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 ámbito cloud, en la actualidad, es el hogar de las soluciones más poderosas; muchas de ellas indispensables para poner en marcha una transformación digital.
El Centro AVIN es una plataforma en línea y equipo de trabajo especializado que servirá como punto focal para realizar investigaciones, compartir información, y gestionar el contacto entre centros de investigación.
8. Dai Ruolan s eyelids twitched and she looked at Qin Feng with worry.He has skills and is not someone to be bullied. What s going on Let s talk about what we have to say.
I am not here to ask for help. Within two months, I will come to see you with Guigu Liuli s head.If Qin Feng had the ability to subdue them with one blow and ensure that the two sisters were safe, how could he only drive a car worth 600,000 to 700,000 yuan And Dai Ruoqing was right, whether it was the encounter that day or the chance encounter today, it was such a coincidence.
As far as I know, although you are divorced, , but when he divorced, he gave you 200 million yuan in compensation
When she mentioned this, the humiliation in Lin Wan er s heart surged even more.Although Qin Guanshan discovered his identity at that time and was determined to expose him.
Now, she sat in front of Ye Rufeng and told Ye Rufeng exactly what happened that day.Since they couldn t see the light of day, they naturally tried their best to cover it up, so except for their cronies, almost no one knew, not even their family members.
Only when such a person becomes the sect leader can the sect be united.However, in the third year after marrying his wife, the daughter died of illness.
Fan Bangyan s eyes darkened What are you waiting for Slow down BiquPai.First there was a poison master, and now there was a sword master, and they were all young men no more than twenty years old.
Now it seems that Qiu Qiming wants to let Xiongying s people swallow this meritorious service.come and apologize to me in person. If your attitude is sincere enough, I will consider letting you go.
Xuan Zhenzi was stunned for a long time before he realized what he was doing.It is of great benefit to the growth of the Taoist practice In addition, I will give you whichever of the demon corpse puppets you like.
At the front, the strongest team led by Master Zhou and the powerful team of Dixuanxianmen led by Cui Jing deliberately competed for speed.He has a handsome appearance and Discover the Best CBD Cherry Gummies for Health and Wellness
a tall and straight figure, like a jade tree facing the wind.
If you fly to the sky and take a look, I always feel that where we are is a small island reef, not like the real Dongsang Island.After hearing what Ye Ling said was of great importance, the three women hurriedly injected mana into the green energy of the Qing Ming Curse.
They are the four maids of the Demon Palace left by Palace Master Su after she left Xishan.Ye Ling sneered slightly. If he really wanted to pick it, he would be burned to ashes by the flames Elon Musk Weight Loss: Insights into His Health Regimen
sprayed by the dragon.
Did they die in the sea of fire Lu Binglan and Liang Yuzhu s hearts tightened.it turns out it s you Muhan, you re so lucky You actually teleported to the heights of the Demon Tomb, but it s far behind us If you know what s going on, and you re honestly behind our team, I will naturally not I will have the same knowledge as you.
It is obvious that the old monster Jindan can run much faster than them.Ye Ling asked no more questions and continued to refine twelve kinds of magic pills and practice the Four Nether Demonic Flames.
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The green and black fish demon was immediately at a disadvantage.Where Where did it appear again Siko Tingyan asked in a low voice, extremely nervous, holding the water spirit sword in his hand, trembling slightly.
Said This poisonous corpse puppet, I, the young clan leader, have decided Take it from me, you don t know what you can do Tell me, what do A Battle of Apple Cider Vinegar Supplements: Bites ACV Gummies vs. Competitors
you want On the coast of the East China Sea, there are not many treasures that our ancient fishermen don t have Ye Ling smiled slightly Gold forming elixir Do you have it As soon as he said this, everyone at the trade meeting looked strange.
He never expected that The Importance of Beauty Sleep: How Melatonin Gummies Can Help (EdpYx)
the seemingly weakest cultivator in the middle stage of foundation building could actually have such a powerful soul flag type magic weapon.Ye Ling, Bingdie and Red Fire Green Tailed Leopard did not expect that this eighth level catfish demon could have such an ability.
Everyone went there early and hid in the mountains and forests to watch the excitement and silently wish the young master from a distance.Chuchu The Benefits and Effects of Marley CBD Gummies: A Comprehensive Review (vBXsY)
thought that Cui Jing had trapped Zhou Mingzhao and had removed a big obstacle for them.
Ye Clan for successfully forming the elixir The Golden Crow Clan leader was still excited at first, but 6 Winter Slimming Secrets: Apple Cider Water for Effective Weight Loss
when he looked up to the sky, his expression changed drastically Ah How could this happen When I passed through the small tribulation, there were only tribulation clouds with a radius of several hundred miles but Mr.
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huge body, opened its mouth and spewed out a waterfall of water, accelerating the melting of the ice, crushing the broken ice all the way, and finally rushed near Ye Ling, but it was afraid of hurting the worshiper who provided it with the best spiritual fruit.
As for your He family, my master has not released it yet.Liang Yuzhu didn t say anything. She The Surprising Benefits of Drinking Green Tea for Weight Loss and Bloating
turned around to greet her senior brother Wang Shiyuan, but saw that he was absent minded and distracted, as if he was sensing something.
Let s turn our hostility into friendship, okay No Wing Fire Witch said simply, turning around fiercely She glared at him Sleep Well Gummies Walmart: A Comprehensive Guide to Better Rest (jwFoH)
Humph Don t do this, you have offended this witch, you are dead Now that you know it, you are afraid, and you want to take it back It s too late When the Winged Fire witch left, she murmured a curse.
After seeing this, the old catfish demon felt ashamed and said in his heart The giant whale s water ball technique is superb.She heard her cold voice full of murderous intent, and said coldly Who is sneaking around In the grass Humph, you guys are not slow, you have caught up with us so quickly Yun Xi heard her cold words and was injured, so she didn t take any precautions at all.
In this way, Ye Ling fought all the way from the island protection formation to the beach.readx The Jindan Snoozy Sleep with Benefits Gummies: A Comprehensive Guide to Better Rest (SBriz)
City Lord of Xishan City glanced sideways at the ancestors of the Zhuo family and the Tang family, and said coldly You two, have you heard This person Finding the Best CBD Gummies for Quitting Smoking: A Comprehensive Guide
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You guys are trying to get a piece of the pie, why don t you step aside The ancestors of the Zhuo family and the ancestors of the Tang family resigned, returned to their respective camps, and continued to wait for the returning tribesmen in Tianfeng Canyon.
How to get out is the most important thing Follow me Ye Ling caught a glimpse of the dense sword light behind him, and his scalp was numb.The fragrance of the elixir can travel tens of thousands of miles Jin Ling er took a breath of cold air.
Holy shit Hurry, retreat Good guy What kind of sword formation is this The eight level flying swords combined together can actually emit such strong sword intent The Nanshan Tang Clan team was still clamoring just now.He saw his senior brother, second senior sister, and Lu Binglan and Lu Xinmei, who had already arrived, and asked them if they had drunk Zhou Yuan and Zhou Xingwu s farewell wine.
He frowned and said, It s almost there There are still dozens of miles to go, but the edge of the crater is almost covered with red hot fire spirit rock.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.