ruins formation suddenly disappeared.
There are too many. This is a life saving thing. A little negligence will put your life in danger. Since True Lord Chujiang thinks that 20,000 year old realgar can be used, why do you have to fight with us div After being told his thoughts by the other party, True Lord Chujiang couldn t help but He laughed twice and said That s what I said, but when it comes to one s own destiny and future, no one is willing to give in.
Other stocks in the sector are also rising rapidly, with more than 25 stocks rising by more than 5 percentage points
At around 14 00, the agricultural planting sector continued to rise again, staged a short squeeze, and the sector set off a daily limit trend, with more than fifteen Penis Enlargement Surgery Explained Part 10 Scrotal Surgery [WuU6lMBmqII]
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tax is put aside, the price of Apple s mobile phones will inevitably be high, otherwise it will be a loss for each unit sold, and the high price will inevitably affect sales and the market share will decline, thus offsetting the current increase in market share.
05 yuan, and the current market value is 1,115. 187 billion yuan Many stock investors saw the trend of Xingyu Technology and regretted that they did not participate in the call auction last Friday.When everyone heard this, they couldn t help but look at each other again.
Hua Yongming also knows this very well. Since Fang Hong wants to deploy nationwide, there is one problem that cannot be avoided.This stock is one of the core targets for market rescue after the bull market.
A typical example is that large scale investment in infrastructure projects has transformed domestic high speed rail technology from lagging behind to leading the world, such as UHV power transmission technology leading the world and becoming an industry standard, etc.5 billion, reaching 19 daily turnover rate
At about 16 00 in the afternoon, the data on the Dragon and Tiger list came out, and quantitative capital was clearly on the list.
Players have not yet realized that WCG has reached a difficult stage.The rise is not the time for performance. Wait until the stock market crash for the Galaxy concept stocks to perform.
The cow returns quickly Damn it, Big A had a convulsion today Such a sudden rise How can such a small amount of profit have fallen to such a level that it is soaring Blank Sold out I thought the market would dive higher, but the market rose by more than 2 points.Domestic self research, can we accept this condition Obviously impossible.
Everyone is paying attention to this matter. The CCTV news broadcast room also reported it, making it a national news.It is enough to confirm that it is foreign capital.
For the overall A market, what happened on weekends is a major negative, but for quantitative capital, it is absolutely a huge positive.How to do it will also test Fang Hong s wise decision making as the helmsman.
I m sure I won t hit you again in the afternoon manual funny.In this case, there is a big difference in quantitative capital.
It is definitely much easier to push a stock to the floor than to pull it up.Hearing this, Qin Feng couldn t help but nodded, and then said How should Xingyu Technology deal with Apple s entry Fang Hong The words were concise and concise Strategic and active weakness.
Although the output of these rare metal raw materials is very low, they are used in high end chips, high end It is indispensable in high tech products such as military industry and photovoltaics.If Yixing Video really falls, can other votes be born Laughing to death If you can t beat it, join it The rising logic of this ticket is really outrageous.
Should we close the gate in advance Fang Hong said calmly No, there are hundreds of billions of funds in it.Tian Jiayi nodded I understand
I responded, but not completely. After all, Big A does have its garbage nature.
On Wednesday, the Shanghai Stock Index fell again by 0.Obviously, the other six are purely used to make up the list of the top ten holdings.
The maximum price increase is 44 of the issue price, but this rule does not exist now.The reason why no information has been disclosed to the outside world is because Fang Hong is waiting for the attitude of the senior officials on this matter.
Now it s fun. Da Mao and E Mao are fighting each other.Anyway, it is out of stock every day, just like Xiaomi.
This news is definitely considered earthquake level in the e sports circle.On Friday, January 11, on the sixth trading day of the new year, it did not choose to break through upwards, but made deep adjustments downwards and fell below the shocks.
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7 billion yuan. The performance of the capital market is completely opposite to this, which is beyond the expectations of many investors.On Friday, March 2, the A share market peaked at 2478.
Being able to take back the land from the nobles has made them very satisfied.This is the structure that I have recently researched that is most in line with fluid mechanics.
So fast Harrov was also a little surprised when he saw several bombs flying towards him, and the same sonic boom clouds as those of fighter planes appeared around him.Going to the North requires facing not only the chaos of the evil gods, but also Gustav hiding in the The Best of Bach [quqypjNsviQ]
dark, which means that he may face two legendary opponents.
While speaking, Vittorio was not idle, standing only fifteen meters away from the node, controlling the protective array in the entire mine.Who is playing music here an alchemist asked curiously.
And if the other party can kill Farrell silently, then killing another great wizard is probably not a problem.It s the God s Domain Harrov reacted immediately, but he didn t expect that they had been carefully keeping their distance.
Reporting to the Speaker, my name is Bard. I was
I was an adjutant of the God s Punishment Army
The one armed man spoke extremely nervously. In the past, this identity allowed him to enjoy endless glory, but now he has It became a fatal thing.This tragic defeat is indeed my negligence Although the timing of the Holy See s Crusade Army s surprise attack was very accurate, and the magic that made the entire legion invisible and approach quietly was also extremely special, but if they were vigilant enough, they would not be caught.
In addition, he fell due to unknown dangers after leaving the divine domain.The violent explosion tore apart a dozen knights in front, but at the next moment, more crossbow arrows flew out from the smoke and fire, and together with the holy light impact cast by the three bishops, they broke through the witch s protection and destroyed her.
I just hope that Lydia has driven the fighter plane far enough.He had more combat experience than Linn and was more ruthless.
Unfortunately, I still have some things to deal with for the time being, so I ll leave my thanks for next time.Able to compete. The only good thing is that this plane is very large, and the blazing mushroom bush they are in is like an insignificant stone in the hills, not very eye catching.
Devil, this is the creation of the devil Witnessing several colleagues beside him being beaten into several pieces by the intensive barrage, a prey knight was so frightened that he actually peed.The opportunity was just a split second. Seeing that he was about to leave after eating the ore and the mithril as bait, Raphael cruelly launched the trap he had set in advance.
As they galloped along, a series of beeps appeared in Lin En s mind again.In the ceremony just now, his soul body was indeed damaged to a certain extent, but the benefits brought by promotion are even greater.
If Ella s cultural level is high enough, she can use the same powerful light energy as a barrier to protect it.As for whether the magic power can block the rays, further research and testing are needed
For now, I m just trying to comfort myself
The second thing that makes Linn happy is that although he can t use the Advanced Material Deconstruction Technique to analyze and simulate these radioactive elements, he can still control them simply.
They can t find a way to kill Ella for the time being, and they don t dare to enter the space time gate rashly, so they can only find a way to block the other party s way back first After completing the sealing of the time and space nodes, on the way back, the faces of several people were not very good looking.
It seems that the Tao has boundaries between far and near, and each one takes it differently.He also knows a little about the Miao Miao Sect s Chengxiang Di e Linlang Book.
Huang Xiyin s face showed a hint of worry. This fight that lasted only one breath was extremely mysterious.Even if they are arranged in one area, they will still be sparse and empty.
Jiang Chenglu s eyes moved and said You mean
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The principle seems to be reasonable but according to Chenyang Jianshan s usual style of acting, it is too weak Some.
But now that I have actually practiced it, it is indeed very useful.Huang Maobai said Fellow Taoist Gui The results of the meritorious service have been proven to be correct.
Therefore, he does not care about victory or defeat.Didn t stop either. I saw Bu Zhi looking left and right, shouting Where is it Immediately, he saw her fixed gaze, and soon fell on Jiang Minyi.
But the previous time did not count, because Qin Menglin dispelled this method in advance before he was about to see the fruit.After Wu Xuanxi fell, Su Caicai had been waiting there.
Disturbed by external forces. In fact, the Kong Yun Nian Sword is instantaneous, and its sensing range is extremely far.Use the changes in yin and yang levels to win in one fell swoop On the surface, he took two blows, while Fan Chang and Mengjun each took one blow.
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of consumption, is also integrated in an extremely clever way, increasing the scale of this change.Everyone fled to a small area of a valley, and suddenly saw a surge of water.
The conversation between the two of them eliminated a lot of the tension in the previous fight the other half of the reason was also because the fighting styles of these four swords were completely different from before.The atmosphere is solemn and touching, and even the innocence of blame is implicitly moved.
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purpose, specifically for Fu Ningjin, Wu Xinling and others who had recently come out of seclusion.It is almost a testimony and symbol of one s own Taoism.
These thoughts are not caused by chance and are related to everyone s vital interests, so they are difficult to obtain easily.But at the end of the day, here comes the challenge.
If one insists on the greatest power, it seems that the sword move should be used repeatedly to test whether Dongfang Wanqing can only withstand one move, or whether he can withstand such an intense attack without any damage.Then the strong wind surged. Qihua Xuanzong s sect protecting formation seemed to be shaking slightly.
Tianshi Mouton s eyes moved and he agreed It seems that the future of my demonic path still depends on Shentu Longshu.It is difficult to see the true appearance of this thing until the last moment.
no shortcomings. Dongfang Wanqing had full estimates that Qin Menglin might be able to reach an extremely high level, and there was no surprise at all.If we talk about such a close fight, the opponent can actually use methods similar to VigRX Plus Review: Does This Male Enhancement Pill Really Work? [pFA_R7xwpH7]
the clone method and fake body method, and even he can t detect it until he is close
Even if the gap between the two sides suddenly widens, it won t be so big.
Among them, in the two battlefields where they fought Yu Li and Yu Gucheng, when the two Gui Wujiu entered the battle, they each slashed out a sword, and then the ice sword condensed, filled with energy, and Gui Wujiu himself.Leng Hua secretly wondered in his heart, could it be that he had already planned to launch a big purge, so he had prejudices in his mind Mo Shanghui and others are waiting for a move, and the situation here is beyond expectations, so he is not in harmony Immediately he shook his head secretly.
But the invisible thing is also extremely powerful.No wonder most people from poor families choose to go to sea, while most of the people who are recruited are from well off families and only seek blood medicine at the end of their lives.
The only clue is that this person must have been raised in an area with minimal influence from the existing Taoist system.What if Long Yun goes out for the first battle and faces Dongfang Wanqing I wonder what the outcome will be When the Yin Yang Dao Master saw this gesture, his eyes were filled with relief and a hint of regret.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.