Professor Guerrero's Blog

mguerrero@gmail.com

Co-author of East of Tiffany's, 13 short stories of a Latino immigrant's success in USA; a journey from West Harlem to Sutton Place and Park Avenue. Check out the reviews in Amazon.com and in Barnes and Noble.

on KINDLE on NOOK

My best seller as of now is

Titanes de la Filosofia

Professor Guerrero's Blog: Investing in Stocks Professor Guerrero's Blog: Book Reviews, Human Interest Articles, Accounting Lessons, and Writing Techniques

Book Reviews  

Books

Sentence Openers Book: FREE Lessons

Jane Austen  

Boethius: Consolation of Philosophy

How to Become a Writer  

Personal Finance  

Self Help, Wealth, & Learning

Greeks Romans Trojans  

Feminism  

Great Gatsby: Is Nick Gay?

All my books are now in NOOK

Ideas About the Novel is a prophetic book that all writers must own.

Ideas About the Novel by Ortega y Gasset - my translation $0.99


Next to Cervantes, Benito Perez Galdos is the most beloved Spanish writer of all times.

Torquemada at the Stake by Perez Galdos- my translation $0.99

Lazarillo of Tormes - my translation $0.99
Read it in contemporary English -- No Thous, Thees, or King James' Bible language. Transliterated into easy language for enjoyable reading pleasure. Because The Lazarillo of Tormes pointed a new direction, European and American literature benefited with titles that today are considered classics: Cervantes’ Rinconete and Cortadillo; Daniel Defoe’s Moll Flanders, Henry Fielding’s Tom Jones and Joseph Andrews; Tobias Smollett’s Roderick Random, and Peregrine Pickle; Voltaire’s Candide; Charles Dickens’ David Copperfield. And many others to include American works ranging from Mark Twain to Saul Bellow.

Dehumanization of Art by Ortega y Gasset - my translation $0.99
The Dehumanization of Art— is now a constant in music, literature, aesthetics, and philosophy, having come to mean that in post-modern times human-shaped mimesis (representation of the human) is irrelevant to art. According to Ortega, the arts don't have to tell a human story; art should deal with its own forms—and not with the human form.

Sentence Openers
How writers open their sentences makes prose agile, interesting, and athletic. This e-book teaches how to break the pattern Subject-verb-object--and discard openings that begin with nouns, articles, and pronouns.

East of Tiffany's - bestseller $5
With the city as its backdrop "East of Tiffany's" is filled with earnest tales of love, loss, faith, success and morality. While business terminology is interwoven throughout these short stories, it's not business lessons that I take away with me, but life lessons. The circumstances and the characters' profound humanity are relatable despite their zip code . "Luke, Postmodern Man" offers a new vista into faith, suffering, and love of neighbor. Way after you read this book you'll find yourself thinking about the various characters throughout the series of stories and will find solace in their unwavering faith. The narrators' ability to reflect on their hardships with such serenity is inspiring.



My writing was as flat as a sidewalk. And then I downloaded ...

Mary Duffy's Toolbox for Writers
After I purchased Mary's e-book I started to get 'A's in my essays and term papers! Every page is filled with great writing tips, training lessons, and wonderful useful writing skills! Not only do I write essays for college, but also short stories!
--IVONNIE Indrawan
College student
Sentence Openers on KINDLE

Sentence Openers on NOOK













All my books are now in KINDLE


Ideas About the Novel by Ortega y Gasset - my translation $0.99
Torquemada at the Stake by Perez Galdos- my translation $0.99
Lazarillo of Tormes - my translation $0.99
Dehumanization of Art by Ortega y Gasset - my translation $0.99
Sentence Openers
East of Tiffany's - bestseller $5


The most beloved short story from Spanish literature
All my books are in NOOK $0.99 or in Amazon KINDLE $0.99








All my books are now in NOOK

Ideas About the Novel is a prophetic book that all writers must own.
Ideas About the Novel by Ortega y Gasset - my translation $0.99

Next to Cervantes, Benito Perez Galdos is the most beloved Spanish writer of all times.

Torquemada at the Stake by Perez Galdos- my translation $0.99

Lazarillo of Tormes - my translation $0.99
Read it in contemporary English -- No Thous, Thees, or King James' Bible language.

Dehumanization of Art by Ortega y Gasset - my translation $0.99
The Dehumanization of Art— is now a constant in music, literature, aesthetics, and philosophy, having come to mean that in post-modern times human-shaped mimesis (representation of the human) is irrelevant to art.

Sentence Openers
How writers open their sentences makes prose agile, interesting, and athletic.

East of Tiffany's - bestseller $5
With the city as its backdrop "East of Tiffany's" is filled with earnest tales of love, loss, faith, success and morality.



My writing was as flat as a sidewalk. And then I downloaded ...

Mary Duffy's Toolbox for Writers
After I purchased Mary's e-book I started to get 'A's in my essays and term papers!
--Ivonnie Indrawan
College student
Sentence Openers on KINDLE

Sentence Openers on NOOK





Available in KINDLE $0.99


Available in KINDLE $0.99

Saturday, April 17, 2010

Investing in Stocks

1903 stock certificate of the Baltimore and Oh...Image via Wikipedia

Whenever we hear the word investment, what comes to our mind is: "money saved and put in a vehicle that makes it grow." Anyone who invests money wants the risk to be low and wishes that the money grew faster. Because there are numerous investment options like stocks, debentures, bonds, and mutual funds, investors get confused and many of us end up making a bad decisions.

Before we take the plunge and invest in stocks, we should learn at lest the fundamentals of stocks (also called shares).
What are stocks?
Stocks are certificates of ownership in a corporation. If you buy one share of Microsoft, you become part owner of Microsoft--a very small ownership. But if you own thousands of shares you could be a large owner of that corporation.

Why do people buy stock?
The main reason to buy stocks is the return on investment that they may yield. By investing in stocks we have a better chance to make our money grow. Market experts share this opinion. If you compare the returns that one gets from other different investments, stocks would still be the top option.
Investors who buy stocks expect to get returns (on investment) from two sources: (1) from dividends (2) from capital gains.

What are dividends?
Dividends are what stock owners get as a share of the profits. Dividend checks are usually small. And the corporation isn't obligated to pay. The board of directors has to approve the payment of the dividend and the directors will approve the dividend if –if and only if-- the company made profits and there is enough cash flow. Dividends are considered regular income and are taxable.

What are capital gains?
Capital gains occur when the price of the stock goes up in value. If you bought one share at $20, and six months later the market value is $28, then you have a capital gain of $8. You'll have a 'realized capital gain' if you sell the stock--that means that you are taking your profits out. If you don't sell the stock and hold on to it, you have 'unrealized' or 'paper capital gains.'

Most investors buy stocks because of the opportunities for making capital gains. Dividends are of secondary importance because the amount is so small compared to potential capital gains.

Capital gains are also taxed, but at a lower rate than regular income.
Stocks are considered liquid investments and since you can easily sell them and cash out.

What is Diversification?
Every wise investor should have portfolio that is diversified. Buy shares of stock not just from one company, but from as many companies as your capital allows. When you hear the expression: "Do not put all your eggs in one basket," what that means is diversify! Diversify!

What is the minimum investment?
You do not have to start up with a huge sum to buy the stocks. You can easily open an account with an ‘online’ broker with as little as $2,000.
In a follow-up article I will explain how I manage my own portfolio.

How to Diversify



Debt Financing



Credit Scores



P/E Ratio, Crystal Ball


If you are interested in seeing how I achieved personal success in the United States, you may find my book of short stories East of Tiffany's interesting. Some of the stories are based on my life as an executive, investment banker, and financial adviser to wealthy investors in the East Side of Manhattan.
Close to half-million people have read East of Tiffany's so far. Order your copy from either Amazon.com or Barnes and Noble.
Since English is my second language, Mary Duffy --a master of the English language-- aided me not only with the editing, but she also contributed her own stories. I love her writing in "When You Wish Upon a Star." This is a story based on a personal friend's life.


Current Liabilities



Adam Smith and Wealth



Personal Budgeting


Investing in Stocks


Senada Selmani, model

To write great blogs, e-mails, term papers, essays, or fiction - Get Mary Duffy's

Sentence Openers





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Professor Guerrero's Blog

Co-author of East of Tiffany's, 13 short stories that will warm your heart - See 101 reviews in Amazon.com and 37 in Barnes and Noble.

on KINDLE on NOOK

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Book Reviews   Accounting 1   How to Become a Writer   Personal Finance   Self Help, Wealth, & Learning

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