Top Free to Play MMORPG Sites I wanted to delve into a topic today that is not touched on much. The top free to play MMORPG Sites. We all want to talk about the top free to play MMOs and why this one is better than that one, and why MMO A kicks MMO B's ass, but we never talk about the sites that actually give us the fodder for these arguments.
So here it is, the top free to play MMORPG Sites by me, The Top 10 Gamer. 5. MMO Huts. MMO Huts, or formerly MMO Hut which most likely changed due to bulk backlink buying! Just kidding, I have no idea why they changed. MMO Huts has a great list of giveaways and a huge list of MMORPG Games. As soon as a game is announced, they will have a page for it https://emzigames.com/.
They have OK video content, not the best, not the worst, and they have a decent community with ONRPG, so the forums are a hit. Decent MMORPG Editorials and previews and a sister pinterest type site add to its charm. Cons, the main page looks like one large advertisement wall, you have to hunt for any of their content. 4. MMO Bomb. MMO Bomb is another site that inundates you with ads, but hey, it's a business. They are one of the least updated sites on this list, with posts coming typically every other day. They have great video content with their First Looks, podcast and weekly MMORPG News, but nothing beyond that. They do have an extensive list of Free to Play Games, which makes it one of the better sites to do some research on your next game and they have a decent amount of giveaways going on at any one time.
The community is there, but careful of posting anything spam related or you'll get banned! Lame. Cons, most of their top 10 lists are super old, and the site has looked the same forever. 3. MMO Attack. This one is probably one of the least known, but it's hard to understand why. They have daily MMO news posted on the site, and follow it up with a daily video. They have a few other MMO shows with a slew of hosts that really put a face to the otherwise bland world of 'admin' posts on many other sites in the genre. Of all the sites on this list, they are the best in terms of Video content, they have consistent giveaways going on, and the site is easy to navigate. Cons, the community is lacking in most areas, and their MMORPG list is a bit lower than most the other sites. 2. MMORPG.com. MMORPG.com has been around forever, and while that is great news in many aspects, it also kind of shows on their website, it's got ALOT going on, and it can be confusing. But let's look past that and pretend you know what you're looking for. They have it all. In-depth reviews on all MMORPG games, a huge community on the forums, great blogs by both their members and developers who willingly post on their site consistantly, and it's one of the best places to go for ratings of games, as the huge community base really gives a consistent showing by voting.
Cons, the site is a mess to look at, which i mentioned before. 1. Massively. While Massively is not technically only for Free to Play MMORPGs, they cover ALL MMORPGs, so they definitely belong on this list. Why are they number one? Well, a few reasons. They cover a ton of games, the page is clean and easy to navigate, they don't just do news, but do reviews, and walkthroughs and have really in-depth coverage of most of the top games in the genre. They have a large community, a host of live-streamers and great writers. You'll find them at all the top events and why wouldn't you? They are owned by Joystiq, which is owned by AOL Tech which is owned by AOL. So yeah, they've got a lot of money. Cons, they have almost no video presence at all.
So there's my list. If you have any that you'd like to add, you can let me know in the comments below. But other than that, be sure to like and subscribe to me, the top ten gamer, for more top ten lists.
In closing, I'd like to share with you one of my favorite scenes from the movie, which I think really hits home. For the opposing view, Mr. Baum. I gotta stand for this. Okay, hi. My firm's thesis is pretty simple, Wall St. took a good idea, Lewis Renierie's mortgage bond, and turned it into an atomic bomb of fraud and stupidity that is on his way to decimating the world economy.
- How do you really feel? - I'm glad you still have a sense of humor. I wouldn't if I were you.
Now, anyone who knows me knows that I have no problem telling someone they're wrong. But for the first time in my life, it's not so enjoyable. We live in an era of fraud in America casinoslots sa.
Not just in banking, but in government, education, religion, food, even baseball. What bothers me isn't that fraud is not nice or that fraud is mean. It's that, for fifteen thousand years, fraud and short-sighting thinking have never ever worked. Not once. Eventually, people get caught.
Things go south. When the hell did we forget all of that? I thought we were better than this, I really did. And the fact that we're not doesn't make me feel alright and superior. It makes me feel sad.
And as fun as it is to watch pompus, dumb Wall Streeters be wildly wrong - and you are wrong, sir - I just know that at the end of the day, average people are going to be the ones that are gonna have to pay for all of this. Because they always, always do. That's my two cents. Thank-you. Does our bull have a response?
Only that in the entire history of Wall St, no investment bank has ever failed unless caught in criminal activities. So, yes, I stand by my Bear Stearns optimism. - Mr. Miller, I'm sorry, quick question.
From the time you guys started talking, Bear Stearns' stock has fallen more than 38%. Would you still buy more? (Nervously) Yeah, sure, of course I'd buy more, why not? - Boom.
This availability caused housing prices to go up because the house was virtually certain to be paid for by the bank issuing the mortgage. And you might be thinking, "well, so what? Wouldn't the S&P or other rating agencies still give those tranches a 'C' rating?" In a perfect world that's exactly how it would work.
But not in the world of investment banking. Initially, the bonds would be ascribed a 'C' rating and wouldn't sell. So what do the banks do?
They take the bonds that don't sell and they pile them up in a portfolio that rating agencies deemed to be diversified enough to receive a AAA-rated rating. See where the problem lied? In 2007 alone, $500b in housing bonds were sold. As these mortgages continued being issued to people who were unable to afford the premiums, the default rates increased.
In 2006, the default rate was 1%. In 2007, it was 4%. The default rate only had to reach 8% for the entire housing market in the United States to collapse in a chain reaction. And in 2008, that's exactly what happened.
So what did our protagonists do? They shorted the bonds. A short position, or short, is a sale of a borrowed security, commodity, or currency, with the expectation of the asset falling in value. In the Big Short, Michael Burry does this with mortgage-backed securities. Michael goes into a series of banks and ask to borrow a billion dollars in mortgage bonds with a short position, asserting that he believes that the bond is going to decline in value - meaning that the housing market is going to stumble or collapse. How a short position works, is that party a borrows a billion dollars worth of bonds from party B and sells them immediately on the market.
In the future, Michael is expected to return the borrowed bonds by repurchasing them at the future value which is expected to be lower. When this happens, Michael keeps the difference. The common consensus is that the housing market has been the strongest investment for the past 30 years, and it is beyond foolish to bet against. However, Wall St is greedy and will take advantage of "foolishness" when given the chance. To sweeten the deal, Michael requests a contract in payment in the form of a credit default swap.
A credit default swap is a financial tool available for those who want to purchase insurance on an investment. How it works is that party A buys a bond issued by party B. Party A, feeling uncertain about whether party B will default on the payment of the bond or not, can offer to buy a credit default swap from an insurance company, party C. So Michael takes all of the investment pool he owns and puts it into purchasing mortgage-backed securities and corresponding credit default swaps. From 2006 to 2008, when millions upon millions of Americans defaulted on their mortgages, this caused the tranches to subsequently default on their payments of the bonds. As you remember from earlier, these were awesome investments at the time.
And trillions of dollars, trillions, went into the purchase of these bonds and their derivatives. So in 2008, when the roof caved in, Michael Burry walked away with a personal profit of $100m. Well everyone, I hope you enjoyed this explanation of The Big Short and I hope it makes a little bit more sense to you now.
Listen, open the darn Fed window. He has no idea how bad it is out there, he has no idea! He has no idea! -Cramer... I have talked to the heads of almost every single one of these firms in the last 72 hours and he has no idea what it's like out there, none!
And Bill Poole has no idea what it's like out there! My people have been in this game for 25 years! And they are losing their jobs and these firms are gonna go out of business And he's nuts, they're nuts! They know nothing!
You may be old enough to remember exactly how bad fiscal year 2008 was for America. If so, you were probably one of eight million people that lost their jobs as a result. But if you're like me and you were too young at the time to understand what was going on, allow me to explain exactly what happened and why.
A little finance 101 to get us started. When an organization needs to raise money, one of the ways it does so is by issuing bonds to investors. Bonds are a lot like their title infers, they are a contract to pay a lump sum at a predetermined date, along with any and all recurring interest or coupon payments over the life of the bond. Unlike stocks, the value of your bond does not decrease based on the value of the company.
The bond is exactly that - a bond between two parties. Because of this, bonds are generally seen as safer investments. So in the late nineteen seventies, Lewis Ranieri came up with the idea of a mortgage-backed security. But what is a mortgage-backed security? Well, let's dissect this quick. So the bank issues mortgages but these mortgages have a perceived risk of the customers defaulting on the payments.
The bank doesn't want to take on the risk involved in these mortgages, so it gathers up hundreds of mortgages and sells them to a trenche. A tranche is essentially a pool of like-investments. So this tranche takes in all of these mortgage loan payments and is in business. The tranche in turn issues bonds leveraged against the income provided by the mortgage payments.
So you and I and even the banks can buy these bonds that are sold by the trenche. In fact, a lot of pensions bought into these bonds because they have a high return with relatively low risk because it's.. a mortgage.. who the hell doesn't pay their mortgage? However, the banks doubled down on these bonds because they received a commission for not only selling the mortgages to the trances, but they also received the benefit of buying the bonds leveraged off of these same mortgages. The banks won big time and took on none of the risk because if some of the mortgages didn't get paid - the bond still got paid. But if the bond still gets paid, how did these mortgage-backed securities cause the economy to go into a deep recession?
Well, because the company can go out of business and default on its creditors, there is some risk involved. To measure the degree of risk involved in the purchase of a certain bond, there are rating agencies such as the Standard and Poor's and Moody's. Each of these agencies rate the amount of risk involved in each investment based on an alphabetical system, where a AAA-rated bond is a significantly safer investment than a C-rated bond - which is commonly known as a junk bond.
So, because these huge banks were incentivized issue more mortgages to in turn sell to trenches and buy securities off of, they started unscrupulously issuing more mortgages - mortgages that were issued in great numbers to people with shitty to no credit scores. Mortgages that were unlikely to be paid. At this point, anyone could get a mortgage. Even the high school dropout living off of welfare.
Hey, welcome to another fireside chat with no fire. And today I just wanna talk about I'll maybe do a little venting here and it's not a new topic, it's not a new thing of conversation, but you know with these fireside chats I can always just be a little bit less professional, stumble over my words more, but it has to do with gambling. Is trading gambling?
Is the stock market gambling? Is insert some sort of market out there, the future's market, the currency markets, the options market, I can't even believe I'm saying this anymore, but the cryptocurrency markets, are all those markets, is that just flat-out gambling? And a lot of people seem to think so.
And this really all kind of started for me and this wasn't the first time, but when it really hit home, I still remember I was talking to my mom on the phone and she was kind of not her normal peppy self, it sounded just like, I don't know, I think she might have something on her mind. And eventually it came out and she said, "You know, Clay, are you being safe?" Basically, "Are you being responsible Instadebit casino Canada?
"Are you being wise? "I mean, if you were just some single guy, "then, okay, that's different, but are you being wise? "You have a wife, you have kids." And I'm thinking, what? Am I being wise?
"Cause I talked to a guy at work "and after I told him kind of what you do "and how you invest in real estate "and you trade the markets, he said that, "oh, trading the stock market, that's gambling. "I mean, that is very risky thing to be doing. "There is a whole lot of gambling that goes into that." And it literally, I don't want to say freaked my mom out, but it was clearly on her mind in a big way where she flat-out addressed it with me and you could tell it was heavy on her shoulders. In some senses, that really irritated me because come on, we all like our moms, right?
We all love our moms. I don't want to see my mom all downcast like that, downtrodden because she thinks that I'm putting my wife and my kids all at risk because I'm out there just as a degenerate gambler because I trade the markets. I've done videos on this before but I just want to kind of, like I said, do a little venting and just kind of throw out a question. So maybe you are somebody that you're surrounded by others and you're telling them what you want to do. "Oh, that's just gambling."
"Oh, you know your uncle so and so? "Aunt such and such? "They tried that and they lost all their money "because it's just one big gamble." You know what, anything in life can be turned into a gamble. You want a real quick example? Cross the street with a blindfold on.
Don't look both ways, I guess you could look both ways cause you have a blindfold on, but also plug your ears, too. That way you can't cheat and listen for things. There you go. Crossing the street is a gamble in and of itself. How do you make crossing the street better? How do you improve the odds of that gamble?
Well, what are we taught as kids? Hey, look, there's no cars coming. My probabilities are in my favor that I'm not gonna get steamrolled by a semi truck.
And the same thing applies to trading the markets. And again, this all is coming from these are just a couple that I chose, but I just want to kind of so you have a frame of reference that, "Oh, Clay is just being a drama queen. "He's probably experienced one person in his life." No, let's go through a couple comments and then also I want to listen to an excerpt from a podcast that at the time of this recording of this video, I did the interview yesterday and it really just sunk in, it was a good time because I had planned to do this video anyways and then he made the comment which you're gonna hear here in just a second and it was just like, alright, confirmation, Clay, you definitely need to do this fireside chat. So let's just look at a couple different comments real quick and these are just a few of many that I've gotten on YouTube over the years. This person says, "Any form of day trading is gambling.
"No one can effectively time and beat the market. "Don't forget the short term capital gains, taxes as well. "Think of it this way, if it sounds "too good to be true, it probably is.
"If trading made people lots of money, "everyone would be doing it. "In the end, you don't profit much. "Markets are efficient."
Online bingo comes with a lot of advantages. It is simple to play and easy to access. You also get free cash and bonuses while playing the game online. Bingo is a simple game and is fun to play. In addition to this, you can enjoy the game in the comfort of your house without having to go out to bingo halls. The outcome of a game cannot be calculated and hence the mystery makes it a lot of fun and nobody can be better than the other which makes it a fair game.
Since you are playing this online, you have unlimited access and can play as long as you want. If you are the kind of person who doesn’t enjoy crowds and a lot of nosey talk, this is the perfect option for you. If you do enjoy talking to other people there is an option that allows you to chat while online.
Online bingo makes use of software for marking numbers unlike the normal bingo where you will have to mark them yourselves. With a lot of online bingo websites, you can now play it 24 hours a day. If you have a webcam, you will be able to see the players as well.
You can play it for free as well as for money. Though mostly played for entertainment, you can also make a lot of money playing this. Since this game depends on luck there is not much one can do to ensure the outcome. Most people start off playing for free before they switch to playing for money. It is a family game which even kids can play but while playing for money, one needs to be careful not to get addicted as there is a good chance one could addicted to this game as it is fun to play.
Extraordinary Gambling Feats
Over the long, rich and varied history of gambling, some people have achieved some extraordinary feats with gambling. Here are some of them:
In the year 1950, a sailor walked into the Las Vegas Desert Inn and made history at the crap table. With the dice at craps, he won 27 straight passes. Experts have calculated the odds against such an event: 12,467,890:1. Although the sailor only won $750 since he was unwilling to bet high, but he could have won as much as $268 million if he had bid the house limits every time. The dice has since been enshrined at the casino.
Sean Connery has also beat enormous odds at gambling. In January 1963, Connery was playing Roulette at the Casino de la Vallee in Saint-Vincent, Italy. It seems his lucky number for the night was 17 as he bet on it three times in a row and won every single time. The odds of such an event occurring are 50,000:1. Connery won $27,000 that night.
Nick ‘The Greek’ Gambler is a known legend in the world of gambling. In the year 1949, he invited another gambling legend Johnny Moss to play poker in Las Vegas. The two players created history by playing poker for five straight months only stopping for sleep. The highest hand won was by the Greek when he won $500,000 in one shot. However, when he had lost over $2 million, he called an end to the game saying, “Mr Moss, I’m afraid I have to let you go.”
Henry VII King Of England did not always win at the gambling table, even though he was a very passionate gambler. Legend has it that, in the course of one game, he bet and lost a gigantic church bell. It is the first time in history for such an event to have happened.
Sometimes my complacency with living in the 21st century makes me forget certain facts that were somewhat important back in the day. Butter provides an excellent example of this. I buy butter, I take butter home, I place said butter in the refrigerator for later use.
Back in the time before refrigerators, butter was a product that had to be used sooner than later, as it tends to turn rancid after a set period of time. Because of this, butter, as we know it, never really took off in areas of Mediterranean Europe. This, even though the butter making process had been known since as far back as perhaps 8000 or 9000 BCE. Butter did take off in areas of the world where either...
...had a cooler climate which prohibited butter from become rancid at an advanced rate, or...
...developed a process/technology that removed the water content from butter, essentially removing any risk of spoilage.
This simple difference in climate and technologies helped shaped a great many food cultures we take for granted today. Southern Italian, Greek and Mexican cuisines get their facts from places other than butter. German, Northern French, and a great majority of Indian cuisines (in the form of Ghee) have a great many dishes where the fats come from butter. I love this kind of "cuisine etymology", where the type of food one eats is dependant upon such a minute variable as the ability to store butter for an extended period of time.
Speaking of Ghee (and how many times have you heard THAT segue? None, I bet), when talking about butter in history, ghee has to be mentioned. It was recognized early as a very important component of life in what is now present day India and Pakistan. So much so, that it made it into various religious rituals. Sound familiar? That's because the Catholics ascribed the same level of significance to olive oil. You can say a lot about human nature, but one thing is for certain - We humans love our fats.
Expect more on butter (including a few select recipes) over the next few weeks.
2001 Erdener Treppchen Riesling Auslese
Once again, I have the fine opportunity to indulge myself in a Riesling while I am playing my favourite online casino games. I tell ya' doing these tasting notes is a tough business.
We're on the second bottle of our Riesling experience, and I have to say I'm a happily surprised. Well, I probably shouldn't be, as there were some items on the wine label that let me know that this wine had some potential...Auslese, for example, is a good sign for me, as I like my Rieslings a tad sweet. Auslese generally indicates more attention had been paid attention to the grape, having been picked at the peak of ripeness, or at least we hope. Same could be said for the "Qualittswein mit Prdikat", which of course goes to follow, as a German wine can only be deemed "Auslese" if it is "Qualittswein mit Prdikat". Okay, that may not make any sense...read this for more on these titles.
Eyes: Golden yellow with a distinct tint of green. It has a soft rim, meaning it's nearly translucent where the wine meets the glass. Giving the wine a quick twirl shows a thinner Riesling from what I'm used to. Walls of the wine hold the wall of the glass, but they very quickly dissipate, with thick...well I hesitate to call them "legs". On sight it looks to be a sweet but thin wine.
Nose: Okay, I know this is going to sound peculiar, but the wine smelled musty and has a bit of a cat-pee aroma. I've read that a "cat-pee" aroma can mean either good or bad.
Taste: Very good. Sweet, a little like pineapples, but also a little drier than what I've had in other Rieslings. It holds the tongue fairly well, and trails off quickly but nicely.
Overall? The aroma is admittedly off putting, but it tastes wonderful. Not the best Riesling I've ever had, but I wouldn't pour it down the sink.