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I am 36 years old, make $66,900, live in Portland OR and work as a Data Coordinator.

Section Zero: Background
Hello all, happy hoildays! I stumbled upon this subreddit not long ago and have enjoyed the commentary and experiences everyone's shared. Wanted to add another perspective from a mid-30s first-gen American. I've had some missteps regarding careers and finances, but I feel like I'm in a slightly better place now. I tried YNAB in the past but I wasn't consistent enough with it. These days I use Mint to monitor my finances and have a "Finance Friday" each month to review all my accounts and spending. I currently live with my partner TJ and his dog RR. We do not combine finances, but he has been unemployed since March. I have helped him with some bills and basic necessities here and there until he finds his next job or career.
My current financial goals are to just maintain a status quo and not get any debt until pandemic times are over. Then I will focus on a house remodeling fund and savings for taking care of my parents.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances? My parents taught us about money from a frugal perspective. They are immigrants who worked in food service/factories. There was always this “save save save” mentality. Even when they started their own small business, we saved like there was no tomorrow. In high school, my calculus teacher bought us all “The Millionaire Next Door” book and had us read it as an assignment - that was my first structured introduction to finances.
Did you worry about money growing up? No, there was always food on the table and a roof over our heads. I knew that our extended family would support us if needed.
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it? Yes. My dad didn’t finish the high school-equivalent in their country, while my mom did finish high school, but no college. My older and younger siblings took a different path in life after high school. I am the first and only in my family to graduate from college. My parents covered all tuition for my two bachelor degrees with the agreement that I support them fully during their retirement and send them gifts/extra money whenever I can. I feel very lucky and privileged that they were able to provide that education for me.
At what age did you become financially responsible for yourself and do you have a financial safety net? 24 when I went on a work holiday abroad. My family was always available to help when needed, but the experience abroad helped me stand on my own feet. As an adult, I also inherited that “save” mentality and put a lot of my earnings towards savings. I didn’t date until my 30s, lived frugally, didn’t go out to eat/hangout with people, shopped thrift stores, and had very few hobbies. I am starting to “live a little” now though.
Do you or have you ever received passive or inherited income? Aside from the tuition, my parents have helped with a down payment for my first house and living costs during periods of unemployment.

Section One: Assets and Debt
Retirement Balance
If the place I was working at offered a 401k, I would always contribute up to the company match. I started my IRA in my mid-20s and would try to contribute the yearly max. I've stopped that the past 2-3 years though. My Other Brokerage is some play money, but I got tired of staring it and switched to index funds. I haven't contributed anything to it in a few years.
Equity if you're a homeowner
Purchased my first home for $382,000 with 20% down, right before lockdown earlier this year. Perfect timing, right?? I plan to live here until my retirement. My parents contributed $15k while I used most of my savings for the rest.
Savings account balance: $3,073
Checking account balance: $7,800
Credit card debt: I charge everything on my credit card for the points, then pay it off each month using my checking account balance.
Student loan debt: Traditionally no student loan debt as mentioned in Section Zero.

Section Two: Income
Income Progression (listed as gross income with cost of living area):
High School
College and first “career” job
Mental health break
College (again) and second “career” job
Third “career” jobs

Main Job Monthly Take Home:
Monthly Net (paid bi-weekly): $2,758
Deductions:
Side Gig Monthly Take Home:
No side gigs at the moment, but I am thinking of signing up on Upwork.com and doing Excel/data entry projects to help pay the mortgage.
Other Income: TJ’s friend will be staying with us for a month in January, who will pay rent of $800 including utilities. Depending on how that goes, we may take on a roommate in the spare bedroom long-term.

Section Three: Expenses
Mortgage - when I bought the house, the plan was that I would charge TJ a portion of the mortgage costs as “rent”, but since his unemployment I am now covering it all myself.
Regular Monthly Payment: $1677.57
HOA: $30/year
Retirement contribution: Nothing additional than what's been mentioned.
Savings contribution: I used to do $50-100/month, but since COVID I’ve stopped contributing to my savings account.
Investment contribution: None at this time.
Debt payments: $100/month towards TJ's credit card balance of $2,307.
Donations: $10-20/month, usually towards Omaze or Planned Parenthood.
Utilities:
Cellphone: On my parents plan.
Subscriptions:
Gym membership: Pre-COVID I did Orangetheory for a year. I started to pick up free exercise equipment from Craigslist this year, so we have a small garage gym now and utilize YouTube exercise videos instead.
Pet expenses: $10/month. TJ has stockpiled some Costco canned dog food before unemployment, but once that runs out I will likely cover the costs. We also started to make homemade dog food to help supplement.
Car insurance: $460 every 6 months. Car is paid off.
Regular therapy: I will start in the new year. Not sure what the costs are yet, but I will use my HSA to pay.
Vitamins/Medications: $20/month
Groceries & household items: $75/month
Miscellaneous (eating out, house purchases, gifts, etc): $100/month

Section Four: Money Diary
Monday
6:30am Neighbor starts up their truck. We joke that it's our natural alarm clock. They idle for about 15 minutes before heading off. I go back to bed.
9am My real alarm goes off. I put the electric kettle on for some morning tea. While it's boiling, I do my morning routine: drink glass of water, take synthroid, use bathroom, brush teeth, quick shower. I then make tea - Jasmine Pearl English Breakfast with dark forest mix. I started ordering loose leaf tea in large amounts back in March instead of small bags or single serving packets. Seems more economical since I drink it daily. I let the dog out into the backyard so he can do his morning routine.
9:30am I go through my daily tasks for work. They entail checking processes and reports to make sure they ran successfully overnight. I then answer some emails and catch-up on Slack channels.
12pm Lunch is leftover roast chicken and quinoa from Saturday. I heat it up in the instant pot. Love that thing! Almost every meal of ours involves the instant pot. We hardly use the stovetop. We then walk the dog to the business park across from our neighborhood. There's a very short trail that runs along a drainage creek by the business park. It's quite muddy, but has a nice woodsy feeling. Over the summer, we saw sumac trees there as well. Free sumac spice!
1:30pm Department meeting on Zoom. Our director announces his resignation on the call. Everyone is shocked! Layoffs were announced for next year but this was not a part of it. I think it's a good move for him and he doesn't have to have this worry of layoffs over his head.
3pm I meet with an engineer from another team and talk about a data source they are in charge of. He helps me out in understanding it and we identify most of the fields that I need for a project I’m starting.
5:30pm I check in with my partner. He's been watching LinkedIn tutorials on internal recruiting, job coaching and general computeoffice skills. It's a career change that he wants to make - something where he can talk to and help people. He doesn't have a bachelor's, only an associates, and hopes these tutorials will get him a leg up in the job search. I sent him some entry level HR admin roles the other day and remind him to apply. I then heat up leftovers: homemade chana masala and rice. I add some butter and coconut milk to thin it out, so there's enough for both of us.
10:30pm I take some magnesium, vitamin D and Airborne. I say goodnight to the dog who sleeps in the office. Then I say goodnight to TJ. He sleeps in the spare bedroom on weeknights due to his snoring keeping me up. I'm a light sleeper while he is a pretty deep sleeper.
Daily total: $0
Tuesday
9am I check Reddit Secret Santa. My match seems like a really good person. Not sure what to get, but most likely will purchase something off their wishlist. I wish I was more creative with my gift giving.
11am Meeting with business stakeholder. She submitted a few changes to an existing data process about a month ago. I make the change while on the call and have her test. Success! Marking it off the todo list. I love when we can finish things directly on a call.
12:30pm I come out of my office to make lunch. I notice my partner is not home. I check my messages and see that he's stepped out to pick up a few things. I ask for celery, carrots, and kombucha. $17. I make a quick charcuterie board for lunch: Costco salami, cheese, homemade hummus and Triscuits. It's a simple, fast meal that’s always in our rotation.
2pm My partner is back and we take the dog out for a walk and quick round of disc golf at a nearby park. We mask up and play only a few holes. Disc golf is a pretty frugal activity, you only need 2-3 discs to get started. TJ remarks that my throws are getting better, but then again they weren't great to start with. We talk about Christmas/Birthday gifts on the way back home since he was born on New Years Day. He mentioned snowshoeing but asked to not spend that much. I'll do some research!
5pm I think about personal career projects. Should I put up a portfolio of projects somewhere? I decide to try and pull some Yelp data. There’s not a lot of data points that I was interested in. Regardless, I tinker with it for an hour. TJ asks if I'm hungry. I said not so much, but felt thirsty. Maybe some ginger soup tonight?
7:30pm Dinner is served - ginger carrot soup made in the instant pot. We eat some rice crackers with it. Lately I feel like we've been eating more vegetarian dinners. It definitely helps stretch our food budget. We end the evening by finishing Fargo season 3 on Hulu.
Daily total: $17
Wednesday
1:30am I'm woken up by the dog. He's been sneezing a lot and wheezes at random intervals. TJ doesn't have the money for a vet visit but I've offered to pay as long as he calls to make the appointment. I give the dog some coconut oil, rub his belly until he seems better and go back to bed.
7am Garbage day. We usually put it out the night before but I forgot. I get up to go, but TJ handles it. I think, at least. I'm too sleepy to pay attention and go back to bed.
9am I wake up and rinse some dishes that have piled up and put them into the dishwasher. We both grew up in households that had a home dishwasher, but forbade from using it. It was drilled into us that hand washing saves more water, unless you had a restaurant/industrial dishwasher. I think with modern home dishwashers, that's changed, so I wanted to try it out with our dishwasher and monitor the water bill. Don't have any dishwashing pods or powder, so I put some OxiClean in it.
12:30pm I overhear TJ on a call with a recruiting agency. It seems to be going well, lots of laughing. I heat up some taco lasagna that I freezer meal-prepped last month.
2pm Collaborate on a project at work with an engineer. My manager put me on this project since I was asking for an assignment on a more technical team. I'm learning tidbits here and there, but I don't feel like it's structured enough.
5pm I do an Orangetheory-At-Home workout and try to break a sweat. It's not the same as going to their studio.
6pm Charcuterie for dinner. Our fridge is full of store-bought and homemade pickles that go super well on a charcuterie board.
Daily total: $0
Thursday
7am I wake up tired. The house has been feeling more cold, which woke me up a few times. We keep the temp at 72F during the day, at night around 68F since we thought the bedrooms keep the heat in pretty well. My mistake!
9am I do my usual morning routine and login to work. My team mostly spends the morning sending each other emojis.
11:30am Lunch today is mini quiche, frozen chicken and veggie entree, and hot dogs. Not the most cohesive meal, but it fills the belly.
12:30pm TJ heads out to his mailbox that's 30 minutes away. He is still waiting on his tax return and a 401k withdrawal. His taxes had to be filed by mail for some reason, then the IRS office shut down due to COVID. So he wanted to see if it arrived yet at the mailbox. He also takes the dog to the vet's urgent care on his way. They didn't have any regular openings available until the end of the year, and the dog seemed to be getting worse. I give TJ $40 to mail a gift package to a friend in France and also reiterate that I'll cover the vet bill when he gets it.
4:30pm I pay some bills, my favorite activity (not)! Sewer bill: $59.44 (billed every 2 months). Geico bill: $459.60 billed every 6 months. Then I follow up with my mortgage officer over email. I had sent her some documents for a refinance quote last week, but haven't heard back. Rates keep dropping, so I'm told, but what does that really mean? I do some research on realestate.
5pm TJ messages me and says he'll be back for dinner. I ask him to pick up some Popeyes via drive thru since we both don't feel like cooking today. Popeyes is currently our fancy “going out to eat” food. $24.17 for a 4pc dinner meal and a 2pc dinner meal.
Daily total: $583.21
Friday
8:30am Busy morning at work. My phone is buzzing with emails and Slack messages. I try to answer them while I make tea.
10am Zoom Department happy hour. We reminisce about our director and then play those Jackbox party games. Some of them are hard!
11am TJ asks if he can make me anything for lunch. He suggests savory oatmeal, quick and easy. I tell him that I really appreciate him making meals/doing chores/etc without me prompting. We've been having conversations about "house project management" and mental load because I did most of the chores or I had to continually remind/tell him to do it. I'm really happy to see us progress on this front. I decide to work through my lunch break so I can end the day early. I don't often do that, but I'm ready to get the weekend started.
2pm I check on TJ in the spare bedroom and ask if the dog has been fed yet, since he was nipping at my feet. I notice something off about TJ and ask how he is doing. TJ is depressed about his personal life, career, finances. He doesn't know what to do, spends half the day meditating and reflecting on past trauma. I've been prodding him to get a therapist but he is confused about his insurance. He makes an appointment with a primary care doctor first. I feed the dog some homemade dog-friendly beef stew.
4pm My mom swings by the house (but doesn't enter). She currently works at a school who distributes free USDA food boxes since March. There's often many boxes leftover that would go to waste, so she will grab a box for us. Onions, potatoes, beets, turnips, eggs, cheese, butter, frozen veggies and frozen chicken. She also brought her vintage pasta maker. I asked last week if she ever used it these days and her reply was “no, feel free to have it”. I love pasta and noodles and figure it would be great to make it ourselves as a frugal hobby.
8pm We catch up on Mandalorian and watch silly Youtube videos before heading off to bed.
Daily total: $0
Saturday
9am I open up my web browser and look at Craigslist and NextDoor for free stuff. I've been scouring for free landscape rocks, pegboards, and wood for house projects. I had this grand ambition to redesign our backyard. It faces our neighbor and currently the fence is pretty low. They can see into our kitchen and bedroom and we can see them. But y'know, COVID and going from dual income house to single income means it all has to be put on hold. So I've been looking for free items in the meantime. Over the past months, I've gotten planter pots, plant cuttings, a raised bed, stepping stones, all from free listings. I don't see anything worthwhile so I go and make some tea.
11am I look at Amazon and make some purchases for Reddit Secret Santa. A foodie kit, DVD of their favorite movie, and some cute pens for their writing hobby. $54. I hope they like it!
12pm TJ heats up leftover stir-fry for lunch for us. I put on some Binging with Babish and we watch how to make pasta. We have a plan - TJ makes the pasta, I make the sauce. Perfect date night activity at home. We watch some more videos on pasta and noodles to educate ourselves.
4pm I start prepping veggies. Big batch of onions, canned tomatoes, ground beef and butter in the instant pot. Meanwhile, TJ works on the pasta by following Babish's instructions.
7pm We gorge on fresh made pasta and bolognese sauce. It's so good! We end up watching Fargo.
11pm Usually I'll be in bed by now, but it's a Saturday and not tired yet (probably because of all that pasta). We play some Kirby's Dream Course on the Switch.
Daily total: $54
Sunday
10am Quick walk around the neighborhood with the dog. He's on a new routine now with the medicine he's taking. It seems to be helping his breathing issues.
11am The pasta maker and flour is still out since we didn't clean up yesterday. There's some old pie crust in the fridge so I roll it out with the pasta machine for mini quiches. (Sally's Baking Addiction blog is my go-to place for her all-butter crust and quiche recipes btw). TJ helps by mixing up the eggs.
3pm I play some Genshin Impact (GI) on my phone while TJ plays Starcraft in the office. I don't usually play gacha games, but the Zelda BotW-style of GI appealed to me. A gacha game is a game with randomized characteitem boxes that you use real-money to purchase a “pull” or to spin the wheel. I know the gacha parts of the game can be a real money sink if you get addicted to them, it’s almost like gambling. My main team is Fischl, Bennett, Barbara and Noelle. I level up to AR 22 and look up free-to-play tutorials for the game.
6pm There's some leftover pasta from yesterday, enough for both of us. I throw in some roasted beets to round out the meal. We watch more Fargo while eating. Almost done with Season 3!
10pm I find a tour operator who offers a small, socially-distant snowshoeing tour up on the mountain. I reserve for two people - this will be TJ's Christmas/birthday gift. $75. Off to bed for another workday.
Daily total: $75
Weekly Total: $689.79
Section Five: Reflections
Aside from the car insurance bill, this was a typical week for me, COVID or not. We make the majority of our meals at home and usually splurge on drive-thru/delivery once every other week. I may have overspent on the Secret Santa gift, but I don't often give gifts out to friends. It's not something our family does either. For TJ’s Christmas/birthday gift, we usually talk upfront about costs. I’ve gifted him fancy restaurant experiences the past 2 years, since we can share that experience, but obviously can’t do that now. Snowshoeing is a nice change of pace.
The conversations with TJ this week have given me thought on how to approach him differently about finances and working together in a relationship. I’m still unsure about the future financially, particularly as my parents near retirement age and that TJ has pulled out his 401k to pay his debts. I don't know if I can support both my parents and TJ together, so I am finding ways to upskill and/or side hustles without becoming a workaholic or bogged down by stress.
Writing this money diary was also the first time where I really paid attention to my past income and current income. I might be contributing too much into ESPP that could go towards the 401k or mortgage instead? I also seem to have been underpaid for what I did in past jobs, even in a LCOL area.
submitted by throwaway_md_182481 to MoneyDiariesACTIVE [link] [comments]

Day 1 of Quitting- My story into gambling addiction

Hi everyone,
This is my first post so bare with me. It may be long so don’t feel compelled to read it.
I am 26 years old and in the midst of the Pandemic, I have been working from home since March. Before September, I would never have thought of myself having a gambling addiction. I remember being on a cruise when I turned 21 and put $20 in a slot machine and lost it and was so angry and disappointed in myself.
Then in September I kept seeing this ad on Instagram for an online casino. One day I succumbed and decided to sign-up because they had a $30 signup offer. I thought, ‘Hey what’s the harm?’ I wish I could go back and slap myself and say don’t do it.
I play through the free $30 and won $500. My whole body felt electrified. That went away when I realized there were wagering requirements (I have never been in/involved with casinos so I had no idea). By the time I met the wagering requirement, I had $75 of withdrawalable money. Still excited I made $75 for free I went to withdrawal, but found out the minimum withdrawal amount is $100. So I kept playing and eventually lost it. I wish I learned my lesson that this will be the reality most of the time.
For a bit of background, before this I was in a decent financial state. Pretty good job for someone my age, lived alone in a nice apartment, had some credit card debt, but overall manageable. I have some mental health problems (Bipolar and anxiety disorders) but received treatment and relatively stable compared to my early 20s.
As the days went on I couldn’t stop thinking about seeing that ‘big win’ flashing on my screen and kept thinking to myself, ‘that $500 could have been mine if I didn’t have that $30 bonus’. So, I decided to deposit $20 and bet low on the same game and won nothing. I felt sick like I did on the cruise.
This particular online casino gives you $1 every day, so for the next week I just played but $1 and won some, but not enough to withdrawal. About a week later, I got an email from the casino saying if I deposit $50, I’ll get an extra $50 with no wagering requirement. The thought of depositing $50 was crazy to me so I just deleted the email and continued with my free $1 a day. After about a week of that, I get another email, deposit $50 play with $200. I scoured the fine print and I only had to play through the extra $150 once, then any winnings I can withdrawal. I still hesitated until Friday night where I had a couple drinks and decided to go for it. Back then, I would say this was one of the most fun nights of my life. I kept landing the ‘fireshot’ feature and winning mini and minor jackpots. At the end of the night I won $1200 USD (I’m from Canada so it would be about $1500 CAD).
My body was so full of excitement I could barely hit the withdrawal button. When I did, I found out they had to verify my account and I had to send in the required documents. After I researched if this was standard for online casinos and researching this casino, I sent in my documents. I went to bed happy, and already had plans on what I was going to buy/pay off with this win. Unfortunately I was too excited to sleep. So I log back in and miraculously (at least to me back then), my $1200 was still there, and playable. So I thought why not play a few more rounds with a higher bet to get an even bigger win? Big mistake. By 3:00am, I was down to $100. I forced myself to stop so I could still withdrawal something. After about a week or two, I resisted playing/betting more and when I logged into my online banking and saw the $120 deposited, I think that’s when my addiction started.
I was no longer satisfied with my free $1 everyday. I started just depositing $20 here and there. On my lunch break or in the evening when I was bored. Then $20 turned into $50 and $50 to $100. After maxing my credit card with no significant wins, I decided enough was enough. And stopped for the rest of September.
Most likely because I had researched so much about online casinos, I had more ads than ever tempting me. One night again after a few drinks, I joined a different online casino. This one was completely different, with better games, a level up feature where you get to spin a wheel after each level and win free spins, cash back or free money, I was hooked again. I put in $50 and lost and was completely broke. So I patiently counted down the days until I got paid. I also sold about $500 worth of video games/consoles I didn’t want to sell, but did to have more money to gamble with.
On payday, I set an alarm for 4:00am when my pay is deposited. This was the first real sign to myself I may be becoming obsessed, but brushed it off. I deposited $100 and won $200. Same story, I had to verify my account but this was done within hours, and I got my money in two days VS a week and a half with my first casino. Stupidly, I put the $200 back in and lost it. I was back to being broke after only two days of getting paid. By the weekend, my credit card payment posted and in my eyes, I had money again.
That night I won most of what I lost back and learned my lesson and withdrew it. When I saw that sum deposited into my bank account, I was ecstatic. I first paid off my credit card I was using to make the deposits, and went out and bought AirPods Pro. I felt rich (even though the win was less than $1000). That evening I wanted to play again, but I had no money. This was the night I learned I could cancel a bill payment within 24 hours. Which I did. And played through all my winnings. Words can’t describe how disappointed I was in myself. I was broke. Credit card maxed. And the only thing I had to show for it were the AirPods. The next day I tried returning them but they wouldn’t accept the return because of their return policy on headphones. I vowed to myself to never gamble again, wrote a note in my phone describing what I was feeling so I could read it if I was ever tempted. That week I fell into a depressive episode. I couldn’t afford groceries, lied to friends and family for not spending time with them because I feared they would want to order food, I didn’t want to admit what happened, so I isolated myself.
That week was what I thought was the hardest. I just stayed in bed signing up to every casino out there for free spins no deposit sign ups to try to fill the void but you never actually win anything on no deposit spins. Finally, my good friend asked what is going on and I immediately bursted into tears and told her I was broke, and my credit card maxed. We work at the same job, and long story short, are both getting $5000 in retro pay because of a expired union contract. She told me she would lend me $5000 now, and I would give her my retro money when we get it in February. This was one of the kindest things anyone has ever done for me. Reluctantly, I decided to accept this kindness and we worked out a budget on how I would not let this happen again. Here’s the thing, and I will never forgive myself for, I didn’t tell her all this happened because of gambling. I was too ashamed and embarrassed.
Life was somewhat normal again for a couple weeks until one night I decide to just put in $100 and see if I can win some of what I now owed my friend back. After $500 lost, those same feelings came back, but worse since I felt I betrayed my friend’s kindness, and that this isn’t the first time this happened.
Fast forward to November - I won again (not nearly enough to recover my losses), paid my credit card and cancelled the payment, lost it all again. Then towards the end of November, my $1000 for rent sitting in my savings account kept calling my name. I have never ever been in a position where I would risk not affording rent, but my addiction was stronger and I lost $500 of it. I had about a week until my rent was due, I had nowhere to turn, I couldn’t ask my friend for a loan because in her mind, and from the few times she asked, I was sticking to my budget. My new way of handling stress was gambling, so I put another $100 in and won $600. I was saved and again vowed myself to never put myself into this position again and ‘quit’.
Now it is December, I guess this is my rock bottom. Not nearly as bad as some people’s, but here it is. I took out another credit card for ‘emergencies’ since my main one is maxed. I was good, and didn’t use it except to buy a few groceries which I swore I would pay off on payday. My mental health declined, and I deposited $100 and lost it. Then another $100. Lost it. Made another ‘promise’ to myself to stop and I did until last night. I now owe $1,000 on the new credit card, and my main one is now in a negative balance because of a subscription.
I am a liar, I take advantage of people’s kindness that I didn’t deserve in the first place, and now in more credit card debt than I know how to deal with. All I can wish for is I’ve learned my lesson. That the money I lost I will never get back, and to find some way to fill the void gambling has left in my life. After only the first day, I don’t know what will give me that feeling of excitement, the feeling of being alive. I had all my casino accounts deleted this morning, but I know there are more out there, I just really hope I can stop myself from ever going back on this path.
If you made it this far thank you for reading. If you have any suggestions on what I can do to not relapse, and any hobbies or activities that can fill the void please let me know.
submitted by evguy789 to GamblingAddiction [link] [comments]

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Some Simple tips for CD devs to make CP2077 feel more alive in upcoming DLCs (Please read)

First off, this game was an aesthetic treat and compared to GTAV, it is indeed much more "dense" with the core areas so much more beautiful in that regard... But no game is perfect, nor is it realistic in this decade to expect a full "city simulator" for any dev or in any game, so that's not what I'm expecting out of Night City not even under the most ideal of circumstances... That said, there are plenty of room for improvement, bug fixes sure, but also beyond that I'd like to see more in the upcoming DLC's that make NightCity more alive, not even necessarily newer and larger maps, but just practical added-elements and additional functional components that would go a long way towards making the city appear more 'alive', and immersive and dynamic and all that was illuded to but never fully manifested...

So in terms of most bang for buck and the low-hanging fruit (80/20 principle):

In real life there is a sense of interconnecitivity and permanance... NightCity doesn't have this and is just a disconnected Hodgepodge of static elements that have no effect on one another... for example I should be able to balance the transportation cost of getting to work versus the career path that I want and the amount of money I'm making and taking into account my net worth... it wouldn't make sense for me to accept an entry level position that requires hours of commute every morning when I'm living on the other end of town... and on the otherhand if I'm processed to a VP making bigly bucks I can afford to take the automated air taxi every morning to work in central business district and still live outside by the beautiful beachfront property etc... likewise a downturn in the economy will affect my company and I could get laid off or no bonus for the year, or if I'm working a gig job that is seasonal then come spring I wouldn't need to find a second side gig to make up for the loss of income... and all of that ties into what kind of loft I can afford, what kind of car I can buy/lease/rent and the food I can eat (tv dinner vs fine dining) and the cloths that I can put in my back which affects the sort of women on the street that I can radnomdly hit on and get intro interested into d going on a date with me etc etc etc... its all interconnected and has a continuation that affecst so much more than just mindless NPCs spawning and despawning right in front on my eyes...

#TRANSPORTATION
1) Bring back (or rather develope for the first time) the promised subway system... this shouldn't be that hard to do... it would add an element of connectivity of the different parts of the city... Leave fast travel as an option, for those that want to ride the train shouldn't be forced to use loading screens
2) Air taxi(s) -- in the age of Telsa self driving cars, hyperloops, drone taxis we should have plenty of automated air taxi options in the world of CP2077, basically like the taxi hailing component in GTAIV (Liberty City) except the player can hail an air taxi that lands close to where he is standing, he gets in, and then chooses any destination and it automatically flys him to the location, while allowing him to look out the windows and enjoy the night city from above / higher perspective... this is simplier than simply giving the player ability to fly hovercars/etc since an air taxi is just from point to point and its trivial to code a system that flys the player from any point in the city to any other point without crashing into any buildings... we've seen NightCity from the ground, now lets see it from the sky!
3) Rented transporation -- user pays to be able to rent jet packs, hoverboards, scooters at different locations in the city so he can use a public transportation but on a personal level... for the jet packs cap a max height so that its still basically hovering at or around slightly above ground level, giving the user the discretion of travel but not allowing him to fly or scale above buildings etc... this requires money to rent and if the equipment is damaged, lost, stolen or not returned properly the users bank account will be deducted for the amount ( see #ECONOMY)


#JOBS/CAREERS/WORK/EDUCATION/GIGs
Ability to work a day job to earn steady money and climb a career ladder by taking courses or going to school at night... ability to go on the nightcity job boards or online to hunt and interview for other jobs... to change industries and do other jobs... to participate in the Gig economy... like drive around in some version of ubereats delivering food or packages to people... or a corporate desk job thats basically on the computer all day... for corporate day jobs the game should give the user the ability to fastforward just like he can go to bed and fast forward for eight hours etc....

#INTERIORS
1) Skyscrapers with observation deck -- in every major city there is a theme like this, take Seattle for example you can visit the tallest building in Seattle downtown and go up on the obs deck and see the city view from high above, I would say incorporate some options like this where user can enter some of the taller buildings in NightCity, ride up the elevator to the higher decks and see the city from that view... maybe even add a floor with fine dinning where user can take a friend/date/group to the restuarant and eat while enjoying watching the scenery of the nightcity below etc...
2) All major buildings enter-able (is that a word? lol) with at least a ground lobby.... right now most of the buildings are just fake exteriors, nice to look at from the outside but completely fake and empty with no insides... Due to system restrains its not practical to simulate every room of every floor of every building in nightcity with furnished interiors and real windows and all that... but at least make the first floor /lobby area of every large and major building enter-able so that the character can walk in and out of them... for certain buildings you may want to make a working/functional lobby elevator that leads to an underground garage and/or allows the user to ride the elevator to above ground higher floors of the building... or have the elevator only allow certain floors to be accessed and furnish these floors with realistic settings/environment and this can tie in nicely with the job/work/career paths discussed in #ECONOMY section with gives you the office space to put a number of companies in which the user can find and switch jobs and work in corporate paths etc... for example allow the user to customize and decorate his own "office/desk", and if he has a window office, then that would provide another unique view/scenery of nightcity from above ground perspective, one that can only be gotten from working at that particular company/job, and gives him an incentive to work late to see the city from nighttime while burning the midnight oil:)
3) Multiple apartments, the user should be able to pick and choose from a vast selection and array of living arrangements and this necessities a lot of hotel/condo/apartment options which means these buildings need to have interiors and furnished and environments fully built out...


#ECONOMY
1) Ability to find and work a job, with multiple career paths and with ability to move up in the corporate world... this provides the user with a steady stream of income for which he can use to buy fancier cars, to move into newer and better apartments /condos etc.. and to buy fancier items like designer cloths and the suches... not to mention to spend on fine dinning in high end restuarants which can tie in nicely with going on datings, impressing women with luxury cars and expensive meals and "date nights out" at elaborate events.... basically there has to be a purpose and meaning to making more money, and the process of making more money has to be derived from a job or work or career of some sort as the main component...
2) Have a real economy with unemployment, inflation, commodity prices, and all of that impact and influence and affect the user in his everyday life... for example if a major terror event or pandemic causes the Nightcity to suffer an economic depression for a few months then its possible the company that the user is working at has to lay off people and he gets canned and has to downsize to a smaller apartment, loses his girlfriend/wife, and then has to find another lower paying job and stuck in the downward cycle for a few years until he is able to win the lottery (#GAMBLING/SPECUTLATION/BETTING) or his luck somehow changes...
3) Everything should cost money, it costs money to rent an apartement and it should also cost money to eat and drink... basically he user has to spend money to eat otherwise he will starve to death... and the user has to keep paying rent every month for whatever apartment he resides otherwise he gets evicted and could even become homeless and have to live in one of those nasty tents in tenty city or under a highway bridge etc etc
4) Grocery stores, restuarants, movie theaters, hotels, and shopping malls... There should be at least a few convinennce stores, shopping malls, restuarants and other retail places spread throughout nightcity, this is a component and element of the economy as well as a means for the user to spend all the hard earned money he worked towards... for example if you give a homeless a few bucks he should be able to use it to spend at a store on the corner to get something to eat and then that makes him happy because he is no longer so hungry... there should be a tie in for economy, money, and the ability to exchange that for goods and services (barber, tatto artists cough cough) and associate these goods and services to emotional feelings of happiness and satisfication for both the user /player and the NPCs...


#SEASONS

There should be a distinction between autumn/fall, spring, summer, winter etc... This gives a big cycle sense of passage of time that cannot be simulated with the current day/night cycles along... in the winter the sun should rise and set at different times/angles than the summer...

In addition, I'd like to see an accurate night sky map/ stars. NightCity takes place in SoCal, its trivial to map the nightsky for the year 2077 in the SoCal area... even in the latest Flight Simulator 2020 the stars are now accurate at night...

Ability to choose LIVE weather based on current user location (see Flight Simulator) so say its raining in Dallas Texas where a user is playing, then in NightCity it will match that and we raining in the game as well... also ability to customize weather on-the-fly in real-time (see Microsoft Flight Simulator 2020) and have that instantly change in the game without reloading...
Along with seasons I'd like to be able to see holiday celebrations for example Christmas time espeically... I want to hear holiday music and see buildings decorated with Christmas lights and the jolly spirits of it all... Think the ambiance and environment of say Polar Express, bring that alive to Night City for Xmas...


#MINI GAMES and other Microcosm

There is a "Go" board in Chinatown... but its fake... and the players aren't even attempting to play Go... See what Google Deepmind did with AlphaGo, Facebook made an OpenGo that they open sourced... there is also LeelaZero and KataGo free AI engines that have already been trained using deeplearning/machineAI to be far better than the Go masters... the same applies to Chess by the way... but I didn't see a Chess board in Night City yet... in any case all these board games the computer AI can now master... make these games playable in NightCity, so the user can watch two NPC's play a round of Go/Chess/etc (Ai vs Ai) or can join and sit down and take a seat and play against an NPC a real game of Go/Chess, (or in the future if CP gets a multiplayer than humans can play against one another etc) basically a microcosms and games-within-a-game....
Spotify/Netflix/youTube integrations... I'd like to see the user have a portable/personal mp3 player or app on his virtual smartphone that allows him to link to his personal -reallife- spotify account to listen to music while in the game... also on the TV screens at home to be able to watch netflix movies while in this virtual apartment chilling with his date/friends... and things like YouTube integration would be nice... maybe even pornhub integration....
Other simple games like darts, bowling and even toys like RC cars or DJI drones... give the use the ability to fly drones (check out DJI Simulator) or operate rc model cars etc... basically toys that he can buy at electronic stores or corner outlets that he can then use these toys in real life for any variety of enjoyments... this also ties into #ECONOMY and why its important to have a good job /career that pays good money!

#GAMBLING/SPECUTLATION/INVESTMENTS/BETTING
Have some form of virtual casinos in the game, NightCity reminds me of Vegas, yet not one slot machine and not one means to gamble or bet? How about the ability to play the stockmarket, bitcoins, and make bets and well as go gambling, cards, poker, etc this not only provides a form of entertainment but also gives the user a way to quickly win / lose a lot of money and for the risk takers they may wish to invest their money in high risk high reward speculative stocks in the stock market instead of immediately spending it on a new apartment, new car, new tech gadget etc etc... this would also tie back to #ECONOMY since the more the user earns the more income he has to spend on gambling/stocks and the better the economy does the higher his stocks return on investment...

#ROMANCE/RELATIONSHIPS
Should be able to court any pretty woman on the streets, to walk up to her and say hi and have a path/chance to a dialogue that leads to setting up a first date... and following that if it goes well can progress to more dates and evetnually her moving in with the user and eventually even having a kid, getting married, and the works... each female NPC should have a male preference and a threshold of compatiblity... so that for example if on the first date the guy is cheap and takes her to low end resturant, doesn't have a nice car to pick her up with, and otherwise seems like a low life then she wouldn't process/continue with him... whereas if he is already established with a multimillion apartment, supercar, takes her to most expensive restuarant in NightCity, then I could see her going back to his place on the first date and maybe even getting pregnant right then and there that night etc...
submitted by AscendChina to cyberpunkgame [link] [comments]

Merit Casino Review For You Know Better About Merit

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https://preview.redd.it/ojx9zsy5j6861.png?width=1450&format=png&auto=webp&s=8cd3277648e0c8cc7047bc0bcda348924adaa67a
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Boomerang Casino 200 No Deposit Free Spins Bonus Code

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BOOMERANG CASINO BONUS

The Boomerang Casino deposit offer can be unlocked by all new customers. Using the 100% bonus, you can enlarge your balance up to €500. Supplementary to your bonus funds you are also able to get 200 Free Spins . €20 is the minimum required amount, that you can deposit making use of payment methods like Paysafecard, Visa or MasterCard. Depositing with Skrill and Neteller is not an option if you want to receive this offer. When initiating a deposit of €500, you get the highest bonus and then can utilize a total amount of €1.000 for playing. You do not have to add a bonus code.
After finishing your deposit your bonus is automatically credited to your account within a short time. If you decide not to make use of the bonus you are able to reject it later. Your cash funds will be utilized initially, followed by your bonus funds. Yggdrasil, iSoftBet and Elk Studios are some of the the popular game studios from the present portfolio, that you can try out with your bonus money. Claiming multiple deposit offers concurrently is not possible at Boomerang Casino
Before you have the possibility to withdraw your scored amounts, wager the bonus and the deposit 30 times. Moreover, turn over all winnings which you scored with the Free Spins 40 times. Carrying out a payout before you fulfilled the wagering criteria causes the termination of your bonus. Boomerang Casino does not set a time limitation for the turnover conditions, which means you can take time to complete them.
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BOOMERAND CASINO PROMOTIONS

On top of the deposit bonus further offers, i.e. a cashback bonus and daily offers, are forthcoming for existing players at Boomerang Casino. The conditions for these offers, however, may vary from the ones linked to the welcome bonus, which means you should go through them before you grab any bonuses. At Boomerang Casino becoming member of a loyalty program is not possible. However, VIP players are offered faster withdrawals, personal service agent or individual promos & bonuses. As an existing user participating in slot tournaments is possible every week. The best participants of those tournaments can benefit from cash and points.

OUR CONCLUSION

In conclusion, newbies and skilled customers alike can experience a varied brand when signing up at Boomerang Casino. With a count of 42 popular game providers, the casino has a diverse selection of games. In addition, every user should find a payment option that suits his requiremends as all common payment options are provided. On top of that, after the registration as a new player claiming generousbonuses will be an option. Find out yourself by signing up at Boomerang Casino.
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SpinAway Casino - free spins, no deposit bonus, promotion

SpinAway Casino - free spins, no deposit bonus, promotion

SpinAway Casino Gratis Spins and Free Bonuses
Join SpinAway Casino and receive 100 free spins and €1000 in welcome bonus. Plus, benefit from daily free rounds, cashback, no deposit bonuses and promotional codes for free bets. Check it out!
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WHAT’S THE WELCOME BONUS AT SPINAWAY CASINO?

While I have no doubt that players will have access to a full suite of bonuses in the near future, currently they have to make do with an extensive welcome offer.

Welcome Bonus

New starters can grab a 100% Bonus up to $500 with 100 Free Spins on Starburst thrown in on top. But that’s not all, SpinAway Casino has chosen to also reward you on your second and third deposits like this:
  • Second deposit gets you another 100% Bonus up to $500
  • Third deposit gets you a further 100% Bonus up to $500
Once you make your first qualifying deposit, you’ll receive 10 Free Spins straight into your account every day for 10 days.There are a couple of other things you should keep in mind. Firstly you should know that a minimum deposit of $20 is required to claim any deposit bonus. Also, wagering requirements of 30x apply to both the Bonus Cash and the Free Spins before a real cash withdrawal can be made.When wagering with a Bonus or Free Spins, the highest single bet is capped at $5.00. You need to use up your bonus within 30 days. Keep in mind that deposits made from Neteller, Skrill, Paysafecard and ecoPayz are excluded from the welcome offer.

Other bonuses at SpinAway Casino

Probably a clear mark of Spin Away’s ‘fresh’ status, the welcome offer is where things stop. However, judging by the rest of the sire,

How to claim bonuses at SpinAway Casino?

In order to claim the Welcome Bonuses you must select the bonus in the cashier when making an eligible deposit. For any other bonus, follow the insstructions set by Spin Away.
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WHAT GAMES ARE AVAILABLE AT SPINAWAY CASINO?

With a name like SpinAway, it’s a no-brainer that there should be a vast library of Slot games to choose from. And there certainly are plenty of Slots on offer. Luckily, there’s also plenty of everything else too.You’ll find entertainment from the likes of NetEnt, Microgaming, Yggdrasil, Play’n GO, Evolution Gaming, Big Time Gaming, Thunderkick, Relax Gaming, Pragmatic Play, and many more.

What Slots can I play at SpinAway Casino?

There are almost 800 different Slot games on site, so you’re certainly to find just what floats your boat. Play top titles like Book of Dead, Starburst, Sweet Bonanza, Thunderstruck II, Wolf Gold, Fire Joker, Gonzo’s Quest, Mustang Gold, Jammin’ Jars, and many more.

What Progressive Jackpots are available at SpinAway Casino?

While you’ll be able to occupy yourself with a few Jackpot games, there are only a small handful of these on offer at Spin Away Casino. On the plus side, this should make your decision-making process fairly simple. Choose to play Progressive games like Divine Fortune, Mega Joker, Beast of Wealth and about five others.

What Table Games can I play at SpinAway Casino?

The Table Game range is just about as well rounded as the Progressive Jackpot range. With just about 10 games to choose from, players will have to content themselves with Blackjack, European Roulette, Jacks or Better, French Roulette and a couple others.

Can I play Live Dealer Games at SpinAway Casino?

The live dealer section of Spin Away Casino is probably the best part of the site. That’s largely because the site has chosen to partner up with the brilliant Evolution Gaming. You can play all sorts of traditional Table Games like Baccarat, Blackjack, Three Card Poker, and Roulette. However, you’ll also have access to Evolution’s trademark novel games like Lightning Roulette, Crazy Time, Dream Catcher, Monopoly Live, and Dragon Tiger.
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WHAT ARE THE WAGERING REQUIREMENTS AT SPINAWAY CASINO?

There’s a certain degree of confusion here. While the terms under the welcome offer stipulate wagering requirements of 30 x, the general terms and conditions claim that they’re just 25 x. I’m inclined to base my reasoning on the 30x wagering requirements, that way players are prepared for the worst.Not all games contribute 100% towards wagering requirements. Different types of games contribute different percentages towards wagering requirements:
  • Slots: 100%
  • All Jackpots: 0%
  • All Live Roulette and Live Blackjack: 10%
  • All other Live Casino Games: 10%
  • All table games: 5%

Are the wagering requirements high?

No. I would say that the wagering requirements at Spin Away fall right into the bracket of what’s considered reasonable. You’ll need to put in some work to meet the 30 x threshold, but it’s very manageable.
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HOW TO DEPOSIT AND WITHDRAW MONEY AT SPINAWAY CASINO

Spin Away Casino accepts multiple currencies including EUR, CAD, INR, NZD, USD, NOK, KRW, YEN, THB, and ZAR. This is good news for players who can get started without any worries about hidden fees.

What banking options are available at SpinAway Casino?

The options for making a deposit at Spin Away are Visa, MasterCard, Interac, MuchBetter, ecoPayz, or Bilibit (for Crypto).When it comes to withdrawals the options become more limited. Players can choose from Bilibit (for Crypto), Bank Transfer or Interac e-Transfer.

How to make a deposit?

Please note that the minimum amount of deposit is $20. The maximum amount of deposit depends on the payment method you decide to use, but it’s either C$5,000 or C$10,000.

How to make a withdrawal?

The minimal amount for withdrawal is $20 or $30 if you want to use Crypto. The maximum amount for withdrawal depends on the payment method you decide to use. If the requested amount of withdrawal exceeds the limit of a particular payment system, the amount will be withdrawn in installments. While withdrawals are processed as soon as possible, some payment methods can take up to five banking days to process the withdrawal request.The maximum withdrawal amount in a single transaction is $5,000. This will be something of a disappointment for big-budget players, particularly when they find out that the restrictions spread to a $16,000 weekly limit and a $50,000 monthly limit.

IS THERE A VIP OR LOYALTY PROGRAM AT SPINAWAY CASINO?

There isn’t a loyalty program or VIP scheme in place at Spin Away Casino right now. But keep checking in, as one might very well pop up down the line after the site becomes a little bit more established.
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HOW DO I CONTACT SUPPORT AT SPINAWAY CASINO?

The FAQ section, available after login, is packed with helpful information. But if you need answers to a question that the FAQs don’t cover, Spin Away Casino also supports you with 24-hour customer support.You can choose to leave the team an on-site message, which works exactly the same as Email. Alternatively, you can opt for Live Chat, where you can instant message a support agent and have a chat about any issues.

What’s the best way for Players to get in touch with SpinAway Casino?

Both options are a great way to fix a problem. But if your query can be explained in just a few words, then you’re probably best off reaching out through Live Chat.
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SHOULD PLAYERS SIGN UP AT SPINAWAY CASINO?

My main concerns with this online casino are the withdrawal limits it places on players, which will only be a problem for high rolling players. If these points don’t put you off then you’re likely to enjoy everything SpinAway has to offer, from the generous welcome offer, to the exciting selection of games. If you’re still on the fence then wait a couple months until SpinAway has spun itself more of a reputation.
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BetPat Casino - free spins, no deposit bonus, promotion

BetPat Casino - free spins, no deposit bonus, promotion

BetPat Casino Gratis Spins and Free Bonuses
All new players to BetPat Casino get no deposit free spins and free cash bonus after deposit. First off, enjoy 150 free spins on new video slots from Netent, Play n'Go, or other popular gaming software. Next, get a 100% match bonus on the first deposit and 100 extra spins on top! Have fun!
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BetPat Casino Welcome Bonus

You’ll get an amazing welcome offer of a 100% bonus up to $300, plus 150 free spins on the popular slot Book of Dead. You’ll need to activate your bonus within your bonuses section before making your first deposit. In order to claim you’ll have to deposit at least $10 in your first transaction. Your spins will be allocated as 50 immediately after making your deposit and another 50 per day when you log in for the next two days. You’ll need to meet wagering requirements of 35x your deposit and bonus before you can withdraw.

Promotions Offered by BetPat

BetPat loves promotions so there’s always something to look forward to here. You can visit the promotions section of the site when logged in to find out all about these offers, or make sure you’re signed up to marketing emails so that you get the latest offers delivered straight to your inbox. These exciting promotions include weekend bonuses to make the best days of the week even better, seasonal promotions for special occasions like Christmas and Halloween, tournaments where you can wager on your favourite slots for a chance at your share of huge prize pools, as well as special free spins offers where you can get started on new releases with up to 100 free spins!
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Game Variety at BetPat

BetPat offers games from several dozen online slot providers. These include all of the big names like Microgaming, NetEnt and Play N Go, as well as a lot of different smaller providers. This means that you’re guaranteed the very best quality gameplay, as well as a huge variety of different slots that you might not have played before.
All of the most popular slots are here, like the much-loved Book of Dead, Starburst and Immortal Romance. There are also new titles added all the time, so you can enjoy the latest releases like Royal Lotus, Golden Tsar and Hoard of Poseidon. Amongst the hundreds of games, you’ll find dozens of different themes like fantasy, adventure, animals and classic fruit machines. In terms of volatility, most games hover around medium and most also allow you to view this information before you start playing.
While enjoying your favourite slots, look out for special features! Some games have bonus rounds where you can increase your winnings, some offer free spins and some have lots of different ways to win.

Return to Player Percentages at BetPat

As is expected at all online casinos, the RTP (amount of money staked on a game that should theoretically return to players over time) varies depending on the game you choose to play. You’ll find that most of the slots here are around a medium RTP, but there are some that really stand out with a high RTP. These include Blood Suckers (98% RTP) and Big Bad Wolf (97.34% RTP).
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Progressive Jackpots

Progressive jackpots build up more and more over time, so if a jackpot hasn’t dropped in a while, it’s likely to be huge! Some jackpots must drop every day, while others tend to build up to huge amounts, over a longer period of time. At BetPat, there are 12 different jackpot slots where you can try for a big win. Most of these jackpots are relatively small, around three figures but under $1,000. Nevertheless, a win on one of these would still make you feel lucky!

BetPat Desktop / Mobile Experience

Top of the morning - this is one truly Irish online casino! BetPat is all about shamrocks, rainbows and of course the quest for that elusive pot of gold. You’ll have a fun mascot called Pat guiding you through your experience here. You’ll find that everything here reflects the Irish theme - from the graphics, to icons, to the colour scheme.
The layout is easy to understand. You can view your balance at the top of your screen at all times and with just one or two clicks you can be on your way to making a deposit, updating your account details or viewing your bonuses and promotions. Your loyalty level is also displayed at the top of the screen - as you deposit and wager enough to move up the loyalty levels you’ll earn additional loyalty points.
Use the quicklinks at the top of the screen to move between the casino, live casino and sports sections. Within the slots section, you can refine by category like popular slots, new titles and jackpots. Additionally, you can refine by different game providers or search for games by name.
If you’d like to play on mobile, there’s no dedicated app at the moment, but it’s super easy to play using your usual browser on your mobile device. Whether you choose to play on iOS or Android, via a mobile phone or tablet, the experience is just as good as if you use a desktop. The site is still easy to navigate and all of your favourite games are optimised for use on your smaller screen. Play in landscape mode to make the most of the HD visuals.
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Registration at BetPat Casino

Signing up for your BetPat account couldn’t be quicker or easier. Simply fill out the form on the homepage - you’ll just need your email address, password for logging in and mobile number. You’ll then receive a link via email which will allow you to verify your account so that you can start playing. The sign up process here is much quicker than a lot of other online casinos.

Depositing and Withdrawing at BetPat

You are able to use a number of different methods to deposit and withdraw when using BetPat. You can use an e-wallet like Neteller, Skrill, AstroPay, ecoPayz or Jeton, or the prepaid Paysafecard. Alternatively, use your bank card. The minimum deposit amount is $10 and the maximum is $1,0000.
You can withdraw using all of the same methods, or via a bank transfer. You’ll need to withdraw at least $20 per transaction and the maximum amount here is $5000.

BetPat Betting Limits

As is the case with all online casinos, the betting limits here vary greatly depending on the slot you choose to play. Most slots start the stakes at 10c or 20, but the maximum value varies from $20 to $100. You can play live casino games from 10c up to several thousand euro and table games are available from $1 upwards.
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BetPat VIP Program

If you’re a loyal player, you might just be selected to become a VIP. The team will be in touch directly and if you’re a member you can expect special VIP treatment including exclusive, enhanced bonuses, promotions and offers that are only available to BetPat’s top players.

BetPat Customer Support

BetPat is lacking a full FAQs section, but there is information on the homepage and across other landing pages, covering topics like payments, bonuses and promotions and responsible gambling. If you have any additional queries, you can get in touch with the customer support team. There are two UK phone numbers which Irish players can contact, or alternatively, you can choose to fill in a form directly on the site under the help section, or get in touch via email. There’s also a live chat function but it’s a little difficult to find as it’s hidden in a collapsible menu - this is definitely the best way to get in touch with support.

BetPat Responsible Gambling Features

As BetPat is a reputable and trusted online casino, they have a responsibility to promote and encourage responsible gaming at all times. You can visit the responsible gaming section via the footer of the site and here you can find out more about the signs of problematic gambling as well as the tools and features available to you as a player. BetPat allows you to set loss limits to limit your maximum losses - you can reduce your loss limit immediatelyproblem while increasing the limit takes 48 hours to take effect. If you’d like to self-exclude in order to completely block access to your account for a specified amount of time, or permanently, you can get in touch with the customer support team via email.
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Our Verdict

If you think you’re as lucky as a leprechaun, BetPat is the place for you! The Irish theme keeps the experience fun and lighthearted and the overall site look and feel is welcoming and encouraging. While you play, the leprechaun mascot, Pat, will guide you through this totally immersive experience. We love the huge variety of games, the great promotions and the feel-good atmosphere.
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Jackie Jackpot Casino - free spins, no deposit bonus, promotion

Jackie Jackpot Casino - free spins, no deposit bonus, promotion

Jackie Jackpot Casino Free Spins and Welcome Bonus
Join Jackie Jackpot Casino and receive an exclusive welcome bonus! New players qualify for 100 free spins on Starburst, Gonzo's Quest, or other popular NetEnt slots. Also, get a 100% match bonus on your first deposit. Click on the bonus link below and claim free rounds now!
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Jackie Jackpot Casino Full Review

Introduction

Jackie Jackpot is a great online casino to play at with a high reputation rating, where you can expect to have a very enjoyable and pleasant online gambling experience. In our full review, we took casino's player rating and reviews, license, mobile friendliness, customer support quality, types of deposit and withdrawal, win limits, and other factors into consideration.
JackieJackpot is recognizable to many for actor Tomas Villum’s face across the casino. Villum is a casino enthusiast and he promotes the casino in a very subtle way. It is completely safe and one of the most relaxing and comfortable casinos. The latest encryption technology provides security and fairness ensuring that sensitive data is transferred securely over the Internet to the casino’s secure server. In addition, the casino guarantees that their games are fair as they use an industry standard random number generator.

Excellent Choice of Slots and Games

Jackie Jackpot Casino is home to various slot machines and casino games put on a simple, relaxing background, accompanied with pleasant graphics and great usability. This mobile-friendly casino specializes in video slots and live casino games. Players can dive deep into a pool of over 300 Jackpot casino games, including:
  • Starburst
  • Fruity Friends
  • Koi Princess
  • Jack and the Beanstalk
  • Roulette Royale
  • Roulette Pro
  • Video poker
New games are added regularly to this jackpotcasino to keep the thrill going. Popular titles include:
  • Thunderstruck
  • Book of Dead
  • Lost Island
  • Legacy of Dead
  • Victorious
  • Dead or Alive 2
  • Flowers
  • Avalon
  • Wild Panda
Jackie Jackpot also has a live casino where you can play Roulette, Baccarat and Blackjack with real dealers.
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Promotional Offers at Jackpot Jackie Casino

All new players are welcomed with a generous 100% match up bonus up to 200€ and 100 free spins. The 100 free spins can be used in a course of three days.
  • You will get 20 free spins and a 100% match up bonus the first day
  • 40 free spins the second and the third day
  • In order to claim the full bonus, you need to deposit 10€ each of these three days.
  • Both, match up bonus and free spins, have a 35 x wagering requirement, which needs to be fulfilled, for you to gain the funds
  • Bonus Offer: 100% Welcome Bonus Up to €200 + 100 Free Spins

Jackie Jackpot Loyalty Program

From the moment you start playing at Jackpot Jackie Casino every bet counts! The reward points you earn are converted into free bonus cash, unlocking new exciting benefits as you climb up the VIP ladder. The more you play, the more chances of winning you have.
There are 7 tiers to the VIP program, with players starting off as New before rising to Bronze, Silver, Gold, Platinum, Premium and finally Prestige. As you unlock new levels you get entitled to higher deposit limits, quicker cash-outs, birthday bonuses, free games on Sundays, personalized offers and a monthly cashback.
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Jackie Jackpot Mobile Experience

The mobile-friendly online casino welcomes players to their mobile version of the site which is available to use without downloading the app. This makes for a pleasant gaming experience, given the majority of users are gambling online from their smartphones.

Jackie Jackpot Payment Methods

Deposit / Withdrawal Methods
Bank Transfer, Visa, MasterCard, Bank Transfer, Klarna, Trustly, Skrill, Skrill 1-Tap, Neteller, ecoPayz, PayPal, Rapid transfer, Giropay, Interac, EasyEFT, AstroPay card, Much Better, Euteller, Zimpler, EPS, paysafecard, Instadebit
Withdrawal Duration:
  • Fastest: e-payment - 3 business days
  • Slowest: bank check - 8-10 business days
Withdrawal Limit 7000€ per month

Conclusion

There are many things to recommend in this Jackie jackpot casino review, especially the quality of the slots that can be played at the site. All of the games can be played for fun or for real money, giving users some serious chances of winning big prizes. Enjoy the upbeat, cheerful vibe of the casino as you dig deeper into the comprehensive VIP program, unlocking new exciting benefits.
Customer loyalty is deeply appreciated at the Jackie Jackpot Casino. The simple design and fine selection of games and slots attracts players from all countries, putting great emphasis on player satisfaction and entertainment in general. There are bigger and flashier casinos that’s true. However, to those who’re not looking for crystal sharp graphics, colourful flashy lights and glittery shines, Jackie Jackpot Casino is a more relaxed and comfortable casino alternative to try.
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Winners Magic Casino 100 gratis spins and 100% free bonus code

Winners Magic Casino 100 gratis spins and 100% free bonus code

Winners Magic Casino Free Bonus Codes
Join Winners Magic Casino and get 100 No Deposit Free Spins right away! Click on the special bonus link to qualify for this promotion. Additionally, you will receive 100 gratis spins and 100% up to 200 euro/dollars on your first deposit. No download needed! Mobile Play OK!
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Introduction

If you are on the quest for some magical wins you might definitely want to give the online casino Winners Magic a try. This casino was established in 2019 and already calls more than 900 games and slot machines its own. Quite a success in such a short time. Owned as a brand by Reward Group ApS, the website has its software powered by Aspire Global International LTD which yet again is a reputable provider of casino fun. This company has its headquarter in Malta and is licenced and observed by the legendary Malta Gaming Authority and their strict regulations. In Great Britain, the casino is licensed by the United Kingdom Gambling Commission. The online casino is available in the languages German, English, Norwegian and Finnish, and players will enjoy the neat design both on the desktop version as well as mobile devices. With games ranging from slots to table games, classics, and more you will find what each and every heart beating with the frequency of casino delight desires.

Winners Magic Casino Slots

Players wanting to enjoy a couple of rounds on High Definition slots have quite an array of games waiting for them here. With Roman Legion, Books and Temples, The Book Beyond, Shogun’s Secret, Book of Queen, Thunderstruck II, Vampire Senpai, Explodiac, La Dolce Vita, Gold Digger, Mystic Force, Cash Noire, Troll Hunters 2, Rally 4 Riches, Neros Fortune and many others the reels are rolling fast and steady. And Winners Magic is also having the Megaways titles upon their sleeve such as Primal Megaways and that is the real deal when it comes to reeling.
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Winners Magic Casino Games

Putting a focus on the very source of joy – the games – we have an amazing selection of them supported by a broad variation. Starting with all-time-classics like Book of Dead, Gonzo’s Quest, Starburst, Bonanza, Wolf Riches, Book of Oz, and Reactoonz you already gathered the proper ingredients to make a foray into games no one wants to miss out on. And that means you have some high-end software providers going by the big names of NetEnt, Play’n GO, Big Time Gaming, 2 By 2 Gaming, SG Gaming, High5Games, NextGen Gaming, Microgaming, Pragmatic Play, Evolution Gaming, Thunderkick, iSoftBet and more making the library sizzling for you. And furthermore, you will find yourself immersed in world-building spectrums from ancient and medieval worlds up to super-modern and futuristic realms. That keeps the casino alive and prevents monotony from even slightly occurring.
Someone with a love for table games is not left to starve at Winners Magic. With different renditions of Roulette, Poker, Blackjack and Baccarat such as Instant Roulette, Black Jack Solo, Atlantic City Blackjack, Blackjack Multihand, Turbo Roulette, Casino Patience, Deuces Wild, Jacks or Better, 3 Card Solitaire among others, the players are immediately able to enjoy the tables at this very online casino.

Winners Magic Live Casino

Naturally, there are also those who want to experience a dose of actual Las Vegas when they play at online casino. Live Casino is the guarantor for something unique. And Winners Magic is offering exactly that with titles and Live Dealers such as Free Bet Blackjack, Infinite Blackjack, Double Ball Roulette, Baccarat Squeeze, Speed Baccarat, Ultimate Texas Hold’em, Side Bet City, First Person Mega Ball, First Person Dragon Tiger, Monopoly, Lightning Roulette, Crazy Time, Deal or No Deal and many, many others. The real life croupiers are already awaiting you to join them.
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Winners Magic Deposit/Withdrawal Methods

Winners Magic is providing the players with a vast array of financial transaction methods. Both traditional and e-wallets. Therefore you can deposit money in online casino by using debit cards such as MasterCard, VISA, and EntroPay but also Online Bank Transfer, Trustly, Skrill, Neteller, PaySafeCard, ecoPayz, Euteller, zimpler, MuchBetter, Payr, Instadebit, PayPal, Wire Transfer, EasyEFT, Interac and others.
The withdrawal is done by using the very same method that was already used for depositing the money. The period it takes to have the money on your own account is varying and can be instant (like with MuchBetter) or up to three days with many other transfers capitalizing on Trustly, Neteller, ecoPayz, and so on. What is awesome is that you can choose from quite an amount of currencies like Euros, Pounds, Dollars, Krona, Pesos according to the method you decide for.

Winners Magic Casino Bonuses & Promotions

Winners Magic comes along with a welcome bonus for new players to stimulate the start into the gambling. In general terms, we are speaking of a 100% match up bonus up to £/€/$200 and an additional 20 spins on the classic slot Starburst for the first deposit. To qualify for this you have to make a minimum deposit of £/€/$10 and the welcome bonus is arriving.
Furthermore, the next two deposits will also be sweetened by Winners Magic. Because you will gain another 40 free spins after the second deposit with a minimum value of £/€/$20 and the same (£/€/$20 minimum deposit and 40 free spins) for the third day after joining. So, for instance, you can start off with depositing £/€/$100 and achieve another £/€/$100 to play with £/€/$200. The wagering requirement is x35 which is among the standard wagers in online casinos. The payout of wins is incoming fast with this welcome deal.
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Winners Magic Loyalty Program

From the first spin you take at Winners Magic you will instantly start climbing up the loyalty ladder to gain specific bonuses and rewards as you do. The levels you can reach are called New Member, Bronze, Silver, Gold, Platinum, Premium, and Prestige as the top of the statuses. How does this work? For every £/€/$40 you bet in Real Money Mode you will be awarded with 1 Reward Point. With those Reward Points you will make progression within the loyalty system. And each and every level there is having a unique Redemption Rate which means that for example, Silver will take 28 Reward Points to redeem £/€/$1 while Prestige is demanding 15 Reward Points for the same.
But what are the benefits? Benefits you can achieve are express cash out, birthday bonuses, Sunday free spins, personal account manager, monthly cashback, live tournaments as well as higher deposit & cash out limits. All that depends on the level of course. Also, it has to be mentioned that the two highest levels of Premium and Prestige can only be reached by a personal invitation.

Winners Magic Mobile Experience

As every mobile-friendly online casino should do, Winners Magic is having a website that is easily accessible via mobile devices just as well. Without the need of a software or app download. The pre-installed browser is more than enough. Owners of Android or iOs devices will find no issues in that regard. The site is simply navigated by using the categories of games for instance or also the search function which lets you research for games using either the titles or the providers of games. The design is done using the dominant color black before a white background and a theme of magic. This makes sure to not overwhelm the eyes by dozens of color impressions. The menu on the left-hand side is offering all the directions you may want to take in the order of exploring the online casino.
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Winners Magic Support and Security

The online casino is dedicated to its slogan CARE (Customers Are Really Everything). That means that their professional customer support team is available the full seven days of the week. In the case of Winners Magic from 8 am to 1 am CET. You can reach out to them via phone, e-mail, Live Chat, and even fax. The Contact Us button will tell you how to do that. The Live Chat on the other hand will pretty much always be visible for you when you browse the site as a button on the right-hand side of every page is providing you with the opportunity to initiate a conversation.
If your question is of a more general nature you can furthermore consult the extensive FAQ section which covers all necessary information about bonuses, depositions, withdrawals, privacy, and so on. To support Responsible Gaming the casino is offering personal limits, cool off phases, reality checks, and total self-exclusion to battle tendencies of gambling addiction. Also, it includes further links to platforms dealing with the problem. And the security and privacy are tackled by utilizing the most recent 128-bit Secure Socket Layer (SSL) encryption technology in order of giving the obligatory safety to data transactions during registration, money transfer, and the like. This is additionally supported by the firewalls which the website is using. Making sure that no data leaks are established.

Overall Experience

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Why 2020 End Soon still lot people play this Lovely Goddess 918kiss Slots

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The harp was customarily the instrument of decision for Greek Gods and here it's the image of decision used to trigger the principle reward include. On the off chance that any 3 harps show up, you win 50x the line wager, however it's 500x for 4 of them and the top prize of 5000x if at least 5 land on the double. There's additionally 15 free twists to follow on, and during these any successes will be increased by 5x from their base worth. Yet, this is additionally the round in which it's conceivable to win a reformist big stake prize, which is yours if Aphrodite fills each of the 20 image positions on the double. The current big stake esteem is appeared over the reels, and it consistently increments with each bet set on this game, over all 918Kiss-fueled online gambling clubs, until it's won. Just players at greatest stakes will guarantee 100% of the bonanza nonetheless, with more modest wagers fitting the bill for more modest rates of the prize. More disperse images will retrigger all the more free games, so you could end up with parcels in excess of 15 opportunities to land some success multipliers, or even that reformist big stake.
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Evo888 2020/ 2021 Slot Game : Extraordinary American Wilds Slot Review

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Comparative Games

On the off chance that you've delighted in playing Great American Wilds opening on the web, try to look at a portion of our #1 comparative games beneath: , American Wild from Intervision Gaming highlights a comparable topic which brings out open spaces, opportunity and wild creatures. There are 1,125 distinct approaches to win here, and those searching for a less unstable title with a comparable stylish may discover American Wild additionally engaging. In the event that you need to encounter the adventure of the wild for chasing purposes you'll feel right comfortable with Playson' Wild Hunter opening. It's a basic five-reel title loaded with Native American symbolism and permits players to encounter the fields from an alternate point of view than Great American Wilds. It's accessible to play on the greater part of the world's well known space club locales.
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Turbo Casino - free spins, no deposit bonus, promotion

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Turbo Casino is from Lux Entertainment Ltd, one of the largest Casino company from Malta. Turbo Casino came into existence in 2018, and its service cut across several countries in Europe. Within the few years of operation, they have built credibility, and coupled with the fact that they are involved in aggressive advertisement, their membership has grown by leaps and bounds, so they are one to reckon with today. They make use of simple graphics that are appealing to look at, and the functions are placed in an area where it is easy to locate. They collaborate with several gaming giants like Microgaming, Evolution Gaming, Amatic Industries, NetEnt, Stakelogic, and Big Time Gaming. No matter your taste for Casino games, you will find one that perfectly suits you on these online Casinos. Different types of slot games, table games, jackpots, and live dealership (that allows players to experience real-world casinos via the Internet) are available here. They also allow players to try any game for free; therefore, newbies can practice well before playing for real money. The supported languages include includes English, German, Norwegian, Swedish and Finnish. Since their maker is already a popular name in the Casino world and the Malta Gaming Authorities also license them, they are credible. Malta Gaming Authorities takes Casinos through rigorous vetting procedures to ensure that they abide by best practices. Players, therefore, need not worry about getting cheated. There is also a dedicated team of online representatives ready to attend to players’ challenges anytime they arise. Players can make inquiries through multiple channels such as email, live chat, and phone calls. The supported payment methods are Neteller, MasterCard, Visa, Skrill, Paysafecard, Sofort, iDeal, and Direct Bank Transfer.
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submitted by freespinsgaming to u/freespinsgaming [link] [comments]

Feeling like im being sucked back in..

My story, short summary: *Started gambling on slots when i was 18 years old Result: Lost my job due to theft, lost girlfriend, lost my sanity (or so i've been told that i was really "cold" emotionally) 8 years later.. *Built up a new debt of 50k$, Won 10k$, and got an inheritance of 40k$, settled my debtsbought a house with my new girlfriend.
Now this next part happened over the next 6 years.. Started rebuilding the debts, only this time i managed to build up a debt of 120k$, and also i built up a debt of 100k$ in my girlfriends name as well Confronted by her & her boss (Who is also/was a gambling addict, although not in debt). She decided to stick by me, as we had two kids at this point, and also she was sure that i would beat this addiction. Result: Started going to anonymous groups, read up a book on how to quit gambling, stayed the course for 6 months - And in these 6 months we got a debt settlement from the government where we pay of our debts during the course of 6 years (3 more years to go), got a new fancy job with good pay, payed more attention to the kids, to my girlfriend, i was a completely changed person she said.
Today.. Being in a debt settlement arrangement means you have very little to live for every month, and i could see it taking a toll on my girlfriend who was at this point over-spending some, and the christmas time was coming, so i decided to give gambling a go (At this point i had been gamble-free for about 1 1/2 years). Deposited 100$, and ended up winning 12k$ on online slots, and told my girlfriend that i had placed a soccer-bet that had won alot of money, she wasnt too happy about it, but very happy that i gave half of the winnings to her making the christmas alot less stressful for her.
I left 100$ left in the bankroll, and today i played some more online slots and i won another 2100$, however this casino does not offer cool-downs or any limits, so i ended up losing the 2100$ chasing any bonus rounds that i might catch to bring my bankroll back up, the bonuses came, but the results didnt, the game was as they say not in my favorigged to lose as all 7 bonus rounds gave little to no winnings, hardly a coincidence.
The 2100$ isnt what bothers me the most atm, what bothers me is i notice that this is taking a toll on my mind, i cant focus 100% on work anymore i end up playing the online slots on my phone during worktime, i start my mornings by playing the online slots, and i spend my evenings in my room or anywhere i can hide to play some online slots. Now, i havent deposited anything more than the 100$, i've just played over several days and lost it.
I need to find my way back to a non-gambling "mind", where everything was just perfect, aside from the fact that we didnt have any money to spare or buy the stuff that other people buy.
What i have done so far today: I have given my girlfriend the command over my bankcards I have sent an email to the casino where i played requesting they close the account permanently I've started reading the book which helped me stop once before.
Im not gonna dwell on the money lost today, as overall, this time i came out on top, aside from what its doing to me mentally.
Gambling is truly evil, and im gonna take this battle head on.
submitted by Nongambler83 to problemgambling [link] [comments]

24Bettle Casino - €5 Free Bonus No Deposit Required!

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7 Melons Casino 7€ free no deposit bonus (Switzerland)

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