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It's time for holiday festivities! In addition, there are big changes to Elite and Boss monsters in this update. There are also revisions to the Ice Magic and Deer skills. And, of course, various other things as well. Read on for more info.
Ri-Shin Celebration
The holidays are upon us! While Alharth doesn't celebrate Christmas, it does celebrate Ri-Shin Day, and New Years' Day. Townsfolk who are your Friends will offer you gifts when you speak with them. (Make sure to have your favorite combat skills active in case they give you a piece of randomly-generated gear!) There's also a Ri-Shin festival waiting to happen in each city and township in the land, but they will need your help getting their trees assembled. Look for townsfolk in festive red Ri-Shin hats to get started. This year, there's also a new way for the community to work together. This is an experiment -- we've never tried anything like this before. You'll receive an introductory quest for this part of the event after you've assembled a few Ri-Shin trees. (If you're a Druid, you'll be briefed immediately upon login.)
High-Level Elite/Boss Changes
As mentioned in the last patch's notes, we're working on making high-level combat take longer. This will eventually include both solo and group combat, but we're focusing on group combat right now. Some of the big-picture details are in flux a bit as we experiment and see what's going to work (e.g. "how many Elites is a tank supposed to be able to handle at once?" answer: "we're not sure yet"). We've been improving the "tanky skills" in preparation for these longer fights, but it's been hard to get good tanking data because most high-level Elite monsters simply haven't needed a tank: a group of players could blast them to death in seconds. So it's time to make Elites live longer and see what happens! In this update, Elite/Boss monsters have a lot more health and armor, and Bosses deal less damage. We'll be watching your feedback (and our combat data logs) to try to figure out where to go from here. We may need to temporarily revert these changes, reduce them, increase them, or add more systems into the mix to address specific problems. Bosses (but not Elites) also deal less base damage than before. The actual amount varies by boss-tier and the bosses' personal stats, so it's hard to generalize, but at level 80 an "average boss" deals about 25% less base damage. Both Elites and Bosses deal less damage with their Rage attacks, also. The median reduction in rage-bonus-damage is about a 40%, but again it's hard to generalize too much. Here's some more details about the implementation.
Prior to level 35, elites/bosses have about the same overall health+armor, but some of their health has been switched to armor as a side-effect of the formulaic changes. This will make them a bit harder, so be careful!
Starting at about level 35, elites/bosses gain more health and armor than before. This increases fairly gradually until level 50, then it starts going up more quickly. By level 80, the total health+armor of most elites and bosses has almost doubled! (And a lot of that increase is in armor, which means the monster has more mitigation for longer.)
Elite/Boss Loot Changes
We've also added some additional rewards for killing Elites/Bosses. When you loot an Elite, you'll now automatically "find some Councils" on the corpse. The amount is based on the monster's level, with some random variance. Bosses also drop extra money in the form of Council Coinpurses. (And bosses with curses drop more money sacks.) Finally, the most deadly tiers of bosses have a higher chance to drop high-rarity gear. (These quick generalized changes were made because we didn't want to revise every monster's custom loot table just yet. But hey, maybe it's fun enough to remain permanent. Let us know what you think after you've had some time to try it out.)
Ice Magic Changes
Ice Magic is supposed to be a versatile wizarding toolkit: it can provide exceptional crowd control, potent survival tools, and decent damage, depending on which abilities you use. Its crowd-control abilities were already top-tier, so we've focused on other aspects of the skill in this update. There's a few nerfs and a lot of buffs. Fire Magic Over-synergy The biggest nerf to Ice Magic is actually a change to a Fire Magic treasure mod:
(Chest, Hands) "Calefaction causes target to take +45% damage from Cold for 12 seconds" => now +16% damage
We realized this mod was overpowered shortly after it was introduced, but it was a "let's wait and see if this is actually a serious problem" scenario. A lot of accidentally-overpowered treasure turns out to be fine, and sometimes an accident like that can really make everything "click" and help define a skill. But not this time. It was hamstringing our ability to make Ice Magic more powerful on its own, so it had to be reduced to a more reasonable level. (And it's still probably the most powerful cross-skill synergy mod in the game.) Cryogenic Freeze Cryogenic Freeze needs to take its rightful place in the Ice Magic survival toolbox. It has TREMENDOUS mitigation, and it's intended to be something of a "freebie" for Ice Mages: it's useful without needing to invest lots of treasure mods into it. The only cost is that you have to make room for it on your ability bar. (And treasure makes it more versatile and useful.) Of course, Cryogenic Freeze has the extreme down-side that you are completely frozen and cannot move. But now instead of a forced 10-second lockdown, you can control the duration precisely.
Cryogenic Freeze now lasts 20 seconds or until dispelled by using the ability again. The reuse timer is 20 seconds, which begins as soon as Cryogenic Freeze ends.
Power cost increased; all treasure effects recalculated in potency
Ice Armor, Ice Veins, and Shardblast Ice Armor has been buffed up a bit. We've also worked to make Ice Veins and Shardblast more useful. You can now use either one to reset Ice Armor's timer, allowing you to immediately put your armor back on. Which, in turn, allows you to take advantage of Ice Armor's healing mods again! This "Ice Armor loop" technique can be very powerful but requires a lot of treasure mods to reach full potential. It's also possible to use Ice Armor in a more passive role, and there are mods to support that style also (such as the ones that boost Cold damage).
Ice Armor: highest tier of ability has slightly higher mitigation (+27 vs crushing, slashing, piercing, and ice), and all tiers now grant extra mitigation from Elites (+54 additional at highest tier)
Ice Veins: power cost and base damage increased. All treasure potency recalculated
"Ice Armor restores 80 Power over 30 seconds" => "Ice Armor costs -19 Power and restores 51 Power after a 6-second delay"
"Ice Armor restores 170 Armor over 30 seconds" => "Ice Armor mitigates +16 Physical and Cold damage, and mitigates +32 more against Elite attacks"
"Ice Armor boosts Cold attack damage +34" => +50
"You regain 44 Health when using Ice Nova or Shardblast" => "Ice Nova and Shardblast deal +61 damage and cost -12 Power"
New treasure (off-hand): "Ice Veins heals +16 Health and resets the timer on Ice Armor (so it can be used again immediately)"
"Ice Veins heals 120 Health over 10 seconds" => 180 health over 10 seconds
Ice Veins is now marked as a Minor Heal ability (making it eligible for equipment that boosts Minor Heals).
New treasure (head): "Ice Armor instantly restores 80 health"
"Shardblast resets the timer on Ice Armor (so it can be used again immediately)" => "Shardblast deals +X% damage and resets the timer on Ice Armor (so it can be used again immediately)" *
Cold Sphere Changes Cold Sphere's old Rage attack (at high level) was a 10-second root. This was too much of a good thing and it's now a 5-second root at all levels. We've tried to make Cold Sphere useful in two different scenarios: for Ice Mages who are using a different skill as their primary damage source, they can invest in Cold Sphere mods to get a bit of extra damage on the side (plus its innate root is always handy). For players who ARE using Ice Magic as their primary damage-dealer, Cold Sphere's damage-boosting mods are often not worth using, but there's a new mod that gives it a Cold-vulnerability debuff. This makes Cold Sphere an interesting (but not mandatory) option for any Ice Mage.
Cold Sphere: increased base damage-boost of all pets level 50+. The "root" effect from their rage attack is reduced from 10sec (!) to 5sec
New treasure (chest): "Your Cold Sphere's attacks deal +24 damage and cause the targets to suffer +12% damage from future Cold attacks (non-stacking)"
New treasure (head, hands): "Your Cold Sphere's attacks deals +170 damage, but their Max Health is -80"
Other Ice Magic Changes Added a bit more damage overall. Nerfed one of Frostbite's mods, but don't be misled: it's still an extraordinarily good debuff. (And it will only become more powerful as combat duration increases! In fact, we may need to tone it down some more later.)
Ice Nova: power cost and base damage increased. All treasure potency recalculated
Frostbite ability: ability base damage increased slightly
"Frostbite deals +154 damage and raises the target's Max Rage by 79%, preventing them from using their Rage attacks as often" => "Frostbite deals +176 damage and raises the target's Max Rage by 33%, preventing them from using their Rage attacks as often"
"Freeze Solid resets the timer on Ice Spear (so it can be used again immediately)" => "Ice Nova deals +110 damage and reuse timer is -2 seconds" *
"Freeze Solid restores 161 armor to you after a 15 second delay" => "Freeze Solid restores 112 armor to you"
One-Tier Mods Changed\* You may notice a couple of asterisks above. Those are treasure mods that previously only had one "tier" of effect. The revised versions add more tiers to each mod, allowing the mods to become slightly more powerful at high level. This resulted in a slight quirk: pre-existing items with these mods are still stored as having the first tier of the mod. This means even high-level items will have the lowest-tier version of these mods. This isn't really a huge deal in terms of potency, but if you want to fix it, you can Transmute the mod off the item and then Transmute it back on -- it will be the appropriate tier when it's re-added. (And this month, Transmutation is cheap for the Ice Magic and Deer skills.)
Deer Changes
The earliest animal forms were all experimental designs, and Deer was originally the prototypical "off-tank" skill. Then we decided that off-tanks weren't useful in a game without raids, so Deer was revised in a few other directions. But the most recent revision made Deer fairly tanky again, so let's build on that. Here's a fresh idea: what if Deer was like an "off-tank"? In old-school MMO terminology, an off-tank can act as a tank for an elite enemy (or multiple solo enemies), but may have trouble tanking some bosses -- although dedicated healers can help there. What makes them unique, though, is an ability to take over aggro for anyone... including a tank! (Hence the name "off-tank", because they can pull monsters off the tank.) We'll try to give Deer that ability and see what it's like. There's new treasure that gives you a new sidebar ability "Feign Injury", which "temp taunts" a target. Temp taunting works like regular taunting, except it decays at a rate of 20% per second. So a temp taunt of +10,000 would be 10,000 Taunt at first, then a second later would be recalculated as 8,000, then a second later as 6,400, etc. So this ability should help Deer get aggro from anyone, anywhere... at least for a few seconds. An off-tank should also have solid taunting and survivability, and deal decent damage. So that's what we'll try to do here. In addition, the Deer skill has always had incredible mobility (which is what makes them an interesting off-tank), and we want to keep that too. Rethinking Deer Pet Deer players can summon an ally deer to aid them. Previously these deer had an innate 300% taunt multiplier and were intended to be sort-of off-tanks themselves, sharing tanking duties with the player deer. We recently gave these summoned deer the benefits of our experimental genetics system, which could randomly give these pets incredible health and armor. Better for tanking! But yet... at high level, a well-equipped player deer can easily out-taunt and out-tank a pet deer. This just feels like an unwieldy design. We've dropped the idea that these pets are tanks, and focused them on damage. They no longer have an innate taunt bonus or souped-up genetics. However, they have higher base damage, and the pet's taunting-related treasure effects have been changed into a damage boost. There are also new treasure mods that summon additional deer for a few seconds at a time. This makes for a fun solo build, although it's somewhat mod-intensive and also pretty chaotic. But a fun kind of chaotic! (For those who don't want chaos, we've also bumped up Deer's more traditional murder methods.) It's useful to know that every attack your pet deer makes is considered a "deer kick". This is relevant for one specific treasure mod:
(Hands, Necklace) "Deer Kick implants insect eggs in the target. Future Deer Kicks by any deer cause target to take 310 Nature damage over 5 seconds"
This mod is unchanged, except that it no longer stacks more than four times: twice for each piece of equipment it can show up on. (That's *not* a limit of 4 stacks of damage, it's 4 stacks of the debuff that applies the damage!) Also, we've reworded the effect to clarify that pet deer can trigger the damage. Removed treasure mods We've tried hard to avoid breaking existing equipment by repurposing obsolete Deer effects with new ones. However, in one place this was impossible. A head-slot mod was removed without any replacement. If you had this mod on a piece of head gear, that item has become "Legacy", meaning it will stop working after a month. You can fix this by using a Transmutation table to remove the mod off of your helm, or you can speak to the Legacy Golem in Serbule to receive a randomly-generated replacement item. (Transmutation of Deer treasure is much cheaper this month, to help you adjust to these changes.) Specific Deer Changes
Doe Eyes: Power cost increased. Ability now resists more physical damage, especially against Elites, and lasts for 24 seconds instead of 10. (At level 77 it now gives 36 mitigation, plus 72 more vs. Elites)
"After using Doe Eyes, your next attack deals +169 damage" => "Doe Eyes reuse timer is -2 seconds, and after using Doe Eyes your next attack deals +190 damage"
"Doe Eyes heals 80 health" => "For 10 seconds after using Doe Eyes, you mitigate +36 from all attacks, and a further +72 from Elite attacks"
Ability "King of the Forest": base damage and Power cost increased slightly; all treasure stats tweaked slightly as a result
"King of the Forest gives you +15 mitigation of any physical damage for 20 seconds" => this effect was available on two slots, but only applied once. This was intentional at the time, but now we're trying to make all treasure mods stack together when possible. New (stacking) version: "King of the Forest mitigates +14 physical damage (Crushing, Slashing, Piercing) for 10 seconds. Against Elite enemies, mitigates +28 more"
"Cuteness Overload heals you for 114 health" => "Cuteness Overload Damage +270"
"Combo: Deer Bash+Any Melee+Any Melee+Deer Kick: final step hits all enemies within 5 meters and deals +100 damage." => deals +240 damage
Summoned Deer no longer have the benefits of the experimental genetics system, but have higher base damage
Summoned Deer no longer have an innate 300% taunt bonus
"Antler Slash has a 50% chance to restore 48 armor" => this effect has been replaced with an entirely unrelated effect. (head, chest): "You can use the Deer ability Feign Injury, and it temp-taunts +11300. (Equipping this item will teach you the ability if needed.)"
(Hands, Feet) "Deer Bash deals +120 damage and knocks the enemy backwards" => "Deer Bash has a 15% chance to summon a deer ally for 30 seconds"
New (ring): "Cuteness Overload deals +160 damage and knocks the target backwards"
New (Head, Necklace): "Pummeling Hooves deals +45 damage and has a 8% chance to summon a deer ally for 30 seconds"
"Antler Slash deals +X% damage" => "Antler Slash hits all enemies within 5 meters and taunts +Y". NOTE: this effect used to be available on two slots, Head and Hands. It is now only on Hands. See above about Legacy items.
"Psychic Mitigation +34 while Deer skill active" => "Psychic and Nature Mitigation +34 while Deer skill active"
"Nature Mitigation +34 while Deer skill active" => "Burst Evasion +8.5% while Deer skill active"
"Deer Kick Damage +85" => "Deer Kick Damage +45 and grants you -10% Fire Vulnerability for 10 seconds"
New: (main-hand) "Combo: Forest Challenge+Any Melee+Any Melee+Any Epic Attack: final step deals +150 damage and summons a deer ally for 30 seconds."
Live Event Token Prize Changes
We've revised some of Riston's special prizes so that they use abilities instead of items. For those that have already purchased a Vendor Fox in a Box or the Small Box of Space, the summoning item in your inventory has been converted to a skill book that will teach you the new ability. This skill book can only be used once, so use caution if you must transfer this skill book to another character on your account. Also with this change, you will have to purchase these items per character now if you wish to have it on more than one character on your account. Other important notes:
Once you learn the Vendor Fox in a Box ability, the ability requires you to have some type of crate in your inventory. Any crafted storage crate and most pet crates (when Animal Husbandry is released) will work to allow use of the ability. The crate will not be consumed. The cool down timer on the ability will reset in 2 real-time hours, but you still need to spend 2 hours in-game before you can use the ability again. (You can see that timer in your effects bar under the effect 'Boxed Fox'.)
Once you learn the Small Box of Space ability, there are no other requirements. Just use the ability to summon your storage box. The cool down timer for this ability has been extended to 90 minutes (from 60 minutes). The cool down timer on the ability will reset in 90 real-time minutes, but you still need to spend 90 minutes in-game before you can use the ability again. (You can see that timer in your effects bar under the effect 'Spaced Out'.)
As time goes by, we will slowly be adding more and more items, abilities and services to the game that will require Live Event Tokens. For this update, we have added a new 50 token prize! Find Riston in the Red Wing Casino to check it out!
Other Changes In This Update
Bug fix: Rabbit: "Bun-Fu Blast deals +80 damage and restores 44 Power after a 9-second delay" => this did not add damage to Bun-Fu Blast as expected
Bug fix: Rabbit: "Bun-Fu Blast deals +78 damage and hastens the current reuse timer of Bun-Fu Strike by 3 seconds" => this did not add damage to Bun-Fu Blast as expected
Flight in-combat: the Power penalty for flying while in combat now has a much higher cap (meaning flying while in-combat for more than a few seconds costs more Power than before)
Added a "quit" button to the login and character-select screens
Fixed AI bug that caused monsters to hate the first attack that hit them more than intended
"Carbon-form Scrutinizer Array" only gave a +5 pathology bonus instead of intended +10 bonus
The visual appearance for Winter Court Murder Armor (level 80 Hardcore armor) did not glow as intended
"Rubgag's Dancing Shoes": sprint buff now only works out of combat
Worked around Unity shader bug that could cause treants to turn into nightmarish blobs of polygons
Fixed bugs that caused "corpse stink" particles to continue emitting after the corpse was closed
READ THIS FIRST: Official Frequently Asked Questions and Answers - Important Up to Date Information You Need To Know about EIDL
\*LAST UPDATED 8/01**)
OFFICIAL FREQUENTLY ASKED QUESTIONS AND ANSWERS FOR EIDL
PURPOSE: This post will be a master thread with everything we have collectively learned on EIDL about the loan and the application process. It will be updated on an ongoing basis and will always contain the most current information. Things change frequently at the SBA with policy and you should check back on this thread on a regular basis. Please post any questions not covered and I will respond and add them here. INDEX OF QUESTIONS:
How do I get in touch with customer service phone support?
What are my chances of being approved for this loan? Can I know in advance?
I received a decline letter for “Business activity not eligible”. What can I do?
How is the loan amount calculated? How can I request a specific amount?
What is the maximum loan amount?
When will I get my portal invite?
I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what?
I understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time?
Does contacting my congressmen or senator actually work?
I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this?
I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late?
Who are you, cue378? Can you help me?
My loan as obligated or already funded, I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it?
How do I show support for the volunteers and moderators for EIDL
I received my portal link, but when I go to create an account it just takes me to the login page. What can be done?
I was declined for "unsatisfactory credit". What are my options?
What documents are required? Will a loan officer contact me?
What is the status of the Advance/Grant program? Can I still get a grant?
What are the eligible uses of EIDL funds?
I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do?
What is CAWEB and how can it help me track my loan disbursement and other status?
1. QUESTION: How do I get in touch with customer service phone support? ANSWER: The highest level of official customer service is known as "tier 2" and can be reached by calling 1-800-659-2955 and asking for Tier 2. (NOTE: As of 5/29 the previous direct number is currently out of service) They are unfortunately, a very limited means of support. They are able to check your application status and see the current "stage" and leave notes in your file, but unable to directly make any changes or escalate anything in a meaningful way. Most are very nice and well meaning people but are usually poorly informed and often provided contradictory information between calls. The important thing to understand is that notes left by T2 do not actually notify a loan officer or anyone, they are simply waiting to be read if someone happens to open your file and takes the time to review the case notes. So if a T2 says they requested a change do not assume it was or will be made. 2. QUESTION: What are my chances of being approved for this loan? Can I know in advance? ANSWER: The loan is relatively easy to get approval for by loan standards. The exact underwriting criteria the SBA is using was leaked by some helpful people (hat tip to u/Sbaleaky) and thus you can have a good understanding what your chances are. Underwriters look for the following: -Minimum Credit Score of 570. They will pull from experian. Close to Vantage 3 model found on nav DOT com or TransUnion numbers on credit karma. They do NOT use FICO. Credit score is largest factor for approval for this loan and no exceptions are made for under 570. -If economic injury was sustained based on formula described in QUESTION 4. If this is a negative number you will be auto declined. (SEE QUESTION 5) The SBA does not consider potential revenue lost or general expenses in the loan amount. -Tax liens or tax issues are NOT a disqualifying factor or taken into consideration for COVID19 disaster. -Business start date must be prior to 1/31/20 -open bankruptcies = Declined. Closed OK. -Arrest for felony < 5 years = Declined -Arrest for misdemeanor < 5 years = Declined -Sole proprietors with delinquent child support > 60 days = Declined -Any business principals with 50% or more ownership with delinquent child support > 60 days = Declined -Your business must pass verification in some way that it is a valid operation. If they can find it on google it will suffice. Otherwise you may have to provide documents to prove it's a legit business. -Your business type must not be on the list for ineligible business activity. See list on FAQ. -All owners on application must be either US citizens or Permanent Residents. E-2 Investor visa is NOT eligible and any attempts to appeal or add a co-borrower who is a citizen or LPR will be unsuccessful. Corporations, Partnerships, and Limited Liability Entities (LLE): Alien-owned corporations, partnerships, and LLEs properly registered and licensed in the state where the disaster occurred are eligible. If any member, partner, or shareholder, owning 20 percent or more of the applicant business is in the USA they must be a qualified alien. If the alien resides outside the USA an exception may be made. 3. QUESTION: I received a decline letter for “Business activity not eligible”. What can I do? ANSWER: EIDL has a list of restricted business categories, if your type is NOT on this list and you still received this letter you may have been improperly classified. The following applicants are not eligible for EIDL assistance.
7-Eleven Franchise Stores, despite what corp office says. (advance is OK)
Lending or Investment Concerns (except for real estate investments held for rental)
Multi-level Sales Distribution (Pyramid) Concerns c. Speculative Activities d. Non-profit Organizations that are not considered a Private Non-Profit
Consumer and Marketing Cooperatives. However, other cooperatives and small agricultural cooperatives meeting applicable size standards are eligible f. Not a small business concern (except for PNP of any size) g. Gambling Concerns. Concerns that derive more than one-third of their annual gross revenue from legal gambling activities.
Casinos, Racetracks, Etc. Businesses whose purpose for being is gambling (such as casinos, racetracks, poker parlors, etc.) are not eligible for EIDL assistance regardless of their ability to meet the one-third criteria established for otherwise eligible concerns.
Loan packagers who derives more than one-third of their annual volume from the preparation of applications seeking financial assistance from SBA
Religious Organizations.
Political or Lobbying Concerns.
Pawn shops, when 50 percent or more of previous year’s income was derived 50 30 9 71 Effective Date: May 31, 2018 from interest
Real Estate Developers. Establishments primarily engaged in subdividing real property into lots and developing it for resale on their own account.
Life Insurance Companies.
Concerns Engaged in Illegal Activities (as defined by Federal guidelines). p. Government-owned concerns, except for businesses owned or controlled by a Native American tribe.
Concerns with Principals Incarcerated, on Parole or Probation: remain ineligible if the parole or probation is lifted solely because it is an impediment to obtaining a loan.
Concerns engaged in live performances of, or the Sale of Products, Services, of a Prurient Sexual Nature.
Businesses considered as hobbies.
Concerns Involved in Change in Ownership Situations: Concerns which had a substantial change of ownership (more than 50 percent) after the impending economic injury became apparent, and no contract for sale existed prior to that time are ineligible .
4. QUESTION: How is the loan amount calculated? How can I request a specific amount? ANSWER: There is no way to request a specific amount, the eligible amount is calculated automatically by formula based on your inputs. There are three known formulas:
Standard Small Business: Revenue minus COGS divided by 2 minus advance, subject to maximum of 150K
Not for Profit: 6 months operating expenses year prior to 1/31/20
Business that collects rental property income, your offer is calculated by lost rents due to the disaster, not the standard formula. If your offer is lower than expected you may have been wrongly classified into this formula.
Agricultural businesses: 6 months operating expenses year prior to 1/31/20
If the formula results in a negative number or less than your advance you will be declined for "ECONOMIC INJURY NOT SUSTAINED" 5. QUESTION: What is the maximum loan amount? ANSWER: As of last update it is currently 150K cap. This will not change anytime soon and there will be no way to request more at present. The only way to avoid the cap is if your loan was already being obligated prior to the change by the SBA from 500K. If I hear anything new on this it will be updated here. 6. QUESTION: When will I get my portal invite? ANSWER: Portal invites are a fully automated process and not strictly sequential but follow general group patterns. If you see someone that has a higher number than you get a portal invite it does NOT mean you were "passed over". 7. QUESTION: I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what? ANSWER: This is when the actual loan process starts and underwriting begins. Your application will be assigned a loan officer for review using the criteria listed in question 2. The exact process is as follows (hat tip u/sbaleaky and u/LOL_Face_69) with the actual stages from start to finish. Keep in mind that once you accept in the portal a number of things are going on behind the scenes, which is why "processing" can take a great deal of time. Once you see a loan amount in your portal, this is NOT a "pre-approved offer". It is simply a potential amount you are eligible for based on the stated formula if you pass underwriting.
Initial Call Needed (credit not ran)
Credit Pulled (waiting for automated portal invitation, this is by far the longest part of the process)
Quoted (received portal invite with an eligible amount)
Offer Accepted (you confirmed and submitted an amount in the portal)
Submitted Deal (waiting to be assigned to a Loan Officer)
LO assigned and makes decision: Declined, Duplicate, Approved
[The following takes place behind the scenes and will not reflect in your portal, but will still say "processing"]
Approved: T2 Rep can now see your loan is approved on their screen. This means the Loan Officer has approved the deal and it is now going to the Senior Loan Officer. If the SLO does not approve the deal then it will go to declined.
Obligating: SLO known as a "team leader" reviews the work of the first LO to ensure everything was done correctly. Once they sign off on the deal the loan is now fully approved. The loan is being sent to the E-Tran system to receive a loan number. The loan has not yet received a loan number from E-Tran while obligating. This is the most common phase where hang ups in "processing" can error called "error in obligating". Usually due to small technical issues or errors in your information that need to be sorted.
Obligated: A loan number from E-Tran has been obtained and now closing documents can be drafted and sent to the borrower. This is when your portal would change from "processing" to approved. There may be a delay between when your offer is obligated to when it actually shows approved. I have seen it happen in as fast as 10 minutes or as long as 12 hours. You can also see approved but not have docs available. Docs will not show up until you get an email with the approval. The delay on this can be a few hours or more.
Funding: Docs are signed and the loan is automatically moved to funding stage to have treasury issue an ACH. This happens very quickly and you should see the ACH sent right after with the funds arriving in 24-48 hours on banking days. At this point you can track the disbursement with your loan number from the docs using CAWEB to see if the ACH has been sent. See CAWEB question.
Funded: Process complete, funds are successfully in your bank account. Congrats
Note: The exception to this process is that some applications which are considered easy (based on unknown factors) to approve are subject to full automation and may go straight to approval bypassing the above steps. This only happens in rare cases. You may also see a status that says, "On-Hold" Amount $0: This status typically is when your loan was temporarily declined and is still in the reconsideration department pending possible reconsideration approval. It most commonly relates to credit based issues or problems pulling your credit report from Experian. 8. QUESTION: I now understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time? ANSWER: The amount of time it is normal for your portal to say "processing" is highly variable as a hundred different factors are involved behind the scenes. Once you submit for processing you are in queue to be assigned a loan officer**.** If your application has been in underwriting for greater than 20 days it may merit investigate, but not necessarily indicate a problem with your chances of approval. Do NOT panic if it seems "stuck" with no communication from anyone. This is normal.
UPDATE: As of 7/20 the current queue/wait time to be assigned a loan officer, get approved, and have closing docs drafted is 14-18 days. Some are seeing immediate automated approvals same day, this only happens in around 30% of cases. The rest must be manually processed. You are NOT "stuck" if you are still within this time range.
9. QUESTION: Does contacting my congressmen or senator actually work? ANSWER: Yes, the SBA treats congressional inquiry very carefully and will flag and sometimes white glove your application. Often they will assign a special case worker during the process. The important thing is when your local congressional office reaches out they do NOT contact the local district SBA but this email: [[email protected]](mailto:[email protected]). This email is NOT for use by applicants but only official government purposes. 10. QUESTION: Help! I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this? ANSWER: Yes, butonly if you meet the following two conditions:
You should NOT have already accepted an amount and submitted for processing in the portal. *If you already did see note below.
You have documentation to backup the changes such as Federal Tax Returns 2018 or 2019 or P&L Statements. Tax returns are preferred if available but not required if the offer is showing as eligible in the portal.
The important thing here is DO NOT accept the offer in the portal if you need to revise your numbers.
*IF YOU HAVE ALREADY ACCEPTED THE OFFER: Call tier 2 support as soon as you possibly can and ask them to make the following note in your file: Loan Officer, DO NOT approve this file without calling me, the applicant, because my (revenue or COGS) figures are wrong. I have supporting docs to make the changes. Please contact me ASAP. 11. QUESTION: I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late? Answer: Unfortunately tier 2 is currently giving absolutely terrible advice in this situation. They are telling people to accept the offer in the portal to speak with a loan officer to make the revision. The problem is that once you accept you set the process in motion and then it gets obligated by treasury it is impossible to adjust. The proper time is prior to accepting. Often times loan officers never are needed, never reach out or even read these notes. I see it every day and people are stuck its the "kiss of death" advice. If you already accepted you may have time but would need to work quickly from date of submit. UPDATE: As of 6/15 there is now a way to fix this. See question 13. 12. QUESTION: Who are you, cue378? Can you help me? ANSWER: I am a small business owner sharing the information, strategies, and general knowledge I have gained over the course of 4 months and helping in almost 1000 cases. I do not work at the SBA nor do I have any affiliation with the SBA. Do to an extreme flood of requests for help, I will not be able to answer PM's or chat requests. Some people have asked how they can support my efforts. While I do not ask for donations, another volunteer decided to setup a tip jar in case people want to show their support. To be clear any assistance I offer is entirely free without any expectations. Please note, anything donated prior to contacting me in an effort to gain faster help/special attention won't yield those results, while appreciate your support I keep everything fair to others who don't donate. The tip jar can be found HERE. 13. QUESTION: My loan was obligated, already funded, or I already accepted the amount in the portal. I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it? ANSWER: As of 6/12 loan modifications are now being allowed. You can contact [[email protected]](mailto:[email protected]) and request a "Loan Modification increase". It is a 3-4 week process that requires documentation. A second loan will be given for the difference from the first one. It will be processed as a 20xx series loan in the old system/portal. For more details email me. Note if you have not yet accepted the offer the normal process is much faster. 14. QUESTION: How do I show support for the volunteers and moderators forEIDL ANSWER: For supporting Cue378, there is a tip jar listed above. If you wish to show support to our community moderators, you may reach out to them direct at u/tahoechick36 and u/Scorpio14534to ask how you can show your appreciation for their time and efforts. It takes a great deal work run the community and they are putting in a near full time effort outside their normal occupations. 15. QUESTION: I received my portal link, but when I go to create an account it just takes me to the login page or I get the error: "The user account has not been confirmed yet. What can be done? ANSWER: If you takes you back to the login screen instead of letting you create an account, try following the steps HERE 16. QUESTION: I was declined for "unsatisfactory credit". What are my options? ANSWER: You have a few options.
You can bring your vantage 3 score over 570 by paying down cards, when you are ready you can request the SBA re-pull your report and reactivate your account via [[email protected]](mailto:[email protected])
*You can request to add a co-borrower that has a higher score than 570 with no open bankruptcy and run their credit to reactivate your application.
*As of July 20th the SBA is no longer allowing the use of a Co-Borrower for reconsideration of an insufficient credit denial. Further details and updates on this situation are available in the threadHERE. 17. QUESTION: What documents are required? Will a loan officer contact me? ANSWER: In many cases no documentation is required and everything is self certified. Most commonly an LO will need to contact you to clarify some things about your business or request specific documents, or confirm your public business presence. In about 1/3 cases you will receive no communication from a loan officer and approvals are automated. For denials you lose self certification ability and you will be required to furnish full documentation. 18. QUESTION: What is the status of the Advance/Grant program? Can I still get a grant? ANSWER: As most of you already know, the EIDL Advance/Grant program has ended and the full 20 billion in funding for the advance has been exhausted. The option has been removed from new applications. Getting funding for the advance as a new applicant at this time will not be possible. For older applications please see this post for more information: https://www.reddit.com/EIDL/comments/hr3l41/eidl_news_714_update_regarding_the_current_status/ 19. QUESTION: What are the eligible uses of EIDL funds? ANSWER: These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. What are all the possible uses of the funds? The wording ‘obligations that are unable to be met due to lack of revenue’ seems to be a catch all, but how much so? The EIDL working capital loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred. The loans are not intended to replace lost sales or profits or for expansion. If you have more specific questions on the allowable usage of EIDL funds, one of our moderators, u/Scorpio14534 who is also a licensed professional CPA that is very knowledgeable on this matter is open to email requests. They can be reached here: [[email protected]](mailto:[email protected]) 20. QUESTION: I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do? ANSWER: This occurs when the numbers entered on your application for COGS are greater than your revenue. The SBA calculates economic injury based on the formula in question number 4. You can also be denied for this reason if the resulting number is less than your advance amount. Please note that the SBA is only taking into account revenue earned prior to the disaster date of 1/31/20 to calculate your economic injury. If your only revenue was earned after that date as a newer business you may not qualify, but it is possible to use a 12 month projection which you can submit to reconsideration. If the numbers on your application were correct, you would not be eligible for an EIDL. If you made an error you can request an amendment and reactivation of your application. 21. QUESTION: What is CAWEB and how can it help me track my loan disbursement and other status? ANSWER: You can use the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding. It allows you to see disbursement status and other details related to your loan. ****Hat tip tou/tahoechick36for this amazing write up*\* Using the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding. Visit caweb.sba.gov or click the link at the top of EIDL Setting up an account: You need a SBA Loan # to set up an account - for EIDL it appears on the first page of your documents, in the upper left hand area, and says "SBA Loan # XXXXXXXXXX.” SBA loan #'s are 10 digits. Your Application # will NOT work for account set-up. If you have a PPP Loan, you can use your SBA # for this loan to set up an account. Sometimes this # is easy to figure out, sometimes not. That has to do with an intermediary (like your bank) being involved, but if you can track down an actual SBA Loan #, you can go ahead and get registered without your EIDL loan number.
On the home page click on "Not Enrolled?" in the top left. This takes you to a screen to enter info. You may come to hate this screen, this process is very finicky.
Look at the rules for creating a User ID and Password by clicking on "Rules..." next to the fields.
Write your exact ID & password down somewhere - if you ever get locked out and call the SBA for help, they are going to tell you that Borrowers are not supposed to be able to access CAFS CAWeb. Apparently we still can, so don't make this a big deal or maybe that will change!
For user type - select "borrower" from the drop down menu.
Fill in the highlighted fields with your info. Click on the "ZIP LOOKUP" button after you enter your zip code. This auto populates some other boxes, and registration won't work if you don't do this.
For the country code in the phone number section enter "1" for the United States.
Financial commitment ID is your Loan # - 10 digits.
If you don't have a landline, it has been reported that just entering your mobile number in both fields works. You will have to select 3 of their security questions, enter the Captcha image info, then hit "submit" at the bottom.
If it didn't like the info you have entered, it will give you an error message for what part it didn't like, and you will have to try again, which requires re-entering quite a bit of the information. It's a pain. But if it takes it, you're in! There may be a verification step now as well. Finding your loan on CAWeb
On the caweb homepage, login (if you aren't already), it will be personalized and show your name. You have to scroll down and check the "Agree to Terms" box when you are logging in.
Click on "Borrower" in the top left, then click on "Borrower Search". This should take you to your "Loan List" showing the loan #, borrower name, loan type, amount, and loan status.
PPP loans typically appear as "Active Un-Disbursed" - if your PPP is already funded don't worry about that. Your EIDL will show up as "Disbursed Current" if funds are on their way. It may say something else if you look immediately after you send back you Docs, but it should change pretty quickly. Logging out and back in again will sometimes refresh the status. Loan status will say "Active Un-Disbursed" until Treasury send the funds to your bank, then it changes to "Disbursed Current".
It depends on your bank when they post in your account (same day, next day, time).
If your banking info didn't verify, the transaction will fail to go through, and the status will revert.
If you are not funded within 3-4 banking days, there is likely a problem - check your info in your portal, call the SBA, and then email Cue if needed.
If you click on your loan# in the list, it opens up a page with details about your loan.
There's even a box at the bottom to check if you want electronic account statements only, but if you check that, a warning pops up about "all attached to this loan will be affected by this change", so we recommend not selecting that option just yet.
A Constructive Criticism on Genshin's Current Experience
DISCLAIMER: THIS THREAD IS FILLED WITH MY PERSONAL OPINIONS AND EXPERIENCES ONLY, AS SUCH, IT MIGHT BE DIFFERENT THAN OTHER PLAYERS AND PEOPLE WITH DIFFERENT PERSPECTIVES. This post is about criticism regarding Genshin Impact's current gameplay experience. This means, highlighting the good aspects of the game while shedding light on the current issues it has. This also means that it doesn't consider future known versions of the game, as it might be subject to change. MY GAMING BACKGROUND I have been gaming for 17 years, and have played over hundreds of games throughout the years, which also includes puzzle games, fighting games, RPGs, MMOs, RTS, FPS, MOBAs, and interactive games. I've watched games grow and evolve, fall up and down in trend, and see how it shaped gamers today. HOW LONG HAVE I BEEN PLAYING GENSHIN? As of now, I'm AR31. I haven't completed every sidequest, nor have found every chest in the game (yet). I have, however, completed the main storyline, finished completing the oculi (geo/anemo), finished some of the side quests (some because I haven't found them all), and currently 9 star up until Floor 5 on abyss (I don't do floors until I can 3* every floor). I'm at the point where the endgame feels sluggish. There's no more content to do except doing daily battle pass, burning up resins, collecting Philanemo mushrooms from Monstadt rooftops, and occasional mob hunts for ascension mats. Basically, at the point where genshin just becomes a chore. WHY AM I MAKING THIS POST? I love genshin. I've told my friends to try it out, and still explore the world even if there's rarely any more to look for, expecting there's more content that I might have missed. I started since early October, and I'm still excited to login to genshin despite it being empty right now. With that said, I am hoping that this post lightens up the current issues the game is facing, as well as show the games upsides and downsides. No game is perfect, but I believe genshin can be SO MUCH MORE than what it is right now. THE GOOD SIDE AND BAD SIDE OF GENSHIN WORLDBUILDING THE GOOD: Genshin's world is BIG. For a version 1 game with the promise of constant updates, casual gamers will always have content to look for. The main storyline is quite compelling, and exploring the world is initially very rewarding. It feels great opening chests, killing mobs, and getting loot. The scenery is pretty great, with a decent amount of flora and fauna without being flooded with cities and structures. There's also secret(s?) that tackle my interest (Nameless island in Monstadt, might be a few more). Monstadt and Liyue have unique experiences in exploration (Liyue IMO might be a mountain climbing simulator but it lives up to its name as the region of the geo element and it has a certain feeling of satisfaction reaching the top and then gliding down,while Monstadt has some areas where flying and gliding is important. Also, there's a middle finger mountain southeast of taishan mansion in Liyue). The bosses look GREAT and are actually frightening the first few times you see them. The music is beautiful as it has me listening to it even while in combat, or just simply exploring. THE BAD: There's not much else to find after your initial explorations. The chest respawns aren't noticable. Little mob variations (I have hilichurl sickness). Domain interior is recycled (every domain looks the same when you go inside) and domains don't have specific mechanics to look for aside from party comps. For a big world, there's few awe-gasping structures to be found in comparison to the world size. Most NPCs feel lifeless. THOUGHTS: Better respawn rate, add random-generated dungeons, more mob variations, add more interior design to domains, add more variation than time-attack combat, add more structures that feel mysterious and that goes deep into lore. Give NPCs more life (Give them voice at least). Arguably, the protagonist dialogues should be voiced too, but this is entirely my opinion, as some people actually prefer the silent protagonist (Persona style), but the witcher series somehow proved to me that voicing dialogues does indeed improve immersion. COMBAT THE GOOD: The combat system is great, it utilizes the party system genshin has, with elemental reactions/combos/synergies being the highlight of it. There's also launcher attacks that can possibly open air juggles. Limitless unit synergies. The dodge feels balanced thanks to the stamina in place. THE BAD: No midair attacks. I'm talking about attacks that you can do while you are in midair, not the dive attack. Fighting airborne enemies with melee units is annoying, and hitting weakpoints being exclusive to archer units for big units like the ruin guards/hunters feel a bit bad (I'm a bit mixed on the weakpoint part, since I somehow feel that that's what makes archers great, but the airborne units like the ruin hunter and the flies feel annoying especially when your archer dies.) Midair attacks are also important for air juggling if they ever do enhance air juggles. THOUGHTS: TBH the combat system is great, not much to say except that it would be great if we could do midair attacks or air juggles better, similar to DMC, pre GoW4, and KH, but possibly not as hardcore. UNIT DESIGN THE GOOD: Each unit is unique, usable, and well-designed (so far). The art is great or good at best, and each character's kit synergizes well thanks to elemental reactions, which make each unit great at any comp. THE BAD: Amber. THOUGHTS: Buff Amber pls. GAME DIFFICULTY THE GOOD: If you're just here to play the game for the story, exploration, and lore, then lucky for you, this game is playable and clearable with the free units given in the game. THE BAD: For thrill seeking hardcore players out there, the only way to have a challenge in this game is handicapping yourself (I tried to kill a WL3 Boreas with a level 20 Amber with some artifacts and weapon smashed in, enough to deal 2% of his health per hit of charged arrow and enough to get oneshot by anything except the ice he leaves on the floor which deals damage). THOUGHTS: For the open world, the difficulty seems reasonable. However, time attacks in domains aren't hard, there's no challenge aside from killing monsters faster. Of course this implies that the real challenge is building your characters, which is behind a resin system, and constellations, which is behind a paywall (of course for whales it's not a deterrent, but for f2ps, it's going to be a big problem if they make it something like kill 10 abyss mages in 30 seconds). My point being, the difficulty is not raised by (just) having better reflexes, but also by having better gear. My notion of "hard" is not a time handicap, but by punishing player mistakes, like slow reaction time, inefficient stamina use, or going in blind. The exception to this are the world bosses and elites, but domains can opt to have "hard" modes that give more loot, that is not time attack. However, I'm not saying that time attacks are ineffective at increasing difficulty, but making things spongier isn't the (only) solution, as it stands, I've never died to a boss (except on my amber vs boreas first run) or any mob, most of them was falling or drowning due to 0 stamina (jump attacks remove/reduce fall damage significantly, but can't be performed at 0 stamina). I might be wrong on how damage is on this game since I'm only on WL3. RESIN SYSTEM THE GOOD: ??? THE BAD: This is what I think of when I S*** so hard I get hemmorhoids and think this is the experience players should have when I play this game, because sitting on your PC too long and finishing contents in genshin means you're stuck pooping hard and painful just to raise your units past AR 30+ or so. Building a character can take a month or so, which involves: Leveling, Ascension, Talents, and TONS OF MORA. You also have to farm ARTIFACTS on top of that, since artifact stats are RNG, it can take you weeks, months, or a year to find the optimal stats for an artifact. For a game rolling out new content every 6 weeks, if they release better artifacts on top of a resin system, it will result in a very big problem: POWERCREEP. sure, this is a single player game, but all gacha games I've played have had this issue, at least at one point, and gacha games I've played are PvE oriented. Powercreep in itself is not a bad issue if it's at a reasonable pace, but since this is just version 1, I can be wrong and mihoyo might be good enough to deal with this. But resin is a very big hurdle to endgame. THOUGHTS: Either they be more generous with fragile resins, reduce primogem cost for resin refills, increase regen rate and max cap, and reduce resin cost for claiming treasure (all of the above at the same time) , OR make resin a drop booster, OR remove it entirely. There's barely any competitive aspect to this game that warrants the stamina system. It's not gonna keep players playing, new updates and content will. COMMENTS/OPINIONS ON OTHER CONTENT THE COOKING SYSTEM: Right now it's useless. It could be useful on abyss, but abyss doesn't allow food buffs. It's an interesting mechanic, but the only use it has is if you don't have a healer in your team (domains or in combat against an elite/world boss), or if a unit dies at which point you use food to revive them during a fight. Outside of emergency use however, There's really not much else. GACHA/GACHA RATES: First of all, I would like to clarify that, despite widespread info claiming "gacha" is a genre, it is, imo, NOT A GENRE BUT A FORM OF MONETIZATION. if you want to play using your money just go to your local casino or hit up your phone and download casino games. As such, "gacha" shouldn't be the defining genre of genshin, as the gacha is actually only restricted to earning units and rare gear, which is just a part of what genshin plays out; Genshin is, first and foremost, a hack and slash open-world ARPG. What this means for me, in big part, is that rationalizing the resin system just because there's gacha elements in obtaining units and rare weapons doesn't mean it should spill over to the RPG experience. Gacha =/= Stamina system. The rates for 5* suck, so to be fair, just reroll until you get the 5* unit you want and they'd still be usable in the long run. STAMINA/RESIN SYSTEM: As I mentioned above, Gacha =/= Stamina System, MMOs have them too, for a multitude of reasons. Gachas I've played do have stamina systems in place, but does that mean every gacha game should have one? the answer is simply NO. Genshin is unlike any other "gacha" game out in the market; and I hope it doesn't become one. CONCLUSION Genshin, as of now, is a great free game with an immersive 20-40 hours of gameplay. As the game constantly will get updates, it is expected that more hours of gameplay will be put in the future. with a development budget of $100 Million, and a reported $100 million in 2 weeks, players SHOULD expect more quality content. The game currently has a vast world waiting to be explored, compelling story, great unit designs, a deep and interactive combat system, with huge potential for more. Despite the game's greatness, it is ultimately held back by the resin system, which hampers the only potential endgame content this game has to offer. Rating: 8.3/10
Hey all, I have quit RSL 2 months back (Duly banned for refund abuse), and I have been putting this off for a while. I had always promised myself to write an unbiased review of RSL when I quit, so this is gonna be my attempt at the same. Background: Postdoc with free quarantine time. Played for 4 months. Acct. At the time of quitting: Siphi, Norog, Vizier, Black Knight, Wurlim, Prince Kymar, and 1 other I forgot. Also misc monster, and pretty much all the top epics Total spent: 600$ (about 450$ refunded) Pros: The first thing that drew me in was the incredible character designs. Clearly targeted at DnD, LOTR fans. The game has a rich diversity of characters, with a nice mix of OP, moderately balanced, and terrible champs. Gameplay was initially fun and exciting, especially if you can find a clan with cool folks, which I did. Cons:
The game is polished and well designed, but the obvious greed becomes apparent within a few weeks/months of playing. The ads, the events, the obvious cashgrabs.. everyone knows about all of that, but what really scared me was the direction of the game. Within the very short time I played, I realized that all new changes had only 1 bottomline "Make more money". Improving/fixing gameplay or anything else that would not directly translate into more money seemed to be a "VERY" difficult task for the developers. Yet, anything that was gonna make them/was losing them money was fixed in a jiff. 3v3 and the related bazaar was the last straw. I was not playing a game anymore, I was playing a mobile casino.
The decline in quality: The character designs and diversity is one aspect of RSL which almost everyone, including myself cite as a reason to stick with/ or get drawn into the game. However, newer models have been uniformly terrible- the cut through axe on Kantra, the terrible design on Ghrush vs a Bad el or a siphi will clearly show you the difference. It seemed to me that the original designers were not involved in the designs any more, and the new team either were not competent or simply did not give AF
Too many characters: Wurlim, Kantra, Cillian (which is the last lego I forgot), gurptuk, the lizard, and the new 270 day login lego for examples. These are mediocre to bad legos, but more importantly they dilute the pool, so that pulling useful characters becomes more and more difficult. More importantly the game seems intent on continuously releasing new "Fusion" characters to get people to spend rather than worry ABOUT ANYTHING AT ALL that would improve people's experience
The mental stress of it: This is probably my Top reason to quit. 2x weekends followed by summon rush (with great rewards), 10x with OP champs followed by 2x ancients, switching up 2x events, making fusions unattainable/shitty- to me the game seemed like a constant struggle to get "One up" on the developers who re intent on tempting you to spend money. Always trying to predict, save resources, plan shard pulls -the game was more of a chore/job and struggle than the fun aspect. I dont mind spending on/supporting a game I love, but this game is like trying to watch a movie with the usher standing next to you trying to shove popcorn in your face the whole time.
Changes since I quit: Should not take you more than a few days to get used to not playing the game. And after that it really starts to hit you, how much you ve spent. The game does an incredible job of normalizing the in-game prices by shoving the ads in your face, but just for eg, 600$ is a good guitar, a good laptop, enough gas for a cross country road trip etc. Bottomline: The game is a fun short term experience, but the constant barrage of ads/begging for money can be a turn off. It seems unlikely to me that the game owners will invest in any big changes/updates on the game, but are rather milking the profits till the game dries up and bring a newer reskinned/redesigned game out at that point. Tip: Make sure you keep screenshots of the higher priced packs on your pay acct vs the similar lower priced ones on your alt accts. Deceptive pricing can be a strong support in case of refund queries by banks. (In no way am I promoting/suggesting anyone to do the same. Please work with Plarium's helpful and active customer service to resolve any queries) :)
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.
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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. >>Get Your Free Spins Bonus Now<<
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. >>Get Your Free Spins Bonus Now<<
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 30xwagering 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. >>Get Your Free Spins Bonus Now<<
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 Interace-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. >>Get Your Free Spins Bonus Now<<
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. >>Get Your Free Spins Bonus Now<<
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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5Gringos Casino Bonuses and Promotions
One of the innovations that make the 5Gringos Casino special are its lovely avatars. To be more precise, right after you sign up, you get to choose your lucky charm. It will follow you on your exciting journey and hopefully, bring you tons of luck. Depending on the character you choose, you can count on different bonuses and promotions. When it comes to the wagering requirements, they are 30 times the amount deposited and the bonus you claimed. If we’re talking about free spins, the wagering requirements are x40. At the same time, live casino games are not available for play with bonuses. >>Click For Exclusive Free Bonus<<
5Gringos Casino Free Spins
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VIP Program
The most dedicated players are always appropriately rewarded. Should you decide to become a VIP player you’ll enjoy special privileges. Together with all the bonuses and promotions, everyone else gets, you’ll get special offers regular plays can only dream about. There are five VIP levels in 5Gringos Casino and depending on your level, you can get a special personal manager who’ll help you with everything you need.
How to Register in 5Gringos Casino
This online casino allows you to play many different games in demo mode, without depositing any real money. However, when you decide to play for real, you’ll have to make an account. The process is very simple and even those who are doing this for the first time shouldn’t have any problems. All you have to do to start your registration process is to press the “Join Now” button. Immediately, a pop-up window will appear and you’ll have to fill in two pages. The first page contains your login, password, current email address, the currency of your account, country of living, and the terms and conditions. The second page contains your name, surname, current address, postcode, phone number, date of birth, and gender. Once you make sure all the information you entered is correct, you should click the “Join Now” button. In case you don’t receive your email confirmation letter, you should check the information you entered once again. Also, make sure you check your “Spam” folder because the confirmation letter might be there. If it still seems like you’re experiencing a malfunction, you can always write an email to their customer support to [email protected]. They will activate your account manually. >>Click For Exclusive Free Bonus<<
5Gringos Casino Software
As we already pointed out, this online casino collaborates with some of the most famous software providers. The quality of the games offered is very difficult to find these days. This becomes rather obvious as soon as you start playing. The complete list of software producers is, of course, pretty long. It would take too much space to mention them all. However, some names simply have to be noticed:
Netent
Quickspin
Ezugi
Leap
BF Games
Habanero
Push Gaming
Amatic
Betsoft
Vivo
Reel Time Gaming
Hacksaw
When it comes to the site itself, we can only say it’s very well designed. It is fast and responsive and we haven’t encountered any bugs or errors. In our opinion, it’s simplicity is what makes it easy to navigate through so that even the inexperienced beginners can find what they’re looking for. The colours used are skillfully combined and the site is very easy to look at. This is especially important if you spend more than three hours playing, which we did. The content is organized in categories and the whole arrangement is very intuitive. What’s even better, every game is properly described using a thumbnail picture. Every picture gives you a good idea about the game even before you start to play. This speeds up the selection process and gives you more time to focus on what matters the most.
5Gringos Casino Games
Probably the most important feature of the 5Gringos Casino is its extensive selection of high-quality games. There are so many good options that some people might end up not knowing where to start. Those who love slots will feel like they are in heaven. Just like before, we won’t even try to name all the great titles but only the most important ones. If you’re into slots, you’ll be glad to see:
Gonzo’s Quest
Book of Fruits
Total Overdrive
Big Bad Wolf
Goldilocks
Diamond Duke
Sticky Bandits
Starburst
Players who are more experienced usually tend to prefer games which are faster and which allow them to risk more in order to gain more. They like to feel the thrill of real gambling where huge changes can take place in a few seconds. For those who feel like the sky is the only limit, 5Gringos Casino has a special assortment of high volatility games. Some of the most important titles are:
Divine Dreams
Queen of Queens
Sparta
Super Twister
Gold Rush
Durian Dynamite
Bigbot Crew
Table and Live Casino Games
Of course, not everyone is into slots. Today, many players form their opinion on an online casino based solely on the number and quality of the table games it offers. Card games like poker, baccarat, and blackjack are available in many forms. Titles like American Blackjack, Vivo Baccarat, and Joker Poker are among the most popular. Lovers of roulette have a satisfying number of variations at their disposal. American Roulette, European Roulette, Common Draw Roulette, and Vivo Roulette are only some of them. Even though one of the oldest casino games, among experienced players, Roulette remains among the most frequent choices. It’s usually fast, exciting and it allows you to score huge wins. This is of course if you’re lucky enough. Live casino games bring excitement and unpredictability to a whole new level. In this section, you can find titles like Blackjack Live, Blackjack Platinum, Baccarat Live, Roulette Live, Turkish Blackjack and many others. >>Click For Exclusive Free Bonus<<
Customer Support
Based on our experience, we can say that no matter how good the online casino is, soon or later you’ll encounter a problem. Now, it might be something you did wrong or the casino is experiencing some difficulties or it might be a third party issue. Whatever happens to be the case, you’ll need a fast and reliable customer service agent to assist. Compared to others, 5Gringos Casino is way above average. We got in touch with one of their agents with a series of prepared questions and he did very well. He responded within a minute and managed to answer all our inquiries. This is, of course, what you can expect if you contact them via live chat. If you’re not into chats and pop-up windows, you can always write them an email, or call them using your phone.
Payment Methods and Security
In terms of payment processing, 5Gringos Casino fulfills all the common requirements. Just like a great majority of players do, you can fund your account using credit and debit cards. Since their popularity is on the rise lately, e-wallets are supported as well. Withdrawals are delivered promptly and not a single issue was detected. It’s also very important to mention that the 5Gringos Casino implements some of the most sophisticated security measures. Complex security algorithms and encryption methods guarantee the safety and secrecy of every player’s personal and financial data.
Mobile & Apps
The modern world is a busy place and many people are often on the move. To stay in touch, they often use mobile devices. Some statistics show that smartphones already became the basic necessity in our society, an item we cannot do without. With this in mind, the team of dedicated professionals behind the 7 Sings Casino created a top-level mobile-friendly website. Unfortunately, not all game providers had this in mind and some games are not available on mobiles. Nonetheless, the site is perfectly mobile-optimized and you can access it at any time and anywhere. It’s compatible with both iOS and Android and it looks pretty much the same as the desktop version.
Licensing
Another very important thing is, of course, licensing. Every good online casino should hold a valid licence. The licence must be issued by a well-known gambling authority whose track-record can be checked. This is the only way to protect all those who take part in this interesting activity. The 5Gringos Casino is licensed and regulated by the government of Curacao and its players can rest assured that everything is happening according to law. >>Click For Exclusive Free Bonus<<
Conclusion
All things considered, the 5Gringos Casino represents the very top of the shelf in the world of online casinos. Its amazing collection of games makes it way more diverse than even some of the biggest names in this industry. Various promotions and bonuses make it attractive for newcomers who are expected to engage in even greater numbers. This online casino is properly licensed and it’s completely safe no matter where you’re playing from. All the major payment processing methods are supported. In the end, there’s nothing else to say but pick the game that suits you the best and give it a try!
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CryptoSlots Casino Review
CryptoSlots is a fun new online casino that falls into the online Bitcoin casino category. It welcomes players from all around the world, including the United States of America. It also has loads of other great selling points, such as the fact you can become a member in just thirty seconds. All you need to do to is create a username and password and enter your email. You can then make instant deposits using Bitcoin, Bitcoin Cash, or Litecoin. CryptoSlots also has provably fair slots and video poker games which boast excellent graphics and sound. Slots and games can be played on PC, mobile, or tablet, while CryptoSlots mobile is fully optimized for leading mobile brands such as iOS, Android, and Windows. New players are generally welcomed with a generous welcome pack comprising multiple deposit match bonuses. Meanwhile, regular players can claim weekly cashback and earn VIP rewards. You can also earn tokens for the Jackpot Trigger game, which offers players the chance to win $1,000,000. Withdrawing your winnings is also a much quicker process than at many other online casinos. CryptoSlots is owned by Slotland Entertainment S.A., which is also the creator of sister casinos such as Slotland and Winaday. The casino is licensed by the Government of Anjouan. >>Click Here For Free Bonus<<
A Truly Welcoming Welcome Package
The CryptoSlots new player welcome package should appeal to everyone, from small stakes players to high rollers. That's because you can usually take advantage of small minimum deposits and large maximum deposits when you claim a bonus. The even better news is that the welcome package generally consists of multiple deposit bonuses which can be claimed over your first few deposits. These bonuses can be used to play slots and video poker, with slots being the biggest contributor to playthrough requirements. Other terms and conditions include playthrough time limits and max cashouts, although these both look generous. Example bonuses may be subject to change, so please always check the promotions page and all bonus-specific terms and conditions.
Earn Jackpot Tokens
Jackpot Trigger is a game that can't be played with bonus money at CryptoSlots. However, don't worry, as you will get to play it if you play here regularly. That's because every time you accumulate winnings of $100, you'll earn yourself one jackpot token to play this exciting jackpot game with a top prize of $1,000,000. The other regular promotion you can enjoy at CryptoSlots is weekly cashback. This is awarded on all losses you suffer from Monday to Sunday. You'll then receive your cashback bonus on Wednesday of the following week. Cashback bonuses also have super-low playthrough requirements. There is also the CryptoSlots VIP program, which has been designed to reward elite players. Membership is by invite only, so you'll probably want to catch the eye of the head of VIP to be able to access those tasty rewards on offer, which include increased bonuses, VIP-only promotions and progress to gifts, gift vouchers, and gadgets. >>Click Here For Free Bonus<<
Great Slots at CryptoSlots
CryptoSlots offers the range of Slotland Entertainment games that can only be played here or at other Slotland Entertainment-owned casinos. One of the site’s top games is the Phantom of the Opera slot, a 30-payline slot version of the famous Andrew Lloyd Webber musical The Phantom of the Opera. Its main attraction is a free spins feature which offers a choice of five different free spins and multiplier combinations. Choose from 30 free spins with a 3x multiplier, 20 free spins with a 5x multiplier, 15 free spins with a 7x multiplier, 10 free spins with a 15x multiplier, or 5 free spins with a 30x multiplier. You can also play the Phantom of the Opera slot by Microgaming if you like this popular slot theme. Alternatively, why not try a few spins of the Neon Reels slot? This 20-payline slot, designed with neon and retro symbols, has randomly triggered wild reels that appear on reels two and four, and double wild reels appearing on reel three. However, what’s even more exciting about this game is the free spins feature with clone reels. This lets you win either 5, 10, or 15 free spins. Plus, on each free spin, between two and five reels will become clones to offer seriously thrilling chances of winning big prizes. The slot shares its name with the Neon Reels slot by iSoftBet, but it looks even more exciting. Meanwhile, if you like to play magic-themed slots, you could spin the Magic Spells slot into action. The game is set in a witch’s cavern, where symbols of potions and spell-books can be lined up to land some magical prizes. Prizes may increase with the help of the expanding wilds, which appear in the form of cauldrons with skulls floating about in the vapors. Pumpkin scatter symbols also feature here, and will trigger a pick me, click me bonus when three or more pumpkins are in view.
Just as Great on Mobile
The CryptoSlots mobile platform gives you access to everything that the desktop version contains. You'll be greeted by the Jackpot Trigger game – which is perfect if you fancy trying your luck at winning $1,000,000 on your way to work or while waiting for your friends. There's also a choice of fun mobile slots such as Wild West, plus you can even play mobile video poker games like All American. All promotions as well as live chat support can also be accessed on mobile. CryptoSlots mobile is available in instant play and is fully compatible with leading brands such as Android, iPhone, and iPad. And while you can sign up on mobile, you can even sign up on desktop and then access the site through your mobile phone or tablet using the same login details. >>Click Here For Free Bonus<<
Speedy 24/7 Support
We used live chat support twice while compiling this CryptoSlots casino review, and we were seriously impressed with the function. You only need to enter your name and email to begin your chat with a representative. You'll also be told what queue number you hold and how long it’s likely to take for your request to be answered. Both estimates provided for our queries were of one minute, but in each case we received an answer in around twenty seconds. CryptoSlots also offers the email support, with both options available 24/7 and accessible via mobile or desktop.
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Easy to Slot Straight In
From the moment you complete the signup process at this Bitcoin casino, it will feel like you’ll slot straight in. You can make your first deposit instantly using your chosen cryptocurrency and claim your generous first deposit welcome bonus at the same time. The bonus can then be used to play any slots or video poker games you take a fancy to. Meanwhile, a cashback bonus is never far away if you’re having a losing week, while cumulative winnings of just $100 will earn you an exciting jackpot token – and a chance to win $1,000,000. Remember, whatever you win can then be withdrawn the next business day. If you think CryptoSlots may well be your kind of casino, go ahead and sign up in just 30 seconds!
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Payments
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Customer Service
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License & Security
And now in our b-Bets reviews, we will answer the question that everyone should ask themselves before trusting an online gaming site that they haven’t used before, especially as putting your faith in the wrong operator has proved countless times before to be a huge waste of time, effort, and hard-earned money. This question is of course ‘Is b-Bets legit or is b-Bets rigged?’ b-Bets, which launched in 2014 and is owned by Condor Malta Limited, is licensed and regulated by the Malta Gaming Authority. An online gaming site that holds such a license is usually believed to be beyond reproach, with little to no risk of any b-Bets scam or b-Bets fraud taking place. This is because the Malta Gaming Authority is renowned worldwide as one of the ‘Big 4’ (along with the UK, Alderney and Gibraltar) when it comes to regulatory rules and licensing standards. Furthermore, b-Bets uses SSL data encryption and a Random Number Generator (RNG); plus the site is registered with Malta’s Data Protection Commissioner. However, the maximum daily net win limit mentioned earlier is a problem. Any win limit is considered to be extremely unfair to players, because in the event that you win more you will not receive any money exceeding the limit. There are also a few unreasonable restrictions in the Condor Malta Group’s terms and conditions that have been highlighted – particularly a clause that states ‘No withdrawals shall be accepted from the accounts if a period of three months has elapsed from when the last successful deposit was made. In such cases, a new minimum deposit will be required.’ Though not necessarily a b-Bets fraud or b-Bets scam, these b-Bets reviews regard forcing customers to ‘play to get paid’ as entirely unacceptable as a practice. Taking everything into account, these b-Bets reviews conclude that a b-Bets scam or b-Bets fraud is unlikely, though if you are a high-stakes player expecting close to or over the maximum daily net win limit, we suggest you look elsewhere. >>Claim Free Bonus Money Now<<
Rewards & Loyalty Program
b-Bets doesn’t have the standard rewards or loyalty program you may have come to expect if you already have some experience betting online; instead, the site has its unique ‘BidBets’ auction system. Basically, as soon as you claim your b-Bets welcome bonus you receive BidBet credits, which can be used to bid on a series of bonuses. These bonuses include deposit offers, free bets, cash back, free spins, more BidBets and money, to name a few. Further BidBets are acquired by making wagers on both the site’s Sportsbook and Casino products. At the Casino, you earn 1 BidBet credit for every €20 you play on any slot game. You can also earn BidBet credits by playing table games or live casino games, but these have a lower ratio. Unfortunately, we couldn’t find a record of the exact ratio for these games, even though the website claims that they are stated on the Casino bonus terms page. There are constantly new items in the auction house that you can use your BidBets on, just check the ‘Trending Auctions’ drop-down menu at the top right of each page.
b-Bets Sports Betting
Betting Markets
There are fewer than 30 b-Bets betting markets available, which isn’t the greatest variety when compared to close competitors in the industry. As well as some of the most popular sports in the world like football, baseball, basketball, boxing, cricket, darts, golf, ice hockey, MMA, motorsports, rugby, tennis and American football, there are also less common sports such as badminton, biathlon, cycling, futsal, Gaelic football, Gaelic hurling, pesapallo, snooker and volleyball. You can also place bets on UK and US politics. eSports options include DOTA 2, League of Legends, Overwatch, Rainbow Six and a few others. Unfortunately, there are no b-Bets betting options available for horse racing.
Odds
While compiling these b-Bets reviews, we performed an odds comparison between this online Sportsbook and that of competitor Royal Panda, using the full-time result of the upcoming FA Cup final match, Arsenal vs. Chelsea. Here’s a breakdown:
Arsenal to win: b-Bets = 3.35; Royal Panda = 3.40
Draw: b-Bets = 3.50; Royal Panda = 3.57
Chelsea to win: b-Bets = 2.19; Royal Panda = 2.18
Although it’s a very close call, you can see that the b-Bets betting odds aren’t quite as good as those of Royal Panda. Regardless, these odds aren’t far from the industry leaders in the sports betting market, proving that the b-Bets betting odds are very competitive. For more details on the competitor, have a look at our Royal Panda review. >>Claim Free Bonus Money Now<<
Live Betting & Streaming
There is a moderate live betting section on the b-Bets website. The main live betting markets are football, baseball, basketball, ice hockey, table tennis and eSports. The benefits to the b-Bets live betting section include a multichoice layout and a b-Bets betting calendar, which is ideal if you’re looking to plan for future games. However, there is a huge downside in the fact that there is no live streaming available; instead, there is a ‘Match Live’ section on the right of the page where you can view a graphical representation of the action combined with in-play statistics.
Limits
As previously mentioned in these b-Bets reviews, there is a €25,000 maximum daily net win limit on all wagers.
Product Summary & Conclusion
The b-Bets Sportsbook isn’t exactly the best when compared to its closest competitors: the selection of betting markets and bet types is below-average; the maximum daily net win limit and withdrawal limits are major weaknesses, especially to big-money bettors; and there is no live streaming. The biggest upside is the competitive odds, and when combined with the useful sports betting promotions with relatively low wagering requirements, you should be able to find some use in the b-Bets Sportsbook. >>Claim Free Bonus Money Now<<
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