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.
En un mundo donde la agilidad y la anticipación son clave, los gemelos digitales de la cadena de suministro se están convirtiendo en herramientas indispensables para empresas líderes que buscan respuestas rápidas y efectivas ante la incertidumbre en evolución.
El inventario gestionado por el proveedor VMI es una técnica de gestión de inventario en la que el proveedor/vendedor asume la responsabilidad total de optimizar y mantener el inventario mantenido por un minorista
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I m scared, I m in pain. It hurts. Who told you to be so careless Wang Shizhen packed up his things and stopped going to the farmhouse.The emergency doctor frowned a little. This parent is too ignorant.
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Wei Kaida almost died unjustly, but of course it was just an act.Wang Shizhen reached out and took them directly, without Du Heng going to get them.
Du Heng suddenly realized, Since you are already here, don t worry.Secretary Lu, I have an idea. I want to move our office and conference room back to the old courtyard, and set aside the third floor to use it as a ward.
And in the house, there were constant puffs puffs. Hey, buddy, what are you doing Doctors in white coats and lame patients are not waiting in the clinic for treatment, so why are they all coming to the corridor People waiting for treatment in the adjacent department in the corridor were all attracted as they watched the patients and doctors running out in droves.
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Well, it turned out to be cancer. Who can accept this So, this patient came yesterday morning and made trouble all morning.Ten minutes after leaving, Zhou Yixian walked in together with the male doctor, holding an informed letter that had been explained and signed.
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Bar Without emergency medicine at hand, Du Heng could only quickly clean her mouth to ensure that the woman could breathe smoothly.
In addition, no one comes to the door for sores, boils and carbuncles related to dermatology, even in the provincial hospital.
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Yang Wei s tone was a bit resentful, and his emotional expression was much stronger than when he spoke at their house just now.Is it true that good fortune and misfortune never come alone Do you have to find something to do for yourself Buwei, let s wait and see.
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Du Heng took a sip. He asked, Didn t you get a checkup Every time the work unit had a physical checkup, I didn t have a bowel movement, but nothing was found wrong.That is, Chongmai is closely related to reproductive function.
In order to complete the final upgrade, each department must be established and play a certain role.When two brothers sit together, they can talk about anything and gossip.
Don t stop. After Du Heng finished speaking, he paused, thought for a moment and then continued, Your sister told me about your situation.Personal information must be registered clearly. Understood.
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By the way, he He said that if you are willing, he will get you a position as an assistant lecturer in the school.The doctor said that too many miscarriages are harmful to the body.
Zhao Xinyuan, you have also seen him, he is skinny and disheveled.After introducing each other, Du Heng saw the little girl sitting on the sofa watching TV.
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I am afraid of getting in the car myself. Where is your car Are you scared too Du Heng was also anxious, his voice suddenly became urgent and the pitch became higher.But what if you meet someone with a bad temper It seems that this good person cannot be taken lightly.
And now our village doctors are also involved, just to let them act as informants, Penguin’s Promise: CBD Gummies Reviews for ED and we are afraid that they are undercover and will inform the informants.Second, do you want acupuncture treatment Yes, Dr. Du, you can treat him how you want.
How could he possibly inquire about other gossips. By the way, the best app for reading and listening to books is Mimi Reading.Looking at the patient who looked embarrassed but still kept his original posture, Du Heng stepped forward and took out the needle from his stomach, Gu Ping, simply disinfect it and then El Toro CBD Gummies for ED: Charging Ahead with Positive Reviews put it back up.
Standing behind Du Heng and looking at the prescription in Du Heng s hand, Gu Ping felt that his legs were tight, his back was straight, and his hands were trembling slightly.In this case, shouldn t it be heat clearing, disinfection, anti inflammation and sterilization This question is one When he came out, Li Jianwei s face became very ugly, and he glared at the student fiercely.
What do you mean He walked closer to the patient. You two also come in.Hey, the brother inside jumped in the queue to see a doctor and said he had stomach bloating for three or four months.
No, you listen to me, you have to go.
After that, regardless of Liao Yuzhu s objection, he took Liao Yuzhu to the hospital.Wang Shizhen became a little angry, took off his apron and threw it away After getting on the stool in the kitchen, he turned around and pushed Du Heng and the pharmacy doctor out, You don t understand even if I tell you, you d better treat the disease and save people.
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Du Heng was also stunned, What do you mean As for the current condition of this patient, our director has tried all possible methods, but it has not improved, and now there is a risk of cancer.
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If you want to go by water, you have to bypass the sandbar next door.Because of him, the Minister of the Household Department of the Royal Party fell the Liang Party was abolished the Minister of Rites of the Royal Party fell The number of people who hated him was too many to count, and they were unwilling to give him honor even after death.
Today s night watch, my aunt replied.It is also possible that Xu Qi an complained in his heart when he went to the Jiaofang Division.3 is in Dafengjing, and his friend should be there too.
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Liang Youping said Hey.You killed the owner of the dog meat shop at No.Xu Qi an continued The two Taoists give me another sentence.
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Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.