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5 productos bursátiles de la Bolsa de Valores de El Salvador que pueden contratarse por $100USD.

Hace poco tuve la oportunidad de asistir a una clase financiera en la que mencionaron muchas cosas interesantes sobre Wall Street. Hablaron del riesgo, de los tipos de inversiones, de cómo ajustar tus condiciones para que tu peor escenario sea ganar y de muchas cosas. Sin embargo, muchas eran abstractas y lejanas para mí. No solo en proceso burocrático, sino en cantidades y en geografía. Hablaban de cifras en millones de dólares, que está de más decirlo que se me hace una cantidad inalcanzable.

Tan inalcanzable como la idea de abrirme una cuenta de persona natural extranjera para invertir en Nueva York. ¡Estoy lejísimos! Y aunque no dudo que pueda ser cierto, la realidad es que en estos momentos no tengo ni el dinero ni el tiempo ni la paciencia ni el conocimiento para lidiar con un campo totalmente nuevo que está lejos de mí.

Decidí empezar a hacer mis investigaciones locales con datos reales y accesibles para una ciudadana promedio como yo.

Encontré que la opción con datos fijos públicos son los que están dentro de la categoría de Valores de renta fija. Claro, el interés se sabe desde antes y, aunque son inversiones seguras (por lo tanto, lentas), son claramente accesibles para una persona normal. Los valores de renta variable suelen tener mejores movimientos pero eso indica un tipo de apuesta que es necesario aprender a hacerla de forma diaria o semanal.

Los valores de renta fija se refieren a un préstamo colectivo que los inversionistas otorgan a una empresa pública o privada, e incluso un gobierno, a cambio de un rendimiento.

Los 5 productos bursátiles que encontré con un mínimo de contratación de $100USD son:

  1. Papel Bursátil. Es un valor de deuda o bono, de corto plazo, emitido por empresas en dólares de los Estados Unidos de América. Tiene un plazo de 15 a 360 días y su pago de capital es al vencimiento del plazo.
  2. Certificado de Inversión. Es un valor de deuda de mediano y largo plazo, que es utilizado como instrumento de financiamiento por las Empresas Emisoras. Tiene un plazo de 1 a 30 años.
  3. Valores de Titularización. Es un mecanismo para obtener liquidez ahora, de activos que actualmente no son líquidos pero que lo serán en el futuro.
  4. Bono Corporativo. Es un instrumento de deuda emitido por empresas. Actualmente, en la Bolsa de Valores de El Salvador, se encuentran inscritos diversidad de Bonos Corporativos de Empresas Extranjeras reconocidas a nivel mundial. Plazo de 1 año en adelante.
  5. Bonos Convertibles en Acciones. Instrumento financiero que ofrece características similares a las que ofrece un valor de deuda pero que deja abierta la posibilidad de poder convertirlo en una acción (valor de renta variable). Pago de capital al vencimiento del plazo.

No voy a negar que muchas cosas no me quedan totalmente claras, aún. Este tipo de vocabulario es un poco nuevo para mí. Y aún así, falta investigar el proceso de compra, los requerimientos, dónde ir, cómo hacer y demás cosas. Sin embargo, creo que este es un buen comienzo porque he logrado pasar de los conceptos abstractos internacionales a productos bursátiles accesibles locales.

La información de arriba la he obtenido porque me he leído y resumido el documento llamado Guía Informativa de Productos Bursátiles que ha publicado la Bolsa de Valores de El Salvador.

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Milestones that made me happy this June 2018.

I’m still waiting for a grade to be published but I’m out of the semester, now! ❤ This was the most dreading semester ever but, at the same time, having survived it feels so rewarding! I’ve been studying since August ’17 non-stop and I really needed a time off to restart myself. I’m trying to wake up early but without the need of an alarm, I’m cultivating myself in things that are not University related but I’m working every day and also, I’m taking care of myself, specially, of my eye condition.

I had a surgery on June. Funny thing is, I went to the ophthalmologist because I wanted a general review. In that review, she found some dangerous capsules in my eyes that needed to me taken out immediately, or else I would die (her actual words). I was so scared because I have never had a surgery of any kind before. I was alone. My battery was at 3%, I couldn’t even talk to my family and tell them what was going on.

I went to the waiting room and thank God, one of my friends reached me to ask what was going on and he took care of telling my family what was happening. I received a call to the doctor’s office from my family and everything about my transportation home after  the surgery was ready.

So, I went in the surgery room by myself and I was so nervous. The doctor injected me painkiller and then started working. I got really worried when he was scared to see what my eye had. But more than worried, I was sad. I was sad to myself. Because I always thought it was a matter of sleeping more and rest and don’t be in front of the computer that much time, but it seems I had a big infection in both of my eyelids and those capsules in my right eye. I was sad because I misunderstood all those symptoms and thought that “sleeping later” will take care of it.

After a lot of time (I didn’t even have my phone to see how long it took the operation), I looked like a pirate, went to the pharmacy to buy my medicine and went home to thank God for His Mercy and to sleep.

I started taking the pills and putting the drops and being very disciplined about it. The very next week, I had another consultation and it seems that my scar was closing pretty and my infection was dropped down! I’m having a new consultation next week. I hope my infection is getting more defeated than last time!

I’m pretty happy I survived all of this, I’m beyond grateful to God for allowing me to be here after all this time carrying with those capsules and infection in my eyes, anything could have went wrong but it didn’t because He didn’t want to. And here I am, still, working as hard and as smart as I can but with the extra care and attention that my body needs.

I don’t know about you but I really feel that that was a great milestone this June and quite a dangerous adventure, to be honest!

But also I had one milestone in my digital life. While I was looking like a pirate without actually being able to connect to my computer, YOU helped me achieved a new milestone!

+400 subscribers on WordPress!

You guys, I cannot believe this! We are +400 people here in my little corner of the Internet. Thank you so much for deciding to be here and subscribing and reading! I know there are a gazillion sites over there and the fact that you have actually decided consciously to join my little one fills my heart with joy! Thank you so much for being here! ❤

And if you’re not here yet, I invite you to join on this little box:

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Milestones that made me happy this May 2018

May was wild! To start, this blog turned 10 YEARS OLD! 10 years, can you imagine? I’ve been writing for 10 years and I keep enjoying this so much that I don’t think I’m stopping soon! ❤

My brother came to visit us, too! It was a great mother’s day gift for my mom and our family worked what we had pending. We updated our family photo after 24 years and I got to understand what having a brother means. He went far away when I was 4 years, so I always knew I had a brother but I haven’t had the chance to experience what having a brother means. Thank God I could live that!

Do you know what my favorite night as siblings was? The night where I was working in the living room on my Applied Geology reports, I was doing calculations with my notebook and writing all data on my Mac… next to me, was my brother, he had his audiophones and he was doing stuff on his phone. We were together but we were doing our things, he respected my activities so much, I respected his privacy so much but we wanted to be together that night. That felt amazing. ❤

And, of course, we had a lot of talks, laughs, hugs and stuff, we talked so much that he even advised me to start doing live transmissions. After a while to consider pros and cons, I’m thinking of giving it a shot! I’m a little nervous but also excited.

Last but not least, my semester is coming to and end and I must confess this semester’s strategy SUCKED BIG TIME! I’m saving everything in the next couple of weeks. I’m so stressed and I have something due every single day from now on!

Anyways, that’s not the best paragraph ever but that’s my May! ❤

300 followers on Tumblr!

I think there’s a lot of people over here considering my Tumblr feeds from my other profiles! I’m forever grateful you want to keep in touch with me through my Tumblr! If you decide to subscribe, you’re getting my most recent photos and my most recent posts! ❤

10 years of writing my blog!

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I know I already mentioned it but it is such a great number of weeks writing posts! I had no idea what was going to happen when I opened my blog but I knew I wanted to give it a try. And here I am, 10 years later still creating content and ideas to keep writing every week! ❤

Even though my priorities have change, I still have that thing in the back of my mind that I need to publish something on my blog. And I’ve found a way to keep updating it while having a healthy balance in my life outside the computer.

That’s a thing that took me years to understand, even though documenting your life is very important, specially if you’re trying to build something cool, what’s more important is to actually live your life and being responsible with your commitments.

I opened a Twitch account!

https://www.twitch.tv/kathmontero

Not a milestone per sè but as it’s my 10 year anniversary with my blog and I’m a big cycle believer, I thought I should give it a try!

See, 10 years ago my brother gave me a computer, its name was Lalo, and that computer had a program which had a blog option and I started blogging. 10 years later, almost same story, except I’m better at managing my time and sleep schedule, haha! ❤

I’m planning to play video games that I like and chat a little bit with you, guys, since it seems I can’t have a reunion with every single one of you, how about a reunion with all of you! I think it will be interesting and, also, you’ll help me get my golden trophy at Plants vs Zombies, haha! ❤

That’s it for May, let’s see what happens on June, yo!

I’m 28.

Yesterday was my birthday and I can’t believe how blessed I am.

I’m always happy for my birthday but this year I had a lot of surprises waiting for me! Titi gave me as a birthday present a new version of me! Last Sunday we went to the beauty salon and had our hair done. Now it’s straight with little to no effort and I must say that it’s really comfy to be able to sleep one more hour every morning because I spend less than 10 minutes a day in the hair part.

As I felt prettier, I said to myself I’d celebrate the entire week, I’d wear clothes that made me feel even more pretty and I’m really happy I kinda accomplished it! You have no idea how amazed my friends were every day of seeing a new version of me! They were really excited of how my exterior was improving but my essence was constant! ❤

So, my official birthday started with a really close and loving celebration, with a little cake as a breakfast + cinnamon tea in my house with my family! ❤ In my head, I had a lot of appointments for that day, so, we talked it out and decided to celebrate real early instead.

Then, I went running to the University because I had a final of Geology! Final which I did running, as well, because I had another activity at the end of it. I had a presentation to attend for another subject about entrepreneurship for Economics Fundamentals.

It seems like I always spend my birthday around the people I love, but somehow, this birthday it did not happen quite like that. I was alone, but not in a bad way. See, that last presentation took SO MUCH TIME that I had to cancel the coffee with my crush.

My agenda was, then, clear until 3pm so I went shopping. Since I lost a lot of weight, none of my jeans fit anymore! I wanted a new pair and after the longest presentation ever, went directly to the store. I ended up getting two pairs and a lot of make-up because at 3pm I had a makeup class with Titi.

Except that I didn’t (wait for it).

She told me we had a makeup class and I started getting makeup to ask questions about how to use stuff because I’m clueless about that specific topic. My knowledge is very basic: sunscreen, concealer, powder, blush and lipstick are my only tools. I have a lot of colors because I’ve been collecting them for a couple of months and then, my friends and family gave them to me as presents, as well. So, I had a little box with the basics. But, went shopping for an eyeliner, a new blush color and a new matte lipstick, so I can have a more sober look.

Anyway, as I knew I had to walk a lot to get to the salon, I wore some tennis and took the public transportation to get there. I started walking and got lost. This was so funny because, I called Titi and told her I had no idea where I was and she said to me: Wow, you’re using your phone in the street, THIS IS SO NOT YOU! (Because it’s true, when I’m moving myself on the city, my phone is always hidden! And specially now that Titi gave it to me and it’s the most advanced phone ever! ❤ I don’t want to lose it!). And I told her I was lost and kinda desperate but also, I was in front of some soldiers, so I thought I wasn’t in danger. She agreed and locate me and directed me to the salon.

Finally got to the salon and there it was one of my dearest friends I met thanks to Twitter, @miljef! He gave me this big hug to wish a happy birthday to me and welcoming me to the salon and then, I took a sit. He introduced me to his boyfriend and business partner @robertolemusjr and then, he was like: well, let’s get started! Sit here, take of your shoes…

And I didn’t understand, I was there for a makeup class with Titi and she wasn’t there, so, in my head, we couldn’t start with the class. But also, I didn’t relate my feet with the makeup. I asked for Titi like twice or thrice and then, they told me that Titi bought a beauty spa day treatment for me as a birthday present!!!

I WAS IN SHOCK! In a very good shock! I was totally surprised, I didn’t expect this at all, I promise I went there with the intention to take notes of every question she had and ask about the eyecat, maybe, but surely I wasn’t aware that I was about to be like the queen of that day!

And I must say I really felt like that. I had a face mask that cleaned and hydrated me, then they did my nails and gave me as a birthday present the gel nail polish! I chose the red wine color! And all the stuff was taking care of me, they gave me water, they gave me coffee, they gave me great laughs, great stories, good time, good conversation and then, it hit me!

Titi didn’t just gave me a good treatment and a great surprise and a lot of new knowledge, she knew me so well that she wanted me to feel really comfortable during ALL the process, she knows I’m very shy in new places with new people, she knows I don’t talk when there is a new person around, she knows that and she chose a beauty salon where I can enjoy my day but also feel free enough and loved enough to be able to say out loud every question and doubt I had.

I felt SO loved in that second because I didn’t have to say all these things to her, she just knew, she saw me over the years and read me!

But there was a second AHA moment I was about to have in the day.

See, the makeup class was still coming! And I was about to ask all the questions, document the entire process, write all the details, because the idea is to have a more professional look during the day but also be prepared if anything comes up, like events. Can you see it? She was just giving me a new makeup look so I can take good pictures that day and remember my 28th day forever, she was encouraging my DIY-ness because I always like to take care of whatever I can take care of.

Scarfs? I’ll knit it.
Hair? I’ll cut it.
Food? I’ll cook it.
Nails? I’ll paint ’em.
Books? I’ll write ’em.
Photos? I’ll take ’em.
Yoga? I’ll learn it.
House? Eventually, I’ll build it.

I’m always doing stuff on my own and she knew that I needed some professional knowledge to, then, learn to recreate it in my house and improve it since then.

I felt SO blessed in that second! Can you believe how amazing she is she just knew all this about me?

My 28th birthday was BEYOND amazing, I learned a lot, felt surprised a lot, relax a lot, felt beautiful a lot, felt loved a lot and saw all the blessings around me! It was the best birthday ever! ❤

And I really feel confident enough to say it was the best birth week, too! Even though I’m writing this on a Friday (I’m still missing the weekend here) but today was my last day of academic commitments and my last day of planning my outfits and, I ended up getting my birthday coffee with my crush, too. I won’t get into much detail here because that’s part of my private life, but, please, know that I’m happy whenever we see each other.

And tomorrow (Saturday) I have a family breakfast; Sunday, I have friends lunch and another lunch on Monday. My birthday was all about me, yes, but that helped me to understand that I’m loved because of who I am and my friends and family want to celebrate with me the fact that I’m still here for another good year!

I couldn’t be more grateful that I am today, I’m very happy God blessed me with all of you, I’m really thankful you’re still here after so long and I ask God for your protection!

Thank you so much to everyone who wished me a happy birthday, know that all of your prayers came to me as a very warm feeling in my heart! I received all the blessings you asked for me, yes, I did. ❤

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Taking it personal.

It seems that taking everything personal has helped me to create obstacles in several areas of my life. A few weeks ago, I had a talk about it with one of my best friends and she advised me to NOT take everything personal. She was… Read More