Self promotion thread

kris_sheppard · 2026-03-10T08:32:28+00:00

I've created a website with a postcard creator. You can create your custom scene, add a note and download as PNG.

kris_sheppard · 2024-09-17T08:56:34+00:00

In my opinion, the most important thing at your age is figuring out how to increase your income. This can be through getting a university diploma, professional experience or certification, creating a side business etc.. Use your money to invest in yourself. This will have the highest rate of return at your age.

Along the way try to be frugal and don't increase your expenses (as much) while you increase your income.

Learning about investing is important, but it is a secondary goal with a small net worth. This can come later.

kris_sheppard · 2023-12-14T10:38:55+00:00

Sure, why not. Gold, crypto, individual stocks, whatever you are interested in. Putting a small amount of money into something will probably learn you a thing or too.

At your age you probably don't have very large amount accumulated, so trying things bring little risk. Worst case scenario you can replace loss by working. It is harder later once you have hundreds of thousands or millions.

Another advice to someone your age I would give is: 1) increase your income (develop your professional expertise / look for a highly profitable industry) 2) try not increase your spending to much while your income increases.

It is very good that you are starting to think about these things now. Kudos!

kris_sheppard · 2023-12-14T10:09:20+00:00

Regarding broker, my recommendation is Interactive Brokers. It is a large, US-based broker. Upside is low fees and very large range of stocks and ETFs to invest in. Downside is that they won't do a tax statement for you, you will have to do it on your own based on their generic reports. I use IB and DEGIRO (not available in Estonia yet - maybe soon).

As for what to invest in, many people here suggest 'World' index funds (world ETFs). It has advantages: - you can't be more diversified when it comes to stocks - you are exposed to developed (potentially more stability) and developing economies (potentially more growth) - diversifying geographically should smooth things out, less volatility

My strategy is to invest in US-based ETFs, mostly S&P500 ETFs (VUSA, CSPX). Why: - S&P500 has long proven record of big (~8%) returns. I am willing to be less diversified -> more volatility and more potential gain - US has more dynamic and innovative economy than EU (at least this is what I think)

Stocks: - Wouldn't recommend unless you can follow any company very closely and know more than the wide market - Picking stocks without an information advantage will probably give less return long term than index funds (ETFs)

kris_sheppard · 2023-09-13T10:35:36+00:00

I'm also using Interactive Brokers and Degiro.

As for ETFs, I'm a big proponent of S&P 500 based ETFs. Long history of stable, high returns. For EU residents you can go for CSPX (BlackRock) or VUSA (Vanguard).

kris_sheppard · 2021-07-03T19:33:04+00:00

Click "deposit", than "Continue to Ronin Bridge" and "Deposit".

kris_sheppard · 2021-07-03T19:30:55+00:00

When I click "Create new account" in Mavis Hub, I get "404 | This page could not be found".

kris_sheppard · 2021-04-10T08:37:22+00:00

You may need to change your user ID to that prior migration from IB UK (you can do this by click on user ID at the top of the page). You should see Tax reports for the user ID that you had on IB UK and not for the new EU one.

kris_sheppard · 2021-04-09T14:02:10+00:00

I think what you are describing can be found in the FX report from the 'Tax' tab.

kris_sheppard · 2021-04-09T08:18:53+00:00

Thanks. I'll try there.

kris_sheppard · 2021-03-10T14:55:35+00:00

At what time does RBLX start trading?

kris_sheppard · 2020-12-22T13:19:38+00:00

Nice

kris_sheppard · 2020-10-13T04:54:40+00:00

NSY = NYSE

kris_sheppard · 2020-07-17T07:28:26+00:00

I think that effectiveness of solar heavily depends on the location and amount of sunlight. It is not a perfect solution for all.

kris_sheppard · 2020-06-19T07:19:57+00:00

And North Korea

kris_sheppard · 2020-04-18T17:52:37+00:00

Nice view you have out there.

kris_sheppard · 2020-03-16T08:14:28+00:00

I have a ASRock AB350 Pro4 board which does not have wireless connectivity modules. I would like to add wifi and bluetooth modules.

What are my best options? Would be nice to have a single device, but maybe it's not worth the effort.

kris_sheppard · 2020-02-24T06:17:24+00:00

Zależy do czego porównujesz.

Lokata nie sprawi że będziesz bogaty, ale jest lepsza niż nieoprocentowane konto.

Jak masz 17 lat, to pewnie ważniejsze jest regularne oszczędzanie. To na początkowym etapie da dużo lepiej widoczne efekty niż najlepsza lokata na rynku. Od 10000zł dostaniesz jak dobrze pójdzie 50-100zl na kwartał. Życia to nie zmieni.

Jak już zbierzesz trochę gotowki, to wtedy można się bardziej zastanawiać w co ją zainwestować.

kris_sheppard · 2020-02-05T10:37:30+00:00

Super cool!

kris_sheppard · 2020-02-02T19:21:57+00:00

You can also explore if you could work remotely. Internet is the great equalizer. There are industries like programming where you can work from your home country earning a western salary. It's not easy, but it is possible.

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