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      },
      {
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    "sections": [
      {
        "title": "Investing Skill",
        "body": "A comprehensive investing assistant tailored for Lithuanian investors, inspired by šešiNuliai.lt philosophy."
      },
      {
        "title": "Core Philosophy",
        "body": "Based on evidence-based, passive investing:\n\nVWCE & Chill - Simple, low-cost global ETF strategy\nLong-term focus - 10+ year investment horizon\nDiversification - Across asset classes and geographies\nLow costs - Minimize fees, maximize returns"
      },
      {
        "title": "Recommended Portfolio (Moderate Risk)",
        "body": "📊 Sample Allocation:\n├── 70% Stocks (ETFs)\n│   ├── 50% VWCE (All-World)\n│   ├── 15% IXUS (Ex-US) or EIMI (Emerging)\n│   └── 5% Small Cap Value\n├── 10% Bonds\n│   └── AGGH or Government Bonds\n├── 10% Crypto\n│   ├── 8% Bitcoin\n│   └── 2% Ethereum\n└── 10% Cash / Short-term\n    └── Savings accounts, MMF\n\nAdjust based on:\n\nAge (younger = more stocks)\nRisk tolerance\nTime horizon\nIncome stability"
      },
      {
        "title": "Lithuanian Sources",
        "body": "šešiNuliai.lt - Personal finance blog (LT)\nInvestuok.eu - Investment news (LT)\nVz.lt - Business news (LT)\nDelfi Verslas - Business section"
      },
      {
        "title": "International Sources",
        "body": "Bogleheads - Passive investing community\nr/eupersonalfinance - EU-focused Reddit\nJustETF - ETF comparison tool\nPortfolio Visualizer - Backtesting"
      },
      {
        "title": "Market Data",
        "body": "Yahoo Finance - Stock/ETF prices\nTradingView - Charts\nCoinGecko - Crypto prices\nECB - EUR exchange rates, interest rates"
      },
      {
        "title": "check-etf-prices.sh",
        "body": "#!/bin/bash\n# Check key ETF prices\necho \"📈 ETF Prices - $(date '+%Y-%m-%d')\"\necho \"================================\"\n\n# VWCE - Vanguard FTSE All-World\ncurl -s \"https://query1.finance.yahoo.com/v8/finance/chart/VWCE.DE\" | \\\n  jq -r '\"VWCE: €\" + (.chart.result[0].meta.regularMarketPrice | tostring)'\n\n# EIMI - iShares Emerging Markets\ncurl -s \"https://query1.finance.yahoo.com/v8/finance/chart/EIMI.L\" | \\\n  jq -r '\"EIMI: £\" + (.chart.result[0].meta.regularMarketPrice | tostring)'\n\n# Bitcoin\ncurl -s \"https://api.coingecko.com/api/v3/simple/price?ids=bitcoin&vs_currencies=eur\" | \\\n  jq -r '\"BTC: €\" + (.bitcoin.eur | tostring)'"
      },
      {
        "title": "monthly-dca.sh",
        "body": "#!/bin/bash\n# Calculate monthly DCA amounts\nBUDGET=${1:-500}  # Monthly investment budget\n\necho \"💰 Monthly DCA Plan - €$BUDGET\"\necho \"================================\"\necho \"VWCE (70%):   €$((BUDGET * 70 / 100))\"\necho \"EIMI (10%):   €$((BUDGET * 10 / 100))\"\necho \"BTC (10%):    €$((BUDGET * 10 / 100))\"\necho \"Cash (10%):   €$((BUDGET * 10 / 100))\""
      },
      {
        "title": "1. Market Check (5 min)",
        "body": "Run: check-etf-prices.sh\nCheck: Any significant drops (>10%) = buying opportunity"
      },
      {
        "title": "2. News Scan (10 min)",
        "body": "Scan:\n- šešiNuliai.lt - new posts?\n- r/eupersonalfinance - hot topics?\n- ECB announcements - rate changes?"
      },
      {
        "title": "3. Execute DCA (5 min)",
        "body": "Run: monthly-dca.sh [budget]\nExecute trades via:\n- Interactive Brokers (ETFs)\n- Bitstamp/Kraken (Crypto)"
      },
      {
        "title": "4. Record & Reflect (5 min)",
        "body": "Update:\n- Portfolio tracker spreadsheet\n- Note any deviations from plan\n- Review annual progress"
      },
      {
        "title": "When III Pakopa Makes Sense",
        "body": "Employer contribution - Free money, always take it\nHigh tax bracket - 32%+ marginal rate\nLong horizon - 15+ years to retirement\nOld contract - Pre-2019 rules may be better"
      },
      {
        "title": "Recommended Funds",
        "body": "FundTERNotesGoindex III pakopa0.40%Index-tracking, low costSwedbank Index0.45%Also index-basedLuminor Index0.50%Decent alternative\n\nAvoid: High-fee active funds (1%+ TER)"
      },
      {
        "title": "Yearly Optimization",
        "body": "Max out employer match first\nCalculate tax benefit vs fees\nConsider personal IBKR account for overflow\nReview fund performance annually"
      },
      {
        "title": "Core Holdings (90% of crypto allocation)",
        "body": "Bitcoin (BTC) - 80% of crypto\nEthereum (ETH) - 20% of crypto"
      },
      {
        "title": "Rules",
        "body": "Never more than 10% of total portfolio\nDCA monthly, don't time the market\nSelf-custody for large amounts (Ledger/Trezor)\nHold through cycles (5+ years)"
      },
      {
        "title": "Where to Buy (EU)",
        "body": "Bitstamp - Low fees, EU regulated\nKraken - Good security, SEPA\nCoinbase - Easy, but higher fees"
      },
      {
        "title": "Emergency Fund",
        "body": "Before investing, ensure:\n\nEmergency Fund = 3-6 months expenses\nLocation: High-yield savings account\nCurrent best rates (LT):\n- Swedbank Taupomasis: ~3%\n- SEB Taupomoji: ~2.5%\n- Revolut Savings: ~3.5%"
      },
      {
        "title": "Capital Gains",
        "body": "15% tax on gains\nHolding period: No benefit for long-term (unlike US)\nLosses: Can offset gains in same year"
      },
      {
        "title": "III Pakopa Tax Benefits",
        "body": "Contribution: Deduct from taxable income (up to €1,500/year)\nWithdrawal: Taxed at 15% (or 0% if after retirement age)"
      },
      {
        "title": "Crypto",
        "body": "15% on realized gains\nTrack cost basis carefully\nReport in annual declaration"
      },
      {
        "title": "Daily Price Alert",
        "body": "{\n  \"name\": \"Daily Market Check\",\n  \"schedule\": { \"kind\": \"cron\", \"expr\": \"0 9 * * 1-5\" },\n  \"payload\": {\n    \"kind\": \"agentTurn\",\n    \"message\": \"Check VWCE, BTC prices. Alert if >5% change from yesterday.\"\n  }\n}"
      },
      {
        "title": "Monthly Investment Reminder",
        "body": "{\n  \"name\": \"Monthly DCA Reminder\",\n  \"schedule\": { \"kind\": \"cron\", \"expr\": \"0 10 1 * *\" },\n  \"payload\": {\n    \"kind\": \"agentTurn\",\n    \"message\": \"Monthly DCA time! Check budget, run monthly-dca.sh, execute trades.\"\n  }\n}"
      },
      {
        "title": "Quarterly Review",
        "body": "{\n  \"name\": \"Quarterly Portfolio Review\",\n  \"schedule\": { \"kind\": \"cron\", \"expr\": \"0 10 1 1,4,7,10 *\" },\n  \"payload\": {\n    \"kind\": \"agentTurn\",\n    \"message\": \"Quarterly review: Check allocation drift, rebalance if >5% off target, update spreadsheet.\"\n  }\n}"
      },
      {
        "title": "Books",
        "body": "\"The Simple Path to Wealth\" - JL Collins\n\"A Random Walk Down Wall Street\" - Burton Malkiel\n\"The Bogleheads' Guide to Investing\""
      },
      {
        "title": "Websites",
        "body": "šešiNuliai.lt (LT)\nBogleheads.org\nJustETF.com\nr/eupersonalfinance"
      },
      {
        "title": "Tools",
        "body": "Portfolio Visualizer (backtesting)\nIBKR (brokerage)\nNotion/Sheets (tracking)"
      },
      {
        "title": "Disclaimer",
        "body": "This is not financial advice. Do your own research. Past performance does not guarantee future results. Investing involves risk of loss.\n\nSkill created based on research from šešiNuliai.lt, Bogleheads, and EU personal finance communities."
      }
    ],
    "body": "Investing Skill\n\nA comprehensive investing assistant tailored for Lithuanian investors, inspired by šešiNuliai.lt philosophy.\n\nCore Philosophy\n\nBased on evidence-based, passive investing:\n\nVWCE & Chill - Simple, low-cost global ETF strategy\nLong-term focus - 10+ year investment horizon\nDiversification - Across asset classes and geographies\nLow costs - Minimize fees, maximize returns\nAsset Allocation Framework\nRecommended Portfolio (Moderate Risk)\n📊 Sample Allocation:\n├── 70% Stocks (ETFs)\n│   ├── 50% VWCE (All-World)\n│   ├── 15% IXUS (Ex-US) or EIMI (Emerging)\n│   └── 5% Small Cap Value\n├── 10% Bonds\n│   └── AGGH or Government Bonds\n├── 10% Crypto\n│   ├── 8% Bitcoin\n│   └── 2% Ethereum\n└── 10% Cash / Short-term\n    └── Savings accounts, MMF\n\n\nAdjust based on:\n\nAge (younger = more stocks)\nRisk tolerance\nTime horizon\nIncome stability\nData Sources\nLithuanian Sources\nšešiNuliai.lt - Personal finance blog (LT)\nInvestuok.eu - Investment news (LT)\nVz.lt - Business news (LT)\nDelfi Verslas - Business section\nInternational Sources\nBogleheads - Passive investing community\nr/eupersonalfinance - EU-focused Reddit\nJustETF - ETF comparison tool\nPortfolio Visualizer - Backtesting\nMarket Data\nYahoo Finance - Stock/ETF prices\nTradingView - Charts\nCoinGecko - Crypto prices\nECB - EUR exchange rates, interest rates\nScripts\ncheck-etf-prices.sh\n#!/bin/bash\n# Check key ETF prices\necho \"📈 ETF Prices - $(date '+%Y-%m-%d')\"\necho \"================================\"\n\n# VWCE - Vanguard FTSE All-World\ncurl -s \"https://query1.finance.yahoo.com/v8/finance/chart/VWCE.DE\" | \\\n  jq -r '\"VWCE: €\" + (.chart.result[0].meta.regularMarketPrice | tostring)'\n\n# EIMI - iShares Emerging Markets\ncurl -s \"https://query1.finance.yahoo.com/v8/finance/chart/EIMI.L\" | \\\n  jq -r '\"EIMI: £\" + (.chart.result[0].meta.regularMarketPrice | tostring)'\n\n# Bitcoin\ncurl -s \"https://api.coingecko.com/api/v3/simple/price?ids=bitcoin&vs_currencies=eur\" | \\\n  jq -r '\"BTC: €\" + (.bitcoin.eur | tostring)'\n\nmonthly-dca.sh\n#!/bin/bash\n# Calculate monthly DCA amounts\nBUDGET=${1:-500}  # Monthly investment budget\n\necho \"💰 Monthly DCA Plan - €$BUDGET\"\necho \"================================\"\necho \"VWCE (70%):   €$((BUDGET * 70 / 100))\"\necho \"EIMI (10%):   €$((BUDGET * 10 / 100))\"\necho \"BTC (10%):    €$((BUDGET * 10 / 100))\"\necho \"Cash (10%):   €$((BUDGET * 10 / 100))\"\n\nMonthly Investment Workflow\n1. Market Check (5 min)\nRun: check-etf-prices.sh\nCheck: Any significant drops (>10%) = buying opportunity\n\n2. News Scan (10 min)\nScan:\n- šešiNuliai.lt - new posts?\n- r/eupersonalfinance - hot topics?\n- ECB announcements - rate changes?\n\n3. Execute DCA (5 min)\nRun: monthly-dca.sh [budget]\nExecute trades via:\n- Interactive Brokers (ETFs)\n- Bitstamp/Kraken (Crypto)\n\n4. Record & Reflect (5 min)\nUpdate:\n- Portfolio tracker spreadsheet\n- Note any deviations from plan\n- Review annual progress\n\nIII Pakopa (Pension) Strategy\nWhen III Pakopa Makes Sense\nEmployer contribution - Free money, always take it\nHigh tax bracket - 32%+ marginal rate\nLong horizon - 15+ years to retirement\nOld contract - Pre-2019 rules may be better\nRecommended Funds\nFund\tTER\tNotes\nGoindex III pakopa\t0.40%\tIndex-tracking, low cost\nSwedbank Index\t0.45%\tAlso index-based\nLuminor Index\t0.50%\tDecent alternative\n\nAvoid: High-fee active funds (1%+ TER)\n\nYearly Optimization\nMax out employer match first\nCalculate tax benefit vs fees\nConsider personal IBKR account for overflow\nReview fund performance annually\nCrypto Strategy\nCore Holdings (90% of crypto allocation)\nBitcoin (BTC) - 80% of crypto\nEthereum (ETH) - 20% of crypto\nRules\nNever more than 10% of total portfolio\nDCA monthly, don't time the market\nSelf-custody for large amounts (Ledger/Trezor)\nHold through cycles (5+ years)\nWhere to Buy (EU)\nBitstamp - Low fees, EU regulated\nKraken - Good security, SEPA\nCoinbase - Easy, but higher fees\nEmergency Fund\n\nBefore investing, ensure:\n\nEmergency Fund = 3-6 months expenses\nLocation: High-yield savings account\nCurrent best rates (LT):\n- Swedbank Taupomasis: ~3%\n- SEB Taupomoji: ~2.5%\n- Revolut Savings: ~3.5%\n\nTax Considerations (Lithuania)\nCapital Gains\n15% tax on gains\nHolding period: No benefit for long-term (unlike US)\nLosses: Can offset gains in same year\nIII Pakopa Tax Benefits\nContribution: Deduct from taxable income (up to €1,500/year)\nWithdrawal: Taxed at 15% (or 0% if after retirement age)\nCrypto\n15% on realized gains\nTrack cost basis carefully\nReport in annual declaration\nCron Jobs\nDaily Price Alert\n{\n  \"name\": \"Daily Market Check\",\n  \"schedule\": { \"kind\": \"cron\", \"expr\": \"0 9 * * 1-5\" },\n  \"payload\": {\n    \"kind\": \"agentTurn\",\n    \"message\": \"Check VWCE, BTC prices. Alert if >5% change from yesterday.\"\n  }\n}\n\nMonthly Investment Reminder\n{\n  \"name\": \"Monthly DCA Reminder\",\n  \"schedule\": { \"kind\": \"cron\", \"expr\": \"0 10 1 * *\" },\n  \"payload\": {\n    \"kind\": \"agentTurn\",\n    \"message\": \"Monthly DCA time! Check budget, run monthly-dca.sh, execute trades.\"\n  }\n}\n\nQuarterly Review\n{\n  \"name\": \"Quarterly Portfolio Review\",\n  \"schedule\": { \"kind\": \"cron\", \"expr\": \"0 10 1 1,4,7,10 *\" },\n  \"payload\": {\n    \"kind\": \"agentTurn\",\n    \"message\": \"Quarterly review: Check allocation drift, rebalance if >5% off target, update spreadsheet.\"\n  }\n}\n\nResources\nBooks\n\"The Simple Path to Wealth\" - JL Collins\n\"A Random Walk Down Wall Street\" - Burton Malkiel\n\"The Bogleheads' Guide to Investing\"\nWebsites\nšešiNuliai.lt (LT)\nBogleheads.org\nJustETF.com\nr/eupersonalfinance\nTools\nPortfolio Visualizer (backtesting)\nIBKR (brokerage)\nNotion/Sheets (tracking)\nDisclaimer\n\nThis is not financial advice. Do your own research. Past performance does not guarantee future results. Investing involves risk of loss.\n\nSkill created based on research from šešiNuliai.lt, Bogleheads, and EU personal finance communities."
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    "version": "1.0.0",
    "license": null,
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