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 tecnología impulsará la industria del transporte aéreo del país y su primera muestra fue en el Aeropuerto Internacional de la Ciudad de México con Leo.
La automatización de almacenes está dejando de ser una opción para convertirse en una necesidad estratégica. Con la escasez de mano de obra, la integración tecnológica y las innovaciones en robótica y IA, las empresas tienen la oportunidad de optimizar sus operaciones , reducir costos y mejorar la eficiencia. Al adoptar soluciones como RaaS y mantenerse al tanto de las últimas tendencias en automatización, las empresas pueden enfrentar los desafíos actuales y posicionarse para el éxito en el futuro.
After reading The Legend of Hao s Talisman , he finally understood what the spiritual bamboo root was.This was when his consciousness came to Lian Zhi s body.
Beyond this range, you cannot connect to the Zongmen Formation.He didn t have much spiritual power, so he couldn t use it all.
It s for the Foundation Establishment Pill Li Shiming stopped Apple Cider Vinegar Feet Weight Loss: 2025 Ultimate Guide refusing and accepted Yin Shilan s wishes.Li Shiming, who was sitting in the flying boat, saw the golden elixir mid stage monk from Beishu who was coming towards him in the form of a rainbow light.
He also used his spiritual thoughts to check around the stone wall bit by bit.Realm limit level. That is to say, His Vajra Body Protection Magic was limited by his realm.
At this moment, it was a mess and a mess. I didn t expect that my position in Master s mind is so important.Why do you want it 800 million The box on the 16th did its part and bid a high price of 800 million.
Ye Fei has never seen a real elixir refined. The only time was that night at Tongtian Academy, when the elixir was first formed into a different phase.He was The Ultimate Guide: Best Things to Eat to Lose Belly Fat cut with a knife on the back and hit with a palm on the chest.
Ye Fei decided to find a shop and sell the inner elixirs of the monsters he had obtained these days in exchange for some things he wanted.You No The heroic one horned man shook his head gently.
Seeing Jiang Yulang coming angrily, Ye Fei was really speechless.Why don t you want the Jidao Saint Weapon Although you are angry for Junior Sister Mo, you must win this game to truly be proud of her, you know After all, you represent her.
Then, with a wave of his jade hand, these big dragons were sealed
In just one breath, Lin Yu er stopped, and Ye Fei felt that the spiritual power of his mountain range was even more compelling.Mr. Yao was blowing his beard and shouting with eyes wide open.
He can escape. Is it too sensitive for the church to pay so much attention to just a little guy Moreover, once the calculation is made, the secret will be revealed, and something unexpected will happen to me in the future.They guessed that Ye Fei had some strength, but they didn t expect him to be so strong, beyond their imagination.
He is now extremely worried about Guan Tong s safety.It is useless. He is not in the Four Extremes realm.
Even though he had read countless Gummies for ED Videos: Exploring User Testimonials beauties, he had to admit that the Moya in front of him did have the ability to seduce men.The master who was originally as cold as ice was now twisting his enchanting body and his eyes were extremely charming.
The entrance to the Mellon Hotel was already overcrowded.He knew that the last strategy worked. Although the Forty Thieves are not a sect, they are all extremely powerful, and they have no fixed foundation.
He is our savior. And, as far as I know, Mr. Hua can become a big boss in the entertainment industry so quickly.
The red land for thousands of miles is stained with blood.It looked at Mo Xingyu with a greedy look in its red eyes.
If he hides casually, it will be difficult for people to find.Five hundred and twenty million Finally, when the host was about to shout out for the third time, Ye Fei finally spoke quietly again, but this time he only added ten million, and it seemed to everyone that When hesitating, he will give up at any time.
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Jiang Yulang s mouth was unforgiving and he stared at this The disciples of the Huazang Shark Keto Diet Pills: An Objective Assessment Realm of the Yin Yang Sect couldn t help but sneer.After all, Niwan Palace is the brain, sea of consciousness, and spirit of practice.
Hey, Hao Dayou There is no such person in this world anymore.S Not only Nan Yunluan, but also some of the disciples present, even Lin Yinger, Qian Xiu and the elders were a little surprised.
Wearing handcuffs and shackles, although the guards were disgusted with the arrogance of Wang Chao and the two directors, their provincial governor had spoken and they did not dare to disobey.He slapped Ye Fei away and even turned him into a blood mist.
In addition, Miss Moya, in the future, you will have to look at your character when accepting maids.Yes, all spiritual weapons contain a lot of energy.
It seems that you don t want to return it. Well, in that Sydney’s Winter Selection: Food Recipes to Lose Weight in 2025 case, I will destroy you first The woman in white looked extremely cold.Although it looked like a clumsy body, it was extremely fast and could punch without any fuss.
Boom Ye Fei started to attack the realm again. If you look inside at this moment, you will find that the collapsed blood vessels in Ye Fei s Dantian have scabbed and solidified, and the newly opened meridian routes are being nourished by the Dragon Elephant Qi.Hmph, restoring the Seventh Realm of Divine Treasure How can it be so How Dan Schneider Weight Loss Happened with 4 Simple Changes easy, unless he can enter the Ten Thousand Beasts Mountain Range and get the courage of the Jade Dragon.
Roar The one horned tiger seemed to be irritated by Ye Fei.Bitch, of course it s not enough. Detailed Reviews on Penguin CBD Gummies for Erectile Dysfunction: User Insights If the disciples of Tongtian Academy are like you, if one day Tongtian Academy is in trouble, will you also join other forces and reduce Tongtian Academy to worthless Moreover, like you Such a woman Bastard, I ll kill you Xiaoyu was so embarrassed that she rose up and killed Ye Fei in an instant.
Forty eight years, not even fifty years, this Qingyang has gone from being a newly promoted golden elixir monk to a ninth level golden elixir monk.He Dakota Johnson Weight Loss: How She Transformed Her Body in 2025 was interrupted and said What happened to what I did later It was you who agreed to sell yourself to save my father, and you took the initiative to sign the deed of betrayal.
Did I say something wrong Qingyang asked in surprise.Secondly, the iron eating beast has been seriously injured and its body defense has been greatly reduced.
He is struggling to support himself. The other two can only help.The red eyebrow master will not be able to bear the damage caused, so he must fight quickly.
Huanxi Ghost King s method was very simple. He directly sacrificed the Buddha statue he had used when fighting Fuliu Ghost King.At this time, Zhenjun Feng Luan had calmed down. knowing that at his age, it is impossible to obtain this qualification, but even if he fails to go, this qualification will not be in vain.
After walking forward for half an hour, a scream suddenly came from the front, and then the sedan carried by the four ghost Gabourey Sidibe’s Weight Loss Story and the Lessons We Can Learn cultivators exploded instantly.I don t know why these monsters are crazy. Maybe when the seniors from Crouching Tiger City come, they can figure out the reason.
Young Master Lingxu said Ever since I first dealt with you in Luan Mo Valley more than a hundred years ago, I knew that sooner or later there would be a battle between us, but I didn t expect that this Oprah Winfrey’s Apple Cider Vinegar Gummies: A Celebrity-Approved Detox day would come so late.The earthy yellow hills are much smaller. If it s just like this, it s not a big deal.
Now I don t know what is going on, but it is just a life.The Foundation Establishment realm was impossible. Not even himself, any Golden Core monk would be able to hide it, and it would be even more impossible for Yuanying.
Even if it is lost, the reaction should not be like this.The golden elixir monks did not dare to pursue too hard.
Later, the Blood Demon The sect was destroyed, and I broke through the Nascent Soul before the battle but was still no match for you.The monster beasts seemed to know the power of the city defense formation, and a loud roar was heard from behind.
Four days later, Qingyang had successfully stood on the edge of the Fallen Ghost Abyss.There really is a way to heaven, but there is no way to hell if you don t go there.
seems to be of little help to them. Qingyang s cultivation level is much higher than these people.However, Qingyang inside had not come out yet. People around him couldn t help but talk about it.
But now we cannot even exert half of our strength. It is really difficult to defeat them.Fortunately, Duanmulin already had a son at that time, and Duanmulin was killed.
However, the aftermath of the sword formation fell on the surrounding buildings.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.