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.
El Centro Estratégico Excelencia se centrará en los servicios de adquisición y contratación comercial de Honeywell e impulsará el crecimiento económico en la región.
Amazon, el gigante minorista líder a nivel mundial, está desafiando las convenciones en el ámbito de la automatización de almacenes. La compañía está trabajando en
Las cadenas de suministro involucran piezas móviles complejas y dinámicas. Para mantenerse competitivo, debes crear un sistema flexible que pueda adaptarse a las interrupciones, aprovechar
Hay una larga tradición de intercambio comercial entre Suecia y México. De las empresas suecas presentes en el país, la primera se estableció en 1904. Hoy en día, hay más de 150 empresas suecas presentes manufacturando, desarrollando y comercializando sus productos y servicios.
The most magical thing was that these large and small white clouds naturally formed petals. Next to her is Leiyu, one of the two lake masters. He was born in the Yao clan, but he was able to establish a foothold in these four small states.Qigu In Wage Line, the fifth character is Guan. So the Guan of a person is determined at a young age.
Don t say let. The ferry boat in his name will give you a ride. Even if Dong Banzhou gives you a mountain ferry for free, it s nothing.Fortunately, they have low hands but high eyesight. They are all chasing Yu Zhenyi. They each seize treasures and divide their martial arts, ancient swords, and Tao.
That s it. Liu Chicheng, now wearing a pink Taoist robe, was simply swaggering around and didn t mind being recognized at all.But when it comes to all sword cultivation and history, it is not necessarily the case. For example, your master only has one flying sword, but all the flying swords related to water magic can be used by you thousands of times.
He heard that Chen Ping an had gone to the blessed land. Liu Xu originally planned to wait. The girl in pink skirt asked if he was in a hurry.Yu Lao KetoIQ Keto ACV Gummies Kelly Clarkson Scam and Reviews, Explained [31ewar6ow]
Shenxian s rich family fortune made Jiang Shangzhen feel inferior. Yu Xuan thought for a moment, then twisted his beard and said If it doesn t work out, I ll go to Tongye Island myself and wait for a few months to see if I can meet this rising star on the talisman path.
Among them, the sandalwood from Pushan is almost as famous as the giant trees in Yuzhang County, Hongzhou, Dali.The twelve of them could freely enter and leave the yamen offices in the capital without saying hello.
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of the Ministry of Personnel, is a very rare exception in the officialdom of Dali.You can choose one under your name. Lin Shou laughed. Shi Jiachun chose the house in Taoye Lane. Dong Shuijing offered a talisman boat, saying that Shi Jiachun was seasick, and asked Lin Yupu, who was more advanced, to help steer the ship.
Later, it was the destiny of water, which would be more or less controlled by Wang Zhu. In short, as long as Dadu was with him, Wang Zhu Zhu could completely transfer the entire central boundary of Tongyezhou to the jurisdiction of the East China Sea by Fusion Keto Gummies Review - Lose Weight and Look Good [o5bkvdz1r]
relying on the surging water flow across the continent.
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are worrying. Then Master Lu has been in charge of this world for more than ten thousand years.When Cui Dongshan looked at Cui Chan, he had at least three thoughts and at most 80,000. Two people each have their own advantages and disadvantages.
Regarding Lin Zhengcheng, a secretive official of the former Supervisory and Construction Department, Li Baozhen only knew a little bit about the depth of the water and the shallowness of the water.Shi Lingshan only cared about being happy, smiling silly. Inviting others to a wedding banquet is even better.
After the water god escort comes to an end, they will all pass through the waterway at the mouth of the sea and push inland with the water.Lu Ying, the chief worshiper of Jinding Temple, had contacted Daquan, but the asking price of Jinding Temple was 30 lower than that of Wanyao Sect.
Ruzhou is a small country. Yingchuan County, Sui an County, Lingjingguan. At the end of the year, it will soon be the new year, and there is another heavy snowfall, and the earth is covered with silver.Be careful when making money and be generous with money. No matter how much your money is, always enter and exit through the front door.
To Taoting, Jincuicheng Qingjia was just a little girl, half of her own family. Because if we go back further in Jincuicheng, there are two Taoist traditions, one is similar to the authentic legal tradition, Kelly Clarkson Shares Health Diagnosis That Sparked Weight Loss [qqq5w4dg2]
and the other is a secret tradition of the side sect.Unless the emperor takes the initiative to abdicate and pass down the throne from brother to brother, otherwise the king of Luo Song Mu will be It was absolutely impossible to go any further.
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as a landlord.Huangling and Xuanyang both have a private residence of Jianxian, which seems to be named Jingangpo and Baihao an respectively.
However, the old emperor chatted and laughed happily with the young and handsome Chen Jianxian and reviewed Liu Yu s case together.This time when we entered the Hall of Valor, we could speak clearly and sit down separately, which would save us a lot of trouble.
But you have to see the cold moon and warm sun to fry your life. It will make you miserable. Hearing this, Taoist Ding sighed softly, It s true that every family has a sutra that is difficult to recite.Stomping his feet, he asked with a tentative smile, Is that possible Gu Can said bluntly, Chief Medical Officer Reacts to Kelly Clarkson's Weight Loss [dzrpdvqup]
It s yours too.
It s a pity that the head of the family only allowed his legitimate children and Ma Che to pick him up, and the rest of the family couldn t see the emperor s face with their own eyes.The person who carved the words, the Zhijiang warrior who fought with Cao Ci in the battle between Qing and Bai, the person who teamed up with Liu Xianyang to ask the sword Zhengyang Mountain.
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Ping an in a certain landscape travel book, and so on. There are so many status titles and so many deeds and feats that one hand can t count them all.
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boy from Mud Bottle Lane, just once.Jiang Shangzhen was also afraid that this notorious scumbag would frighten the two young ladies, so he took out the talisman boat again and went straight to Yulindu in Yunyan Kingdom to find Wen Yu to deliver the letter.
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On the table, on a piece of paper made of slightly astringent material, is written Stay away from upside down dreams.Chen Ping an finally spoke, nodded and said, I understand. In the opinion of old man Yang of the medicine shop, only after ten thousand years, as a pure martial artist, will he have the opportunity to embark on a real road to becoming a god.
After Wei She s visit, another Liuxiazhou great monk, Jinghao with the Taoist name Qinggong Taibao, hurried over.Not only must you not be vulgar, but you must also be unique and elegant. But when writing and being a person, you must not only think about it but He speaks strange words and behaves absurdly, and he does not deliberately attract people with his strange style and ESSENTIAL KETO BHB GUMMIES (ATTENTION) ESSENTIAL KETO GUMMIES REVIEW- ESSENTIAL KETO GUMMIES REVIEWS [5aik5zv56]
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A horse with a green shirt and ten thousand people. Phew, the emperor s hometown was in a hurry. Chickens and dogs stayed together in the same boat.
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pain recently, every time he closes his eyes, does his Taoist homework, and concentrates for a moment, the face of that woman will appear in his mind, her slightly sarcastic expression, especially Her eyes, which were both hot and cold, were so contradictory that Wen Qinqin had to withdraw from his mind every time he started to sit and forget.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.