{"id":34738,"date":"2018-12-07T12:54:02","date_gmt":"2018-12-07T17:54:02","guid":{"rendered":"http:\/\/innovatori.space\/lat21\/?p=34738"},"modified":"2018-12-07T19:12:26","modified_gmt":"2018-12-08T00:12:26","slug":"el-buen-uso-del-aguinaldo","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=34738","title":{"rendered":"El buen uso del aguinaldo"},"content":{"rendered":"<div id=\"attachment_34739\" style=\"width: 810px\" class=\"wp-caption alignnone\"><a href=\"http:\/\/l21.mx\/wp-content\/uploads\/2018\/12\/Aguinaldo-2018.jpg\" data-rel=\"penci-gallery-image-content\" ><img fetchpriority=\"high\" decoding=\"async\" aria-describedby=\"caption-attachment-34739\" class=\"wp-image-34739 size-full\" src=\"http:\/\/l21.mx\/wp-content\/uploads\/2018\/12\/Aguinaldo-2018.jpg\" alt=\"\" width=\"800\" height=\"600\" srcset=\"https:\/\/l21.mx\/wp-content\/uploads\/2018\/12\/Aguinaldo-2018.jpg 800w, https:\/\/l21.mx\/wp-content\/uploads\/2018\/12\/Aguinaldo-2018-300x225.jpg 300w, https:\/\/l21.mx\/wp-content\/uploads\/2018\/12\/Aguinaldo-2018-768x576.jpg 768w, https:\/\/l21.mx\/wp-content\/uploads\/2018\/12\/Aguinaldo-2018-585x439.jpg 585w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><p id=\"caption-attachment-34739\" class=\"wp-caption-text\">Seg\u00fan el art\u00edculo 87 de la Ley Federal del Trabajo, los patrones est\u00e1n obligados a realizar un pago de al menos el equivalente a 15 d\u00edas de salario, as\u00ed como que este pago debe ser recibido antes del 20 de diciembre. Foto: primeraplananoticias<\/p><\/div>\n<p><strong>Cuando alguien de la familia, del trabajo o del grupo de amigos, empieza a organizar el intercambio de regalos, sabes que ya se acab\u00f3 el a\u00f1o, nos alcanz\u00f3 diciembre y con ello, se venci\u00f3 el plazo para cumplir con todas las promesas hechas con las uvas en 2017.<\/strong><\/p>\n<p>\u00bfSuena lejano 2017?, pues as\u00ed de r\u00e1pido pasa el tiempo.<\/p>\n<p>En caso de que salgas con maletas vac\u00edas a la calle en A\u00f1o Nuevo para tener muchos viajes el siguiente a\u00f1o, o que poseas una variada colecci\u00f3n de borregos de la abundancia para tener <strong>buenas finanzas personales<\/strong>, pero no has visto resultados, es momento de concretar esos objetivos.<\/p>\n<p>Si eres de los afortunados que este a\u00f1o va a recibir aguinaldo, debes saber algunos puntos importantes. <strong>Seg\u00fan el art\u00edculo 87 de la Ley Federal del Trabajo<\/strong>, los patrones est\u00e1n obligados a realizar un pago de al menos el equivalente a 15 d\u00edas de salario, as\u00ed como que este pago debe ser recibido antes del 20 de diciembre.<\/p>\n<p>Este dinero que est\u00e1s por recibir no es un regalo o un bono por parte de tu empresa, es una prestaci\u00f3n que tienes derecho a recibir por la actividad laboral que realizaste durante el a\u00f1o que est\u00e1 por finalizar, <strong>por lo que es resultado de tu esfuerzo<\/strong>. Por lo tanto, \u00bfno ser\u00eda mejor hacer rendir m\u00e1s y mejor ese dinero?<\/p>\n<p>Seg\u00fan la Condusef, 40% de los mexicanos gasta todo su aguinaldo en regalos, comida y compras navide\u00f1as. Sin embargo, expertos en finanzas personales s<strong>e\u00f1alan que el aguinaldo debe dividirse en 4 partes<\/strong>.<\/p>\n<ul>\n<li><strong>25% a metas de mediano plazo, como el enganche de un auto.<\/strong><\/li>\n<li><strong>25% al pago de deudas, como tarjetas de cr\u00e9dito.<\/strong><\/li>\n<li><strong>25% para gastos de la temporada navide\u00f1a, como regalos.\u00a0<\/strong><\/li>\n<li><strong>25% para el ahorro, para cuando decidas retirarte.\u00a0<\/strong><\/li>\n<\/ul>\n<p>En caso de no tener deudas o metas a mediano plazo, se puede invertir mayor porcentaje al ahorro para el retiro. <strong>Una de las mejores opciones para concretar el ahorro<\/strong> y a la vez estar protegido contra alguna eventualidad como un accidente o una enfermedad, es un Seguro de Vida con componente de Ahorro.<\/p>\n<p><em>\u201cEl ahorro a largo plazo no forma parte de la cultura del mexicano <strong>ni se contempla entre las prioridades de las familias<\/strong>, sin embargo, en esta \u00e9poca del a\u00f1o, el buen uso del aguinaldo, es una buena manera de comenzar con el ahorro para el logro de objetivos concretos<\/em>\u201d, asegur\u00f3 Arturo Zambrano, gerente de estrategia de productos de Seguros Monterrey New York Life.<\/p>\n<p>Con un ahorro de este tipo, te proteges a ti y a los tuyos, en caso de que les llegaras a hacer falta. <strong>Una de sus ventajas<\/strong> es que te da la opci\u00f3n de decidir la cantidad que puedas aportar cada mes, as\u00ed como el tiempo de la inversi\u00f3n. Al cumplir el tiempo establecido, se tiene acceso al ahorro y ahora s\u00ed, a cumplir con esos objetivos pendientes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cuando alguien de la familia, del trabajo o del grupo de amigos, empieza a organizar el&hellip;<\/p>\n","protected":false},"author":69,"featured_media":34739,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[4,23],"tags":[],"class_list":["post-34738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-empresas-y-negocios","category-noticias"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El buen uso del aguinaldo | Revista Latitud 21<\/title>\n<meta name=\"description\" content=\"L21, Emprendedores y 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