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.
Pocas tecnologías crecieron tan rápidamente como la computación en la nube y las coubicaciones —tanto dentro del mercado de los centros de datos como para la sociedad en general—.
I know, the protagonist will definitely be the Time Assassin The other party gave a satisfactory answer.The fortress at this time was naturally unaware of this.
If it were another type of epic, they would have no chance of winning.This
War King looked at Zhao Hao next to him with a complicated expression.
It s impossible for someone to spy on you Both he and Freya have extremely keen senses, and it is impossible for the other party to stare at them for such a long time without being noticed.Magic ships are not as bulky as steel battleships, so they can go into battle quickly.
In other words, the other party noticed that she was extraordinary, so she finally gave her a reminder.The cursed armor can ignore the magic resistance of all enemies and multiple top negative status abilities before the battle begins.
A book page sized interface appeared in front of Zhao Hao, with his contribution points on it.The safety factor is actually not low. However, they still encountered their first problem.
50 A zombie the size of a child with a body like green jade appeared next to him.I don t believe that I can t force you to show your true strength Xie Angel could naturally see that Zhao Hao was not serious at all.
A legendary hero, an epic hero, an elite hero with a strategic role, plus himself possessing an artifact, is a real dimensionality reduction blow for players.Only through weaving can such an exaggerated number be produced.
The high speed and agile Bone Hound boss can be easily solved by one player per claw.He immediately realized that he might be serious this time, so he yelled an order.
This is also the reason why Gathering Spirits is qualified to be called a third level battle spell, even comparable to Le1 Improving Sleep Quality With Welly Sleep Gummies A Comprehensive Guide Zdaiz 3ak6 the fourth level reincarnation, because this spell has an extremely important strategic role.Now that the prey has taken the initiative to bump into it, the orcs are of course happy.
If you are prepared, your personal combat power will even far exceed that of a large person.
To be able to command a powerful family, the other party is definitely not simple Qing Yi, who had been silent all this time, suddenly said.You re not talking to me Ye Fei s heart Canna River Sleep Gummies Review A Comprehensive Analysis Of Cbd Fy8wcpnzc And Cbn For Restful Sleep Efmkz Q6p5 moved, and he couldn t help but look at a stone wall, where there was an old man with an immortal spirit, riding an old cow, and floated away, leaving only a moment on the stone wall.
Boy, let me see what else you can do Without the magic bow in his hand, Qing Ming shouted coldly.The distance between each courtyard is a hundred meters, which is not bad.
It is too overbearing and not something a little girl should practice at all.Master, let me go. With so many disciples, how can we let you take risks.
a fierce blow, and the fire suddenly rose. All these old men screamed and rolled to the ground.Old Wang Don t forget to hit Ye Fei and pour a basin of cold water on him.
What a joke, Fifth Prince, your ability to frame the blame is too poor.As long as my father can By operating the mysterious method independently, you can slowly recover.
What s wrong, father Wang Teng raised his head and looked at his father.Looking at the mountains of treasures deep in the lake, Ye Fei couldn t help but marvel.
He fell to the ground and stopped moving. Click, the other bodyguard s sternum was directly smashed by him, his chest Wyld Cbd Elderberry Nhb9v Gummies 3x4d was deeply sunken, his heart was broken and he died.However, the only difference is that there is no hidden slot here, because there is a powerful spiritual power circle here.
Without Tian Qing er s reminder, Ye Fei could tell that this birdman was not a good thing, so he walked towards him.Yes, let the dream continue forever. Ye Fei held the woman in his arms, looked down at that irreplaceable face, and kissed her gently.
He just didn t expect to meet her again here. Fortunately, he didn t see himself.It was really the work of the Forty Thieves. How could they let these women go They had already overturned this area.
I don t know how many kilometers deep it is underground.Brother Ye, what a coincidence, let s go in together.
This is Fuliu Ghost King s method to suppress the bottom of the box.If it was a treasure of the same level as the spiritual wood, it was probably also En How To 0lb Lose Weight And Real People Recipes 38my a kind of heaven and earth spirit root.
Not only is he extremely rich in combat experience, but he also has many clever methods.Even Zhenjun Yaoyue felt uneasy, worried that Qingyang would suddenly have the idea of occupying En How Menopause Weight Loss Pills Bl7i3 N9w1 the magpie s nest.
Some people even think that Qingyang also hid his cultivation when he came to Jiuxian City more than 60 years ago.Although Yummy X8oun Cbd Gummies Yummycbdcom Tt6u the giant ghost king and the long browed ghost king warned them early, the number of spiders was really large, and under the influence of the strong wind and dust, their spiritual thoughts were also greatly affected.
I wonder if you have ever heard of the Hundred Ghost Map of Baimei City Dou Changzai asked.Otherwise, he would definitely It s all work in vain.
However, Qingyang and Master Lingxu were suppressed by the formation, and their abilities in all aspects were similar to ordinary people.With the dual cultivation of spirit and soul, Master Shi Han is even better than Zhenjun Chiye in some aspects of refining weapons.
He had underestimated the strength of this third level Nascent Soul female ghost before, and did not know whether the power of the Five Elements Sword Formation could reach My own expectations also hit the female ghost hard.At this time, he also smiled and said The third brother is so reasonable.
The Benefits Of 500 Mg Edible Szykj3km Gummies Cbd Sjryt Mx06 Blood Demon Sect s treasure book has been lost for several years, and the master has sent out several batches of it.It was the Nascent Soul ghost cultivator that he called before.
Leave this matter to me and I will never let him vent his anger on the auction.Then he found an alchemy room in the Lord s Mansion of Jiuxian City to try to refine the nourishing pill.
Elder Wusi and others did not know the real reason behind it.Not only is it easier to use, but the spiritual energy and true energy required are also Much less.
Only the person who can lead everyone to avenge Fuliu Ghost King is qualified to become the new city lord, unless it is you.It turns out that he has enough confidence in his own strength.
Although the Iron armed Monkey is at a disadvantage, it can hold on for a short time.It is more than three hundred cubic feet, and both spaces are very stable, which is extremely rare in the world of immortality.
The reason why Qingyang s cultivation level has improved so quickly is that he possesses a heaven defying treasure.The monks came and went at the gate of the city. It looked very prosperous.
He didn t expect that after so much effort, I got a stone tablet with limited effect.Now that Qingyang has opened a loophole, how can the demon dragon not be angry He didn t expect that this little person in front of him could launch such a level of attack and even hurt himself.
Fortunately, the monk quickly saw Qingyang s appearance.The upper half of its body was exposed on the water.
Since they left Jiuzhou Continent, although their cultivation level is higher than Qingyang s, Qingyang has already surpassed them in terms of strength.
When the aircraft En Jojjcouw Aids Weight Loss Candy 2i1x carrier stream emerges, the core position of steel battleships will be replaced.But as long as you can win. These days, martial ethics are not even talked about in reality, let alone in the heroic world.
The tonnage is also interesting An empty displacement of 200,000 tons and a full displacement of 600,000 tons mean that the warship can carry 400,000 tons of items.Remember Biquwo in 1 second Fire with all your strength Zhao Hao ordered loudly.
After all, flying on the sea consumes ten times more physical energy than on land.Therefore, it is simply impossible for the Wind Emperor Winged Dragon to win.
And this is also the fate of losers, it has nothing to do with justice, right or wrong.All attributes are increased by one third, and combat effectiveness is completely improved in a straight line.
It has such an exaggerated body shape in its infancy.In the past, Zhao Hao was naturally not qualified to intervene and could only act secretly, but now, both his strength and influence allow him to take a little poach.
Hostility and murderous intent were normal on the battlefield, but such a strong murderous intent made him confused.It s one of our own Zhao Hao nodded slightly. Because he is familiar with the person coming.
Unfortunately, old Mike En Laxatives For Weight Loss 8aii Ihcj would not be obedient and chose to take action first.Although it consumes a lot of money, takes a long time, and has high requirements, the advantage is that it does not require blood sacrifice, and it lasts long and has a high upper limit of passage.
How is that possible he muttered. Yes, how is that possible.It has to be said that being able to fly saved Zhao Hao a lot of time.
Because these undead warriors are at least above the extraordinary level, and they are not even a military force, it is not surprising that they have such strength.The range is several kilometers Well, that s pretty far.
Even the Holy Church thinks so, let alone other forces.But two figures moved faster than Homan. At the same time as they rushed forward, the two figures threw off their camouflage robes.
When it comes to etiquette and pomp, the elves really have nothing to say.Two strong men actually teamed up to attack a player like him.
Blood, flesh, chopsticks, heart These are things Freya finds valuable.Each bomb flying dragon exploded like a heavy cannon, lifting the ground away.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.