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 ElitePOS presenta un diseño modular impresionante, distinto a las terminales POS de gran tamaño, tipo caja, que se utilizan de manera común en las tiendas minoristas.
Aunque todavía hay una probabilidad baja de guerras comerciales, vale la pena observar de cerca las decisiones en cuanto a la política, y las respuestas internacionales que generen, para estar atentos a las señales de escalada.
La funcionalidad de gestión del caso en EAM es una forma fácil de hacerlo. Se puede hacer el seguimiento de todas las acciones tomadas y documentar toda la información pertinente de manera que esté grabada en un solo lugar.
Para facilitar el transporte y control de mercancía, en punto de venta y almacén, es necesario que las empresas piensen en implementar sistemas de control dentro de sus procesos de trabajo y operación.
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Using dark attributes is naturally the best way to deal with light enemies.But the escape had just begun. Next, we still need to assemble the defeated orcs and block the pursuing troops at the same time.
Qin An, how many banknotes did we bring with us when we went out There are no more banknotes.In the last camp battlefield, the third level treasures were priced at a level of tens of millions of contributions.
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I only believe in the truth This is a middle aged man who is full of bookish aura.Reformists It is composed of members of the Holy Church who are aware of this and want to change this situation.
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Nascent Soul monks have a relatively accurate judgment of time.Next, every super powerful monk made the same request.
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Yuanba, if you can, you can bless every core sword cultivator with an Innate Yimu magical power.He spoke, but his movements were not slow at all. Ten Thousand Sword Peaks was thrown into the air by him, covering the late fourth grade hell horse headed creature.
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Sect Leader Ji took the jade bottle and felt the fourth grade elixir in the jade bottle, with a smile on his face.Monk Wang He casually drew an oath rune in front of him.
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These sword cultivators also Effective and Convenient Delivery Method have no chance to activate the Space Acceptance Talisman.He saw that the group of Nascent Soul monks also changed directions and were still coming towards him.
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The gravel peaks have no aura and are destroyed peaks.Walking through a small road, the great monk Luo Pei was led to the back mountain and went straight to the top of the mountain.
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Master Li, Brother Wang is waiting for you, please come with me While he was watching, a female cultivator in a colorful dress came to him, bowed and saluted.In this way, the Heavenly Thunder Sword Intent was continuously increased.
In the later period, the golden corpse was hit many times.She should be more cautious as to how she could be seriously injured again in such a short period of time.
Half step power is a special period. He needs to be with Dongtian at all times.It s just that the gravity field requirements of the steps are different from those of the Ten Thousand Swords Peak.
He also heard the story from Li Yuanba. This is also one of the few cases where the natal flying sword is 100 replaced, but there is no replicability, because it is due to Yun Xingyi s failure to seize the body that Xing Yijian became Li Yuanba s natal flying sword.Although the Makers CBD Gummies: Transforming Lives through Natural ReliefOvercoming Common Challenges with Apple Cider Diets quality was definitely extremely high, it was still not as good as the spiritual tea refined by Li Shiming himself.
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The internal factional strife and competition are very serious.It seemed that he was planning to prepare his two spiritual pets for the late stage of the fourth level.
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