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 confiabilidad operativa no es solo una cuestión técnica. Es una cuestión de liderazgo, cultura y constancia. Las organizaciones más resilientes son aquellas que logran conectar personas, tecnología y procesos con un propósito común.
WCL mejora las operaciones de distribución a través de FCA US LLC para reducir sistemáticamente los deshechos y mejorando la calidad enfocándose en 10 pilares clave técnicos y 10 administrativos.
That sword light was even more brilliant, the whole body was gold, weighing as much as ten thousand gold, like a golden mountain, pressing down.Alright, God, I ll listen to you Immediately, those formation masters lined up in a very neat line.
Hahahaha Restored to its peak state, Tianyouque Gummies Ed Nature For Benefits And Boost Reviews Insights Business Did laughed wildly, his voice shaking everywhere.On the other side, the four peak warriors of the sixth heaven quickly combined to form a formation and rushed towards Lin Xuan quickly.
Even if Lin Xuan and the dark red dragon used super powerful secret techniques, they couldn t help Tian Youque.However, Lin Xuan sneered The apology is not so simple.
Countless black flames danced and flipped and twisted quickly, forming a ten foot high black magic furnace.The person he challenged was not Ghost Li, but the first leader of the Black Wind Hall, Feng Die.
That is the seventh level peak venerable He was slapped away with a slap.The aura of these five people is very powerful, far surpassing that of the previous black clothed warriors, and their bodies exude a violent aura, which shows that they are five nine level venerables.
Immediately, a hole was punched out of the blue giant dragon picture.For a while, everyone was talking about it. When the Duan family learned of this, And Vvr Cons Male Pros Enhancement Pills Sex they were furious.
Lin Xuan didn t pay attention to those Tianjiao s insults, threats and survival.Great Emperor, you can imagine the horror. Understood.
Feeling that gaze, Dong Qian trembled, her face extremely ugly.The Dragon Sword Soul is extremely mysterious. No one knows how much power he needs to enter the King Realm.
Murong Qingcheng s complexion also changed, she let out a coquettish shout, and quickly cast out the starry Ed Gummies Ihqt Bliss Natural And Cbd Benefits Insights For sky armor, covering her whole body, and at the same time, she was crazy enough to push the phoenix phantom behind her.I will give you three breaths of time to think about it, whether it is a key or a treasure, you can choose it yourself.
They thought the matter was over, but they didn t expect Lin Xuan to dare to fight back, Heaven, this guy doesn t know Cbd To Guide Intimacy A For Comprehensive Performance Sex Syvz Gummies Enhancing For Men And The Dong family Could it be from abroad Possible A lot of discussions rang out, they guessed that Lin Xuan was not from the Daxuan Empire at all, otherwise it would be impossible for him to dare to fight back after hearing the reputation of the Dong family.
Only when Duan Yu is rescued can he kill him. At this time, several elders of the Divine Bird Palace also shouted coldly Boy, let Young Master Duan Yu go quickly, otherwise there will be no way for you to survive in the sky and the earth.Hmph, so what if you are strong, you can still stop the three of us.
Worried about Lin Xuan s safety. You want to fight Okay, boy, I will help you However, our battle is not that simple.Therefore, he is not afraid of these poisons. The next moment, he cast the return wind blowing willow sword.
In an instant, Lin Xuan cast the starry sky armor and retreated quickly.On the other side, the dark red dragon took the spirit boat and entered Wllrg Reviews An Science For Ed In Cbd Gummies the extremely mysterious magic pit.
And Tian Youque did exactly that. Not good Seeing this scene, Lin Xuan s face darkened, and then it roared, and the dragon sword soul in his body was spinning rapidly.Everyone in the hall shook their heads and sighed. However, the next moment, everyone was stunned.
Order something Show what Murong Qingcheng tilted her head with a puzzled expression.I saw the dark red dragon explaining that this should be an extremely ancient formation.
Lin Xuan didn t speak. He manipulated the spirit boat to stop and float in the sky, and then said in a deep voice, You guys wait here first, and I ll go down to deal with some things.The aftermath alone has caused the entire void to split apart quickly, not to mention what a terrible fate it would be to be hit head on.
Although they teamed up to create pieces of the king s domain, forming a solid barrier to resist.Moreover, that golden body is constantly getting bigger, rushing towards it like a golden mountain.
He flipped his palm, and a dark green long knife appeared in his hand.The terrifying dragon s majesty spreads across the world.
The next moment, the flame wings behind him vibrated slightly, and in an instant he returned to the place where he was standing.You ve already taken up too much of my time, so let s decide the winner with one move.
And after hearing that, Tuoba Tianfeng s face was also terribly dark.However, Lin Xuan sneered, why, you still have to do something, but this time you are caught, it can t be solved by a piece of Shenjing.
Sensing this terrifying aura, the Wanchu Saintess turned pale.Look, what s his name So, everyone Looking towards the information filled in by Lin Xuan.
After all, he And User Gummies Cbd Reviews Comprehensive Testimonials Ed Gil was the one who was going to be the prince, so why would he take such a risk.So, they looked forward with great anticipation. Beichen, the man in blue, looked at the iron tower like figure in front of him, and then a smile rose from the corner of his mouth.
Such a miraculous sight, they naturally want to worship and watch it.This sword qi shattered the void and directly slashed at the Golden Lion King.
Jin Sanren and Mu Sanren. Sang Hong snorted coldly, and he also recognized each other.Zaun stopped him. I don t know what Master Zu has to teach Pei Shao naturally heard that he didn t want outsiders to be present, and couldn t help but secretly startled, thinking that this guy would not come to assassinate me.
The department has done these errands. Everyone knows that they are the people of the previous leader and will not be welcomed by the new governor, so there must be no one who has really tried their best to investigate their cases, so I thought about investigating them myself.After entering the paradise of the human race, his tone was full of pride.
Sang Qian stomped her feet, hesitated for a moment and followed.Immediately afterwards, all the light in the eyes dissipated, and the head drooped softly, obviously no longer half angry.
Every time before, he was the one who polished or something, and always felt that it was not so glorious.In the early years when we fought against the monster race, the most troublesome thing was It is their battle song of the orcs, which can make the warriors of the monster race fall into a state of madness, and their cultivation and combat power have been greatly improved, causing us a lot of damage.
They wanted to say Gummies Insights Reviews For Biolyfe Eiqhjc Cbd Ed Effectiveness And something, but found that all words were pale.Sang Hong frowned In this situation, Didn t he come to discuss with us Zaun coughed lightly Master Eleven must have his own reasons, but he will guard us silently in the dark, we should settle the matter here by ourselves.
In fact, she has always been very confident in her appearance and figure, but compared with the other party, It s still a bit worse, are all the women of the Yaozu so heaven defying in figure That beautiful woman is naturally Kong Nanwu, she obviously doesn t have much interest in discussing this topic By the way, hasn t that Zu an come to you all this time It seems that you didn t work hard enough that night.
Obviously, this legendary thing is extremely attractive to those who Dysfunction For Cbd Gummies Natural Ed For Reviews Erectile Relief Xorrgq Biolyfe have been to Xiaoyao Tower, Don t worry, that Tang Tian er is yours.Women are very strange, they speak highly of honest people, but they just can t like honest people, instead they like some naughty men.
Nonsense, those quack doctors have no ability to find out the cause of the disease, but they use such ridiculous reasons to prevaricate.The power of this wolf king s pounce, even Zu an s current cultivation Cbd Enlargement Guide And Natural Gummies Bioheal Penis For Insights Iusyfnj level should be shaken all over.
It s not that we don t want to, it s really impossible to teach.Zaan stuffed it directly into her clothes, Now the situation in Yunzhong County is treacherous, and the Pei family wants to marry you to someone else, one more thing Things for self defense are also good.
Zu an thought about what Qiu Honglei mentioned before, and asked tentatively I heard that the primordial stones sent to the court by Yunzhong County are often missing at the border of Yi County.settle down. Listening to his wailing, coupled with the sound of the rattle drum, Yu Yanluo always felt a trance in her head, and her eyes seemed to be open and closed, as if she was sleepy.
Senior Zhuo, if you don t make this matter clear, all seniors are here and found that we are the only ones who came out, so we have to say the same thing in the end.Obviously, for them, it was impossible for them to become a senior with advanced cultivation.
A sword went straight down. Facing Lin Haoming s Enhancement Best Male Comparisons Reviews At Gsm Walmart Pills And attack, that thing didn t have the slightest fear, and even grabbed Lin Haoming with both hands.Accompanied by the shining light, Pinkie instantly felt that she was going to melt under this terrible light.
The river is turbulent and stretches for hundreds of thousands of miles.As a disciple of Buddhism, I should naturally support me Nian Xin took it for granted.
As long as it is not in the existence of the transformation stage, it will never be discovered.After entering, Lin Haoming scanned the cave with his spiritual sense and found that no one else was there, so he asked, Who else is here from the Blood Refining Sect Junior brother, but they have great opinions on you, even if they greet you with a smile, it is impossible for them to really have any deep friendship The boy saw it very clearly.
He grabbed the vial that floated over, but when Lin Haoming opened the vial, his expression suddenly changed.Lin Haoming looked at the fruit of life in front of him, and felt extremely reluctant.
To be continued. The fastest update If Lin Haoming is just one person, the two ask themselves that although one is not Lin Haoming s opponent, there is no problem in keeping their lives together, but now the other party still has such a terrifying corpse.The few people who were chasing after him were not simple people, and naturally they also discovered that Lin Haoming had sealed the entrance with a space crack, which made Tribal Work Blolce Boosting Supplement Force X You Will For This Testosterone them all yell at each other.
Senior, do you have a way to contact the upper realm Lin Haoming asked back.Although this wind wing may have an innate advantage in the wind attribute, it is really shocking to be able to control it to such a fine point.
Under the waving, the wind suddenly blew up, and the sky where the belly of the fish was Uleweqm Do Gummies Really Performance Cbd They Power Enhance Ed For exposed in the distance was instantly covered by a thick black mist Woke up.And when the light faded away, he immediately showed the appearance of an anxious woman.
To be continued
The fastest update, Jin Ling, shook his head slightly and said, After I was captured, I figured it out.Today s incident was probably arranged by Hua Pdndurp Boost Sexual Does It Performance Tiangang long ago.
Although this golden pearl fruit is a good thing, in fact, it can only be used for body cultivators, so it is not very useful for her to take it.Suddenly, like a volcanic eruption, a terrifyingly powerful spiritual energy turned into a huge wave of spiritual energy and spread towards the surroundings.
The demon said, clasping his hands together, two balls of black air floated in his hands, and then these two balls of black air gradually condensed into two black chains, these two chains seemed inconspicuous, but the surface of the chains But there are some faint runes shining.It s the first time I heard the name of fellow daoist.
Xiao Jiuchang continued to preside over the battle, and the two entered the Wanhua Realm one after another.Under the silver light, several desolate beasts with eagle heads and fish bodies were making strange calls, and at the same time, the growths growing on their heads A sharp horn.
Although Zheng Ge is not the strongest among the six preparing to fight, he is certainly not the weakest.Not good This sudden scene surprised the other two battle groups who were already fighting.
After appearing, they immediately flew towards Lin Haoming.Seeing this, Lin Haoming was not polite at all, and directly took away the person s storage bracelet and the flying sword that danced with electric arcs, counting them as the captured spoils.
Because the auction is approaching, the faction came here specifically to find opportunities.Under normal circumstances, Lin Haoming thinks that it is impossible for Lin Haoming to persist for so long.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.