Comparing Kentucky VA loans to Kentucky USDA, FHA, and Fannie Mae loans in Kentucky

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Kentucky VA loans Compared to Kentucky USDA, FHA, and Fannie Mae loans in Kentucky

When comparing Kentucky VA loans to Kentucky USDA, FHA, and Fannie Mae loans in Kentucky, several factors come into play, including credit score requirements, income considerations, work history, debt ratios, and how each loan type treats bankruptcy and foreclosure. Let’s delve into the benefits and differences of each loan type:
Kentucky Mortgage Credit Score Requirements:

• Kentucky VA Loan: VA loans typically have more flexible credit score requirements compared to conventional loans. While there’s no specific minimum score set by VA , most Kentucky VA lenders often look for a credit score of 620 or higher. I can do VA loans down to a 580 credit score.
• Kentucky USDA Loan: USDA loans also offer flexibility, with no minimum score required per USDA guidelines, but most Kentucky USDA lenders will want a 640 score or higher. I Can do Kentucky USDA loans down to a 580 credit score on a manual underwrite.
• Kentucky FHA Loan: FHA loans are known for accommodating borrowers with lower credit scores, often accepting scores as low as 500 with a 10% down payment or 580 with a 3.5% down payment.
• Kentucky Fannie Mae Loan: Fannie Mae loans usually require a minimum credit score of 620 or higher, although some lenders may have slightly different requirements.

Kentucky Mortgage Income and Work History:

• Kentucky VA Loan: VA loans consider your stable income and employment history but may be more lenient if you have a history of military service or steady employment. 2 years of employment needed for loan application-minimal job gaps
• Kentucky USDA Loan: USDA loans often have income limits based on the area’s median income, and you need a stable income source. 2 years of employment needed for loan application-minimal job gaps
• Kentucky FHA Loan: FHA loans consider your income stability and work history, with guidelines that vary by lender. 2 years of employment needed for loan application-minimal job gaps
• Kentucky Fannie Mae Loan: Fannie Mae loans typically require a stable income and employment history, similar to conventional loans. 2 years of employment needed for loan application-minimal job gaps

Kentucky Mortgage Debt Ratio Requirements:

• Kentucky VA Loan: VA loans generally have more lenient debt-to-income (DTI) ratio requirements, often allowing for a higher DTI compared to conventional loans. VA loans can get approved on much higher debt to income ratios vs FHA, USDA and Fannie Mae loans. 65% or higher in some situations but if manual underwrite, will want the ratios closer to 41% with good residual income for VA loan. VA loans are the only type of loans that require a residual income…FHA, Fannie Mae, USDA does not have residual income requirements
• Kentucky USDA Loan: USDA loans have very strict DTI ratio limits, typically around 41% to 45% max on the backend ratio and 33% or less on the front end. By far the most restrictive on debt ratios vs FHA, VA, and Fannie Mae loans
• Kentucky FHA Loan: FHA loans also have relatively flexible DTI ratio limits (56% back end ratio possible on a AUS approval), making them accessible to borrowers with moderate levels of debt. Front end ratio max 45%
• Fannie Mae Loan: Fannie Mae loans follow standard DTI ratio guidelines similar to conventional loans. TYpically the second most restrictive on debt ratios right behind USDA loans on tighter debt to income ratio requirements, with the max back-end ratio no more than 50% –Front end ratio max 45%

Kentucky Mortgage Bankruptcy and Foreclosure Requirements:

• Kentucky VA Loan: VA loans are more forgiving of past bankruptcy or foreclosure, often requiring a waiting period of 2 years for Chapter 7 bankruptcy and 1-2 years for foreclosure.
• Kentucky USDA Loan: USDA loans have specific waiting periods after bankruptcy (3 years for Chapter 7) and foreclosure (3 years).
• Kentucky FHA Loan: FHA loans have shorter waiting periods after bankruptcy (2 years for Chapter 7) and foreclosure (3 years).
• Kentucky Fannie Mae Loan: Fannie Mae loans typically require longer waiting periods after bankruptcy (4-7 years) and foreclosure (7 years).

Advantages and Disadvantages of Kentucky VA loans, USDA, Fannie Mae and FHA:

• Kentucky VA Loan Advantages: Zero down payment, competitive interest rates, no private mortgage insurance (PMI) requirement, lenient credit and DTI ratios, and flexible eligibility criteria for veterans and active-duty service members.
• Kentucky VA Loan Disadvantages: Funding fee (although it can be rolled into the loan), limited to eligible veterans, service members, and some spouses.
• Kentucky USDA Loan Advantages: Zero down payment, lower interest rates, flexible credit requirements, and available in eligible rural areas.
• Kentucky USDA Loan Disadvantages: Limited to rural properties, income limits, and property eligibility criteria.
• Kentucky FHA Loan Advantages: Low down payment (3.5%), flexible credit requirements, competitive interest rates, and accessible to first-time homebuyers.
• Kentucky FHA Loan Disadvantages: Mortgage insurance premiums (MIP), stricter property standards, and limits on loan amounts.
• Kentucky Fannie Mae Loan Advantages: Available for a wide range of properties, competitive interest rates, and options for low down payments.
• Kentucky Fannie Mae Loan Disadvantages: Stricter credit and DTI requirements, potential for private mortgage insurance (PMI), and limited flexibility for borrowers with past financial challenges.

In summary, choosing the right loan type depends on your specific financial situation, eligibility criteria, and property location. VA loans offer excellent benefits for eligible veterans and service members, while USDA, FHA, and Fannie Mae loans provide alternatives with their own advantages and considerations.

Joel Lobb Joel Lobb Mortgage Loan Officer

American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223 Company NMLS ID #1364
Text/call: 502-905-3708 fax: 502-327-9119 email: [kentuckyloan@gmail.com](mailto:kentuckyloan@gmail.com)
http://www.mylouisvillekentuckymortgage.com/
NMLS 57916 Company NMLS #1364/MB73346135166/MBR1574
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org). Mortgage Loan Officer

Hello everyone! I wanted to create a post here to share some of my ideas on how to improve some aspects of the adventure, which I believe are lacking in detail and attention. I especially want to improve these things because my players are going to spot some of the weaknesses of the adventure early on, otherwise.
Sorry for the long text ahead! BTW - I am a somewhat newbie DM, with this being my first big campaign. Any comments and suggestions are more than welcome!
There are four main topics I want to either add or improve to the story:

Vecna’s Link

I do quite like the idea of having the PCs linked with Vecna, so much so that I instructed my PCs to create their character's backstory with something that could link them to Vecna. Two players already choose to be the descendants of previous heroes that defeated Vecna early in time (in Die, Vecna, Die! for example) while another chooses to be a former cultist.
I want to explore this further by bringing this to the attention of Vecna himself - at the fight at the end of the quest in Neverwinter (before the story goes to Evernight), the breaking of the ritual will be noticed by him (in some telepathic form, or by having him take control of the leader of the cult in this section). He will be intrigued by how so many individuals that had some relation to him are together in the same plot, and use some of his power to eliminate this minor issue, and turning this into something more interesting for him - by attempting to turn the players into his undead servants.
But this attempt will get the attention of another powerful being: the Raven Queen. Since Vecna is playing so very close to her domain, the Shadowfell, and attempting something she detests, which is raising undead, she uses her power to intercept and stop this - while hiding the truth from Vecna (he will believe he has additional undead in his cult, but bear them no mind - every servant of his is irrelevant).
She guides the player’s souls and bodies back to Shadowfell and tells them she feels Vecna becomes stronger, and will try to attempt something horrid (the ritual hasn’t yet started here, but with the rituals happening with the Cult of Vecna, preparations are being set in place). She also says that her role in this will be limited to saving the players' life - she must see to the protection of her domain and take care of the souls and memories of the damned, and hasn’t clarity on what Vecna is up to, nor where. She gives final advise to players that they must be on their guard, for she managed to keep the PCs alive, but not prevent Vecna’s influence on their lives, forever changed by his attempt (hence - the link).
Again - Ideas on how to improve this whole part are welcome: I feel some pieces are missing to make this a better fulfilling story.
Then, I also want to create different effects to Vecna’s link, either something each of my players has or have them roll a d6 to gain new powers/abilities. I will work on this this week also.
During the adventure, I intend to have the players have visions and dreams of past atrocities Vecna has performed, like his actions in Vecna Lives! (with the gruesome death of the Circle of Eight), the hardships of the people of Citadel Cavitus, the horrid ritual he once tried to be reborn into (both from Vecna Reborn) and his power during the battle in Sigil, once he tried to take over the multiverse (as described in Die, Vecna, Die!).
But wouldn't Vecna feel this link with the players, you may ask? Well, not in this case. I want to link to be something trivial for Vecna, something he gives to his undead servants so they can travel across the multiverse, past his influence. I am adding this now, due to the second topic I want to improve:

Why the Wizards Three are kept in Sigil waiting? Or, how the multiverse has a problem - interplanar travels are blocked by Vecna.

I felt that the Wizards Three giving the players a fetch quest of such importance, after being the “answer to their prayers”, and just standing there waiting for their return, felt… A bit weird.
We are talking about three of the greatest magical casters of the universe of DnD, one of them (Mordenkainen - if he was the real one) HAD suffered losses of close friends to Vecna. I find it strange that they would just… wait for the calamity to happen while simple adventurers take the burden of saving the multiverse.
So, a fix to this: Vecna’s ritual is disturbing the ability of any individual to travel between planes - unless they have Vecna’s link.
So the Wish made by the Wizard’s work! It gives them the answer of the only possible party of people that Vecna can’t control, and that can go after him and any other magical artefact to stop his ritual.
But really, is the Rod of Seven Parts the only thing that can stop him? Would Tasha and Alustriel really believe in this plan given by Kasdenkainen?
This question made me think of the next topic…

How to use the artefacts of Vecna and Kas, alongside the Rod

I want the Rod to be the key that unlocks the Sword of Kas. Where exactly, I’m not sure. Maybe the Sword is with Miska, somehow? (Would appreciate ideas here :) )
For me, Kas wants to take over Vecna’s ritual and defeat him once and for all. In his twisted mind, he did this once - with his sword. He NEEDS IT BACK. It’s his sole objective, and the closest the PCs could be to achieving this, the more manic Kas could become and the more broken would his disguise appear.
Tasha would agree to this plan, I believe - she could be the one to mention that theories appeared over the years that the Sword contains part of Vecna’s soul - therefore, could be the only thing to eliminate him once and for all.
She and Alustriel could also hint that some cultists seem very keen on finding other artefacts linked to the Whispered God - the Hand, the Eye and the Book of Vile Darkness. If Vecna acquires his artefacts, he would be much more powerful, and hardly anyone would be a challenge.
This would create a race against time - the Rod would be important as both a magical artifact against Vecna, as well as a key to part of his demise. The PCs would have to find clues about where the other artefacts are - which would become clear with the presence of the Cult in several places they would visit.
I want the Eye and/or the Book to be with Acererak and the hand to be in Avernus.
I don’t know how I would work with my players who want to use the artefacts themselves - Ideas here are also very welcome!
Mentioning Avernus brings me to my last topic…

Mordenkainen and Kas - would the famous wizard here be out there “doing his thing” with the multiverse in danger?

Yeah, I don’t think so. Mordenkainen might have been quite self-centered in some past stories, but he always wanted to find balance in the universe.
So much so that, one of his last appearances in 5e, is during the Curse of Strahd - he becomes a Mad Mage after not being able to stop the vampire lord’s reign. The players in this particular adventure can aid him in restoring his sanity, and he will move on travelling the multiverse and stopping by Avernus, in his Tower of Urm, to study the effects of the Nine Hells in the schools of magic and (again) to ensure the balance of the universe.
I want to try to bring his tower to Avernus as well. I want the players to find him there, bring this confusion between them - Mordenkainen knows he is unable to travel, doesn’t know for sure why, but has seen a bigger activity of Vecna’s cultists even in the Hells and the players believe he is in Sigil, with the other two wizards.
I intend this to be the revelation that Kasdenkainen is a fraud - but he is ready for this.
I want the confrontation back in Sigil to happen with either the defeat or escape of Kas - If the players would still want his sword, they would have to face Miska, or something similar later on - and the rest of the story proceed as suggested.
I still need to read the book in much more detail to add all these things. Will get to it right after here, as I should have already received access.
Thank you very much for reading all of this! Feel free to add new ideas and use my own in your table. I am also at the Discord server under the same username.

If the death of community can be conclusively ascribed to a single initial wound, I would say that that wound was inflicted by the automobile lobby when they siezed control of public property and enforced private vehicle ownership through propaganda campaigns coining and deriding "jay walking" and the dismantling of local tram systems.
This forced us into more direct competition with each other, spurred the destruction and splitting of neighborhoods during interstate construction, initiated our addiction to cheap oil and allowed for the development of commuter suburbs where we could happily cultivate our picket fenced lawns in between sitting in traffic jams.
This hyper-individualism may not be unique to the United States, but we have perfected it. We compete with each other for everything, space on the roads, houses in good school districts (good because more affluent people congregate there and viciously oppose their tax dollars being used in other districts), parking spaces, leisure space in dwindling public outdoor areas, spots in competitive colleges, jobs that pay more than a poverty wage, etc.
Somehow, we've lost our communities. We've been reduced to cloistered cells composed of ourselves and our family unit. We resent other people for interfering with OUR activities even as they resent us. We are increasingly afraid of our neighbors (https://www.npr.org/2022/09/08/1120099696/americans-fear-attacked-neighborhood-poll, https://www.press.jhu.edu/newsroom/neighborhood-fear-suburban-crisis-american-culture, https://www.thecut.com/2015/08/third-of-americans-dont-know-their-neighbors.html).
To what end?
To reduce us to predictable commodities. Consumers that (I won't use "who" here, because they don't see us as people) will purchase goods and services and allow their personal information to be sold to whoever wants it (corporations, law enforcement, hostile foreign governments) in exchange for some shiny baubles.
The effects of this individualization / commodification are most readily apparent in our reactions to the homelessness epidemic. We have been raised to believe (and indoctrinated by media, the education system and even our own coopted parents) that personal achievement is the ultimate end. That we should be self-made and self-sufficient. That if we work hard we will be rewarded. The converse is seldom explicitly mentioned, that if we fail, there is no one to blame but ourselves.
But we know full well that sometimes people fail becuase of bad luck and instead of reconizing this (and recognizing people's right to lead a decent life) we gleefully kick them off the ladder (after all this is one less person to directly compete with us). Even though we see bad luck in our own lives, we don't appreciate that although it is statistically unlikely, some people are bound to encounter biblically bad luck. If we flip a coin 10 times, the odds of it landing heads up every time is about 1/1000, and most of us have never seen this happen, but if we apply 1/1000 odds to a population of 400,000,000 that's 400,000 people who could expect to see 10 50:50 scenarios go bad all at the same time.
Consider the homeless, some of them are mentally ill and so unable to function in a consumerist, work driven and honestly heartless society. Formerly we had state asylums which, although often terrible places, at least put a roof over people's heads. Some homeless people are addicted to drugs of various kinds and this makes our overlords especially happy, because although drug addiction typically stems from lack of strong social bonds, community and self-worth (all things caused by our enforced individualism), drugs are a very convenient scape goat (owing to decades of government propaganda decrying addicts as subhuman). Increasingly though, the homeless are regular people who ran into a snag of bad luck (bankrupted by medical bills for instance, don't even get me started) and entered a feedback loop of decreasing employability, decreasing opportunities and decreasing societal visibility; a greased pole that gets wider as it goes down.
We are meant to be disdainful of these people, this is what our society demands. Thay are failures and they deserve what they get. And because they are no longer consumers, our leaders no longer care about them and frankly hope that they die quietly someplace out of the public eye.
I spent a lot of time talking with homeless people in the hospital and it took maybe three encounters before I was disgusted with myself for my prior conceptions, before I realized how thoroughly I had bought into the state propaganda. Any of us could become homeless through bad luck.
And once you are no longer working to boost stock prices for elites and consuming at a profit friendly clip, you are invisible, less than a person.
You become an inconvenience that the state would like nothing more than to hide someplace out of sight, lest we recognize the humanity of these people and start to question how the richest society in the history of the world can tolerate subjecting our fellows to unceasing and punitive misery.
So, consider volunteering in homeless aid groups, you'll be surprised and I wager, enlightened by the conversations you have.
https://www.propublica.org/article/albuquerque-homeless-encampments?src=longreads

I have been noticing that as I get older friends get busier and before I know it I only have a few people that I talk to. I am hoping to work on that and would like to find people to chat with online, since being very introverted makes in-person chats a challenge. A quick self-summary: 5'6", Caucasian Married with one kid Big on nerdy hobbies, including Magic the Gathering, video games, and the like. Live in FL but working on moving to PA as we hate the heat Work in tech and have a doctorate in business Try to stay active, go to the gym 2-3 times a week

Please don’t read this unless you have a few minutes to spare.
I have a lot of sexual energy and desire for women, but don’t want to be in a relationship again or go after girls. Is there something wrong with me? (Don’t worry this isn’t red pill nonsense) 👍
I (25M) am currently trying to succeed in life and find a way to build financial and location freedom. I had a freelancing income that went to shit because of the country I live in, and now I’m trying to sort out some sort of sales role and find my way in life. Now about my question. I have been in 1 real relationship in the past and done casual dating, but that was only between 2020-2022.
Before that, I had been so invested in trying to build my career that I purposely avoided dating because I knew I didn’t have anything substantial to bring to the table (and hated my looks at the time).
Alongside that, I’ve had many physical attributes that I hate about myself I.e acne, balding hair, being skinny, overall appearance I don’t like, etc. I have been actively working to fix all that, and I have a bunch of things checked off the list, but some of the stuff just takes time.
Without explaining a lot of backstory, I don’t have any real family in my life and had a mentally abusive childhood. I don’t classify my life as that, but the few people I’ve told bits of my childhood too, said it was toxic and mentally abusive.
I’m definitely not an ugly guy (I’d say visually maybe a 6), and I’ve had a 1.5 year relationship with a hot girl that was madly in love with me. I was the one to walk away from that, and since then have had a few casual girls but nothing serious.
For the last year and a half I’ve been trying to sort out my life (finances and level up my appearance) and have purposely eliminated all dating and chosen not to approach women whatsoever. I feel like my time is running out in my youth because so much of it has been spent trying to win at life and make money and even when I have succeeded, I’ve eventually lost the business or income stream I have and go back to square one.
To tie in with my question, I am very healthy as far as I know and have an average-high sex drive. So naturally yes I do desire to have an attractive girl around (or something casual) but for some reason, I don’t want to go find that girl for myself.
I always try and analyze anything that goes wrong in life, and the best I can come up with is how I’m still not happy with my appearance and obviously don’t want to be in a relationship after the last one I was in.
Sometimes, if I hear a friend talking about their relationship or something, it makes me think about the natural human desire for intimacy and all that, but I don’t know if I am coldhearted now or just genuinely don’t believe I can have the type of girl I want.
I have always been getting through life alone and moved around a lot for work, so I don’t have any real solid friends. I am just very purpose driven and want to be the best I possibly can be. My biggest fear is hating my reflection and knowing I can do better in any area of my life. Honestly don’t know sometimes if that’s a good thing or not unfortunately.
I also know that men bring a lot of value to the table through income and reliability, thus I’ve been working hard to create that lifestyle for myself and since I’m not there yet, I think that influences kind of the switch to wanting to go after girls, since I know I’m not in a stable financial spot.
Some days I feel great and positive, other days I want to done some 30 grams of caffeine and be done with it all.
I appreciate any and all feedback 🙏

Now for a little background my partners mother is incredibly toxic. Ignored her sons mental health, blamed others for his problems and multiple times tried to ruin her sons father's image to me when we started dating.
I'm a very open and out there person, and was taught by my family to express my feelings and not hide. So when I saw my partner hiding his feelings and hiding his issues I told him to stop. To start seeking help and confide in me. Which in turn then turned into him snapping and shouting his true fears and anger at his family when they bugged him.
They then blamed me for his mental health being in the ground and tried to make him leave me, but he chose to stay. Further down the line I had to save him from life attempts and more. This made them hate me more as I asked them many times to help him and said things like he was faking it to it wasn't my business.
Eventually things died down a little. They still told him to leave me but it never worked.
Then last year my mother passed away very abruptly, my partner is a first aider but also someone I need, so I called him to come support me. His mother then told him and his step dad I was FAKING until she was outside and saw ambulances.
This made it hard to see each other.
Things were still tense but died down, later in the year around September time, he moved in with me to escape his family and so we could see each other more and see his family whenever plans where made. Now my fiance is a very introverted person, and rarely makes plans and if he does he usually forgets or cancels. Which often ment he didn't see his family. (They also made no effort to see him) So since Nov ’23 up until yesterday they fought with him.
Telling people I was controlling him and never let him out. When I was actively trying to do the opposite even taking him to my own family outings to include him.
How the issue that's made me make this post.
On our 18th birthday in April we had a small fight as I'm very off with alcohol and don't really like it. He however likes to drink on occasion. We had plans but he went behind my back and planned a small get together when we got home from our plans with his family. Without me. I was upset but understood. I asked him not to drink much as I have a fear of vomiting and couldn't help him if he was drunk. He made a promise to me to be home by 10 and not be drunk. After ignoring me on both and coming home at midnight we fought but sorted the issue. However his mother hated I was messaging him for info. Called me a liar and controlling, saying he wasn't drinking and why does it matter where he is. I struggle with anxiety to an extent my partner made me get life360 so if I was worried I could check. And I had proof he was at a bar and he even showed me he was. Which I showed her and told her as his partner I'm not wrong to want to know he is ok. As I said we as a couple had already sorted the issue, she hadn't.
Over the past few days she's been telling him your coming home ECT ECT.
After the birthday issue I chose to go no contact with her, and if she's was adamant about speaking to me it would have to be in the presence of my father as she's made threats to hit and choke me. Well yesterday she called to say he's coming home now if buts or maybes and that she wanted to speak to me. As I said I didn't want to speak with her. So she threatened to come to our house. We told her no but she still came.
She shouted at my partner for nearly an hour to come down, to drag me to her to chat, even going as far to say I do bad things to him, speak for him and control him, threading to call the police and say I was no treating him right.
As 18 year olds home alone I was scared, I called my father for advice and was told "either you call the police or I will and I won't hold my tongue" (references the threats she's made to me) so I did, the police came and took a statement and left.
Now this morning his mother basically said you have chosen to cut me off. (My family have said it was just a blackmail message) Saying she won't be there and how there relationship is over.
He was upset but told me it wasn't my fault but he did wish I just spoke to her.
His best friend who also doesn't like me for the "controlling" reasons. Has now told his gf who was also my friend that I've ruined him ECT ECT and she's now dropped me.
I've tried for almost 5months to avoid fights and I still ruined his mother, best friend and my friend. By not speaking. It's highly likely any of the people from the story may find this.
Apologies for formatting and errors , on mobile and dyslexic. + Stressed fast typing.
TLDR: PARTNERS MOTHER HATED I HELPED HER SON AND HE DIDNT SEE HER SO SHE SCREAMED AT US AND THE POLICE WERE CALLED AND SHE DISOWNED MY PARTNER.

I love my new job however it requires weekly presenting and senior leadership will grill for accuracy. I’m mindful it’s nothing personal plus senior leadership is not “harsh” they are critical but very supportive and offer help. First of all I Hate asking for help. I know I need to be easy on myself but I get so worked up I will pinch myself while I’m presenting ( i work remotely so no one technically can see me they only see my screen) you would think this job is perfect because no one sees me but it still works me up. I’m very hard on myself 44 and really want to feel confident and comfortable communicating with others. I’ve always had kind of “behind the scenes “ jobs. Historically I just did the grunt work and my boss would be the one going to meeting talking to others and doing the presentations. Because of my extreme social anxiety I have past up job opportunities because honestly I hate dealing with people lol now I’m older and find that I was limiting my potential as well as income, so I pushed myself to say yes to this job knowing I would be working actively with others. Any help or suggestions and guidance I would greatly appreciate!! Btw BPD sux and I’m in active therapy 👍

I'm a 24-year-old guy from Rhode Island hoping to meet someone with whom I can share some fun memories with and get to know one another. Here's a bit about me:

• Interests: I love everything from outdoor activities like hiking and fishing to more laid-back pursuits such as gaming, smoking weed and watching movies.
  
• What I look like: I can send a picture if you ask but I’m 6’1, slim/average build and brown haifacial hair
  
• Work and Education: Currently, I'm working from home as a software engineer; but that gives me plenty of time during the day to sneak a message in or send a meme to you ;)
  
• Personality: Friends describe me as easygoing, thoughtful, and always ready to help out. I value honesty and communication and am looking for someone who shares those values.
  
• Looking For: I'd love to meet someone who is kind-hearted, curious about the world, and enjoys laughing both at life’s absurdities and the good jokes (or bad puns!). Let’s start with a chat and maybe a casual meet-up if we click!
  

If you think we might get along, send me a message! Tell me about your favorite movie, your dream vacation, or the best book you’ve recently read. Looking forward to hearing from you!

So I am 26 years old. I am from Melbourne Australia. I am single and I live with my mother, my step-dad, my brother and my sister in law who have just moved back in recently after having moved out of home 3 years ago, but have moved back in to save money to eventually move out into the country somewhere. They are not really city/suburb people. The prefer regional/rural areas.
Anyway, the problem in our family is my step dad. I would say for the last 5-6 years, he has withdrawn alot from us. He spends the majority of his time (when he is not at work) sitting outside smoking, drinking and watching YouTube videos on his phone. We barely see him except for weekends because he works the afternoon/evening shifts.
When we do see him on weekends, he barely ever wants to do anything with us. We are always inviting him out to do things with us, but the majority of the time, he says no and uses the excuse of staying home to look after the dogs to get out of it. The only thing that we really do anymore is watch our show together on Saturday nights (if we haven't got something on, which we often do), but even that he is starting to lose interest in.
He also get sick quite often. He has a really bad cough due to his heavy smoking. I have never smoked in my life. My mum, brother and sister in law have, but they have all given up regular cigarettes now and either vape or use marijuana. I would honestly prefer if they just ditched the vapes and just smoked the marijuana to be honest and I have never had a problem with people who smoke pot as long as you do it safely and don't drive on it. It smells way better than cigarettes or the horrible artificial smell of vapes. Anyway, that's not the point.
He (my step dad) has also claimed to be on a meat and dairy only diet for the past couple of years now, basically the complete opposite of a vegan, yet we constantly see him eating bread, chips and other regular foods that are not part of his carnivore diet. He also makes a massive mess in the kitchen every time he cooks his food and never cleans it up because he cooks and attempts to clean in the dark without the light on.
We all think (myself, mum, my brother and sister in law) all think he had some severe health problems like potentially lung cancer and maybe even early onset dementia, but her just will not go to the doctor.
My brother and sister in law even said that one of the main reasons they moved out in the first place 3 years ago was because of how uncomfortable they felt around him and now they are saying the exact same thing again. They said it again literally tonight.
He also does not have a very good relationship with either of his biological children (my step brother and step sister). He says that he wishes that he talked to and saw them more, yet he makes little to no effort to see them or spend time with them outside of special occasions like birthdays, despite the fact that his son lives 10 minutes around the corner. His daughter lives a few hours away, but you would think he would make the time to see her more often, especially since his daughter now has a daughter, making him a grandfather.
He also sleeps in a completely separate room to my mum too which I believe severely impacts their relationship. Couples who do not sleep in the same bed together (for the most part) I believe do not wore every well in general. Now to be fair, this is mainly due to the fact that he snores very loudly and has too wear a massive CPAP machine at night which would keep mum awake, so he eventually just moved into the spare room. That part of it I get, but it's still not ideal.
And the worst part is, all that is just scratching the surface. My mum is constantly ranting and complaining to me about how much she has had enough and is fed up with him just doing nothing and not wanting to be a part of the family any more and just retreating into himself and I completely agree with her as well.
My mum and step dad have been together for 20 years this year, but I know for a fact that she does not love him anymore and wants to break up with him and end the relationship. Not only has she flat out told me this in private, but she wouldn't even have to tell me for me to know.
The biggest problem however and the primary reason why she won't separate from his is money. They have a mortgage for the house in both their names, many contracts are in both their names as well for things that we have done to the house like adding the solar panels, the battery backup for the solar panels, the renovations etc. A few joint accounts too.
Mum has told me so many times that if she were to win the lottery, she would leave him in a heartbeat. The money side of things and so many things being in both their names makes the situation so much harder. Mum has also said that she could not afford to live in our house if they split up as just a one person salary would not cover everything. I currently do not have a job and am actively;y looking for a new one after leaving a toxic work environment recently, but I do my part by paying for the houses monthly internet bill which lowers the cost of my board and my brother and sister in law also chip in in their way, but I still don't know if that would be enough.
Now of course, I love my step dad. I really do. He has been my main father figure in my life for the past 20 years since my mum divorced my real dad in 1999 when I was 2 years old. I still see my real dad on a regular basis and we have a good relationship, but I obviously have not lived with him 24/7 like I have with my step dad for 20 years. It's just that unfortunately, he is just not working in our family anymore and something has to change.
I guess what I am asking for is some advice and some help. Is there a way that we can move on from him? Is there a way where we can get him out of our lives without our lives being shaken up in the process. We have lived in this house for 18 years and it is our home. The thought of moving somewhere else just because we wouldn't be able to afford it anymore is heartbreaking to me. I know I may eventually move out one day if I get a girlfriend or whatever, but more heartbreaking for my mum than anything else.
So my question to you all is, has anyone out there reading this experienced the same sort of thing I have just described to you and if so, how did you manage to get out of it (if you did) and get your family back again? Any sort of advice or information or whatever else you can give me would be so much appreciated.
Thank you for reading and listening.

Hello!
I go by the name Trill. I'm recruiting 4 players for a weekly campaign on Mondays. The campaign is set for an 8:00 pm CET/2:00 PM EST to run for 2.5-3.5 hours at the latest through Foundry and Discord. Times are firm so not much wiggle room to start later or earlier. Games will be recorded so a mic is required but no webcam.
About Me
I have been GMing for 11 years now. I have run a number of systems from the classics to 3.5 and PF1 as well as a lot of games outside of the D20 sphere. Admittedly this will be my first go at running AD&D 1e but I am prepared and looking forward to the new challenge.
About the Setting & Campaign
The campaign is set in the territory of Voghia on the Loch continent. Far from the sway of the High Chief in Vogh Moldir, you'll be in the wild and war torn region of the Durus Marches. The various Tors controlled by Chiefs all vying for influence in the region as brigands and warlord generals from the scattered kingdom to the south start to encroach on the land. Beyond these two factions there are plenty of other challenges as monstrous creatures from the mountains have been driven out into the plains below by something fearsome within the caves.
As for the campaign itself we will be running AD&D 1e RAW, no house rules or changes made. One of the major rules is how we'll deal with timekeeping however. The campaign will be set in 1:1 time, that means for every day that passes IRL a day will pass within the setting when no play is happening. 1:1 time activates this feeling of the world being "always on". Your characters continue to make progress in whatever you choose, the factions of the setting continue to function, events continue to happen etc. This is a far cry from the conventional play style of modern D&D but one that is incredibly rewarding. The campaign itself will function as a player sandbox, you players drive the story forward with your own motivations and desires. While campaign players will be playing at the micro level, patron players will be playing at the macro. Controlling factions and constantly generating rumors, events and interactions that bring the world alive.
About You
I am looking for consistent and reliable players to join. As this is open to players of all levels and experience, you'll need to be patient if the player is new and getting a feel for the world and game.
18+ only please. I tend to run very morally grey games and while not supremely graphic I do not believe my campaigns to be the best place for 13-17 year olds. I love that there's a new generation coming up that loves TTRPG and wish you all the best in finding the game that works for you.
You'll need a decent mic, nothing fancy just something that sounds clear. To reiterate as well these games ARE RECORDED so if you are uncomfortable with that it is best not to apply.
If any of this sounds exciting or something you'd be interested in please fill out the application and I look forward to seeing the replies!
Application Form Here
I'll be leaving applications open for a bit and will update the post when I've gotten the groups set. I'll be looking to try and reach out immediately but depending on the level of response it may take me a bit!

Hello!
I go by the name Trill. I'm recruiting 4 players for a weekly campaign on Mondays. The campaign is set for an 8:00 pm CET/2:00 PM EST to run for 2.5-3.5 hours at the latest through Foundry and Discord. Times are firm so not much wiggle room to start later or earlier. Games will be recorded so a mic is required but no webcam.
About Me
I have been GMing for 11 years now. I have run a number of systems from the classics to 3.5 and PF1 as well as a lot of games outside of the D20 sphere. Admittedly this will be my first go at running AD&D 1e but I am prepared and looking forward to the new challenge.
About the Setting & Campaign
The campaign is set in the territory of Voghia on the Loch continent. Far from the sway of the High Chief in Vogh Moldir, you'll be in the wild and war torn region of the Durus Marches. The various Tors controlled by Chiefs all vying for influence in the region as brigands and warlord generals from the scattered kingdom to the south start to encroach on the land. Beyond these two factions there are plenty of other challenges as monstrous creatures from the mountains have been driven out into the plains below by something fearsome within the caves.
As for the campaign itself we will be running AD&D 1e RAW, no house rules or changes made. One of the major rules is how we'll deal with timekeeping however. The campaign will be set in 1:1 time, that means for every day that passes IRL a day will pass within the setting when no play is happening. 1:1 time activates this feeling of the world being "always on". Your characters continue to make progress in whatever you choose, the factions of the setting continue to function, events continue to happen etc. This is a far cry from the conventional play style of modern D&D but one that is incredibly rewarding. The campaign itself will function as a player sandbox, you players drive the story forward with your own motivations and desires. While campaign players will be playing at the micro level, patron players will be playing at the macro. Controlling factions and constantly generating rumors, events and interactions that bring the world alive.
About You
I am looking for consistent and reliable players to join. As this is open to players of all levels and experience, you'll need to be patient if the player is new and getting a feel for the world and game.
18+ only please. I tend to run very morally grey games and while not supremely graphic I do not believe my campaigns to be the best place for 13-17 year olds. I love that there's a new generation coming up that loves TTRPG and wish you all the best in finding the game that works for you.
You'll need a decent mic, nothing fancy just something that sounds clear. To reiterate as well these games ARE RECORDED so if you are uncomfortable with that it is best not to apply.
If any of this sounds exciting or something you'd be interested in please fill out the application and I look forward to seeing the replies!
Application Form Here
I'll be leaving applications open for a bit and will update the post when I've gotten the groups set. I'll be looking to try and reach out immediately but depending on the level of response it may take me a bit!

I (33 M) work a desk job, and have until recently been "Sedentary" in my life sytle. I'm tall (6'3") so I hide it okay, but I knew that I was pretty far overweight (270 at peak) and I could never seem to find anything to motivate my weight loss. I didn't care about others opinions of my looks, and I frankly just couldn't seem to stay motivated even for my own health cause exercise to me was lousy. Put simply I didn't have a "why" for losing weight.
However I was a huge Roger Federer [Tennis Superstar] fan in college, and I used to play tennis really good when I was like 19. A friend of mine asked me to play tennis with him recently and after an hour on the court I was panting and sweating and yet feeling GREAT! It was exercise, but it was FUN! It was something I loved to do. I felt like I found a cheat code for improving my health.
I have been aware for a long time that the benefits of exercise are huge, and even if you never drop a pound of weight being more active will still benefit you, so I got a new tennis racket, bought some balls and started making hitting around a regular thing. I found the more I played the better I wanted to play so I started counting calories this past month so I could be lighter on my feet!
It worked! I found that it was easier to resist overeating when I thought about not wanting to be slow on the tennis court. Word got around among our friends and we have a group of 8-10 guys now that all play weekly. I can get in pick up games throughout the week, and I'm playing like 4-6 hours of tennis a week.
My TDEE according to the spreadsheet after 3 weeks of tracking is right around 4,000 (+/- 250)! FOUR THOUSAND CALORIES A DAY!!! This is the most athletic I have been since College (maybe ever!), and all cause of a game that I love playing!
Initially I was playing tennis to get in shape, now I'm getting in shape to play tennis. I reward myself for every 10 lbs lost with some new piece of tennis gear (A used go-pro to record games, new shorts, new shirt etc...) I'm down 20+ lbs from my biggest (270) and I'm looking at hitting the 240s by the end of the month!
I haven't seen 249 on the scale in a long time! And this is the most sustainable exercise I've ever felt. It feels much less hard when there is a game involved.
Can't say it will work for everybody, and maybe it doesn't work for you, but for me tennis has become my "why" the big motivator behind my weight loss.
TL;DR: I picked up tennis again after like 14 years and have found that I enjoy the sport so much that I now exercise daily, and play like 4-5 hours a week, I then started counting calories just so I could move faster on the court cause playing good Tennis has been a big motivator for me. Down 20-30 lbs so far, and dropping fast.

Here’s some context to what we’re doing: ForwardSync - an AI agent to receive your unwanted calls, engage with the caller like you would, take notes, and push it all to a mini-CRM like interface.I started off by sending a message / email to some founder friends and networks - within 12 hours, 200+ people joined the waitlist.
Is that really that simple? The entire process was something like -

1. Find 5 execs who faced the problem first-hand (easy if you're already networked with some or you can find them on LinkedIn)
   
2. Send those 5 folks messages / emails with a clear proposition (email below)
   We are building Forward Sync (https://forwardsync.xyz) to reduce the cold call burden from execs like yourself.
   It is an AI agent that assigns you a virtual phone number which can be automagically configured to forward cold calls (manually as well if you prefer).
   The agent answers the call, takes in the information, prepares a small memo, and updates it on the dashboard (and Slack if you use it).
   This is to ensure that everyone involved in cold calling gets a tangible result.
   Please use the link to join the waitlist if you're interested (and if not, could you please share your feedback?)
   
3. Once those folks sign up to the waitlist, ask for referrals.
   
4. Repeated 4 times and then the referral loop started working out.
   

I am hoping to close 1000 people on the waitlist by this week and roll out beta!
—-------------------------------------------------------------------
Here’s some more context if you were interested in what we are solving…
A problem I faced consistently was answering unknown numbers (cold calls).
Being a founder, I know how important it is to cold call and close deals. But at the end of the day, a cold call is a disruption.
I started experiencing this as a huge disruption after my first VC fundraiser a few years ago. Almost 20+ calls in a day to a pre-seed founder. Then the calls kept on increasing.
Each call means I have to shift my focus to the phone, make a decision on whether to answer or not, and get back to my "zone".
It's a problem a lot of professionals face. SDRs are simply doing their job but it's disrupting my time.
So I built an automated AI Agent that answers the cold call for you and gives you the TLDR on everything you need to know and lets you decide whether you would like to follow up or not.
If you'd like to join the waitlist, here's the link: ForwardSync.xyz

I had been in therapy for three years as a teenager, and recently started again as an adult. Here are some of the experiences that I’ve had with my “therapists”:

1. Psychiatrist told me that physical abuse in childhood doesn’t cause issues, and that I will grow up to do worse to my kids. I was twelve.
   
2. At least two psychiatrists who gave me meds for the sake of profit
   
3. Asking me leading questions, one psychiatrist tried to get me to admit to having hallucinations when I didn’t have any
   
4. Psychiatrist dismissed my complaints about side effects from a medicine that wasn’t helping me
   
5. A psychiatrist who snuck up on me and flicked my ear as a “joke”, keep in mind that I live in a conservative culture where this might be considered sexual harassment. I was well into puberty too, and I had a traumatic history with sexual harassment
   
6. A psychiatrist told me “you’re the problem” without hearing the full context, but even if I was the problem, that’s no way to speak to a client
   
7. I was placed in a room of about five or six different doctors surrounding me, and expected to talk about myself openly. The tone of the psychiatrist was cold, and it almost felt like he was trying to rush through getting to know me. He didn’t seem to understand or acknowledge that talking about child abuse and neglect in front of this many strangers was very difficult
   
8. I got myself admitted into a facility because I felt like I was gonna kill my “parents” for being too controlling. After I got out, my psychiatrist encouraged my parents to be even more controlling by limiting my screen time (I’m TWENTY ONE)
   
9. A DBT specialist who would keep looking at the time during our sessions
   
10. Not a single therapist spotted signs that I was being neglected at home, and I, being a child, didn’t realize it
    
11. More recently, a psychotherapist “jokingly” threatened me with a cane. It seemed like a joke, but one that made me very uncomfortable. Judging by the children’s drawings on his walls, it’s likely that he did this to children as well. Why does he even have a cane in his office at all?
    
12. That same psychotherapist from before took a puff of his vape at the start of the session
    
13. Not my therapist exactly, but a counselor who volunteered as a “listener” during his free time. My very first post was about him, that one was by far my worst experience
    

I don’t even know if I can report any of them, because everyone in the system seems to behave the same way. I feel like I have to fortify myself and fight my way through the system just to get the help that I need. This bullshit is exactly why I wanted a private therapist, but my “parents” can’t afford it, and they won’t let me work whatever job I can find to pay for it myself (I’m a woman in the middle east, I can’t do anything major against my “parents” or I would be putting myself at risk). Not only did my “parents” ruin me in childhood, they are also actively preventing me from getting the help that I need in adulthood. I feel mad at everyone
Is there anyone here who has actually found a therapist that knows how to stick to the most basic of ethics? How do I find a good therapist? Where the fuck are all those good therapists that so many of you keep gushing about?

Nonchalant AP
First, I just want to say how incredibly helpful & supportive I have found this space to be. It has been so meaningful to feel not alone in this.
D Day for us was about 4 days ago. My WH had an affair with a coworker for about 8 weeks. They had sex twice but were spending many evenings after work together doing everything but. She knew he was married, and she has a partner & kid. She was actively egging him on to leave me throughout the entire affair.
Not going to get into all the other horrid details of the affair rn (still acutely processing it) but my WH did call the AP the day after D Day to formally cut it off, and I was present in the room (per my request).
He had her on speaker for full transparency and honestly, we were both a bit taken a back by how casual and nonchalant she was on the phone. From my perspective, after having my entire life as I knew it ripped to shreds, I was shocked that she talked as if he was calling to let her know the sandwich she wanted from the deli wasn’t available.
From his report and the texts, there was an EA — sweet messages, doting on each other, feeling like she ‘gets’ him, etc. The night of the discovery, I sent her a message myself from his phone and her response to me was 1. trying to cover for him and 2. a whole paragraph on what a wonderful man he was.
Some highlights of this 3 minutes convo were: “Oh yeah, 100%” [when he made a comment about their actions being completely disrespectful to both myself and the OBS] “Well, I guess say sorry to your wife for me” “Yep, sounds good!” [when told that he would be blocking her number and having no personal conversations with her moving forword]
My WH has seemed a bit put out by her lack of reaction. He explained it later that it’s hard to swallow that he really did blow up our life over someone who couldn’t care less. Obviously, I’ve considered a million different reasons — she could have known I was present, she could just be defensive and not want to show her emotion, etc. It also makes me worry for when they do inevitably have to cross paths during the period of time before he can transition to an alternative work situation.
Just wanted to share & hear thoughts. How did you handle worries around the idea your partner is grieving the loss of the AP? Or handling the idea that the AP really doesn’t feel badly about their part in it?

Here’s some context to what we’re doing: ForwardSync - an AI agent to receive your unwanted calls, engage with the caller like you would, take notes, and push it all to a mini-CRM like interface.I started off by sending a message / email to some founder friends and networks - within 12 hours, 200+ people joined the waitlist.
Is that really that simple? The entire process was something like -

1. Find 5 execs who faced the problem first-hand (easy if you're already networked with some or you can find them on LinkedIn)
   
2. Send those 5 folks messages / emails with a clear proposition (email below)
   We are building Forward Sync (https://forwardsync.xyz) to reduce the cold call burden from execs like yourself.
   It is an AI agent that assigns you a virtual phone number which can be automagically configured to forward cold calls (manually as well if you prefer).
   The agent answers the call, takes in the information, prepares a small memo, and updates it on the dashboard (and Slack if you use it).
   This is to ensure that everyone involved in cold calling gets a tangible result.
   Please use the link to join the waitlist if you're interested (and if not, could you please share your feedback?)
   
3. Once those folks sign up to the waitlist, ask for referrals.
   
4. Repeated 4 times and then the referral loop started working out.
   

I am hoping to close 1000 people on the waitlist by this week and roll out beta!
—-------------------------------------------------------------------
Here’s some more context if you were interested in what we are solving…
A problem I faced consistently was answering unknown numbers (cold calls).
Being a founder, I know how important it is to cold call and close deals. But at the end of the day, a cold call is a disruption.
I started experiencing this as a huge disruption after my first VC fundraiser a few years ago. Almost 20+ calls in a day to a pre-seed founder. Then the calls kept on increasing.
Each call means I have to shift my focus to the phone, make a decision on whether to answer or not, and get back to my "zone".
It's a problem a lot of professionals face. SDRs are simply doing their job but it's disrupting my time.
So I built an automated AI Agent that answers the cold call for you and gives you the TLDR on everything you need to know and lets you decide whether you would like to follow up or not.
If you'd like to join the waitlist, here's the link: ForwardSync.xyz

I’m not really sure what I’m looking for outside of someone else out there being able to relate.
TLDR: wife struggling w/ severe anxiety/depression since moving 1.5 hr away from her family. We don’t have support we did/we thought we’d have after move. My family isn’t nearby. Every aspect of life seems to be a struggle (marriage, family, health, work etc.) Not sure how to make it better.
My wife and I have a very happy and healthy 8 m/o girl. She’s our first. We’re very lucky all things considered - growing well, sleeping well enough, hitting milestones, etc. Every month makes me more and more excited to be a Dad. I work and my wife is SAHM.
When we had her we lived minutes away from 99% of Mom’s family. I had 8 weeks of paternity leave. So we had a great first few months. Then a promotion led us to a town 1.5 hours away that had some family/friends but not the same as before.
We knew the move would impact our support but did not realize by how much, or how challenging the change would be. Ultimately we unintentionally have put ourselves on an island, and feel like we’re drowning. My wife has started to experience pretty severe anxiety/depression since the move and has traced it back to losing the support we had. She just started therapy and is taking steps to work on it, but has to essentially beg her family to come down more than once or twice a month. I feel like I’m at a loss for how to effectively support her or help improve the situation. For the past month, every week there’s a day or two that she needs me to come home early or take off because she doesn’t feel like she’s mentally capable of taking care of baby. Obviously I will always do it but am trying to figure out how to help get to a place where she’s not struggling like this.
My job is somewhat demanding with slightly inconsistent hours, but nothing astronomical (40-58 hours a week, depending). Part of my stress is related to my performance at work suffering due to all of this but that’s at the bottom of the list.
My family is spread across the country. My mother passed away before we got married and my Father is degrading from dementia. So overall my family is relatively unhelpful as far as support goes.
Typically when I get home from work (varies but between 2pm-7pm), I take over baby duties and let mom do whatever she needs to. After baby goes down I’ll make dinner and try to knock out any outstanding chores. I do most of the night wakes which is now only once or twice at most and then leave for work around 6:30am-7am. I feel like I’m barely scraping by as far as being a good husband father and provider. I don’t feel like I have the capacity to give me full effort to the things I want to give my full effort to.
We’re also moving next week to a new home which is adding a whole other layer of stress.
I think part of my challenge is that all my friends who have kids are in the same town as their family or have very active support from their family. So no one in my immediate circle can relate which is even more isolating. So I’m hoping internet strangers can relate.

Hey everyone,
I've been seeing a lot of posts here from people feeling discouraged about breaking into IT. I wanted to share my experience and hopefully offer some encouragement – it took me two years to land my first IT role, but it was absolutely worth the wait!
I live in a smaller city, so opportunities aren't always abundant. I wasn't actively applying everywhere, but when I saw something that looked interesting, I'd put a lot of effort into my application (CV, cover letter, personal statement, the whole shebang). In total, I probably applied to 20-30 roles and got interviews for only three of them. It was disheartening at times, especially seeing all those job postings asking for 2+ years of experience for supposedly "entry-level" roles.
But then, a few months ago, I landed an apprenticeship with a major university. The best part? They didn't expect me to have any prior experience! I primarily work the service desk, but I also get to shadow other teams and learn so much more about different IT career paths. I've always had a knack for IT, with some school qualifications and a passion for tinkering at home, but this apprenticeship is giving me real-world experience and opening doors I never thought possible.
I know apprenticeships aren't always the first thing that comes to mind when job hunting, but I strongly encourage anyone looking to break into IT to consider them. Here's why:

• Real-world experience: You'll be working on real projects and learning from experienced professionals.
• Structured learning: Most apprenticeships offer a mix of on-the-job training and formal education.
• Career progression: Many companies hire their apprentices full-time after the program ends.
• Networking opportunities: You'll be building relationships with people in the industry.
• No experience required: Many apprenticeships are designed for people with little to no prior IT experience.

I'm just a few months in, but I can already see a clear path for my future in IT. If you're struggling to find your way in, don't give up! Keep learning, keep applying, and consider looking into apprenticeships in your area. They might just be the perfect way to get your foot in the door without needing years of experience.

Hello,
I am currently doing an internship at an international kindergarten in Japan with a Cultural Activities visa in order to graduate next month from my French university. My major is English language and international relations. I have also approximately N2 level, a 980 TOEIC score, and even some programming skills, not that it's useful in this case.
My internship ends next month and my visa is valid up until September, and I'd like to work in Japan after it. Now I am aware that I will need to find a job with a relation with my major in order to get a work visa.
Apart from eikaiwa, cram schools and ALT, what job do you know that I could possibly link with my major? I am having a hard time finding something not education-related.
Every hotel so far has also rejected me, probably because I don't have a visa allowing me to work and they don't feel like filling in the paperwork to change my status of residence.
Thanks!

For various reasons, I believe my supervisor is out to get me fired. Recently, I think they fucked up. They’re panicking trying to cover their tracks. What they don’t realize is that all their activity is logged on the servers. So simply deleting or permanently deleting something is not removing the trace.
I obviously can’t call in on the work laptop as they’ll be listening and seeing if I know. This is a large healthcare organization.
I’ve already escalated a different situation with this coworker. Things started to get better…until…
Recently, I saw a bunch of my received and sent emails were permanently deleted. I don’t permanently items.
One of these items were what I was being scored on negatively in my performance review.
Can I call my IT dept to check specific dates and times? If I put a meeting on the calendar with our director, my nosey supervisor will show up on-site that. I am assuming my emails are being read and my chat.
I also want to make sure I have proof before I go to the director as the director has more or less sided with the senior toxic member.

i was born and raised in central florida/orlando area and i'm ready to leave. i lived in el paso texas for 6 months when i was 15 and i LOVED it. i loved the sense of community and smaller city vibe. the condensed city compared to the horrific sprawl of orlando was so refreshing. i also moved to gainesville for 2 years for college and loved the same thing. the sense of community, the public transportation, and the smaller city vibe. i've been back in the orlando area for 2 years now and im losing my mind here.
the traffic is INSANE. it takes me an hour just to get to the other side of town. there is no real dense city center almost anywhere besides orlando and they won't stop building subdivisions. my once rural city has become a breeding ground for dollar generals and car washes. its such a bland life here, i need to be in a new community. everyone is always angry here- im tired of the hostility. i dont feel like anyone in orlando actually "likes" orlando- they were just born here and have never left. the only people that like orlando are the people who are there for the theme parks and i couldn't care less about them.
i'm 22 and most concerned with growth opportunities. i was in grad school to be a mental health counselor but didn't feel ready to have clients so i'm currently a high school substitute teacher which i love but it's only a temporary job. i know i love politics and social services but i dont know much else.
obviously affordability is a concern but i currently spend 60% of my income on rent and make things work so im okay moving somewhere with the same ratio as long as im happier in the area.
i want to move somewhere where the people feel a connection to their city and are proud of it. i want to live someplace with a bunch of community groups/activities. i don't have much to compare to but my grandma lives in seattle and tells me all about all the gatherings and events they have all across the city on almost any given day.
i dont want to move too far away from florida so im mostly considering the upper east coast with the exception of iowa lol
the places i've considered are: - des moines, iowa (SUPER affordable, smaller community vibe, but i dont think there's much room for growth or community building) - maryland - idk where, i just know i appreciate the diversity of large city (DC) and countryside (cumberland) - pennsylvania - all i know is the cost of living is better in comparison to most upper east coast states - virginia- it's pretty there? - chicago- ive heard it's walkable but idk anything else LOL
i really don't know much of anything about these places im considering moving. i was planning on moving next year but my landlord is moving back and has given me 3 months to move. i KNOW i dont want to stay in florida so im taking this as my opportunity to leap and jump into the unknown but with so little time and such little money i cant afford to travel to all of these places and rule them out myself.
please help me with any and all info you can 🥺