{"id":2453,"date":"2024-03-24T15:03:49","date_gmt":"2024-03-24T15:03:49","guid":{"rendered":"http:\/\/localhost\/dpetkovski\/?p=2453"},"modified":"2024-07-03T19:03:16","modified_gmt":"2024-07-03T19:03:16","slug":"investing-expenses-full-breakdown","status":"publish","type":"post","link":"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/","title":{"rendered":"Investing Expenses &#8211; Full Breakdown"},"content":{"rendered":"<p>Investing is associated with various types of expenses.<\/p>\n<p>Your goal as an investor is to keep these as low as possible.<\/p>\n<p>Below are a few examples of expenses you\u2019d face as a <a href=\"https:\/\/dpetkovski.com\/why-the-stock-market-always-goes-up\">stock market investor<\/a>:<\/p>\n<ul>\n<li><a href=\"https:\/\/dpetkovski.com\/total-expense-ratio-the-importance-of-keeping-it-low\/\">TER (Total Expense Ratio)<\/a><\/li>\n<li>Entry and exit fees<\/li>\n<li>Broker\/bank fees<\/li>\n<li>Transaction fees<\/li>\n<li>FX conversion costs<\/li>\n<li><a href=\"https:\/\/dpetkovski.com\/investment-taxes-in-all-eu-countries\/\">Taxes<\/a><\/li>\n<\/ul>\n<p>Not all of these are associated with every investment type, so let\u2019s dissect where they\u2019re applicable and how they can affect your portfolio.<\/p>\n<div>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_60 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-66e419e685875\" ><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" aria-label=\"item-66e419e685875\"  type=\"checkbox\" id=\"item-66e419e685875\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/#Total_Expense_Ratio_TER\" title=\"Total Expense Ratio (TER)\">Total Expense Ratio (TER)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/#Entry_and_Exit_Fees\" title=\"Entry and Exit Fees\">Entry and Exit Fees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/#BrokerBank_Fees\" title=\"Broker\/Bank Fees\">Broker\/Bank Fees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/#Transaction_Fees\" title=\"Transaction Fees\">Transaction Fees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/#FX_Conversion_Costs\" title=\"FX Conversion Costs\">FX Conversion Costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/#Taxes\" title=\"Taxes\">Taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Total_Expense_Ratio_TER\"><\/span>Total Expense Ratio (TER)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As an <a href=\"https:\/\/dpetkovski.com\/index-investing-index-funds-a-gentle-introduction\/\">index fund<\/a>\/<a href=\"https:\/\/dpetkovski.com\/etfs-exchange-traded-funds\">ETF<\/a> investor, this is a cost you can\u2019t avoid.<\/p>\n<p>The expense ratio is how the fund that manages the portfolio remains profitable. It&#8217;s listed as an annual percentage amount.<\/p>\n<p>However, the fact that you can\u2019t avoid it makes it easier for the decision making process. Basically, find the one with the lowest\u00a0<a href=\"https:\/\/dpetkovski.com\/total-expense-ratio-the-importance-of-keeping-it-low\/\">TER<\/a>.<\/p>\n<p>I\u2019ve seen S&amp;P 500 tracker funds that ask for 1% management fee, while on the other hand:<\/p>\n<ul>\n<li><strong>SPY<\/strong>\u00a0(SPDR S&amp;P 500 ETF) has 0.09%,<\/li>\n<li><strong>IUSA\u00a0<\/strong>(iShares Core S&amp;P 500 UCITS ETF (Dist)),\u00a0<strong>CSPX<\/strong>\u00a0(iShares Core S&amp;P 500 UCITS ETF (Acc)) and\u00a0<strong>VUSA\u00a0<\/strong>(Vanguard S&amp;P 500 UCITS ETF) all have 0.07%,<\/li>\n<li><strong>IVV<\/strong>\u00a0(iShares Core S&amp;P 500 ETF) has 0.04%, and<\/li>\n<li><strong>VOO<\/strong>\u00a0(Vanguard S&amp;P 500 ETF) has 0.03%.<\/li>\n<\/ul>\n<p>Find the cheapest fund available to you.<\/p>\n<p>Here&#8217;s my recommendation for <a href=\"https:\/\/dpetkovski.com\/cspx-vs-vusa-vs-iusa-my-thoughts\/\">US market ETFs<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Entry_and_Exit_Fees\"><\/span><span id=\"Entry_and_exit_fees\" class=\"ez-toc-section\"><\/span>Entry and Exit Fees<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These fees are more common with\u00a0mutual funds and index funds. The ETFs don\u2019t have enter and exit fees because they trade on exchanges, same as any shares.<\/p>\n<p>Although it\u2019s not common, have it in mind &#8211; if you see a number greater than 0.25% for enter\/exit fees for a index-tracking fund, look the other way. When it comes to <a href=\"https:\/\/dpetkovski.com\/index-investing-index-funds-a-gentle-introduction\/\">index investing<\/a>, there are plenty of options where you won\u2019t have to sacrifice such a big part of your portfolio.<\/p>\n<p>Of course, you can mitigate this costs by buying ETFs through a broker, but make sure that the overall cost will be lower.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"BrokerBank_Fees\"><\/span><span id=\"Brokerbank_fees\" class=\"ez-toc-section\"><\/span>Broker\/Bank Fees<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You need to choose a low-cost broker if you&#8217;re buying an ETF. Some banks also offer brokerage services.<\/p>\n<p>Different brokers\/banks have different account fees. Some are yearly and some are monthly, some are a percentage of the investor\u2019s portfolio and some are fixed.<\/p>\n<p>Choosing the most appropriate brokerage service is quite a personal journey. But any proper assessment starts with listing the most reputable options available to people in the country you reside in. Only then filter them out based on parameters such as how much money you\u2019re planning to invest, how often, where you live, which ETFs are available, etc.<\/p>\n<p>There is quite some homework to be done here, so make sure to be thorough.<\/p>\n<p>My recommendation is\u00a0<strong>Interactive Brokers <\/strong>&#8211; a <a href=\"https:\/\/interactivebrokers.com\/\">publicly traded brokerage firm<\/a> headquartered in the US, available globally, and competitively priced. As a &#8220;blogger&#8221; that\u2019s not giving you a referral link, you know it\u2019s sincere.<\/p>\n<\/div>\n<div><\/div>\n<div>\n<h2><span class=\"ez-toc-section\" id=\"Transaction_Fees\"><\/span>Transaction Fees<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Brokers and funds also make money by charging commissions (or spread) on trades.<\/p>\n<p>These are one time costs associated with executing buy and sell orders.<\/p>\n<p>One time fees are less malicious than ongoing charges, but it\u2019s best if you can keep these low as well. Check if there are various types of accounts per platform because the trading costs may vary for different account types.<\/p>\n<p>I\u2019ll take DeGiro, a low-cost European broker, as an example. There is a certain transaction fee when buying shares and another for buying ETFs. However, they also have\u00a0<a href=\"https:\/\/www.degiro.ie\/fees\/etf-core-selection\">commission free ETFs<\/a>\u00a0which cost 0$ for the first purchase per calendar month. The details are irrelevant \u2013 I\u2019m pointing out that it can get quite specific to what you\u2019re willing to do.<\/p>\n<p>All of the costs are usually clearly stated on a pricing\/costs page for each platform.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FX_Conversion_Costs\"><\/span>FX Conversion Costs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Depending on the investments, there also may be foreign exchange costs.<\/p>\n<p>For example, if you\u2019re investing in $EUR but owning US distributing ETFs, you might get your <a href=\"https:\/\/dpetkovski.com\/dividend-investing-is-for-suckers\/\">dividends<\/a> in $USD. Make sure to understand what conversion rates are used by your broker and also if there is a fee for converting.<\/p>\n<p>It\u2019s not related to the topic of this post, but I\u2019ll mention my recommendation of\u00a0<a href=\"https:\/\/dpetkovski.com\/accumulating-vs-distributing-etfs\/\">choosing accumulating funds rather than distributing ones<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Taxes\"><\/span>Taxes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>I\u2019ll list some of the taxes and tax-related costs you should be familiar with as an investor:<\/p>\n<ul>\n<li>Capital Gains Tax<\/li>\n<li>Dividend Tax<\/li>\n<li>Wealth Tax<\/li>\n<li>Dividend Leakage<\/li>\n<li>Double Taxation<\/li>\n<\/ul>\n<p>The first three (capital gains tax, dividend tax, and wealth tax) are the \u201cmajor\u201d ones and are crucial to understand\u00a0<strong>before<\/strong> starting your investment journey. If you&#8217;re from Europe, check out: <a href=\"https:\/\/dpetkovski.com\/investment-taxes-in-all-eu-countries\">all investment taxes for EU investors<\/a>. If you&#8217;re new to the game, I&#8217;ll soon publish a post explaining each one of these.<\/p>\n<p><a href=\"https:\/\/dpetkovski.com\/dividend-leakage-understanding-the-hidden-cost\/\"><strong>Dividend leakage<\/strong><\/a>\u00a0and\u00a0<strong>double taxation<\/strong>\u00a0come into play when you want to optimize your costs further, but I wouldn\u2019t call them crucial for beginners. Make sure to understand them thoroughly as your portfolio grows though.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you&#8217;re investing, you <strong>will\u00a0<\/strong>have expenses associated with it.<\/p>\n<p>So don&#8217;t try to avoid all costs, but rather try to minimize them.<\/p>\n<p>Trying to bring your investing expenses to 0 means that you\u2019ll never\u00a0start investing. I suggest not letting\u00a0<a href=\"https:\/\/dpetkovski.com\/5-steps-to-overcome-investing-fear\">investment fear<\/a>\u00a0make the worst investment decision for you \u2013\u00a0<a href=\"https:\/\/dpetkovski.com\/cash-vs-stocks-in-30-years\/\"><strong>the decision of not investing<\/strong><\/a>.<\/p>\n<p>To avoid that, learning about\u00a0<a href=\"https:\/\/dpetkovski.com\/opportunity-cost-with-a-twist\/\">opportunity cost<\/a>\u00a0<strong>won\u2019t<\/strong>\u00a0hurt. Not considering it when evaluating costs\u00a0<strong>will<\/strong>.<\/p>\n<hr \/>\n<p><em>For a comprehensive, beginner-friendly, and <strong>free resource<\/strong> on stock market investing, visit:\u00a0<\/em><\/p>\n<p><a href=\"https:\/\/dpetkovski.com\/how-to-start-investing-a-complete-beginner-series\/\"><strong><em>How to Start Investing: A Complete Beginner Series<\/em><\/strong><\/a><\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investing is associated with various types of expenses. Your goal as an investor is to keep these as low as possible. Below are a few examples of expenses you&rsquo;d face as a stock market investor: TER (Total Expense Ratio) Entry and exit fees Broker\/bank fees Transaction fees FX conversion costs Taxes Not all of these&nbsp;&hellip;<\/p>\n","protected":false},"author":1,"featured_media":2454,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,17,22],"tags":[],"ppma_author":[4],"class_list":["post-2453","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","category-stocks-etfs","category-taxes"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Investing Expenses - Full Breakdown - D. Petkovski<\/title>\n<meta name=\"description\" content=\"Investing expenses are a part of every investor&#039;s journey. Learn not fear these costs - instead, understand and minimize them.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Investing Expenses - Full Breakdown - D. Petkovski","description":"Investing expenses are a part of every investor's journey. Learn not fear these costs - instead, understand and minimize them.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/#article","isPartOf":{"@id":"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/"},"author":{"name":"D. Petkovski","@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/ce4d9bf1ba43635723c9d1b513b58049"},"headline":"Investing Expenses &#8211; Full Breakdown","datePublished":"2024-03-24T15:03:49+00:00","dateModified":"2024-07-03T19:03:16+00:00","mainEntityOfPage":{"@id":"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/"},"wordCount":944,"publisher":{"@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/ce4d9bf1ba43635723c9d1b513b58049"},"articleSection":["Investing","Stocks &amp; ETFs","Taxes"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/","url":"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/","name":"Investing Expenses - Full Breakdown - D. Petkovski","isPartOf":{"@id":"http:\/\/localhost\/dpetkovski\/#website"},"datePublished":"2024-03-24T15:03:49+00:00","dateModified":"2024-07-03T19:03:16+00:00","description":"Investing expenses are a part of every investor's journey. Learn not fear these costs - instead, understand and minimize them.","breadcrumb":{"@id":"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/"]}]},{"@type":"BreadcrumbList","@id":"http:\/\/localhost\/dpetkovski\/investing-expenses-full-breakdown\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"http:\/\/localhost\/dpetkovski\/"},{"@type":"ListItem","position":2,"name":"Investing Expenses &#8211; Full Breakdown"}]},{"@type":"WebSite","@id":"http:\/\/localhost\/dpetkovski\/#website","url":"http:\/\/localhost\/dpetkovski\/","name":"D. Petkovski","description":"","publisher":{"@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/ce4d9bf1ba43635723c9d1b513b58049"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"http:\/\/localhost\/dpetkovski\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":["Person","Organization"],"@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/ce4d9bf1ba43635723c9d1b513b58049","name":"D. Petkovski","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/image\/1375f840626910edc086c1a5da56659f","url":"http:\/\/2.gravatar.com\/avatar\/?s=96&d=mm&r=g","contentUrl":"http:\/\/2.gravatar.com\/avatar\/?s=96&d=mm&r=g","caption":"D. Petkovski"},"logo":{"@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/image\/1375f840626910edc086c1a5da56659f"},"description":"D. Petkovski \ud83d\udcd3 The Author\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Husband &amp; Father Software Engineer\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0StrengthCentric Bitcoin Hodler\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0DeFi Veteran \u00a0 \ud83c\udf0d Everything Enthusiast \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\ud83d\udd25 Optimist Revolutionizing ideas. Simplifying complexity. Sharing knowledge.","sameAs":["https:\/\/facebook.com\/dpetkovski","https:\/\/www.instagram.com\/strengthcentric\/","https:\/\/twitter.com\/petkovskix"],"url":"http:\/\/localhost\/dpetkovski\/author\/petkovski\/"}]}},"authors":[{"term_id":4,"user_id":1,"is_guest":0,"slug":"petkovski","display_name":"D. Petkovski","avatar_url":"http:\/\/1.gravatar.com\/avatar\/?s=96&d=mm&r=g","user_url":"","last_name":"","first_name":"","description":"<span style=\"font-size: 23px\">D. Petkovski<\/span> <br> <br>\r\n\r\n\ud83d\udcd3 The Author\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0  \u00a0 \u00a0 \u00a0 \u00a0<span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f46a.svg\" alt=\"\ud83d\udc6a\" \/> Husband &amp; Father <\/span>\r\n<br>\r\n<span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f5a5.svg\" alt=\"\ud83d\udda5\ufe0f\" \/> Software Engineer\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4aa.svg\" alt=\"\ud83d\udcaa\" \/><\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">\u00a0StrengthCentric <\/span>\r\n<br>\r\n<span class=\"r-18u37iz\"><img class=\"r-4qtqp9 r-dflpy8 r-zw8f10 r-10akycc r-h9hxbl r-9cviqr\" src=\"https:\/\/abs.twimg.com\/hashflags\/Bitcoin_evergreen\/Bitcoin_evergreen.png\" alt=\"\" width=\"20\" height=\"20\" \/> <\/span> Bitcoin <span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">Hodler\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0   \u00a0                            \u00a0 \u00a0 \u00a0<\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4c8.svg\" alt=\"\ud83d\udcc8\" \/><\/span>\u00a0<span class=\"r-18u37iz\">DeFi<\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"> Veteran <\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">\u00a0<\/span>\r\n<br>\r\n\ud83c\udf0d Everything Enthusiast              \u00a0 \u00a0 \u00a0 \u00a0   \u00a0 \u00a0 \u00a0              \u00a0   \u00a0\ud83d\udd25 Optimist <br><br>\r\n\r\nRevolutionizing ideas. Simplifying complexity. Sharing knowledge. \r\n"}],"_links":{"self":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/2453"}],"collection":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/comments?post=2453"}],"version-history":[{"count":7,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/2453\/revisions"}],"predecessor-version":[{"id":3462,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/2453\/revisions\/3462"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/media\/2454"}],"wp:attachment":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/media?parent=2453"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/categories?post=2453"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/tags?post=2453"},{"taxonomy":"author","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/ppma_author?post=2453"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}