{"id":207,"date":"2023-01-30T17:00:58","date_gmt":"2023-01-30T17:00:58","guid":{"rendered":"https:\/\/y12fcu.staging.kofetime.com\/fundamentos-financieros\/su-patrimonio-neto\/"},"modified":"2023-04-05T20:35:23","modified_gmt":"2023-04-05T20:35:23","slug":"su-patrimonio-neto","status":"publish","type":"page","link":"https:\/\/y12fcu.staging.kofetime.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-la-salud-de-sus-finanzas\">Descubra su patrimonio neto y lo que significa para la salud de sus finanzas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El patrimonio neto es la cantidad de riqueza que usted posee, adem\u00e1s mide su situaci\u00f3n financiera. Si su patrimonio neto es alto, esto significa que usted posee una buena salud financiera, si su por el contrario su valor es bajo, entonces su situaci\u00f3n financiera no est\u00e1 del todo bien y necesita mejorarla. Siempre se puede mejorar el patrimonio neto y por ende su situaci\u00f3n financiera mediante el uso de t\u00e9cnicas de manejo de dinero.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de que ahondemos m\u00e1s en el tema, vamos a probar sus habilidades en esta materia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Prueba-de-conocimientos-de-KOFE\">Prueba de conocimientos de KOFE<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ponga a prueba sus conocimientos antes de empezar y averig\u00fce cu\u00e1nta ayuda realmente necesita. \u00bfPuede ojear est\u00e1 secci\u00f3n o quiere m\u00e1s tiempo para revisar el tema?<\/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\">\u00bfQu\u00e9 es el valor de mercado?<\/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 class=\"wp-block-paragraph\"><strong>A.<\/strong> El precio de compra m\u00e1s la inflaci\u00f3n<\/p>\n\n\n\n<p class=\"correct wp-block-paragraph\"><strong>B.<\/strong> El precio de compra \u2013 la cantidad que todav\u00eda debe<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C.<\/strong> El precio de venta promedio en eBay<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>D.<\/strong> Lo que valga el bien en este momento<\/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 patrimonio 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 class=\"wp-block-paragraph\"><strong>A.<\/strong> Activos &#8211; Pasivos<\/p>\n\n\n\n<p class=\"correct wp-block-paragraph\"><strong>B.<\/strong> Puntaje de Cr\u00e9dito x Ingreso<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C.<\/strong> Mercadeo Personal \/ Flojera<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>D.<\/strong> Ingreo \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=\"Como-calcular-su-patrimonio-neto\">C\u00f3mo calcular su patrimonio neto<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Calcular su patrimonio neto es muy sencillo. Simplemente substraiga del monto total de sus deudas el valor de mercado de sus activos, estos incluyen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dinero en el banco<\/li>\n\n\n\n<li>Bonos y acciones<\/li>\n\n\n\n<li>Fondos mutuos de inversi\u00f3n<\/li>\n\n\n\n<li>Cuentas de retiro<\/li>\n\n\n\n<li>Propiedades inmobiliarias<a><\/a><\/li>\n\n\n\n<li>Autom\u00f3viles<\/li>\n\n\n\n<li>Obras de artes y antig\u00fcedades<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, si el total de sus activos suman $75,000 y el total de todas sus deudas suman $25,000 entonces su patrimonio neto es de $50,000.&nbsp;Use nuestra hoja de trabajo de patrimonio neto para calcular su patrimonio.<\/p>\n\n\n\n<div>\n    <a class=\"accordion-toggle accordion-block-btn btn btn-primary\" type=\"button\" data-target=\"block_45a83da7fbde7592ff34b38547a208c8\">Hoja de Trabajo de Patrimonio Neto +<\/a>\n<\/div>\n\n<div class=\"overflow-hidden\" data-id=\"block_45a83da7fbde7592ff34b38547a208c8\" style=\"max-height: 0px;\">\n    \n\n<div class=\"block-calculator\" data-block-id=\"block_eead1b1347198a963b0f6b0be12a9316\">\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=\"Determinar-el-valor-de-mercado\">Determinar el valor de mercado<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El valor de mercado est\u00e1 representado por lo que realmente valen sus activos si usted tuviera que venderlos hoy. Por ejemplo, los veh\u00edculos casi siempre pierden valor con el tiempo, se deprecian, no obstante, las casas o propiedades inmobiliarias t\u00edpicamente ganan valor en una econom\u00eda estable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"El-Patrimonio-neto-negativo\">El Patrimonio neto negativo<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No se alarme si su patrimonio neto es negativo. Despu\u00e9s del colapso del mercado inmobliario en el 2008, muchas personas vieron como su patrimonio neto se desplomaba debido al descenso en el valor de las viviendas, inclusive por debajo del monto adeudado en las hipotecas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ahora bien, desde que el mercado ha mejorado, muy probablemente su patrimonio neto tambi\u00e9n haya mejorado, si no lo ha hecho a\u00fan, esto no significa que usted se encuentre en problemas financieros. Si usted paga sus tarjetas de cr\u00e9dito y tiene balances bajos, adem\u00e1s de mantener un presupuesto balanceado, ahorrar sistem\u00e1ticamente, su bienestar financiero es considerado como saludable, incluso si usted tiene un balance negativo en su patrimonio neto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Mejorando-su-patrimonio-neto\">Mejorando su patrimonio neto<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Su patrimonio neto cambia constantemente y esto depende de los valores de mercados actuales de sus activos y deudas. Mantener un patrimonio neto positivo deber\u00eda ser una de sus metas. Pagar sus deudas, incrementar sus ahorros y educarse en temas financieros con KOFE.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Siguiendo esta rutina usted se mover\u00e1 en una direcci\u00f3n positiva.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Descubra su patrimonio neto y lo que significa para la salud de sus finanzas El patrimonio neto es la cantidad de riqueza que usted posee, adem\u00e1s mide su situaci\u00f3n financiera. Si su patrimonio neto es alto, esto significa que usted posee una buena salud financiera, si su por el contrario su valor es bajo, entonces [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":210,"parent":189,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-sidebar","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"tags":[34],"class_list":["post-207","page","type-page","status-publish","has-post-thumbnail","hentry","tag-patrimonio-neto"],"acf":[],"featured_image_src":true,"featured_image_src_square":"https:\/\/y12fcu.staging.kofetime.com\/wp-content\/uploads\/sites\/150\/2023\/04\/Evaluate-Your-Net-Worth-2.jpg","_links":{"self":[{"href":"https:\/\/y12fcu.staging.kofetime.com\/es\/wp-json\/wp\/v2\/pages\/207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/y12fcu.staging.kofetime.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/y12fcu.staging.kofetime.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/y12fcu.staging.kofetime.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/y12fcu.staging.kofetime.com\/es\/wp-json\/wp\/v2\/comments?post=207"}],"version-history":[{"count":0,"href":"https:\/\/y12fcu.staging.kofetime.com\/es\/wp-json\/wp\/v2\/pages\/207\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/y12fcu.staging.kofetime.com\/es\/wp-json\/wp\/v2\/pages\/189"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/y12fcu.staging.kofetime.com\/es\/wp-json\/wp\/v2\/media\/210"}],"wp:attachment":[{"href":"https:\/\/y12fcu.staging.kofetime.com\/es\/wp-json\/wp\/v2\/media?parent=207"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/y12fcu.staging.kofetime.com\/es\/wp-json\/wp\/v2\/categories?post=207"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/y12fcu.staging.kofetime.com\/es\/wp-json\/wp\/v2\/tags?post=207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}