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I am 53 years old, have a combined $210,000 annual income, live on Long Island, NY, and work as a Project Coordinator

First, I'm sorry this is so long. Second - please be nice. We have debt, bad habits, and are Catholic. So if any of those things are going to get you spun up, just skip this one.
Section One: Assets and Debt Use this section to explain your current financial picture at large.
Everything here is joint – “M” and I have been married 22 years and we’ve had “smashed money” that whole time (and really for about a year before that).
Retirement Balance (and how you got there): Approximately $500,000 in a variety of IRAs and current 401(k)s.
Equity if you're a homeowner (and how much you put down and how you accumulated that payment). Bought our house in 2001 for $239,000 with 20% down (some aggressive saving and a gift from each of our parents). We refinanced, took some cash out for some home repairs, and reduced it to a 15-year loan in 2009 – our current equity would be about $195,000, but similar homes in the neighborhood are listed at $475,000-$525,000, so if we ever sell, we’re probably coming out ahead.
Savings account balance: $6,000
Checking account balance: $6,500
Credit card debt (and how you accumulated it): I hope you’re sitting down. Approximately $40,000. Yes, you read that right. How we accumulated it? The house is 90 years old and constantly falling apart, so we’ve had to charge things that needed to be done (some we wanted to have done, but some – like the time our oil burner stopped working in December – were needs). We had two dogs with numerous medical issues – I don’t want to calculate what they cost me, but they each had surgeries that were about $5,000 (each), plus other chronic and acute medical issues. And yes…for a while, we were doing and buying things we probably shouldn’t have (not bad things, just vacations, clothes, and non-essential home improvements) So…when I’m 100 and greeting people at Wal-Mart, I’ll at least have some good memories. That said, I can’t tell you the last time I used credit – if we can’t afford to pay cash, we don’t do it (and I say that fully realizing most people would feel that I shouldn’t do anything).
Student loan debt (for what degree): None – my husband went to the military and then to work after high school and I went back to community college later in life and paid as I went.
Anything else that's applicable to you: If my ex-husband dies before me, I’ll have about $6,000 in a money market that he must have forgotten about. When we divorced, he was supposed to liquidate all those accounts and give me half. He was an accountant and a SOB, so I never knew exactly what we had, but what I got seemed accurate (it paid for furniture, my wedding to M and part of this house, so I was OK with it). Lo and behold, a couple years ago, I found out we still have this money market account in both names. I tried to find him so we could liquidate/split it, but he’s missing. I get the statements here now, and the good part is he’s older than me, so I’m holding out hope he predeceases me and it will be mine.
Section Two: Income
Income Progression: I've been working in my field for a year and a half, my starting salary was $100,000. I did a salary story with the entire progression – long story short, I’ve made more, and I’ve made less, but this is probably about the average of the last five years.
My husband has been at his job for 14 years – he started there making around $75,000 and now makes $110,000. They usually give him a $10,000 bonus at the end of the year, but are always crying poverty if people ask for a raise. Prior to that, he worked for a company that paid very well and he had a 15-minute commute, but he got out one step ahead of their bankruptcy.
Main Job Monthly Take Home:
Me: $5,152
J: $6,230
Side Gig Monthly Take Home:
M is paid $1,300/month by our parish for serving as Youth Minister.
Any Other Monthly Income: $16.00
I get quarterly dividends on stock I was given when I was born (I may not have been born into money, but apparently my grandparents had friends who thought this was a good baby gift). The last few were around $50, so I divided by 3.
Section Three: Expenses
Rent / Mortgage / HOA fees (please specify how you split it if living with a partner): $3,043, which includes the property taxes and homeowner's insurance
Savings contribution: $500/month without fail (my bank transfers $100 if we get over $500 in, so once each paycheck and once when we put the church check in). More if I feel the savings needs a boost.
Debt payments:
Donations: OK – anyone who isn’t screaming because I owe $40K is going to start now.
Electric: $110
Gas (stove/hot water): $50
Oil: $250/month in the winter
Wifi/Cable: $179
Cellphone: $252 for both of us (I get mine expensed except $26 for my phone payment)
Subscriptions:
Car payment / insurance: $295/month for my car (leased). My husband is driving a 10-year old car that is paid off. $128/month for auto insurance
Lawn care: $50/month
Commuting: Now that we’re in COVID times, I’ve been buying a 10-trip off peak railroad ticket every five days for $78.75. Pre-COVID, M and I each bought a monthly ticket for $270, and I took the subway most days for an additional $100/month. I fill up the car about once a month (~$36) and M fills his about every other week (~$70/month)
Saturday, September 26, 2020
7:45 am: Up and at ‘em! I get up, get coffee, check emails and social media and start the day.
8:00 am: M leaves the house for a long list of errands, the payment for which will be shown below. I put in a load of laundry and discover…a leak! There is a large pipe between our powder room sink (which I used when I woke up) and the outside world that runs through the basement and is apparently leaking. Yay whee. If you get one thing from this diary, let it be these words of wisdom – don’t buy an old house! No beautiful feature is worth the aggravation! I get the water (I hope it’s water) cleaned up, a load of laundry in, take a shower, do some picking up around the house, get dressed in a Rangers t-shirt and cut off distressed jeans, do my makeup (Olay microsculpting serum and Miracle Blur over the bottom of my face, pink, gray, and violet eyeshadows, a swipe of foundation under my eyes, black eyeliner, black mascara, and dark brown eye pencil. This is standard everyday makeup for me and will be repeated each day. I put volumizing mousse in my hair and blow dry it (also routine).
In the meantime, M gets a haircut ($30 including tip), sets up the video equipment at church, goes to CVS for passport photos that he needs for an application ($18.87), and goes to the religious goods store for a book of the Liturgy of the Hours ($42.31). He is starting formation for the diaconate (the process of becoming a Deacon in the Catholic Church) today, and they said he’ll need that book. He also needs the photos for his application, and he stops at the bank for two money orders – one to send with the background check request and one for his high school transcript ($26). On the way home, he picks up breakfast (brunch?) for us – classic New York BEC, SPK (bacon, egg, and cheese on a roll with salt, pepper and ketchup) for him and egg whites, turkey and swiss cheese on a whole wheat wrap for me ($10.78), as well as cigs for him and vape cartridges for me ($36).
The washing machine isn’t causing any additional leakage, so I move the wash to the dryer and start moving the winter clothes from the portable closet in front of the leaking pipe upstairs (they’re not wet, but we’re going to have to move the closet when the plumber comes).
After eating the egg sandwiches, we get changed for deacon class – I look like a good church lady in black slacks, a black and white flowered shirt with a black tank underneath, and black sandals with a chunky 2.5” heel. M goes with the classic golf shirt and dockers. While we’re getting changed, he mentions he needs new underwear, so I whip out the phone and order him some ($18.64).
6:30 pm: Home from deacon class and Mass and the groceries show up! I ordered them yesterday, but I don’t think the charge went through till today, so here goes. Asparagus, broccoli, celery, bananas, cucumber, lime, grape tomatoes, peaches, carrots, potatoes, spinach, lettuce, zucchini, frozen burgers, ground turkey, chicken breasts, whole chicken, fried chicken and a pot pie for J’s lunches, yogurt, sugar free pumpkin spice creamer (YES! I’ve been looking for it for weeks!), milk, heavy cream, OJ, k-cups, frozen green beans, cauliflower rice, stuffing mix, microwave rice, cake mix (the good ones were on sale), chicken broth, potato chips, and trash bags. Spent $154.95 including delivery, saved $14.50 (very low for me), tipped the delivery guy $10.
7:00 pm: After putting away all that food, what do we do? If you guessed order dinner, you’d be right! I don’t cook on Saturday unless we’re having company. We order from a new taco place – three each and “Mexican wings”. The wings were meh, but the tacos ranged from good to outstanding. $53.78 including tip. After dinner, M starts post-production of the Mass video and I do some laundry, watch the NASCAR race and the hockey game, and play games on my iPad. Remember, you’ll be old someday too!
11:00 pm: I go to the basement to pick up laundry and remember I wanted to order a new garden flag (this isn’t as random as it sounds – all my seasonal decorations are stored in the basement). I have had a cart set up for days with two garden flags ($6.99 each) and four magnetic mailbox covers for my parents for Christmas ($11.99 each) – they’ve talked about having a different one for each season, and I saw them when I was looking for a garden flag. Total with tax and free shipping: $61.94. I love Christmas and generally spend way too much on gifts so I’m trying to start shopping before December and at least spread out the pain. We went to a crafts fair a few weeks ago and I picked up a few things and now I’ve got this done – go me!!
12:30 pm: The hockey game is over (2 OT!) and I go to bed. M is napping waiting for his video production to finish.
Daily Total: $463.27
Sunday, September 27
7:00 am: The alarm goes off – ugh. It’s the first day of Religious Ed (virtual, but I have to do a 9:45 zoom with my 4th graders). Coffee, social media, shower, dress, makeup. Put on a black eyelet dress because we’re going back to church today so M can videotape First Communion. Do the usual makeup/hair thing.
10:30 am: My 4th graders are great and we’re ready to roll (M has on a shirt and tie in honor of the First Communion), and we’re off to Mass. Drop off the food I bought for our food pantry last week and help him video. Of course, the kids are adorable!
12:00 noon: We’re starving after church, so we stop at our favorite local pizza place on the way home. Get a variety of slices for $22.62, including a tip (we’re getting it to go, but I’m tipping everywhere, because I know restaurants have been hurt badly by the pandemic. These folks are in NYC and still haven’t opened inside dining.)
1:30 pm: Ate, ran more laundry, changed into the jeans I wore yesterday and a Yankees t-shirt and call the nail place. Of all my expenses, nails are probably the most non-negotiable – I’ve been getting my nails done for 40 years, and when I couldn’t do so during the lockdown, I was miserable. They can take me right away, which makes me happy.
3:00 pm: All 20 nails done – gel on the fingers and a regular pedicure with callus removal ($75 plus $15 tip = $90). I went with an autumn theme and got copper on the fingers and bronze toes – the nail polish looked in the jar like it would match the toes, but it doesn’t. Stop at CVS for eye cream (Olay for tired eyes) and mascara (L’Oreal Voluminous) - $27 with coupons. M asked me to pick up cigs on the way home, so I do, as well as vape cartridges, which I don’t technically need yet, but it will save a trip later in the week ($36).
3:30 pm: While at the nail place, I saw that one of our favorite local restaurants had a fire, which consumed an entire block of restaurants and small businesses. The Chamber of Commerce is doing a GoFundMe, and I donate $25 to the cause - $28.75 including the charge. I also notice that the weekly charge for my church donation went through ($75).
11:30 pm: Took a quick nap (the highlight of my week every week), put some fall decorations out, had our family Zoom call, laundry, got the end of the winter clothes moved upstairs, had dinner (roast chicken, stuffing, mashed potatoes, and roasted asparagus), made an apple crisp (I’m not a huge dessert person but M is and I like making desserts, so it works), watched baseball, football, the NASCAR race, and basketball, and took a quick shower. Bring a Light & Fit Toasted Coconut Vanilla yogurt (the best!) to bed, finish my book (“Next Stop, Chancey”) and find the next in the series on my iPad – I’ve read them all before, but I’m in the mood for something cozy, especially after reading about the Current Occupant’s taxes – ugh!) , and turn off the lights around midnight.
Daily Total: $279.37
Monday, September 28
6:45 am: I work from home M/W/F and so I can sleep in. Relatively speaking, anyway. Get dressed in a sleeveless top and shorts (despite the fall decorations, fall nails, and roast chicken/apple crisp, it feels rather summery out there), do makeup, have some coffee and scroll through emails/socials, move yet another load of laundry (I’m trying to get it all done before the plumber comes), find the number for the plumber and give it to M to call, get the trash out, and boil some eggs for breakfast this week. I’m sitting in front of the computer by 8:15, which is ok (technically, my hours are 8:30-5:30 – it’s usually more like 8:30-6:00, and on WFH days, starting at 7:30 is not unheard of). M drops off the car at the shop – I think I forgot to mention this, but he mentioned yesterday that when he was driving around Saturday, there was a grinding noise when he backed up. More joy to come, I’m sure.
9:45 am: I hear M on the phone with the garage – apparently, they can get a used part and do the job for $450. Not great, but it’s better than it might have been! He works from home basically every day except when he has to see customers, but thankfully we’re separated enough that we can hear each other but it’s not intrusive.
10:30 am: Between cursing at people on the phone, M calls the plumber and I grab some cheese and more coffee! I’d tell you about my job, but honestly, it’s not worth talking about. Basically, I go to meetings, take notes on meetings, and send follow-ups (I do other things, but that’s most of it). When I get off my 11:00 am meeting, I’ll find out when the plumber is coming. You guys are getting a much more exciting week than I expected!
12:30 pm: What a miserable day – it seems like everyone is annoyed! Take a break to eat a slice of leftover pizza and a Diet Coke (M finishes some rotisserie chicken from last week). He says the plumber may come today to look at the situation but can’t do the work till tomorrow.
6:00 pm: Keep my head down and get some work done in the afternoon and knock off for the day. Run downstairs and make dinner – “tacos” with strips of beef grilled with Korean barbecue sauce, shredded cabbage, cheddar cheese, pineapple salsa, cucumber slices, and lime inside warmed tortillas. Delicious, if I say so myself!
7:30 pm: I get on a Zoom faith sharing meeting and M gets on a Zoom religious ed class.
11:59 pm: Contemplated Sunday’s Gospel with my small group, watched Tampa Bay win the Stanley Cup, took a shower and set clothes out for tomorrow, and off to bed. M picked up the car after Religious Ed.
Daily Total: $450.00
Tuesday, September 29
5:45 am: Ugh. Up and out – I’m wearing a green dress with a black jacket and have black slingbacks in my bag. I have to walk 30 short blocks and five long blocks once I get off the train, so I’m traveling light. I used to take the subway to my office, but since COVID, I try to limit that as much as possible.
7:45 am: Off the railroad and walk uptown. I actually don’t mind the walk, because when I WFH, I walk very little – at the beginning of the lockdown, I had a nice walking routine, but lately the work seems to start the minute I wake up, so walking to work takes care of getting in those STEPS! I forgot my boiled eggs and I’m starving, so I end up buying an egg sandwich. $5.43
12:30 pm: Because I only go to the city twice a week and I have to walk uptown with all my work stuff, I don’t bring lunch often (pre-pandemic, I used to bring breakfast and lunch every day, but I also took the subway). Decide to run to Pret and my boss and co-worker both ask me to pick something up. Of course, no one (including me) has anything but a $20, so they both say they’ll get me next time. I get my favorite chicken parm wrap and a Diet Coke. $32
12:45 pm: I look at my personal email and discover that J’s car registration needs to be renewed. Hop on the DMV website and take care of that. $158.50. I also realize I never took out the sausages for tonight’s dinner and call M to ask him to do so. He mentions the plumber has still not shown up.
5:45 pm: Leave a little early to get to the Fed Ex office and make my train home. I’m a little later than I’d like to be and it’s raining, so I get the subway, which is thankfully empty, reasonably clean, and quick. $2.75
7:15 pm: M picks me up at the train station and mentions that he was so busy working that he didn’t take the sausages out. He asks me what I want to eat and we end up at Wendy’s. Cheeseburger, fries, and (surprise, surprise) a Diet Coke. He gets the same thing, but bigger. $19.75
11:30 pm: Avoid the debate by watching the Yankees pound the Indians. Usual routine (plus ironing a shirt for J, because he has to go to a customer tomorrow) and off to sleep. I’m up to Book 3 in the Chancey series, for those keeping score.
Daily Total: $218.43
Wednesday, September 29
5:30 am: Double ugh. Woke up to use the bathroom and couldn’t get back to sleep, so here we are. Get dressed (long-sleeved Yankees t-shirt, straight leg jeans), do the face, have some coffee, and try to avoid the fact that my boss sent me an email at 11:00 pm last night looking for changes to a document, which I said I would do today. Get the trash out, pick up a little around the house, and get to work by 7:00. OH, and despite the lack of plumber and his lack of general motivation, M moved the plastic closet…in front of the washing machine! Glad I bought him underwear, because I won’t be doing laundry any time soon. Now I’m wondering if he looked at the menu (I am an obsessive meal planner and post it on the fridge weekly) and that’s why he didn’t take the sausages out – he’s avoiding zoodles! He can run but he can’t hide – I have zucchini and I’m going to spiralize it sooner or later!
8:00 am: The document my boss needed is out, the agenda for our 9:00 am meeting is done, the morning emails are sorted (for now), and I got a link to our parish survey up on the Facebook page, so I make an egg and cheese on a tortilla and eat at my desk.
12:50 pm: Wednesday is conference call hell – I have recurring calls every Wednesday at 9:00, 10:30, and 11:30, and the added fun today of a 10:00. There’s also a webinar every Wednesday that I try to tune into. Grab some chips and a Diet Coke and go check it out.
2:15 pm: Still no damn plumber, but I’ll let M worry about that when he’s home tomorrow. My garden flags arrived, so that’s good. Hoping to get out and put the pumpkin one out before it gets dark, but the way today is going, that might not actually happen. However, I realize I never put dinner in the crockpot. Luckily, it only takes 3-4 hours on high, so I take care of that. It’s Tuscan Chicken with sun-dried tomatoes and spinach. By 2:30, I’m back at my desk with another Diet Coke and hard at it. Nightmares of rescheduling meetings, missing documents, etc.
6:45 pm: Still at my desk! OK, I took some time to send an email to the parish webmaster about the survey, update this, and read the R29 money diary of the day. But overall, I’ve been working with no apparent end in sight – I could easily be here all night, but I won’t be because (a) I’m falling asleep at my desk and (b) I have a 7:30 Religious Ed teachers meeting. Hopefully I won’t fall asleep during that. Make a list of things for my boss and I to review tomorrow and finish prepping dinner.
7:15 pm: Dinner was delicious – we had the chicken with rice for M and cauliflower rice for me, sautéed broccoli, and a basic salad (bagged spring mix, cherry tomatoes, cucumber). Now off to Zoom!
11:45 pm: The Yankees game is still on, but I’m showered, my clothes are set out for tomorrow, and I’m fading. Turn off the light and hope for a win.
Daily Total: $0.00 (bet you didn’t see that coming!)
Thursday, October 1
5:45 am: You know it…ugh. Get up, coffee, very quick scroll through the Yankees score/e-mail/social media. Get dressed in a black v-neck sweater, black and gray plaid skirt, and black jacket (not the same one I wore the other day). Am grateful the skirt fits – I gained some weight and am trying to resist buying clothes. Make sure I have the right shoes in my bag – I’m wearing high-heeled gray suede Mary Janes today.
8:15 am: At my desk and ready to go – I remembered to bring 2 hard-boiled eggs today, which I eat with coffee while looking through emails.
12:30 pm: Call after call after call, but I have a half-hour to eat. Run to the fancy buffet place that just re-opened for 2 meatballs, brussels sprouts, broccoli, salad, and the inevitable Diet Coke ($15.75). Manage to eat before my 1:00 pm call – go me!
3:30 pm: Leave to go to a job site and pick something up that has to be shipped to Italy. Something that's almost as tall as me, but thankfully not heavy. Taxi down there because I’m in a hurry and I can get reimbursed ($14.04, including tip), expensed.
4:00 pm: I get a cab to the Fed Ex office – thankfully the first one I see is a minivan, so I fit in just fine ($12.74, including tip), expensed.
5:30 pm: Well, that was harder than it needed to be – the Fed Ex office I went to didn’t have a box that would fit the item, so they suggested another Fed Ex office about 6 blocks away, so I had to walk through midtown Manhattan carrying an object almost as tall as me (it's 5' long and I'm 5'3" tall) while dodging oblivious people. Thankfully, the other office had my box, and they were super-sweet and helpful, but it took them forever to get it done. Bought the box and bubble wrap, which will be expensed (I brought the Fed Ex label, but I don’t remember the account number) ($43.54). Get a nice early train home, though!
6:45 pm: Wow, we’re eating when I’m usually getting the train! Cheeseburgers, tots (tater for J, cauliflower for me), green beans, and vinegar coleslaw with the end of the shredded cabbage. Get the kitchen cleaned and the dishwasher run and settle in to watch the Jets – I’m not holding out much hope, but you never know!
11:30 pm: I’ve showered, set out clothes for me and M (he’s seeing customers tomorrow), I prepped for Youth Group, which I’m leading because he’ll be working, and the Jets are winning, so I decide it’s time to sleep. Up to Book 5 of the Chancey series. I find series usually go downhill after about the third or fourth book, but I’m not sure what I feel like reading, so here we are. OH, at some point M must have gone to the convenience store, because there are vape cartridges on the table ($36).
Daily Total: $122.07; $70.32 expensed
Friday, October 02, 2020
6:00 am: Wake up, grab coffee, find out the Jets lost after all, do the morning e-mail/social media scroll. Leaving early to deal with that work errand has left me with a ton of stuff to do, so I get dressed (long-sleeved v-neck gray t-shirt, white tank because the v-neck is halfway to my belly button, dark wash skinny jeans), put out the trash, peel two hard-boiled eggs, and head to my desk.
12:30 pm: As always, call after call after call. Plus a bit of aggravation when my boss asks me at 10:30 for an agenda for the 11:00 call, which I sent him at about 7:30, and which he returns at 10:59 with the formatting looking like nothing on earth. Yay whee! And a project was mentioned that he forgot to tell me I’d do. So in case I thought I’d have nothing to do (that never happens on Fridays), that’s not happening. Anyway, between calls, I run downstairs for the lunch of champions – a Hot Pocket and a Diet Coke. Just that kind of day.
6:15 pm: Realize I have to run Youth Group at 7 and I haven’t even done my haimakeup. Get that done, heat up some frozen cauliflower rice/broccoli/cheese combination and add some leftover chicken. With a green salad on the side, surprisingly yummy.
8:15 pm: I am not a good youth leader…couldn’t get anyone talking about the subject of the day, which I thought would be a good one. I did make them laugh a few times, so that’s something.
M is going to have some expenses because he went to see customers today, but I don’t know what they are and his company will reimburse him, so I’m just leaving them out.
Daily Total: $0.00
This is the Week That Was:
Food + Drink: $326.06
Fun / Entertainment: $108 (if people can put drugs in as entertainment, I’m putting our nicotine in)
Home + Health: $61.94
Clothes + Beauty: $165.64
Transport: $638.03 (some of it will be expensed)
Other: $234.47
Lastly, reflect on your diary! How do you feel about your spending? Was this a normal week for you? Has this inspired you to make changes or has it given you a “wow I’m doing pretty good” confidence boost? Is there anything you’re actively working on? No need to answer any or all these questions but just use this space to write any thoughts you have!
This was a fairly normal week except for the car breaking and needing to be registered – we're saving some now that we WFH more because M will not bring food from home, but I used to bring breakfast and lunch at least four days a week. I know we should make changes, but I also know we don’t want to – honestly, if you looked at the way I lived 15 years ago, I’ve made a lot of changes already. We’re working on the credit cards – I’ve gotten rid of several already (paid off, not just moved balances around) and we don’t use them at all anymore (I can honestly say I don’t remember the last thing I charged). The bad news is that M’s car is on its last legs, and so I see car payments in our future. Hopefully, he’ll get something used – we have my car when we want to look good going somewhere (mine isn’t super-fancy, it just wasn’t hit by a bus and full of stuff for his job).
OH, and the plumber still hasn’t shown up! But that will be for next week’s expenses.
submitted by allybear29 to MoneyDiariesACTIVE [link] [comments]

Notes and Highlights of Kentucky Governor Andy Beshear’s Live Update September 22, 2020

Notes and Highlights of Kentucky Governor Andy Beshear’s Live Update September 22, 2020
Notes by mr_tyler_durden and Daily Update Team
Register for your Absentee Ballot here!
Watch here:
Headlines
Full Notes
QUESTIONS
(continued in stickied comment)
submitted by mr_tyler_durden to Coronavirus_KY [link] [comments]

The difference between the type of betting odds

Official Site Football Tips From Israel

Learn how to calculate your probability to win by understanding the types of betting odds

What is the difference between the types of betting odds? If you think to start betting online. this one of the basic things that you have to learn. In that case, it is ridiculous to think that you can start betting without knowing how to calculate your odds to win. Betting odds shows you how much money you will win. In addition, it shows you the odds that it could happen.
Read this article very carefully and find the type of betting odds that suits you best. Because, in every big bookmaker’s website, you will have the ability to see the odds in the appearance that you prefer. If you will stick to your type of betting odds, it will help you understand the probability to win.

The probability

In the 2014 World Cup in Brazil, The probability that Luis Suarez will bite another player during the World Cup was 0.57%. More the 150 people decided that it is a good probability and believed that it could happen. They won!
They calculated the probability that the bookie gave them. As a result, they understood that it was worth the risk. Because of the lower the probability, the higher the winning profit.
There are three types of betting odds.
In the past bookmakers published the odds by the locale odds type of their localization. However, in the present, most of the biggest bookmakers give you the choice to choose the way you betting odds will appear. Now, Read carefully about the three different odds types and decide what the most comfortable way for you to understand is.

Decimal Odds

The decimal odds came from Europe, Australia, and Canada. It is the easiest way to understand your odds and your winning probabilities. It represents you what will be the amount that you will win for every 1 Euro that you bet on.
Very important to understand that it does not represent profit. It represents the return of the money. To calculate the profit, you should subtract stake (the amount of the bet) that you already paid to place your bet.
This is the calculation for the profit:
The winning profit = (Odds * Stake) – Stake
Here are some examples of how to calculate the profit when you put 10 a Euro stake.
Off course. While, the higher the probability, the lower the profit. Now, let’s calculate the probability of the same odds.
This is the calculation for the probability:
Probability = (1/Odds) * 100
Here are some examples of how to calculate the probability that the Bookmaker thinks the result can happen
Watch the Full Video Guide on YouTube!
IN THE CLIP: Demoles explains and gives tips about how to calculate the Profit and the Probability from all three main types of betting odds

Fractional odds

The Fractional odds came from bookmakers that worked in the United Kingdom and Ireland. Including, several names like UK odds, Traditional odds and even, Aka British odds. However, in most bookmaker’s websites, you will see these odds called Fractional odds. You will find it presented with two numbers that have a Slash between them. (8/1 for example).
If you see for an event with 8/1 odds to happen. It means, for every 1 Euro stake you will have 8 Euros in profit. in other words, you will receive 9 euros for the win. Therefore, the Stake was 10 Euros, you will win 90 Euros (10 stakes + 80 profit)
We will replace numbers to letters – A/B to understand to calculate the Profit:
The winning profit = (A/B) * Stake
Here are some examples of how to calculate the profit when you put a 10 Euro stake.
Off course. While, the higher the probability, the lower the profit. Now, let’s calculate the probability of the same odds.
We will replace numbers to letters – A/B to understand to calculate the Probability:
Probability = B / (A+B) * 100
Here are some examples of how to calculate the probability that the Bookmaker thinks the result can happen
However, as we saw in the Decimal odds. The same rule is in the Fractional odds too. The higher the probability, the profit is lower. Again, we will replace numbers to letters – A/B to understand to calculate the profit:

American odds

The American odds, it’s easy to guess, came from bookmakers in America. It is also known as US odds or Aka Moneyline odds. The underdog in the match will have (+) sign before its odds and the favorite team will have (-) sign before its odds.
The favorite team’s odds represent (-): How big should be your stake to win 100 Euros. While the Underdog team’s odds represent (+): How big will be your profit if your stake will be 100 Euros.
+440 means that if you will risk 100 euros your profit will be 440 euros in addition to your 100 euros stake. So, Your payout will be 540 euros.
-320 means that you need to risk 320 euros to make a 100 euros profit. In addition to your 320 Euros Stake. As a result, your payout will be 420 euros.
This is the calculation for the profit in Negative Odds:
The Profit in Negative Odds = (100/Odds) * stake
Here are some examples of how to calculate the profit when you put 10 a Euro stake in Negative Odds
This is the calculation for the profit in Positive Odds:
The Probability in Positive Odds = Odds * (Stakes / 100)
Here are some examples of how to calculate the profit when you put 10 a Euro stake in Positive Odds
This is the calculation for the probability in Negative Odds:
The Probability in Negative Odds = Odds / (Odds + 100) * 100
Here are some examples of how to calculate the probability that the Bookmaker thinks the result can happen in Negative Odds
This is the calculation for the probability in PositiveOdds:
The Probability in Positive Odds = 100 / (Odds + 100) * 100
Here are some examples of how to calculate the probability that the Bookmaker thinks the result can happen in Positive Odds

Our conclusion

At the end of the day, all three different types of betting odds: Decimal odds, Fractional odds, and American odds. Show the same probability and the same payout. They just present them in 3 different ways. We recommend you try them all, and see which Odds type suits you the best and work with it. But, no matter which odds type you choose. You always have to consider the probability and see if it worth the risk.
In our podcast, Demoles always pick his betting predictions, only after he calculated the probability to win and when it worth the risk. In view of, maximizing the winnings by the information that he collects and shares about the Football in Israel.
Does this article help you? if so, learn more about the most common types of football bets. It will help you improve your betting skills.
https://footballtipsil.com/
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The difference between the type of betting odds

Official Site Football Tips From Israel
Learn how to calculate your probability to win by understanding the types of betting odds
What is the difference between the types of betting odds? If you think to start betting online. this one of the basic things that you have to learn. In that case, it is ridiculous to think that you can start betting without knowing how to calculate your odds to win. Betting odds shows you how much money you will win. In addition, it shows you the odds that it could happen.
Read this article very carefully and find the type of betting odds that suits you best. Because, in every big bookmaker’s website, you will have the ability to see the odds in the appearance that you prefer. If you will stick to your type of betting odds, it will help you understand the probability to win.
The probability
In the 2014 World Cup in Brazil, The probability that Luis Suarez will bite another player during the World Cup was 0.57%. More the 150 people decided that it is a good probability and believed that it could happen. They won!
They calculated the probability that the bookie gave them. As a result, they understood that it was worth the risk. Because of the lower the probability, the higher the winning profit.
There are three types of betting odds.
In the past bookmakers
published the odds by the locale odds type of their localization. However, in the present, most of the biggest bookmakers give you a choice to choose the way you are betting odds will appear. Now, Read carefully about the three different odds types and decide what the most comfortable way for you to understand is.
Decimal Odds
The decimal odds
came from Europe, Australia, and Canada. It is the easiest way to understand your odds and your winning probabilities. It represents you what will be the amount that you will win for every 1 Euro that you bet on.
Very important to understand that it does not represent profit. It represents the return of the money. To calculate the profit, you should subtract stake (the amount of the bet) that you already paid to place your bet.
This is the calculation for the profit:
The winning profit = (Odds * Stake) – Stake
Here are some examples of how to calculate the profit when you put 10 a Euro stake.
Off course. While, the higher the probability, the lower the profit. Now, let’s calculate the probability of the same odds.
This is the calculation for the probability:
Probability = (1/Odds) * 100
Here are some examples of how to calculate the probability that the Bookmaker thinks the result can happen
Watch the Full Video Guide on YouTube!
IN THE CLIP: Demoles explains and gives tips about how to calculate the Profit and the Probability from all three main types of betting odds
Fractional odds
The Fractional odds came from bookmakers that worked in the United Kingdom and Ireland. Including, several names like UK odds, Traditional odds and even, Aka British odds. However, in most bookmaker’s websites, you will see these odds called Fractional odds
. You will find it presented with two numbers that have a Slash between them. (8/1 for example).
If you see for an event with 8/1 odds to happen. It means, for every 1 Euro stake you will have 8 Euros in profit. in other words, you will receive 9 euros for the win. Therefore, the Stake was 10 Euros, you will win 90 Euros (10 stakes + 80 profit)
We will replace numbers to letters – A/B to understand to calculate the Profit:
The winning profit = (A/B) * Stake
Here are some examples of how to calculate the profit when you put a 10 Euro stake.
Off course. While, the higher the probability, the lower the profit. Now, let’s calculate the probability of the same odds.
We will replace numbers to letters – A/B to understand to calculate the Probability:
Probability = B / (A+B) * 100
Here are some examples of how to calculate the probability that the Bookmaker thinks the result can happen
However, as we saw in the Decimal odds. The same rule is in the Fractional odds too. The higher the probability, the profit is lower. Again, we will replace numbers to letters – A/B to understand to calculate
the profit:
American odds
The American odds, it’s easy to guess, came from bookmakers in America. It is also known as US odds or Aka Moneyline odds. The underdog in the match will have (+) sign before its odds and the favorite team will have (-) sign before its odds.
The favorite team’s odds represent (-): How big should be your stake to win 100 Euros. While the Underdog team’s odds represent (+): How big will be your profit if your stake will be 100 Euros.
+440 means that if you will risk 100 euros your profit will be 440 euros in addition to your 100 euros stake. So, Your payout will be 540 euros.
-320 means that you need to risk 320 euros to make a 100 euros profit. In addition to your 320 Euros Stake. As a result, your payout will be 420 euros.
This is the calculation for the profit in Negative Odds:
The Profit in Negative Odds = (100/Odds) * stake
Here are some examples of how to calculate the profit when you put 10 a Euro stake in Negative Odds
This is the calculation for the profit in Positive Odds:
The Probability in Positive Odds = Odds * (Stakes / 100)
Here are some examples of how to calculate the profit when you put 10 a Euro stake in Positive Odds
This is the calculation for the probability in Negative Odds:
The Probability in Negative Odds = Odds / (Odds + 100) * 100
Here are some examples of how to calculate the probability that the Bookmaker thinks the result can happen in Negative Odds
This is the calculation for the probability in PositiveOdds:
The Probability in Positive Odds = 100 / (Odds + 100) * 100
Here are some examples of how to calculate the probability that the Bookmaker thinks the result can happen in Positive Odds
Our conclusion
At the end of the day, all three different types of betting odds
: Decimal odds, Fractional odds, and American odds. Show the same probability and the same payout. They just present them in 3 different ways. We recommend you try them all, and see which Odds type suits you the best and work with it. But, no matter which odds type you choose. You always have to consider the probability and see if it worth the risk.
In our podcast, Demoles always pick his betting predictions, only after he calculated the probability to win and when it worth the risk. In view of, maximizing the winnings by the information that he collects and shares about the Football in Israel.
Does this article help you? if so, learn more about the most common types of football bets
. It will help you improve your betting skills.
https://footballtipsil.com/
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The most common types of football bets

https://footballtipsil.com/

Types of bets – Why it is important to understand the difference between them?

As a beginner, you must know all the most common types of football bets. The most significant problem for sports betting beginners. They start betting online, without getting familiar with the basics of sports betting. There are a lot of differences between the types of football bets that can confuse at the beginning. Therefore, our first Betting tip for a beginner is to learn a few simple types of bets. (In United States they call bet a “Wager”) And start betting only after knowing exactly what are the odds and what are the rules of the type of football bet that you choose to bet with.
This guide contains all the information needed, to get started. We picked four different types of bets. These types of bets are the easiest to understand and that is the most common in the different bookmakers betting websites. In general, we think that it is important to extend the knowledge of the betting terms glossary all the time. So keep tracking our guide, we are adding new betting material and new tips all the time.
First, read and understand each type of bet. Also, after finish reading, start betting slowly with no rush and not with big stakes. Just learn at the beginning, you will have all the time in the world to expend your stakes in the future.

The types of bets:

Full-time result:

This is the most common football bet that a player will find. This bet is very easy to understand. The player only has to decide which team will win or if the match will end as a draw. 1 – x – 2.
1 – A winning for the Home team
X – The match ended with a draw
2 – A winning of the Away team
The Full-time Result Type of bet is famous for its high odds. Because you have three choices to bet on, the odds are high. Similar types of bets have two choices for the players to bet. Therefore, the odds there are significantly lower than in the Full-time result bet.
It is important to understand that this bet is only for the end of a normal game-time (90 minutes). In case of extra time, this bet closed and the final result calculated only after 90 minutes. No matter what is the result in the extra time.
This type of bet is popular for beginners. However, also professional players like this type of bet. The professional know-how to find a match from Minor league in a small country. Like Israel, the bookmakers do have a lake in the data from these leagues. In these leagues, the professionals find matches with wrong odds that the bookmakers made mistakes. They bet a large stake on these matches. Following the reason that in the Final Result type of bet, the odds are very high compare to other types of bets.

Goals OveUnder:

This type of football bet is giving you the chance to bet on the totals of goals that will be in the match. No matter which team. For example, if the bookmaker put a Goals OveUnder 2.5 – The player has to decide between two options:
In case the match ended with 4 goals and the player bet on Over – the player Wins the bet
In case the match ended with 1 goal and the player bet on Under – the player Wins the bet
The professional players are searching for leagues that have significant states for OVER goals per match in its matches or significant stats for UNDER goals per match in its matches. With that knowledge, they constantly bet on UNDER or OVER goals per match. They stick for this league and in most of the time will win.
YouTube Video Guide!

Draw No Bet:

This type of football bet is very simple. The player choose which team will win the match, Home win or Away win. In the case of the draw, the stake will be returned and it means the player neither wins nor lose. This type of bet is good when there is a good odd on one side, but the win is not so sure. Therefore, the player prefers to bet with a Draw no bet type of bet. In case the match will end in a draw. His stake will return to his e-wallet. This type of football bet known for beginners that still have to get more involved but don’t want to risk a lot and bet in a calm mood.
Even professionals like this type of bet. Mostly in minor leagues, they locate a match that the bookmakers didn’t calculate the odds correctly. the mostly gives the underdog a higher odds than the probability that the underdog will win. In these matches, the professional will make a Draw No Bet on the underdog.

Double Chance:

As the name of this type of football bet declares – The player has a double chance to win this bet. A player when he plays Double chance bet, can choose between 3 options:
The bookmakers give the player an option to choose two possible results in one bet. Moreover, it gives the player a “Double chance” to win.
Most of the time, this football bet has very low odds. That means most of the time the player will earn a small amount. Usually, it is not worth to play this bet unless you use it in a Bet Builder combination. However, it is important to keep an eye on this betting type. Because there are matches that the odds are higher than usual. Most of the time for the underdog and it could be a good chance to win it while you have a safe zone of two different ways to win.
Before start betting – You must understand exactly how to read the Betting Odds types. There are three main odds types. Decimal Odds, Fractional Odds, and American Odds. Each odds type represents your probability to win and your profit differently. So, don’t forget to check out the article about the difference between the Main Betting Odds Types.
Keep tracking our guide with more information about sports betting, new terms, and more complex betting types.
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[MISC] Results of the Clash of Clans survey

Here are the results of the survey I conducted a few days ago. Keep in mind that there may be some bias since I only posted the survey on Reddit (especially in the demographics section). There were 317 responses. Below the survey results, I listed all the responses to "My favorite memory..."
Here are graphs and pie charts for each question (the percentages on the bar graphs are incorrect. Please see below for correct percentages on all the questions): https://photos.app.goo.gl/ts63k2mZ8QoSJ4K39
Survey from 2 years ago for comparison: https://www.reddit.com/ClashOfClans/comments/7pt3my/misc_results_of_the_survey

Demographics

What gender are you?

• Male: 305 responses (96.2%)
• Female: 12 responses (3.7%)

How old are you?

• Below 10: 1 response (0.3%)
• Teens: 191 responses (60.3%)
• 20s: 93 responses (29.3%)
• 30s: 18 responses (5.7%)
• 40s: 9 responses (2.8%)
• 50+: 5 responses (1.6%)

What country are you from?

• United States of America: 188 responses (59.3%)
• Canada: 22 responses (6.9%)
• United Kingdom: 21 responses (6.6%)
• India: 21 responses (6.6%)
• Australia: 11 responses (3.5%)
• Netherlands: 11 responses (3.5%)
• Germany: 7 responses (2.2%)
Other: 36 responses (11.4%)

Player

How often do you play the game?

• Attack a few times a week: 16 responses (5%)
• Attack 1-2 times a day: 52 responses (16.4%)
• Attack 3-4 times a day: 84 responses (26.5%)
• Attack 5+ times a day: 165 responses (52.1%)

What Town Hall are you?

• Levels 1-4: 36 responses (5.3%)
• Levels 5-6: 56 responses (8.2%)
• Level 7: 54 responses (7.9%)
• Level 8: 65 responses (9.5%)
• Level 9: 107 responses (15.7%)
• Level 10: 115 responses (16.9%)
• Level 11: 106 responses (15.5%)
• Level 12: 83 responses (12.2%)
• Level 13: 60 responses (8.8%)

What Builder Hall are you?

• Have not gone to Builder Base: 20 responses (3.6%)
• Level 2: 24 responses (4.3%)
• Level 3: 37 responses (6.7%)
• Level 4: 58 responses (10.5%)
• Level 5: 66 responses (11.9%)
• Level 6: 83 responses (15%)
• Level 7: 62 responses (11.2%)
• Level 8: 51 responses (9.2%)
• Level 9: 154 responses (27.7%)

What trophy league are you in?

• Not in a league (grey): 19 responses (3.2%)
• Bronze: 30 responses (5%)
• Silver: 91 responses (15.2%)
• Gold: 109 responses (18.3%)
• Crystal: 151 responses (25.3%)
• Masters: 80 responses (13.4%)
• Champions: 57 responses (9.5%)
• Titans: 29 responses (4.9%)
• Legends: 31 responses (5.2%)

How many accounts do you have?

• 1 account: 108 responses (34.1%)
• 2 accounts: 105 responses (33.1%)
• 3 accounts: 45 responses (14.2%)
• 4 accounts: 21 responses (6.6%)
• 5+ accounts: 38 responses (12%)

What style of game play do you like?

• Wars (CWL, Regular, and Friendly): 143 responses (45.1%)
• Farming: 143 responses (45.1%)
• Trophy Pushing: 18 responses (5.7%)
• Builder Base: 2 responses (0.6%)
• Other: 11 responses (3.5%)

What is your favorite activity to participate in?

• CWL: 142 responses (44.8%)
• Clan Games: 67 responses (21.1%)
• Clan Wars: 62 responses (19.6%)
• Season Challenges: 18 responses (5.7%)
• Special Events: 16 responses (5%)
• Builder Base: 5 responses (1.6%)
• Other: 7 responses (2.2%)

How often do you buy the Gold Pass?

• Never: 103 responses (32.7%)
• Once every few months: 59 responses (18.7%)
• Every other month: 30 responses (9.5%)
• Always: 123 responses (39%)

How long have you played the game? (Not including breaks)

• Less than 6 months: 30 responses (9.5%)
• 1 year: 30 responses (9.5%)
• 2 years: 46 responses (14.5%)
• 3 years: 64 responses (20.2%)
• 4 years: 36 responses (11.4%)
• 5 years: 40 responses (12.6%)
• 6 years: 53 responses (16.7%)
• Since release: 18 responses (5.7%)

Clan

What is your highest role in the clan?

• Leader: 41 responses (13.1%)
• Co-Leader: 120 responses (38.3%)
• Elder: 95 responses (30.4%)
• Member: 57 responses (18.2%)

What level is your clan?

• Levels 1-3: 25 responses (8%)
• Levels 4-6: 46 responses (14.7%)
• Levels 7-9: 50 responses (16%)
• Levels 10-12: 50 responses (16%)
• Levels 13-15: 52 responses (16.6%)
• Levels 16-18: 37 responses (11.8%)
• Levels 18+: 53 responses (16.9%)

What Clan War League is your clan currently in?

• Bronze: 14 responses (4.5%)
• Silver: 43 responses (13.9%)
• Gold: 85 responses (27.4%)
• Crystal: 103 responses (33.2%)
• Masters: 52 responses (16.8%)
• Champions: 13 responses (4.2%)

How active is your clan?

On a scale of 1-5 with "1" being Dead (almost no activity) and "5" being very active (almost non-stop activity).
• 1: 3 responses (1%)
• 2: 24 responses (7.7%)
• 3: 68 responses (21.7%)
• 4: 131 responses (41.9%)
• 5: 87 responses (27.8%)

How many people are in your clan?

• Below 10 people: 7 responses (2.2%)
• 11-20 people: 15 responses (4.8%)
• 21-30 people: 33 responses (10.6%)
• 31-40 people: 72 responses (23.1%)
• 41-50 people: 185 responses (59.2%)

Does your clan use out of game apps?

• Yes: 141 responses (45%)
• No: 172 responses (55%)

Is your clan part of a family of clans? Is so, what is it called?

• My clan is not part of a family of clans: 233 responses (75%)
• FWA (Farm War Alliance): 11 responses (3.5%)
• RCS (Reddit Clan System): 6 responses (1.9%)
• My clan is part of a family of clans that is not listed here: 61 responses (19.6%)

What type of clan are you in?

• War: 233 responses (74.4%)
• Farming: 46 responses (14.7%)
• Donation: 6 responses (1.9%)
• Clan Games: 6 responses (1.9%)
• Trophy Pushing: 2 responses (0.6%)
• Other: 30 responses (9.6%)

Clash of Clans Stories

One of the questions in the survey was to share a favorite memory you have of playing Clash of Clans. Some people wrote a lot, others a little, and some did not share at all. I found a lot of the responses really heartwarming and I decided I want to share all of the stories. I broke them into categories to make it easier to read. I suggest to read them all if you have the time

Best Overall Story

One day I was chillin in global chat just vibing. There was like 10 players that were actively chatting in global with me. We had all been chattin for nearly an hour when I said,” Yo bois we should make ourselves a clan” we all were like,”Honestly I’m down” I made the clan, and we joined forces. We were anywhere from th 6-10, me being a th 10 at the time. We had an amazing run and lead a great clan to many war victories. Slowly our clan began dying but in 1 last dying effort to revive the clan I sent out a mail begging for the clan to reactivate itself, I wasn’t ready to give up our incredible clan we built from a small group of homies from global. 1 of the OG global chat players said,” you know what? Your right. Ima be active. I ain’t ready for this to end” or something to that effect. Slowly everyone began to come back and we were at our peak level of activity. This was back in the day when you could change clan settings without it saying so in chat. One day I logged in to find that our clan description had been changed. It said and I quote,” F*ck you *my username”. I was the leader. The only people in the clan that were Co-Leader and could change the clan description was the OG people that had started it. There was basically a war amongst our clan leaders. People accusing others of being the one ruining the clan, and the saddest part was it was one of the OG people so none of us really wanted to accuse anyone because we all thought we were homies. The clan discription continued to change to more vulgar and racial sayings. After many many members left, including many of the OG creators, the person finally confessed. His name was PuffyApple. He had been such a homie and a great person for so long but he had been the one doing all. He apologized and said sorry i dont know why I did it. It was too late. Everyone that was once loyal left the clan but a few. I didn’t know what to do so I went to raid while I decided. I decided i would kick him. When I got back he had kicked the remaining players and left a message to me saying,”Sorry dude” and left. My amazing clan was gone. But it’s ok I still remember the glory days of that clan. It will live on forever.

General Stories

Probably my th7 push to t2 2 years ago. It took a lot of time and I spent something like 6 months up in titans but I really enjoyed it. I would typically spend 4+ hours a day online searching for bases. Most of the bases I found that I would attack were th9s and 10s with either a lot of snipable buildings to get a 50% 1 star or an anti 3 star which I usually got 2 stars off of. The occasional th8 that I found was typically a three star. Something else interesting is the fact it took me three hours of boosting to get through all of the masters.
When I first joined the game (4+ years ago) I joined a small clan. It grew and we all had fun together. Everyone was nice and it was amazing. Unfortunately an a-hole convinced the leader so he can have leader for a bit and kicked everyone.Left the game for 4 years... I started playing again and I get the thought to recover my old account. It works and the memories flood back. Coc was a major part of my childhood and to find the account back meant a lot.
I still remember my first few good clans I've joined and the fun banter I'd get in. I found some screenshots recently of some weird conversations we've had and I still am friends with some of the guys on facebook and snapchat. My most favorite memory is when I mentioned liking some boy (im a girl) and some guys was like "oh... girl or gay?" I also liked having arguments about who was going to kick next
It’s not that amazing but back in the day i used to play with my friends in primary school just before the clan war update, and we talked for hours and hours how clan war could be a thing. Ideas came up such as all clan members donate troops to the clan leader and he/she does one massive attack with a thousand or so troop space. This memory will stick with me for a long time
I love recruiting, so every time I bring new members to my clan that’s a good memory. I also just really enjoy chatting with all the friends I’ve made over the years on this game, talking to my clan mates, winning wars. Memorably, my clan recently went on a 31 war win streak we put our heart and soul in. That was great. This game has brought me a lot of joy over the years.
I remember when I was a rushed TH6, had to be in 2014 or something like that. The old days with crack head Goblin and pervert Giant. The stars to indicate troop levels. You had to train in each individual barracks. Global chat was filled with BD clans, and "Any Girl?". When the max Town Hall was TH10 with blue walls. The simpler times were the truly the best times.
Back in the 5th grades years ago, me and my friends would bring our tablets to school and would play clash together. We would schedule the wars so that we could attack together at school so we can be as coordinated as possible. It also resulted in me ruining my iPad by dropping it while my friends were attacking for me while I was holding it. Good times lmao
My friends from school would start playing clash of clans for about 2 weeks but then stop playing. This happened every year and every few months and since I enjoyed the game I would grind and have the best base out of all my friends. Now I feel a sense of pride and accomplishment when I show them my strong base.
Either getting excited at school knowing that I had more trophies than everyone in the country or at 10pm sitting there reaching legend league on my th8 account. If not those, it was certainly a great moment when the squad gathered round to watch me upgrade to th13 at school when it just came out
Staying up the night to loot dark elixir at TH7 to upgrade barb king and hogs. Also to generally making new friends, learning new tactics, and getting better at the game. Also to admire the valks from TH8 coz they are the most aesthetically pleasing troop to look at🤭
There was a super rushed th11 that was in the same clan as me. A year and a half later that player was #1 in Canada I now realize that it probably wasn’t the same person and it was probably someone with the same same
Honestly, after a long time of leaving and coming back to the game and finally reaching th9. I feel like the game truely starts at th9 and i'm really into the game now.
Town hall 9 was the best town hall because there were so many unique strategies and I'd consider it the first time I actually became a successful competitive attacker.
In 2016, me and cousin thought someone was backing but it turns out that they weren't hacking and we took it so seriously lol.
That one cold winter night in my bed while I had a training boost on and grinded while on my tv watched YouTube
It gives me the option if I want to play, I can. I can also put it down for a few days and jump back into it.
When you got attacked and your army camps was destroyed you lost your army too and had to retrain
Discussing our wat strategies back when me and my high school class mates had a clan together
Global chat and an active clan chat where i know all the people. Also 2014 req & leave clans
Staying up until 1 am pushing to titan league with my best friend.
Helping a legend league clasher in global find a top level clan.
town hall sniping to get to masters as a th7 on my main account
Just farming or pushing and talking to random people in global
My favorite memory is absolutely annihilating my friend’s base
That feeling when you went back to the game after years.
I'm not sure, every moment playing it was fun:D
The tutorial in my new account.
My friend introducing it to me
North 44 and Jorge Yao
When i first got it
Global chat ofc
The funny bases
Global chat
Global Chat
Being lit

Progress/Upgrade Stories

When I maxed my TH9 in my main account. I took a 6 month break and downloaded clash again when I went to visit my cousins in Bakersfield. My base was rushed asf, level 6 walls, level 4 defenses and no king or queen. That’s summer when I visited them was the hottest it’s been in years so I stayed inside for the majority of the time so I had a lot of time to farm. Long story short I maxed out by the time I came back home and was really happy
My first time unlocking the barb king and a couple of teslas on th8. This was back in around 2013-2014, I remembered I was hyped on getting my own hero. I was also glad upon unlocking the teslas because back then it dealt twice dps damage or so to pekkas (back then, 14 year old me thought pekkas were the ultimate badass troops), so I thought; oh here it is, the ultimate defense buildings at that level back then.
When I finally maxed out TH9 (excluding heroes). I was very rushed (gold walls and level 5 heroes) when I upgraded to TH9. I returned to the game about a year later and began to play consistently. After about 4~5 months I fully maxed TH9 excluding heroes.
One of my favorite times in the game was finally getting to th9 since i was eager to get all the new stuff (Xbow, Queen) so i smacked a hammer of building on my town hall and i was at th9, the town hall that was the max one when i heard about the game
I’m not too involved with the game, I picked it up with the intention of just relaxing and playing it, so probably when I got my heroes to 50/50/20
When I came back a few months ago after not playing since 2016 and everything was so cheap, and so many collector raids were available
When I got the barbarian king, I was incredibly excited. One of my best memories.
Getting my queen to 30. Or generally maxing out any th is pretty satisfying to me
Getting dark elixer for the first time
maxing out my th9 when th9 was the max
When I unlocked my dragon in th 7
Donating max troops with th10

Friendship Stories

I was in a mediocre clan that had a couple really active members (2-3 hours playtime a day on average), but most just logged in like twice a day. I added one of the active members on kik and we chatted for quite while every evening for like a month, their birthday was coming up and they reminded me like every day of it and made kind of a big deal about that I shouldn't forget about it. I told them I wouldn't (and didn't) and told them my birthday too (which was like 8 months later) then after a while they quit the game and we lost contact, but after I hadn't spoken to them in like 5 months they still congratulated me on my birthday, which was a big surprise and very much appreciated.
I was in band class when this game first came out around December of 2012. I would’ve been 12 or 13 years old in 7th grade. My friend had just told me this new game had came out and he was trying to get me to play it. It was booming with popularity and I thought it looked fun enough, so I downloaded it during my class and played in between practicing my trumpet and listening to my teacher talk. I quickly became addicted to it and eventually I was the best player at my school. I kept playing all throughout high school, and even into college where I am now almost graduated. That game was clash of clans and I haven’t stopped playing for more than a week or so since.
My most favorite memory of the game. Ya know there’s so many to choose from. But one that most likely stands out to me is when I built a clan from lvl 1 to lvl 10 with a friend. It brought us closer in real life. And with discord it brought the clan from just clan mates to friends who share memes and such. I have gotten to know so many people that used to be “just clan mates” but are now game friends that I talk to daily on discord. That just has to be my favorite memory from the game because it means so much to me. There’s just a lot of satisfaction from growing a clan like that. Dedication and trusting people.
one of the main reasons I still play this game is because of the friends I have made with the players in my clan. I've been in the same clan for 4 years and not only do we all take the game seriously we truly treat one another like family. many of us have met up in person and we've gone hiking and played football together, just to name a few. the social aspect of this game is really big and I'm not too sure if I'd still be playing today if it weren't for my clan.
My favorite memory of the game was the friends I made. I was young and stupid and rushed my base to th9. It was when I joined my “ex-clan” that I finally realized how much this game would impact me. There were many friendships made that I feel will last a long time. My favorite memory was not necessarily about the game, but rather the connections I made with it.
Being in middle school about 6-7 years ago and joining clans with my friends, then having someone kick everyone out and making a new clan. It was annoying at the time but now I look back on it very fondly.
Getting back home from school and having a good time with my friends ( this was like 5 years ago and they all quit a long time ago) We would play for hours, sometimes to 2am on school nights
Leading my first clan at release with a bunch of high-school friends. We all played during school or athletic events and I remember rushing to townhall 7 to donate dragons for everyone.
not really a good memory but definetely one of my favourites. Long story short, i talked someone out of suicide, i joined their clan and talked with them and got them help.
Being in my second clan in general. Made some really good friends who were in their high teens when I was barely 12. Felt part of a family really. It sucked to leave them:(
Made some friends in USA and when I visited USA met with them. They hosted a dinner for me. It was amazing experience. Moreover got a nice tour of Detroit with them.
I had a clanmate who was terminally ill the clan had around 13 total members and we where all friend but hadn't met in real life. So most of us all went to visit him
Just being able to play with my friends and family and having fun and chatting outside the game too. Fun way to keep together online
Chilling with friends during my teens just to plan out a war attack and together watching it succeed or fail horrendously
My co-leader came to visit from another country and we had an absolute blast visiting wineries and playing clash.
I just enjoy having conversations with my clan mates
Playing with my school friends as a kid
Playing it with my friends every summer

Clan Stories

Starting my own clan has been one of my best experiences in the game. It has actually helped me develop some life skills like leadership, marketing and persuasion (to try to get people to join). I remember when I was a new th8 trying to build my clan with a guy I met from Reddit. We messaged back and forth trying to come up with a name, rules, how often we should declare wars etc. Once we made the clan, we slowly managed to get like 10 people to join. A BD from global joined and asked for coleader. I assumed he wanted to kick everyone in the clan once he had Co. Acting like an idiot, I promoted EVERYONE to Co so that way he wouldnt be able to kick them. However, I was also a Co at the time and was unable to demote them back to where they had been. I regretfully had to ask the Leader to come on and take care of everything. Luckily, he didnt kick ME too lol. After a few months the leader grew inactive and he gave me Leader. I have built the clan to level 15 and it has been a great learning experience
My favorite memory was creating my first successful clan. I was TH8 at the time and my brother and I were in Wisconsin Dells. I must’ve been no older than 11. (I’m 16 now) I would play on my moms iPad and when creating this clan we focus on getting as many people as possible. We got 50 people within an hour. Then we kicked some of the bad people and then bam TH10’s we’re joining (max th). Then by the end of the week we gave one guy co and he kicked the entire clan. Pretty sure this is where my trust issues started lol.
Back when I was a th7, I joined a new clan, I was fairly rushed back then, so I had difficulty finding a clan competent clan in the first place, let alone long term. I joined this clan, expecting to be kicked at some point, but no. The leader was kind, and told me that I could stay, if I fixed my rush. This guy was like a teacher to me, and still is. I wouldn’t be as good at the game as I am now without any of this guys help.
Back when we were all TH 5 or 6, this person joined our clan who was top town hall, maybe th10 at the time. He donated all these fantastic troops and made us feel pretty lucky. He stayed with us for a couple months then moved on, maybe to do the same for another clan. I think his or her name was joj*o. Many of us are TH12 or 13 now, but those were fun times.
Right now, I'm in a great clan that's always active. We just created a new clan for our mini accounts so that we have more room for people in the main clan. This has made it way easier to play my mini accounts and I think every clan should do this.
When I saw a th11 join our clan back when th11 was max. We were a clan with the highest member being th9, so it was a pretty big deal
Making a clan with some buddies and just messing around together
Being promoted to elder and then to co-leader a year later
Building up a clan from only random people met on global
Joining a clan from reddit, was fun while it lasted
Getting promoted to Co-Leader in my beloved clan
Creating my own clan for the very first time
first few months of joining my clan
Starting a clan with all your friends
Getting promoted in my clan.
Finding a good clan finally
Being the leader of a clan
When the clan turned lvl10

War Stories

Back before friendly wars, or SC really supporting competitive play, the competitive scene was home grown and self organised. New players wouldn't know a time where you had no option to challenge a certain clan. To make that happen it would take two clans coming together, contacting each other out of game and communicating a plan. Every player would have to calculate their war weight, spreadsheets were creating mapping out each clans war weight. You would have to make sure your clan mates didn't upgrade or drop a new defense at the wrong time to create an unfair match up... and then all the cats are herded, and both clans are ready... the clan leaders would press 'search' at the same time and hope for the best. The first time we pulled off a match with the clan we wanted to compete with, 30 v 30, it was glorious. It was something we all wanted to do from the beginning - challenge the clan you wanted in a contest that was totally balanced. From here, community organised leagues were born - something that gave Supercell the push to start the CWL. I'll always remember when we matched that first time. The chat blew up and we were so psyched. It was beautiful.
I joined a clan called GOBS LIMITED, where we only upgraded barracks to level 4, and only upgraded goblins in the lab. It was the most fun I’d had in years. Then SC introduced three anti engineering patches that completely killed us for about two years. I always looked back on that time as the funnest and most memorable thing to happen to me in a game. Then, level 8 goblins happened. All the dead players saw it, and dusted off their gob accounts. Some of us had kept going over the years, in our own clans or hopping around looking for a new home that wanted a goblin. But we all got back together and started finding war matches. Our years of effort had not been in vain, and we continue to win our wars. We’re currently undefeated with a 16-0 score since GOBS LIMITED has been raised from the dead. We are still growing, so if you’d like to join us search up our new feeder clan GOBS INC™️ (Use the emoji or the search algo can’t find us). We’d love to have another goblin in our horde. You won’t regret it. -Frozen Goblins
Joining a clan called Darker Knight for the first time 5 yrs ago. I was in a really bad clan my with my friends who were all rushed or th3. I noticed the clan sucked ass so I left and went to global. I talked to this th10 (which was the highest th at the time) and ig he saw something in me because he recruited my th4 lookin ass to his clan. The clan was amazing. I got max troops for the first time and it was truly amazing. I'm still in the same clan (but its like a feeder clan) and the clan has gone passed its glory but its still solid. One of my favorite memories from the clan was when I first unlocked dragons and needed to get a star on a th9 to win the game. The clan helped me strategise for 50%. I went in and nervously placed down my dragons. In 2 minutes of tension filled placements I got 50% and won the war! Good memories
About 4-5 years ago now my current clan used to be our school clan. we were in a war, probably one of our first, and i was the only person in the clan with a dark barracks. like 4 people had attacked their number 2 and no one could get a star. the leader at the time said, “can someone please take out number 2.” i responded “i got this” and then proceeded to 3-star him with a minion swarm in less than a minute
I was TH6 (in 2015) and the two stock attacks at the time were Giant/HealeWiz or Loons. We ran into a difficult base where the loons circled around the AD and got picked off. The giants pathing was in a way where they missed a cannon and time failed. I made a small change (everyone was taking healer and wiz in CC, I took minions to take out the cannon). My first 3 star which I made a plan myself.
I used to have a th 9 account before it got banned. My favorite story was when my entire army died against a th8 cause of a valkyrie in the cc that brutalized my giants. My queen walk took down half the base and the town hall, and got me a 2 star instead of a loss. It was also first time queen walking.
Usually war wins or getting 2 x 3. I guess my favourite was doing the last attack with less than a minute left knowing I needed a 2 with >78%. I had to attack a town hall higher and clinched it with 79%. Loads of spectators and I know they would not have expected me to get it done.
The first time I 3 starred in war back in 2016 as a town hall 9. It was much harder back then and I'll never forget how happy I was that I was able to 3 star another base.
I remember the first time I three starred a Th9 with GoHo on my Th9. I felt like I was a legend then, but I can do it pretty consistently now. The first time was the best.
going over a 3 star plan, skitching it, talking live on discord, then watching the new guy clutch a 3 star in the last minute of war to win it for us.
when my th8 account gave me a th4 account matchup and i beat him with a barb king and 3 balloons
Hitting late in a war, and getting back to back 3 stars to win it for my clan.
Not specific but I like the nail biting finishes to wars or comebacks in wars
When I 3 starred a TH12 as a TH11 which helped secure the win in a CWL war!
Attacking in the war while in school during breaks with my friends
I have had the most fun during very close and competitive wars.
When I won an attack with only archers against a max th9 base
Betting with friends on clan wars not money but snacks
Winning a clan war by the skin of our collective teeth
Getting the last second triple is always up there
Close war wins. Clutch 3 stars
When wars first game out
Clan wars being added

Funny/Wierd

On my then mid-th9, I would leave my clan and go into global asking for a clan. I'd wait until a really low clan invited me, and then I'd join that clan. Clans with younger players and no players at or above my level works best. I'd then do the whole "Thanks for the invite" and "Is this an active clan?" routine. Then I'd request wall breakers, and 9 times out of 10 would get lvl 2 wizards or giants. I'd then say something along the lines of "This clan is horrible! I asked for wall breakers and got (whatever I got)!" And then I'd leave. Probably not the nicest thing ever but whenever a clan actually donates wall breakers I stick around for a bit longer and make small talk. I'll miss global.
definitely when I tricked my clan that my 2 accounts were 2 people for a few months. I even had a couple of conversations with my self, and had everyone convinced that I am me and my friend. I exposed myself and they were so close to kicking me, great times
back when global was a thing i named myself defnotahopper and would hop bases like a mf 😂😂 and i remember how hype i was when the lava hound was released
Not a fond memory but when I was younger some guy in global chat told me Santa wasn’t real. That ruined my life back then.
When I was in war and some one donated me all wall breakers. I literally left
Teaching my clanmate in how to change the sheets of his bed!
Getting head while attacking in a war
You ;)
Penis
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I am about to post the 3000 most common words in the English lexicon. Wish me luck...

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I’ll make the next 3000 word sacrifice

3000 most common words in the English lexicon
a abandon ability able abortion about above abroad absence absolute absolutely absorb abuse academic accept access accident accompany accomplish according account accurate accuse achieve achievement acid acknowledge acquire across act action active activist activity actor actress actual actually ad adapt add addition additional address adequate adjust adjustment administration administrator admire admission admit adolescent adopt adult advance advanced advantage adventure advertising advice advise adviser advocate affair affect afford afraid African African-American after afternoon again against age agency agenda agent aggressive ago agree agreement agricultural ah ahead aid aide AIDS aim air aircraft airline airport album alcohol alive all alliance allow ally almost alone along already also alter alternative although always AM amazing American among amount analysis analyst analyze ancient and anger angle angry animal anniversary announce annual another answer anticipate anxiety any anybody anymore anyone anything anyway anywhere apart apartment apparent apparently appeal appear appearance apple application apply appoint appointment appreciate approach appropriate approval approve approximately Arab architect area argue argument arise arm armed army around arrange arrangement arrest arrival arrive art article artist artistic as Asian aside ask asleep aspect assault assert assess assessment asset assign assignment assist assistance assistant associate association assume assumption assure at athlete athletic atmosphere attach attack attempt attend attention attitude attorney attract attractive attribute audience author authority auto available average avoid award aware awareness away awful baby back background bad badly bag bake balance ball ban band bank bar barely barrel barrier base baseball basic basically basis basket basketball bathroom battery battle be beach bean bear beat beautiful beauty because become bed bedroom beer before begin beginning behavior behind being belief believe bell belong below belt bench bend beneath benefit beside besides best bet better between beyond Bible big bike bill billion bind biological bird birth birthday bit bite black blade blame blanket blind block blood blow blue board boat body bomb bombing bond bone book boom boot border born borrow boss both bother bottle bottom boundary bowl box boy boyfriend brain branch brand bread break breakfast breast breath breathe brick bridge brief briefly bright brilliant bring British broad broken brother brown brush buck budget build building bullet bunch burden burn bury bus business busy but butter button buy buyer by cabin cabinet cable cake calculate call camera camp campaign campus can Canadian cancer candidate cap capability capable capacity capital captain capture car carbon card care career careful carefully carrier carry case cash cast cat catch category Catholic cause ceiling celebrate celebration celebrity cell center central century CEO ceremony certain certainly chain chair chairman challenge chamber champion championship chance change changing channel chapter character characteristic characterize charge charity chart chase cheap check cheek cheese chef chemical chest chicken chief child childhood Chinese chip chocolate choice cholesterol choose Christian Christmas church cigarette circle circumstance cite citizen city civil civilian claim class classic classroom clean clear clearly client climate climb clinic clinical clock close closely closer clothes clothing cloud club clue cluster coach coal coalition coast coat code coffee cognitive cold collapse colleague collect collection collective college colonial color column combination combine come comedy comfort comfortable command commander comment commercial commission commit commitment committee common communicate communication community company compare comparison compete competition competitive competitor complain complaint complete completely complex complicated component compose composition comprehensive computer concentrate concentration concept concern concerned concert conclude conclusion concrete condition conduct conference confidence confident confirm conflict confront confusion Congress congressional connect connection consciousness consensus consequence conservative consider considerable consideration consist consistent constant constantly constitute constitutional construct construction consultant consume consumer consumption contact contain container contemporary content contest context continue continued contract contrast contribute contribution control controversial controversy convention conventional conversation convert conviction convince cook cookie cooking cool cooperation cop cope copy core corn corner corporate corporation correct correspondent cost cotton couch could council counselor count counter country county couple courage course court cousin cover coverage cow crack craft crash crazy cream create creation creative creature credit crew crime criminal crisis criteria critic critical criticism criticize crop cross crowd crucial cry cultural culture cup curious current currently curriculum custom customer cut cycle dad daily damage dance danger dangerous dare dark darkness data date daughter day dead deal dealer dear death debate debt decade decide decision deck declare decline decrease deep deeply deer defeat defend defendant defense defensive deficit define definitely definition degree delay deliver delivery demand democracy Democrat democratic demonstrate demonstration deny department depend dependent depending depict depression depth deputy derive describe description desert deserve design designer desire desk desperate despite destroy destruction detail detailed detect determine develop developing development device devote dialogue die diet differ difference different differently difficult difficulty dig digital dimension dining dinner direct direction directly director dirt dirty disability disagree disappear disaster discipline discourse discover discovery discrimination discuss discussion disease dish dismiss disorder display dispute distance distant distinct distinction distinguish distribute distribution district diverse diversity divide division divorce DNA do doctor document dog domestic dominant dominate door double doubt down downtown dozen draft drag drama dramatic dramatically draw drawing dream dress drink drive driver drop drug dry due during dust duty each eager ear early earn earnings earth ease easily east eastern easy eat economic economics economist economy edge edition editor educate education educational educator effect effective effectively efficiency efficient effort egg eight either elderly elect election electric electricity electronic element elementary eliminate elite else elsewhere e-mail embrace emerge emergency emission emotion emotional emphasis emphasize employ employee employer employment empty enable encounter encourage end enemy energy enforcement engage engine engineer engineering English enhance enjoy enormous enough ensure enter enterprise entertainment entire entirely entrance entry environment environmental episode equal equally equipment era error escape especially essay essential essentially establish establishment estate estimate etc ethics ethnic European evaluate evaluation even evening event eventually ever every everybody everyday everyone everything everywhere evidence evolution evolve exact exactly examination examine example exceed excellent except exception exchange exciting executive exercise exhibit exhibition exist existence existing expand expansion expect expectation expense expensive experience experiment expert explain explanation explode explore explosion expose exposure express expression extend extension extensive extent external extra extraordinary extreme extremely eye fabric face facility fact factor factory faculty fade fail failure fair fairly faith fall false familiar family famous fan fantasy far farm farmer fashion fast fat fate father fault favor favorite fear feature federal fee feed feel feeling fellow female fence few fewer fiber fiction field fifteen fifth fifty fight fighter fighting figure file fill film final finally finance financial find finding fine finger finish fire firm first fish fishing fit fitness five fix flag flame flat flavor flee flesh flight float floor flow flower fly focus folk follow following food foot football for force foreign forest forever forget form formal formation former formula forth fortune forward found foundation founder four fourth frame framework free freedom freeze French frequency frequent frequently fresh friend friendly friendship from front fruit frustration fuel full fully fun function fund fundamental funding funeral funny furniture furthermore future gain galaxy gallery game gang gap garage garden garlic gas gate gather gay gaze gear gender gene general generally generate generation genetic gentleman gently German gesture get ghost giant gift gifted girl girlfriend give given glad glance glass global glove go goal God gold golden golf good government governor grab grade gradually graduate grain grand grandfather grandmother grant grass grave gray great greatest green grocery ground group grow growing growth guarantee guard guess guest guide guideline guilty gun guy habit habitat hair half hall hand handful handle hang happen happy hard hardly hat hate have he head headline headquarters health healthy hear hearing heart heat heaven heavily heavy heel height helicopter hell hello help helpful her here heritage hero herself hey hi hide high highlight highly highway hill him himself hip hire his historian historic historical history hit hold hole holiday holy home homeless honest honey honor hope horizon horror horse hospital host hot hotel hour house household housing how however huge human humor hundred hungry hunter hunting hurt husband hypothesis I ice idea ideal identification identify identity ie if ignore ill 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