{"id":105,"date":"2023-01-30T17:00:58","date_gmt":"2023-01-30T17:00:58","guid":{"rendered":"https:\/\/branded.staging.myfinancial-life.com\/fundamentos-financieros\/su-patrimonio-neto\/"},"modified":"2024-01-25T18:45:37","modified_gmt":"2024-01-25T18:45:37","slug":"su-patrimonio-neto","status":"publish","type":"page","link":"https:\/\/branded.staging.myfinancial-life.com\/es\/fundamentos-financieros\/su-patrimonio-neto\/","title":{"rendered":"Eval\u00fae su Patrimonio Neto"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Descubra-su-patrimonio-neto-y-lo-que-significa-para-su-salud-financiera\">Descubra su patrimonio neto y lo que significa para su salud financiera.<\/h2>\n\n\n\n<p>Su valor neto significa la cantidad de riqueza que tiene, y tambi\u00e9n mide su situaci\u00f3n financiera. Si su valor neto es alto, entonces es probable que usted est\u00e1 en buena salud financiera. Si su valor neto es bajo, entonces usted tiene trabajo que hacer. Pero eso est\u00e1 bien, porque siempre se puede mejorar su patrimonio neto con algunas t\u00e9cnicas de manejo de dinero.<\/p>\n\n\n\n<p>Antes de seguir adelante, vamos a ver cu\u00e1nto sabe acerca de este tema.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vamos-a-tomar-un-Quiz\">\u00a1Vamos a tomar un Quiz!<\/h3>\n\n\n\n<p><strong>Pruebe sus habilidades antes de empezar a ver la cantidad de ayuda que necesita. \u00bfPuede saltarse esta secci\u00f3n o necesita aprender m\u00e1s sobre este tema?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group container rounded-2xl p-10 flashcard has-kofe-info-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\">\u00bfCu\u00e1l es el valor de mercado de algo?<\/h3>\n\n\n\n<div class=\"wp-block-group answers has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>A.<\/strong> El precio original de compra x inflaci\u00f3n<\/p>\n\n\n\n<p class=\"correct\"><strong>B.<\/strong> El precio de compra<\/p>\n\n\n\n<p><strong>C.<\/strong> Precio promedio de venta en eBay<\/p>\n\n\n\n<p><strong>D.<\/strong> Lo que sea el valor actual<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button revealbtn\"><a class=\"wp-block-button__link has-kofe-secondary-background-color has-background wp-element-button\">Mostrar Respuesta<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group container rounded-2xl p-10 flashcard has-kofe-info-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\">\u00bfC\u00f3mo se calcula el valor neto?<\/h3>\n\n\n\n<div class=\"wp-block-group answers has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>A.<\/strong> Activos &#8211; Pasivos<\/p>\n\n\n\n<p class=\"correct\"><strong>B.<\/strong> La puntuaci\u00f3n de cr\u00e9dito x ingresos<\/p>\n\n\n\n<p><strong>C.<\/strong> Comerciabilidad personal \/ pereza<\/p>\n\n\n\n<p><strong>D.<\/strong> Ingresos \u2013 Deuda<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button revealbtn\"><a class=\"wp-block-button__link has-kofe-secondary-background-color has-background wp-element-button\">Mostrar Respuesta<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"C\u00f3mo-calcular-su-valor-neto\">C\u00f3mo calcular su valor neto<\/h3>\n\n\n\n<p>El c\u00e1lculo de su valor neto es f\u00e1cil. S\u00f3lo hay que restar el valor total de su carga de deuda del valor de mercado de los bienes importantes que tienes. Activos importantes incluyen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dinero en el banco<\/li>\n\n\n\n<li>Acciones y bonos<\/li>\n\n\n\n<li>Los fondos de inversi\u00f3n<\/li>\n\n\n\n<li>Las cuentas de jubilaci\u00f3n<\/li>\n\n\n\n<li>Bienes ra\u00edces<\/li>\n\n\n\n<li>Autom\u00f3viles<\/li>\n\n\n\n<li>Arte y antig\u00fcedades<\/li>\n<\/ul>\n\n\n\n<p>Por ejemplo, si sus activos ascienden a $ 75.000 y su deuda total es de $ 25.000, entonces su valor neto ser\u00eda de $ 50.000.\u00a0Use nuestra hoja de patrimonio para calcular su valor.<\/p>\n\n\n\n<div>\n    <a class=\"accordion-toggle accordion-block-btn btn btn-primary\" type=\"button\" data-target=\"block_575de291ecb16db352950262f86c54d0\">Hoja de Trabajo de Patrimonio Neto +<\/a>\n<\/div>\n\n<div class=\"overflow-hidden\" data-id=\"block_575de291ecb16db352950262f86c54d0\" style=\"max-height: 0px;\">\n    \n\n<div class=\"block-calculator\" data-block-id=\"block_3ee7e63b72a57babd4fc0cab4abc4c13\">\n            <div class=\"calc-block rounded-2xl\">\n            <script src=\"https:\/\/code.highcharts.com\/highcharts.js\"><\/script>\n<form class=\"form-horizontal separated-form grid-labeled-form worksheet\" id=\"frmBudAnal\" name=\"frmBudAnal\">\n    <div class=\"carousel relative rounded relative overflow-hidden\">\n                <div class=\"carousel-inner relative overflow-hidden w-full\">\n            <!--Income Worksheet-->\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-1\" name=\"carousel\" aria-label=\"Income Input\" aria-hidden=\"true\" hidden=\"\"\n                checked=\"checked\">\n            <div id=\"Income2\" class=\"carousel-item absolute opacity-0 control-1 hidden\">\n                <div id=\"incomeinput2\">\n                    <div id=\"noExtraIncome2\">\n\n                        <div class=\"form-head\">\n                            <div class=\"row flex\">\n                                <h4 class=\"w-1\/2 font-bold\">Activos<\/h4>\n                                <h4 class=\"w-1\/2 font-bold\">Valor<\/h4>\n                            <\/div>\n                        <\/div>\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"yincome2\">Casa <\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"yincome2\" name=\"yincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"spincome2\">Auto<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"spincome2\" name=\"spincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"peincome2\">Segundo auto<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"peincome2\" name=\"peincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"ssi2\">Dinero en Efectivo<\/label>\n                                <\/div>                    \n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"ssi2\" name=\"ssi2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"uincome2\">Fondo de Retiro<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"uincome2\" name=\"uincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"dincome2\">Anualidades\/ Rentas Vitalicias<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"dincome2\" name=\"dincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"acincome2\">P\u00f3lizas de seguro de vida<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"acincome2\" name=\"acincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"rincome2\">Acciones\/ Bonos\/ Fondos Mutuos<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"rincome2\" name=\"rincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n                        \n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"otherrealassets\">Otros bienes ra\u00edces<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"otherrealassets\" name=\"otherrealassets\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"rvassets\">Veh\u00edculos Recreativos<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"rvassets\" name=\"rvassets\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        \n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"otherassets\">Activos<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"otherassets\" name=\"otherassets\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                    <\/div>\n\n                    <div class=\"extraIncome2\"><\/div>\n\n                <\/div>\n\n\n                <div class=\"form-group addrow\">\n                    <div class=\"row flex\">\n                        <div class=\"col-md-6\">\n                            <a class=\"font-bold\" id=\"addIncome2\"><u>Agregar<\/u> +<\/a>\n                        <\/div>\n                    <\/div>\n                <\/div><!--\/form-group-->\n\n\n                <div class=\"form-group totaldiv\">\n                    <div class=\"row flex\">\n                        <div class=\"w-1\/2 font-bold\">\n                            <label for=\"totalincome2\">Total de Activos<\/label>\n                        <\/div>\n                        <div class=\"w-1\/2 flex totalcol\">\n                            $ <input type=\"number\" id=\"totalincome2\" name=\"totalincome2\" class=\"form-control\" readonly disabled \/>\n                        <\/div>\n                    <\/div>\n                <\/div><!--\/form-group-->\n            <\/div>\n            <label for=\"carousel-4\" class=\"next control-1 hidden z-100\">\n                <a class=\"btn btn-primary float-right flex items-center\" type=\"button\">Siguiente \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-chevron-right ml-2\" viewBox=\"0 0 16 16\">\n                        <path fill-rule=\"evenodd\" d=\"M4.646 1.646a.5.5 0 0 1 .708 0l6 6a.5.5 0 0 1 0 .708l-6 6a.5.5 0 0 1-.708-.708L10.293 8 4.646 2.354a.5.5 0 0 1 0-.708z\"\/>\n                    <\/svg>\n                <\/a>\n            <\/label>\n\n            <!--Discretionary Expenses Worksheet-->\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-4\" name=\"carousel\" aria-label=\"Next\" aria-hidden=\"true\" hidden=\"\">\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-4-4\" name=\"carousel\" aria-label=\"Previous\" aria-hidden=\"true\" hidden=\"\">\n            <div id=\"DiscretionaryExpenses2\" class=\"carousel-item absolute opacity-0 control-4 hidden\">\n\n                <div id=\"discreinput2\">\n                    <div id=\"noExtraDis2\">\n\n                        <div class=\"form-head\">\n                            <div class=\"row flex\">\n                                <h4 class=\"w-1\/2 font-bold\">Deudas<\/h4>\n                                <h4 class=\"w-1\/2 font-bold\">Valor<\/h4>\n                            <\/div>\n                        <\/div>\n\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"disenter2\">Saldo de Hipoteca<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"disenter2\" name=\"disenter2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"disdining2\">Saldo de segunda hipoteca<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"disdining2\" name=\"disdining2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"disclothing2\">Primer pr\u00e9stamo de auto<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"disclothing2\" name=\"disclothing2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"dissports2\">Segundo pr\u00e9stamo de auto<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"dissports2\" name=\"dissports2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"discharitable2\">Hipotecas sobre otras Propiedades<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"discharitable2\" name=\"discharitable2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"disgifts2\">Pr\u00e9stamos sobre Veh\u00edculos Recreativos<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"disgifts2\" name=\"disgifts2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"disbooks2\">Balances de todas las tarjetas de cr\u00e9dito<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"disbooks2\" name=\"disbooks2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"discig2\">Pr\u00e9stamos Estudiantiles<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"discig2\" name=\"discig2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"distravel2\">Veh\u00edculos Recreativos<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"distravel2\" name=\"distravel2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"debtother\">Deudas<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"debtother\" name=\"debtother\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                    <\/div>\n\n                    <div class=\"extraDiscretionary2\"><\/div>\n                <\/div>\n\n                <div class=\"form-group noprint addrow\">\n                    <div class=\"row flex\">\n                        <div class=\"col-md-6\">\n                            <a class=\"font-bold\" id=\"addDiscretionary2\"><u>Agregar<\/u> +<\/a>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n\n                <div class=\"form-group totaldiv\">\n                    <div class=\"row flex\">\n                        <div class=\"w-1\/2 font-bold\">\n                            <label for=\"totaldiscretionary2\">Total de Deudas<\/label>\n                        <\/div>\n                        <div class=\"w-1\/2 flex totalcol\">\n                            $ <input type=\"number\" id=\"totaldiscretionary2\" name=\"totaldiscretionary2\" class=\"form-control\" readonly disabled \/>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n            <label for=\"carousel-1\" class=\"control-4 hidden\">\n                <a class=\"btn btn-primary float-left flex items-center\" type=\"button\">\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-chevron-left mr-2\" viewBox=\"0 0 16 16\">\n                        <path fill-rule=\"evenodd\" d=\"M11.354 1.646a.5.5 0 0 1 0 .708L5.707 8l5.647 5.646a.5.5 0 0 1-.708.708l-6-6a.5.5 0 0 1 0-.708l6-6a.5.5 0 0 1 .708 0z\"\/>\n                    <\/svg> Anterior                <\/a>\n            <\/label>\n            <label for=\"carousel-5\" class=\"control-4 hidden\">\n                <a class=\"btn btn-primary float-right\" type=\"button\" id=\"confirmpage\" name=\"confirmpage\">Enviar<\/a>\n            <\/label>\n            \n            <!--Results-->\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-5\" name=\"carousel\" aria-label=\"Worksheet Results\" aria-hidden=\"true\" hidden=\"\">\n            <!--Start Print-->\n            <div id=\"resultlog2\" class=\"carousel-item opacity-0 control-5 hidden w-full\">\n                <div id=\"containercharts\"><\/div>\n                &nbsp;\n                &nbsp;\n                <div id=\"clientlog2\">\n                    <div id=\"incomeprint2\">\n                        <h3>Calcule su patrimonio neto<\/h3>\n                        <div class=\"table-settings\">\n                        <div class=\"form-head\">\n                            <div class=\"row flex\">\n                                <div class=\"leftouter\"><h4>Activos<\/h4><\/div>\n                                <div class=\"rightouter\"><h4>Valor<\/h4><\/div>\n                            <\/div>\n                        <\/div>\n\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"yourincome\">Casa <\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"yourincome\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"spouseincome\">Auto<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"spouseincome\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"pensionincome\">Segundo auto<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"pensionincome\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"ssincome\">Dinero en Efectivo<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"ssincome\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"unemployincome\">Fondo de Retiro<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"unemployincome\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"disincome\">Anualidades\/ Rentas Vitalicias<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"disincome\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"alimonyincome\">P\u00f3lizas de seguro de vida<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"alimonyincome\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"rentincome\">Acciones\/ Bonos\/ Fondos Mutuos<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"rentincome\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"realestate\">Otros bienes ra\u00edces<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"realestate\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"recveh\">Veh\u00edculos Recreativos<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"recveh\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"assets\">Activos<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"assets\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"otherincome\">Otro<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"otherincome\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording total\" for=\"totincome\">Total de Activos<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printincome2\" id=\"totincome\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <\/div>\n                    <\/div>\n                    &nbsp;\n                    <div id=\"discreprint2\">\n                        <div class=\"table-settings\">\n                        <div class=\"form-head\">\n                            <div class=\"row flex\">\n                                <div class=\"leftouter\"><h4>Deudas<\/h4><\/div>\n                                <div class=\"rightouter\"><h4>Valor<\/h4><\/div>\n                            <\/div>\n                        <\/div>\n\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"entertainments\">Saldo de Hipoteca<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"entertainments\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"diningout\">Saldo de segunda hipoteca<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"diningout\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"clothing\">Primer pr\u00e9stamo de auto<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"clothing\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"sportshob\">Segundo pr\u00e9stamo de auto<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"sportshob\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"charitdon\">Hipotecas sobre otras Propiedades<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"charitdon\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"gifts\">Pr\u00e9stamos sobre Veh\u00edculos Recreativos<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"gifts\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"booksnews\">Balances de todas las tarjetas de cr\u00e9dito<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"booksnews\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"cigsbeer\">Pr\u00e9stamos Estudiantiles<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"cigsbeer\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"travelexp\">Veh\u00edculos Recreativos<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"travelexp\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"debts\">Deudas<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"debts\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording\" for=\"otherdiscexp\">Otro<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"otherdiscexp\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"row flex\">\n                            <div class=\"leftouter \">\n                                <div class=\"leftinnerlabel \">\n                                    <label class=\"wording total\" for=\"totdiscesxp\">Total de Deudas<\/label>\n                                <\/div>\n                            <\/div>\n                            <div class=\"rightouter \">\n                                <div class=\"rightinnerolabel\">\n                                    <span class=\"dollarsign\">$ <\/span>\n                                    <input type=\"number\" class=\"printdiscre2\" id=\"totdiscesxp\" \/>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                \n            <\/div>\n            <label for=\"carousel-4-4\" class=\"control-5 hidden\">\n                <a class=\"btn btn-primary float-left flex items-center\" type=\"button\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-chevron-left mr-2\" viewBox=\"0 0 16 16\">\n                        <path fill-rule=\"evenodd\" d=\"M11.354 1.646a.5.5 0 0 1 0 .708L5.707 8l5.647 5.646a.5.5 0 0 1-.708.708l-6-6a.5.5 0 0 1 0-.708l6-6a.5.5 0 0 1 .708 0z\"\/>\n                    <\/svg> Anterior<\/a>\n            <\/label>\n            <div class=\"row control-5 hidden float-right mt-4 mb-4\">\n                <button type=\"button\" class=\"btn btn-primary mr-4 z-10\" id=\"printButton\" name=\"printButton\">Imprimir<\/button>\n                <button type=\"button\" class=\"btn btn-primary z-10\" id=\"exportbuttonNetWorth\" name=\"exportbuttonNetWorth\">Exportar<\/button>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/form>\n            <\/div>\n            \n            \n        <\/div>\n\n\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"La-determinaci\u00f3n-del-valor-de-mercado\">La determinaci\u00f3n del valor de mercado<\/h3>\n\n\n\n<p>El valor de mercado es lo que sus activos son actualmente un valor si se estuviesen vendiendo en la actualidad. Por ejemplo, los autom\u00f3viles y otros veh\u00edculos casi siempre pierden valor con el tiempo. Por el contrario, el valor de las viviendas u otros bienes por lo general aumenta con el tiempo en una econom\u00eda estable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"La-comprensi\u00f3n-del-valor-negativo\">La comprensi\u00f3n del valor negativo<\/h3>\n\n\n\n<p>No se alarme si usted tiene un patrimonio neto negativo. Tras el colapso del mercado inmobiliario en 2008, muchos consumidores vieron su valor neto desplomarse debido a que los valores de origen disminuyeron por debajo de las cantidades pendientes de pago en las hipotecas.<\/p>\n\n\n\n<p>Desde entonces, el mercado ha mejorado, y su valor neto ha mejorado con suerte junto con \u00e9l. Si no es as\u00ed, esto todav\u00eda no significa que est\u00e1s en problemas financieros. Si paga sus tarjetas de cr\u00e9dito o tiene bajos los saldos de ellas, mantiene un presupuesto equilibrado, y guarda constantemente, su bienestar financiero se considera saludable, incluso si usted tiene un patrimonio neto negativo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"La-mejora-de-su-valor-neto\">La mejora de su valor neto<\/h3>\n\n\n\n<p>Su valor neto cambia constantemente en funci\u00f3n de los valores de mercado actual, los activos y la deuda. Mantener una actitud positiva debe ser una meta. Pagar sus deudas, aumentar el ahorro y ed\u00faquese en cuestiones financieras con nosotros.<\/p>\n\n\n\n<p>S\u00f3lo haciendo esto se mantendr\u00e1 en movimiento en una direcci\u00f3n positiva.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Descubra su patrimonio neto y lo que significa para su salud financiera. Su valor neto significa la cantidad de riqueza que tiene, y tambi\u00e9n mide su situaci\u00f3n financiera. Si su valor neto es alto, entonces es probable que usted est\u00e1 en buena salud financiera. Si su valor neto es bajo, entonces usted tiene trabajo que [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":247,"parent":96,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-sidebar","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"tags":[33],"class_list":["post-105","page","type-page","status-publish","has-post-thumbnail","hentry","tag-patrimonio-neto"],"acf":[],"featured_image_src":"https:\/\/branded.staging.myfinancial-life.com\/wp-content\/uploads\/sites\/17\/2024\/01\/Evaluate-Your-Net-Worth-2.jpg","featured_image_src_square":"https:\/\/branded.staging.myfinancial-life.com\/wp-content\/uploads\/sites\/17\/2024\/01\/Evaluate-Your-Net-Worth-2.jpg","_links":{"self":[{"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/pages\/105","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/comments?post=105"}],"version-history":[{"count":1,"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/pages\/105\/revisions"}],"predecessor-version":[{"id":199,"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/pages\/105\/revisions\/199"}],"up":[{"embeddable":true,"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/pages\/96"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/media\/247"}],"wp:attachment":[{"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/media?parent=105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/categories?post=105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/branded.staging.myfinancial-life.com\/es\/wp-json\/wp\/v2\/tags?post=105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}