from26.74EUR/ h

Personal Finance. How to handle your life in the world. US finance, European Approach and Asia approach

Why Is Personal Finance Important? Personal finance is a vital part of not only managing your day-to-day financial needs but also planning your financial future. The sooner you get a grip on personal finance, the better your long-term financial prospects will be for things like investing or planning for retirement.

What Are the Five Areas of Personal Finance?

Though there are several aspects to personal finance, they easily fit into one of five categories: income, spending, savings, investing, and protection. These five areas are critical to shaping your personal financial planning.

Five Aspects of Personal Finance

Income
Income is the foundation of your personal finances and includes all parts of your cash flow – the money you take in from all sources. It includes your salary, pension or Social Security, and income from rental properties, or investments.

Spending
Spending includes the money for any expenses you have. Controlling the amount of money you spend can allow you to set aside money to grow your financial future.

Savings
Savings includes any money from your income that you do not spend but set aside for the future. It is necessary to provide for potential expenses – planned or unplanned.

Investing
Investing is different from savings. While savings are what’s left over from your income, investments are purchases that allow you to earn future income or savings. Investments may include purchases of mutual funds, stocks, bonds, or real estate that you expect to give you a good rate of return. But investments come with risks.

Protection
Protection from financial risks can be handled through a variety of financial products including annuities, property/casualty insurance, life insurance, and health insurance. These can provide financial security or protection from unexpected financial costs.

Extra information

If you want to know more about success at school, university, or personal achievement, book a class consultation with me!

Location

Online via webcam

General info

Age:
Children (7-12 years old)
Teenagers (13-17 years old)
Adults (18-64 years old)
Seniors (65+ years old)
Student level:
Beginner
Intermediate
Advanced
Duration:
30 minutes
45 minutes
60 minutes
The class is taught in:English, Spanish

About Me

I am an engineer with a Master of Science in Civil Engineering in the USA, Real Estate Finance at KTH in Sweden, and Construction Management. I have traveled to more than 70 cities in the world and more than 20 countries. I speak Spanish, English, French, and Swedish. I have had a healthy financial life since I was a teenager, at the age of 13 I opened my first bank account and bought my first bond when I was 17.
I can help you navigate, and understand your personal finance, microeconomics, and macroeconomics and guide you in the investment world and Real Estate whether you want to learn from school, or university, or for your personal finances and interest.

Education

MSc in Real Estate Economics and Construction Management at KTH
MSc in Civil Engineering and Construction UIS
MA in Culture and Communication at UB.
High school Diploma in Economics and Accounting

Experience / Qualifications

Civil Engineer with the Investment Process at the Traffic Administration of Stockholm
Product Manager at Sedana Medical International
Studying economics is more than understanding the economy. It’s about analyzing how individuals, groups and countries manage and use their resources. Economics is a broad subject—so much so that it’s broken down into macroeconomics (looking at the economy as a whole) and microeconomics (focusing on individual decisions). Both aspects are important to inform future choices and forecast market trends, and by studying them you’ll develop skills to take into any ambitious career. So what’s the deal with getting an education in economics? We’ve put together our top five reasons below, so you can make an informed decision about your future in economics. 1. Economics is everywhere Economics is a part of everyday life, and it’s also the gateway to the future. Studying economics gives you a better understanding of market dynamics and from there, you’ll be able to apply your knowledge to different organizations you go on to work with. The field of economics is also growing at a rapid rate. Cryptocurrencies and fintech are redefining today’s landscape, and those with a solid economic understanding will be those who lead us into a future of limitless possibilities. 2. Make an impact Economics allows you to drive positive change. It’s a field of study that’s interwoven with technology, management, entrepreneurship, and humanitarian progress, so our programs take a hands-on approach to introduce you to these different aspects and their potential for unlocking growth. Our economics programs also enable you to understand the links between these different but interrelated areas, so your future decisions are fully informed. As the economy is constantly changing, with your knowledge, you’ll be ready to influence business decisions and adapt to fluctuating markets effectively. 3. Gain an international perspective Economies work in tandem with each other. The links between them will give you an international understanding of how the world works and reveal insights into different cultures, people, and societies. 4. Develop transferable skills Studying economics develops a lot of soft skills for you to take into any career. In particular, economics puts you in a prime position to develop your analytical and complex problem-solving skills. Other important skills for our globalized world include communication and cultural awareness, which you’ll also hone with an economics program. Additionally, you’ll improve your business knowledge—an asset that is essential in every corner of the working universe. 5. Boost your career prospects Economics is the backbone of any sector and you’ll be able to apply your knowledge across a variety of roles. With economics, your potential career paths include (but aren’t limited to!): finance, banking, insurance, law, and governance. Of course, a deeper knowledge of economics opens up more senior roles—and with a master’s degree in economics, you’ll be in the running for high-level positions. According to the World Economic Forum’s Future of Jobs Report, analytical thinking and complex problem-solving skills are at the top of the list of most important skills for 2025. Economics graduates are already in high demand, which is only going to increase as their unique skill set becomes more sought-after.
Entrepreneurship Accelerates Economic Growth Entrepreneurs are important to market economies because they can act as the wheels of the economic growth of the country. By creating new products and services, they stimulate new employment, which ultimately results in the acceleration of economic development. So public policy that encourages and supports entrepreneurship should be considered important for economic growth. A large number of new jobs and opportunities are created by entrepreneurship. Entrepreneurship creates a huge amount of entry-level jobs that are very much important to turn unskilled jobholders into skilled ones. It also prepares and provides experienced workers to large industries. The increase in the total employment of a country largely depends on the rise of entrepreneurship. So the role of entrepreneurship in creating new job opportunities is huge. By bringing innovation to every aspect of businesses, entrepreneurial ventures enhance production utilizing the existing resources in the most effective ways. Entrepreneurs develop new markets by introducing new and improved products, services, and technology. Thus, they help generate new wealth and add more to the national income. So the government can offer the citizens more national benefits. 2. Entrepreneurship Promotes Innovation Through the right practices of research and development, entrepreneurs bring new innovation that opens the door of new ventures, markets, products, and technology. Entrepreneurs have a role to play in solving problems that existing products and technology have not yet solved. So by producing new products and services or bringing innovation to existing products and services, entrepreneurship has the potential to improve peoples’ lives. 3. Entrepreneurship Can Promote Social Changes Entrepreneurs change or break the tradition or cultures of society and reduce the dependency on obsolete methods, systems, and technologies. Basically, entrepreneurs are the pioneer of bringing new technologies and systems that ultimately bring changes to society. These changes are associated with improved lifestyle, generous thinking, better morale, and higher economic choice. In this way, social changes gradually impact national and global changes. So the importance of social entrepreneurship must be appreciated. At Duke, the Innovation and Entrepreneurship Initiative has a special program aimed specifically at Social Innovation. The program is “building upon and extending the strengths of the university to create a transformational learning environment to inspire, prepare, and support entrepreneurial leaders and scholars to turn knowledge into action in pursuing innovative solutions to the world’s most pressing problems.” For example, one of the most recent projects of the initiative is the Duke-UNICEF Innovation Accelerator, which is focused on entrepreneurship for menstrual health and hygiene for women and girls in vulnerable communities in three African countries. 4. Entrepreneurship Promotes Research and Industrial Development Along with producing new business ideas and thinking out of the box, entrepreneurs also promote research and development. They cultivate their ideas, shape them into a new form, and turn them into a successful business endeavor. Entrepreneurs are a special kind of people, they are always working to discover new ideas and improve existing ones. But their impact extends beyond their own companies and ventures: when an entrepreneur develops a new product, service, or idea, others often follow (and sometimes even further refine the ideas). Innovation and industry is accelerated through the combined action of entrepreneurs. They can motivate each other, share ideas and inspiration, and share planning to establish new industries. The change of the existing industrial climate opens the doors for others at the same time. Therefore, we see that the importance of entrepreneurship to the economy is multi-functional. 5. Entrepreneurship Develops and Improves Existing Enterprises We often think of entrepreneurs as inventing totally new products and ideas, but they also impact existing business. Since entrepreneurs think differently, they can come up with innovative ways to expand and develop the existing enterprises. For example, modernizing production processes, implementing new technology in the overall distribution and marketing processes, and helping the existing enterprises to utilize existing resources in more efficient ways. To sum up, supporting and promoting entrepreneurship can have a positive impact on the country’s economy and even existing businesses, and social entrepreneurship increases the likelihood of finding innovation solutions to social challenges faced by communities around the world.
Real estate finance describes, explains, and encompasses the various methods by which individuals intend to purchase a home, a plot of land, or another type of property. Unsurprisingly, the vast majority of Americans require loans when purchasing a home. These loans, and the terms that come with them, are often overwhelming and confusing for homebuyers. For that reason, they'll more than likely turn to consultancy for help. Many things come into play when it comes to when applying for loans, such as credit reports, asset, and income verification, appraisals, and titles. With that said, it’s extremely likely that each client you do business with will have a different situation to work through. Thus, it’s advised that agents enroll in education courses that review these circumstances and provide agents with the expertise to better serve their clients. Understand the basic concepts and key terms of real estate financing and the key terms Describe how to qualify a buyer for the most common types of loans Understand the use and function of escrow accounts Determine what a mortgage insurance premium is Understand the process of underwriting its guidelines Identify the three most common types of loans Distinguish how to use conventional qualifying ratios Describe VA eligibility and qualification periods What's a REIT (Real Estate Investment Trust)? REITs, or real estate investment trusts, are companies that own or finance income-producing real estate across a range of property sectors. These real estate companies have to meet a number of requirements to qualify as REITs. Most REITs trade on major stock exchanges, and they offer a number of benefits to investors.
What exactly is business communication To understand what business communication is, let’s focus on the term ‘communication’ first. What does ‘communication’ mean? The word communication usually refers to talking, speaking, writing, or sending information to another person. The whole idea of communication is very complex and focuses on various aspects, many of which include: Ensuring the message has reached the target audience ensuring the receiver of the message understands and responds to it, if necessary ensuring, as the message sender, that you communicate with manners and with appropriate precision and clarity The role of communication in business Business communication entails every sort of communication that occurs within a particular business environment. Business communication contributes to the development of an ability to influence others, bringing about changes in the attitudes and views of people, driving motivation, as well as creating and maintaining professional relationships. Many scholars and business owners agree that it is the most important foundation skill for anyone in the world of work. Just think about your very first encounter with a company you are currently working at. Would you have gotten this job without professional communication? In these times of fast-progressing globalization and growing demand for teamwork, communication skills are absolutely crucial to the success of any business, regardless of its size. This helps streamline workflows and avoids overworking employees, which could lead to bad sleeping routines and poor decision-making. A rested employee is a productive worker! Now that we know what business communication is, as well as how important it is, let’s explore the different types of it and look at some examples of them.... book my class to know MORE!

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Availability of a typical week

(GMT -04:00) New York
MonTueWedThuFriSatSun
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7  Monday at 7:00  Tuesday at 7:00  Wednesday at 7:00  Thursday at 7:00  Friday at 7:00  Saturday at 7:00  Sunday at 7:00
8  Monday at 8:00  Tuesday at 8:00  Wednesday at 8:00  Thursday at 8:00  Friday at 8:00  Saturday at 8:00  Sunday at 8:00
9  Monday at 9:00  Tuesday at 9:00  Wednesday at 9:00  Thursday at 9:00  Friday at 9:00  Saturday at 9:00  Sunday at 9:00
10  Monday at 10:00  Tuesday at 10:00  Wednesday at 10:00  Thursday at 10:00  Friday at 10:00  Saturday at 10:00  Sunday at 10:00
11  Monday at 11:00  Tuesday at 11:00  Wednesday at 11:00  Thursday at 11:00  Friday at 11:00  Saturday at 11:00  Sunday at 11:00
12  Monday at 12:00  Tuesday at 12:00  Wednesday at 12:00  Thursday at 12:00  Friday at 12:00  Saturday at 12:00  Sunday at 12:00
13  Monday at 13:00  Tuesday at 13:00  Wednesday at 13:00  Thursday at 13:00  Friday at 13:00  Saturday at 13:00  Sunday at 13:00
14  Monday at 14:00  Tuesday at 14:00  Wednesday at 14:00  Thursday at 14:00  Friday at 14:00  Saturday at 14:00  Sunday at 14:00
15  Monday at 15:00  Tuesday at 15:00  Wednesday at 15:00  Thursday at 15:00  Friday at 15:00  Saturday at 15:00  Sunday at 15:00
16  Monday at 16:00  Tuesday at 16:00  Wednesday at 16:00  Thursday at 16:00  Friday at 16:00  Saturday at 16:00  Sunday at 16:00
17  Monday at 17:00  Tuesday at 17:00  Wednesday at 17:00  Thursday at 17:00  Friday at 17:00  Saturday at 17:00  Sunday at 17:00
18  Monday at 18:00  Tuesday at 18:00  Wednesday at 18:00  Thursday at 18:00  Friday at 18:00  Saturday at 18:00  Sunday at 18:00
19  Monday at 19:00  Tuesday at 19:00  Wednesday at 19:00  Thursday at 19:00  Friday at 19:00  Saturday at 19:00  Sunday at 19:00
20  Monday at 20:00  Tuesday at 20:00  Wednesday at 20:00  Thursday at 20:00  Friday at 20:00  Saturday at 20:00  Sunday at 20:00
21  Monday at 21:00  Tuesday at 21:00  Wednesday at 21:00  Thursday at 21:00  Friday at 21:00  Saturday at 21:00  Sunday at 21:00
22  Monday at 22:00  Tuesday at 22:00  Wednesday at 22:00  Thursday at 22:00  Friday at 22:00  Saturday at 22:00  Sunday at 22:00
23  Monday at 23:00  Tuesday at 23:00  Wednesday at 23:00  Thursday at 23:00  Friday at 23:00  Saturday at 23:00  Sunday at 23:00
from 26.74€Online via webcam

Good-fit Instructor Guarantee


If you are not satisfied after your first lesson, Apprentus will find you another instructor or will refund your first lesson.

Online reputation

  • Instructor since October 2022
  • Google connected
  • Linkedin connected

Availability of a typical week

(GMT -04:00) New York
MonTueWedThuFriSatSun
0              
1              
2              
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7  Monday at 7:00  Tuesday at 7:00  Wednesday at 7:00  Thursday at 7:00  Friday at 7:00  Saturday at 7:00  Sunday at 7:00
8  Monday at 8:00  Tuesday at 8:00  Wednesday at 8:00  Thursday at 8:00  Friday at 8:00  Saturday at 8:00  Sunday at 8:00
9  Monday at 9:00  Tuesday at 9:00  Wednesday at 9:00  Thursday at 9:00  Friday at 9:00  Saturday at 9:00  Sunday at 9:00
10  Monday at 10:00  Tuesday at 10:00  Wednesday at 10:00  Thursday at 10:00  Friday at 10:00  Saturday at 10:00  Sunday at 10:00
11  Monday at 11:00  Tuesday at 11:00  Wednesday at 11:00  Thursday at 11:00  Friday at 11:00  Saturday at 11:00  Sunday at 11:00
12  Monday at 12:00  Tuesday at 12:00  Wednesday at 12:00  Thursday at 12:00  Friday at 12:00  Saturday at 12:00  Sunday at 12:00
13  Monday at 13:00  Tuesday at 13:00  Wednesday at 13:00  Thursday at 13:00  Friday at 13:00  Saturday at 13:00  Sunday at 13:00
14  Monday at 14:00  Tuesday at 14:00  Wednesday at 14:00  Thursday at 14:00  Friday at 14:00  Saturday at 14:00  Sunday at 14:00
15  Monday at 15:00  Tuesday at 15:00  Wednesday at 15:00  Thursday at 15:00  Friday at 15:00  Saturday at 15:00  Sunday at 15:00
16  Monday at 16:00  Tuesday at 16:00  Wednesday at 16:00  Thursday at 16:00  Friday at 16:00  Saturday at 16:00  Sunday at 16:00
17  Monday at 17:00  Tuesday at 17:00  Wednesday at 17:00  Thursday at 17:00  Friday at 17:00  Saturday at 17:00  Sunday at 17:00
18  Monday at 18:00  Tuesday at 18:00  Wednesday at 18:00  Thursday at 18:00  Friday at 18:00  Saturday at 18:00  Sunday at 18:00
19  Monday at 19:00  Tuesday at 19:00  Wednesday at 19:00  Thursday at 19:00  Friday at 19:00  Saturday at 19:00  Sunday at 19:00
20  Monday at 20:00  Tuesday at 20:00  Wednesday at 20:00  Thursday at 20:00  Friday at 20:00  Saturday at 20:00  Sunday at 20:00
21  Monday at 21:00  Tuesday at 21:00  Wednesday at 21:00  Thursday at 21:00  Friday at 21:00  Saturday at 21:00  Sunday at 21:00
22  Monday at 22:00  Tuesday at 22:00  Wednesday at 22:00  Thursday at 22:00  Friday at 22:00  Saturday at 22:00  Sunday at 22:00
23  Monday at 23:00  Tuesday at 23:00  Wednesday at 23:00  Thursday at 23:00  Friday at 23:00  Saturday at 23:00  Sunday at 23:00
from 26.74€Online via webcam

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