As the title says I’m turning 20 years old. I have learned a lot being a teenager, it’s the prime of our lives, it’s where we finish secondary school, get our first part-time job, choose a university, or leave school and get a full-time job. Personally, I have learnt a lot, most of it is from my own experiences but I wish someone else had told me earlier on before I found out for myself. I wouldn’t say I’m leaving this sub forever; I’ll give myself the “old” tag and give advice where I think I could be of help. I would still like to write the bulk of what I’ve learned here to help you. 1. I see a lot of posts about mental health and suicide and you need to know it’s okay not to be okay. Help is out there I love helping people I enjoy it, so please message me if you need help. I to have felt depressed at times, one major thing about me is that I care too much about what people think about me, if someone has a problem I want to know why. If you’re like this too learn to let things roll of your back and ignore them. 2. Stop worrying about relationships at 13 to 16 years old, at the time of writing this I haven’t had a girlfriend yet nor anything even close, nothing lasted more than a night 2 days at the most. We will all find someone at some point. I have thought about losing my virginity to a prostitute, it might fun, and I shouldn’t regret it, but I probably would. 3. Do well in school, one of my biggest regrets is being too busy trying to be the funny popular guy trying to be everyone’s friend, I failed at both having a huge circle of friends and failed school as well. 4. Your school grades don’t define who you are. There are plenty of options for you to take and still do what you want to do but doing as well as you can in school will make doing what you want easier. 5. Get a part time job once you are old enough. Even if it a volunteer job it will give you much needed work experience that will help you eventually get a paid job. Also looks good on a university application. Try and avoid customer service for your first! 6. Save up your money. I understand once you start working you might be tempted to spend your money on new games or PC upgrades I know I was, and that’s ok, it’s nice to treat ourselves every so often, however even putting just £50 aside each month into a savings account will help massively for when you wish to buy a car, pay for university or pay for when you decide to go on holiday with friends after you finish school and help you get a property for when you wish to move out. 7. If you know what to do you could invest your money in stocks, I wish I’d known to do that sooner, if you can invest £100 each month into shares over a few months or years your portfolio will grow and hopefully if you bought the right shares could make some sweet profit. 8. Carrying on from number 3. Use this time while you’re still at home to travel, I live in the UK so after we did A levels (I did engineering Btec) after saving up for about 2 years my friends and I were able to go interrailing (backpacking as the Americans call it!) through Europe for 4 weeks. But only do this with friends that you know you can have fun with. The people I went with didn’t enjoy going out to clubs and getting drunk as much as I do, so I wish I had gone with people I could do that with. 9. if it, it’s too good to be true it usually is 10. your Parents don’t always know best, if you want to follow a career path and your parents don’t agree do it, you will regret it. Thankfully I have parents that support me in whatever I do, but I know people that do. 11. Don’t hang around people who aren’t your friends. Fake people are the worst people, people like this will uses you, manipulate you and lie to you. 12. It is ok to have no friends, there is a difference between being alone and being lonely. Eventually you will find a small social crowds with whom you will do everything with. 13. As Chris Gardner once said Plan B and C are rubbish, stick to your plan A and you will succeed. 14. People don’t always change; some do I am completely different now than 2 years ago. But some people I was at school with are the same, they are the same dickhead who likes to be funny by putting others down, people like that are stuck in their own little world to scared to realize that they have been left behind due to still being immature. 15. As I said in 11 and 4 if you don’t have fun you will regret it, I promise you, one of the friends I went with told me he regrets not smoking weed in Amsterdam or getting drunk on £1 beers in Budapest and wants to go again to have the experience he didn’t. Life is fun enjoy it while you can. 16. You will probably have that night where you go to a party or a night out in town where you’ll drink too much and get beyond the point of wasted, at the time you’ll feel like shit and regret it but after time for me it was a year it becomes something you and your friends laugh at especially when they tell you all the things you can’t remember. 17. “In game theory, it serves you to be two-faced. Be everyone's friend 'til the moment you're not. Make them love you so much that when they're up against you, their own loyalty will act against their own self-interests”. That's game theory. This was taken from one of my favourite TV series prison break. And I think it perfectly describes social interaction between teenagers and young adults. People will use you and you will use people even when that wasn’t your intention. I’ve been used by people id call my closest friends some did it intentionally some not. 18. Find a hobby there is no such thing as an odd or weird hobby, it allows you to find a common interest with people allowing you to make new friends and meet people, when I turned 18 my hobby was cigars, I’d go to various cigar lounges around London and meet people obviously they were older but the best thing about a cigar is the great conversation that comes with it. That’s just my opinion. 19. You will most likely regret the things you didn’t do not the things you did. Don’t dwell on the past and your previous mistakes focus on the present and the future. If there is someone you fancy, ask them out what’s the worst that will happen? They might say yes worst case they say no. but at least you tried. 20. At a nightclub or festival where your surrounded by people you don’t know, never except a drink from anyone if it wasn’t poured out Infront of you. First time I went clubbing I excepted a drink of champagne from someone I didn’t know in one of London’s busiest clubs I was lucky that it was fine. 21. Never shake someone’s hand sitting down and always grip firmly and make eye contact. 22. In a negation never make the first offer. 23. Take the time to talk to a homeless person, they sometimes have the most interesting stories and lessons to teach. Everyone falls on hard times, someone I spoke to was a veteran and ended up losing his home. 24. Friends come and go 25. Never stop in the pursuit of happiness 26. Loneliness isn’t forever. The most popular person may also feel alone. 27. It might not be a good life, but it’s your life so live it. 28. You can never please everyone, live for yourself and not others I know this is a long post but below I’ve left a summary of all the things I’ve done and experienced being a teenager (2012 – 2021) 11-12: Started secondary school where I made new friends and experienced a whole new environment including no more packed lunches. 12-13: Another year of secondary school, made it into the higher level classes for science and IT, at this point I started to experience bullying for the first time from the same person I was friends with the year before, I also entered my schools coding competition where we competed against the neighbouring school in who could create the best game on scratch. During this year I re-kindled a past friendship with someone from primary school whom I drifted apart from. We remain close to this day. (He won the coding competition with a moon landing game). Joined my school’s car mechanics club too. 13-14 3rd year of school, the bullying started getting worse. Applied for the bronze Duke of Edinburgh award ( for the non-brits here it’s an award scheme where the participant has to take part in volunteering, something physical a skill and finally a hiking expedition) no you don’t get to meet prince philip until you complete the gold award too. Picked my GCSE options. Had my first real crush (this was a fiasco in itself) as well as had my first kiss with someone else (another awful experience). 14-15 Aight cool year 10, time to start my GCSE studies and think about the future. The bullying reached its peak I lost it tried to fight him failed sort of, I got a few punched in before teachers came and pulled us apart, spent the rest of that day and the whole next day internal exclusion room, him too. (was oddly fun ngl), might I add that even the headteacher was aware of the bullying and didn’t care neither did the pastoral manager who when I told her about the first time told me to go away and grow up. Completed my Silver Duke of Edinburgh award. I never completed the last level (gold). 15-16 Woo last year of high school time to sit the exams that so many people think will ruin their lives if they fail. Yes the best you do will allow you to go on and do better things like a good university or doing the A levels you want, but it won’t stop you getting the career you want, you will just need to take a different path to get there like I did. Towards the summer I was getting ready to go on Israel tour my first time away from home for more than a week and to a new country without my family. For those of you that don’t know what Israel tour is, it is when you go to the state of Israel for 3 weeks maybe more depending on the tour organiser and see various sites such as the western wall, dead sea, Masada, ride camels in the desert, live on an army base for a few days as part of a small boot camp type thing (my favourite part) and much, much more. On this though I sadly realised that some people can’t be trusted and will stab you in the back, my “friend” liked the same person I did and instead of saying something to me he just spoke shit about me to her. 16-17 Secondary school, been there done that got the fucking t shirt. After not doing as well as I expected to in my GCSE exams, I had to change my plan slightly. I wanted to go into forensic science to do this I wanted to study level 3 Btec in applied science, but because I had failed 2 of my exams (the important ones) I had to do a level 2 course instead (same subject but lower level) during this year being in a new environment from the last I bought and smoked weed for the first time as well as getting my first hangover. During this year I was able to re sit my exams I passed 1 but still failed the other. I realised that the subject I was doing was no longer my passion. I got my first part time job as a receptionist so I could build my first gaming PC. My other close mate: after helping him meet his first girlfriend which by this point was at the 8- or 9-months mark, the 2 of them wanted to help me find someone. After fancying the same girl for the last 3 years at this point they introduced me to someone else, we were all away on a summer camp together so after being introduced we got talking for the next 4 whole days became really close only for on the last night before the big party for her friend to talk shit about me to her (seems to be a pattern here). A week later I had my second snog (kiss, make out, get with) with someone else (whatever u want to call it), this one was decent this happened to me on the NCS award (national citizen service) it’s like the Duke of Edinburgh award. 17-18 As I said before science was no longer what I wanted to do, so I changed to engineering at a new college (community college for the Americans). As I still didn’t have a C grade or above in my remaining GCSE exam, I had to do another level 2 course to pass. I got a new job as a waitekitchen assistant. started talking to another girl who in many ways she was a female version of me, we agreed on everything and got on well had so much in common it was unreal. My mate sadly broke up with his girlfriend so he was on the market too looking for someone else, I suggested to him that for his 18th he should throw a massive party, he agreed. I saw it as the perfect opportunity to make a move on the girl I was talking too; so, I invited her as my plus one. I got to his house early to help setup the house, she arrived about an hour later. I made a poor miss judgment that night and drunk about half a bottle of Russian standard vodka (no mixers). Being my drunk self I stumbled over to her and we began talking, then guess who comes over to us the same girl who cock blocked me previously and she does the god damn same, I have to admit me being as drunk as I was at That point definitely didn’t help. As you could I lost my shit at the person who yet again ruined something for me I went off on one in front of the whole goddamn party by this point the full force of my drinking hit me, I was unrollable cursing at the bitch who for the second time ruined something I had with someone. By this point the girl I invited left early, and my parents were called to pick me up. FYI the party stared at 8 I was home by 9 30 passed out. The girl I invited never spoke to me again I tried to apologise she didn’t really want much to do with me (understandable). My 18th I went clubbing for the first time and experienced a casino for the first time (played blackjack with £25 walked out with £120(I don’t encourage gambling, only play with what you can afford to lose)). The night club itself was something I didn’t enjoy all too much, main reason being there was only a few of us and the club was full of much older crowd than us, drinks where a fortune too, it was fun I enjoyed being out in the capital with my close mates at that time. It’s all about finding clubs that offer student nights where the crowd will be younger. Summertime, before the majority from my year head to university they all host a second school prom a reunion. This night again I learnt that people can and will be 2 faced if it serves them better. A girl who my mate had been helping me get talking to decided that the night before prom at a separate party he would make out with her himself (I was fine with that; I wasn’t at that party). I got invited to pre-drinks at this girls house the minute I walked in something felt off, it wasn’t until later I knew why; I found out my mate had made out with her the night before, unexpectedly he apologised to me (he didn’t need to, however I told him it was fine and move on) I was still hoping to get with her. 20 minutes later Infront of me the same mate of mine and the same girl were making out again (now I was pissed, first you apologise and then 20 minutes later do it Infront of me and everyone making me look like a mug). And again he apologises I played the bigger man held myself back from sparking him in the face and said that once is a mistake, 2 times is a slap in the face) this mate of mine was coming traveling with me 3 days later we didn’t speak until then. I went interrailing (traveling) through Europe with 4 mates that summer. 18-19 What was supposed to be my first year at university turned out to be another year at community college. This was also the start of where things got bad for me, by this point all my friends have had some sexual experience except me. My social crowd at this point is dwindling slowly at the time I didn’t notice I was just being left out more, (looking back, with some of my friends I was a background friend). I was finally on level 3 Btec engineering and have finally passed my last exam that I needed (took 4 attempts but if at first you don’t succeed try, try again). 19-20 (Present) Ok things are bad, I’ve realised that only 2 of my close mates are my only friends ( I walk a lonely road, the only one that I have ever known, don’t know where it goes but its home to me, I walk alone). I knew for a while since the previous summer that most of the people I trust and call my friends don’t care about me. I only ever spoke to them If I was lucky enough to be invited out on the rare occasion (I would usually have to be the one to make the effort). I wanted to rid of the people who don’t care about me, I never thought for a second 2 of my other close mates (separate from the ones I mentioned in 19-20, they will always be my close mates) would be the ones to go first. One of these mates was someone who I had so many memorise with, we went clubbing together, wingmen for each other, I allowed him to get off with someone at my house while I was asleep in the same room (didn’t know until the morning); and now since the start of the coronavirus pandemic we haven’t spoken or seen one another and is telling people it’s my fault. (he and many others know that if I have done something to upset someone I will always be happy to fix it, I hate beefing with people) I realised he didn’t care for me no more, the memories we had together meant so much to me and nothing to him, he’s part of a new social crowd most of them I know and have also tried to get close with but I was never able to. I know I did something wrong to make all these people pull away from me I just don’t know what, I run so many possible reasons through my head but none make sense or seem big enough to make to a huge social crowd no longer want me around (popularity baffles me, it’s one thing I’ve never been nor able to understand). Now in my FINAL year of college and looking at either looking at going to university to study either Aerospace or Electronics engineering, getting an apprenticeship or I may join the army or the royal air force. I kind of wish I studied law. All I really want for my self is a job I’m proud of, something that when someone asks what I do for a living I can tell them and not be embarrassed or ashamed and not have to lie or exaggerate about it. However, before coronavirus hit the UK badly, I started a new part time job in retail pays very well for what it is, and I get nice bonuses I still managed to keep it through the lockdown. Been predicted high grades for my course more than enough for my university choices and the apprenticeships schemes I want. As I said at the beginning, this isn’t goodbye. I’ll still be here offering advice where I see fit giving my wisdom to those who need it. Also, if any of you need to talk or any advice drop me a message on here and I’ll try my best to help. “life is either a daring adventure or nothing at all”
-u/randomhuman_23
Edit: i hope this doesn't get lost in new

I think that this one has been under-reported somewhat but since I work in the online gaming industry, it showed up on my radar.
This SPAC has reached a deal to bring back Paysafe to the market, at a valuation of 9 billions.
What is Paysafe?
Paysafe Group has been consolidating the market for e-wallets and alternative payment methods for years and went back into private hands 3 years ago.
They regroup all the main e-wallets used for online gambling and Forex: Skrill and Neteller and also prepaid cards (to be bought in 7/11 and the like) under the Paysafe brand.
Why e-wallets matter in the online gambling market?
E-wallets and prepaid cards represent about 25% of the volume of payments in online gambling in UK, Europe, Canada and Skrill/NetellePaysafe are by far the biggest names in this field.
https://www.fisglobal.com/-/media/fisglobal/WorldPay/Docs/Miscellaneous/Gaming%20Payments%20Report%202019
Neteller and Moneybookers (as Skrill was known then) were dominating the US alternative payment methods gambling market in the US before they got pushed out in 2007. They still have high name recognition amongst the gambling crowd and web searches in the US for these brands remain high, even if they can’t process much transactions there for gambling since many states don’t have online gambling legislations yet, or very limiting ones.
E-Wallets are often the preferred payment method for gamblers since it allows to move money from one operator site to the other quickly and cheaply. They can also use it as a bankroll segregated from their main bank account/CC and on top of that, Paysafe offers loyalty benefits to users based on their transaction volumes. As such, their user retention is very good.
The prepaid card business is also a major factor for this stock attractiveness. Prepaid cards to be bought in gas stations or the like are often preferred by gamblers who want to strictly control their gambling or those who don’t have access to a CC (maybe because they gambled too much) or those that prefer cash transactions out of privacy concerns…
Why not invest in the gambling operators instead?
Operators such as Draftkings or legacy casino groups are going to make money but the regulatory environment is harsh and gambling taxes are crazy in some states and might keep going higher.
Moreover, the regulations being so fragmented, many smaller operators push in certain states and not others and the competitive environment is broad. Remember that gambling is a fungible good. There is no difference in the casino games that the operators can offer (same game studios, same rules) and aside from bonuses and the margins on sports bets, the only differentiation is in branding, which is a thin moat on a product that often leaves the users disgruntled (losers).
Payments on the other hand are not taxed for their relationship to gambling and there are far fewer players.
How does Paysafe make money?
The margins on their products are pretty high and Paysafe charges both sides of the transaction in the case of the e-wallets and the merchant side in the case of the prepaid cards.
For the use of Skrill and Neteller wallets, Paysafe charges on average 4.5% on the merchant side for deposits and a whooping 9.9% on deposits with prepaid cards… Larger merchants certainly can negotiate these rates down but this is still a healthy fee, much higher than credit card processors.
In markets where Paysafe has established domination they charge a small deposit fee to the user and a withdrawal fee.
For now, they charge no fees to the US users in a bid to grow market share surely but that will probably end some day.
Growth opportunity:
For now, the US online gambling market is still very limited. Most states have not legalized, the majority of those who have legalized only did so for sports betting and then a handful have legalized online casino gaming (where the real money is made). The opening up of the market is bound to grow as states need money and more of the world moves online.
https://www.playusa.com/us/
It is estimated that the online gaming market could reach 25 billions a year in the US in a few years time and 150 billions worldwide.
https://www.gminsights.com/industry-analysis/online-gambling-market#:~:text=The%20North%20America%20online%20gambling,CAGR%20during%20the%20forecast%20period.
https://www.grandviewresearch.com/press-release/global-online-gambling-market
These revenues do not equal to deposited amounts, they equal net deposits (deposits minus withdrawals). The hold % of online casinos can be anywhere between 50% and 80% depending on how degenerate the market is in a given country but we can conservatively assume 60%.
This means that deposits volume in the US alone would reach about 40 billions, Europe about 50 Billions and worldwide 250 billions.
That should give Paysafe around 8-10 billions in transaction volume per year in the US alone , another 10-12 billions in Europe and conservatively, another 20 billions worldwide.
Valuation estimates:
Rough estimates are therefore revenues of about 1.5 billions per year for Paysafe group in a few years for gambling alone.
Paysafe claims 1.5 billions in revenues total projected for 2021, with only a third from gambling.
Even assuming no growth from the other verticals, this means that the total revenues of Paysafe should grow by 66% with gambling alone in the next 5 years or so.
Pysafe is investing a lot into expansion in other areas than gambling, notably video-gaming and remittance so assuming they don’t fuck it up completely, we are likely to see a 3 billions dollar in revenues in the next 5 years.
Using Paypal’s marketcap vs revenues, that would mean 50 billions in marketcap for Paysafe… Of course, Paypal is ingrained deeply in the whole of ecommerce and Paysafe is more specialized in gambling which might be shakier and herefore command a lower valuation.
The deal details are not fully known but it looks like a current valuation of 9 billions for Paysafe Group upon listing.
Based on my estimates, the marketcap could reach 50 billions in a few years time, one US market for gambling fully opens.
$BFT is trading at a 25% premium right now, therefore the estimate is 4x on investment over a few years.
Obviously you retards are not the most patient bunch but I believe the stock will jump when it morphs and so keep an eye out for the options.

Hi,
We are a website that is part of a digital marketing company that operates in the US and Europe. We are looking for a freelance writer who has experience in the online gambling/online casino space.
Knowledge about how casino games work (slots, blackjack, etc) and playing at online casinos (knowing the signup process, welcome bonuses and special promotions, payment options, other insight, etc) is a plus, as well as being aware of current legal US online casinos and the laws revolving around online gambling. The ability to do research on the topics given will be needed. Must be able to write in US English (not UK).
We are offering $0.05 per word.
Please PM with writing samples (published articles preferred) and for more information if interested.
Thank you.

Inspired by the boardgames question. Is the game of contract bridge known? Is it popular? Among what age groups?
Over here, I think it's not well known (people might think it's similar to poker or ask if you go to casinos) and more often played among nerdy youth. Then again, it was really popular among rich adults in the 1920s and 1930s.
As a bonus, you can add what is the most common card game.

How to spot the good from the bad ones. I'm sure most of us have been searching endlessly for a reliable Casino that really looks after their customers. So have I and I can easily say it's not an easy task to make heads or tails from. I'm sure you have been searching for different sites and reading reviews about casinos. And still, it's hard to decide where to try your luck.
From my personal experience both as a player and a gambler, there are a few key things I have learned to look out for when I decide if I'm going to spend my hard-earned cash on a site. First of all, check if the casino holds a valid license, The ones to look out for are UKGC and MGA licenses. If they have both you are already one step closer to finding a reliable operator. Secondly, check for some reviews on how long they take to pay out a withdrawal, keep in mind a casino is not a bank and they do take a while to process a payment. Usually, it will take between 1 to 3 days. And that is pretty standard in the industry.
The key thing to look out for here is, that when you sign up, to get your account verified right away as this will prolong any withdrawal you may request at some point. I have seen that many complain about long processing times for withdrawals.
9 times out of 10 its because of 2 things. The documents have not been submitted or wrong documents have been sent in for review.
Here is a top tip to keep in mind when you do decide to sign up and play.

1. Make sure you have a valid ID. So you can take a photo of it. The whole ID has to show in the photo.
   
2. Have a recent official letter or Utility bill no older than 3 months to verify your address. The whole letter has to be visible in the picture in order for it to be accepted.
   
3. Only use 1 deposit method that you can easily verify. Such as a Bank card or E-Wallet. As you will just have to take pictures of the Card and for the E-Wallet, you need a screenshot of your E-Wallet account.
   

Once you have this and you have decided to sign up on a casino of your choice, send the documents in and get the verification done. Saves you a big headache later on. Before you ask why you have to do this. The reason is simple. The casino operates with a license and a part of the legal requirements is to verify each player, it's that simple.
Now for the more fun part. Casinos offer a variety of bonuses, right of the bat when you sign up you will get a welcome offer with your first deposit if you want it. Please make sure to read the bonus terms on any bonus you might take as there is no such thing as a free lunch. Should you take a bonus with your deposit or free spins there are always terms and conditions you need to follow. The most prominent ones are wagering requirements and maximum bet allowed. These 2 points can vary a lot between casinos and you should always check what they are before you decide whether or not to take a bonus.
For example, Casino A offers you a deposit match bonus of 100% up to 200 Cad, Euro, USD etc.
In the bonus terms, the wagering requirement is given and for this example, let's say it is 50X.
What does this mean? It is very simple to understand. Let's say you want to use the deposit bonus and you decide to deposit 100 Cad, Euro, USD etc. The casino will then match your deposit and give you an additional 100 as bonus money. This amount comes with the wagering requirement. So in order to complete the wagering make a simple calculation. 100*50 = 5000. This means that the 100 you got in bonus must be played until you have turned over 5000 Cad, Euro, USD etc. Should you complete the wagering and you still have funds left once completed, then the remaining money is yours and you can place a withdrawal. Also, keep in mind the second point I mentioned earlier. When you play with bonus funds you are restricted to a max bet per spin. This is usually 5 Cad, Euro, Usd etc. If you bet higher you breach the terms and any winnings will most likely be taken away from you. And there is nothing you can do about it.
Now a more decent wagering requirement is usually 35X and most casinos have this in their terms. Any higher and the wagering becomes almost impossible to complete.
One other thing to keep in mind is that some casinos offer sticky bonuses and some don't. The difference here is like night and day. If you get a sticky bonus it means that all funds turn to bonus money at the start when you take a bonus with your deposit and the funds stay that way until the wagering has been completed or you run out of funds. The non-sticky bonuses are the ones you should look out for. Then your money and the bonus money stay in separate pots and you play your real money first.
I hope this will aid you in deciding where to sign up if you are looking for a good casino, and I will list 3 of my personal favourites below with signup links as well for your convenience.
Captain Spins. https://media.dreamteamaffiliates.com/redirect.aspx?pid=4768&lpid=16&bid=1676
CasiGo. https://media.dreamteamaffiliates.com/redirect.aspx?pid=4769&lpid=27&bid=1779
Jonny Jackpot. https://media.dreamteamaffiliates.com/redirect.aspx?pid=4758&lpid=11&bid=1655
Unfortunately, if you reside in the US you can not sign up. But If you are from Canada or Europe feel free to give them a try.
They have amazing bonuses, customer support and their VIP program are one of the best. You won't be disappointed.

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https://preview.redd.it/dmihxp7uu6e61.jpg?width=1000&format=pjpg&auto=webp&s=84f417ed1d5322744df6a7bd0fbefb2f7e26474f
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I did it today. On my 47th birthday, I reached $3 million in cash & investments, a paid off house & 2 cars. I have reached my FI target of $100k @ 3.3% SWR. I knew it was going to be close with the markets, payday, and my company's equity coming in today.
Plan is to FIRE in 3 months. $3 million was a symbolic number, I could have FIREd 2 months ago at $2.95 million and lived pretty much the same life. However, I am getting another ~$70k in equity in 3 months and would like a bit of a buffer especially with the volatile markets. Also, the plan was to take a nice trip to Europe in August - I don't see that happening.
It is crazy, I know of many people who are laid off, working reduced hours, worried about their job or tapping into debt. And I am making plans to quit working.
​
Mega edit:
Asset allocation
Cash & short term investments: 25% (increased 10% from equities due to C19)
Employer's Equity: 10%
Equity ETFs: 45% (down 10% - sold in early march, will buy back in later)
Bond ETFs: 10%
Crypto: 10%
Please bring on the flames for timing the market, but I sold early-ish, it helps me sleep at night, and right now I am trying to be more conservative vs. aggressive.
The crypto is a flyer. I bought casino level bitcoin in 2012 at $18, then sold a bunch when it went up to $150. Then bought a bunch more at $1000, and have been selling little bits for a few years. Total investment: $45k, total value sold and still held: $500k. I would like to sell more, but it has a capital gains tax liability, so FIRE with no income next year would help reduce taxes.
​
About my journey
Grew up middle class. Money was tight from time to time, but I never really saw that.
Part time job when I was 16 for spending cash. Never went into debt. Saved a little.
Went into a good college for STEM, received $8000 total for tuition from family and received a student loan for $1000. Did a few paid internships while in college. Paid off the loan with my first post-school paycheck.
Graduated in the tech industry in 97. Started full time at the last internship. $40k base. Stayed there for 2 more years, increased base by 20%. $48k base. Left (co-worker left and pulled me), for a ~100% increase. $90k base. Stayed there 6 months (dying ship), left for ~10% increase. $100k base. Stayed there for 2 years (all of my managers up to CEO left in 2 weeks), left for a 0% change. $100k base. Stayed there for 1.5 years, was let go, started consulting at +50% (but no benefits). $150k consulting. Consulted for 8 months, left when project was wrapping up for -40% (+10% from previous full time) $110k base. Stayed there for 11 years (company was acquired 3 after years), increased pay by ~20% in 11 years. $133k base. Left for 5% increase. $141k base. Worked there for 6 months (bad fit), left for 5% increase. $150k base. Here now. Making about 4x after 20 years. Did not include any bonus (or not), benefits (health/retirement/etc...) stock options, quality of life, etc..
​
Current investments
Canadian ETF / funds I invest in in decreasing amounts.
XGRO VCN VXC VAB VT TDB900 TDB902 TDB909 TDB911 Tangerine Balanced (part of emergency fund) TDB661 CDZ
​

This week in MMOS

Adventure Quest Worlds | Aion | Albion | ArcheAge | Ashes of Creation | Black Desert Online | Blade and Soul | Bless | Camelot Unchained | CorePunk | Crowfall | Destiny 2 | Dofus | Dungeon Fighter Online | Dungeon and Dragons Online | Elder Scrolls Online | EVE Online | Everquest | Everquest 2 | Final Fantasy XI | Final Fantasy XIV |Gloria Victis | Guild Wars 2 | ### Legends of Aria | Maplestory | Mabinogi | Neverwinter | Path of Exile | Pantheon Rise of the Fallen | Phantasy Star Online 2 | Project Gorgon | Realm of the Mad God | Rift | Old School RuneScape | Runescape | Skyforge | Star Trek Online | Star Wars The Old Republic | Star Citizen | Tera | Lord of the Rings Online | Tibia | Tree of Savior | Trove | Vindictus | Wakfu | Warframe | World of Warcraft |

AdventureQuest World

August 19th - Welcome Bugs ArchKnights Shoutout to the new bug catchers
August 21st - MindBreaker WyvernRider Set Exclusive set now on sale for $$$
August 21st - Return to the Nightmare Realm MindBreaker class no longer exclusive + weekend event

Aion

Aion North America
August 18th - August Store Update Cash shop update - transformation items
August 19th - Class Master Event Massive 24hour buff based on day/class and new event currency
August 19th - Patch Notes: Shadows Over Balaurea Update Class balancing and other minor changes
Aion Europe August 19th - UPDATE 7.6: NOW LIVE! 2 new ultimate transformations
August 21st - WHEEL OF DESTINY Lootbox has returned
August 21st - WEEKEND SPECIALS Minionite random box available

Albion Online

August 19th - The Offseason Crystal Tournament Starts Saturday First-ever offseason crystal tournament
August 19th - Rise of Avalon Patch 1 - Ver. 1.17.404 / REV 172780 - 19 August 2020 Corrupted/hellgate changes + bug fixes
August 21st - Guild Spotlight: Fire With Fire Interview with a guild

Archeage

August 20th - Glide, Spin and Sneak through Erenor! Cash shop update
August 21st - 35% Bonus for All Credit Packs – ArcheAge: Unchained Credit discount for AA:Unchained

Ashes of Creation

August 21st - NEW ADVENTURE AWAITS Intrepid Studios parts ways with My.Com

Black Desert Online

August 19th - Pearl Shop Update: A Camp and a Keeper Cash shop update August 19th - Summer Gets Twice as Sweet! Summer event extension
August 19th - Patch Notes - 19th August 2020 Class balancing and other minor changes
August 19th - Mysteries of Summer: A Tale of a Fallen Kingdom II Mysterious summer event
August 21st - Mysteries of Summer: A Tale of a Fallen Kingdom II Guide Guide to the mysterious summer event
August 21st - Stay Healthy with the Black Spirit! Free stuff because corona...

Blade & Soul

August 17th - Hongsil’s Treasure Draw (August 2020) Lootbox is back
August 17th - Midsummer Events Extravaganza Preview End of summer events
August 17th - Summer Chill Event Preview Summer event to get swimsuits
August 18th - Midnight Reborn is Now Live! Content update
August 20th - Dawning Star Costume Crate Now Available! Lootbox for costumes and pets

Bless Unleashed

August 17th - SALVAGE AND SELL EVENT AUGUST 20 - 25 Marketplace event
August 18th - PS4 NEW PLAYER CLOSED BETA FAQ FAQ for PS4 CB Players
August 18th - SUMMER OUTFITS AND NEW MOUNT! Cash shop sale
August 20th - PS4 CLOSED BETA STARTS TODAY 8/20/2020 PS4 CB Launch
August 21st - SWEET BLUSH SHEEP PLUSH CONCEPT ART SPOTLIGHT! Insight into the sweet blush sheep plush design
August 21st - BLESS UNLEASHED INTERVIEW WITH KOVEN PARK Interview

Camelot Unchained

No new updates from August 17th to 22nd

Corepunk

No new updates from August 17th to 22nd

Crowfall

No new updates from August 17th to 22nd

Destiny 2

August 20th - DESTINY 2 HOTFIX 2.9.1.3 Minor bug fixes
August 20th - THIS WEEK AT BUNGIE - 8/20/20 Destiny content vault updates

Dofus

August 18th - CHARLIE'S AGENTS: WELCOME TO AERDALA Lore and art

Dungeon Fighter Online

No new updates from August 17th to 22nd

Dungeon and Dragons Online

August 17th - DDO Screenshot of the Week #477 It’s a screenshot… honestly I don’t know what else you expected.
August 21st - The DDO Chronicle: Issue 393 Community news

Elder Scrolls Online

August 18th - CREATE A BUSTLING HUB OF ACTIVITY WITH CHARACTER PATHING Set pathings for NPCs
August 20th - DISCOVER HOW THE NEW GREYMOOR SOUNDTRACK WAS MADE OST insights

EVE Online

August 17th - DREADED COLLECTIVE - NEW UPDATE Triglavian ship changes
August 20th - METALIMINAL STORMS UPDATE NOW LIVE Random storms in nullsec space

EverQuest

No new updates from August 17th to 22nd

EverQuest 2

August 18th - Norrath is heating up with GU 115: Reignite the Flames! New raids
August 20th - Solusek's Eye is upon You! New raid preview

Final Fantasy XI

No new updates from August 17th to 22nd

Final Fantasy XIV

August 17th - Leve Turn in Checkbox and Additional Housing Leve quest changes
August 20th - Adventurer Celebration Sale Ending Soon! Cash shop sale
August 20th - The Rising Returns! Anniversary event returns

Gloria Victis

August 20th - Weekly Update 236 – Share your Feedback! Quality of life changes and minor bug fixes

Guild Wars 2

August 18th - Calm Yourself with the Mystic Lotus Chair Cash shop sale
August 18th - Celebrating Guild Wars 2’s Eighth Anniversary Anniversary event

Legends of Aria

No new updates from August 17th to 22nd

MapleStory

August 19th - Cash Shop Update for August 19 Cash shop update
August 19th- v.216 - Astral Blessings Update Preview Update preview and end of burning world
August 21st - What's Your MapleStory? - EvanelleOnyx Interview with player

Mabinogi

August 17th - Notice of Service - Ukraine & Crimea Ukraine (sans Crimea) is now a serviceable region

Neverwinter

August 17th - Avernus Hunt Key Bundle! New key bundle available
August 17th - Patch Notes: Version: NW.122.20200708b.16 The first part of the redeemed citadel is now available
August 19th - 2x Storm King's Thunder Currency! Get 2x storm king’s currency till the 27th
August 19th - 2x Glory! 2x PvP points
August 20th - 20% off Companions! Cash shop sale
August 20th - VIP Only - 50% off Improved Bag of Holding! Rank 3 VIP members 50% discount

Path of Exile

August 17th - Harvest Fan Art Competition Runners-Up Runner up submissions for art contest
August 18th - Patch 3.11.1f Deployment and Full Patch Notes Patch notes
August 19th - Harvest Statistics: Unique Items, Maps and the Most Deadly Areas Statistics..idk I don’t play PoE
August 20th - Path of Exile Is Coming to macOS in September! PoE coming to macOS
August 21st - Racing Gauntlet Community Event This Weekend - Huge Sale on Footprints, Portals and Character Effects Community event + cash shop sale

Pantheon: Rise of the Fallen

No new updates from August 17th to 22nd

Phantasy Star Online 2

August 17th - CAMPAIGN: COMPLETE CLIENT ORDERS! (8/19) Party with others and get rewards
August 17th - CELEBRATING 1,000,000 ARKS! Event
August 18th - URGENT QUESTS & CONCERTS: AUGUST 2020 - PART 2 More Events and in game concert August 18th - NEW URGENT QUEST: DIGNITY OF STEEL UNLEASHED New urgent quests
August 18th - NEW URGENT QUEST: THE LUNAR PHANTASM MATRIARCH New urgent quests
August 18th - CAMPAIGN: QUEST TRIGGER DISTRIBUTION (8/19) Quest trigger handout + sale
August 18th - FUN SCRATCH TICKET: AUGUST 2020 - PART 2 New lootbox rotation
August 18th - AC SCRATCH TICKET: EARTH DEFENDERS (8/19) New lootbox
August 19th - NEW CONCERT: ARKS DANCE FESTIVAL! New concert schedule
August 20th - CASINO BOOSTS (8/23) Better chances to win at the casino
August 21st - ACCOUNT MEASURES TAKEN FOR DISHONEST ACTS RMT and harassment bans
August 21st - PSO2 DAY: PREMIUM USER APPRECIATION DAY User appreciation event

Project Gorgon

August 17th - All About the Guides Program Insight into player moderators

Realm of the Mad God

August 19th - Patch Notes 1.0.2.0 - Ancient Ruins & more Ancient ruins area
August 21st - Realm of the Mad God Exalt End of flash client support on September

Rift

August 19th - Call to Action: Budgie Madness Racing event
August 19th - Midweek Madness with 20% Credits Bonus! Get 20% more credits with any purchase

Old School RuneScape

August 17th - 10th Annual Golden Gnome Awards - Nominations Now Open! Award details
August 18th - A Porcine of Interest New quest and polls

RuneScape

August 17th - 10th Annual Golden Gnome Awards - Nominations Now Open! Award details
August 18th - This Week In RuneScape Weekly roundup

Skyforge

August 18th - Class packs are available for purchase! Unlock any class with cash
August 19th - Sale: Sun Worshipper Pack Cash shop outfit on sale
August 19th - Warm Breeze is here! Login event

Star Trek Online

August 17th - Cross Faction Support Carrier Bundle New carriers on the C-Store
August 19th - PC Patch Notes for 8/20/20 Minor bug fixes
August 20th - 20% Ship Sale! Cash shop sale
August 21st - Carrier Bundle Wallpaper! Downloadable wallpaper

Star Wars: The Old Republic

August 19th - Steam-Inspired Login Reward and Shae Vizla Returns! Login rewards

Star Citizen

August 17th - This Week in Star Citizen Weekly recap
August 18th - August 2950 Subscriber Promotions Subscriber stuff
August 19th - KAIZEN: Interview with Imperator Candidate Mira Ngo Lore dump
August 19th - Star Citizen & Squadron 42 Roadmap Update Updates to the development roadmap
August 19th - Foundational Moments in Human History Lore dump
August 21st - TRANSMISSION Insights into the FPS weapons and systems
August 21st - Environment Art AMA Recap Recap of AMA

Tera: The Exiled Realm of Arborea

August 21st - TERA Battle Arena Spotlight 1 Hero spotlight for the upcoming battle arena

The Lord of the Rings Online

August 21st - The LOTRO Beacon: Issue 172 Community spotlight

Tibia

August 21st - Character Auctions Release Date August 25th character auctions will be available

Tree of Savior

No new updates from August 17th to 22nd

Trove

August 20th - Summer of Dragons Sale Cash shop sale August 21st - Luxion is back with buddies until August 24 Luxion is back

Vindictus

No new updates from August 17th to 22nd

Wakfu

August 17th - DEVBLOG: THE NEW MINERAL TOWER Changes to mineral tower
August 18th - BETA 1.69: NOW ONLINE! Beta 1.69 is ready to be tested
August 20th - DRAGOTURKEY RUN New run available

Warframe

No new updates from August 17th to 22nd

World of Warcraft

August 18th - Weekly Bonus Event: Arena Skirmishes PvP arena event
August 19th - Follow the Tides of Music From Battle for Azeroth Listen to the BFA OST
August 19th - Shadowlands Preview: A New Look for the WoW Companion App Preview of changes to the companion app
August 19th - Arena World Championship Circuit Viewer's Guide Watch the pvp world championship starting aug 22nd
August 20th - Engineer’s Workshop: Recreating the Ahn’Qiraj War Effort Development insights
August 22nd - Engineer’s Workshop: Enabling Ray-Traced Shadows in Shadowlands Development insights
August 22nd - Cataclysm: Mounts, Pets, and More How to get stuff from Cataclysm
August 22nd - Hotfixes: August 21, 2020 Bug fixes

Good luck today guys, hope everyone makes some tendies

Edit 8:30PM Thanks for the love and awards guys, hope everyone ended the week off positive, enjoy your weekend.

Of note for Airlines (LUV, DAL, AAL, UAL), the Airlines for Americas trade association says the industry needs “immediate financial assistance” to protect the 11mln jobs it represents.
Of note for Banks (JPM, C, MS, BAC, GS), the Fed is encouraged by a notable increase in discount window borrowing as banks show a willingness to use the window as a funding source to support the flow of credit to households and businesses.
Of note for Car Rental Services (HTZ, CAR), both Hertz and Avis Budget Corp have requested aid from the US government.

Dow Jones

Apple Inc. (AAPL) supply chain is reportedly still facing supply disruptions even as China recovers due to factory closures of suppliers in Malaysia. Elsewhere, it has limited the number of purchases on its iPhones to two per customer in the US and China, according to Canalys.
Boeing Company (BA) is reportedly leaning towards a temporary halt of operations at its twin-aisle jetliner factories due to the spread of the coronavirus, according to people familiar with the matter, in a similar move to Airbus (AIR FP).
Johnson & Johnson (JNJ) Global Supply Chain Officer Wengel announced its supply chain is currently holding steady and meeting patient needs.
Walmart (WMT) announced it is planning to give special cash bonuses for hourly associates for their work during the current conditions with full-time associates receiving USD 300 and part-time associates receiving USD 150, which will equate to USD 365mln. WMT is to also accelerate its next bonus for store, club and supply chain associates which will equate to USD 180mln, overall it will equate to USD 550mln, the co. says. WMT is to also hire over 150k hourly employees as the number of shoppers increases.

Nasdaq 100

Amazon.com Inc. (AMZN)– Some sellers state its decision to stop receiving non-essential inventory in response to the coronavirus pandemic could limit sales they need to make payments on its loans from Amazon.
Tesla (TSLA) announced it decided to temporarily suspend production at its Fremont, California factory and NY Factory after March 23rd. Elsewhere, CEO Musk announced his factories are working on ventilators to address a potential shortage.
United Continental Holdings (UAL) – Apollo Global Management (APO) has reportedly purchased part of the airlines USD 2bln loan from a group of banks, according to people familiar with the matter.

S&P 500

Accenture plc (ACN) had its PT cut at a number of brokers, however, they were positive on its ability to continue through the coronavirus crisis.
AFLAC Inc (AFL) American Family Life Assurance of Columbus and New York agreed to acquire Zurich North America's US corporate Life and Pensions. AFL expects the acquisition to be dilutive to 2020 adj. EPS by USD 0.02 to 0.03.
Altria Group Inc (MO) announced it is temporarily suspending operations at its Richmond manufacturing center.
Anthem Inc. (ANTM) announced it is offering up to 80 hours of paid emergency leave for qualifying needs, including if associates are experiencing coronavirus symptoms or for caring for young children whose school has been closed.
AT&T Inc. (T) announced it has cancelled is accelerates share repurchase programme of USD 4bln worth of stock, noting the impact of the coronavirus could be material although it cannot currently estimate the impact onto its financial or operational results.
Bank of America Corp (BAC) announced it is offering additional support for its consumer and small business clients in response to the coronavirus, where clients can request funds including overdraft fees, non-sufficient funds fees, and monthly maintenance fees through deposit accounts. Many customers can also request to defer any payments.
Carnival Corp. (CCL) preliminary Q1 20 (USD): EPS 0.22 (exp. 0.27), revenue 4.8bln (exp. 4.66bln); coronavirus resulted in a net loss of 0.23/shr.
Cintas Corporation (CTAS) Q3 20 (USD): Adj. EPS 2.16 (exp. 2.02), revenue 1.81bln (exp. 1.8bln), gross margin 45.5% (exp. 45.7%, prev. 44.9% Y/Y); announced it is not providing guidance for Q4 20 and it is suspending FY20 guidance due to uncertainty surrounding the coronavirus.
Coty, Inc (COTY) provided an update on the current situation: Expects Q3 20 revenue to fall approximately 20% like for like, with a meaningful impact on profit, it has also withdrawn FY20 guidance. It is recommending to the board that shareholders be given the option to receive up to 100% of their quarterly dividend in kind for the coming two quarters. Its largest shareholder JAB decided to fully repay the loan it used to finance the tender offer in 2019. It is taking initiatives to manufacture hand sanitizer. Notes activations on Amazon have seen US sales nearly double in recent weeks, as well as launching the Kylie skin-care Europe in upcoming weeks; it is also preparing for increased demand post coronavirus.
Danaher Corp. (DHR) announced the US FTC is on board with the acquisition of General Electric’s (GE) Life Sciences Biopharma Business. The closing of the deal is still subject to customary closing conditions as announced in the agreement, but DHR expects the deal to close on March 31st, 2020.
Ford Motor (F) announced it has plans to suspend production in Argentina and Brazil starting next week due to the coronavirus.
Kohl's Corp. (KSS) announced it is to close its stores nationwide through to at least April 1st, although customers will still be able to shop on its App. It also withdrew guidance for Q1 and FY20.
Mylan N.V. (MYL) announced it is increasing production of its malaria drug for potential use to combat the coronavirus.
Occidental Petroleum (OXY) is reportedly planning on naming its former CEO Stephen Chazen as its new chairman as it tries to improve amid weak demand and activism from Carl Icahn, according to WSJ citing people familiar with the matter.
Sysco Corp. (SYY) announced it will donate 2.5mln meals over the next four weeks as part of its response strategy to help against COVID-19. Elsewhere, it has withdrawn its three-year plan guidance due to the impact from the coronavirus.
Tiffany & Co. (TIF) Q4 19 (USD): Adj. EPS 1.80 (exp. 1.77), revenue 1.4bln (exp. 1.36bln); SSS +3%, SSS Ex-Hong Kong +5%, Gross Margin 63.3% (Prev. Y/Y 63.8%). Announced it will not be issuing FY20 guidance due to the pending merger with LVMH

Other

Crowdstrike (CRWD) Q4 19 (USD): Adj. EPS -0.02 (exp. -0.08), Revenue 152mln (exp. 137mln); FY21 Adj. EPS view -0.14 to -0.10 (exp. -0.18), revenue view 723-733mln (exp. 685mln)
Samsung (SSNLF) has reportedly been hit hard by Vietnam’s travel restrictions from South Korea, fueling concerns its Galaxy Note smartphones will fall behind schedule in its largest manufacturing hub outside South Korea
Teva (TEVA) announced it will be donating over 6mln doses of hydroxychloroquine sulfate tablets across the US to meet the urgent demand for the medicine as an investigational target to treat the coronavirus.

Additional US Equity Stories

Of note for casino names (MGM, CZR, WYNN, MLCO); Macau has halved its 2020 gaming revenue forecast due to the coronavirus and predicts a 56% fall from previous year to USD 16bln.
US Steel (X) Q1 20 (USD): Adj. EPS view -0.80 (exp. -0.84), EBITDA 30mln.
Coca Cola (KO) does not expect to meet its FY20 guidance, although does not foresee any near-term interruptions to its concentrate or beverage-based production. Meanwhile, it had its PT lowered at Deutsche Bank to USD 53/shr from USD 64/shr, although the desk reiterated its long-term buy rating.
Ross Stores (ROST) announced it is to temporarilty close all of its stores throughout the US due to the coronavirus.
Dollar Tree (DLTR) announced it is hiring 25,000 associates (both full and part time) to help across its stores in the US.
Synaptics Inc. (SYNA) downgraded to Underweight from Neutral at JP Morgan
Colgate Palmolive (CL) upgraded to Buy from Neutral at BofA
Accenture (CAN) upgraded to Buy from Neutral at MoffettNathansonMonster Beverage

This week in MMOS

Adventure Quest Worlds | Aion | Albion | ArcheAge | Ashes of Creation | Black Desert Online | Blade and Soul | Bless | CorePunk | Crowfall | Destiny 2 | Dofus | Dungeon Fighter Online | Dungeon and Dragons Online | Elder Scrolls Online | EVE Online | Everquest | Everquest 2 | Final Fantasy XI | Final Fantasy XIV |Gloria Victis | Guild Wars 2 | Maplestory | Mabinogi | Neverwinter | Path of Exile | Pantheon Rise of the Fallen | Phantasy Star Online 2 | Project Gorgon | Realm of the Mad God | Runescape | Skyforge | Star Trek Online | Star Wars The Old Republic | Star Citizen | Tera | Lord of the Rings Online | Tibia | Tree of Savior | Trove | Vindictus | Wakfu | Warframe | World of Warcraft |

AdventureQuest World

August 4th - The BugHunters are recruiting Looking for players to assist the QA team find bugs
August 7th - NecroTech Knight Upgrade Bonus New set available when you spend $10 or more
August 7th - Demon Queen Boss Battle Indonesian independence day event

Aion

Aion North America
August 5th - Frosty Fever Event Summer PvE event - get loot or buffs
Aion Europe
August 5th - THE GREAT DAEVANION EVENT Event - higher chance to upgrade daevanion gear
August 5th - REVENGE OF THE GRANKER KING Event - kill special mobs in gelk/ing and get loot
August 7th - WHEEL OF DESTINY Loot box promotion
August 7th - WEEKEND SPECIALS Cash shop promotion

Albion Online

August 4th - New Player Video Guides AO mod created YT ch that answers common questions
August 5th - Guild Spotlight: Victi Omnes Interview with a guild
August 5th - First Look: The Rogue Adventurer Bundle Promotion for a new cash shop outfit and mount set
August 6th - Watch the Crystal League Finals on AlbionTV Guild season is coming to an end
August 7th - The Offseason Crystal Tournament is Coming Tournament announcement

Archeage

August 6th - ArcheAge: Discounted Garden of the Gods Packages Cash shop sale on Garden of the Gods packs
August 7th - Up, Up and Away We Go! Cash shop update

Ashes of Creation

August 2nd - Ashes of Creation Coloring Book Downloadable coloring book
August 3rd - BOONS OF THE WAVEBORN Cash shop promotion

Black Desert Online

August 5th - Loyal Attendance Rewards Refreshed Daily attendance rewards have been changed
August 5th - Pearl Shop Update: Enhancement Pack Cash shop update + new cash shop outfit available
August 5th - Patch Notes - 5th August 2020 Bug fixes, events and class balancing
August 5th - Great Summer Festival Summer event

Blade & Soul

August 3rd - August Hongmoon Store Update Cash shop update

Bless Unleashed

August 4th - WEEKLY EVENT AUGUST 3 - 10 2X drop rate, and mount taming success event

Corepunk

No new updates from August 2nd - August 8th

Crowfall

August 7th - Crowfall Beta is Coming August 11 - Prepare for Battle! Signup now for a chance to access a closed beta test

Destiny 2

August 4th - DESTINY 2 HOTFIX 2.9.1.2 Minor bug fixes August 6th - THIS WEEK AT BUNGIE - 8/06/20 Weekly recap
August 7th - COMMUNITY FOCUS: DREXIS Interview with Drexis

Dofus

August 5th - SUMMER SALES: FINAL MARK-DOWN! Merch store discount
August 5th - ANKAMA LAUNCHER: NEW INTERFACE FOR ALL YOUR GAMES! Revamped game launcher is available
August 7th - ANKAMA LIVE: DOFUS RETRO SPECIAL EDITION Livestream and in-game event details
August 7th - THE RETURN OF GROZILLA AND GRASMERA Monster hunt event
August 7th - [CONTEST] INTERNATIONAL BOW MEOW DAY! International cat day event - screenshot contest

Dungeon Fighter Online

August 4th - DFO Content Creator Guidelines Guidelines for content creators

Dungeon and Dragons Online

August 3rd - DDO Screenshot of the Week #475 Weekly screenshot highlight

Elder Scrolls Online

August 3rd - CROWN STORE SHOWCASE—AUGUST 2020 Cash shop sale
August 6th - ANNOUNCING ESO’S NEXT-GEN SUPPORT PS5 and Xbox SX will be supported
August 6th - SAVE UP TO 50% AND PLAY FREE DURING QUAKECON AT HOME Free play week and discount on cash shop currency

EVE Online

August 4th - METALIMINAL STORMS - NEW UPDATE Spacestorms will appear at random in nullsec space
August 6th - SLICE OF LIFE Upcoming stream promotion and PvP event details
August 7th - FOUNDATION DAY EVENT IS LIVE Login, get free stuff
August 7th - NEW ABYSSAL PROVING GROUNDS EVENT PvP event details
August 7th - UPCOMING ABYSSAL PROVING GROUNDS EVENTS Upcoming PvP event details

EverQuest

No new updates from August 2nd - August 8th

EverQuest 2

No new updates from August 2nd - August 8th

Final Fantasy XI

August 3rd - Unveiling The Voracious Resurgence Special Website! Special site is up for a new storyline in the world of Vana’diel
August 5th - The Sunbreeze Festival Summer event is back
August 7th - Discount Campaign Get the game along with all the expansions for $9.99 USD
August 7th - Return home to Vana’diel campaign Returning players event
August 7th - Presenting a New Wallpaper Commemorating The Voracious Resurgence! Download a new wallpaper by Akihiro Yamada

Final Fantasy XIV

August 3rd - Watch the Latest Installment of Duty Commenced US team’s live stream.
August 3rd - FINAL FANTASY XIV Fan Kit Released! Wallpapers release for mobile and desktop
August 3rd - Letter from the Producer LIVE Part LIX Digest Released Dev talk replay available
August 5th - Changes to the FINAL FANTASY XIV Starter Edition Heavensward added to the starter edition
August 5th - Changes to A Realm Reborn Main Scenario Quest Requirements Store progression in the base game has been updated
August 6th - Patch 5.3─Reflections in Crystal Site Update Teaser site updated
August 7th - Patch 5.3 Notes (Preliminary) Patch notes for upcoming 5.3 patch

Gloria Victis

No new updates from August 2nd - August 8th

Guild Wars 2

August 4th - Festival of the Four Winds 2020 Begins Next Week Annual summer event returns
August 4th - Cool Off under Your Ice Reaver Cape Cash shop update
August 7th - World vs. World Weeklong Bonus Returns August 14 PvP channel event

MapleStory

August 3rd - [Updated] Nexon Merch Store is Back! Get MS merchandise on Amazon
August 5th - Cash Shop Update for August 5 Cash shop sale/new item rotation

Mabinogi

August 3rd - Community Livestream - 'P.E.T. Part 2' Update Preview Livestream that shows off the PET Part 2 update
August 4th - Art Corner - 2nd Edition Fan art highlight

Neverwinter

August 5th - 2x Underdark Campaign Currency! Double currency drop event
August 6th - Limited Time Magnificent Keyring! Lootbox promotion
August 7th - Updated Roadmap Q&A Stream - August 11, 2020 Roadmap Q&A Stream on Aug 11th

Path of Exile

August 3rd - Our 3.12 Expansion Timeline Dates for upcoming content
August 3rd - Afterlife cat pet New cash shop pet available
August 4th - Harvest fan art competition highlights Featured fan art from ongoing competition
August 4th - Undead outcast helmet skin New cash shop item
August 5th - Harvest statistics: crafts, lifeforce and the avatar of the grove Stats on the most used crafts
August 5th - Doomcrow wings New cash shop item
August 6th - Community Organized Event - 8 Day Racing Gauntlet Starts on August 22nd! Racing event
August 6th - Automation lightning armour set New cash shop outfit
August 7th - Community showcase Fan art highlight
August 7th - New Skill Effects and Super Stash Sale New cash shop cosmetics

Pantheon: Rise of the Fallen

No new updates from August 2nd - August 8th

Phantasy Star Online 2

August 3rd - FUN SCRATCH TICKET: AUGUST 2020 - PART 1 Lootbox promotion August 3rd - MISSION PASS: SEASON 6 Monthly achievement system rewards
August 3rd - AC SCRATCH TICKET: MAESTRO SUMMONER Lootbox promotion
August 4th - PSO2 ON STEAM: BONUS LOGIN REWARDS! Bonuses for logging in through steam
August 4th - CAMPAIGN: JOIN AN ALLIANCE! (8/5) Join an alliance, get rewards
August 4th - CHALLENGE OTHERS IN THE BATTLE ARENA! New PvP content
August 4th - LEVEL UP FASTER WITH BONUS QUESTS! Leveling event
August 4th - CAMPAIGN: WELCOME BACK TO PSO2! Returning player event
August 5th - URGENT QUESTS & CONCERTS: AUGUST 2020 - PART 1 Event
August 5th - NEW URGENT QUEST: BEACH WARS! Summer event
August 5th - BEACH WARS BEACH-WEAR! Summer cash shop promotion
August 5th - NEW REWARDS BUNDLE FOR XBOX GAME PASS ULTIMATE MEMBERS! Xbox game pass ultimate members will get rewards
August 5th - NEW EPISODE 4 LAUNCH BUNDLES! Cash shop bundles
August 5th - SUMMER IN PSO2! Summer event details
August 5th - PSO2: STEAM LAUNCH REWARDS Rewards for playing through steam
August 5th - CASINO BOOSTS & BONUSES! (8/8) Casino promotion

Project Gorgon

No new updates from August 2nd - August 8th

Realm of the Mad God

August 4th - AuguST ST STreak - x1.5 XP and droprates! Discord Q&A! Janus is there too. 1.5x event
August 5th - Patch Notes 1.0.1.0 - Oryx changes, Discord Nitro Boosting Rewards and more Patch notes... duh

RuneScape

August 3rd - THIS WEEK IN RUNESCAPE Weekly digest
August 7th - Double XP LIVE has begun! 2x exp event

Skyforge

August 4th - Ready Player Sun: Free Gift & 30% Off Sale! Freebies and 30% off on the cash shop
August 5th - Sale: Hall of Trophies - August 5, 2020 Trophy sale

Star Trek Online

August 3rd - Free Lower Decks Duty Officers! Get officers from the new show to join your crew
August 3rd - PC and Console Patch Notes for 8/4/20 Events, balancing and minor fixes
August 5th - PC Patch Notes for 8/6/20 bug fixes

Star Wars: The Old Republic

August 3rd - SWTOR In-Game Events for August New events

Star Citizen

August 3rd - August 3rd - This Week in Star Citizen Weekly insight
August 4th - Portfolio: Otoni Group Lore
August 4th - DISCOVER THE SPEED, POWER, AND UTILITY OF NEW & REWORKED VEHICLES Overpriced vehicles for sale
August 5th - ALPHA 3.10 FLIGHT & FIGHT Patch highlights
August 6th - Star Citizen Monthly Report: July 2020 Monthly update on development
August 7th - TRANSMISSION Inside star citizen stream PTU
August 7th - TRANSMISSION Weapons creation process
August 7th - Roadmap Roundup - August 7th, 2020 Dev decision insights

Tera: The Exiled Realm of Arborea

August 3rd - Get ready for TERA in 64-bit! 64bit tera client coming soon
August 3rd - Get Ready to Mask Up! Buy digital masks and support real doctors
August 6th - TERA Battle Arena Update: Gameplay Patch preview

The Lord of the Rings Online

August 4th - UPDATE 27.2 RELEASE NOTES Content update
August 7th - The LTRO Beacon Issue 170 Community spotlight

Tibia

No new updates from August 2nd - August 8th

Tree of Savior

August 3rd - Medeina's FLEX BOX Do content, get boxes, open for loot
August 3rd - Summer TOSventure Event Summer event
August 4th - Like & Comment Event: ToS Task Force is back with Second Event! Facebook event
August 4th - World Map Reorganization World map update preview
August 4th - Update Plans for the Second Half of 2020 Update plans
August 5th - New Original Sound Tracks Available - August OST Video

Trove

August 4th - Take the Lunar Plunge until August 18 Event
August 4th - Dive into Deals for Lunar Plunge until August 18 Cash shop promotion
August 7th - Luxion’s First Arrival in August – Lasts until Aug. 10 Luxion’s store refresh

Vindictus

No new updates from August 2nd - August 8th

Wakfu

August 5th - SUMMER SALES: FINAL MARK-DOWN! Merch store discount
August 5th - ANKAMA LAUNCHER: NEW INTERFACE FOR ALL YOUR GAMES! New game launcher
August 6th - SHELLS AND CRUSTACEANS PACK Cash shop promotion

Warframe

No new updates from August 2nd - August 8th

World of Warcraft

August 3rd - WoW Classic Ahn’Qiraj: The Scarab Lords are Rising! Join the war effort
August 4th - The Pet Battle Bonus Event Has Begun! Pet PvP event
August 4th - Jump Into This Week’s PvP Brawl: Hotmogu Weekly PvP rotation
August 4th - Explore the Temple of Ahn’Qiraj and Ruins of Ahn’Qiraj Raid content available

Not Financial Advice (NFA)
Warning: Wall of Text. If you hate reading just skim through the bolded/italicized
Ever since I publicized my findings on DKNG, the stock has underperformed & probably has fucked a lot of people here, especially given the overly bullish stance back in June. Unless you took my advice & got into Puts then, congrats, welcome to tendie town. For the ADHD retards, here’s what the next wall of text is going to summarize: I believe at the current price of ~$30, the stock is oversold.
A tech-focused, high-growth Company that has made sports betting easy to understand with an aesthetically pleasing interface similar to how Robinhood has neatly laid out stock market gimmicks so even high-schoolers can make sense of it I believe, is underpriced at these levels.
Let’s get into some details as to why the stock has underperformed:
First off, the news slate revolving sports with the rumored delay/cancellation of the MLB season & the NFL watching from the sidelines is in my view, just a part of why the stock has underperformed. We’ll revisit this later in this post, but I want to focus on the drivers of the stock’s recent underperformance, & why these factors are now in the rearview mirror.
Part I – The Past Has Passed – SPAC-related Equity Dilution
History lesson first: DKNG went public via a SPAC merger, which has exploded in popularity recently. Anyone serious about analyzing stocks going forward needs to do their homework on this, Google is your friend.
A feature of most SPAC merger to public listings that creates a headwind to near-term share prices are embedded equity dilution events, usually in the form of earn-outs (stock bonuses to execs, the SPAC sponsor) & conversion of Warrants.
On 5/24, the earn-outs were triggered, adding 6m shares to the share count.
On 6/26, 16.3m warrants converted to DKNG, netting them ~$188m of cash.
Stepping back a little, in addition to the above, on 6/18 DKNG launched a follow-on equity offering of 16M shares @ $40/Share [1], receiving $621M in proceeds.
The last part is tricky to understand from a dilution perspective. To simplify, historically it’s almost a coin toss whether a Company’s shares outperform on the onset of an equity offering. While issuing shares does dilute the existing shareholder base, it theoretically shouldn’t, if the proceeds from the offering are earmarked for investments/projects that yield outsized returns. This is the reality for the long term, theory for the short-term. For the short-term, the ‘reality’ isn’t that the proceeds will be used for investments/projects that yield outsized returns, it is more about how convincing management is to investors that the investments they intend to pursue with the proceeds will outweigh the dilutive effects of issuing incremental shares. That’s a mouthful, but hopefully you get what I’m trying to convey.
All of this stuff put together – the Company has increased its share count by ~39M, but now has a whopping ~$1.4Bn of cash [2]. More on this in the next section.
Part II – MLB News Should Not Fucking Matter & DKNG Is Positioned As the Leading Online/Mobile Sports Platform
DKNG should not be so tied to MLB news or any of this shit as the ongoing success of the NBA/NHL season + Soccer in Europe has effectively created a blueprint on how to regulate player behavior so that they maintain professionalism amidst the pandemic. I’m going out on a whim here, but I truly think the MLB threatening a cancellation of the season is pure posturing to get these fuckers to behave appropriately. Maybe a ‘bubble’ is what it takes to get these players to focus on their jobs instead of going out & contracting COVID, but I argue that isn’t necessarily required given Soccer in Europe. So there’s already a proven path here without the need for a bubble in Soccer, so MLB/NFL should be fine, and execs need to study how they got it done in Europe. Okay, back to some facts.
Anecdotally, I’ve kept in touch with a handful of sports bookies from California to New York & even internationally about what they’re seeing – all of them say that since the NBA season started on 7/30 & since Soccer (especially the Premier League) resumed in June, along with other leagues like La Liga & Serie A, they’ve seen massive increases in betting.
These numbers are also showing up in the official data [3]:

• Average % increase in sports betting handle from April 2020 to June 2020 (handle is the total $ wagered in sports bets) from the states that reported up to June 2020 (NJ, PA, MS, RI, WV, IA, IN, NH) of +258%!
  
  • Note: NV is left out due to the site I sourced showing a weirdly negative number – so I dug into the official filings & show specifically, Sports Mobile betting growth from June since April has growing by at least +73% [4]

REMEMBER: This is for June only! No NBA, No NHL, No MLB, just Soccer, Golf, NASCAR & UFC.
The data clearly shows that there was a ton of pent-up sports betting demand, which leads one Wall St. analyst to think that betting on the NBA/NHL could ABSORB the MLB’s sports betting handle (handle = total $ size of sports bet) [5]. Remember, the MLB season is still ongoing, with games being played. The entire focus is on the Miami Marlins & St. Louis Cardinals. Fucking retards.
Additionally, I want to remind everyone that DraftKings.com is the #1 Fantasy sports website in the U.S. [6]. Also, since April 2020 site visitations are up +86% [7] & Google Search Trends for “Draft Kings” is up ~3x compared to PRE-COVID levels [8]. What does this mean? They are piquing more people’s curiosity than prior to COVID/ongoing slate of sports.
This is important because remember that ~$1.4Bn chest full of cash I mentioned DKNG had assembled earlier? Well, that money is being put to work & results are already coming in, which is exactly what DKNG intended to do with it.
Part III – Legalization of Sports Betting in the U.S.
I could write a fucking bible on this topic alone, but for now we’ll stick to some basics. Due to COVID, it’s easy to understand that each State’s financial situation is clearly in shit. Because of this, you better believe that these guys are going to start taking a hard look at how they can extract additional tax revenues, & what’s one of the easiest ways to do this? Legalization & taxation of gambling.
The big players: CA, TX, FL & NY. First, CA pushing its legislation out to 2023 was fucked up, but here’s a twist I want to add to this: Anything that has to do with gambling in CA you better believe is lobbied against by not just the Tribal casino owners in CA, but by the deep pockets of Las Vegas money. Similar thing can be said for FL, but let’s take a look at some actions by LV/nationwide gambling companies that are starting to align financial incentives with guys like DKNG.

• MGM / GVC Holdings JV in BetMGM - $450m total invested
• PENN invests $163m into BS Sports
• Caesars has a 20% stake in William Hill plus partnership deals with The Stars Group (TSG) & our winner DKNG for operating its sports books

So it’s safe to say going forward, nationwide legalization of sports betting will reap rewards for everyone involved, & no longer be something LV money is completely focused on safeguarding.
Let’s also not forget that DKNG didn’t become the Company they are today because of their fancy app, but because their management team has a HISTORY of navigating the U.S.’s legal framework to get what they want out of it.

• The Crown Jewel – The Internet Gambling Prohibition & Enforcement Act: I said it in a previous post, but I want to emphasize that them getting Fantasy Sports to be labeled a ‘game of skill’ by FEDERAL Law as opposed to gambling is just something for the history books. Fucking genius shit. When this happened I bet every casino from LV to every Indian Tribe that has one was against it, yet DKNG & other DFS providers won.
• There’s more, but more recently: Getting into IL:
  
  • In IL, there’s an 18-month ‘penalty box’ for Companies that offer DFS to offer sports betting. Our guys at DKNG created a workaround to this situation with their partnership with Casino Queen [9]. DKNG being savvy again.

These guys are at the cutting edge of creating legal frameworks to successfully launch their products & now with more of their ‘competitors’ financially aligned with them, combined with financial deterioration of State budgets, we should see an overweighting of good news vs. bad on the legal front.
Final Part – Share Price Targets
Under-fucking priced at anything below $42.50
Near-term catalysts:
8/14: DKNG files 2Q’20 results, might be shitty, but you can bet that the Earnings Call is going to contain rhetoric on how massive the uptick in sports betting has been since late June/July.
Sometime from now until November: NY releases ‘study’ by Spectrum Gaming on online/mobile sports betting.
8/20 – 9/7: PGA Championship for FedEx Cup Title
9/5 – KY Derby
9/10: NFL KickOff Game
9/17: PGA U.S. Open Start Date
Month of October: NBA/NHL Playoffs
10/1: Estimated launch of online sports betting in TN
11/1: Estimated launch of online sports betting in VA
[1] https://draftkings.gcs-web.com/news-releases/news-release-details/draftkings-announces-proposed-public-offering-class-common-stock
[2] Wall St. Research – DKNG on 6/29/20
[3] https://www.legalsportsreport.com/sports-betting/revenue/
[4] https://gaming.nv.gov/modules/showdocument.aspx?documentid=16984; Note: Nevada did not break out April/May figures but from the Revenue difference of 3 month ended June 30 of 4,950 vs. month of June of 2,297 for a total difference of 2,653 spread evenly over April/May for a base case April estimate of 1,327.
[5] Wall St. Research - 7/27/20
[6] https://www.similarweb.com/top-websites/category/sports/fantasy-sports/
[7] https://www.similarweb.com/website/draftkings.com/#overview
[8] https://trends.google.com/trends/explore?geo=US&q=draft%20kings Feb 23-29, 2020 vs. Current Aug 2 – Aug 8, 2020
[9] https://www.legalsportsreport.com/42314/draftkings-illinois-sports-betting-market-access/

This week in MMOS

Adventure Quest Worlds | Aion | Albion | ArcheAe | Ashes of Creation | Black Desert Online | Blade and Soul | Bless | CorePunk | Crowfall | Destiny 2 | Dofus | Dungeon Fighter Online | Elder Scrolls Online | EVE Online | Everquest | Everquest 2 | Final Fantasy XI | Final Fantasy XIV |Gloria Victis | Guild Wars 2 | Maplestory | Mabinogi | Neverwinter | Path of Exile | Pantheon Rise of the Fallen | Phantasy Star Online 2 | Project Gorgon | Realm of the Mad God | Runescape | Skyforge | Star Trek Online | Star Wars The Old Republic | Star Citizen | Tera | Lord of the Rings Online | Tibia | Tree of Savior | Trove | Vindictus | Wakfu | Warframe | World of Warcraft |

We’re testing out a new format for the weekly post and we’ll keep testing till it gets to be as good as it can, so let us know if this format is more readable and user friendly than the last.

Also I hate you Vindictus and your 13 stupid updates in one week!

AdventureQuest World(Click for more details)

July 20th - AQWorlds Patch Notes Several bugs were fixed
July 24th - Final Weekend: Unlock the Flameborn Summoner The seasonal set for July is the Flameborn + Underworld Summoner sets.
July 24th Tonight: The DOOM Continues… Doomwood part 2 this weekend + daily gift of dark spirit orbs and gold boost
July 24th - New Rare Set: Doom DragonSlayer New set available in your featured gear shop until August 31st

Aion (Click for more details)

Aion North America No new updates from July 19th - 26th
Aion Europe
July 24th - WEEKEND SPECIALS Marchutan’s Pyjama Party Box and Kaisinel’s Hermit Box available

Albion Online (Click for more details)

July 22nd - Rise of Avalon Launches August 12 Rise of Avalon update will bring massive new features including the Roads of Avalon, Corrupted Dungeons, Avalonian Weapons, and more.
July 22nd - Rise of Avalon Update Now on Staging Log into the Staging server and test out the new features coming with the next update!
July 23rd - Albion Online on GeForce Now It's official: Albion Online is now playable via the GeForce Now platform.
July 24th - Dev Talk: Roads of Avalon, Part 3 Our newest video discusses placing Hideouts and living within the Roads of Avalon.

Archeage (Click for more details)

July 23rd - Making a Splash! Marketplace Update, new pets, outfits, and more.
July 24th - Flash Sale: 30% Bonus for All Credit Packs! Purchase as many Credit Packs as you want from July 24 until July 27, 2020, and receive the 30% bonus on each one!
July 24th - The Double Event returns once again! From July 24th until July 27th, make sure to get the most out of your double loot drop rate, double vocation points, double experience points, and double honor

Ashes of Creation (Click for more details)

No new updates from July 19th - 26th

Black Desert Online (Click for more details)

July 22nd - Into the Unknown Mysterious Island and Pit of the undying events
July 22nd - Pearl Shop Update: Memories of Summer Cash shop update with upgrade materials on sale + Outfit sales
July 22nd - Trail of Summer Event for Kakao cash + other goodies
July 22nd - Play for a Free Game Pass Hit level 50 on a trial account and upgrade it to a permanent account
July 22nd - Patch Notes - 22nd July 2020 Massive list of changes and bug fixes
July 23rd - Tuvala Invitational PvP event + Tournament
July 24th - WEEKEND FLASH SALE: A Camp and a Keeper From Friday to Monday get special discounts

Blade & Soul (Click for more details)

July 21st - Dark Passage is Now Live! The newest update for Blade & Soul is now LIVE! Read through the patch notes for the latest changes.
July 22nd - Shining Summer Blessings Chest Now Available Cash shop update/Loot Box promotion
July 23rd - Hongmoon Store Update Cash shop update + Cash currency bonus till august 19th

Bless Unleashed (Click for more details)

July 21st - RELEASE NOTES New Events and Bug Fixes
July 22nd - PREPARE TO FIGHT! Bless Unleashed’s first competitive PvP Season is about to begin!
July 23rd - COMMUNITY INTERVIEW WITH ROUND 8 STUDIO

Corepunk (Click for more details)

No new updates from July 19th - 26th

Crowfall (Click for more details)

No new updates from July 19th - 26th

Destiny 2 (Click for more details)

July 22nd - THE OFFICIAL DESTINY COOKBOOK Bungie made a cookbook yo
July 23rd - DESTINY 2 COMING TO XBOX GAME PASS This fall D2 will be on Xbox Game Pass
July 23rd - THIS WEEK AT BUNGIE Destiny cookbook and more this week at Bungie

Dofus (Click for more details)

July 25th - 50% OFF ALL SERVICES From 7/25 to 7/26th enjoy a 50% discount on all services

Dungeon Fighter Online (Click for more details)

July 20th - Scheduled Maintenance Gunner (M) Neo Awakening and more

Elder Scrolls Online (Click for more details)

July 22nd - STORM A FORTRESS OF THE UNDEAD IN CASTLE THORN Content Preview - Stonethorn
July 22nd - ESO Live: July 24th - Character Pathing & Contest Winners Tune in to ESO Live this Friday to get an inside look at the new Homestead Character Pathing system coming with Update 27
July 23rd - MEET THE CHARACTER—ARKASIS Loredump and exposition

EVE Online (Click for more details)

July 21st - TRIBUTE TO THE FALLEN Cool player made cemetery in game - worth the read!

EverQuest (Click for more details)

July 21st - EverQuest Special Release Vinyls are Live! Vinyls of the OST from Everquest are now available for a limited time

EverQuest2 (Click for more details)

July 22nd - Like the twisting hands of time, Tinkerfest returns! Store update and events

Final Fantasy XI (Click for more details)

No new updates from July 19th - 26th

Final Fantasy XIV (Click for more details)

July 20th - Letter from the Producer Live Part LIX URL Update Latest update from the FFXIV Dev Team - Watch it in the link below.
July 22nd - Patch 5.3─Reflections in Crystal Trailer is Now Live! Trailer for Reflections in Crystal
July 22nd - Important Announcement Regarding the Japanese Fan Festival Due to Covid-19 the festival has been canceled

Gloria Victis (Click for more details)

No new updates from July 19th - 26th

Guild Wars 2 (Click for more details)

July 21st - Voice Acting in Episode 4 of The Icebrood Saga Due to Covid-19, Jormag Rising will be released without voice acting
July 21st - Charge into Battle with the Wolfheart Sword and Shield Cash shop update + new Wolfheart sword + shield skin
July 23rd - Guild Chat: A New Claw of Jormag Latest episode of Guild Chat
July 24th - Knocking on Jormag’s Door peek into the development of the Assault on the Frost Citadel meta-event

MapleStory (Click for more details)

July 23rd - v.215 - Rise: Surge of Power Patch Notes Familiar system is back, and a massive list of bug fixes and some events
July 24th - NA Reboot Double Miracle Time Compensation Compensation for server instability
July 24th - What's Your MapleStory? - MagesticaIly Interview with a longtime player of the game

Mabinogi (Click for more details)

No new updates from July 19th - 26th

Neverwinter (Click for more details)

July 21st - 2x Icewind Dale Campaign Currency! This coming week, players will get double Icewind Dale Campaign currencies!
July 22nd - 2x Professions! morale costs will be halved, allowing you to do 2x as many profession tasks in a day.
July 23rd - 20% off Campaign Buyouts! 20% off Campaign Buyouts starts Thursday, July 23
July 23rd - Patch Notes: Version: NW.122.20200708b.4 Lots of small changes and bug fixes
July 23rd - Limited Time: Alpha Compy in Zen Market! The Alpha Compy companion is available in the Zen Market for a limited time!
July 23rd - 20% off Professions! This weekend - 20% off Professions sale in the Zen Market
July 23rd - Steam Publisher's Weekend Bonus Zen! Celebrate Summer on Steam with discounts or bonus Zen

Path of Exile (Click for more details)

July 20th - Angels and Demons Mystery Box Concept Art Amazing concept art dump for the A&D Mystery Box
July 21st - Developer Interview - Eben - Video Creation Interview with one of the employees at Grinding Gear Games
July 21st - The Labrador Pet Labrador pet is now available
July 22nd - Harvest Fan Art Competition Highlights Highlights of submissions from the ongoing fan art competition
July 22nd - The Seraph Banner Back Attachment New back attachment is now available
July 23rd - The Infernal Quiver and Wolf Howl Warcray Infernal quiver to match the infernal bow skin
July 24th - Development Stories: Timelines & Retcons Developer’s thoughts on how they go about adding to the story of PoE
July 24th - New Void Emperor Wings and Weekend Sales Cash shop update and new skin for wings

Pantheon: Rise of the Fallen (Click for more details)

No new updates from July 19th - 26th

Phantasy Star Online 2 (Click for more details)

July 20th - CAMPAIGN: DAILY LOG-IN REWARDS! free EXP 100,000 TICKETS to those who log in from July 22nd to July 29th
July 20th - CAMPAIGN: QUEST TRIGGER DISTRIBUTION Free Defense Op: Ending Trigger will be handed out from July 22nd to August 21st
July 22nd - FUN SCRATCH TICKET: JULY 2020 - PART 2 New FUN Scratch lineup
July 22nd - CAMPAIGN: CLEAR ULTIMATE QUESTS! Event : Ultimate quests and rare drop rate boosted
July 22nd - PSO2 DAY: PREMIUM USER APPRECIATION DAY Premium users receive a boost and 2x SG 22 Ticket
July 22nd - URGENT QUESTS & CONCERTS: JULY 2020 - PART 2 Update to Urgent Quests and In game concert dates
July 22nd - LAST CHANCE TO GRAB THE RAGOL FASHION PACK! The Ragol Fashion Pack and Ragol Edition offers end this July
July 22nd - FRESH FINDS SHOP: RECOMMENDED ITEMS Cash shop update - new apparel in the shop
July 22nd - AC SCRATCH TICKET: SHINING HEROES Spend cash for a chance to earn cash outfits based on the shining series of games
July 23rd - PSO2: NGS ANNOUNCEMENT CELEBRATION Log-in to receive up to 5,000,000 EXP in tickets and many other fantastic prizes!
July 23rd - ANNOUNCING PHANTASY STAR ONLINE 2 NEW GENESIS Game announcement post with details about the game
July 24th - CASINO BOOSTS Higher chance to win and better rewards at the casino during limited hours

Project Gorgon (Click for more details)

No new updates from July 19th - 26th

Realm of the Mad God (Click for more details)

July 22nd - Oryx 3 Release and Patch Notes Oryx’s Sanctuary is officially out - lots more details in the link below

RuneScape (Click for more details)

July 20th - THIS WEEK IN RUNESCAPE Summer events and more
July 22nd - Interface Scaling & Camera Offset Beta Interface Scaling is now on a RuneScape beta world for you to try!

Skyforge (Click for more details)

July 20th - Atlas Node Contest: Winners Winners announced for May’s Atlas Node Contest!
July 21st - Invasion Pass Progress Sale Cash shop sale on progress points
July 22nd - MY.GAMES Market: Worker Bee Pack** Bee companion on sale now

Star Trek Online (Click for more details)

July 20th - Mudd Has Faith of the Heart! Cash shop special pack on sale
July 22nd - PC Patch Notes for 7/23/20 Minor fixes in the game
July 23rd - Bonus Dilithium Weekend! Get 50-100% bonus dilithium from july 23rd to 27th

Star Wars: The Old Republic (Click for more details)

July 21st - SWTOR is on Steam! The game is on steam yo!

Star Citizen (Click for more details)

July 22nd - TRACKER: Paul LeSalle’s Plan for the UEE Giant lore dump
July 24th - Inside Star Citizen Star Citizen Devs talk about the game’s development
July 24th - Star Citizen Live: All About Alpha 3.10 Dev’s talk about Alpha 3.10
July 24th - Roadmap Roundup Minor changes and delays explained
July 25th - Intragalactic Cook-off 2950 Cookbook Recipes created by the players inspired by the game

Tera: The Exiled Realm of Arborea (Click for more details)

July 21st - Summerfest2020 Two Summer events available till August 11st

The Lord of the Rings Online (Click for more details)

No new updates from July 19th - 26th

Tibia (Click for more details)

July 21st - Bugfixes and Content Changes Several fixes and changes listed in the post
July 22nd - New Retro Hardcore PvP Game Worlds On July 29th two new Retro Hardcore PvP Game Worlds will launch
July 23rd - Result of Fugue Exploit Investigation An exploit allowed players to farm a boss more than intended

Tree of Savior (Click for more details)

July 20th - Special Flight Package Cash shop special until August 11st
July 21st - Winners: MusCATeers Second Event Check out the winners and their winning screenshots
July 24th - List of Issues: July 24 List of known issues and what is and isn’t a bug.

Trove (Click for more details)

July 24th - Stay Cool Sales Until July 28, 2020! Cash shop update
July 24th - Luxion is back until July 27! Luxion’s loot is a way for players who missed limited-time items in the past to pick them up.

Vindictus (Click for more details)

July 20th - Channels for Event Selected! YouTubers selected for the YouTuber Support Event
July 20th - Lethor Update New Character Teaser - Lethor
July 20th - v.2.66 Updates Lethor now playable
July 20th - Elite Crystal Loot box promotion - chance at some outfits
July 20th - Cool Summer Comrade Package New Cash Shop Outfits
July 20th - Lethor Avatar Shop Update & More Bunch of cosmetics available for new Lethor class in the cash shop
July 20th - Summer 2020 Hot & Golden Time Event Summer Sales and free boosts
July 20th - Diligent Daily Missions Event! Event - Clear dailies, get extra rewards
July 20th - Let's Go Together! Event Event - play with your guild and get buffs/outfit
July 20th - Sprouting Together Event Event to help new and existing players grow and some nice rewards
July 20th - Let’s go, Lethor! Level Up! Leveling even for new playable class
July 20th - Royal Army & Abyssal Arena's Secret Box Event - Arena and Royal Army special rewards
July 20th - Round & Round Raid Dice Game Event Event - Clear content, get dice, roll and get rewards
July 20th - Lethor's Celebratory Package Event Event - Get the new class’s outfit for free for logging on

Wakfu (Click for more details)

July 23rd - THE EXPERIMENTATION EMOTE IS IN THE SHOP! New Emote available in the cash shop

Warframe (Click for more details)

July 20th - WARFRAME: HEART OF DEIMOS Catch the full reveal during TennoLive and get Hydroid Prime free

World of Warcraft (Click for more details)

July 21st - Weekly Bonus Event: Battlegrounds Get extra honor in the battlegrounds this week
July 21st - Jump Into This Week’s PvP Brawl: Packed House Brawl PvP Event Details
July 21st - Weekly Bonus Event: Warlords of Draenor Timewalking Players level 101+ can participate in six Warlords of Draenor dungeons for special loot
July 22nd - Get Your Groove On During the Auction House Dance Party Micro-Holiday July 22! Event - Auction house dance party details
July 23rd - Time Runs Short: Battle for Azeroth List of rewards that will become hardeimpossible to obtain once shadowlands hits.
July 24th - Hotfixes: July 23, 2020 List of hotfixes