Carlos Mendes

Author

Especialista em investimentos com certificação CNPI-T. Atua no mercado financeiro há mais de dez anos, com foco em renda variável e planejamento financeiro pessoal.

investimento
ações
renda-fixa
cripto

Published articles

Financial planning desk with notebook, calculator, and budget spreadsheet

Finanças

How to Get Out of Debt and Start Investing in 2026

A step-by-step guide to eliminating debt, building financial stability, and beginning your investment journey with confidence.

Calculator with coins and financial planning materials representing credit score management

Finanças

Credit Score Basics: How to Build and Improve Yours

Learn what credit scores are, why they matter, and proven strategies to build and improve your credit score in the United States.

Rising bar chart showing investment growth and financial progress

Finanças

How to Build a Diversified Investment Portfolio on a Moderate Income

Learn practical steps to create a balanced investment portfolio when earning $60,000 or less per year, with actionable strategies for long-term wealth building.

Piggy bank with coins representing emergency fund savings

Finanças

How to Build a Six-Month Emergency Fund: A Step-by-Step Guide

Learn how to build a complete emergency fund in just six months with practical strategies, actionable steps, and realistic savings plans that work for any income level.

Financial graphs displayed on a laptop screen showing investment growth

Finanças

How to Invest in US Treasury Bonds with Little Money

Learn how to start investing in US Treasury securities with as little as $100 through TreasuryDirect, even if you are a beginner with limited capital.

Rising bar chart showing investment growth over time

Finanças

How to Start Investing in Index Funds with Little Money

Learn how to begin building wealth through index fund investing, even with a small budget. This guide covers choosing the right platform, selecting funds, and making your first investment.

Calculator with coins and financial documents representing fixed-income investment planning

Finanças

How to Choose Between CDs and Treasury Bonds for Beginners

Learn the key differences between Certificates of Deposit and Treasury bonds to make informed decisions about your fixed-income investments.

Real estate investment portfolio generating monthly dividend income

Finanças

How to Invest in REITs for Monthly Income: A Complete Guide

Learn how to build a reliable monthly income stream through Real Estate Investment Trusts (REITs) with this step-by-step guide for US investors.

Tax documents and calculator on desk with pen ready for filing investment income tax return

Finanças

How to Report Investment Income on Your Tax Return

Learn the step-by-step process for reporting stocks, bonds, dividends, and capital gains on your US federal tax return using IRS forms.