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.
Mayor automatización se traduce en crecimiento financiero y promete mayor productividad. Las compañías altamente automatizadas son 6 veces más propensas a incrementar sus ingresos.
Logiety construyó su plataforma en IBM Cloud con la ayuda del Global Entrepreneur Program, que provee a las startups acceso a distintos recursos como créditos para la nube de IBM, soporte técnico y mentoría de negocios.
Esto es lo que finalmente impulsa la revolución tecnológica: El desarrollo del conocimiento con nuevo pensamiento crucial es posible utilizando innovación previa.
He initially thought it was due to the ancient phantom formation and didn t take it to heart, but then, his spirit beast bag containing the The Blueprint Behind Kim Kardashian Weight Loss Success
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Unexpectedly, the puppet sword formation went straight to Zhuo Wuhua.At the beginning of each month, Jin Ling er and Sister Jin Tumu will be sent Brother, go to the bank of the Thunder Pond to get the elixir.
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Ye Ling and Liang Yu s eyesight is extremely good, they can see farther into the sea, and see more Lots of seagrass and rocks.She put her hands on her hips and glanced sideways at the disciples of the Five Elements Immortal Sect.
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Remnants of Hanyan men , where are you going to run Our Green Demon Sect is short of a few slaves.
Three fire dragons rose into the air from the cauldron, circling and devouring all the fire aura around them The fire type demon bird red crested gull shared the same enemy and kept flying provocatively.When the time comes, I will pick back the red fruits, and you will have to kowtow eighteen times Only then can you be qualified to ask me for help.
The red fire green tailed leopard stared at her blood red leopard eyes and roared at her several times, but never dared to make a mistake.Is it evil On the contrary, Wing Fire Witch and Zhi Lan were very excited.
Could it be that the owner is so dizzy and dizzy after looking at all the treasures Tantai Mo Ye also didn t expect the Tangtang Tiandan Immortal Sect.Come and help The green black fish demon repelled the barbaric cultivators rushing down the mountain with just one strike.
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With their little skills, they can t withstand Captain Mu s seal.A little more confidence in dealing with those Aolai country bandits Ye Ling nodded, took out the storage bag filled with elixirs and wine that he had prepared in advance, handed Finding Relief with CBD Gummies for Anxiety: A Comprehensive Guide
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Ye Ling frowned. It seemed that the green and black fish demon sent out was captured Ye Ling said coldly Hey Are you a monk from the Aolai Kingdom The young monk was blindly trying to please the red fire green tailed leopard in front of him, and his eyes were only on the golden elixir spirit beast.
Ye Ling successively put a sufficient amount of middle grade sea ice crystal grass, together with ninth level dragon bones, dragon teeth and other items into the alchemy furnace.If you don t run away at this time, you will be more likely to die.
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worry.After all, Su Wan s cultivation level is similar to his, but she owns Zuihua Manor, has a great family, and is famous far and wide.
Okay, if there s another one trying to rob the cave, what s the point So Master Yihuo Wu pointed far away into the depths of the bamboo forest There is an ancient city ahead, called Qingzhu City It is a well known city.Ouch The red fire green tailed The Best CBD Gummies to Quit Smoking: A Comprehensive Guide (EluZW)
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the wind and waves, and the mist disappeared and the soul dispersed The others watched helplessly as their eldest brother was swallowed up by the wind and waves, and they were all horrified If they tried to escape, or shouted for mercy, it was too late Almost in an instant, all of these people died in the wind and waves.
Grandmaster I, Guo Yang of Doukui Island, have heard about Grandmaster Ye for a long time.Gee, these two female cultivators are so beautiful Sect master We should capture them all and make them your sect master s wife The remaining Hanyan sect s Qi training should be rewarded to the subordinates.
Tao Fengnian pondered for a moment. With such qualifications, even some sinister thoughts emerged in his heart.As long as they don t violate their taboos, they won t do anything to the guests.
Snake gallbladder fruit is always green in color, but this one is almost black.Every drop of it would require at least fifty years of hard work to warm it back up.
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the altar to drink, showed their heroism, played drums and played music, and it was very lively.Jia Wei then showed a satisfied look and threw a bag of elixir seeds at Tao Fengnian s feet.
In fact, he has never done anything and is too lazy to do anything.Jiang Yuebai suddenly remembered that the manager of Mingshafang once said that their young master was collecting Yuanjing.
His face was clean and he looked very smart. He always smiled brightly and easily made people like him.And me, I can pay a deposit first. Others took out spiritual stones and asked Jiang Yuebai to take action.
Facing the doubt, Jiang Yuebai felt angry and tugged on Tao Fengnian s sleeve.Grandpa Jiang Yuebai smiled and ran forward. Alas Tao Fengnian had a sore Biocore CBD Gummies: Reviews, Benefits, and Buying Guide
nose and tears streaming down his face.
Over the past five years, I have memorized so much without even realizing it.Jiang Yuebai s idea came to him, and the wooden puppet immediately made a secret.
My grudges with Zhao Fuyi are over. From now on, we are just the same sect, and there is no need to mention Qingnangzi again.I feel a sense of loss, a little envious, and a little Revamp Your Eating Habits with a Hindi Weight Loss Diet Chart
sad.
I see, I finally understand the relationship. Jiang Yuebai lowered his head and muttered to himself, thinking for a while and found some problems.Jiang Yuebai could feel Lin Jingyue s love from Ye Shiming s perspective.
Everyone was shocked and unbelievable. The situation is changing and the undercurrent is turbulent.Grandpa s Quotes When you accumulate soil, you become a mountain when you accumulate water, you become the sea.
Wen Miao sneered, You are so stubborn that you won t admit that the disciple you just accepted is inferior to others.Cui Sheng, a middle aged steward who was slightly fat, nodded and came over, glancing at Jiang Yuebai briefly.
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Taoist, it s up to you to take action and show them the consequences of offending us Li Shiming said with a smile and handed over a space ring.There are more than 300 Nascent Soul cultivators and thousands of Golden Core cultivators on one peak.
He uncovered the spiritual cloth, and inside was the other half of the broken jade map.Ancestor Jin Kai tried twice, Discover the Power of Mexican Weight Loss Pills: Shed Pounds the Natural Way
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The most important thing is that after accumulating solid knowledge, he can make alchemy perfectly outside the computer room space.The Sword Intent blade in Li Shiming s machine room space did not change because it left the sword mark, and it Hemp and CBD Gummies: Benefits, Safety, and Expert Opinions
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Most importantly, taking over the alchemy business is also constantly increasing his stock of elixirs, which are resources for his cultivation.After all, Silver Corpse Nan Ming s body has been specially modified, which gives him the innate ability to control Nan Ming s Lihuo, and as his realm continues to improve, this control ability is also constantly improving.
However, no monk noticed him. As long as the formation did not issue a warning, no monk would take the initiative to explore other monks, which would cause some trouble.Ancestor Ling Xueling said nothing more, because she sensed that another ancestor of Nascent Soul was approaching, and she would not receive him with his master, as that would make others misunderstand the relationship between Beishu Trading Company and Senluo Sect.
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grade space magic weapon.It was almost a step by step instruction. Anyone who is not a fool can understand the views of some high level monks through the sermons of Master Qi.
Du Bingyan also sent him a new jade flying boat, and it was of better quality than the previous jade flying boat.At this point, Li Shiming s Spiritual Eyes was able to observe the subtleties.
Just now, the Jin Kai Patriarch on Yongle Island suddenly made some changes, which startled the seven Nascent Soul Patriarchs.He maintained his consistent alchemy ability, and after several hours of refining, he returned three fourth grade intermediate elixirs to the organizer.
As a fire type Nascent Soul, he would be extremely affected by fighting on the sea.As for Zhai Ge s powerful cave, Tianxing Trading Company is just guessing.
On the flying boat were six monks who were in the late stage of Qi refining.And Li Shiming s third grade sword base was stabbing, slashing, sweeping or teasing at various places on his body at various incredible angles, creating wounds one after another.
The tortoise shell is a small piece of the legendary Taiqing Black Tortoise.There are no horse and deer antlers on the outside.
Master Li, I wonder how you arranged the refining of the fourth grade elixir I also have a few fourth grade elixirs, and I would like to ask Master Li to help Patriarch Ge asked with a smile when he saw Li Shiming accepting the jade box.Li Shiming looked at the internal structure diagram of the mountain drawn by IBMz15, and he saw the outline of a cave.
At this time, Tianxing Trading Company and Tianwen Sect were both in Northern Shu, and this matter would also spread to their ears.Li Yuanba was practicing here in his silver corpse state, and his practice was making rapid progress.
Master Li only accepts the resources from being promoted to Nascent Soul as the reward for alchemy.And what would it be like for these two guys with thin skin and tender flesh to stay with hundreds of big and thick Qiuba every day He must have done the most tiring work, eaten the worst food, suffered the most severe beatings, and suffered the most anger
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The strange energy appeared again, trying to blind his consciousness, but it also failed.But the demon cultivator grabbed the Yuanying monk to keep him alive and provide energy, so how could he let the Yuanying monk die like this.
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At this time, Huan Yu had already taken six steps on the ancient stone bridge, but this seventh step could not be taken down no matter what.The secret territory of Liu Yan Shenjun s cave is rich in Finding CBD THC Gummies Nearby: A Comprehensive Guide (omJBS)
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It makes people laugh Pfft
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However, no one took it to heart. To those proud people, spiritual energy that sweeps for dozens of miles is nothing.Uncle Huang, I m a little worried There was a hint of worry on He Zhenlong s majestic face.
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into pieces of flesh and blood without even screaming Invisible ripples, even the void was shattered inch by inch Lu Yu reacted early and left quickly With Lu Yu s current cultivation level and his incomplete meritorious golden body, if he was involved in a fight of this level, he would probably be seriously injured As for the young demon lord of the ancient demon clan who did not react, the last bit of his soul was silently extinguished Completely gone I Harrelson's Own CBD Review: A Comprehensive Analysis of The Organic Full Spectrum CBD (kJyxp)Where to Buy Kelly Clarkson Keto Gummies: Unlocking the Secret to Easy Weight Loss
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At this moment, Elder Feng Nu of Shuijing Sect looked at Lu Ziji angrily and suggested Why don t we do it together We must not let Lu Ziji go today.Him I guess he escaped from Huacheng. Otherwise, you would have dared to stay after committing such a big thing After everyone discussed the Thousand Blade Sect and the lawless Comprehensive CBD Drops Reviews: Effectiveness, Benefits, and User Experiences (pjitX)
murderer for a while, most of them were just guessing.
as Lu Ziji went to Cangshan Star, he did not come back for more than two years and was rumored to have died.Get out After hearing this, Lu Yu s eyes narrowed, and a cold light flashed What if we are discovered The Scarlet Flame Pavilion Artifact Spirit said with a guilty conscience If we are discovered, we will encounter the secret formation.
He muttered some words and chanted them to discover In an instant, purple green light, like a flower blooming, enveloped True Monarch Pengyun, Rebirth CBD Gummies Where to Buy - Benefits, Reviews, and More
with a Wind and Thunder God Seal above his head, shining brightly Endless purple green light spread out from the Wind and Thunder God Seal, shrouding True Lord Pengyun in it Seeing this, True Lord Pengyun relaxed and breathed a sigh of relief.
After taking a look around, he poured a basin of ice water directly In those star fields with more spiritual energy, Danger is always with you.You have fallen, and now What's in CBD Gummies: A Comprehensive Guide to Ingredients and Benefits (BAhuG)
you dare to show off your power Gurui, be wise and get out of here quickly.
Everyone was confused and puzzled. This, this, this
what is going on How did we get out of the Red Flame Pavilion in an instant Did we violate some formation restrictions But why does everyone seem to be kicked out I don t know.The prowess of Lu Ziji s formation master alone was enough to attract Rui Rui s attention.
Hey In this deep mountain and dense forest, you can actually see a Qi refining stage immortal cultivator.Who can know about you Yan Xunnan, obediently hand over the Heaven and Earth Xuanhuang Fruit, otherwise the old demon will rape you first and then kill you
Zhenhai Taoist Lord, the white clothed sword god Chu Jingxiao, the three brothers of Tianma Demon God, Xuanling Taoist Lord, Zi Ancestor Yun and other Taoist Masters of Refining the Void, and even the Great Master of Hedao, looked at Yan Xunnan with stern eyes.
He is eight hundred and seventy three years old. He is a cultivator at the peak of the Divine Transformation Stage.They will be arrested soon It s simple to think, they are so strong, if they don t attack with all their strength, they might capsize
For a while, the International Warrior Network was arguing endlessly.
Princess Lu Xiao, Bai Xixi, Zhuang Ling er and others were also extremely worried.Even though Lu Ziji has some abilities and masters some formations.
Facing such a powerful and terrifying Zhao Xuan, is Lu Ziji a match But Lu Yu, facing the fierce and powerful Zhao Xuan, had a touch of sarcasm and contempt on his lips, and looked down upon him.The result was that he was crushed by Lu Yu with a merciless punch.
which will shorten the lifespan. But when it comes to the divine transformation stage, it has a lifespan of thousands of years, which is extraordinary.If he failed to persuade peace, he would still have to work hard.
Lu Yu was not flattered at all. He looked calm and said calmly His method is wrong What Hearing Lu Yu s words, Gou Rui was surprised and his beautiful eyes widened.No creature within a radius of dozens of miles can escape the pursuit.
They even killed several demon kings in the divine transformation stage under the Pegasus Demon God, causing the Pegasus Demon God to roar again and again, but they were helpless Seeing the performance of Luo Wenxing and Yan Xunnan, others were also shocked.Such strength was beyond their imagination. Although they knew how powerful Lu Yu was through Bohai Can Keto Gummies Cause Constipation? A Comprehensive Guide to Choosing the Right Product
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Elder Qing, that person is Lu Ziji What Lu Ziji When Fairy Mi finished speaking, Hu Yao and other disciples Hustle Butter CBD Luxe Review: A Comprehensive Guide to Tattoo Aftercare (naJKb)
in the interrogation room were all dumbfounded and horrified There were thick beads of sweat on his forehead, as if a faucet had been turned on, and it was flowing down How could they not know Lu Ziji s name During this period of time, it has completely caused a sensation in the entire Cangshan Star Cultivation World At the Baijiang Conference, he became famous in one fell swoop He successively killed Gong Haobo, Zhou Tianchou and other talented disciples.
This is not the first time that Wuhua Sect and Shenghua Sect have assessed and recruited disciples, and it is not a strange thing There is something more important now than Wuhua Sect and Shenghua Sect s assessment of disciples At this point, the man still said He carefully used a soundproofing method, but naturally he couldn t hide Lu Yu s eavesdropping, or he couldn t use eavesdropping.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.