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.
Soluciones en la nube permiten a las empresas ofrecer una experiencia omnicanal, así como la capacidad de mejorar la configuración del proceso de compra-venta.
Descubre cómo tu empresa puede beneficiarse de un ecosistema logístico integrado y supera los desafíos de la #cadenadesuministro de manera eficiente y efectiva. Aprovecha el poder de una plataforma digital para mejorar tu logística y cumplir con las crecientes expectativas de los clientes.
Los trenes de hidrógeno no solo están revolucionando el transporte ferroviario con su tecnología limpia y eficiente, sino que también están marcando el comienzo de una nueva era en la movilidad sostenible. A medida que más proyectos se desarrollan y la tecnología continúa avanzando, es probable que pronto experimentemos el impacto transformador de estos vehículos en nuestras redes ferroviarias.
The two sides froze for a moment, and the wave of dark red flesh receded.Meng Jingzhe didn t have any doubts about her words, he couldn t speak at this moment, he could only nod vigorously.
Even though Meng Jingzhe s cultivation base was lower, Qi Feixuan felt a little timid in his heart at this moment.The Liu family immediately said My lord, how unfair this is At first, everyone was still arguing about whether to use the Twelve Asura Formation, but now the key to the quarrel is how many people from each family.
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As he spoke, Meng Jingzhe raised his hand, and A drop of blood was forced from between fingers.Before he could see clearly the furnishings in the house, he suddenly saw a black shadow on the ground in front of him.
This voice seemed to be an inspiration editor, and Meng Jingzhe s stuck thoughts suddenly came to light.Gu God s body was torn apart, pieces of flesh and blood sprayed in all directions, crackling.
Dashu said at the side Believe me, that young man is really handsome.Meng Jingzhe raised his eyebrows and asked Then can you communicate with other big trees Dashu replied Our clan has its own way of communication.
Why did you come here It Keto BHB from Shark Tank: A Comprehensive Review Adele Weight Loss Photos s because of God.Axi said naturally.The other two divine beasts, seeing that the extremely cold divine beasts had already expressed their views, had no choice but to step forward reluctantly, and they all taught Meng Jingzhe a spell.
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The name is a specialized hospital, but looking up, Jinzhou also has a provincial maternal and child hospital, and there are famous maternal and child specialized hospitals in the five western provinces.It is pretty good in all aspects, except that the floor is a little low, on the 4th floor.
The child s fever had subsided and he no longer vomited.He traveled from a modern special warrior to a young prince also named Qin Hu, who was the leader of the seven most evil young men in the capital And this era called the Yu Dynasty did not exist at all in history.
He must see why this energetic old man could do so.If they were recalcitrant, Si Hongyan s misdiagnosis would be enough for Si Hongyan to drink.
Xue Ji s implication is that she is only a person who follows orders.Meng Xun s eyes were always on her little apprentice Yan er, and she knew all about it.
The little boy handed over the soft ruler in his hand, and ran back with a thud, and after a while, he brought out a stack Can You Have Cancer Without Weight Loss Maximizing Fat Loss with Fasted Cardio: Tips and Strategies of materials of different colors.Before walking a few steps, Tan Feng turned his head slightly to look at Yu Liao, with a smile in his eyes I think this is the Daoist who has saved the Qing Dynasty, and you are my brother s master.
Yu Liao closed her eyes in thought when she heard the words, as if she was really thinking about what he said.Therefore, the Taoist priest who had always been on guard relaxed a little bit, and he shouted out, and other children came in with tea.
However, there is no one in this room at the moment, there are only two demons in human skin.After speaking, Xue Ji did not dare to disobey Gu Jia.
Just like that, Yu Liao also felt a little sullen in Aip Diet And Keto Sarah Huckabee’s 2025 Weight Loss Journey: What Really Happened? her heart, so she naturally became serious about recruiting.In this life, especially after the relationship between the two of them in this life, she always felt that Tan Su s sudden practice of ruthlessness was very strange.
The two have been on the border for so long, and Su Yan er was punished for copying.It s late at night after these words, she can stay up but the apprentice has to rest, so that the apprentice can go to bed early to practice tomorrow, so as not to The Dr. Oz Effect: Weight Loss Gummies Reviews and Reality Apple Cider Vinegar Rice Weight Loss delay the apprentice s growth path, thinking to himself that he is really a caring master ah.
Young lady, if you like to sit, that s all.I hope you can tell me your identity, so I can call you young lady.
This way, Ethan Suplee Weight Loss: Inspiring Transformation Weight Loss For Women Over 60 you will not be conspicuous, and it can also be regarded as the construction of spiritual civilization in the hospital.but he is the only one who doesn t have a diploma, how can he get into the first province Either he met a liar, or they are liars themselves, and they just want to defraud our family s money.
You re here just in time, do me a favor. Just say it.Du Heng s good mood immediately disappeared, and he became anxious and turned his attention to Lu Zhongjiang.
It has a lot of medicines, including ginseng, Morinda officinalis, deer antler, and golden cherry seeds.
There are a total of sixteen Cure For Erectile Dysfunction Quora Supreme CBD Gummies for ED: Reviews of a Top Contender kinds of medicines, and some of them are relatively expensive, so the price will be higher.If you calculate this a little bit, it will take seven or eight years, and another one or two years of internship and training will be gone.
Can I leave now Wu Buwei sighed and said, Doctor, it s o clock.He knew that if the two of them really found a car that could pull people, they would rush back.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.