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Looks much more better imho!

I think it's a good shot. I would of moved one step further and avoided the parking sign.

Good composition.

I'm personally not a fan of the post-processing style, but that's just personal taste.

quite decent, i like it, could be a tad sharper but i expect that's your gear, i dont like the evil large duck object but that's just me

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3 points · 2 days ago

It doesn’t feel unsharp to me...maybe I’m not seeing it or isn’t very viable to the naked eye

3 points · 2 days ago

Interesting -- It isn't something i'm looking to use because i'm very anti-debt and possibility of loosing here, but i'm sure this will help some out

2 points · 3 days ago

No real gain of your stock picks versus going into an index fund.

Honestly you are probably better off going that route for more diversity or getting a vti.

How old are you? If you are planning long term growth I would go more aggressive since your time horizon is much longer if you are younger

Original Poster1 point · 2 days ago

I'm 25 so I have 20+ years to invest - what companies would you recommend dumping and what would you say I should add?

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I'd probably keep MSFT, DIS, V, LHMT and a few others...but i'd play the risk game a bit with a few promising high growth companies such as Netflix, AMZN, APPLE and companies that have seen rapid growth. You have the time, you may as well take some risk.

It wouldn't hurt to just grab some vanguard mid and small cap too

3 points · 5 days ago

Down .16 this week

Up 1.19 overall

2 points · 5 days ago

What are your goals?

Original Poster1 point · 5 days ago

Solid long term growth, really. ~6% a year

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Cool. So if your time horizon is near. 30 years I think your on a path.

I personally like vanguard total stock market over voo because of exposure to few more small caps.

Would put a small bit into international and maybe something more aggressive since you have a long time frame

Very Happy this week. Overall +1.42% This week +.97%

good on ya for getting a clear pic! the day I went it was all fog. managed to get nice video though. absolutely stunning

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Original Poster1 point · 13 days ago

Thanks! I got lucky on this day!

It was snowy and rainy everywhere else including queenstown but sunny after the mountains in Milford!

This is just as bad as the constant materialist spender that gets a high from consistently buying .

A few things : invest...betterment and m1 are great for beginners and those that kind of want to be low holds and just want to treat their investment account like a bank account

If you are now at the point in your life where you are doing somewhat well c, have a good emergency fund, and are saving a fair amount...also have some fun and give. Don’t be a Scrooge.

If they really care about keeping you they will give you 150k 💁🏾‍♂️

Original Poster118 points · 23 days ago

that's a good addition for sure. I just want to tell people they should get much closer to a subject than most people think. Even in the examples you're giving, the lens is nowhere near as close as I am to the subject. With getting up so close, you can create and find things you would normally not see immediately.

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Another thing that helps in your picture that doesn't help in the two examples above is the lack of leading lines.

You did a good job using leading lines, while the above 2 pictures did not.

89 points · 26 days ago · edited 26 days ago

Why is there a common theme on this sub that if you’re not making hostel friends and meeting other travelers you’re most likely not having fun?

I love strolling around by myself. I’ve been traveling all this year and I hate hostels and stay in guesthouses or airbnbs with the occasional hostel with a private. It’s great. I went through Russia in February, not a single other tourist - wonderful. Occasionally I meet someone I hit it off with and spend a while with them but yeah, I love being alone. The best experiences in Japan for instance were going ti random izakaya’s where nobody spoke English and just having to fumble my way through a dinner order - never would’ve happened if I was not alone.

Edit - this type of post is becoming more and more regular, dunno if this sub might benefit from a sticky post at some point saying something like “You’re not always going to make hostel friends, and that’s okay” - just a thought

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Everyone is different

Some people solo travel for the yearn to meet new people

Some just want to travel alone

Some want the best of both worlds

Waiheke is great. Not even Aussies know it exists!

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Original Poster1 point · 1 month ago

Amazing . No travel brochure really told me about it. Had to figure it out at the hostel

Honestly I’ve been in hostels where the average age was in their 30s and 40s. You can get a private room ...and they even work well for couples.

But I get it...the next best route is legit airbnb

Beginning of the year (sometime early January I started actively depositing into it)

follow r/financialindependance

save save save. IT is so important to save, because if you lose your job or if you don't want your job can call it quits with the amount you have saved's quite important to have savings...

2 points · 1 month ago

I've followed that sub for a while but haven't actually learned about it. I've been meaning to but life has just gotten in the way. I'm definitely planning on following it though.

Ideally I want to start renting properties asap and be able to "retire" from office work by 40, then just manage the properties I own full time and support myself with that income as well as with my investments/savings.

Don't know how realistic that is but I think it's a decent plan at least.

Thank you for the advice!

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No problem. Renting properties is worthwhile if you truly have a passion for real estate. If you enjoy buildings and the maintenance that comes with it (some people really do) and also the renting process (again some really do), I think its a worthy endeavour.

Although another thing I recommend looking into is just plain investing in stocks and ETF's. I personally find that more entertaining.


I remember reading online at one time if the cost of your car repair is about .5 of the KBB value of the car , it would be better worthwhile to scrap it and buy a different car. Not sure if this makes economical sense although as a the different car will still be more expensive. I have a feeling mileage has an effect on this too. As your car goes up in miles it probably would make less economical sense to buy the repair vs buying a used car.

Wondering if you guys have some thoughts on this topic or know a good rule of thumb for this.

5 points · 1 month ago

X = value of the car unrepaired

Y = value of the car if repaired

Z = cost of repair

If Y > X+Z then repair

If Y < X+Z then sell the car as is and buy a replacement

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Original Poster1 point · 1 month ago

Aha I knew this was more simpler than I was making it out to be . Gotta look at the vale all in after repair and go from there

Thanks !

2 points · 1 month ago

Got to break the problem down and not get confused with a completely separate problem, whether you should keep or sell a working car.

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Original Poster1 point · 1 month ago

Yeah I think that’s where I was getting confused on because I was thinking of wasting a sinking cost into a already fixed vehicle but that’s not true

We need to assume an not fixed vehicle (variable x)

Cake day
October 11, 2017

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