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.
Resulta tentador saltar directamente al diseño de la cadena de suministro verde; sin embargo, el éxito a largo plazo depende primero de sentar las bases adecuadas en cada eslabón que la conforma.
The little guy became more and more aggrieved as he spoke, his mouth flattened.She envied Xiaochen for having a father, and envied Xiaochen s father who was like a friend to Xiaochen.
I ll change them later. She said it loudly on purpose, as if she was speaking to someone.Gu Ruoyi saw both hands reaching towards her, as well as those two pairs of twinkling eyes, looking forward to it.
Li wasn t around before, he sat aside very obediently.
But since Mrs. Li came back to us, he has become more like a child Li Shaoting stared at the little guy in his arms.The little guy turned to look at Mommy, staring at her expectantly, Mommy, when will you and Daddy give me a brother and sister He suddenly changed his mind.
Even when he stands up, he is very charming and masculine.She wants to rob other people s children. I have never seen such a shameless woman.
On Li Shaoting s side, Go back and tell your Master Ninth for me.I have something to do, so I didn t come back. Don t worry, your father won t abandon you.
When she arrived, she looked around and found that except for the crowds of customers, she didn t see the little figure at all.Mrs. Li, where are you I felt a little unwell, so I came to the hospital myself.
He felt that he had fallen into her hands in this life and could never escape her grasp.He was so exhausted that he didn t sleep for an hour or two, and even asked her, the mother, to play with him.
Is it cold But when I woke up and saw Mrs. Li s sleeping face, I felt so hot all over He didn t know Understanding 48 Cbd Gummies Benefits Effects And Usage why he had the urge to want her just by seeing her.Sign it He responded neatly. After all, what he saw was not the current profit, but the market here.
how. He was the one who held my hand just now Gu Ruoyi also wanted to list the evidence of her crime.
I don t know. Song Guangjiong shook his head, But that s not important.Now he just showed up and didn t see anyone, which made him feel very uncomfortable.
Anyway, I have begun to accept it. As time goes by, They have adapted to it.It s impossible that she can t notice it, right You may not have heard clearly just now.
They should stay The 716 Impact Of Cbd Gummies On Weight Loss at the old man s house for one or two days and have a deeper exchange with the old man before heading deeper to find the second fortress.After looking at Du Heng angrily, Zhang Shiping said feebly, My good brother, who do you think are the people who can help my dad Which of these people is not surrounded by a bunch of experts How can Determining The Correct Cbd Oil Dosage For Pain 233 Relief A Practical Guide there be such a person , that is already a big deal.
This old boy is not a good person. Director Shi also saw Du Heng s eyes, and a blush suddenly flashed across his face.But he is no longer a rough young man. After realizing that there was something wrong with his mentality, he quickly made adjustments.
Said, Manager Kang, you are not talking about the patients who can delay the symptoms, are they the patients in the severe and acute stages Kang Zhirong was extremely angry.How easy is it to make money Now you can t even help someone when they re in trouble Nowadays, celebrities evade taxes by millions, tens of millions, and hundreds of millions.
It can be used anytime and anywhere, and it is easy for others to learn.There are three outpatient departments here, geriatrics, internal medicine, and acupuncture.
Especially the woman who wanted to take action before was even more aggressive in trying to scratch the man.He couldn t even remember how he lay down on the bed.
The reason why I ask you about fire acupuncture therapy and bloodletting therapy is to prepare you mentally, because in the future, in addition to completing your thesis research, you also have to learn from me I have summarized a Uncovering The Truth Cbd Hemp Direct 58 Reviews Reddit set of acupuncture treatments the three way method.He has been reported several times. I m afraid it will be the same this time.
Shao Nan looked at Zhenjun Devouring Soul coldly, and he could tell from a few simple conversations that Zhenjun Devouring Soul was definitely not a good person to get along with.This is Senior You Zhixin.This time our return flight success rate has greatly increased.
Now that he finally sees the target, Shao Nan almost sinks with just one look, which proves that what Xiaocaoer said is true.Shao Nan smiled wryly, it Replace Alcohol With Cbd 930 Gummies Benefits Effects And Reviews seemed that Zi Huang had already seen what he was thinking.
Shao Nan had a hunch that if he wanted to know what the three Void Returners of the Sacred Fire Glazed Sect were planning, he had to enter the top few in the fire control contest.I didn t see the wrong person Why do you still want to practice with me Shao Nan Natures Bounty Sleep Gummies Mg 99417 A Comprehensive Guide To Restful Sleep Bdbsk finally came to his senses.
Shao Nan s words are somewhat reasonable.I suggest going back to rest for a while, and then find out after studying the countermeasures.Get a good enough ranking.Finally win that rich reward.
He is also the first person to discover the shadow, which will definitely attract the attention of returning to the void.However, even so, it is estimated that after this time, you will also enter their attention.
If someone could see clearly what happened in the trap, they would not be able to help but exclaim.Shao Nan pretended to be sad , as if meeting an intimate elder sister, I almost cried.
For the test of the fire of enthusiasm.The void returning seniors of our Holy Fire Glazed Tile School specially refined a special space.Basically, it is something that Xiaocao er can improve the attributes of the colorful haze dragon sword after research.
If it wasn t for Shao Nan s blood relationship with the Flying Sword, Shao Nan wouldn t have known that Lei Jie had indeed struck the Feijian.Judging from his name, he is a master at playing with fire.
Ah Good The three Void Returning Rumeng woke up, not caring why Shao Nan mastered Xuanlei Yuanhuo Formation and how to master Understanding The Benefits And Effectiveness Of Earthmed Cbd 43104 Gummies Reviews the seal, and quickly agreed.But, let me teach you how to be a human being Xie Luo activated a magic weapon of the fan, and launched an attack on Shao Nan.
Zi Huang obviously knew who the Nine Li Sword Master was referring to.It snowed heavily for a whole day and night, and even Shaonan s cave was covered by the heavy snow.
Huh The pressure suddenly increased Shao Nan felt something was wrong when he passed three Fx Cbd Mixed Berry Gummies Benefits Reviews And Where To Buy 250 hundred feet.Shao Nan s most powerful attack, of course, is the secret method to explode the true energy of the entire dantian, but every time he uses it, he will be unconscious for a few days.
After waiting for a long time, almost an hour, the owner of the castle came down from upstairs refreshed.After tossing and turning and kissing for thirty seconds, Li Shaoting finally let go of her.
Gu Ruoyi looked at Mu Xinran, who was so familiar yet unfamiliar, and opened her mouth, but what she wanted to say was choked in her mouth.Covering yourself She felt a little surprised This woman looks like she hates herself.
Regardless of whether she wanted to or not, he directly picked up the little guy, grabbed her hand and Cbd Gummies For Ed Review Evaluating 08105 Their Effectiveness walked into the corridor.You woke up so early, why don t you sleep a little longer I remember that I didn t tire you out last night.
She hated Huangfu Ling for tampering with her memory, and she also hated herself for knowing that some memories were Cbd Gummies For Ed Review Analyzing User Experiences And Feedback 64869 illusions, but she was so awkward that she didn t dare to look at him.Lin Yan complained in his heart. If he had known better, he would not have come to see the child, but he was fed dog food inexplicably.
Gu Ruoyi said softly He nodded and replied. For some reason, Gu Ruoyi felt ashamed to face them.Li, you seem to have forgotten something important Shouldn t you also pick up food for your husband Li Shaoting said lightly.
A lot of emotions flashed through his eyes for a moment, and finally turned into relief, Yiyi, you re back Well, I m back.Gu Ruoyi blamed herself for not participating in the little one s most important moment of growth.
Many times, he wanted to hug her, but he didn t hug her every time.Not far away, some celebrities felt uncomfortable when they saw that the director valued Gu Ruoyi so much, and they sarcastically said Look at Gu Ruoyi, it s different despite her identity as Mrs.
When something happens, everyone becomes extremely nervous.Li Shaoting responded, but he didn t seem very happy.
There are several. These photos are all of Gu Ruoyi.He nodded, got into the car, and drove away. At the door, a woman with a big belly was crying very hard Even Mr.
With that said, he took advantage of Gu Ruoyi s shock and quickly kissed her on the soft lips, turned around and left.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.