Bitcointalk Username: Klugerthur
BTC Address for payouts: 18ZZA6A65xiKrSwH1oH2jnNAfnu2wVcvNz

I don't think you'll be able to reduce them, but you can avoid them quite easily. Whenever you think about investing, check out the forums and some othe reliable sources of information.

Avoid lending programs that promis you a steady percentage of daily earnings at all costs. Other than that, this market is very volatile and making exactly 1% profit daily quite hard if even doable.

ADA and NEO, I think NEO can be more profitable than ETH and ADA is self explanatory.

We've got one health, one body, better take care of that in the first place.