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.
Piñatas Aldi y UPS México trabajan para enfrentar juntos los desafíos logísticos y continuar llevando alegría a través de sus piñatas a otros mercados desde su página de internet www.aldimyshop.com
La tecnología, junto con una planificación estratégica de la fuerza laboral y la inversión en optimización de flujos de trabajo, ofrece la oportunidad de cerrar la brecha entre las grandes y pequeñas empresas en cuanto a las expectativas de cumplimiento de pedidos. La adaptación de las organizaciones a estos desafíos mediante el uso de soluciones tecnológicas será clave para lograr el pedido perfecto y asegurar la satisfacción del cliente a largo plazo.
This costume alone will inevitably make anyone think about it when they see it.In fact, those who are good at swordsmanship always adhere to the idea of only oneself but Chenyang Jianshan Taoism is not only the best in swordsmanship, but also has a peculiar arbitrary spirit.
How difficult is it to resolve a soul contract as long as it is handled properly I see
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Although in the process of development, it seemed that the follow up was weak, and it was successively surpassed by similar methods of the Dragon Clan, Phoenix Clan, and Pegasus Clan.Long Yun s eyes moved the five people s eyes met. In the first battle, Dongfang Wanqing took part in person.
To be specific, his clone in the mainland of Mona has not yet returned, but what Gui Wujiu sees in this world is like looking through a mirror and vividly remembering it.Just call me by my name. My name is
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It will never exceed half of it. In the end, it will only be 400,000 spirit stones.If you can pass the Hundred Ghost Picture and have a chance to see Baimei Ghost King, you must take me with you.
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I originally planned to help Liu Ghost King defeat the giant ghost king and others before I take action, so that I can completely disrupt the Ten Kings Palace, but I didn t expect the one horned ghost king.Under normal circumstances, they were no match, let alone in the Dream Soul Grass.
Although the gourd with space attributes is rare, the level is not ridiculously high.Before coming, he had already inquired about Qingyang s origins.
However, when the two sides were compared together, there was a world of difference.At the beginning, your Blood Demon Sect did not have the ability to forcefully subdue the entire sect.
No, it can no longer be called a pool. The water surface with a radius of two to three hundred feet Combatting Memory Loss Effective Supplements 53xn For Support is completely a huge lake.As a quasi first class family in Qingyan City, the Yang family naturally had guards at the door.
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Then came to the door. It s over, it s really over.The Ten Kings Palace would definitely not be able to save it this time.
The man in blood clothes had no choice but to turn around and fight.Qingyang didn t look carefully before, but now that he looked carefully, it was easy.
Master Gui He has lived by Wulong Pond for decades and knows that there are no high level monks around here.Of course, you need to come forward to do this. I won t show up and I can t ruin G6rw6 Zielgerichtetes Abnehmen Am Bauch Bungen Und Ernhrungstipps the reputation of the auction.
Xiaotian Demon King is right. Both of them are overlords.He took them away from the Fallen Ghost Abyss and came to the depths of the Netherworld.
Qingyang has been cultivating immortality Craig Robinsons Cy2 for more than a hundred years, and has experienced countless battles.Both of them were foundation building perfect monks, and Tong Yan was assisted by several younger disciples in the Qi refining stage, but the monk by the blood pool was He did not fall behind Christmas Party Weight Loss Apple Cider Xkz07q9gj Vinegar Mix For December in the slightest, and even made it difficult for Tong Yan to cope with it.
Now that we were safely back on shore, I finally felt at ease.It was so fierce and unprepared that this situation occurred.
Even if the strength is not limited, the few people on the opposite side are no match for her, not to mention those few people are still affected by the Dream Soul Grass.The Long Eyebrow Ghost King has seniority and high cultivation.
Now that we know that Qingyang is a Nascent Soul cultivator How Did Kelly Clarkson 2lua0 Lose Her Weight Discover The Diet And Workout Plan and is even stronger than the city lord Yaoyue Zhenjun, Xiying and Xiao Yuhan will never be able to return to their previous state.At this time, it has been five years since he left Chujiang City.
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In the future, with the development of Qunxing Capital and the advancement of some major super engineering projects, its contribution to economic growth will only increase
After the weekend weekend, on Monday, September 29, the A share market, the penultimate trading day before the holiday, continued to rise steadily under the operation of Qunxing Capital.
The brokerage sector took the lead in pulling up. Star Capital took the lead in going long with incremental funds, directly lifting the index from underwater to above the red zone.