Overview
Well, I'm sure everyone has seen the news. The end of MassForTheDead is upon us. I started in early November. After doing all the story quests and some other things I ended up with only 3 5-star people, and sort of quit because the odds were horrible. I can't remember the exact number of rolls, but I saved every single Choas Stone.
I quit around Thanksgiving, it isn't that the game isn't fun, but the odds were horrible and the prices made no sense. I will get into the problems with this game later, but eventually, I started back up before Xmas. I had better luck this time, while I didn't get any xmas people, but I had decent luck getting other 5-stars.
It's a fun game, but it has many problems. As a developer, I somewhat expected it to fail, but I really was hoping that it wouldn't. I actually mentioned many of the reasons behind it in my review on google play. I shared my review with a few others, but I didn't actually make a post about it. However now I guess it's the last chance I get.
I hope that the creators of MFTD see this... because many of these problems I feel almost anyone could come to the same conclusion as me.
NOTE: My language gets a little spicy, do forgive me for not being PC.
Online Only
One of the biggest problems with the game is it being online only. This means that if the game servers are shut down... simply the game doesn't work. Meaning if the game ends in 3 months (like now) everything you have to spend was pretty much wasted. It isn't like steam where you can buy and sell skins or items... you buy a digital product with the potential chance of it being taken away from you at any time.
No one likes this... I would like to blame the devs, but typically it isn't them who make this decision. It's almost always someone higher up, but either way to be honest it was retarded.
It should have been an offline game, are at least playable offline people wouldn't have felt so bad by buying stuff, since they could still use it after the servers are shut down.
Multiple Versions
Having multiple versions of the game is stupid. Simply stupid. It is already hard enough for developers to support Android, Apple, and say the web... but now they need to support Android (jp), Apple (jp), Android (globe), Apple (global).
You rarely see this in western games... However, it is pretty common for Asian games. Rpgs especially almost always get a special global version. My only guess is because of location and language... however you should have designed your app to work with multiple languages. This is web dev 101, you space things out or have scroll bars or cut it off with a popup to give the full name or details. There are tons of ways around this... It's the same story with locations, you should have designed the online game from the ground up to be usable with multiple servers.
I don't want to go on forever about this, but it's basic things. Just add multiple languages, that was it. All you needed to do, yet tons of games every year get a "global" version just for it to die a few years later. STOP IT. Make 1 version, with servers globally. Not enough people in Germany?... shut that server down and move them to another server.
Sorry for the rant on this part, I've played at least 20 games they forced you to play the global version and ended up shutting it down after a year or 2. Honestly, at as dev it drives me crazy they do this. People don't care you have a special ____ holiday or whatever... AWESOME, cool you have a holiday about some cucumber god, ok let us play it, we don't need a second version.
I guess what I'm trying to get at... Crunchyroll shouldn't have been involved in the first place. Maybe as translators, but AAAaaah fuck me dude, why do they keep doing this?
Worse than Gambling...
You buy "chaos stones", which give you a chance to roll for people in the game. Aka gambling, but instead of getting a chance for money, you get a digital item that could disappear at any moment when they shut the game down. At least with gambling, you have a slim chance of getting your money back.
There have been many countries trying to put regulations on loot boxes in games... I'm pretty sure this game would eventually fall into that category. If they are not forced to change it, at the very least they will probably make it 18+ or the local equivalent. Some countries have been trying to force similar taxes onto these types of apps that casinos have to deal with. Potentially they are going to run into an issue with this game because of the random aspect.
They continue to make it worse by having "free" Choas Stones mixed with "paid" Chaos Stones. Honestly, I'm surprised some mom hasn't created a Facebook group about how it's tricking their children. Anyway, I don't care about this, but it is something to note, that this will probably be brought up against them later on.
I know some people will probably argue saying baseball cards, or pokemon cards are similar... however you are getting a physical object. You have it forever, you can sell it, trade it, lick it. It's yours forever. Yes, they are both random chances, but as I explained above... at any moment you could lose it. I could go on with other things, but I'm ranting, so we will leave this here.
Price
... do I have to explain this. The prices are INSANE, let's just forget about it being something you could lose at any moment or the random chance. There are many packs and things for $32.99. Let's look at one. 515 paid stones plus some other stuff. That is 1 roll or ten items... WHAT?!?
Look at any other game, even the MOST money-hungry games like Clash of Clash or Fortnite are 1/4 of this price... and they are games that have been around for years, with tons of content, and tons of game play, and large player bases.
It's like paying $30 goto a movie... or $15 to goto another movie at a better theater, that also in 3d. Don't get me wrong... I LOVE OVERLORD. I love it, I read at least 2 novels a month... but the prices for MFTD are just crazy. Personally, I bought VIP, I think that it's a decent price to support the game and help them developed it... but to be honest for $20 you don't shit. I understand they need to make money, but I 100% guarantee if they cut the price in half, they would more than double their sales. Many of the people reading overlord are younger in high school or college... I can't imagine they are looking forward to throwing down $32 for a roll at 10 cards? (or whatever you call it)... however $16? it far more reasonable. How many of would have bought a "pack" for $16 yet didn't because it was $32?
I'm an old (not really old, 31), and I didn't because it's a ripoff. I just feel like I'm getting bent over around back.
Summary / Horrible
LMAO, guys... honestly this game I love it. I love Overlord, but some of the ideas behind it were horrible. It isn't just 1 of them... but when you add them up all altogether I knew it wasn't going to last long.
What is even worse... they announced they are closing the game down... YET you can still buy shit. YOU CAN STILL BUY DIGITAL ITEMS that will be gone in 2 months. WHAT THE FUCK?!? Am I'm crazy, or is this just me or is this a total douchebag move?
They don't force you to see the notification, nothing pops up... just a quiet little whisper "psst, the game ends April". I will admit, they are at least shutting it down in march... Do they are not a complete scumbag... However, it should have been locked the moment they announced the ending of this game. People love this game, they are dedicated to it. They have spent thousands of hours grinding just to save up for the new stuff coming out next week. I'm sure there are people who just bought stuff yesterday...
What is even worse, I'm pretty sure someone knew about this at least a week ago. I can't imagine some CEO just say, yea I'm done, lets tell them today the game ends. There were meetings, discussions, multiple companies involved... probably a public relations person who spend a day to come up with that announcement.
I'm going to end it here, while I wasn't surprised I wish it continued or was offline as its a fun little game to play throughout the day.
submitted by A couple of weeks ago, I posted a comment in response to a question about ETFs. This question comes up very often; usually two or three times a week. Maybe more than that. Several people suggested that it be "pinned." I obviously cannot do that, however if a mod wants to pin this, feel free to do so. I did make a few modifications and additions to that comment and for those who haven't gone back to see the changes, I thought I'd post it again here. Hopefully, this helps people who are interested in an investing approach that is either made up of ETFs or that includes ETFs as a part of their portfolio.
______________________________________________________________________________________________________
QQQ - This one uses the NASDAQ 100 as its benchmark. Obviously it's an Indexed, non-managed ETF. XTF used to rate this one as a perfect 10.0 out of 10 rating, but recently dropped it to 9.9 out of 10. It has one of the highest rates of return over the past 10 years of any ETF. It does tend to be tech-heavy, especially with the FAANG +M stocks. (Facebook, Apple, Amazon, Netflix, Google and Microsoft). Other top holdings include TSLA, NVDA and ADBE. (The rating dropped recently when the portfolio of the NASDAQ 100 was re-balanced).
VOO/
SPY -
VOO and
SPY are non-managed funds indexed to the S&P 500 Index. These funds are very popular on this subreddit, for good reason. They are well diversified, broad market funds investing in mostly US stocks. XTF rates these funds at 9.6 out of 10 because their return on investment over the long term is somewhat tempered by some of the blue chip stocks in the funds. But those stocks also help reduce volatility relative to some other ETFs. These are solid investments, but keep in mind that in the top 10 holdings there will be a lot of crossover between these funds and other broad market funds that hold US stocks like
QQQ,
VTI,
VGT,
VOOG and
SPYG. There are differences, of course, as well, but you always want to know where those duplications exist.
IWF - This is a Russell 1000 Growth fund. It is one of my favorites that doesn't get talked about much. It does have a lot of crossover with the other funds mentioned above, but the mix is slightly different. Other funds that use the Russell 1000 Growth Index include
RWGV and
VONG. I would describe this fund as more aggressive than
VOO/SPY, less volatile than
QQQ.
VONE and
IWB use the Russell 1000 Index as their benchmark.
SPYG and
VOOG use the S&P 500 Growth Index for their benchmark and would be similar (but not identical) to
IWF,
VONG and
RWGV.
IWM - for someone looking to diversify a little bit, this is a great fund to look into. This fund is a non-managed, indexed fund that uses the Russell 2000 index as its benchmark. The big difference between the Russell 2000 index and many of the the other indexes is that the Russell 2000 index looks at small and mid-cap companies, rather than large-cap companies. Thus, there is zero crossover between this one and the funds mentioned above. While this fund will move up and down with the market, it is often less volatile than the market overall. If you look at the charts, this fund has under-performed some of the other funds over the past few months while the market has been very volatile in an upward direction, but in a crash, this fund would probably outperform the rest of the market. It has a 9.0/10 XTF rating.
VXUS - Vanguard Total International Index Fund ETF - top holdings include BABA, Tencent, Samsung, Taiwan Semiconductors, Novartis, Toyota. This is a broad market fund investing only in companies overseas. I'm not generally bullish on foreign markets, but this one is a very solid ETF with some companies that are likely to do extremely well for the foreseeable future. XTF rates this one a perfect 10.0 out of 10.
EEM - iShares MSCI Emerging Markets ETF - This one is going to have a lot of crossover with
VXUS. It is an Emerging Markets ETF with a lot of focus on China. It includes Alibaba, Tencent,
JD.com, along with companies like Samsung and Taiwan Semiconductors. This one should be a solid performer as long as our trade relations with China remain normal.
EFA - This is another international ETF, but here the focus is mainly on more established companies in Europe and Japan. This is a Large Cap ETF that includes companies like Nestle SA, Roche, Toyota, Novartis and AstraZeneca.
Sector fund ETFs: ICLN/
TAN/FAN - These funds are clean/renewable energy ETFs. ICLN is more broad while TAN focuses more specifically on solar energy and FAN specifically on wind generated energy. I think renewable energy companies are the future. There is no crossover in the top holdings of this fund with the top holdings of QQQ and most of the other broad market funds. Also, these are global, not just US based companies. QCLN and PBW are also renewable energy funds, but they also contain a lot of TSLA, NIO and W.K. H.S. in their top holdings making them "electric vehicle" funds, as well. No problem if you want to add that, but you'll find a lot of Tesla in some of the funds mentioned above.
ARK group of funds:
ARKG,
ARKF,
ARKK ARKW,
ARKQ,
PRNT and
IZRL. These are managed funds investing in companies that invest in disruptive companies in their respective industries. Most posters on this subreddit are bullish on these funds. They are aggressive growth ETFs, but should be considered somewhat risky and volatile.
- ARKG - Genomic Revolution
- ARKF - Fintech
- ARKK - Disruptive Companies (broader market)
- ARKW - Internet/computetechnology (Telsa is a top holding)
- ARKQ - Robotics and artificial intelligence
- PRNT - 3D printing technology
- IZRL - disruptive companies based in Israel
XL series of funds. Similar to the ARK series, these tend to be more aggressive growth funds, however these are passively managed indexed funds with various benchmarks that usually are overloaded in the better companies within a sector:
- XLV - Health Care
- XLK - Technology
- XLY - Consumer Discretionary
- XLF - Financial
- XLU - Utilities
- XLE - Energy
- XLB - Materials
- XLC - Communications
- XLG - S&P Top 50
- XLI - Industrial
- XLP - Consumer Staples
- XLRE - Real Estate
CLOUD COMPUTING: WCLD,
SKYY,
CLOU,
BUG and
XIKT. Of these
WCLD has the best 52 week performance. Top holdings in
WCLD include
ZM,
PLAN,
CRM,
CRWD,
ZEN,
WDAY,
TENB,
PCTY,
DDOG,
BL. Many of these are likely to also appear in
QQQ, however, they would be in very small percentages as the Cap on these companies is much smaller.
Aerospace and Defense: XAR, ITA, PPA
Real Estate: VNQ, FREL, SCHH, IYR, PSR, BBRE
Transportation: FTXR, XTN, IYT, RGI, JETS
Oil/Energy: IYE, FENY, VDE
Consumer Staples: FSTA, VDC, IECS
Media/Entertainment: IEME, PBS, PEJ, IYC
Robotics, AI, Innovative Technologies: THNQ, ROBO, XITK, SKYY, GDAT
Semiconductors: SOXX, QTEC, QTUM, SMH, FTXL
IT: FTEC, VGT, IWY, IGM, FDN
Cyber Security: HACK, CIBR, IHAK, BUG, FITE
Consumer Discretionary: FDIS, VCR, IEDI, JHMC, IYC
5G, Connectivity: FIVG, NXTG, WUGI
Self Driving EV: IDRV, DRIV, MOTO
Gaming/Esports: NERD, HERO, ESPO, GAMR, SOCL
Casinos/Gambling: BETZ, BJK
Online Retail: IBUY, EBIZ, ONLN, CLIX, GBUY, BUYZ
Utilities: IDU, VPU, FUTY, RYU
Health Care: FHLC, VHT, IYH
Medical Devices and Equipment: IHI, IEHS, XHE
Other Unique ETFs, non-sector based: CHGX: US Large Cap Fossil Fuel Free ETF
VIRS: Biothreat Strategy ETF
A nice portfolio might look something like this: 20% - Broad market US fund such as QQQ, VOO or IWF
20% - VXUS - International
20% - IWM - Small/Mid-cap broad market fund
10% each in four sector funds of your choice
I'm not a financial expert or advisor and this is not financial advice, just an opinion from a random internet person. I do own shares in several, but not all of the funds listed above, including QQQ, IWF, some ARK funds, ICLN, VXUS, etc. __________________________________________________________________
Edit: In one of my previous edits, I accidentally erased a bunch of the sector funds. Please feel free to comment with your favorite sector funds and let me know if I forgot to add back some that I had before.
submitted by
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RNG
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This is a great option as it allows people to choose the bonus which best suits them. You can choose between free spins and a deposit bonus – or a combination of both. If you are an avid video slot gamer and do not care much about table games, you may want to slide all the way to the maximum free spins bonus. In that case, you will receive 300 free spins, but your deposit bonus will be 0%. The free spins in the Welcombo package are valid on the popular Amatic Industries slot Book of Fortune.
On the other hand, if you only care about table games and are not really interested in free spins and playing video slots, you want to adjust the slide to the maximum deposit bonus. This is a 100% deposit bonus of up to 200 euro. This means that if you deposit 200 euro of your own money to your newly created online casino account, Whamoo will top this up by another 200 euro from the house! If you select the full 100% deposit bonus, you will however not receive any free spins at all.
Of course, you can also opt for a mix between free spins and a deposit bonus. If you leave the slider in the middle, you will get 150 free spins and a 50% deposit bonus, for example. You can tweak this in any direction you want, for example to a 70% deposit bonus and 90 free spins. The higher your deposit bonus, the less free spins you receive. Want more free spins? Then your deposit bonus will decrease.
Welcombo bonus terms and conditions
Only one bonus is allowed per household and/or per player account. Do note that Whamoo’s bonuses remain valid until seven days after the required deposit has been made. Once this period ends, the bonus is automatically flagged as expired by the system and can no longer be released. The expired bonus funds are then automatically removed from the player’s account.
Of course, there is a wagering requirement which must be met in order to withdraw your bonus money and any winnings which may derive from it. Real money balance is used prior to bonus balance. The bonus balance will only be used when there is no real money available in your account. Only real money funds and released bonus funds can contribute towards the wagering requirement of the bonus. The wagering requirement for the Welcombo deposit bonus and free spins is thirty times (30x) the deposit + bonus.
Do note that players that deposit money using Paysafecard, Skrill or Neteller are not eligible for the Welcombo. To assure fair gaming and prevent fraud, Whamoo has placed a maximum cap on bonus money wagers, which are limited to a maximum per round/bet of €5 or its equivalent in other currencies. You should also be aware that certain games cannot be played using bonus money. There is a full overview of these games on the Whamoo bonus page.
Bets placed in certain games might not contribute fully to the wagering requirements.
- Bets placed on video slots count for 100%
- Bets placed on scratch cards count for 100%
- Bets placed on blackjack count for 10%
- Bets placed on video poker count for 10%
- Bets placed on poker count for 10%
- Bets placed on roulette, baccarat, sic-bo and craps do not count
- Bets placed on live casino games do not count
Recurring bonuses at Whamoo
The bonus fun does not stop at the welcome bonus when you play at Whamoo! You can count on a constant stream of promotional campaigns and bonus offers. The casino has recurring promo offers every Monday, Wednesday and Friday. If you deposit some extra money to your online casino bankroll on one of those days, you are eligible for a bonus. It therefore pays off to wait for these days before you decide to reload your online funds.
On Monday it is Pick ‘n’ Play day to start off the week with some good vibes. On this day, the casino basically tops up your deposited money You can:
- Turn your €20 into €25 with the code 100024;
- turn your €50 into €65 with the code 100025, and/or
- turn your €100 into €135 with the code 100026.
It is even possible to combine these bonuses if you want to deposit a larger sum! Alternatively, you can use the bonus codes of WHPICK5, WHPICK15 and WHPICK35 by putting these into the promo code field on the cashier page every Monday.
Whoa Wednesday
Wednesday is for many a difficult day in the week, it being right in the middle of another long week of work. To spice up things, Whamoo has come with an unusual bonus which it calls “Whoa Wednesday”.
Every Wednesday you get to uncover your secret gift – for free, no strings attached. The casino will add this gift to your next deposit. This can be a bonus, a set of free spins, or even both. You’ll get all the details once you’ve pulled off the cover and logged into your account. You will receive the bonus details and promotional code, which you can use in the promo field at the payment page to receive your hard-earned Wednesday bonus.
Freeday bonus
Friday is the favourite day of the week for many people – and the reason why is quite obvious. It marks the end of another working week and the start of some well-deserved weekend R&R! For many people this involves paying a visit to a land-based or online casino to get their kicks at their favourite game, whether it is a card game, roulette or video slot.
Whamoo knows that many people cannot wait for the days off work to start and therefore has come up with a special Friday bonus to welcome in the weekend! This bonus day is called ‘Freeday’ by Whamoo. The casino basically hands you a bunch of free spins if you are a regular customer. For every weekday from the previous week (Friday through Thursday) that you’ve deposited 30 euro or more, you get 10 free spins. For every weekend day you even get 20 Free Spins! That means up to 90 Free Spins are yours to play with. That’s a great start to a weekend full of partying and fun!
Wagering requirements
Do note that wagering requirements do apply to all daily promo offers. These are more or less the same as we outlined above in the description of the welcome package, but do take a look at the bonus terms and conditions page on the Whamoo website to know precisely what you can expect! As always, it is important to read the small print in order not to face any surprises later on.
>> Get No Deposit Bonus Now << A fully mobile compatible casino
As a brand new online casino, Whamoo knows that already a majority of gamblers nowadays play on their mobile phones rather than on computers. Because of this, the Whamoo casino is fully compatible with mobile devices and tablets. If you load the Whamoo website on your smartphone, it looks just as good as on your laptop of computer. It’s equally accessible and orderly too! The mobile website is a breeze to browse through and you can easily access all the important pages such as the game library and payment page.
The same counts for the actual games themselves. Whamoo only works with software providers which are known to offer full mobile gaming support. These games are made in code such as HTML5, which means that the games can simply be played in your (mobile) internet browser. There is no download or special app required to play these games. Whether you are playing on your computer, tablet or smartphone, you simply surf to Whamoo.com and select your favourite game from the library. This game will then open in your internet browser – and you can play instantly. It does not matter whether your phone runs on Android or is an iPhone, nor does it matter whether you have Mozilla Firefox, Google Chrome, Internet Explorer, Opera, Safari or any other internet browser. Whamoo will function just fine!
This is absolutely great as you can now play at Whamoo wherever you are, whenever you want. Want to put down some wagers on the roulette table while you are sitting in public transport on your way to work? That’s easily doable! Just take out your smartphone on the train or bus, and surf to Whamoo.com to play at your favourite roulette table. Are you sitting on your couch at home and want to play a few hands of blackjack before going to sleep? Just take out your laptop, tablet or phone and within seconds you can have some of the most exhilarating blackjack fun on your screen.
The Whamoo Live Casino
Whamoo’s live casino is powered by Pragmatic Play and NetEnt software – which are two of the biggest, most reputable software providers in the world. This is great news for the players, as you can access high quality tables in just a few clicks.
In the live casino, you are connected with a live video feed to a real-time casino table in one of the casino studios of these software providers. You can play games like baccarat, blackjack and roulette like you are standing in a real land-based casino in Vegas or Monaco! Thanks to the high definition video stream, you have a great overview of all the action which unfolds on and around the table.
All table games are led by experienced, professional croupiers and dealers who are not only well-trained, but entertaining as well. By all means, feel free to open your microphone or the chat window to have a talk with them, or even with other players from around the world. This is what makes the live casino such a great invention. Even though you might be sitting at home in front of your laptop or computer, it does almost feel like you are standing in a casino for real!
Especially for high rollers the live casino is a worthwhile addition as table limits are often much higher than in regular games. Of course, if you are on a tight budget there will definitely be live casino tables where low minimum bets are allowed too – no worries there. But it is the experienced, high stakes gambler who probably feels most at home in the live casino.
There are multiple baccarat, blackjack and roulette variants which you can play. For roulette, there is American Roulette, European Roulette, French Roulette, Speed Roulette, Live Roulette Auto and Roulette Macao Live. If you prefer the casino classic of blackjack, you will find plenty of different tables all with slightly different betting limits. Baccarat is perhaps the game with the highest betting limit. Besides the regular version, there are also Speed Baccarat tables. A fourth casino game which can be played live at the Whamoo Live Casino is Sic Bo. Just browse through the list of live casino games, or use the search function to find your favourite table!
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