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 Cumbre 2017 del FIT es el único organismo en el mundo en donde se reúnen los Ministros de Transporte de casi 60 países. Se tiene previsto que el titular de la SCT emita un mensaje y un discurso de bienvenida en la recepción presidencial.
Información disponible en todo momento y lugar, menores costos, mayor fiabilidad y, principalmente, flexibilidad son algunas de las ventajas que brinda la computación en la nube.
It fell 0. 61 percentage points that day, and the market index fell.565 billion yuan, a year on year increase of 50. 72 , the total assets were 3,064.
The University of Agriculture and Forestry received the news and attached great importance to it.Wait, even QQ very has exhibition games. Speaking of which, several Goose Factory games such as CrossFire and QQ Speed entered the WCG competition, which once caused a lot of controversy among players in the e sports circle.
Foreign investors will either stop playing and don t touch Galaxies.Eight months have passed since the start of construction.
Well, it s not much at all, it s mainly just making phone calls and having sex and so on.If they really want to reconcile, they will definitely have reservations about each other.
All those who were invited came without exception. And they are all extremely excited to receive an invitation from a giant like Star Capital.1 trillion yuan more than the national fiscal revenue last year, or nearly 4.
When the production capacity is further improved, there will be epic price cuts, which will kill the European and American peer manufacturers.Yu Qiu was still there. You are in charge of the Natural Science Foundation and are one of the people who have access to the core secrets.
After waiting for a while, Yang Guang came to the president s office.Taking advantage of the current trend, with so much liquidity pouring in, it is impossible not to take advantage of this opportunity.
On Friday, November 25, the person in charge of Qunxing Capital came to Ma Gaoyuan s city and met him that afternoon.He talks about what he can talk about. If he can t talk about it, he just ignores it as if he didn t see it.
It looked like he was giving advice and talking eloquently.But the news was quickly debunked. Chen Yu directly posted a Weibo post on his personal Weibo denying the market rumors, and firmly stated that there would be no plans to reduce holdings in the next ten years.
Even though Apple s sales in the Greater China market have doubled this year, the absolute sales volume is actually not as good as their internal expectations.Crazy, crazy, the media sector is really going crazy The sector has soared by more than 7 points, this is crazy
It s too short, it s so uncomfortable. I am chasing the high at 67 yuan and I am cutting meat at 40 yuan.
Otherwise, not counting the potential value of the industrial chain, the sky high investment of more than 70 billion or even 100 billion will still be in vain.58 times. After the financial report was released, the latest price to earnings ratio dropped directly to 7.
brush The face of the woman in white, Ye Fei s master, changed at this moment, her figure instantly shrunk, and several phantoms suddenly appeared.Pfft Suddenly his smile suddenly stiffened, and a bloody sword tip appeared in front of his chest, and the female disciple ducked out from behind.
He shouted, after all, he is a strong man in the four realms of Shen Zang.In the purple bamboo forest, Moya stood quietly like a blooming rose.
So that s how it is
Murong Xue finally understood. Just like Ye Fei taught her the willful grappling skills, she has already practiced them well.It s settled. Choice Cbd Gummies For Ed Reviews Making The Right Emernt Choice I m sorry to bother you all. The Dongzhou event is over here. Everyone can disperse.
No, I will throw you into the depths of the Ten Thousand Beasts Mountain Range and let the beast accompany you well.Ye Fei breathed a sigh of relief and said seriously.
The next moment, Ye Fei, who was lying on the ground above the underworld, slowly opened his eyes.The inside of the body, muscles, bones, meridians, blood and even the nerves in the body, in short, everything in the body is presented in front of him like a picture.
Later, the family declined. until Yao er s generation embarked on the path of cultivating immortals again, but he never thought Speaking of the sadness, the old man shed tears again.Taking a deep breath, Ye Fei s spiritual power circulated along the unique meridians in the body and began to evolve.
Liu Qingyang almost revealed Ye Fei s identity as an alchemist when she opened her mouth, but she was worried that Jiang Yulang would compete with him, so Vigor Vita Cbd Ramshklf Gummies For Ed Reviews Effectiveness Analysis she stopped talking.I don t know how this young man offended them, but he actually issued a death order.
From the depths of Chaotian Que, the voice of the Way of Heaven came.It is the main material for refining star warships and Ji Dao holy weapons.
Brother Ouyang, thank you for today s business. Finally, Ye Fei looked at Ouyang Tian and smiled.However, ten days ago, she called Master and said that Ye Fei had gone down the mountain and she was looking for him.
Liu Blue Vibe Cbd Gummies For Ed How They Enhance Mood And Performance Ngvgem Qingyang said a little embarrassed. Hmph Jiang Yulang couldn t help but wipe it off and rolled his eyes at Liu Qingyang.Please let me go and don t kill me Aunt Li, the nanny of the Murong family, was pale at the moment, huddled in a corner, trembling all over, looking at the person standing in front of her A black masked man begged bitterly.
When he had a conflict with Wei Guangde, this person still spoke out, so Ye Fei had a good impression of Chi Long.The next moment, Ye Wushuang s figure appeared in the abandoned Danxia Garden of the Ye family.
There were three parts in total. He still had the last part, so he didn t dare to be careless anymore and concentrated on refining it.If you activate them all, you won t be able to bear it.
All resources revolve around her, and her strength is unfathomable.She arrived at the scene and took pictures of it. Is it them At the scene, Ji Shan, Jishui and Ye Fei naturally knew Do Smlxhu Cbd Gummies Help With Ed An Investigative Report each other.
Her combat power has more than doubled. If she encounters that Yin Sanniang again, Wu Juan is sure to kill her within ten moves.The immortal in Ye Fei s eyes was easily killed by a roar, which surprised Ye Fei.
In the Ziwei Star Territory, such a realm, placed in some sects, is not even considered a disciple within the sect.Instead, he changed places, adjusted his breath and meditated, and had a battle with Yulin.
Ye Fei nodded and responded one by one. Okay, let s go back.Li Gui I Male Enhancement Pills Increase Size What You Need To Xwrfvhel Know ll let you die again Ye Fei rushed towards the green faced and fanged Li Gui like crazy, using the terrifying Saint Slaying Sword Style, Yuan Magnetic Spiritual Power, Dragon Elephant Nirvana Forbidden Technique, and Dragon Elephant Alien Attack.
The most powerful opponent actually blew himself up, which Ye Fei never expected.The entire Ziwei Star Territory is extremely vast, with countless primitive mountains.
Golden elixir monks can fly freely, while Proper Cbd Gummies Reviews For Ed A Thorough Examination Of Their Effects Ote foundation building phase monks can only fly at a height of less than ten meters.This time, the Intelligence Department of the Ten Thousand Beasts Sect quickly received information from the Yuqing Sect monks.
However, no matter how many resources there are, they can be disposed of through the channels of Zhongzhou Commercial Bank.He quickly added spiritual energy from his natal magic weapon ibz15.
It is far more than his current natal magic weapon.The gate of Jianyi Chongxiao Pavilion was not that far from the coast.
However, it is extremely difficult to take advantage of this glimmer of hope.The two great monks of the Baidi Sect activated their strongest state and integrated into the formation in the form of Nascent Soul.
You must know that Li Yuanba has practiced the sword body.This is the combat instinct of the mid stage golden corpse, which will prioritize the elimination of the enemies that pose the greatest threat.
Even if a brain is traumatized, the brain can only rest for a period of time at most.Countless electric lights scattered from the hit area, rendering a large area into a strange flashing area.
Especially the combat power, you must know that Li Yuanba killed the sword cultivator elder of Tianxing Trading Company.The two great monks walked into the Natures Boost Cbd Gummies For Ed Boosting Confidence Naturally Yunnmjb hiding formation, took out their contact cards, and began to contact the intelligence personnel left behind in the East Qi Continent to inquire about the latest information on the East Qi Continent.
Why did you still come here Li Shiming s brain Best Overthecounter Male Enhancement Products Ywlzzvlx A Comprehensive Guide has been focused on the three great elders who were chasing him.But it s a pity that the end is the end. Under Li Yuanba s precise control, there is not even a trace of healing energy.
Although there is no explanation on this point, every sword cultivator is aware of it.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 Qsfdhtkti Sex Gummies For Men Enhancing Libido same.
Although Li Yuanba only scanned the Sword Intent Monument once, the unparalleled Sword Intent contained in the Sword Intent Monument still affected him.He didn t ask Li Shiming about the howl just now. Since Li Shiming didn t take the initiative to talk about it, it was Li Shiming s secret.
Something strange happened. The five mid stage golden corpses entered the formation in a flash.Li Yuanba never left the team of Sword Intention Chongxiao Pavilion.
If you want to handle such a large amount of goods, it is impossible for Liu Ziyun not to know about it, so it is better to say it directly.His cave is not compatible with sword cultivators like us Wu Qi shook his head and replied.
It will take a long time to slowly remove the pollution.Jian for some points. He believed that as long as they put it forward, Mr.
He placed the Glazed Golden Flower in the soil on the ground of Bansheng Cave, and then with a slight movement of his mind, the Glazed Golden Flower Condor Cbd Pbeb Gummies For Ed Assessing Their Impact On Sexual Health differentiated into countless flower strains.However, he has practiced the Shen Eye Power and has no such impact.
But every monk understands that the Baidi Sect will never let go of the great monk Luo Pei.There was no one around at this time, so he tried to radiate his sword intention.
This Buddha s intention is not an ordinary Buddha s intention.Yuanba, I agree to help Daleiyin Temple There is no need to explain the reasons.
Fortunately, some monks have discovered that putting the Hell Resisting Crystal Essence into Stimuli Rx Hemp Gummies For Ahangv Ed Understanding Their Popularity And Performance a medicinal liquid can slow down its impact on spiritual objects.The Ten Thousand Swords Peak was above his head, and because of his speed, a river of swords composed of ten thousand energy flying swords was formed behind him.
Knowing that one sword can break all laws, and actually having the experience of breaking all laws with one sword, are two completely different experiences.He activated the Demon Ears and combined the sound wave power to issue this drink.
Junior brother, if you fail the Qingli Wuyun Pill , you will fail.Upon hearing this answer, the criminal monks looked at Li Yuanba with awe.
Cangqiong Trading Company considered the eventuality Everything You Need To Hsxptjf Know About Ed Gummies Informative Video Guide after the Yuanying sword cultivator from Sword Intent Chongxiao Pavilion escaped.Although Sect Leader Ji was born in the dragon family, when she reached the sect level, her vision no longer focused on the factions within the sect
Li Shiming s courage to take on the sect s alchemy task, coupled with Master Jiang Hong s evaluation, made her focus on Li Shiming.
After taking the elixir, his spirit was lifted, and the Yuanying in his body seemed to be full of vitality, and a steady stream of spiritual power was sent out from the Yuanying.The Great Monk s Spiritual Pill taken by the Great Monk Luo Pei was the finished Great Monk s Spiritual Pill that Li Shiming and his clone Li Yuanba despised.
This can be seen from the fact that Li Yuanba always summons five mid stage golden corpses to protect himself when fighting.As for sending other great monks, after research by the two superpowers, this plan was rejected.
Although it has not been able to fully meet all the needs for the cultivation of the great monks, it is only a matter of time to accumulate enough high level elixirs for the cultivation of the six great monks required by the great monks.The fourth grade elixir, which is extremely precious in the eyes of ordinary monks, is extremely easy to obtain from Li Shiming.
He passed by luck, but because I was very poor in other aspects except Shenzu Tong, I have always been in the temple.Once I find out, I will personally pick him up Brother Lou shook his head and said.
Wan Jianfeng was sent out of the computer room space and fell into the hands of Li Yuanba.They made eye contact with each other and seemed to be pleased with the success of the plan.
But in the world of cultivating immortals, in addition to the power of the fourth grade Prime Cbd Gummies For Ed A Detailed Zlni Review top magic weapons, there is also the blessing effect of the monks special abilities, which is the most terrifying thing.But when his consciousness locked on the lotus, he found that the lotus was tightly connected to the entire space and could not be removed at all.
You must know that the location of a monk is not fixed, and he may leave the place at any time.Junior Brother Liu, Dong Qi is developing well. You have trained another great monk.
Terrifying energy swept through Feng Qian s body, and his Nascent Soul did not escape the impact of the terrifying energy.Therefore, if you want to surpass Li Yuanba s Shenzu Tong in terms of speed, you need to use other means.
In order to facilitate contact, they have always kept in touch.The sword cultivator s side is a little simpler. They just add defensive spells to themselves.
In addition to the powerful attack power of Lingbao, the power of the Lingbao Xingyi Sword also has the Chaos Sword Intent attached to it.I can only refine the third grade junior and intermediate elixirs in the later stage of the golden elixir, but the chance of reaching a full elixir is very high Li Shiming said very modestly.
He did not expect that after so many years, he would actually collect all the five elements magical powers in the world of immortality and have the opportunity to practice the Art of Heaven and Man.Wu Qi has recovered The first to recognize him were the monks who were already in the base.
Of course, each super power will leave two mid stage Nascent Soul monks as the defense force of Evaluating Cbd Gummies For Ed Reviews Ratings Zglh And User Experiences the space gate.With the help of IBMz15, he can easily perform instantaneous calculations of terabytes, terabytes, or even terabytes, which is unmatched by any monk.
There was no news about Li Shiming before, which made the great master of Yuqing Sect extremely angry.What s the matter If you can use me, just ask Uncle Song asked anxiously after hearing this.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.