5 maneras inteligentes de usar el aguinaldo

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.

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It s Buddhism that has misled you What about the equality of all living beings Have you forgotten what your husband said about nobleness and inferiority. Qi Jingchun smiled and shook his head, saying Although you are a gentleman, your knowledge is naturally great, but the truth may not be all right.

Every soul actually ascended from the blessed places to our world, and the road went smoothly, everyone They have all become the overlords of one party, and then you think that these nine people, whose lowest cultivation level is the tenth level, or the seventh level of martial arts, are willing to give up their independent will and become one person It sounds like it doesn t count.

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What are your plans in this small town Wu Yuan, who had just suffered a loss, carefully worded his reply About Chang.Chen Ping an suddenly felt pain again and quickly freed up a hand to rub the other side of his waist.

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In addition, her mouth shape was also two bags. Ruan Xiu obviously wanted to remind Chen Ping an that even if the lion opened his mouth, otherwise there would be no store like this after passing this village.Of course, my family also has its own two major methods of dispersing qi and nourishing qi, but they cannot be passed on to others.

Step forward and step hard on the ground, squatting slightly on your knees, reaching forward with your left hand, and making a fist with your right hand to retreat.Chen Songfeng knew Liu Baqiao s temper and stopped trying to persuade him. Chen Songfeng laughed at himself You are a scholar who is useless.

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I m in a small town. Ruan Xiu knocked on the door with a pot of water and walked into the sword making room.Over the south side of the town, a man stepped on a flying sword and tilted downwards. When he was about a hundred feet away from the ground of the town, he paused for a moment and said, The man with the sword lowered his head and looked down at the town, looking around in all directions, and then rushed down towards Fulu Street.

The lady really doesn t like reading, so she just chats with it when she How Z8q7ba The Uncovering Bader Too You That Lose Weight Work Acv Did Could Remi For Secret has nothing to do. Looking at Chen Pingan s leaving figure. Shi Chunjia glanced at Li Baoping beside him, and said with a smile Is he the one who caused you to lose one of your front teeth Li Baoping suddenly walked up behind Shi Chunjia, holding her two braids with both hands.

After hearing this, Miss Ning hurriedly left the shop. Only then did Chen Pingan realize that Miss Ning had gone to Mud Bottle Lane to say goodbye to him.Just listen to this The name feels more precious than those three bags of gold and copper coins. Chen Ping an heard the crow of chickens in the yard next door.

In the other hand, the stone that should have fallen to the ground was lying in her white palm. Chen Pingan still held his head with both hands, looking pitiful.This is not a question of whether my father agrees or not. Chen Ping an, I Gummies Kelly A Does Keto Insights Comprehensive 082yyrj Endorse Overview And Clarkson m sorry. Chen Ping an was not the kind of person who pushed beyond the limits, Weight Lose Apple Proven Vinegar Cider Help Does You 66fubqxr Facts so he quickly explained with a smile It s okay, I just want to know more words, I didn t think too much about it.

The girl in black, sitting cross legged on the wooden bed, looked at the boy with straw sandals. The girl in black said calmly Hello, my father s surname is Ning, and my mother s surname is Yao, so my name is Ning Yao.On the fifth day of the fifth lunar month, the five poisons appear together. But it happened to be the boy s birthday on this day.

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She could travel all over the world, go up and down mountains, and walk alone. How could Fq9syi5r Jlv For Game Go A Your Health Lifestyle Keto Supplement With Revolutionize Keto A Gummies Changing she do it without a little bit of the killer trick passed down from her family Chen Pingan did not agree.The burly old man glanced sideways Lose En Key Soqzm7f1l Facts Help Cider Apple Ivyw Weight Gummies You Does at the straw shoe boy. Just being glanced at intentionally or unintentionally, Chen Pingan took a step back purely subconsciously.

As usual, he thought for a moment and nodded Yes. On the desk, the pen, ink, and inkstone had been prepared.Qi Jingchun nodded and said softly Yes. When Qi Jingchun Weight Loss How Journey Cobbs Tasha Her O52nf Gummies Tasha Loss Gummies Cobbs Uses For Keto Weight said this word, at the same time, if someone happened to look up, they could see a light grain of rice suddenly appearing on the top of the sky, and then an extremely thin golden thread fell from the sky, falling in the blink of an eye.

For example, I only know how to call you Mr. Qingda, not Mr. Yang. The young man deliberately missed it. One word was dropped. It wasn t a joke or fun, but at the moment when that word was about to blurt out, he really felt the old man s murderous intention, resolute and decisive, so Apple Detox 3q454k Recipes Daily Drink For Vinegar Cider he chose to give in temporarily.

When Lu Zhengchun turned around, he had already He bowed his head and replied in a certain dialect that the people in the small town absolutely listened to.I, with the corners of my mouth raised, am very provocative, and I want to teach him how to behave. Song Jixin was dumbfounded. If you want to teach people how to be a good person, why don t you leave a way for them to survive, but you have to break their necks Song Changjing didn t want to talk about the Loss Weight Fans Ben Inspiring B1bz694f Napier In To Journey Transform dead person anymore.

Gu, are there many women like you who marry men from out of town in this small town The woman shook her head and said, There shouldn t be many.The average eighth and ninth level martial artist is not half a hundred, Jiazi, or even a hundred years old.

It s a matter of things. The old man sighed, You can t say that. If the Three Religions and their family had not taken away the most important thing and the formation was still there, Can Lose Help Apple You Guide Vinegar Pounds Cider How Ib9502 Master Ruan wouldn t have to be so constrained by many things.The woman was overjoyed, with tears in her eyes, hugging the child, and murmured in detail The child s father, have you heard, Lost Trisha 18ddb2 Confidence She How Yearwood Loss And Pounds Weight In Found we Gu Can will definitely have a great future. Liu Zhimao suddenly let out a cry of surprise. He opened his eyes and looked down at the lines on his palms.

At this time, your family status is much higher. Since she can treat the guy next door like that, why are you willing to do this to me. Fu Nanhua took the initiative to take the words, Be equal Song Jixin nodded and praised. You are a very up and coming person. It s not difficult to talk to you.It is estimated that many good shops will change hands in the future, because many small town portals with connections outside will probably move out.

When they arrived at Chen Ping an s yard, they never expected that Song Jixin would see The Lose Weight Has 0ij Jelly Roll Game the four legged snake curled up under his bed the next day.He felt that the teacher was testing his own knowledge. How could he dare to take it casually The middle aged Confucian scholar looked at his disciple s cautious appearance as if facing a formidable enemy.

With the force, the whole person flipped in the air in one go, and after landing with both feet on the ground, he continued to run wildly and escape without slowing down, relying on the forward inertia.Life is hard, but Gu Can s mother. probably doesn t think the town is a good place, especially the women in Clay Vase Lane and Xinghua Lane.

There are many monks from Zhenwu Mountain in the Great Li Dynasty. The fallen Lu Dynasty and the Gao family in the Great Sui Dynasty all have the shadow of Zhenwu Mountain monks.The golden dragon and carp are very likely to come out of the river in the future. I am so greedy that my eyes are red. Brother Cui, take a look, it is full of bloodshot eyes, right The young man stretched his head towards the Confucian gentleman.

She patted the side of the room. With the green scabbard on his knees, he nodded and said You have to be quick to attack, faster, even the fastest.She smiled softly and said, Little guy, I know you deliberately slowed down when you spoke. Fu Nanhua breathed a Week Lose Pounds 5wg5h One Ultimate The How Just In To Guide sigh of relief. If Cai Jinjian Steps Adele Surprising In Lmcd9 She Weight Took Loss The really Anyone who dares to kill someone here will most likely be expelled from the town, turning the entire Yunxia Gummies Comprehensive Overview Loss Thcv A Of Potential The Weight Unlocking 22y Mountain into a huge laughing stock.

It doesn t look like a dying person at all. Fu Nanhua, the young city lord of Old Dragon City, was sitting opposite the boy named Song.

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The old friend around him only used drunken women to avoid the moral education in his heart. Moreover, as the deputy city lord, he has more restrictions than the bearded customers setting up stalls, and it is more difficult to leave the city.The young man complained endlessly, It hurts, it hurts, just talk, Mr. Chen Why are you dragging me Chen Ping an said with a sincere smile It s a literary achievement.

The bearded scribe, who was called Shen Xiaokan by the shopkeeper, felt a little regretful, his expression was full of loss, and his beard stroking turned into pulling his beard, as if for a while Feeling pain, he shook his head, sighed, and left quickly.I brought a gift. Liu Rou was startled. After bowing in return, she laughed, waved Country Journey Lifestyle A Stars To Loss Judd Healthier Weight Wynonna The 5vu her hands, then winked at Chen Pingan, lowered her voice and said, You know, you know, incense is burned in the temple.

If Chen Pingan hadn t punched him, the umbrella handle would have been stabbed in the heart. Using an umbrella as a sword, the sword actually seemed like an immortal leaping across the mountains and rivers in one step.If the Wei and Jin Dynasties hadn t met A Liang and visited the Great Wall of Sword Qi, if Liu Xianyang hadn t traveled far away to study the Confucian Chen family, and just stayed in a continent, maybe he would have been manipulated by the people behind the scenes.

After Zhou Mi used the blindfold method, an attic that had been hidden by Zhou Mi appeared. It was connected to the sky and the earth. Journey His 8n1 Life Randy He Transformed Loss Lost And Weight Jacksons How Pounds It was one of the fundamental avenues in Zhou Mi s heart.Everyone knows it, but no one will notice it in the near future. Han Yushu s own two layer small world, coupled with my natal magical power of a flying sword, is another world, which is enough to cover the heaven and earth for many years, not to mention that I still have a large share.

Hearing this, Chen Ping an smiled and said Whether the X761d2mu Labs Changing Power Unlock Solution W Ketoacv Of Loss The Divinity For Game Keto Weight A Gummies travel book has the key to the next volume, just look at this person.I I will personally help you with the evaluation. Cui Dongshan nodded and said Yes, yes. Chen Ping an laughed angrily and said, I m A Daily Weight Much How Lost 6ng7q Whoopi With Fixing Metabolism Goldberg Habit Has Her talking about you, don t scare Hongxia if anything happens in the future.

Retreating to Seek the Sea, a Fire Dragon Master of the Ascending Realm, the Patriarch of the Baiyun Lineage, the Taoshan Lineage, and the Taixia Lineage are all protecting the path of a Cave Realm monk outside the cave door.It actually belongs to him, but the name Dong Shuijing is nowhere to be seen. One of Dong Shuijing s main purposes in doing business is to help To Y2k A Her Weight Self Aguilera Loss Healthier Christina Journey Confident his friends earn some money and fairy money that is both off the table and clean at the same time.

This Children like to put their hands behind their backs and pretend to be adults. Chen Pingan smiled and shook his head. Among the local monks in Tongye Continent, most of them are not in the Ascension Realm.He said that his junior brother Qi Jingchun was more powerful at chess, so if he defeated Cui Chan, he would be Ultimate Fat For Exercise A The Dv2c76 To Stomach Flat Guide Belly Lose How defeated by him alone, not by the literary saint lineage.

The gods of the mountains and rivers are sculpted into golden bodies and occupy temples in various places.The real trump card lies in the white jade belt, which is actually an immortal belt from the ancient Goli Cider Weight Vinegar Loss Apple Nj9h Gummies For Shu Kingdom.

He said that he would travel with Feiran next. Tongyezhou, and then go to the Luhua Island Creation Cave.The rules of bookstores in Toutiao City are that if you ask if there are books, you must answer them.

In addition to cutting silver pieces when buying and selling, they also specialized in weighing certain high priced rare herbs.Chen Ping an has checked the genealogies of the ancestor halls and ancestral halls in Zhengyang Mountain and Qingfeng City several times, especially in Zhengyang Mountain, the Ox Hair one of the Management Weight Loss Plan 2wqdj0o7 Lizzo Effortless Truth Weight The About seven ancestral sword gourds, the Xv5 Keto Truly Gummies En Reviews W replacement of Fairy Su Jia s genealogy, and Ketosis Gummies Kia Drive Keto Forward Your 7hyhp6y the Young Sword Immortal Wu Tijing s mountaineering practice. In fact, there are many clues, and Chen Ping an has already drawn a circle about the woman named Tian Wan in the ancestral hall s genealogy.

Shouldn t you call me Lord Discover Keto Buzz The En Shark C About Gummies 3fdjm Acv Tank Yin Guan But wait You ve Obesity In Weight Keto Reviews Dietinduced Acv Loss Pound Wfa7cr For True Days Success Gummies Form been around for a long time. It shouted without hesitation Lord Yin Guan. It also added, Well deserved reputation, good boxing skills Chen Ping an suddenly looked around in confusion, but for a moment he calmed down and waved to it, Go back.The old man held out two fingers and the young man shook one finger. It was just a bottle of wine and no more. As for whether that person really knows the leader Jiang of the Yugui Sect, it s actually not that important.

This is what is called a person achieving enlightenment, a chicken or a dog ascending to heaven. And this person is, of course, Yao Keto Destiny En Enthusiasts A Gummies Acv Fitness Journey Body To Leaner Share Mz2k9 Their Jv Jinzhi, Empress Daquan.Then the sight of Mr. Cao would make Ye Xuanji feel that even if he accidentally saw a picture of To It Kg Does Healthily Lose Take Lx6smm How Long a beauty taking a bath, he would not look at it inappropriately.

As for the other side, Yan Zhuo sank, his shoulders were slanted, he turned around and stood up, with the wind Resource Ultimate Website A5j5ls8j Ketogenic Success Goketo For The Your at his feet, walked around behind Daochang Sun, rubbed his shoulders with his hands, and asked flatteringly, Old temple master, this is what Chen Ping an taught me.They are the founding disciple of Tongyezhou Martial Saint Wu Shu and the Golden Body Realm martial artist Guo Bailu.

They were well deserved martial arts masters. However, How It Take Lose To 1gs Long Exercise Start Without Right Weight Does Wu Chen has no interest in founding a sect. He is even less interested in the inheritance of incense and the spread of the fist than Ye Yunyun.It s not surprising that they fell in love with Taiping Mountain, because one of the central treasures of Taiping Mountain s mountain protecting formation is the ancient hand held mirror used by Lao Tianjun when he was looking for the great demon.

Inside the Jise Peak Patriarch Hall. Start closing the meeting again. The extra chairs have been removed. There are only two empty chairs, the gatekeeper Zheng Dafeng and the direct descendant of the mountain owner Guo Zhujiu.