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TERMS AND CONDITIONS Last updated June 23, 2023 By accessing and using this platform, you acknowledge that you have read, understood, and agree to be bound by this terms and conditions. If you do not agree with any part of this disclaimer, please refrain from using this platform for financial information purposes. AGREEMENT TO OUR LEGAL TERMS We are Aninvestor ("Company," "we," "us," "our"). We operate the website aninvestor.org (the "Site"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services"). You can contact us by email at aninvestor.org@gmail.com . These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Aninvestor, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY. Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted. All users who are minors in the jurisdiction in which they reside (generally under the age of 18) must have the permission of, and be directly supervised by, their parent or guardian to use the Services. If you are a minor, y ou must have your parent or guardian read and agree to these Legal Terms prior to you using the Services. We recommend that you print a copy of these Legal Terms for your records. TABLE OF CONTENTS 1. OUR SERVICES 2. INTELLECTUAL PROPERTY RIGHTS 3. USER REPRESENTATIONS 4. USER REGISTRATION 5. PROHIBITED ACTIVITIES 6. USER GENERATED CONTRIBUTIONS 7. CONTRIBUTION LICENSE 8. THIRD-PARTY WEBSITES AND CONTENT 9. ADVERTISERS 10. SERVICES MANAGEMENT 11. PRIVACY POLICY 12. COPYRIGHT INFRINGEMENTS 13. TERM AND TERMINATION 14. MODIFICATIONS AND INTERRUPTIONS 15. GOVERNING LAW 16. DISPUTE RESOLUTION 17. CORRECTIONS 18. DISCLAIMER 19. LIMITATIONS OF LIABILITY 20. INDEMNIFICATION 21. USER DATA 22. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES 23. MISCELLANEOUS 24. CONTACT US 1. OUR SE RVICES The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA). 2. 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This license includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. 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You are solely responsible for your Submissions and/or Contributions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party’s intellectual property rights, or (c) applicable law. We may remove or edit your Content: Although we have no obligation to monitor any Contributions, we shall have the right to remove or edit any Contributions at any time without notice if in our reasonable opinion we consider such Contributions harmful or in breach of these Legal Terms. If we remove or edit any such Contributions, we may also suspend or disable your account and report you to the authorities. Copyright infringement We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately refer to the "COPYRIGHT INFRINGEMENTS " section below. 3. 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USER GENERATED CONTRIBUTIONS The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that: The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party. You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms. You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms. Your Contributions are not false, inaccurate, or misleading. Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation. Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us). Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone. Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people. Your Contributions do not violate any applicable law, regulation, or rule. Your Contributions do not violate the privacy or publicity rights of any third party. Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors. Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap. Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation. Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services. 7. CONTRIBUTION LICENSE By posting your Contributions to any part of the Services, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels. This license will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions. We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions. We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change any Contributions; (2) to re-categorize any Contributions to place them in more appropriate locations on the Services; and (3) to pre-screen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions. 8. THIRD-PARTY WEBSITES AND CONTENT The Services may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites. 9. ADVERTISERS We allow advertisers to display their advertisements and other information in certain areas of the Services, such as sidebar advertisements or banner advertisements. We simply provide the space to place such advertisements, and we have no other relationship with advertisers. 10. SERVICES MANAGEMENT We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services. 11. PRIVACY POLICY We care about data privacy and security. By using the Services, you agree to be bound by our Privacy Policy posted on the Services, which is incorporated into these Legal Terms. Please be advised the Services are hosted in Mexico. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in Mexico, then through your continued use of the Services, you are transferring your data to Mexico, and you expressly consent to have your data transferred to and processed in Mexico. 12. COPYRIGHT INFRINGEMENTS We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a "Notification"). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Services infringes your copyright, you should consider first contacting an attorney. Logos were created with "Canva Pty Ltd". "All free photos, music and video files on Canva can be used for free for commercial and noncommercial use." (Canva Pty Ltd, 2022) https://www.canva.com/policies/free-media-license-agreement-2022-01-03/ 13. TERM AND TERMINATION These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress. 14. MODIFICATIONS AND INTERRUPTIONS We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services. We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith. 15. GOVERNING LAW These Legal Terms shall be governed by and defined following the laws of Mexico. Aninvestor and yourself irrevocably consent that the courts of Mexico shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these Legal Terms. 16. DISPUTE RESOLUTION Informal Negotiations To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least __________ days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party. Binding Arbitration Any dispute arising out of or in connection with these Legal Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by the International Commercial Arbitration Court under the European Arbitration Chamber (Belgium, Brussels, Avenue Louise, 146) according to the Rules of this ICAC, which, as a result of referring to it, is considered as the part of this clause. The number of arbitrators shall be __________. The seat, or legal place, or arbitration shall be __________. The language of the proceedings shall be __________. The governing law of these Legal Terms shall be substantive law of __________. Restrictions The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. Exceptions to Informal Negotiations and Arbitration The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court. This Regional information notice supplements our Privacy Policy. In certain regions, you may have certain additional rights. This may include the right to request access or to update or review your information, request that it be deleted or anonymized, or object to or restrict Aninvestor using it for certain purposes. If you wish to exercise a right, please Contact Aninvestor. 17. CORRECTIONS There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice. 18. DISCLAIMER THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE. 19. LIMITATIONS OF LIABILITY IN NO EVE NT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 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United States of America Opening a Brokerage Account The initial st ep in starting to invest is to open a brokerage account. A brokerage firm acts as an intermediary between you (the investor), and the stock market. When you decide to buy or sell a stock, your brokerage account facilitates this transaction. The broker executes these trades on your behalf, ensuring that your purchase or sale is carried out in the stock market According to Investopedia.com (a reputable source of financial content on the web), these are the best brokers available, depending on your specific goals: Fidelity Investments TD Ameritrade Interactive Brokers Tastytrade Did you know that a decision made by Charles Schwab in 2019 to cut management fees to $0 initiated a trend among major players in the market? This move towards zero-fee trading significantly influenced other firms, leading to a widespread adoption of this practice. As a result, it is now common for investors to enjoy "free" access to these platforms $0.0 Additionally, many banks offer brokerage services. You may inquire with your preferred bank for more information What documents are required? In order to open a brokerage account, you will have to provide a number of documents to comply with financial regulations. These typically include: Government-Issued Identification: passport, driver's license, national identity card, etc. 2. Social Security Number (SSN) or Tax Identification Number (ITIN): 3. Employment Information: employment status, employer (if applicable), contact information 4. Financial information: annnual income, net worth, investment experience 5. Signed Contract with Broker Earnings in the stock market are taxed at different rates, depending on how long you hold a given security. Short term capital gains tax: Ranges from 10% to 37% depending on taxable income and filing status Long term capital gains tax: 0%, 15% or 20% depending on taxable income and filing status As you can see, the government encourages the investor to invest long term, which explains why these investments are taxed at a lower rate Congratulations! You've opened your brokerage account. Now what? After accessing your account, you will need to deposit the amount you wish to invest into your brokerage account, using the account number provided on their platform. Later, you will have the option to look up different securities including stocks, bonds, ETF on the search bar using their TICKER SYMBOL or NAME. After selecting one, you will be prompted with some questions. 1. What type of order do you wish to make? Remember When buying a stock your risk is limited, as the lowest value any stock can reach is $0. However, when shorting a stock your risk is unlimited, as the stock could theoretically increase all the way up to infinity. Thus, establishing stop losses is crucial. We advise our members to avoid shorting in the beginning of their journey. 2. How many securities do you wish to purchase? 3. Do you wish to purchase at the "market price" or set a "specific price"? Explanation "When you buy at the 'market price', your order is likely to be filled immediately. However, in this case, you do not have control over the exact price at which you are buying. The market price is subject to fluctuation, potentially leading to a final purchase price slightly different from what you initially expected. On the other hand, if you set a 'specific price' for your order, it will only be filled at that particular price. This gives you control over the price you pay. However, be aware that setting an unrealistic price may result in your order remaining unfilled. It’s important to set a price that is reasonable and reflective of the current market conditions." $ "" Tracking my investments After your order has been filled, you will often find a similar chart to this one in your brokerage account: Portfolio Value Time Period Day you opened your account Current Date $0 In this space, you will be able to monitor your investments We encourage our members to invest in the long term. Remember the power of compounding. The short term often involves unpredictable or unmotivated fluctuations and higher taxes! Remember the keys to a successful portfolio : Re search Consistency Diversification Luck ( due to the market's unpredictability )

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Understand the basics, empowering you to navigate more complex topics with confidence. personal finance a guide to financial freedom We have all dreamt of freedom. For some, it might mean pursuing a particular career path or discovering hidden destinations, for others, spending time with loved ones. Perhaps, dedicating time to that hobby of yours. We encourage you to determine: What does freedom look like to you? “A dream written down with a date becomes a goal” Greg Reid organization The key to personal finance is awareness. The best way to be aware, is to be organized. There are multiple strategies to achieve this, however, we recommend starting off simple: 1-. Cash flow Administrating your cash flow correctly is perhaps the most important step you could take towards fina ncial freedom . How? List your monthly inflows (money going in) and outflows (money going out) in separate columns, in descending order from largest to smallest. Try to account for and list every recurring expense or income you can think of. am I spending more than I should? Discover budgeting Experts recommend distributing expenses in the following manner 55% : Essentials This is the category for all that you consider really necessary, like debt, taxes, mortgages, food and education. 10%: Emergency funds and insurance This category is meant to provide safety for the future. In this course, we will later explain insurances, but if you, for now, do not feel in a position to hire them, it is important to have a least a savings account from which you can quickly withdraw money in case of emergencies like unexpected medical procedures, a problem with your car, or needing to bail out of jail. 10% Investment This category is meant to, with time, augment your income, net worth, and allow you to retire. We will expand on it further in the “aggressive shark” course. 10% Long term savings / Retirement Accounts This is meant to allow you to retire. 15%: Leisure This category is for everything that you spend for pleasure, meaning fine dining, new clothing and expenses. It is undeniable that having this is necessary for a healthy life. Still, it isn’t healthy to spend more than 15% of your income on it. Recommended monthly expenditure diagram Input your income and expenses, and let it handle the calculations and generate a customized diagram for easy comparison. build your diagram Access Aninvestor's free template here! Cash Flow Template steps you can take to improve your diagram Notice what sections are consuming more than they should High Levels of Debt will be addressed further down 2. D etermine w hat can be done to reduce this expenditure. Perhaps your rent is too high 3. You may need to create a new section and allocate funds to it Open an emergency fund Bear in mind the opportunity cost of modifying your expenditure. You shouldn’t, for example, sacrifice education to increase your investments. Weigh your options and think about the long term results. “Constructing wealth is not a matter of intelligence, it's a matter of habits” 2-. Calendar A missing payment h as important consequences, such as: Penalizing interest payments Hindering loan accessibility Structuring a financial calendar will help you avoid them, and manage to build your credit at the same time. How? Choose the method that works best for you: paper or digital. If you choose to go with the latter, we suggest working with “Google Calendar” , where you can set friendly reminders. Next, from the outflows column in your Cash Flow Template, identify constant expenses that have payment dates and schedule them down in your calendar for the next month. Repeat this process for at least three months. Organization Takeaways Organization lets you be in control of your expenses and not the other way around. Having systems like these in place will allow you to: 1-. Identify anomalies 2-. Establish budgets But most importantly, 3-. Set the foundations for your financial goals. “It is easy to let expenses go unchecked and opportunities go unnoticed.” debt Whenever we apply for a mortgage, a student loan, or a car loan, we are dealing with debt. The easiest way to grasp this concept is to analyze it from an example with two distinct perspectives: 1-. The Borrower (you) Lets say you discover the perfect house for you and your family. You ask for the price, and... the house can be yours for: $100,000.00 dollars. You do not have access to that amount of money. So, what do you do? You go to the bank and ask for a loan. Loans for the purchase of houses are called mortgages. This is what they say: We will give you a mortgage for your home if you accept the following terms. Mortgage Agreement Contract Example 1-. Your down payment will be 20% 2-. Your interest rate will be 5% 3-. Your loan term will be 30 years 4-. Your monthly payment will be $429.46 dollars 5. The bank will own an interest in the home until the mortgage is fully paid off. Sign here _________________________ This content is purely informative and should not be interpreted any other way. Please consult an expert prior to making decisions. 1 DOWN PAYMENT The down payment is the percentage of the value of the asset (in this case the house) you will have to pay upfront. In this case, 20% of 100,000.00 is $20,000. You are really borrowing $80,000.00 dollars from the bank. 2 INTEREST RATE By providing you a mortgage, the bank is offering you a service. The interest rate is the “price” the bank is charging you for borrowing their money. The lower the interest rate, the better the deal. Note: Selecting a fixed interest rate (does not change) is encouraged by experts, as it protects from extreme volatility. Even though it can be more expensive, it really is worth considering. 3 The loan term simply refers to the amount of years until you pay off your mortgage, in this case 30 years. TERM 4 Throughout the loan term, you will have to pay $429.46 dollars each month. MONTHLY PAYMENT 5 OWNERSHIP The bank will own an interest in the home until the mortgage is fully paid off. 2-. The lender (most likely the bank) The borrower walks into the bank and insists he wants a beautiful house. He explains that unfortunately he does not have enough money to purchase it. Suddenly the bank remembers it has $80,000.00 dollars in the vault. As time goes by, that money is losing value because of factors that will be explained after. By offering a mortgage, or any kind of loan really, the bank can avoid that loss and even make money in exchange for an interest payment from the borrower. The interest rate depends on: 1-. Current market conditions 2-. Default risk (the borrower stops paying ) Most of the times, the higher the interest rate, the higher the profit the bank will make on the deal. how much will the lender make on this deal? Lets recall point number 4 (monthly payments). Remember the payments of $429.46 dollars? Let's see how much does the borrower ends up paying in total... If you recall, the borrower only borrowed $80,000.00 for the house. Well, it turns out that the difference between what the borrower ends up paying and the original borrowed quantity is the lenders profit in present value. $429.46 x 360 (number of monthly payments in 30 years) = $154,605.6 $154,605.6 - $80,000.00 = $74,605.6 Both parties agree to the loan and walk away happy. tackling debt There are multiple strategies to deal with debt. Before we outline them, we must thoroughly inspect our "montly payment". Once you pay the $429.46 dollars, it is split in two different sections: Principal (red): The part of the monthly payment that goes towards paying the original $80,000.00 Interest (blue): The part of the monthly payment that goes towards paying the bank. A mortization tables and graphs help us visualize the distribution of our payment throughout the loan term. Remember those risks we talked about. By structuring the mortgage like this, the lender basically prioritizes the interest payment. Besides, in the event of default, the bank can seize the property, resell it and regain what it lent, a process commonly known as foreclosure. 1. Principal increases. 2. Interest decreases. Can you spot the trend over time? why does this make sense? W hen deciding to pay off a pending loan, determine whet her you are paying interest or principal. Our template lets you visualize any outstanding loans you have. Based on the chart, decide if they are worth paying off at this particular moment. a pro tip... Access Aninvestor's free template here! Amortization template The path for effective debt management 1 MINIMUM PAYMENTS Find out what the minimum monthly payments are for each and every single one of your debts. Make them. Cut unnecessary expenses, if needed. This way, you can avoid penalties, which can lead to substantial consequences in the future. 2 To begin, list all your outstanding debts and determine their interest rates. Arrange them in order, starting with the debt that has the largest interest rate and ending with the one that has the smallest. The intention is to pay off the debt with the highest interest rate first, then move on to the next one, creating an "avalanche" effect. In many cases, you can allocate extra capital directly to the principal without paying additional interest. AVALANCHE 3 ALTERNATIVES You can opt for several alternative options, however we will only mention two: Negotiation Depe nding on the circumnstances, you may be eligible to renegotiate your loan terms, perhaps extending the time period or decreasing the interest. Verif y you are not hurting your credit score by doing so . Debt consolidatio n Depe nding on the circumnstances, you may be eligible to combine all your debts into one with a specific interest attatched to it. Verif y you are not hurting your credit score by doing so . Insurance Insurance is a financial tool designed to offer protection against substantial losses or damages. This includes various types, such as health, car, home, and business insurance, though virtually anything can be insured. By choosing to insure something, you enter into an agreement with an insurance provider, adhering to specific terms and conditions. Typically, this involves paying a regular fee, in exchange for the security offered by the insurance. Should a significant loss or damage occur that falls within the agreed terms, the insurance company is obligated to provide compensation, potentially covering the full value of the insured asset. Essentially, insurance companies consist of numerous policyholders like yourself. Collectively, the fees paid by these policyholders accumulate, creating a financial reserve used to address the insurance claims (significant losses or damages) made by clients. This approach effectively distributes the risk among all the insured individuals. Think of insurance as a strategy to safeguard your assets against unexpected events. How? This content is purely informative and should not be interpreted any other way. Please consult an expert prior to making decisions.

Learn about investment securities like equity, fixed income, real estate... and so much more. Unlock your tools! a guide for investors, a guide for you The Time Value of Money Value versus quantity There is an important distinction between value and quantity. Let's say you have a $1 USD bill. quantity PAST PRESENT FUTURE time value PAST PRESENT FUTURE The value , or the purchasing power of that $1 USD is subject to change time The quantity or units of dollars you have is and will forever be $1 USD Why does value decrase? Over time, monetary value fluctuates and typically decreases because of: inflation, economic policies, global factors, etc. what does this mean? As time progresses, the value of your money tends to diminish. To counteract this trend, it's essential to: 1) Spend your money in the moment (not recommended) 2) Invest your money Investments There are several types of investments one can make, many of which fall under the category of 'financial securities.' Investing involves allocating your money into these "securities" with the expectation of generating future income or profit. This process often means 'exchanging' your ability to spend that money immediately in hopes of receiving your original investment back, along with additional returns in the future. "Now that you have gained an understanding of personal finance, this section will introduce you to the basics of investment, along with key considerations that are important for your future financial endeavors! Risk It's important to note that virtually all investments carry some degree of risk. Generally, risk and potential returns are directly related: higher risk can lead to higher returns, but also to greater potential losses. Therefore, the more risk you are willing to accept, the greater the potential for both higher earnings and significant losses. Potential returns are measured in %. Risk free return The risk-free return is a theoretical concept describing a rate of return on an investment with zero perceived risk. Since risk is correlated with potential earnings, investments considered risk-free typically offer lower returns. Often, government bonds are seen as examples of such investments, given the government's authority to print money for repayment. However, it's important to note that excessive money printing can lead to devaluation of the currency. Your investment goal should ideally be to attain a rate of return that at least preserves the purchasing power of your money, taking into account factors like inflation and economic changes. goals managing expectations Investing is not a get-rich-quick scheme for most people. Its a process that takes time, strategy and discipline. The typical return rate in the US stock market is around 10% per year. Investments yielding below 7% may be considered overly conservative. Although returns at this level may not be maximized, they do keep risks relatively low. A favorable equilibrium in investment returns is usually found in the 8% to 16% yearly range. This spectrum offers a nice blend of reasonable returns along with a degree of security and consistency. Consistently achieving and maintaining returns over 17% is quite demanding and frequently entails a level of capital risk that exceeds the comfort zone of many investors. A useful metaphor An investment portfolio can be thought of as a car. If the car is moving fast, it will reach its destination quicker, but there's a higher risk of crashing. Conversely, if the car travels at a moderate speed, it may not arrive as quickly, but it does so with a lower risk of getting into accidents. As an investor, you can manage risks through two main strategies: 1) Choose investments that align with your risk tolerance. This means selecting securities that match the level of risk you are comfortable taking on. 2) Diversify your investments across different, ideally unrelated, categories. This approach reminds me of the saying, "Don't put all your eggs in one basket." Diversification helps spread risk and can mitigate the impact of poor performance in any single investment. A general rule Debt instruments, bonds, cash, CD's, bank accounts Stocks, real estate, high income bonds, mutual funds Options, futures, etc risk level Relatively low Relatively high *Note: High risk securities will not be covered in this website Types of Investors Depending on the level of risk you are willing to take, you will most likely fall into one of the following categories Credits to investopedia.com Your strategy to meet your objectives will depend on where you stand on this chart. The types of financial securities you invest in and your investment portfolio need to be adjusted to your category. While a more aggressive investor invests heavily in options or futures, a conservative investor has the majority of his portfolio invested in government bonds. The Power of Compounding Just as time can decrease the value of your money, it can become your ally. Compound interest is a powerful concept that refers to the process of earning interest on both the initial investment and the accumulated interest from previous periods. In simpler terms, it's "interest on interest," and it can cause wealth to grow exponentially over time. We encourage you to experiment with this compound interest calculator using reasonable values. Discover the potential of your invested money! Compound Interest Access the US Government's calculator Access it for free here! Credits to: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator Input your expected interest rate, initial investment and time period. Fixed Income (bonds) Equity theory (stocks) Equity application (stocks) R eal Estate

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Mexico Abrir una cuenta El primer paso para comenzar a invertir es abrir una cuenta de broker . Una firma de brokering actúa como intermediario entre usted (el inversor) y el broker. Cua ndo decide comprar o vender una acción, esta transacción se facilita a través de su cuenta de corretaje. El broker ejecuta estas operaciones en su nombre, asegurando que su compra o venta se lleve a cabo en el mercado de valores. Los siguientes son algunos de los brokers más reconocidos en México. Cada uno ofrece un servicio diferente. Escoge o busca uno que te acerque a tus objetivos Etoro GBM Interactive Brokers ¿Qué documentos necesito? Toma en cuenta: Muchos bancos ofrecen servicios de broker. Confirmalo con tu banco de confianza. Para abrir una cuenta de broker, tendrá que proporcionar una serie de documentos para cumplir con las regulaciones financieras. Estos suelen incluir: Identificación Emitida por el Gobierno: pasaporte, licencia de conducir, tarjeta de identidad nacional, etc. Información de Empleo: estado de empleo, empleador (si corresponde), información de contacto Información Financiera: ingreso anual, patrimonio neto, experiencia de inversión Contrato Firmado con el Broker. Las ganancias en el mercado de valores se gravan a diferentes tasas, dependiendo de cuánto tiempo mantengas un determinada vehículo Impuesto sobre Ganancias de Capital a Corto Plazo: En México, las ganancias de capital a corto plazo suelen tratarse como ingreso ordinario. Esto significa que se suman al resto de tus ingresos y se gravan según las tarifas del ISR (Impuesto Sobre la Renta), que pueden variar desde aproximadamente el 1.92% hasta el 35%, dependiendo del nivel total de ingresos. Impuesto sobre Ganancias de Capital a Largo Plazo: Para las ganancias de capital a largo plazo (por ejemplo, inversiones mantenidas por más de 12 meses), la tasa impositiva puede ser diferente. Generalmente, se aplica una tasa fija que puede estar alrededor del 10% al 20%, aunque esto puede variar según las regulaciones específicas y las circunstancias de cada caso. Como puedes ver, el gobierno incentiva al inversor a invertir a largo plazo, lo que explica por qué estas inversiones se gravan a una tasa mas baja ¡Felicidades! Has abierto tu cuenta de broker. ¿Y ahora qué sigue? Después de acceder a tu cuenta, tendrás que hacer un depósito con la cantidad que deseas invertir al número de cuenta de broker (que se encuentra en su plataforma). Más tarde, tendrás la opción de buscar diferentes valores, incluyendo acciones, bonos, ETF en la barra de búsqueda utilizando su SÍMBOLO DE COTIZACIÓN o NOMBRE. Después de seleccionar uno, se te presentarán algunas preguntas. ¿Qué tipo de orden deseas realizar? Recuerda Al comprar una acción, tu riesgo es limitado, ya que el valor más bajo que cualquier acción puede alcanzar es $0. Sin embargo, al vender una acción en corto tu riesgo es ilimitado, ya que la acción podría teóricamente aumentar hasta el infinito. Por lo tanto, establecer límites de pérdida es crucial. Aconsejamos a nuestros miembros evitar las ventas en corto al principio de su trayectoria. 2. ¿Cuántas acciones-bonos-etc desea comprar? 3. ¿Deseas comprar al "precio de mercado" o establecer un "precio específico"? Explicación Cuando compras al 'precio de mercado', es probable que tu orden se complete inmediatamente. Sin embargo, en este caso, no tienes control sobre el precio exacto al que estás comprando. El precio de mercado puede fluctuar y podrías terminar pagando un precio ligeramente diferente al esperado. Por otro lado, si estableces un 'precio específico' para tu orden, solo se completará a ese precio en particular. Esto te da control sobre el precio que pagas. Sin embargo, ten en cuenta que establecer un precio poco realista puede resultar en que tu orden no se complete. Es importante establecer un precio razonable y que refleje las condiciones actuales del mercado. $ "" Monitorea mis inversiones Después de que su orden haya sido completada, encontrará un gráfico similar al siguiente en su cuenta broker Valor del portafolio Periodo de tiempo Día en el que abrió su cuenta Fecha actual $0 En este espacio, podrá monitorear sus inversiones A nuestros miembros, les recomendamos invertir en el largo plazo. Recuerde el poder del interés compuesto. En el corto plazo, existen fluctuaciones impredecibles e impuestos más altos Recuerde la clave de un portafolio exitoso : Investigación Consistencia Diversificación Suerte (el mercado es impredecible)

Anchor 4 Dear reader, It is a p leasure to welcome you to our digital financial academ y Created for everyone JUMP TO 1. Animals 2. Members JUMP TO 3. Navigation Anchor 2 1. ANIMALS Learning is split into five distinct sections, each represented by a distinct animal. discover the material Unleash the power of our website! Suitable for both beginners and experienced users. Congratulations! animal tutorial completed! return Anchor 1 Increasing complexity Understand the basics of personal finance, empowering you to navigate more complex topics with confidence. discover the material begin learning It’s all about the green. Uncover how finance relates to the environment. Become an agent of change discover the material begin learning Unlock your tools! Learn about investment structures like equity, fixed income, real estate... and so much more. discover the material begin learning Discover the power of numbers. Unravel the magic behind ratios, statements and patterns. discover the material begin learning 2. members In this section, you will be able to find all member related content. Click on either the name or the image of the section to enter. Community: Engage in insightful discussions with fellow members, sharing thoughts and perspectives on finance-related matters. Aninvestor aims to foster a knowledgeable community capable of making strategic decisions for a prosperous future. Upon clicking, you will be asked to JOIN a group. You can JOIN as many groups as you like. Select the ones that most interest you. To share, click on “Share something”, as shown below: Customize your comment, and publish it! My investing career: Tailored and user-friendly instructions will be provided based on your region, assisting you in initiating your investing journey confidently. TUTORIAL & MAJOR UPDATE COMING SOON! Templates: Discover a collection of elegant and user-friendly templates you can download and take advantage of designed to fulfill your financial goals. To download a template, click on templates and then on the name of the template you want to download, as shown below: Congratulations! member tutorial completed! return Anchor 3 3. Navigation Top Menu : By clicking on the titles, you will be able to access the most important sections of this website including: Home: Access learning directly by clicking on the animal images as shown below: New publications Updates to the website More about this project (Impact, Team, Mission, Vision) In addition, you will be able to contact us by filling out the following forms and clicking submit as shown below: Learn: If you hover your mouse over the learn section, you will be met with the names of the animals as shown below: You can directly go to a specific animal by clicking on its name as shown below: If you decide to click the learn section, you will find all the covered material throughout the learning experience. It will be sorted by animals, and displayed by order of appearance. You will be able to access a specific topic directly from the section in no time. Members: To access this section, membership is required. Rest assured, membership is completely free and offers numerous benefits. Upon clicking, you will discover three sections that can be expanded by simply clicking on the images. Detailed explanations for each section will be provided within the members section (3). Tutorial: If you need assistance with any specific section, simply click on the "Tutorial" option. You will find concise and descriptive explanations to guide you through the content. Log In: When clicked, the Log In button will redirect you to create your account. To do this you will need: A Google Account A Facebook Account An e-mail and a password (created by you) Bottom Menu : The bottom menu offers a much more detailed breakdown of the website's sections. New important sections include: Review our Terms and Conditions Review our Financial Disclaimer Contact us through e-mail hovering, not clicking clicking Congratulations! Navigation tutorial completed! return