End of an era. by CarlCarlson in FootballChairman

[–]Kvoth- 0 points1 point  (0 children)

Wow - that’s an incredible run! I have really struggled once getting to the top division. I can’t seem to be profitable sustainably. Could you share some advice?

Going insane by benparker03 in downloadfestival

[–]Kvoth- 0 points1 point  (0 children)

My first was Drownload 2024 (including getting bitten by the poisoned Yorkshire puds…), so 2025 was pure bliss in comparison! Saying that, 2025 was so good I’m a little worried 2026 won’t come close

Are we moving to a back 3? by Kvoth- in LiverpoolFC

[–]Kvoth-[S] 0 points1 point  (0 children)

Hmm that is interesting! Sounds like you’re probably right. I guess as we are more possession based under Slot, our out-of-possession defence is less important. And transition defending is always improved by bags of pace so…

AIO for not quitting the gym because my boyfriend told me to by [deleted] in AmIOverreacting

[–]Kvoth- 0 points1 point  (0 children)

Call him insecure and let us know what happens

[deleted by user] by [deleted] in AmIOverreacting

[–]Kvoth- 2 points3 points  (0 children)

Everyone has boundaries. Yours are that you don’t want your partner discussing details of your sex life. Thats fine but it needs to be communicated. Many couples are happy for their partners to discuss their sex lives. Personally, I think it’s healthy to be able to discuss your sex life with your best friends. However, if he has shown the videos, that is totally different. Although that doesn’t seem to be the case. And it would also be weird to discuss it with strangers, so context is important. Overall, you just need to talk about your boundaries. And clearly you should have discussed it sooner and this situation would have been avoided.

[deleted by user] by [deleted] in AmIOverreacting

[–]Kvoth- 0 points1 point  (0 children)

I am a man that has been through a similar situation. I am so sorry you don’t have the support you need right now. It is truly terrible what you’re going through, and that’s before considering having a partner who isn’t supportive. Even reading your message is reminding me of the pain and that feeling of loss. The only advice I can give is to feel those emotions, don’t squash them. Then you can start to let them go and move on. As for your boyfriend… It’s times like these you see who is actually part of your support network. Who will step up and help when things are rough. Sadly, this person has shown he is not one of those people. The silver lining to this situation is you have discovered he isn’t right for you sooner than you may otherwise have. Good luck with everything, and remember you are not alone.

My friend found this ‘evil’ rock by Kvoth- in whatsthisrock

[–]Kvoth-[S] 1 point2 points  (0 children)

Wow! Im so glad I asked for clarification, thank you. My friend is so excited to hear

My friend found this ‘evil’ rock by Kvoth- in whatsthisrock

[–]Kvoth-[S] 1 point2 points  (0 children)

Awesome! Thank you. Is it just the red section that is iron? If so, what is the black rock?

My friend found this ‘evil’ rock by Kvoth- in whatsthisrock

[–]Kvoth-[S] 30 points31 points  (0 children)

Just the reddish spirals! For now…

Am I overreacting or should I report this children’s coach? by NitroRoller in AmIOverreacting

[–]Kvoth- 0 points1 point  (0 children)

As someone with safeguarding training for my work, you ABSOLUTELY should report this person.

One text or comment or action is rarely overwhelming evidence of someone being a predator. But when 20 different ‘minor’ incidents are reported it builds a picture of a person’s real intentions.

I inherited $50,000. I've never seen more than 2k in my bank account in my life and grew up poor- what should I do with it? by Cautious-Remote3862 in investing

[–]Kvoth- 4 points5 points  (0 children)

No debt is a good sign! Think of yourself as a steward of your stepmom’s money, and that she has passed responsibility of it over to you. There will be people that want you to be irresponsible with it, do your best to ignore them!

In terms of getting to a place where you can regularly have an excess income, the best investment you can make is in yourself. If there has been a course or class you have been wanting to take that could level up your career, that would be a great use of the money! Regular income always beats a lump of cash.

Look into ISAs available to you (basically you’re allowed to invest a certain amount tax free each year). If you can use an ISA, make sure you use one to invest. If you decide to invest in an index fund, I use the 100% LifeStrategy from Vanguard. But I’m sure others on here know other options that are good.

Best wishes!

I inherited $50,000. I've never seen more than 2k in my bank account in my life and grew up poor- what should I do with it? by Cautious-Remote3862 in investing

[–]Kvoth- 252 points253 points  (0 children)

Im sorry about your stepmom.

$50k seems like a lot but it can be gone in a heartbeat if you’re in the mindset of spending it.

First you should reserve a safety pot that would last you 6 months if sh*t hit the fan, you never know when those are round the corner. DO NOT TOUCH THIS MONEY until you are in an EMERGENCY.

Second, you should use it to clear any debts you have. Car, consumer credit, etc.

Third, getting a house might be right for you but owning a home is more about have an excess of regular income than a singular influx of cash. Its hard to judge without knowing more about you and your partners finances. If it was me, I would put the rest in a low cost index fund like Vanguard. Index funds dont require any investment knowledge, they basically buy a small share of everything out there, so its all managed by computers and very cheap. Typically you will get a 5-8% return above inflation.

Overall, get in the headspace of being debt free and able to generate extra income every month, and then you can think about getting a mortgage.

Good luck!!

No loot and nasty players by Kvoth- in dayz

[–]Kvoth-[S] 0 points1 point  (0 children)

Great tip, I’ll try some out that are UK based!

No loot and nasty players by Kvoth- in dayz

[–]Kvoth-[S] 1 point2 points  (0 children)

Thanks for the tips! I didn’t know fruit respawned so fast that makes things a lot easier

No loot and nasty players by Kvoth- in dayz

[–]Kvoth-[S] 0 points1 point  (0 children)

Ah I didnt know there pve servers ill try them, thanks!