Cyberfinanzas.com is the result of forty years of experience of its director, JOSÉ SAÚL VELÁSQUEZ RESTREPO, working as an executive in companies of the most varied sectors and in all administrative fronts, complemented by over thirty years as a professor at the Universidades del Rosario, Central and La Salle in Bogotá; Universidad de Antioquia, Universidad de Medellín and EAFIT in Medellin, as well as many extension courses in the country's major cities, consultants and consultancies, supplemented by feedback received from the interdisciplinary teams that you lead has fallen, writing in a simple and practical to be understood by people with no financial training and for them as well.