So today i had a terrible experience during my physics p1 exam. I gave me exam and. Handed to the inviligator, she was not letting me go to toilet even tough it was urgent and i even told her that so i went there's myself. When i came back i saw that my pouch cnic and calculator was not on table. The supervisor had a talk with me and told me i went against caie rules and i can get a malpractice for it. I explained whole situation to her but she was still not convinced so i apologized and sad that i won't ever do this again. She gave me an warning and then handed my stuff and asked me to exit. I didn't got ajy paper to sign. Should i be worried?

Brainfog is sooooo bad, I had a presentation (an exam) for my dissertation at university. That morning I had explosive tummy, the dog chewed up a toilet roll and my presentation notes. I left the house ,physically forgot how to lock a door and actually cried, I jumped in a taxi, gave him the wrong money , got to the lecture theatre, realised oh where the actual frick is my laptop WITH MY PRESENTATION ON IT. Oh guess what I left it in the taxi, I cried and then he had to come back so I could get my laptop. I go into the presentation, I'm ravenous hungry coz you know hormones and all that crap and my stomach is literally screaming when it's silent. I'm gassy coz ugh luteal and THEN ... THEN!! in the middle of this presentation, with doctors, students, examiner, I Start fucking bleeding, I JUST START FUCKING BLEEDING. im sat there like wtaf do i do? So I wait for the break, run to the toilet, YOU GUESSED NO FUCKING TAMPONS, NO FUCKING TOILET PAPER. I go to the tampon machine, which is soooo expensive and I found the coins got the tampons £2 FOR A PIECE OF FUCKING FLUFF.. When back to the exam. Im sat there and literally and my stomach is like blub blub blub and the cramping starts, my asshole is having fucking contractions I swear and im like oh great im gonna either give birth to a shit or maybe my reproductive organs it hurt so bad IT GETS FUCKING WORSE . So I calm down do my presentation all went fine. I walk though the city after, get on a train , go home and when I got back, I realised I had blood all down the back of skirt from when I bled that morning.... but all in all I got the result back and I scored an A*. 🤦‍♀️🤦‍♀️ why are periods actually like this.

Like the title says, I’m embarrassed of my house. It is constantly a mess, and no one ever does any cleaning and I’m always embarrassed whenever people come over. I’ve never invited a single friend over to my house despite all of them asking to see it, but my siblings and parents have, and its always embarrassing. There’s random, miscellaneous items stacked all over the dining room table, makeshift stands made out of chair and random boxes, dirty paper plates and towels everywhere, rust??? around the rims of toilets, sinks, and showers, old, expired food in the fridge, stacks of dirty dishes and dried, crusty spills on the countertops, mounds of pre-packaged food laying on the floor in front of the pantry, months of laundry sitting on the living room couch, stacks of junk sitting in front of my siblings rooms, and a mattress in the middle of my living room. I really don’t know how my whole family lives like such slobs. The only clean part of the house is my room and not even the entire room because I share the room with my sister and she keeps her side a mess. I do my laundry, I do my dishes, I clean the room, I cook, I mop the floors, and I clean and declutter the bathrooms. I try my best to keep the house clean, but with my family of 6 all being slobs who never learned how to clean plus school, I don’t have the time to clean the whole house on my own. I wish my family would just take 30 minutes out of their day to clean up their messes just a little because I’m always cleaning after them. They’re always leaving spills on the floors and counters, leaving little plastic pieces from packaging on the counters instead of throwing them away, leaving the cabinets wide open, and leaving produce outside when it should be in the fridge. Having to see their little messes makes me so mad because there’s already a huge mess in the kitchen and living room. What makes me even more mad is that my mom is a stay at home mom that only watches TV and lays in bed all day when she could be cleaning the huge mess that she helped make. She doesn’t do anything to help make the house more presentable and hasn’t been for the past 8 years when we first moved into this house. Looking at the house makes me cringe, and I honestly can’t wait to move out for college. Every time I use the bathroom, I can see the mess that my family makes in the sink and on the countertops, so I clean it in an angry fit. Every time I go into the kitchen and see the mess and it makes me lose my appetite. The only place I can be at peace at is my bedroom. If I’m not in my bedroom, I’m probably out either at school or with friends. I just can’t handle being here anymore.

Shorter chapter than my usual, but it felt weird to keep going after the second mic drop. I always find ending chapters a little tricky. Gotta find the right note to leave hanging in the air until next week.
[First] - [Prev]
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Memory Transcription Subject: Ensign Sifal, Arxur Dominion Fleet
Date [standardized human time]: October 18, 2136
“So I’m sorry,” I said, still chuckling to myself at this dumb-looking “sheep” creature, “let me make sure I understand this. Your main allies--which are, again, the fucking Venlil--they don’t just look like prey animals to you, they look specifically like a prey animal you already regularly eat? Is that correct?”
David shrugged, exhausted. “Technically they look like three prey animals we already regularly eat. Goats and alpacas just aren’t as common in this part of the world.” He fiddled with his holopad, ready to show me some more entertaining images. The alpacas, in particular, had a long neck that made them look nearly as tall as a Venlil.
I couldn’t stop laughing, so David just shrugged and continued. “So yeah, the market for lamb--that’s specifically juvenile sheep--just hasn’t been the same since first contact.”
That little tidbit was just strange enough to get me to calm down and think it over. “So sheep look like Venlil,” I repeated, “and you’re allied with the Venlil, so… now the market demand for lamb is down?” I squinted, the gears turning in my skull. “Was that like… a term of the alliance, or…?”
David rubbed his chin as he squinted back at me. I took one more blind shot, hoping I’d guess it. “You’re trying to be polite to the Venlil? It’s a bit of magnanimous cultural sensitivity to grease the wheels of diplomacy?”
David didn’t change his pensive expression for a solid moment longer. I didn’t guess it, I thought, bemused. He started fiddling with his holopad again, and showed me a short video montage of a very different animal this time. It was a large mammalian predator--bigger than I was, by a fair bit--with brown fur, forward-facing eyes, and a moderately prominent snout. Moderate compared to my maw, I should say. The video showed it in its natural habitat of forests and rivers, engaging in a mix of hunting, fishing, and foraging. Another omnivore, eh? I thought. Its teeth were far more massive than a human’s, though, and while it was mostly quadrupedal, it could rear up on its hind legs to make use of claws that exceeded my own.
“This is a brown bear,” said David. “It’s non-sapient, but it’s one of the most dominant apex predators on the planet. Like, even for us, fighting a bear is a grim prospect without a modern firearm.”
“They seem fun,” I said, already admiring the creature a bit.
David nodded. “Now, Sifal, I want you to imagine for a moment what the world might look like if this creature were sapient. Okay? The Arxur found a forested planet full of sapient bears. Those are your new allies! They’re happy to join you on your hunting raids against the Federation, you’ve got one or two posted on your ship to learn the ropes from you guys, and everything’s going great.” David flipped to a new image of the same creature but smaller and rounder. “This is a juvenile brown bear. A cub. Look at his cute little ears! The engineer who’s apprenticing under you--her name’s Grawr, and she’s a quick learner--showed you this picture of her son back home. He’s just learning to hunt, and his mom’s very proud of him.” David flipped to one last image, to a creature that looked nearly the same, albeit with far smaller claws and side-facing eyes. I felt my stomach suddenly start to twist. “And this is the Zurulian you’re having for dinner,” David said. “Grawr finds it pretty uncomfortable, though. How do you feel?”
I looked at the Zurulian and my mouth watered. Of course it did. It was just my nature, after all: most species salivated reflexively to protect their throats before vomiting.
I doubled over and retched in disgust, clutching desperately at my left arm by the scar. I mustn’t waste food, I mustn’t waste food, I mustn’t--I jolted back up with a shock, and nearly knocked David over with my maw as I frantically searched for what hidden attacker had touched me. But it was just David, with his hand on my shoulder and a look of concern on his face. Even the two scouts looked alarmed, frankly. Fucking… empathetic monkeys! I growled mentally, but the tension was leaving my body. I breathed easier.
“You good?” asked David.
I nodded slowly, as I felt my heart slowly stop pounding. I kept breathing. “The Venlil. They’re your friends,” I said, and the word “friend” in my language suddenly had the awkward shape of a sound that had lost its meaning. Why do we Arxur even still have such a word? I wondered idly. “You don’t feel comfortable eating animals that look too much like your friends.”
“Got it in three,” David said, smiling a little sadly.
“I had a good hint,” I said, most definitely not pouting.
David laughed. “Alright. Well, have some water, and enjoy the tuna tartare. I’m gonna let the stew simmer a bit longer, and see if I can’t fast-track the rack of lamb. You seem to prefer your meat on the rare side anyway.”
I looked at him as he walked back towards the kitchen, feeling… Prophet, what was this? Worry? Concern? …Guilt? I was feeling something. “Look, if it bothers you, maybe I shouldn’t…”
David waved my concerns away. “It came from a lab, not a creature, and it’s just going to waste away in the freezer at this rate. Damn thing’s already dead; somebody should enjoy it.” He shook his head. “Besides, I’m a little morbidly curious--out of professional interest, and out of conscience--how much lamb tastes like Venlil. You’re the only person I know who can settle that bet.”
I knew what he meant: he wanted me to try a Terran dish, and comment on how it compared to the taste of his friends, but…. I don’t know what possessed me, but I reached into my rations pouch, pulled out a dried chunk of orange-tinged meat, and held it out to David as an offering.
“Whoa! What the fuck!” the two scouts shouted on top of each other, angry and horrified in turns. But I think I was back to not giving a shit about them. I stared at David, holding the piece of Venlil jerky out, and he just… silently stared back.
The silence dragged on until the taller scout broke it. “Oh Jesus Christ, why are you thinking about it?” he shouted at David.
“I think about lots of things,” said David, and the silence returned for an encore. Eventually, David spoke. “So… I don’t think I could ever cook a Venlil, any more than I could cook another human. And yes, I’m aware that lab-grown cell cultures, which can potentially be given consensually, make this a far more complicated and weird ethical dilemma than it used to be. And if I caught another human making, or even in possession of, Venlil meat, I’d probably call the cops immediately.” David sighed. “This is literally the only scenario I wasn’t prepared for. Sapient meat is still normal in your culture, even if we wish it weren’t, and I have no authority or power to stop you from having it. It’s there, you’re offering it to me, and I can’t stop you. So now what do I do?” David rubbed his chin again, lost in thought. “I’m still mostly revolted, but there’s a tiny seed of, like… fear of missing out.”
At last, though, David shook his head. “Nah, there’s… frankly, there’s just too much ethical baggage for me. I’m sorry. I genuinely appreciate the offer, Sifal--I know food isn’t easy to come by for you--but I have to decline.”
I nodded respectfully, and put the piece of his friend back in my pouch.

this might sound a little childish and immature but please bear with me and maybe even put yourself in my shoes. so, i (18F) graduated high school just last year in June 2022. my senior year was mostly great and i had a lot of fun, being in 2 dance teams and both concert and show choir, along with being in link crew, class committee, and korean culture club. i was trying to make the most out of it especially after losing 1 1/2 years due to the pandemic. this was also the year we had gotten a new principal while our old one got promoted to superintendent. i was also taking ap psychology with a bunch of my friends (who were just as involved in school as me, if not more) and we all loved the teacher. remember this.
as the year was reaching to a close, all of the seniors were starting to do senior activities, including our senior assembly which hasn’t been done since 2019. since me and my friends were all extremely involved, some being in ASB and basically all of us being performers, we had started to practice choreographies with our respective teams along with ASB prepping everything to make it a good senior assembly. the days leading up to it were bittersweet because we all were saying goodbye to our underclassmen and high school in general. lots of tears were shared but we were excited to move on.
then, the day of senior assembly arrived. i walk to school as i normally do except dressed nicer than normal because i had a banquet later that day. i also was with all of my stuff ready so that i can easily change for the performance. when i was in class, my friend tells me that some people decided to do a senior prank. however, only about 20 people did it which is not a lot of people considering the fact that our class had over 600 people so i don’t even think that it can even count as a senior prank. the prank was parking across the lines in the parking lot and lying to the staff saying that it wasn’t their cars, making them call the police which ultimately led to them admitting that it was their cars. not only that but they had thrown toilet paper all over the senior lawn and had sprayed silly string there and on the ASB building. we all thought nothing of it because senior pranks have been done a lot at our school. But that was with but the former principal who was chill with these types of things. our new principal wasn’t as chill so word got around that senior assembly was going to get cancelled. however, we were all still holding hope that it wasn’t true and that our senior assembly was still happening. obviously, that wasn’t the case.
the staff and principal had known who had done the prank but instead of punishing just them, they punished the whole class of 22. they couldn’t have simply punished the small group of people like not let them walk at graduation or ban them from senior assembly? it was just blown out of proportion when it could have been contained within that group and the staff.
instead of having our senior assembly that we all worked so hard for, they gave us a lecture in the gym about how it wasn’t okay. it was almost an hour long and a bunch of us were crying. some people were making the situation worse by making fun of the principal by yelling at her and playing clown music (which, i do admit, looking back on it was kind of funny but in the moment, i was getting pissed off). one of the worst things i heard was that the ASB was told to get rid of all the chairs from the gym and basically take down the set up they all had worked so hard for. the seniors couldn’t bring themselves to do it so the underclassmen in ASB did it. other than the chairs being folded, there was no other sounds coming from them. no one has said a word and the atmosphere was just terrible.
now you’re probably wondering what the principal and my teacher had to do with this that still makes me mad at them to this day.
well, before the whole lecture, i heard that all of my friends who were in ASB were sobbing on their knees to the principal to let us have the assembly but she continued to deny them with no remorse, saying we deserved it. she just wasn’t budging and it was making us mad because she knew that most of us didn’t participate in it and only a fraction of the class had done the prank.
remember the ap psych teacher? well he was the absolute worst. a bunch of his students were part of the ASB and were performers as well. i’d say that 90% of his students would fit into this category. however, he looked at all of us and said “i feel absolute no sympathy for the ASB and the performers, you guys ruined it for yourselves. the adults here could care less about this assembly.” on that day, he went from being our favorite teacher to the most hated teacher. it was weird he said that because there were so many teachers comforting us, saying that we deserved our assembly so he was absolutely wrong about the other teachers not caring. then he proceeded to act like nothing happened while all of us were in tears and had red eyes from crying the whole day. my dance teams and i were crying for hours.
the people who did the prank didn’t even care about how much distress it caused us because they still walked around shamelessly even after knowing all the news that had gone around. they were even proud that they got the most important assembly of the year canceled. i would be more forgiving if they felt bad or apologized but they didn’t.
seeing all of my friends’ posts from senior assembly these past few weeks made the memory resurface and i could only feel jealousy every time i saw one. every time i think about it, i just get so angry. my friends and i, even if we don’t see each other for a while due to different schools, whenever we do see each other, we all agree that we’re all still angry about it. it just sucks that we were all having such a great year and then that happened right at the end which kind of spoiled it. our principal even banned us from throwing our caps at graduation.
however that didn’t stop us because our class president was the first to throw her cap and the rest of us followed because we didn’t care anymore, we were free.

https://imgur.com/a/5aHTqVX
Could hire a pro but would like to give this a shot as DIYer with my son.
Have tried to regrow grass here by weeding, seeding, peat moss, and straw. It’s stubborn. Could it be the soil?
We’d like to make it in the same spirit as our neighbors.
Any suggestions? Words of wisdom?
Thanks!

I'm from EU,so GAMES SHOULD work pretty much anywhere
NOT BUYING GAMES,ONLY TRADES - games for games or selling for paypal
No interest in TF2 keys,CSGO cases or ANY other virtual currency
BUYER covers the FEES (if outside EU,EU F&F only)
My Steam account so you don't offer me something I own
My Wishlist
My SGSRep
My IGSRep
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​
Only looking for Steam games - so don't offer origin,uplay,rockstar,bnet or ANY other launcher
100% of my games keys are bought by me from official stores & I expect the same in return,so don't offer me keyshop games or game keys you got in a trade as I will decline
I retain the right to ask for proof of ownership for ANY game I want - just like YOU have the right to ask me the same
​
​
List of games I have:
Also have the Earthquake Relief bundle but reddit wont let me write all the games cause my topic would be too big - just ask
7 Billion Humans
8Doors Arum's Afterlife Adventure
10 Second Ninja X
60 Seconds!
112 Operator
140
198X
911 Operator
A Case Of Distrust
A Year Of Rain
Absolver
Aeolis Tournament
Age Of Wonders III
Ageless
Airport CEO
AI War 2
Alien Spidy
Aliens Vs Predator Collection
All You Can Eat
Almost There The Platformer
American Fugitive
Amnesia A Machine For Pigs + The Dark Descent (1 key for both games)
Amnesia Fortnight 2012
Amnesia Fortnight 2014
Amnesia Fortnight 2017
Amnesia Rebirth (X2)
Among Us (X2)
Ancestors The Humankind Odyssey (EU & Africa lock)
Aragami (X2)
Archamon
Army Men RTS
Attack Of The Earthlings
Automobilista
Aven Colony
Avernum 3 Ruined World
Azkend 2 The World Beneath
Back 4 Blood (EU region lock)
Backbone
Band Of Defenders
Banished
Baseball Riot
Batora Lost Haven
Battlestar Galactica Deadlock
Behind The Frame Finest Scenery NEW
Beholder 2
Bendy And The Dark Revival (X2)
Bendy And The Ink Machine
Betrayer (delisted)
Between The Stars (X2)
Beyond Eyes
Beyond The Wire
Bionic Commando
Bionic Commando Rearmed
Bird Of Light
Black Paradox
Blasphemous
Bloodstained Ritual Of The Night
Bohemian Killing
Book Of Demons
Bomber Crew Deluxe
Borderlands 3 + Director's Cut (ask about region locks)
Borderlands 3 Super Deluxe Edition NEW (ask about region locks)
Boreal Blade
Broken Age (X2)
Brothers A Tale Of Two Sons (X2)
Builder Simulator NEW
Butcher
Call Of Juarez
Call Of The Sea (X2)
Call To Arms Basic Edition
Call To Arms Gates Of Hell Ostfront
Car Mechanic Simulator 2018
Chenso Club
Chernobylite Enhanced Edition
Cities In Motion 2
CivCity Rome
Clone Drone In The Danger Zone
Clouds & Sheep 2
Coffin Dodgers
Cook Serve Delicious 3
Company Of Heroes Complete Edition
Control Ultimate Edition
Corridor Z
Cosmic Osmo And The World Beyond The Mackerel
Crash Drive 3
Creatures Inc
Crookz The Big Heist
Crossbow Bloodnight
Crusader Kings Complete
Crying Suns
Dagon The Eldritch Box
Danger Scavenger
Day Of Infamy
Dead Age
Dead In Vinland
Deadly Premonition Director's Cut
Deadbeat Heroes (X2)
Dear Ester Landmark Edition
Death Stranding Director's Cut
Death Squared
Deep Dungeons Of Doom
Deep Sky Derelicts
Demon Turf
Deployment
Desert Child
Destiny 2 Beyond Light NEW
Diaries Of A Spaceport Janitor
Dicey Dungeons (X2)
Dimension Drifter
Distraint 2 + Soundtrack
Divekick
Dog Sled Saga
Double Fine Adventures Complete Series Deluxe
Downwell
Drawful 2
Draw Slasher
Dreadlands
Dread X Collection
Driftland The Magic Revival
Dry Downing
Duke Nukem Forever Collection
Dungeon Marathon
Dungeon Of The Endless
Dungeons 2
Dungeons 2 Complete
Dungeons 3
Dusk
Dwarfs!?
Eador Imperium
EarthX
Eastside Hockey Manager
ECHO
Edge Of Eternity
Effie
Elderborn
Eldest Souls
Elden Path Of The Forgotten
Embr
Emily Is Away
Empyrion Galactic Survival
Epic Manager
E.T. Armies Deluxe Edition
Etherborn (X2)
Euro Truck Simulator 2
Europa Universalis IV
Evergarden
Expeditions Viking
F1 2018 (delisted)
Family Man
Fantasy Blacksmith
Fantasy Versus
Farmer's Dynasty
Farming Simulator 17
FIA European Truck Racing
Figment (X2)
Finding Paradise
Fire Ungh's Quest
First Class Trouble
Five Dates
Fling To The Finish
Fluffy Horde
Fobia St. Dinfna Hotel
Forgive Me Father
Framed Collection (X2)
Friday the 13th: The Game
Fun With Ragdolls The Game
Fury Unleashed (X2)
Gang Beasts
Garage Bad Trip (X2)
Gas Guzzlers Extreme
Gas Station Simulator
Gauge
Generation Zero NEW
Ghostrunner
Giana Sisters Twisted Dreams + Rise Of The Owlverlord
Gloria Victis NEW
GNOG
Go Home Dinosaurs!
Goat Of Duty
Goetia (X2)
Going Under (X2)
Golden Light
Golf Gang
GoNNER
Grand Ages Medieval
Grand Pigeon's Duty
Greak Memories Of Azur
Gremlins Inc.
Grip Combat Racing + Cygon + Nyvoss + Terra + Vintek DLC (X2)
Guts And Glory (X2)
Hack'n'Slash
Haiku The Robot (X2)
Hamilton's Great Adventure
Hammerfight
Headlander
Heal
Hedon Bloodrite
Hell Let Loose
Hellblade Senua's Sacrifice
Hello Neighbor
Hellbound
Hero Defense
Hero's Hour (EU region lock)
Hexologic
Hidden & Dangerous Action Pack
Hidden & Dangerous 2 Courage Under Fire
Hive Jump (X2)
Hiveswap Act 2
Hiveswap Friend Sim (X2)
Hollow Knight
Homeworld Deserts Of Kharak
Hotshot Racing
Hot Tin Roof The Cat That Wore A Fedora
Hot Wheels Unleashed
Hover (X2)
Human Resource Machine
Hurtworld
I Am Bread
I Am Not A Monster First Contact
Ice Lakes
If Found...
Ikenfell
Impact Winter (delisted)
In Between
Industria
Inexistence Rebirth
Infinite Air With Mark McMorris (delisted)
Influent
Inmost
Interplanetary Enhanced Edition
Intruder
Ion Fury
Iron Danger
Iron Harvest
Jack Axe
Jalopy
Jet Set Knights
Juanito Arcade Mayhem
Jump Stars
Jurassic World Evolution
Just Die Already
KartKraft
Kathy Rain Directors Cut
Keep Talking And Nobody Explodes (X2)
Killing Floor 2 Digital Deluxe NEW
Kill To Collect
Kingdom Classic (X2)
Kingdom New Lands
Kingdoms Of Amalur Re-Reckoning Fate Edition
King Oddball
Labyrinthine
Last Oasis
Last Tide
Lawn Mowing Simulator
Lead And Gold Gangs Of Wild West (X2)
Legacy Of Dorn Herald Of Oblivion (delisted)
Legend Of Keepers Career Of A Dungeon Master
Leisure Suit Larry Retro Bundle (1 to 7)
Lethal League Blaze
Liberated (GOG key)
Lifeless Planet Premium Edition
Light Fall
Little Big Workshop
Lone Fungus
Lost Planet Complete Pack
Lost Ruins
Lust For Darkness
Lust From Beyond M Edition
Magicka
Magrunner Dark Pulse
Maid Of Sker
Main Assembly (X2)
Mars Horizon
Masquerade The Baubles Of Doom
Max Payne 3 (Rockstar Launcher)
Mega Man Legacy Collection
Midnight Ghost Hunt NEW
Midnight Protocol
Mind Scanners
Mini Metro
Miscreated (X2)
Monster Crown
Moon Hunters
Morbid The Seven Acolytes
Motorcycle Mechanic Simulator 2021
Motorsport Manager
Mount And Blade Warband
My Lovely Daughter
Naruto To Boruto Shinobi Striker
Nascar Heat 5 Ultimate
Nebuchadnezzar
NecroVisioN Lost Company
NecroWorn
Neighbours Back From Hell
Neo Cab
Neon Abyss
NeuroVoider
Neverout
Nickelodeon All Star Brawl (X2)
Ninjin Clash Of Carrots
No Time To Relax
Northgard NEW
Not Tonight
Obduction
Observation
Octahedron
Odyssey The Story Of Science
Of Orcs And Men
Old School Musical
OlliOlli World Rad Edition
On Rusty Trails
One Finger Death Punch 2
Onikira Demon Killer
Operation Tango NEW
Orbital Racer
Orcs Must Die 2 Complete
Original War
Orwell Ignorance Is Strength
Out Of Reach Treasure Royal
Overlord II
Overpass
Override Mech City Brawl
Oxenfree
Pacer
Paint The Town Red
Paper Fire Rookie
Paradise Lost
Path Of Giants
Paw Paw Paw
Payday 2 + Big Mike mask
Peaky Blinders Mastermind (delisted)
Penarium
People Playground (X2)
Perfect Heist 2
PGA Tour 2K21 (X2)
Phoenix Point Year One Edition
Pikuniku
Pine
Pinstripe
Pixplode
Plane Mechanic Simulator
Poöf
Popup Dungeon
Post Void
Pound Of Ground (X2)
PowerSlave Exhumed
Prehistoric Kingdom
Primal Carnage Extinction (X2)
Project Cars GOTY (delisted)
Project Hospital
Project Warlock
Propnight
Pulsar The Lost Colony NEW
Pumped BMX+
Punch Club
Purrfect Date
Quest Of Dungeons
RAD (X2)
Radio Commander
Rad Rodgers Radical Edition
Railroad Tycoon 2
Railroad Tycoon 3
Railway Empire
Raji An Ancient Epic
Rebel Cops
Rec Center Tycoon
Red Faction Armageddon
Red Solstice 2 Survivors
Redeemer Enhanced Edition
Redout Enhanced Edition
Re-Legion
Remothered Broken Porcelain
Resident Evil 4
Resident Evil Revelations (X2)
Resident Evil Revelations 2 Deluxe Edition
Retimed
Retrowave
Reventure
Revita
Ring Of Pain
Rings Of Saturn
Riot Civil Unrest
Rise Of Industry
Rise Of Insanity
Riven The Sequel To MYST
Roarr! The Adventures Of Rampage Rex
Roboquest
Rogue Heroes Ruins Of Tasos
Rogue Lords
Rogue Stormers
Rover Mechanic Simulator
RPG Maker VX
Rustler
Sable
Salt And Sanctuary
Satellite Reign
Satisfactory
Saturday Morning RPG
Say No! More
SCP 5K
SCUM (X2)
ScourgeBringer
Serious Sam 2
Serious Sam BFE (X2)
Serious Sam Classics Revolution
Serious Sam Double D XXL
Serious Sam HD The First & Second Encounter (1 key for both)
Serious Sam HD The Second Encounter Legend Of The Beast
Serious Sam HD The Second Encounter Serious 8
Serious Sam Kamikaze Attack
Serious Sam The Random Encounter
Serious Sam Bogus Detour
Shadow Tactics Aiko's Choice
Shady Part Of Me
She Remembered Caterpillars
She Will Punish Them
Shing!
Shock Troopers
Shogun's Empire Hex Commander
Shuyan Saga
Sid Meier's Civilization VI
Sid Meier's Railroads
Simulacra Collection
Skeletal Avenger
Skullgirls 2nd Encore
Skully
Slime Rancher
Slinger VR
Smoke And Sacrifice (X2)
Sniper Elite V2 Remastered
Sniper Elite 4 Deluxe + Season Pass
SOMA
Song Of Iron
Soulblight
Spacebase DF-9
Space Hulk Ascension (delisted)
Sparkle 2
Sparkle Unleashed
Spellcaster University
Spelunx And The Caves Of Mr. Seudo
Spiritfarer Farewell Edition NEW
Stacking
Starsand (X2)
Star Wars Jedi Knight Jedi Academy
Star Wars Knights Of The Old Republic
Stasis
State Of Decay 2 Juggernaut Edition
State Of Mind
Steel Rats
Stick Fight The Game (X3)
Stories Untold
Streets Of Fury EX
Strider (X2)
Struggling
Stubbs The Zombie
Styx Shards Of Darkness
Submerged Hidden Depths
Suchart Genius Artist Simulator
Super Indie Carts
Super Magbot
Supraland
SurrounDead (X2)
Surviving The Aftermath
Suzerain
Swag And Sorcery
Sword Legacy Omen
Swords And Soldiers 2 Shawarmageddon
Swords And Souls Neverseen (X2)
Syberia II
Syberia 3 Deluxe Edition
Syberia The World Before
Syndrome
System Shock Enhanced Edition
Table Manners The Physics-Based Dating Game
Tabletop Playground
Tacoma
Take On Helicopters
Tales From Candlekeep Tomb Of Annihilation (delisted)
Tales Of Monkey Island Complete
Talisman Digital Edition + City,Frostmarch,Sacred Pool (trading only as a bundle)
Talisman Origins
Tank Mechanic Simulator
Telefrag VR
Teleglitch Die More Edition
Tennis In The Face
Tennis World Tour (X2)
Tesla Force
Tesla Vs Lovecraft
Tharsis (X2)
The Amazing American Circus
The Ambassador Fractured Timelines
The Adventure Pals
The Battle Of Polytopia Moonrise Deluxe
The Blackout Club
The Citadel
The Count Lucador
The Free Ones (delisted)
The Golf Club 2019 featuring PGA Tour
theHunter Call Of The Wild (X3)
The Invisible Hand NEW
The Journey Down Chapter Three
The King Of Fighters 2002 Unlimited Match
The Last Blade
The Life And Suffering Of Sir Brante
The Long Dark Survival Edition (X2)
The Manhole Masterpiece Edition
The Mims Beginning
The Mortuary Assistant
The Night Of The Rabbit
The Serpent Rogue
The Signifier Director's Cut
The Textorcist The Story of Ray Bibbia (X2)
The Uncertain Last Quiet Day (X2)
The USB Stick Found In The Grass
The Walking Dead Season 1 + 400 Days
The Wild Eight (X2)
They Bleed Pixels
Think Of The Children
This War Of Mine
Thronebreaker The Witcher Tales
THOTH
Through The Darkest Of Times
Timeshift
Time Recoil
Titan Quest Anniversary
Toejam & Earl Back In The Groove
TOEM
Tohu
Tools Up
Tooth And Tail (X2)
Torchlight (X2)
Total Tank Simulator
Totally Accurate Battle Simulator
Toto Temple Deluxe
Tower Of Time (X2)
Tower Unite
Townscaper (X2)
Townsmen A Kingdom Rebuilt
Toybox Turbos
Tracks The Train Set Game
Train Station Renovation
Treasure Hunter Simulator (X2)
Tropico 4
True Fear Forsaken Souls Part 1
Tyranny Deluxe Edition
Unexplored
Unloved
Unmetal
Unshaded
Vambrace Cold Soul
Vane
Velocibox
Verdun
Vikings Wolves Of Midgard
Visage
Volcanoids (X2)
V Rally 4
Wanderlust Travel Stories (GOG key)
Warhammer 40K Chaos Gate Daemonhunters NEW
Warhammer End Times Vermintide
Warhammer Vermintide 2 NEW
Warlock Master Of The Arcane
Warpips
Warsaw
Wasteland 2 Director's Cut
We Are The Dwarves
We Should Talk
Western Press
We Were Here Together
When Ski Lifts Go Wrong
Where The Water Tastes Like Wine
While True: Learn() Chief Technology Officer Edition
White Day: A Labyrinth Named School
Windjammers 2 NEW
Wooden Sen'SeY
Worms Rumble + Legends DLC
Wrath Aeon Of Ruin (X2)
XCOM Complete Pack
Xenoraid The First Space War
X Morph Defense + European Assault + Last Bastion + Survival Of The Fittest (1 key for all)
XIII Classic
Xuan-Yuan Sword The Gate Of Firmament
Yet Another Zombie Defense HD
Ylands Exploration Pack
Yoku's Island Express
Yooka-Laylee And The Impossible Lair
Zack 2 Celestine's Map
ZIC Zombies In City
Zombie Army Trilogy

I'm from EU,so GAMES SHOULD work pretty much anywhere
NOT BUYING GAMES,ONLY TRADES - games for games or selling for paypal
No interest in TF2 keys,CSGO cases or ANY other virtual currency
BUYER covers the FEES (if outside EU,EU F&F only)
My Steam account so you don't offer me something I own
My Wishlist
My SGSRep
My IGSRep
​
​
Only looking for Steam games - so don't offer origin,uplay,rockstar,bnet or ANY other launcher
100% of my games keys are bought by me from official stores & I expect the same in return,so don't offer me keyshop games or game keys you got in a trade as I will decline
I retain the right to ask for proof of ownership for ANY game I want - just like YOU have the right to ask me the same
​
​
List of games I have:
Also have the Earthquake Relief bundle but reddit wont let me write all the games cause my topic would be too big - just ask
7 Billion Humans
8Doors Arum's Afterlife Adventure
10 Second Ninja X
60 Seconds!
112 Operator
140
198X
911 Operator
A Case Of Distrust
A Year Of Rain
Absolver
Aeolis Tournament
Age Of Wonders III
Ageless
Airport CEO
AI War 2
Alien Spidy
Aliens Vs Predator Collection
All You Can Eat
Almost There The Platformer
American Fugitive
Amnesia A Machine For Pigs + The Dark Descent (1 key for both games)
Amnesia Fortnight 2012
Amnesia Fortnight 2014
Amnesia Fortnight 2017
Amnesia Rebirth (X2)
Among Us (X2)
Ancestors The Humankind Odyssey (EU & Africa lock)
Aragami (X2)
Archamon
Army Men RTS
Attack Of The Earthlings
Automobilista
Aven Colony
Avernum 3 Ruined World
Azkend 2 The World Beneath
Back 4 Blood (EU region lock)
Backbone
Band Of Defenders
Banished
Baseball Riot
Batora Lost Haven
Battlestar Galactica Deadlock
Behind The Frame Finest Scenery NEW
Beholder 2
Bendy And The Dark Revival (X2)
Bendy And The Ink Machine
Betrayer (delisted)
Between The Stars (X2)
Beyond Eyes
Beyond The Wire
Bionic Commando
Bionic Commando Rearmed
Bird Of Light
Black Paradox
Blasphemous
Bloodstained Ritual Of The Night
Bohemian Killing
Book Of Demons
Bomber Crew Deluxe
Borderlands 3 + Director's Cut (ask about region locks)
Borderlands 3 Super Deluxe Edition NEW (ask about region locks)
Boreal Blade
Broken Age (X2)
Brothers A Tale Of Two Sons (X2)
Builder Simulator NEW
Butcher
Call Of Juarez
Call Of The Sea (X2)
Call To Arms Basic Edition
Call To Arms Gates Of Hell Ostfront
Car Mechanic Simulator 2018
Chenso Club
Chernobylite Enhanced Edition
Cities In Motion 2
CivCity Rome
Clone Drone In The Danger Zone
Clouds & Sheep 2
Coffin Dodgers
Cook Serve Delicious 3
Company Of Heroes Complete Edition
Control Ultimate Edition
Corridor Z
Cosmic Osmo And The World Beyond The Mackerel
Crash Drive 3
Creatures Inc
Crookz The Big Heist
Crossbow Bloodnight
Crusader Kings Complete
Crying Suns
Dagon The Eldritch Box
Danger Scavenger
Day Of Infamy
Dead Age
Dead In Vinland
Deadly Premonition Director's Cut
Deadbeat Heroes (X2)
Dear Ester Landmark Edition
Death Stranding Director's Cut
Death Squared
Deep Dungeons Of Doom
Deep Sky Derelicts
Demon Turf
Deployment
Desert Child
Destiny 2 Beyond Light NEW
Diaries Of A Spaceport Janitor
Dicey Dungeons (X2)
Dimension Drifter
Distraint 2 + Soundtrack
Divekick
Dog Sled Saga
Double Fine Adventures Complete Series Deluxe
Downwell
Drawful 2
Draw Slasher
Dreadlands
Dread X Collection
Driftland The Magic Revival
Dry Downing
Duke Nukem Forever Collection
Dungeon Marathon
Dungeon Of The Endless
Dungeons 2
Dungeons 2 Complete
Dungeons 3
Dusk
Dwarfs!?
Eador Imperium
EarthX
Eastside Hockey Manager
ECHO
Edge Of Eternity
Effie
Elderborn
Eldest Souls
Elden Path Of The Forgotten
Embr
Emily Is Away
Empyrion Galactic Survival
Epic Manager
E.T. Armies Deluxe Edition
Etherborn (X2)
Euro Truck Simulator 2
Europa Universalis IV
Evergarden
Expeditions Viking
F1 2018 (delisted)
Family Man
Fantasy Blacksmith
Fantasy Versus
Farmer's Dynasty
Farming Simulator 17
FIA European Truck Racing
Figment (X2)
Finding Paradise
Fire Ungh's Quest
First Class Trouble
Five Dates
Fling To The Finish
Fluffy Horde
Fobia St. Dinfna Hotel
Forgive Me Father
Framed Collection (X2)
Friday the 13th: The Game
Fun With Ragdolls The Game
Fury Unleashed (X2)
Gang Beasts
Garage Bad Trip (X2)
Gas Guzzlers Extreme
Gas Station Simulator
Gauge
Generation Zero NEW
Ghostrunner
Giana Sisters Twisted Dreams + Rise Of The Owlverlord
Gloria Victis NEW
GNOG
Go Home Dinosaurs!
Goat Of Duty
Goetia (X2)
Going Under (X2)
Golden Light
Golf Gang
GoNNER
Grand Ages Medieval
Grand Pigeon's Duty
Greak Memories Of Azur
Gremlins Inc.
Grip Combat Racing + Cygon + Nyvoss + Terra + Vintek DLC (X2)
Guts And Glory (X2)
Hack'n'Slash
Haiku The Robot (X2)
Hamilton's Great Adventure
Hammerfight
Headlander
Heal
Hedon Bloodrite
Hell Let Loose
Hellblade Senua's Sacrifice
Hello Neighbor
Hellbound
Hero Defense
Hero's Hour (EU region lock)
Hexologic
Hidden & Dangerous Action Pack
Hidden & Dangerous 2 Courage Under Fire
Hive Jump (X2)
Hiveswap Act 2
Hiveswap Friend Sim (X2)
Hollow Knight
Homeworld Deserts Of Kharak
Hotshot Racing
Hot Tin Roof The Cat That Wore A Fedora
Hot Wheels Unleashed
Hover (X2)
Human Resource Machine
Hurtworld
I Am Bread
I Am Not A Monster First Contact
Ice Lakes
If Found...
Ikenfell
Impact Winter (delisted)
In Between
Industria
Inexistence Rebirth
Infinite Air With Mark McMorris (delisted)
Influent
Inmost
Interplanetary Enhanced Edition
Intruder
Ion Fury
Iron Danger
Iron Harvest
Jack Axe
Jalopy
Jet Set Knights
Juanito Arcade Mayhem
Jump Stars
Jurassic World Evolution
Just Die Already
KartKraft
Kathy Rain Directors Cut
Keep Talking And Nobody Explodes (X2)
Killing Floor 2 Digital Deluxe NEW
Kill To Collect
Kingdom Classic (X2)
Kingdom New Lands
Kingdoms Of Amalur Re-Reckoning Fate Edition
King Oddball
Labyrinthine
Last Oasis
Last Tide
Lawn Mowing Simulator
Lead And Gold Gangs Of Wild West (X2)
Legacy Of Dorn Herald Of Oblivion (delisted)
Legend Of Keepers Career Of A Dungeon Master
Leisure Suit Larry Retro Bundle (1 to 7)
Lethal League Blaze
Liberated (GOG key)
Lifeless Planet Premium Edition
Light Fall
Little Big Workshop
Lone Fungus
Lost Planet Complete Pack
Lost Ruins
Lust For Darkness
Lust From Beyond M Edition
Magicka
Magrunner Dark Pulse
Maid Of Sker
Main Assembly (X2)
Mars Horizon
Masquerade The Baubles Of Doom
Max Payne 3 (Rockstar Launcher)
Mega Man Legacy Collection
Midnight Ghost Hunt NEW
Midnight Protocol
Mind Scanners
Mini Metro
Miscreated (X2)
Monster Crown
Moon Hunters
Morbid The Seven Acolytes
Motorcycle Mechanic Simulator 2021
Motorsport Manager
Mount And Blade Warband
My Lovely Daughter
Naruto To Boruto Shinobi Striker
Nascar Heat 5 Ultimate
Nebuchadnezzar
NecroVisioN Lost Company
NecroWorn
Neighbours Back From Hell
Neo Cab
Neon Abyss
NeuroVoider
Neverout
Nickelodeon All Star Brawl (X2)
Ninjin Clash Of Carrots
No Time To Relax
Northgard NEW
Not Tonight
Obduction
Observation
Octahedron
Odyssey The Story Of Science
Of Orcs And Men
Old School Musical
OlliOlli World Rad Edition
On Rusty Trails
One Finger Death Punch 2
Onikira Demon Killer
Operation Tango NEW
Orbital Racer
Orcs Must Die 2 Complete
Original War
Orwell Ignorance Is Strength
Out Of Reach Treasure Royal
Overlord II
Overpass
Override Mech City Brawl
Oxenfree
Pacer
Paint The Town Red
Paper Fire Rookie
Paradise Lost
Path Of Giants
Paw Paw Paw
Payday 2 + Big Mike mask
Peaky Blinders Mastermind (delisted)
Penarium
People Playground (X2)
Perfect Heist 2
PGA Tour 2K21 (X2)
Phoenix Point Year One Edition
Pikuniku
Pine
Pinstripe
Pixplode
Plane Mechanic Simulator
Poöf
Popup Dungeon
Post Void
Pound Of Ground (X2)
PowerSlave Exhumed
Prehistoric Kingdom
Primal Carnage Extinction (X2)
Project Cars GOTY (delisted)
Project Hospital
Project Warlock
Propnight
Pulsar The Lost Colony NEW
Pumped BMX+
Punch Club
Purrfect Date
Quest Of Dungeons
RAD (X2)
Radio Commander
Rad Rodgers Radical Edition
Railroad Tycoon 2
Railroad Tycoon 3
Railway Empire
Raji An Ancient Epic
Rebel Cops
Rec Center Tycoon
Red Faction Armageddon
Red Solstice 2 Survivors
Redeemer Enhanced Edition
Redout Enhanced Edition
Re-Legion
Remothered Broken Porcelain
Resident Evil 4
Resident Evil Revelations (X2)
Resident Evil Revelations 2 Deluxe Edition
Retimed
Retrowave
Reventure
Revita
Ring Of Pain
Rings Of Saturn
Riot Civil Unrest
Rise Of Industry
Rise Of Insanity
Riven The Sequel To MYST
Roarr! The Adventures Of Rampage Rex
Roboquest
Rogue Heroes Ruins Of Tasos
Rogue Lords
Rogue Stormers
Rover Mechanic Simulator
RPG Maker VX
Rustler
Sable
Salt And Sanctuary
Satellite Reign
Satisfactory
Saturday Morning RPG
Say No! More
SCP 5K
SCUM (X2)
ScourgeBringer
Serious Sam 2
Serious Sam BFE (X2)
Serious Sam Classics Revolution
Serious Sam Double D XXL
Serious Sam HD The First & Second Encounter (1 key for both)
Serious Sam HD The Second Encounter Legend Of The Beast
Serious Sam HD The Second Encounter Serious 8
Serious Sam Kamikaze Attack
Serious Sam The Random Encounter
Serious Sam Bogus Detour
Shadow Tactics Aiko's Choice
Shady Part Of Me
She Remembered Caterpillars
She Will Punish Them
Shing!
Shock Troopers
Shogun's Empire Hex Commander
Shuyan Saga
Sid Meier's Civilization VI
Sid Meier's Railroads
Simulacra Collection
Skeletal Avenger
Skullgirls 2nd Encore
Skully
Slime Rancher
Slinger VR
Smoke And Sacrifice (X2)
Sniper Elite V2 Remastered
Sniper Elite 4 Deluxe + Season Pass
SOMA
Song Of Iron
Soulblight
Spacebase DF-9
Space Hulk Ascension (delisted)
Sparkle 2
Sparkle Unleashed
Spellcaster University
Spelunx And The Caves Of Mr. Seudo
Spiritfarer Farewell Edition NEW
Stacking
Starsand (X2)
Star Wars Jedi Knight Jedi Academy
Star Wars Knights Of The Old Republic
Stasis
State Of Decay 2 Juggernaut Edition
State Of Mind
Steel Rats
Stick Fight The Game (X3)
Stories Untold
Streets Of Fury EX
Strider (X2)
Struggling
Stubbs The Zombie
Styx Shards Of Darkness
Submerged Hidden Depths
Suchart Genius Artist Simulator
Super Indie Carts
Super Magbot
Supraland
SurrounDead (X2)
Surviving The Aftermath
Suzerain
Swag And Sorcery
Sword Legacy Omen
Swords And Soldiers 2 Shawarmageddon
Swords And Souls Neverseen (X2)
Syberia II
Syberia 3 Deluxe Edition
Syberia The World Before
Syndrome
System Shock Enhanced Edition
Table Manners The Physics-Based Dating Game
Tabletop Playground
Tacoma
Take On Helicopters
Tales From Candlekeep Tomb Of Annihilation (delisted)
Tales Of Monkey Island Complete
Talisman Digital Edition + City,Frostmarch,Sacred Pool (trading only as a bundle)
Talisman Origins
Tank Mechanic Simulator
Telefrag VR
Teleglitch Die More Edition
Tennis In The Face
Tennis World Tour (X2)
Tesla Force
Tesla Vs Lovecraft
Tharsis (X2)
The Amazing American Circus
The Ambassador Fractured Timelines
The Adventure Pals
The Battle Of Polytopia Moonrise Deluxe
The Blackout Club
The Citadel
The Count Lucador
The Free Ones (delisted)
The Golf Club 2019 featuring PGA Tour
theHunter Call Of The Wild (X3)
The Invisible Hand NEW
The Journey Down Chapter Three
The King Of Fighters 2002 Unlimited Match
The Last Blade
The Life And Suffering Of Sir Brante
The Long Dark Survival Edition (X2)
The Manhole Masterpiece Edition
The Mims Beginning
The Mortuary Assistant
The Night Of The Rabbit
The Serpent Rogue
The Signifier Director's Cut
The Textorcist The Story of Ray Bibbia (X2)
The Uncertain Last Quiet Day (X2)
The USB Stick Found In The Grass
The Walking Dead Season 1 + 400 Days
The Wild Eight (X2)
They Bleed Pixels
Think Of The Children
This War Of Mine
Thronebreaker The Witcher Tales
THOTH
Through The Darkest Of Times
Timeshift
Time Recoil
Titan Quest Anniversary
Toejam & Earl Back In The Groove
TOEM
Tohu
Tools Up
Tooth And Tail (X2)
Torchlight (X2)
Total Tank Simulator
Totally Accurate Battle Simulator
Toto Temple Deluxe
Tower Of Time (X2)
Tower Unite
Townscaper (X2)
Townsmen A Kingdom Rebuilt
Toybox Turbos
Tracks The Train Set Game
Train Station Renovation
Treasure Hunter Simulator (X2)
Tropico 4
True Fear Forsaken Souls Part 1
Tyranny Deluxe Edition
Unexplored
Unloved
Unmetal
Unshaded
Vambrace Cold Soul
Vane
Velocibox
Verdun
Vikings Wolves Of Midgard
Visage
Volcanoids (X2)
V Rally 4
Wanderlust Travel Stories (GOG key)
Warhammer 40K Chaos Gate Daemonhunters NEW
Warhammer End Times Vermintide
Warhammer Vermintide 2 NEW
Warlock Master Of The Arcane
Warpips
Warsaw
Wasteland 2 Director's Cut
We Are The Dwarves
We Should Talk
Western Press
We Were Here Together
When Ski Lifts Go Wrong
Where The Water Tastes Like Wine
While True: Learn() Chief Technology Officer Edition
White Day: A Labyrinth Named School
Windjammers 2 NEW
Wooden Sen'SeY
Worms Rumble + Legends DLC
Wrath Aeon Of Ruin (X2)
XCOM Complete Pack
Xenoraid The First Space War
X Morph Defense + European Assault + Last Bastion + Survival Of The Fittest (1 key for all)
XIII Classic
Xuan-Yuan Sword The Gate Of Firmament
Yet Another Zombie Defense HD
Ylands Exploration Pack
Yoku's Island Express
Yooka-Laylee And The Impossible Lair
Zack 2 Celestine's Map
ZIC Zombies In City
Zombie Army Trilogy

I'm from EU,so GAMES SHOULD work pretty much anywhere
NOT BUYING GAMES,ONLY TRADES - games for games or selling for paypal
No interest in TF2 keys,CSGO cases or ANY other virtual currency
BUYER covers the FEES (if outside EU,EU F&F only)
My Steam account so you don't offer me something I own
My Wishlist
My SGSRep
My IGSRep
​
​
Only looking for Steam games - so don't offer origin,uplay,rockstar,bnet or ANY other launcher
100% of my games keys are bought by me from official stores & I expect the same in return,so don't offer me keyshop games or game keys you got in a trade as I will decline
I retain the right to ask for proof of ownership for ANY game I want - just like YOU have the right to ask me the same
​
​
List of games I have:
Also have the Earthquake Relief bundle but reddit wont let me write all the games cause my topic would be too big - just ask
7 Billion Humans
8Doors Arum's Afterlife Adventure
10 Second Ninja X
60 Seconds!
112 Operator
140
198X
911 Operator
A Case Of Distrust
A Year Of Rain
Absolver
Aeolis Tournament
Age Of Wonders III
Ageless
Airport CEO
AI War 2
Alien Spidy
Aliens Vs Predator Collection
All You Can Eat
Almost There The Platformer
American Fugitive
Amnesia A Machine For Pigs + The Dark Descent (1 key for both games)
Amnesia Fortnight 2012
Amnesia Fortnight 2014
Amnesia Fortnight 2017
Amnesia Rebirth (X2)
Among Us (X2)
Ancestors The Humankind Odyssey (EU & Africa lock)
Aragami (X2)
Archamon
Army Men RTS
Attack Of The Earthlings
Automobilista
Aven Colony
Avernum 3 Ruined World
Azkend 2 The World Beneath
Back 4 Blood (EU region lock)
Backbone
Band Of Defenders
Banished
Baseball Riot
Batora Lost Haven
Battlestar Galactica Deadlock
Behind The Frame Finest Scenery NEW
Beholder 2
Bendy And The Dark Revival (X2)
Bendy And The Ink Machine
Betrayer (delisted)
Between The Stars (X2)
Beyond Eyes
Beyond The Wire
Bionic Commando
Bionic Commando Rearmed
Bird Of Light
Black Paradox
Blasphemous
Bloodstained Ritual Of The Night
Bohemian Killing
Book Of Demons
Bomber Crew Deluxe
Borderlands 3 + Director's Cut (ask about region locks)
Borderlands 3 Super Deluxe Edition NEW (ask about region locks)
Boreal Blade
Broken Age (X2)
Brothers A Tale Of Two Sons (X2)
Builder Simulator NEW
Butcher
Call Of Juarez
Call Of The Sea (X2)
Call To Arms Basic Edition
Call To Arms Gates Of Hell Ostfront
Car Mechanic Simulator 2018
Chenso Club
Chernobylite Enhanced Edition
Cities In Motion 2
CivCity Rome
Clone Drone In The Danger Zone
Clouds & Sheep 2
Coffin Dodgers
Cook Serve Delicious 3
Company Of Heroes Complete Edition
Control Ultimate Edition
Corridor Z
Cosmic Osmo And The World Beyond The Mackerel
Crash Drive 3
Creatures Inc
Crookz The Big Heist
Crossbow Bloodnight
Crusader Kings Complete
Crying Suns
Dagon The Eldritch Box
Danger Scavenger
Day Of Infamy
Dead Age
Dead In Vinland
Deadly Premonition Director's Cut
Deadbeat Heroes (X2)
Dear Ester Landmark Edition
Death Stranding Director's Cut
Death Squared
Deep Dungeons Of Doom
Deep Sky Derelicts
Demon Turf
Deployment
Desert Child
Destiny 2 Beyond Light NEW
Diaries Of A Spaceport Janitor
Dicey Dungeons (X2)
Dimension Drifter
Distraint 2 + Soundtrack
Divekick
Dog Sled Saga
Double Fine Adventures Complete Series Deluxe
Downwell
Drawful 2
Draw Slasher
Dreadlands
Dread X Collection
Driftland The Magic Revival
Dry Downing
Duke Nukem Forever Collection
Dungeon Marathon
Dungeon Of The Endless
Dungeons 2
Dungeons 2 Complete
Dungeons 3
Dusk
Dwarfs!?
Eador Imperium
EarthX
Eastside Hockey Manager
ECHO
Edge Of Eternity
Effie
Elderborn
Eldest Souls
Elden Path Of The Forgotten
Embr
Emily Is Away
Empyrion Galactic Survival
Epic Manager
E.T. Armies Deluxe Edition
Etherborn (X2)
Euro Truck Simulator 2
Europa Universalis IV
Evergarden
Expeditions Viking
F1 2018 (delisted)
Family Man
Fantasy Blacksmith
Fantasy Versus
Farmer's Dynasty
Farming Simulator 17
FIA European Truck Racing
Figment (X2)
Finding Paradise
Fire Ungh's Quest
First Class Trouble
Five Dates
Fling To The Finish
Fluffy Horde
Fobia St. Dinfna Hotel
Forgive Me Father
Framed Collection (X2)
Friday the 13th: The Game
Fun With Ragdolls The Game
Fury Unleashed (X2)
Gang Beasts
Garage Bad Trip (X2)
Gas Guzzlers Extreme
Gas Station Simulator
Gauge
Generation Zero NEW
Ghostrunner
Giana Sisters Twisted Dreams + Rise Of The Owlverlord
Gloria Victis NEW
GNOG
Go Home Dinosaurs!
Goat Of Duty
Goetia (X2)
Going Under (X2)
Golden Light
Golf Gang
GoNNER
Grand Ages Medieval
Grand Pigeon's Duty
Greak Memories Of Azur
Gremlins Inc.
Grip Combat Racing + Cygon + Nyvoss + Terra + Vintek DLC (X2)
Guts And Glory (X2)
Hack'n'Slash
Haiku The Robot (X2)
Hamilton's Great Adventure
Hammerfight
Headlander
Heal
Hedon Bloodrite
Hell Let Loose
Hellblade Senua's Sacrifice
Hello Neighbor
Hellbound
Hero Defense
Hero's Hour (EU region lock)
Hexologic
Hidden & Dangerous Action Pack
Hidden & Dangerous 2 Courage Under Fire
Hive Jump (X2)
Hiveswap Act 2
Hiveswap Friend Sim (X2)
Hollow Knight
Homeworld Deserts Of Kharak
Hotshot Racing
Hot Tin Roof The Cat That Wore A Fedora
Hot Wheels Unleashed
Hover (X2)
Human Resource Machine
Hurtworld
I Am Bread
I Am Not A Monster First Contact
Ice Lakes
If Found...
Ikenfell
Impact Winter (delisted)
In Between
Industria
Inexistence Rebirth
Infinite Air With Mark McMorris (delisted)
Influent
Inmost
Interplanetary Enhanced Edition
Intruder
Ion Fury
Iron Danger
Iron Harvest
Jack Axe
Jalopy
Jet Set Knights
Juanito Arcade Mayhem
Jump Stars
Jurassic World Evolution
Just Die Already
KartKraft
Kathy Rain Directors Cut
Keep Talking And Nobody Explodes (X2)
Killing Floor 2 Digital Deluxe NEW
Kill To Collect
Kingdom Classic (X2)
Kingdom New Lands
Kingdoms Of Amalur Re-Reckoning Fate Edition
King Oddball
Labyrinthine
Last Oasis
Last Tide
Lawn Mowing Simulator
Lead And Gold Gangs Of Wild West (X2)
Legacy Of Dorn Herald Of Oblivion (delisted)
Legend Of Keepers Career Of A Dungeon Master
Leisure Suit Larry Retro Bundle (1 to 7)
Lethal League Blaze
Liberated (GOG key)
Lifeless Planet Premium Edition
Light Fall
Little Big Workshop
Lone Fungus
Lost Planet Complete Pack
Lost Ruins
Lust For Darkness
Lust From Beyond M Edition
Magicka
Magrunner Dark Pulse
Maid Of Sker
Main Assembly (X2)
Mars Horizon
Masquerade The Baubles Of Doom
Max Payne 3 (Rockstar Launcher)
Mega Man Legacy Collection
Midnight Ghost Hunt NEW
Midnight Protocol
Mind Scanners
Mini Metro
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I just saw a post of a girl who's kinda chubby, but I wouldn't call her super fat. Yet, for some reason, it feels like people on this shitty app equate any amount of body fat as "unhealthily overweight." They all pounced on her and kept calling her super fat, and anyone who argued against it got downvoted.
I mean, look, I know most people are not the spitting image of our ancestors with today's diets and sedentary lifestyle, but people need to get over this "overweight = early death" mentality. It is not always so.
Obesity does put people at risk for a lot of health problems. I am not denying that. And heart disease is a huge killer, but I don't think someone with a bit of pudge is gonna drop dead from a heart attack at age 50.
Please go touch grass. I guarantee you half the people commenting on these women are just insecure themselves. Or just take a look at your own parents, chances are they gained weight as they got older. Shit happens.
A lot of it is a big mix of genetics, culture, geography, diet, and lifestyle. I've seen healthy eaters and active folk with chubby arms and belly fat, and I've seen total sugar junkies who just cannot gain weight.
Like, I have a friend who is very skinny and he drinks large sodas every day and is obsessed with fast food. Then take one of my family members, who has some chub but she hikes, plays tennis, and always eats really healthy foods in reasonable portions.
It feels like such a controversial act just to be happy with your body these days, I swear.

I just saw a post of a girl who's kinda chubby, but I wouldn't call her super fat. Yet, for some reason, it feels like people on this shitty app equate any amount of body fat as "unhealthily overweight."
I mean, look, I know most people are not the spitting image of our ancestors with today's diets and sedentary lifestyle, but people need to get over this "overweight = early death" mentality. It is not always so.
Obesity does put people at risk for a lot of health problems. I am not denying that. And heart disease is a huge killer, but I don't think someone with a bit of pudge is gonna drop dead from a heart attack at age 50.
Please go touch grass. I guarantee you half the people commenting on these women are just insecure themselves. Or just take a look at your own parents, chances are they gained weight as they got older. Shit happens.
A lot of it is a big mix of genetics, culture, geography, diet, and lifestyle. I've seen healthy eaters and active folk with chubby arms and belly fat, and I've seen total sugar junkies who just cannot gain weight.
Like, I have a friend who is very skinny and he drinks large sodas every day and is obsessed with fast food. Then take one of my family members, who has some chub but she hikes, plays tennis, and always eats really healthy foods in reasonable portions.
It feels like such a controversial act just to be happy with your body these days, I swear.

My cat is the holy grail of spicy spite. He loves to be outside all the time during summer(the season we're in). So yesterday when he came home i locked all the doors so he could be home for meds and he'll be taken there today without issues. Simple enough. So i put away all things that can be pushed off the tables or anything he can destroy to spite us for keeping him inside against his will. He does not want to play with me because he is mad. What he resorted to doing instead was find the one single piece of paper and prance around the house till he found out he could jam it between the fridge door. Side note he can open doors. So my fridge luckily is half empty where only 2 veggies reside. They will now need to be eaten today because they will rot if not(opening the fridge makes the moisture condense inside of the packaging therefor speeding up the rotting process.) This wasn't such a big deal except he also decided to fuck with the bathroom. When i woke up to take a piss he was tryna open the toilet lid and throw toilet paper in to clog it. I caught him red handed and he acted like he did nothing with toilet paper still attached to his claws. I gave him a chair to entertain himself for when i made food and he is angry at the chair for excisting. I remove it and he is mad he cant see what i am making no more and decides to bite my ankles. Now that i sat down to eat and watch anime my boy is tryna push his ass in my face so i cant see or eat my food. I put him on the floor and he gets back up again and stares intensely at me before plopping down for a nap. I hope this nap can last a few hours because thats how bitchy he's been all day and night. He is very cute. 10/10 would recommend other people get a cat from shelters.
Yes i really tagged this relationship/love because i love him.

Combat, the factor that is most critical to survival in zomboid, against both zombies and players. There is no avoiding zombies and no way to disengage with a player set on killing you. This fact therefore makes the combat system specifically firearms and handheld weapons seem rather lackluster and poorly designed. I want to split this into to parts melee, firearms.
Melee: When fighting against zombies the current system works well, conditions and their effects on your characters effectiveness with weapons work well and are well developed. Yet as soon as you fight a person this system completely devolves into a skill determined stunlockfest that breaks the fun and ability of a player. I think the things that are vital for this system to be reworked and add tension and skill are (Blocking enemy attacks, a way to get out of stunlock and some kind of factor that allows people with lower character skill to at least stand a chance against a high skill character.)
Firearms: God damn is this the weakest part of the system, even first time shooters have no problem hitting center mass at close quarters, moving and stationary, why does our character miss shots that are closer that arms length multiple times. Second long range fights are poor as they are skill determined and attachment based, combined with stunlock this becomes a who gets the drop with rng in the mix. There is no "bullet drop" or any special way armor affects chances of survivability, getting shot with armor can help you stay on your feet and dash to cover instead you still get stun locked and it simply prolongs your suffering . On the topic of cover, a system of cover needs to be implemented, car should provide some reduction and ability to hide (although most weapons 9mm and up can turn cars into paper mache it still provides abstraction and chances to avoid death especially near car engines) there needs to be more definite cover as concrete barriers and walls dont always register as cover. Although these are very half baked solutions the closest I can think of at the moment is the cover system of the division video game series, with every object having a somewhat clearly explained ability to hide behind and move from cover to cover. I think a similar system would do wonders for zomboid if it continues with the rng firearms, and would be even better with a reworked way to register bullets and firearm combat.

Original Source: https://boringmoney.in/p/sebi-mutual-funds-ter-performance (my newsletter Boring Money. Do visit the link to subscribe if you'd like to receive similar posts in your inbox)
--
Here’s how mutual funds make money:

1. An investor gives the fund some money to manage
2. The fund manages it by investing that money in stocks, bonds, etc.
3. The mutual fund company charges a management fee for this service, which is a fixed percentage of whatever it manages

The incentive here is clear. The fund needs to increase the amount of money that it manages. One way for a fund to do this is by, well, investing well. If a fund’s investment goes up in value, it automatically manages more money. But investing well is hard, slow, and not a lot of fun. The fun way to manage more money is just getting more money from your investors. That way, the fund needn’t worry too much about how the fund performs, the company running the fund makes money either way.
Last month, SEBI released a consultation paper that reevaluates how mutual funds charge for their services. The paper has 15-odd proposals but I’m only writing about the couple interesting ones. Here’s a post from Zerodha that summarises all proposals, if you’d like to see them all on one page.
SEBI doesn’t particularly like that the only way for mutual funds to make money is by accumulating more money from investors. One solution it’s considering is to allow mutual funds to charge not just for money management, but for performance. Sure, let mutual funds take some money for managing these assets, but if the fund performs well, give the fund company a decent chunk of the profits as well. That’s how hedge funds work, and arguably they do have a lot more fun with their investments. [1]
Here are two possible approaches that SEBI is considering. From its consultation paper:

Approach A: During the period in which the investor remains invested, the base expense ratio may be charged to the investor. At the time of redemption, the management fees may be charged if return of more than indicative rate is generated or annualised returns received by the investor is above the hurdle rate .… Approach B: There can be another approach where higher expense limit for performance based TER [percentage fee] may be fixed and TER inclusive of management fees is charged to the investor. The TER charged by the schemes in such cases should be based on the schemes’ performance during the previous year. At the time of redemption by the investor, if AMC fails to generate return above the indicative returns for investor or the annualised returns for the investor is below the hurdle rate fixed in advance, the AMC may retain base TER as may be applicable and return the remaining expenses charged to the investor, along with the redemption amount.

In Approach A, if you invest in a mutual fund, you’re charged the regular management fee right until you withdraw your money. When you do withdraw, the fund deducts a nice chunk from your profits (beyond a certain agreed upon threshold) and returns the rest. In Approach B, the fund just charges you a higher management fee to begin with. When you actually withdraw, it calculates your profit and returns any extra money it might have charged earlier.
This is very different from how hedge funds are paid! The general rule with investments is that you’ll have good years and you’ll have bad years. If a hedge fund has a good year, it’s going to charge for performance right away and take away its share of the profit before it gets to a bad year. If a SEBI-regulated mutual fund has a good year, it’s not going to be paid until the investor withdraws! In the management fee model, a mutual fund is incentivised to convince investors to invest as much as possible. In this performance fee model, a mutual fund is incentivised to convince investors to.. withdraw?
I really understand what SEBI is trying to do here. Hedge funds take a lot of risk and often go crazy. If the risk pays off, they’ll earn a lot that year. If the same risk doesn’t pay off the next year, bahh, the investor might lose half their capital but at least the hedge fund got paid the year it did do well. Going by SEBI’s proposal, mutual funds will have to care about their investors’ real returns which will be a mix of both the good and bad years. Sure, it might work. But I wouldn’t be surprised if mutual funds just get their investors to withdraw more often to lock-in their share of the profits.
Grass is greener on the side of the new fund
A well known phenomenon of the Indian investment market is that investors don’t invest by themselves. They need a bit of a push and prod. Even if they want to invest, they need help with how much and where.
Mutual fund companies rely on distributors to sell their funds to end customers. Because, well, most investors don’t ever download an app and start investing. They buy through distributors who they trust! In return, these distributors also get a fixed percentage fee, just like the mutual fund company itself. [2] Since these distributors sit in-between the mutual fund company and the investor, it gives them quite a bit of power.

1. If a mutual fund company is starting a new fund, it will ask its distributors to convince investors to buy this newShinyFund. This newShinyFund will give distributors a higher-than-usual distribution commission
2. The distributor now goes to their customers and asks them to invest in this newShinyFund because it’s new and shiny. But the customer won’t just have large chunks of money lying around to invest. So the distributor will say “hey why don’t you just transfer your money from oldBoringFund to newShinyFund—I’ll do it for you”
3. The customer says “yeah, cool” and they’re now an investor in newShinyFund which pays more to both the distributor as well as the mutual fund company

27% of the money in new mutual fund schemes launched between April 2021 and September 2022 came from old mutual fund schemes. In one case, this figure was over 55%. Over time, newShinyFund would become oldBoringFund, and the mutual fund company could just launch a newNewShinyFund and well, distributors would then sell that and life would go on.
SEBI’s proposal is ending this! If a distributor switches an investor from oldBoringFund to newShinyFund, but oldBoringFund pays less commission than newShinyFund, they still get paid the lower commission even if their customer is now switched into newShinyFund. I’m sure mutual funds and their distributors will find a way around this sooner or later, but for now, the incentive to push new funds is lost. [3]
They see me regulatin’, they hatin’
One way of looking at SEBI is that as a regulator it needs to ensure there’s transparency and let market participants handle the rest. SEBI is, after all, a market regulator, so it would be a bit weird if it didn’t believe in market forces.
Going by this line of thought, SEBI wouldn’t propose barring distributors being paid more to switch their customers into new funds. If a mutual fund company wants investors in its shiny new fund, and it’s willing to pay distributors more to achieve that, why does SEBI see it as a problem? Its job is to ensure that the investor knows what’s happening, but then it’s up to the investor to choose what they want to do.
I can imagine a solution that wouldn’t limit how much commission distributors get, but instead force them to explicitly inform every investor just how much more money they stand to make if the investor buys into the new fund. “Hey there’s this fund that’s great and you should invest in it maybe. It’s new and shiny, can I transfer your money to it, pretty please? If you say yes, I get to take my wife and kids to Europe this year.” I’m sure some investors would say yes, but presumably the majority would not.
Footnotes
[1] Here’s an Investopedia piece on the “9 Biggest Hedge Fund Failures". Hedge funds, even those managing billions of dollars, often take on a lot of risk and frequently implode. Mutual funds rarely (never) do.
[2] These days, it makes little sense for anyone to invest via a distributor and lose money in the form of a lifelong commission. There are tens of fintech apps which allow for direct investing, as do almost all mutual fund websites.
[3] The SEBI regulation applies when a distributor “switches” their customer’s money from one fund to another. If the same customer first withdraws their money, then re-invests in the new fund recommended by their distributor, the distributor can then get the new, higher commission. Definitely a more annoying and time-consuming process though.
Source: https://boringmoney.in/p/sebi-mutual-funds-ter-performance

Original Source: https://boringmoney.in/p/sebi-mutual-funds-ter-performance
--
Here’s how mutual funds make money:

1. An investor gives the fund some money to manage
2. The fund manages it by investing that money in stocks, bonds, etc.
3. The mutual fund company charges a management fee for this service, which is a fixed percentage of whatever it manages

The incentive here is clear. The fund needs to increase the amount of money that it manages. One way for a fund to do this is by, well, investing well. If a fund’s investment goes up in value, it automatically manages more money. But investing well is hard, slow, and not a lot of fun. The fun way to manage more money is just getting more money from your investors. That way, the fund needn’t worry too much about how the fund performs, the company running the fund makes money either way.
Last month, SEBI released a consultation paper that reevaluates how mutual funds charge for their services. The paper has 15-odd proposals but I’m only writing about the couple interesting ones. Here’s a post from Zerodha that summarises all proposals, if you’d like to see them all on one page.
SEBI doesn’t particularly like that the only way for mutual funds to make money is by accumulating more money from investors. One solution it’s considering is to allow mutual funds to charge not just for money management, but for performance. Sure, let mutual funds take some money for managing these assets, but if the fund performs well, give the fund company a decent chunk of the profits as well. That’s how hedge funds work, and arguably they do have a lot more fun with their investments. [1]
Here are two possible approaches that SEBI is considering. From its consultation paper:

Approach A: During the period in which the investor remains invested, the base expense ratio may be charged to the investor. At the time of redemption, the management fees may be charged if return of more than indicative rate is generated or annualised returns received by the investor is above the hurdle rate .… Approach B: There can be another approach where higher expense limit for performance based TER [percentage fee] may be fixed and TER inclusive of management fees is charged to the investor. The TER charged by the schemes in such cases should be based on the schemes’ performance during the previous year. At the time of redemption by the investor, if AMC fails to generate return above the indicative returns for investor or the annualised returns for the investor is below the hurdle rate fixed in advance, the AMC may retain base TER as may be applicable and return the remaining expenses charged to the investor, along with the redemption amount.

In Approach A, if you invest in a mutual fund, you’re charged the regular management fee right until you withdraw your money. When you do withdraw, the fund deducts a nice chunk from your profits (beyond a certain agreed upon threshold) and returns the rest. In Approach B, the fund just charges you a higher management fee to begin with. When you actually withdraw, it calculates your profit and returns any extra money it might have charged earlier.
This is very different from how hedge funds are paid! The general rule with investments is that you’ll have good years and you’ll have bad years. If a hedge fund has a good year, it’s going to charge for performance right away and take away its share of the profit before it gets to a bad year. If a SEBI-regulated mutual fund has a good year, it’s not going to be paid until the investor withdraws! In the management fee model, a mutual fund is incentivised to convince investors to invest as much as possible. In this performance fee model, a mutual fund is incentivised to convince investors to.. withdraw?
I really understand what SEBI is trying to do here. Hedge funds take a lot of risk and often go crazy. If the risk pays off, they’ll earn a lot that year. If the same risk doesn’t pay off the next year, bahh, the investor might lose half their capital but at least the hedge fund got paid the year it did do well. Going by SEBI’s proposal, mutual funds will have to care about their investors’ real returns which will be a mix of both the good and bad years. Sure, it might work. But I wouldn’t be surprised if mutual funds just get their investors to withdraw more often to lock-in their share of the profits.
Grass is greener on the side of the new fund
A well known phenomenon of the Indian investment market is that investors don’t invest by themselves. They need a bit of a push and prod. Even if they want to invest, they need help with how much and where.
Mutual fund companies rely on distributors to sell their funds to end customers. Because, well, most investors don’t ever download an app and start investing. They buy through distributors who they trust! In return, these distributors also get a fixed percentage fee, just like the mutual fund company itself. [2] Since these distributors sit in-between the mutual fund company and the investor, it gives them quite a bit of power.

1. If a mutual fund company is starting a new fund, it will ask its distributors to convince investors to buy this newShinyFund. This newShinyFund will give distributors a higher-than-usual distribution commission
2. The distributor now goes to their customers and asks them to invest in this newShinyFund because it’s new and shiny. But the customer won’t just have large chunks of money lying around to invest. So the distributor will say “hey why don’t you just transfer your money from oldBoringFund to newShinyFund—I’ll do it for you”
3. The customer says “yeah, cool” and they’re now an investor in newShinyFund which pays more to both the distributor as well as the mutual fund company

27% of the money in new mutual fund schemes launched between April 2021 and September 2022 came from old mutual fund schemes. In one case, this figure was over 55%. Over time, newShinyFund would become oldBoringFund, and the mutual fund company could just launch a newNewShinyFund and well, distributors would then sell that and life would go on.
SEBI’s proposal is ending this! If a distributor switches an investor from oldBoringFund to newShinyFund, but oldBoringFund pays less commission than newShinyFund, they still get paid the lower commission even if their customer is now switched into newShinyFund. I’m sure mutual funds and their distributors will find a way around this sooner or later, but for now, the incentive to push new funds is lost. [3]
They see me regulatin’, they hatin’
One way of looking at SEBI is that as a regulator it needs to ensure there’s transparency and let market participants handle the rest. SEBI is, after all, a market regulator, so it would be a bit weird if it didn’t believe in market forces.
Going by this line of thought, SEBI wouldn’t propose barring distributors being paid more to switch their customers into new funds. If a mutual fund company wants investors in its shiny new fund, and it’s willing to pay distributors more to achieve that, why does SEBI see it as a problem? Its job is to ensure that the investor knows what’s happening, but then it’s up to the investor to choose what they want to do.
I can imagine a solution that wouldn’t limit how much commission distributors get, but instead force them to explicitly inform every investor just how much more money they stand to make if the investor buys into the new fund. “Hey there’s this fund that’s great and you should invest in it maybe. It’s new and shiny, can I transfer your money to it, pretty please? If you say yes, I get to take my wife and kids to Europe this year.” I’m sure some investors would say yes, but presumably the majority would not.
Footnotes
[1] Here’s an Investopedia piece on the “9 Biggest Hedge Fund Failures". Hedge funds, even those managing billions of dollars, often take on a lot of risk and frequently implode. Mutual funds rarely (never) do.
[2] These days, it makes little sense for anyone to invest via a distributor and lose money in the form of a lifelong commission. There are tens of fintech apps which allow for direct investing, as do almost all mutual fund websites.
[3] The SEBI regulation applies when a distributor “switches” their customer’s money from one fund to another. If the same customer first withdraws their money, then re-invests in the new fund recommended by their distributor, the distributor can then get the new, higher commission. Definitely a more annoying and time-consuming process though.
Source: https://boringmoney.in/p/sebi-mutual-funds-ter-performance

it’s universally agreed that toilet paper goes over, but here’s a paragraph for those idiots that have a different opinion:

It goes over. There is not a SINGLE valid argument for under, except for maybe because it secures the roll so you don’t accidentally roll too much or if you have a pet. Here’s what’s wrong with this idiotic argument. First let’s address your pet. Your pet is garbage, stop letting it play with fucking toilet paper jesus christ have some basic responsibility you lazy fuck. Second, you’re stupid and I hate you. Third, stop being a virgin, it’s not that hard to roll some fucking toilet paper, just go diagonally and you can easily rip it with one hand. Fourth, all the inaccessibility problems outweigh any advantages. Under forces you to dig under and tediously rip the paper, plus it rubs against the wall, which is barbarically uncivilized. 

Clearly over is the correct option, both scientifically and philosophically, but what about when you’re just too lazy to make sure it goes over? Do you shit without the seat because you were too lazy to put it down? No? exactly, be a fucking decent human being and don’t put it under. People that put it under despite knowing the clear advantages of common sense are either medically retarded or has some other mental illness that affects their day to day life in a negative way. Or they are just trying to be unique for the sake of being unique, evil for the sake of being evil, in which case they probably belong in prison or some other form of state oppression. Those types of people are savages who have not evolved past their barbaric caveman baby brains, a biologically inferior species, otherwise known as children. Not taking the time to put it over is exactly like being that child in that one youtube video where he solved the trolley problem by running over all 6 victims. Sure it may seem like a “clever,” “unique,” and un-conformist solution at first, but in reality it’s completely irrational, chaotic, and evil. In fact putting the toilet paper under invents a new evil beyond our basic concepts of it, a new level of horrible discomfort beyond the discomfort of confronting existence. Putting the toilet paper under is the only negative in the world that has zero positives, it shows the uncivilized nature of man and our eternal suffering. It shows how we are no different to romans or medieval knights who practically kill for fun. We are in an age of despair and we will forever remain in this age until we as a species evolve past the point of putting the toilet paper under. I don’t care if you fucking impale the toilet paper sideways, as long as its not under I have basic respect for you as a human being with basic human rights, otherwise you can fuck off. The ultimate meaning, the true endpoint for humanity, is this issue, all we need to do is start having common sense. Who knows if that’s possible. I’m nivison and thank you for coming to my TED talk