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.
Piñatas Aldi y UPS México trabajan para enfrentar juntos los desafíos logísticos y continuar llevando alegría a través de sus piñatas a otros mercados desde su página de internet www.aldimyshop.com
La fabricación ecológica no solo es esencial para abordar desafíos ambientales, sino que también ofrece beneficios comerciales significativos, desde la reducción de costos hasta la mejora de la percepción de la marca y la atracción de nuevos talentos comprometidos con la sostenibilidad.
La CRE y la Coordinación General de Puertos y Marina Mercante designarán grupos de trabajo como responsables de la planeación, determinación, desarrollo y seguimiento de las acciones y compromisos que deriven del convenio.
EY FinTech 2017: El índice de adopción mundial de estas herramientas digitales es de 33%; el BID destaca que en México la creación de tecnologías emergentes creció 50% entre 2016 y 2017.
It seemed that almost everyone nearby who should know about it already knew about Superslim Keto 486mgm Gummies Super Slim With Keto it, and then there were those who were farther away.However, it was too late to retreat at this time. Escape would only lead to a worse death.
Calculate the time , it s time for those trial disciples to arrive.In order to improve his strength as The Day Summer Belly Fat Challenge H4d Key Exercises much as possible in less than a year before the start of the inner court competition, he had already thought of the specific method, so he used that high grade spiritual stone.
Now that I am at the The Salt Control F81 Method A Day Guide To Losing Pounds Safely eighth level of Qi Refining, I am not sure at all about this competition.Your life is not so carefree anymore, how can you be short of wine Seeing that his apprentice was not talking about business, Master Songhe slapped him on the head, then dragged Qingyang away and said, Stop being so verbose, hurry up and get into the house and get me all the good wine you have.
It fell from the sky, giving people the feeling of being overwhelmed by Mount Tai, as if the entire sky was covered.Come and try my Sky Breaking Halberd Technique. Before Tong Yan finished speaking, Fang Tian s painted halberd flew into the air again, spinning rapidly above his head.
Humiliate the Liang family. Liang Yudong was so angry that Liang Qingtian jumped out.It only took an hour and a half to collect all the disciples who participated in the trial.
There are only a handful of them. Next to Master Qiyun is Master Wuyin, who is the master of Tong Yan, his opponent in the inner court competition.even Senior Brother Cai is no exception. Of course Senior Brother Cai knows that Qingyang has a three yuan sword array, but it is much more difficult to drive three low grade spiritual weapons at the same time than to drive five high grade magic swords.
At this time, Qingyang suddenly remembered that when he was in Tujiao City, Boss Hu from the Jinli Gang gave him a jade slip as a thank you for saving his life, which seemed to contain some news about Yinfeng Gorge.Can the Immortal Sect still chase me out Tao Youcheng s aura continued to rise, and soon broke through a limit and reached another indescribable level.
Finding an opportunity during this period, Qingyang tried to release the Iron armed Monkey and the Alcoholic Queen Bee, and found that what others said was correct.When Li Shengbo saw the alcoholic bee busy avoiding the flames, he didn t say much and stabbed Qingyang quickly.
After a fierce battle, the disciples of Qingfeng Palace were defeated, but the Mountain Shocking Rats also suffered a huge blow.After all, what advantage did the human monks have It would be nice not to lose, 4a4zb7 Ww Keto Gummies Combining Weight Watchers And Keto For Optimal Results but even if you win in the end, you will have to pay a heavy price.
Although the foundation building disciples were still fighting against the low level monsters, the intensity was not as intense as before, because they knew very well that the key to victory or defeat was still It depends on the golden elixir monk.Soon, a piece of broken information was passed into Qingyang s mind.
It is much more difficult for Qingyang to deal with two puppets.The small courtyard where Qingyang lives also has a special alchemy room, but the conditions are relatively simple.
The living dead easily dodged and kept catching up.The Mountain Shocking Rat looks like a mouse and is as big as a hare.
After the trial, the Demon Hunting Order is handed in, and the things each disciple gets in the Chaos Demon Valley will be evaluated.Even Wei Yufeng couldn t care about it. He put away his magic weapon and ran away.
After driving away the second level living dead, the passage became completely quiet.But everything around him was apparently calm and no major changes had occurred.
Since he was guarding himself, there was no need for him to go there and join in the fun.It s just that his father, the head of the Liang family, and his eldest brother, Liang Qingtian, are probably in trouble, but there is nothing Can You Lose 97e12qss A Stone Without Exercise The Surprising Truth Revealed that can be done about it.
At the foot of the mountain, you can only vaguely see a few wooden houses built against the mountain wall.Among the children of the Liang family of Liang Yucai s generation, Liang Yudong is the closest to that state, but he is too old and frail, and there is no possibility of a breakthrough.
Gradually, a large area of the back is burned, revealing a big black hole behind it.As long as they operate, their strength is comparable to that of a monk in the middle stage of Qi refining.
Just let it go On Sheyang Mountain in the Imperial Capital Area, Wu Juan and Long Yan sat opposite each other, drinking tea and communicating.It s not like they had never seen such terrifying strength, but it could only be seen in the body of a genius monster.
Only by harmonizing your mind and your mind and communicating with heaven and earth can you open the spiritual acupoints of the four poles Elder Wu Dajiang finally talked about the key points about advancing to the four poles.What s wrong Senior Sister Mo A man beside him, tall and slender, looked at the woman with a trace of admiration in his eyes but did not dare to express it, and asked softly at this moment.
Brother Ye Wushuang was furious, with a ferocious look on his face.And once Senior Valerie Bertinellis Stunning Weight 1n9 Loss How She Shed Pounds In Sister Mo knows that you dare to attack me, you will be severely punished
Ye Fei shouted coldly. Tsk, tsk, what are you worried about Senior Sister Mo, Senior Sister Mo, you are so affectionate.
But after shouting for a long time, there was no movement.I remember that in the past, the cultivators here did not practice by absorbing the spiritual energy of heaven and earth.
The earth level alchemy furnace is also extremely powerful.I don t take him seriously as an ant like existence.
In other words, now, he had doubts about the master he had always respected.It is said that after the ancient strong man fell, a terrifying terrain will be formed.
Sister Xinglan, it turns out that you are here. Master Moya is looking for you.Power, isn t it Moya smiled. It turns out that the master already knew it.
Have you seen anyone suspicious here Or something suspicious Senior Brother Hao stared closely into Ye Fei s eyes, silently practicing mystical techniques, as if he wanted to see through Ye Fei s heart.Seeing Ye Fei being so serious, Jiang Yulang also said seriously.
Master An Tian, what happened Standing next to the old man in black was a middle aged man in a yin and yang Taoist robe.One of them couldn t help but sigh. What will happen if a person enters the incomplete world Since there is no hope of finding the third senior sister, Ye Fei has no choice but to Eva Marcilles Rk7t6et74 Weight Loss Journey Pounds Gone From Lbs To Lbs retreat.
When he heard the sound, the wine in the cup rushed downstairs like a river of heaven.Trash is meant to be sacrificed. Through him, you can kill Ye Fei and also attack Mo Xingyu.
This person is dressed in brocade clothes, elegant and elegant, with a somewhat evil look in his eyes.She is willing to do anything for the man she loves.
The white bones can not only destroy the human body, but also the consciousness and spirit of the person, and finally become a member of the white bones and skulls.Ye Fei sincerely thanked him. Junior Brother Ye, I have a healing elixir here that should be helpful to you.
At the same time, the refining materials required are many times that of ordinary refining materials.No monk here, let alone a great monk, could make a mistake in this regard.
Even though isolation circles were arranged around him, he still did not dare to speak loudly.His performance is also different from other mid stage Nascent Soul monks.
The injuries of the great monk Luo Pei have been alleviated again, and the fourth grade high grade healing elixir of the great monk is still repairing the injury in his body.The blessing effect of the Xiantian Jianmu Tree Heart on the Xiantian Yimu magical power is equivalent to raising the Xiantian Yimu magical power by a large level, and the effect of the improvement is unimaginable.
As a sword cultivator, he fought with the half step great monk Xue Huan who had mastered the Invisible and Non magnetic , and killed him in the battle.The secret method of Sword Intent Climbing to the Sky is used, and the spiritual power in the Nascent Soul s Dharma Form continuously enters the Four Characters and One Sword.
We can exert 70 of our combat power Brother Teng clenched his fists and replied, feeling the condition of his body.Even if he had some means to save his life, he could not escape from here.
Lei Xiu and Sword Cultivator are both professions with the strongest offensive power in the world of immortality.This secret method for spiritual treasures has a method of cultivating the soul of a weapon, which is much better than the method he had figured out by himself.
Li Shiming didn t just stand there and stop attacking.In the past, the entrance to the Hell Cave was too small to allow large scale entry.
Only with the blessing of its own rules, the attack power far exceeded the level of the mid Nascent Soul monks.However, refining the elixirs for more than a month in a row was equivalent to consuming more than a month of his cultivation time
Li Yuanba Rachael Rays Px7t Weight Loss Journey How She Shed Pounds And Transformed Her Health didn t even consider it, which shows that Li Yuanba attaches great importance to Brother Lou.
Xuan Yi was able to withdraw his mind from the understanding of the rules.Just as the great monk flew towards the resource point, but before he reached the resource point, Li Yuanba used So close to the end of the world to go to the Qianrenzong Mountain Gate.
What made him most happy was that since it was a sect alchemy task, many of the fourth grade elixirs produced by the sect were the same.What on earth do you want he shouted. However, his voice could not actively spread out of the cave, and Li Shiming did not penetrate the cave with his spiritual consciousness, so no matter how loud he spoke, Li Shiming would not know it.
Pieces of formation bases were taken out, and layers of formations were laid out.He constantly adjusted the force field lines, otherwise the petals would travel Lifetime Keto Acv Gummies Combining Apple Cider Vinegar With Twz5s8z2n Ketosis through the force field lines to every place within a radius of one thousand meters.
Once Erika Jayne Weight Loss Exploring E84p Her Successful Diet Techniques a war breaks out, Li Yuanba s physical body with all his spiritual power and spirit imprisoned, just a little bit of the aftermath of the battle may make Li Yuanba fall.This preciousness is extremely important for sword cultivation.
His understanding of the Yu Qing Thunder Code is equivalent to the level of the core monks of the Jade Qing Sect, or even higher.It was even very possible that this opportunity should have been given to Jian Wuwei, but it was given to him, which was hard for him to accept.
When your life is really in danger, you can activate the life preserving jade talisman to obtain an escape method blessed by great power.Now that his consciousness was scanning the Aurora Swift Shadow Boat , he found that he was wrong.
It can be said that without the two peak monks, the strength of Baidi Sect and Yuqing Sect will be significantly reduced.Brother Hu and several other monks originally wanted Li Shiming to participate in this grand event, but Li Shiming refused.
I can prove this Jiang Pu said with a smile. Master Li is currently unable to refine the third grade spiritual elixir in the later stage of Welche 0attaua Tabletten Zum Abnehmen Helfen Wirklich Ein Ehrlicher Vergleich the Golden elixir, but it will not be able to help you in refining the elixir Li Yuanba continued.
He also knew that Shi Ruyin was accompanied by the Eighth Level Jindan Master Red Eyebrows.Among the people in the cave, the only person who did not fall down was Heyi Zhenren.
Xiaotian Demon King looked at the Zhuyi Demon King next to him, then at the Qingling Demon King, and then said Since it is It s a fair competition, we don t take advantage of Crouching Tiger City, let s go to the Qingling Demon King for the second game.These were the leading figures of various families and forces in Funiu City, and they were also the top group of people in the entire Funiu City.
Instead, he laughed and said, You are asking the right person.He did not expect that he was so lucky to be able to obtain the rare ice attributed heaven and earth spiritual roots such as the Phoenix Blood Ice Lotus.
Anyway, I have already gained a lot from this visit, so there is no need to waste time here.Now in this situation, we must cooperate closely to defeat this golden elixir puppet.
The more Qingyang thought about it, the more curious he became.As important figures around the Long Eyebrow Ghost King, these two people were quite familiar with Baimei Ghost King.
This needs to be adjusted slowly by themselves and has nothing to do with Qingyang.Is it difficult for any intersection to happen Regardless of what the people outside the ring were thinking, after the alcoholic bees trapped Master Shifu, Qingyang finally had his hands free, so he raised the Five Elements Sword Formation and attacked the humanoid monster.
The long browed ghost king said The giant ghost king is overly praised.After passing this psychological barrier, everyone regained their basic judgment.
In the eyes of outsiders, he is just a rapist who has been in prison.Ancestor of the Zhou family said Little friend Qingyang doesn t know.
He could not see a single figure, not a single village, and not a single trace of human existence.Although there were guards on duty at the gate of Baimei City, no one dared to stop a high level monk like Qingyang.
Fortunately, the location of the Hundred Ghost Map was not too far away.This time the talisman was much more powerful than before, and the power of the attack was nearly doubled.
Qingyang said I Oprah Winfrey Weight Loss Keto Mg2vn9x A Celebrity Journey had no choice but to rise in the Blood Demon Sect.After losing its support, the Qilin Thunder Tree fell directly to the bottom of the pit, but before that, he He desperately released the last black lightning.
Even the Happy Ghost King stretched his neck and looked at the One horned Ghost King, wanting to know what the back up plan he was talking about was.Maybe the appearance of the One Horned Ghost King has changed so much that no one can recognize him anymore.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.