Investing & Wealth
Caleb Mercer5 min
Bitcoin ETF vs. Owning Bitcoin: Pros, Cons & Tax Rules
Spot Bitcoin ETF or direct Bitcoin? Compare custody, expense ratios, IRA access, wash-sale rules, and IRS tax forms (1099-B vs. 1099-DA) before you buy.
Author
Caleb Mercer
Former lead product manager at a UK-based neobank who helped launch three connected banking integrations. Caleb now writes about PSD3 proposals, bank APIs, and how open finance is forcing legacy institutions to play nicely with startups. He lives in Berlin and insists on testing every budgeting API firsthand. CS degree from Imperial College London.
Caleb Mercer is an Open Banking and API Correspondent with a CS degree from Imperial College London. Formerly a lead product manager at a UK neobank, Caleb successfully launched three major banking integrations. Now based in Berlin, he provides expert analysis on PSD3 and open finance trends. By personally testing every budgeting API, Caleb offers clients a unique, hands-on perspective on how technology is revolutionizing the legacy-startup dynamic.
34Articles
Latest: October 24, 2026
Topics: Investing & Wealth, Money Management, Banking & Credit, Financial Product Reviews +3 more
Articles by Caleb Mercer
34 articles
Investing & WealthCaleb Mercer6 min
Crypto Staking: Rewards, Risks, and U.S. Tax Basics
Learn how crypto staking works, compare methods, weigh risks and withdrawal limits, and understand U.S. tax considerations before committing tokens.
Money ManagementCaleb Mercer5 min
Balance Transfer vs. Personal Loan: Which Costs Less?
Compare balance-transfer fees, loan APRs, monthly payments, and payoff timelines to estimate which debt payoff option may cost less.
Banking & CreditCaleb Mercer6 min
How to Freeze Your Credit Report at All 3 Bureaus (Free)
Learn how to freeze your credit report at Equifax, Experian, and TransUnion for free. Follow the steps, confirm each freeze, and lift it when needed.
Banking & CreditCaleb Mercer5 min
How to Dispute Credit Report Errors (Step-by-Step Guide)
Learn how to successfully dispute credit report errors. Find out which mistakes qualify, what proof you need, and how to contact bureaus and furnishers.
Investing & WealthCaleb Mercer6 min
What Is a Bull Trap in Stock Trading?
A bull trap is a false signal that rising prices will continue, luring investors before a reversal. Learn how to recognize and avoid these costly traps.
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