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.
Acertar en el uso de herramientas y plataformas tecnológicas hará de nuestros recursos los astros principales capaces de transformar el mercado y encantar al consumidor.
Datos en tiempo real provenientes de sensores ayudarán a los ingenieros de Bloodhound a optimizar constantemente el rendimiento del vehículo supersónico.
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.
Master, you succeeded The weapon spirit of Kevin James’ Weight Loss: Top Strategies Revealed Two Weeks Before Christmas
Shanhe Qiankun Fan said excitedly.As long as he didn t meet a mid to late stage Nascent Soul monk who was good at spirituality, he wouldn t worry about the other party s spiritual mysticism at all.
If this continues, the ancestors of the thirty three Nascent What is CBD Gummies: A Comprehensive Guide to Benefits and Uses (kQvXg)
Souls in the sky will definitely discover it.You die first The Xuanming Sect Qi Refining monk waved his hand, and a black light shot into Jin Shufeng s eyebrows.
I have already left Brother Hu replied after a while.Li Shiming continued to fine tune the electromagnetic gun through contact with the fourth grade black armor puppet.
Seizing the body and rebuilding it seems to be a good path, but rebuilding is full of uncertainties.Let alone the golden elixir How to get approved for weight loss surgery
stage monks, even if the Nascent Soul monk wants to pass, even top geniuses cannot do it.
Traceless Phantom Gold cannot be sensed by spiritual consciousness, as if it is nothingness, but it can be touched by contact.In order to refine the Traceless Phantom Gold , he tried his best.
With the energy source of the fourth grade mysterious puppet, he planned to use fourth Joy Organics Organic CBD Gummies - THC-Free CBD Edibles for Relaxation
grade materials to make an electromagnetic gun for the fourth grade mysterious puppet.After releasing a self propelled cannon and programming the automatic attack, the phantom dragon took him back to a location close to the palace.
Each sword shadow was a real flying sword. There were more than 10,000 flying swords covering the whole sky.The main reason that made him dare to have ideas was that the golden calligraphy was as good as gold paper.
Ghosts are extremely special life forms. Without appropriate means, ghosts cannot be harmed.The box is large enough to accommodate dozens of people, and is very spacious.
Of course, what he thought was weak was actually not accurate.
We are also four If you lose in our Finding Relief with CBD Gummies for Eczema: A Comprehensive Guide (EFZsO)
hands, you will be out and lose the chance to compete for the Tianfeng Gorge spot.Now I met such a young man dressed as a hunter, who not only controlled the golden elixir spirit beast, but was also not stupid.
It is actually a cave in the Feng Yao wasteland. There is no sun and moon in the mountain, and there is no distinction between day and night.It was burned in many places, its fur was burned and scorched, and even the leopard s blood How Does Sleep Gummies Work: A Comprehensive Guide to Better Rest (lhBTR)
flowed out.
These two medicinal materials have been stored in Zhaixingya for a long time, and now they can finally be put to use.Coupled with his magical powers, although the clone was suppressed in the Great Perfection of the Foundation Establishment Stage, the Taoist skills he performed were exquisite and wonderful.
Not long after, Xiwu Wanghun came out of the underground palace with a full storage bag, and then the blood array closed and sealed the underground palace again Xiwu King Soul said excitedly I took out some of the Discover the Best CBD Green Gummies: Benefits, Reviews, and More
treasures in the underground palace, and the elixir of disguise is in this jade box As he said that, Xiwu King Soul held out a simple jade box, from which spiritual power emanated.
Zhuo Yunhe, the young master of the village, pointed from a distance There are only three days until the opening of Tianfeng Gorge By then, the wind blade Power CBD Gummies for Men: A Comprehensive Guide to Enhancing Wellness (OesmA)
of Tianfeng Gorge will be at its weakest.At the same time, he loudly shouted to the people inside Welcome the distinguished guest They re all taken care of by me.
The earth crystal colored giant shield that had not been broken for a long time cracked into two halves The Winged Fire Witch hurriedly flew behind, and Baihua Girl and Zhilan looked at the zombie like ancient barbaric cultivator, and they were all shocked The ancient barbarian cultivator glared The Benefits and Effectiveness of Full Spectrum CBD Gummies for Pain Relief and Overall Wellness (arVPQ)
with red eyes and shouted loudly This young patriarch has changed into a human being and a ghost.
My clan members must remember this. Ye Ling looked at it and was excited.Shayu helps defend the enemy, and lets them dig spiritual mines and cut down spiritual trees.
Lu Binglan greatly appreciated Ye Ling s caution and nodded Well, this person s body is extremely strong, how could he die so quickly No matter what, be careful when sailing the ten thousand year ship.There are hundreds of Jindan monks under his command, controlling these mountains.
The next moment, Zhong Kui Shuling grabbed the kid on the ground, opened his mouth and bit it down.It is very sensitive to things with strong Yin Qi. Many things in the Hell of the Undead world are not suitable to appear there.
When he returns to the inn, we ll stun him when he enters the room.Bang The crisp sound of weapons chiming. Su Ye knocked the machete away with his rusty sword.
Yes. The garbage king is the garbage king. Su Ye didn t bother to defend himself and said directly Do you have any business concerns Yes The dead man took out a stone from his arms and threw it to Su Ye and said What do you think of this Another stone Su Ye Experience the Ultimate Relaxation with CBD Hemp Gummies 300mg - A Game-Changing Solution for Mind a
took the stone, but this time he didn t hit it, but looked at it carefully.
Su Ye laughed heartlessly, Finding the Best CBD Gummies for Kids with Autism: A Comprehensive Guide (fMStE)
and then said Go, take Huahua to the backyard to play, I have something to do with your grandpa.On the other side, a ferocious beast that looked like a tiger and had wings came over, its body full of murderous intent.
However, Su Ye s purpose this time was not to use the Earth Binding Seal to attack.Su Ye is currently in the fourth realm of the body refining stage, and of course it is impossible to use Taiyin holy water to refining his body again.
Especially in recent years, the overt and covert fighting has been particularly obvious.Everyone has seen it, so naturally it is of no use.
The slower it gets, the weaker it gets. The Great Elder Shi Ming is the Great Elder of Sword Cultivator, and his Ice Sword Intent was accumulated over a long distance using secret techniques.The pressure this golden corpse put on them was something they rarely encountered.
At least before he officially came into contact with the world of immortality, these talismans were his trump card.Actually, I don t want you to join Zhongzhou Trading Company Brother Hu s first words made Li Shiming unable to sit still.
Like a god from above, he listened to what the world was doing, because he was the most powerful monk here.Li Yuanba didn t pay much attention to the third grade magic weapons Best CBD Gummies to Lower Blood Sugar: Natural Relief and Management
in the space ring, so he took out a third grade alchemy furnace.
He glanced at the cave he was in with some pity. He originally thought that it would take a long time to condense the Broken Void Sword Intent , so he specially built this cave.These are all Liuguang Xingyun third grade flying sword magic weapons.
He was very satisfied with the defensive effect of the color changing cloak, but the changing effect was so good CW Naturals CBD Gummies Review – Does It Really Work?
that not even spiritual beasts could detect the abnormality, let alone human monks.He has no intention of sending Li Yuanba out to act alone.
Since the Thunder Cloud Spell was cast within the headquarters of Yuxiang Trading Company, the large CBD Reviews 2025: A Comprehensive Guide to the Best CBD Products (qpLrS)
array at the headquarters of Yuxiang Trading Company was unable to suppress the Thunder Cloud Spell.Even if he invests all the spiritual power in his five golden elixirs, it will not be enough to consume the Shanhe Qiankun Fan in one swing.
But the thing happened to happen to this childhood sweetheart, Miss Chen.You know, all the champions in the past were heroes and had unparalleled influence in the military.
Judging by the time, the time when Li Shiming left was roughly the same as the time it took to consume the thirty six drops of Tongxuankun s Immortal Dew.The plan was to give two welcome speeches, which would show Li Shiming s extraordinary status without overstating Li Shiming.
Xiaofeng seemed to be attracted by the elixir. After thinking about it, she looked back at Li Shiming, as if waiting for Li Shiming s consent.Do you really think I escaped because I couldn t beat you He thought to himself.
The combat power of one person, Lei Xiu, who is in the late Golden Core stage, is almost equal to that of several late Golden Core monks.In fact, Uncle Song from Lingji Pavilion was right.
It looks like we have to ask the master to take action Li Shiming thought to himself.Let s use this to hurry up Tang Xuening entered the third grade flying boat first and said.
Both Shushan Sect and Senluo Sect will have doubts.Is the reward for the champion of the alchemy competition a spiritual fire Li Shiming came to the registration office of the alchemy competition and asked.
Li Shiming first took out the jade slip and placed it between his eyebrows.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.