Category: Finance & Economics

teleport-assets

Teleport Assets By Remembering 12 Words

Throughout history, many people lost assets through violence, coercion, or corruption. And it’s a sad reality that in many places and cases, people can still be stripped off everything they’ve worked for. In this post, I want to cover a few examples of inability to use the money that we’re convinced we own, especially in …

exit-into-what

Exit Into What? The Curious Case of Bitcoin

Whenever I present Bitcoin to a seemingly curious disciple, an infamous question always pops up: “And did you sell?” It’s disappointing but I don’t hold it against them. Bitcoin aside, a person without investing experience has no preference of holding assets to worthless cash. Most people think in terms of “making money”, effectively asking whether …

short-squeeze

Not Everything is a Short Squeeze

Short Squeeze is a term that’s often misused since 2021. In this post, I’ll explain exactly what it means and how to correctly describe various market phenomena. Let’s start with the basics: What is Shorting? Shorting or short selling is a strategy where a trader bets on an asset’s price going down. In other words, when you “short” …

bitcoin million

Can Bitcoin Reach One Million Dollars?

Can Bitcoin reach million dollars? Undoubtedly! Probably not this cycle, but why am I so sure that it’ll happen at all? Well, let’s forget about Bitcoin for a moment. Let me take you on an eye-opening journey… And by the time you’re done reading, you’ll be as certain as I am. House Prices in 1963 …

tax-free-dividends

Receive Tax Free Dividends in The Netherlands

If you’re a long-term index investor residing in the Netherlands, you can receive dividends tax free. Although I’m not a big fan of dividend investing, I still want to share some strategies that ETF investors can utilize without much effort. Basically, you’d leverage the tax treaties and tax codes of different countries to legally avoid dividend …

real-diversification

Real Diversification – Banks, Passports, Residencies, Driving Licences, Assets

As investors, many of us understand the role of diversifying our portfolio across assets and asset classes. However, if you’re pursuing a free and abundant life, handling the financial aspect is just the base layer of the pyramid. In this post, I want to give examples of diversification that most people don’t consider – but …

cash out millions

How to Cash Out Millions in the EU Tax Free

EU has a reputation of imposing oppressive tax rates. While this is true in general, investors can make use of the different treatments of investment profits to significantly lower or even fully avoid paying capital gains taxes. If you’ve made significant profits in the past years, this post will save you a lot of money. …

oppression

50 Facts to Wake You Up From Oppression

Dear reader, do you consider yourself free? If you think paranoia is reserved for the most delusional echelon of conspiracy theorists, I invite you on a journey through 50 eye-opening reality checks. Enjoy! You vs. The Government 1) The sole purpose of your existence, apart from reproduction for the sake of it, is to fund …

citizenships

7 Reasons to Acquire Multiple Citizenships

I’m a big proponent of personal freedom and acquiring multiple citizenships is a major factor for that. When I talk about this, whether on X or IRL, people often seem to misunderstand the benefits a second nationality can provide. In this post, I’ll cover my top 7 reasons why everyone should strive to be a …

capital gains tax

EU Countries Without Capital Gains Tax

Europe is known for high taxes and overregulation. However, there are places throughout this continent that are quite favorable for investors, and especially welcoming for the less active ones. In this post, I’ll summarize the European countries in which it’s possible to lower the capital gains tax rate to 0%. No Capital Gains Tax in Europe …

market-cap

Market Cap vs Fully Diluted Valuation (FDV) – Explanation & Practical Analysis

Market capitalization (or market cap) represents the total value of an asset. For a publicly traded company, the market cap is its current share price multiplied by the number of shares. A hypothetical example: The price per share is $50 There are 10,000,000 shares outstanding The market cap is the price * the shares = …

strategy

Sticking to a Strategy (Notes From the 2020 Recession)

I wrote this post for a discontinued blog during the market crash of March 2020, before the Covid recession was officially announced. I decided to republish it on dpetkovski.com because it’s evergreen content – it gives unique insights into the mind of a retail investor during market turmoil. And the thought process should be applicable …

taxes

Taxes for Dummies – How Tax Works?

Recently I published multiple posts about different types of taxes and their treatment per country. People with similar interests reached out and we’ve had extremely insightful discussions. But I also received questions from beginners that motivated me to write a more general introduction. This post assumes that the reader has absolutely no previous knowledge about …

mortgage-netherlands

Linear vs Annuity Mortgage (The Netherlands)

Many expats in the Netherlands aren’t sure whether to get a linear mortgage or an annuity mortgage. In this post, I will explain the differences between linear vs annuity mortgages. This will allow you to avoid overspending on a cookie-cutter solution from a financial advisor. Annuity Mortgage Annuity mortgage is the most common type of mortgage in the …

inflation explained

Inflation Explained

I’ll start with a story from 2014. A friend from Macedonia started an interesting discussion – how much money a person would need to stop relying on a salary: “In our country”, he said, “you can live comfortably on €400 per month, which is less than €5k per year. Multiply that by 40 (years), and …

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