Hi, my name is Fernando and I am ready to help. I was born in San Antonio TX, but I recently moved to Denver CO. I usually travel a lot for work so online tutoring works perfect for me.

I hold a bachelor's degree in Financial Administration. In 2013, I got a full scholarship to study my master's in Applied Economics at the University of Paris 1 (France). I have obtained both of my degrees with honors and I am looking forward to pursue my PhD studies.

I am a part time professor of finance and economics at the International University of Ecuador (online higher education) since 2016 and I currently work as the Executive Director of UEX Ecuador, an educational nonprofit that aims to train small producers to improve their quality of life.

I am also an independent investor and trader in the US stock market: NYSE and Nasdaq. I invest in mutual funds, bonds, stocks and options (covered calls and cash-secured puts).

Due to my academic background and professional experience, I am able to tutoring the following subjects and general topics:

FINANCE
- Financial Statements, taxes, and cash flow
- Long-term financial planning and growth
- Valuation of future cash flows (bonds and stocks)
- Capital budgeting: project analysis and evaluation
- Risk and return
- Cost of capital and long-term financial policy
- Short-term financial planning and management
- Internacional corporate finance

MACROECONOMICS
- Classical Theory: national income, money and inflation, the open economy and unemployment
- Growth Theory: capital accumulation and population growth
- Business Cycle Theory: economic fluctuations, aggregate demand and aggregate supply
- Macroeconomic policy debates: stabilization policy, government debt and budget deficits

MICROECONOMICS
- Markets and competition: demand and supply
- Elasticity of demand and supply
- Consumer surplus and producer surplus
- The costs of taxation: the deadweight loss
- International trade: the winners and losers
- Economics of the public sector: externalities and market inefficiency
- Firm behavior and the organization of industry: competitive markets, monopoly, oligopoly, monopolistic competition
- The economics of labor market: demand and supply of labor, earnings and discrimination, income inequality and poverty
- The theory of consumer choice

In addition to my academic background in Economics and Finance, I am also a native Spanish speaker. My passion for learning languages has led me to teach and tutor Spanish for several years. Some of the topics I could go through are the following:

SPANISH
- Basic, intermediate and advanced levels
- Conversational Spanish
- DELE Preparation
- Spanish for business
- Spanish for kids
- Spanish for traveling

My classes are practical and fun. I like to disentangle concepts and to use simple situations as examples so that students become more familiar with the topics and can grasp the core idea of things.