Tag Archives: Fit girl Repack

Survival Camp Fitgirl Repack Free Download PC Game

Survival Camp Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Survival Camp Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Survival Camp Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Survival Camp igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Survival Camp for Android and iOS?

Yes you can download Survival Camp on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Survival Camp

Now to download and Install Survival Camp for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

First you have to download Survival Camp on your PC.You can find the download button at the top of the post.
Now the download page will open.There you have to login .Once you login the download process will starts automatically.
If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Survival Camp Download

Screenshots (Tap To Enlarge)

Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Survival Camp Review ,Walkthrough and Gameplay

What’s up guys my name is ESO and welcome back to the Survival Camp free download PC game, where we review creation club content so you can decide whether or not you want to spend your hard-earned cash on this content or not I’ve also got a playlist linked down below in the description where you can find all my reviews of the other stuff on the creative Club if you guys are interested but for .Now we’re going to look at the camping mod to start off with make Survival Camp igg games that much more accommodating with this cozy movable campsite complete with an area for sleeping a campfire for warmth and some cooking and also a new fast travel map marker I guess wherever you place your campsite so we don’t accidentally lose our campsite like we always lose Lydia now before we get into this.

I just want to go over to gameplay and show you this survival mode I’ve already done a complete review and analysis of survival mode and exactly how it works but in my opinion this camping mod belongs in the survival mode Survival Camp ocean of games .If one wasn’t ready before the other they should have waited and released them together as one thing I feel like camping is a core mechanic that belongs in the survival mode survival mode is $5.00 and camping is free dollars so it’s going to cost you seven dollars for what I think is a complete survival mode package and they should just be in one in my opinion and you might be thinking well ear so what happens Survival Camp torrent.

I don’t want survival mode but I just want to camp or to be honest you can still download it and then turn survival mode off I think that’s what people are looking for from the creation Club they want completes packages with everything you expect a survival mode to be and that should include camping now it’s worth noting before we get into this that there is already a free camping mod on the ps4 and the Xbox one originally the issue was that the campfire in these mods did not warm you up on survival mode but there’s actually a free mod that fixes this.Anyway either way now we have Bethesda’s version of the camping mod right so let’s go ahead and craft or camp site camping supply so it has a weight or nine it requires free firewood and two leather do you want to create yes okay so I’ve got a tent Survival Camp fitgirl repack.

I guess I’m gonna set up my tent in the middle of white room come Lydia build campsite here okay yes oh okay so it’s going black and there’s actually an animation for us building the camp site slightly the camp site allows you to rest and stay warm while exploring the wilderness you can cook a limited number of mirrors actually this looks retarded let’s go outside and do this again so of course as you do you find the perfect picturesque location to pitch your campsite this is actually the Survival Camp pc download retreat there’s a little guy just chilling out down there by the rocks on his own it’s a little bit suicidal I’m not sure.

But anyway I’m gonna put my camp site where do I want it I want to put it just here on the rocks actually so let’s get our camp site out now actually made a few of these build camp site here yes it actually uses it up once you use it which is quite an interesting mechanic because it means you actually have to carry around a few of them with you okay so here we are my camp site is built and oh my god it looks so good right now with this view of Solitude so what do we have here we have a crate a sideways crate that we can sit on okay now sadly there’s not actually one for my follower it’s just me and usually you know most people bring followers with them there’s a campfire and there’s also obviously a shelter I can sleep I can break the camp Survival Camp fitgirl repack.

I can cancel it’s quite cool that they have a map here though that’s quite a nice touch though I mean you know I don’t the textures around this campsite are a bit kind of like sharp on me cut off it doesn’t look very polished in a sense though the way this sits on the ground is pretty cool. I like that so the campfire here let’s use this and I can actually cook food here which is very useful for survival mode sadly though. I cannot cook soups because we don’t have a pot above our campfire it’s a bit disappointing they didn’t include the pot because soups are Survival Camp free download so valuable in survival mode but I guess you know you need to prepare that before you head out so obviously I can sleep here and I mean there’s a campsite isn’t it it’s very simple what you get for free dollars I mean you get one dollar per object.

I guess and you can also break the camp which obviously removes it are you sure you want to break the camp yes actually no I don’t want to do that yeah let’s have a look on the map so you can see I have a campsite location just here what I want to try and do is build a campsite in another location and see if the previous campsite disappears Lydia is really excited about this camp sigh oh my god okay so we’ve got two campsites now and as you can see I can fast travel to this campsite and I can also fast travel back to my old campsite.Oh no icon is disappeared okay so if you build a new campsite your old one will just disappear.

I thought I’d be able to fast travel between them okay you can’t do that so another thing I can do is break the camp if you guys look right now I have two camping supplies left if I break this yes all that happens is I basically destroy my own campsite the guy’s disappeared I already know why they had that fade to black animation and I only have two left see you so these are actually consumable camp supplies you use it and then it just disappears we’re just kind of like not accurate to how it would be in real life really if you had a camping supply so you actually have to think about this when you go out adventuring you have to go and make your own camp maybe bring two campsites with you before you head off so you can actually stop along the way and maybe cook some food Survival Camp free download.

I mean it’s a cool idea and I like it because you can’t fast travel in survival mode but the thing is this is definitely for survival mode I mean unless you’re role-playing you’re never actually going to use it in the normal vanilla Skyrim game I don’t think unless you just want to have a permanent campsite in a cool location that you can fast travel to at the top of a mountain or something but apart from that I don’t think you’d ever use it which is why I think it’s really important that this should have just been a part of survival mode in the beginning I don’t think it’s bad or anything I just think why not include it in survival mode you know so one last thing I’m gonna try is going into a cave and seeing if we can camp inside the cave oh wow that side dodged there what is this troll ridiculous dodging skills okay so I can wait here I’m just gonna put my camp site on right here in this cave you cannot build camp sites while indoors okay so even in a long dungeon you can’t like sell camp in the dungeon and you know sleep and eat and so on I just want to double-check if you could do that.

I think it would be kind of cool if you could so my closing thoughts on the camp site mod you can get better versions of this for free and I have made a video already which I suggest you guys check out but because it’s the top 10 best survival mods for the ultimate survival experience this camp site mod isn’t bad I just think there are better things for paying money for it.I also think it should have been included in the original survival mode now let’s take a look at the four dollar adventurers backpack.Now this one was actually made by fading signal who is quite well known on Nexus don’t head off into the wilderness without your adventurers backpack craft 16 variations with assorted effects right and there is indeed a whole different variety of backpacks you can make with smort I’m actually quite excited for this one I know the fool out version of this mod added little boost your character so I’m quite interested to see how this works and what it’s like I’m going to use the blacksmithing station outside my new house mod I actually reviewed this one yesterday it’s actually pretty cool I liked it a lot so here we go blacksmithing I assume is going to be a miscellanea adventurers backpack which increases my carrying capacity by 75 points.

It increases my stamina by 20 points and we also have a same version it’s just got a bedroll underneath it I don’t know what the bedrug does apart from costing one more leather and looking a bit cooler I will look if it has any purpose in a moment there’s also a dark leather backpack a fine leather backpack each one has a version with a bedroll a fur backpack this looks pretty spicy actually and a hunter’s backpack which has a hag Ravens head a water bottle a torch dagger and a rope there everything you need for hunting and it also makes bows do 10% more damage which sounds like the best kind of backpack to be honest the lantern is a free mod I haven’t stole not part of this mod a just a normal leather backpack ok the mage backpack this one looks pretty fancy as well and it gives us another 20 points of Survival Camp free download the thief’s backpack which kit makes lock-picking 15% easier okay well I think the mage backpack is obviously the best if you’re a mage and then the hunter backpack is easily the best of you’re using a bow and then you have the adventurer backpack if you want that extra 20 stamina because you’re playing a warrior.

I’m gonna go with the hunter backpack and it’s gonna give me 75 more carrying capacity which is again really useful in survival mode so the bedroll doesn’t actually do anything it clips through my bow which is kind of annoying those forgivable I mean it looks cool doesn’t it I mean I’ve actually got a mod that changes where my arrows are but even if they were in the normal place it would look a bit weird maybe .

I’m not sure I guess it’s okay it’s just a backpack mod the thing is there are other backpack mods that are as cool as this one and they’re free so that’s the thing it’s hard to recommend it though this one is very complete in that it has lots of different backpacks that also give you more stats as well I think the issue is always going to be you have things like the hearth fire downloadable content and right now you can get that for literally around five or six dollars and then you have this backpack and it’s four dollars and it’s kind of like how can you sort of compare the value for money there and that’s what people are doing and I think that’s why you know this just isn’t going to work unless they make it more valuable for example why not have all of the unique weapons from oblivion like have a mod pack which is just all of the unique swords from oblivion and all of the unique bows from oblivion as a separate one and then make that into something people will buy that you know .

The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.

Fitgirl

Honey I Joined a Cult Fitgirl Repack

December 31, 2019 admin Leave a comment

Honey I Joined a Cult Fitgirl Repack Free Download PC Game

Honey I Joined a Cult Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Honey I Joined a Cult Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Honey I Joined a Cult Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Honey I Joined a Cult igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Honey I Joined a Cult for Android and iOS?

Yes you can download Honey I Joined a Cult on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Honey I Joined a Cult

Now to download and Install Honey I Joined a Cult for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

First you have to download Honey I Joined a Cult on your PC.You can find the download button at the top of the post.
Now the download page will open.There you have to login .Once you login the download process will starts automatically.
If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Honey I Joined a Cult Download

Screenshots (Tap To Enlarge)

Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Honey I Joined a Cult Review ,Walkthrough and Gameplay

Hey! It’s starting to be Honey I Joined a Cult free download PC game, so you know what that means: cult-recruitment season, so I’m going to be covering “Cult Tycoon”, or the formal name: “Super Cult Tycoon 2 – Deluxe Edition”. This is a cult-management simulator. Now, don’t be fooled by the name; this is a prototype game, but it is overflowing with potential. Look at this opening screen. “Build 3 monoliths to summon the Honey I Joined a Cult igg games, “then defend your compound until it arrives.” Well, this is off to a good start already. I love how our cult has a clear vision from the beginning, something we can work towards. Now, “United Blisstonians” isn’t a bad name, but I wanted to make my own. Although, you’d be surprised how hard it is to come up with an ominous cult name that isn’t already taken. Take a look at these — these are all in use by one group or another. Well, I’m saying hell with it, we’re the “Children of Restoration”. I’m probably offending some church in Baltimore right now, but that’s just too bad. We need to summon the mothership and it’s not going to happen if people think we’re the Mickey Mouse Club.

“Made for the Mysticism pageant at Super Friendship Club “itsalteracationtime.com”. Wow. That tells you everything you need to know, doesn’t it? Let’s get started. So, we start off and a disembodied voice tells us we’re already running from the FBI after our last escapade. Boy, that puts us at a big disadvantage already. This is going to be a short game. Also, the camera and van movement here are kind of choppy. It’s the game, there’s no way around it. Oh, yeah, this is bad. We need to leave now. Alright, here’s the first big thing I dislike about this game: I hate how the background is always out of focus. Turning down the graphics doesn’t help. It’s always like this. This is apparently called “tilt shift photography” and while that could be cool for screenshots, I hate this for actually playing it. But, again, no way to fix it. Honey I Joined a Cult ocean of games So, after wandering the woods, we enter this convenient clearing with a big barn in the center. A perfect place to start our cult. This feels like a shortcut to me. We didn’t have to buy the property, know someone who owns it, get permits… Now, if this was a full-fledged sim, I feel like you should start off with a certain amount of money, or know a certain number of people, and work your way up to acquiring property like this.

The Honey I Joined a Cult torrent might make it look like all you need to start a cult is a bunch of hooded robes and a bonfire, but the reality is: it takes a lot of time, work and money for a cult to be successful, and it can all go wrong at any stage. That’s why this is a perfect theme for a sim game. But anyway, we have property, we have some money, so our next big step, of course, is to get some followers. Now, in the game, this is a simple operation. You just drive your windowless van playing an ice cream jingle into town, and they’ll walk towards your van, or you can just grab them directly. While I love the ice cream van music and how this is named the “Enlightenment Van”, to me, this needs to be developed into much more complex process. Like, driving around and grabbing people to come into a van will be one method of recruitment. And not necessarily the most stable one.

Better methods would be to campaign on college campuses, some church groups, yoga or meditation classes, natural food stores… in my opinion, those are the rich spots for recruitment, depending on your cult’s message. Anyway, once you round up a full load, you bring them back to the barn, then BAM! They’re converted into cultists and your FBI wanted rating increases. See, they’re simplifying this WAY too much. Bringing nonbelievers into the fold, I would argue, is THE hardest part of the cult-building process. There are so many stages and you’re never going to get a 100% conversion rate like you do in this game. Ideally, you would have a smaller introductory compound that new recruits stay in for a couple months before they join the real deal. See, as you get more resources, that could be a potential upgrade for the simulator. Basically, you want an easy exit for the initiates who are never going to fit in with the group anyway, but you want to cut off and isolate all the others from the outside world so that the cult becomes their family, and they’re not led astray by the temptations of modern civilization. Also, this takes time. There shouldn’t be any of this instant conversion crap. It should take at least a few minutes real time. In a good cult sim, you should always be planning ahead.

Anyway, we have our fresh acolytes– I like how they’re dressed–but what’s this? We have idle cultists standing around?! Not on my watch! Idle hands are the devil’s workshop, so let’s take care of that right now. “Crafts Corner — Acolytes sew a variety of wallets and vintage jeans “for international export and fun.” Perfect. Wow, look at the size of that. And the smokestacks. That is some heavy-duty fun they’re going to be having. Now you may notice that now that I have my followers, my “Honey I Joined a Cult fitgirl repack” supply is going down. This is essentially your cult’s morale meter. If you run out of Kool Aid, your cultists will get spooked and start leaving so, to offset that, you have to build Kool Aid Breweries. Again, this is too simple for me. It’s a tricky formula determining who’s going to stay or not. It depends on individual personalities, how many motivational speeches you’re giving… Are you teaching your followers daily lessons about your cult’s beliefs? Do they have a routine they follow? Do you have celebrations? Are people making friends? And so on.

While, yes, you could drug Kool Aid to keep people in a kind of haze, that’s a short term solution. No drug is going to be as powerful as a sober mind that’s been focused in the right direction. Next, we need to build some housing for future acolytes. These are pretty cheap. We don’t need to splurge here as the Children of Restoration are humble servants of a higher force. So, this pattern continues for a while. You keep driving into town or nearby farms, recruit more followers, and your economy, FBI rating and scale of operations increase and you get more upgrades along the way. One upgrade I had really mixed feelings about was the “Robert Sentry” which will round up stray cultists looking to leave. On one hand, we’re clearly crossing over into fiction now. If you want to round up cultists, you use search parties, dogs, perimeter patrols, that sort of thing. On the other hand, this is in homage to the show “The Prisoner” where a giant “Rover” sentry would always stop the protagonist from leaving the area. “The Prisoner” was a very surreal show. I’ve seen the whole thing and I’m still not sure what happened. So, while the reference to the show is cool, I feel like this would be good as an Honey I Joined a Cult fitgirl repack or something for a goofier expansion pack. I think we’re straying out of sim territory with this one. Let’s talk about the economy for a minute. In this game, you get the bulk of your money from making the wallets and jeans, but you also get a little bit in tithes from new followers. If we’re going to be realistic about this, I think it should be the other way around. In real life, donations from followers are hugely important. You need to be convincing people that your cult is all they’ll ever need so they should cast off their old life full of material possessions, and donate all that stuff to the cult in order to further your cause.

For poorer members, it just means pawning off their goods, but for wealthier ones, it means taking out a mortgage on their house, or donating additional property… this stuff can be your lifeline. Even then, for your true believers, you want to get some of them back out there convincing THEIR friends and family to donate THEIR money and possessions to the cult. I mean, yeah, you still want to keep selling the handmade crafts on the side, but getting fresh money coming in should be an ongoing need in the game. Anyway, after a while, your FBI rating increases even more and they start sending units to your compound. You have to stop them from entering your barn at all cost because you lose mysticism each time they get a peek. To prevent this from happening, you can build public relations buildings to bribe them to go away. To me, this right here is where the game falls apart. I have problems with this on multiple levels. First, only THE biggest cults have dedicated PR buildings like this. If you’re operating out of a barn in the woods, you don’t have a PR department. Second, we’re BRIBING FBI officials?! Excuse me?! Now, I’m not saying it’s impossible for an FBI agent to become corrupted, but the vast majority of agents are not going to back down if your cult throws bags of money at them. Do you have any idea how many background checks federal law enforcement officials undergo? Actually, Honey I Joined a Cult fitgirl repack. Background INVESTIGATIONS.

We’re talking about the FBI, not the local town sheriff and his cousin deputy. The feds are largely vetted. You offer to bribe them, you’re giving them a nice juicy excuse to bust your ass. Third, law enforcement should not feel welcome to come in and stroll about your compound. If an FBI truck is rolling up, they either need a warrant or need to get the hell off your property. The end. Now, if they DO have a warrant, that’s another story; we’ll come back to that in a minute.

Now, if they wanted to make this more real world, they could do sweeps for surveillance equipment, or worst of all– try to root out an undercover agent who has infiltrated your compound. That would only happen at late game stages, though. Before the FBI or the ATF start knocking on your door, you know who’s likely to show up? Child protection services if they think any children aren’t getting a proper education; the IRS if you’re not on top of your taxes; city officials making sure your paperwork or permits are in order. That stuff can all bring you down long before the feds even know who you are. Your first line of defense with your cult is isolation. This game seems to cover that. But once “the Man” knows where you are, your next step should be to lawyer up. Make the law work for you. You should be handing those bags of money to the lawyers, not the feds. They’re the ones who are going to turn these trucks around, or make them wish they never came here. You want to get sued for harassment? Because you’re acting like you do. So, I don’t like this PR building system one bit. But, sooner or later, if your cult keeps growing in influence and achieving greatness, the feds are likely to raid your place, especially in the post-Homeland Security world that we live in. Now, the way you handle this, I think should be based on how close to our goals we are. I haven’t started building the monoliths yet because, in this game, once you do that, your FBI rating will not stop increasing. These monoliths get their attention; they can’t handle the truth. Honey I Joined a Cult fitgirl repack, really, what this game should do is if the feds were to raid you at this stage, then your best bet would be to have pre-built underground panic rooms where any VIPs, guns, known felons could hide out while they conduct a search. Like, this might get to be an issue if one of your cult members is related to someone influential, like, say, a congressman’s daughter is part of your cult. You might think she would be more trouble than she’s worth, but she could also be bringing in the MOST MONEY into your cult, so it’s really a balancing act.

Perfect of a sim game. But once you have enough resources, you construct the monoliths, then it’s game on! I love how the tone changes here. Now this feels like a world changing event! But, god, I hate this PR building system, because, let’s face it, if we are THIS close to our salvation, then now is when you bring out the guns. None of this PR building crap. The game should switch over to a tactical shooter at this point. You should bring everyone into the barn and start firing from the windows. You should keep whole families together, especially the children, because the feds will think twice about spraying the place with bullets if they know it’s full of kids and other noncombatants. Now, if you were prepared, you would have gas masks and if you were REALLY prepared, you would have underground tunnels also, but that’s a lot of work. 50% MYSTICISM! NO! WE ARE SO CLOSE, MY CHILDREN! All right, I hate to be a buzzkill with such a great buildup like this, but the ending to this game is really weak. Whether you win or lose, the ending is totally anticlimactic.

If you win, you drive away and the ominous voice says hateful things to you. I don’t even feel like showing it; it’s just poorly written. It just ruins the whole mood. But here’s the “bad” ending. So, yeah, that’s “Cult Tycoon”. I think there’s a lot to be learned here. “Cult Tycoon” is serving up a prototype of a game that should be made. In the past, I would’ve said this game concept is money lying in the ground. If someone were to turn this into an all-out simulator, I’d think you could sell copies for sure. Nowadays, it’s anyone’s guess if a game will be successful or not, but there is currently no game like this on the market.

There are no other cult simulators I know of, except for some cheap web game I found. It never hurts to have a unique concept for a game. All right, I should finish this up, but before I do, I know some people out there are saying, “Ross, now I want to get involved with a cult “but I don’t know what to do! C’mon! You can’t leave me hanging like this!” Well, not to worry, I’ve got you covered. Now, I can’t tell you what cult you should join as that’s a very personal decision, but I can at least get you started. If you want to get involved with a cult, the best resource I know is the Fellowship for Intentional Community homepage, or ic.org. This has everything–books, blog entries, its own magazine, various events, and most important, its directory. Here, every group that’s anybody is going to advertise themselves and give you some details of what they’re all about. There’s a big variety, too.

For example: do you hate technology and think it is evil? Are you tired of so-called “religious people” who don’t REALLY follow their faith and want to be the with the True Believers? Do you love the Second Amendment and want to live in a community where every single citizen is armed at all times? Do you want to find neighbors with similar views that shouldn’t be creepy to intentionally live near to yet somehow is? Or maybe you’re a vegan and hate meat eaters and never want to be around another one again. Do you want to be involved with some expensive co-housing group that might be a scam? Do you like busting your ass doing farm work? This one in particular will make you popular with a lot of groups. Do you have so much debt your life is effectively ruined, or you’re on the run from Johnny Law and want to fall off the grid? Do you have no direction in your life and want others to help find it for you? Or, maybe you’re like me and want to see what your best options are before we exit peak oil and enter a long collapse scenario. Well, if any of these situations describe you, then you’ll find what you’re looking for at the Fellowship for Intentional Community.

Or maybe you’ve got a cult ready to go and need to find some followers. Now, I should warn you. A lot of these entries, I’d say even the majority, are NOT cults. But you bet your ass some of them are. You’ll have to read between the lines. It takes time to look through the directory and figure out who is actually going to start summoning the mothership or not.

But hey, if you’re not willing to invest time into this, cult life is not for you. Okay, let’s wrap this up. Time for awards. First award: Bifocal vision– I never got used to that damned blurring. Second award: Why hasn’t someone done this yet? This is a game concept waiting to happen. There are multiple prison simulator games out there but we have nothing for cults. Somebody might want to get on that. Okay, that’s all I have for this game. Stay tuned for the next episode which will be one of the worst named games I’ve played.

The Co-insurance Clause

Fitgirl

Lives so Sweet Download PC game

December 31, 2019 admin Leave a comment

Lives so Sweet Fitgirl Repack Free Download PC Game

Lives so Sweet Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Lives so Sweet Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Lives so Sweet Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Lives so Sweet igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Lives so Sweet for Android and iOS?

Yes you can download Lives so Sweet on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Lives so Sweet

Now to download and Install Lives so Sweet for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

First you have to download Lives so Sweet on your PC.You can find the download button at the top of the post.
Now the download page will open.There you have to login .Once you login the download process will starts automatically.
If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Lives so Sweet Download

Screenshots (Tap To Enlarge)

Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Lives so Sweet Review ,Walkthrough and Gameplay

Hey guys welcome back to another Lives so Sweet game download an actual game review.Lives so Sweet free download PC game reviews where I avoid being influenced by developers and publishers and scored the game using the entire one to ten scale where five is average and nines are rare today I’ll be taking a look at love sweet garnished full disclosure. I did receive a review copy of the game from the games publisher or Lives so Sweet download company in order to make this review now that that’s out of the way let’s begin back in Lives so Sweet fitgirl repack an anime aired that went by the name is the order of rabbit or goat chiusa.

This anime featured a cute cast a nice cafe setting and a rabbit mascot Lives so Sweet torrent download garnish is basically the visual novel version of this but with the comfy romantic twist now before I get further into this review do note that I’m reviewing the all-ages version of the game available on Steam an eighteen plus patch is available for this version but it is not a free patch now let’s move on to the pros the first one being the comfy common route love’s sweet garnish is an incredibly comfy visual novel this includes the characters storyline music.Of course the setting the majority of the game takes place in a small cafe run by the protagonist the story begins with the opening of this cafe and then follows the daily activities of its staff whether it be training new waitresses or figuring out what new item to add to the menu the setting makes the game and more specifically the common route a very relaxing read Lives so Sweet igg games.In fact I would say that the common route carried the experience due to just how relaxing it was to read through the next Pro is the language switching feature I quite like this language switching trend.

I’ve been seeing with recent visual novel releases not only does love sweet garnish allows swapping between English and Japanese at any time but it also allows swapping to and from Chinese it is definitely a wise decision to include such a translation especially when considering the size of that market.But I really respect the publisher for including all of these translations in one package there are many visual novels that are released twice on Steam one for Chinese and one for English having both of them in one package just makes it that much easier for the player and is also an added bonus for those learning any of the languages included especially so because the language used in this game is rather low level and the next pro is the auto mode specifications.This is the first visual novel I have played that offers advanced auto mode customization by advanced I mean allowing the player to go so far as to adjust the timing of the game’s auto mode in seconds and per letter as a result I was able to time the game’s auto mode with my reading speed something that I usually struggle with doing so on.Other visual novels this is just one of the game’s many settings but it is so useful to me that I felt it deserved its own shout-out it is a whole lot better than just a regular auto mode slider and as a feature.

I would like to see included in more visual novels now let’s move on to the cons the first one being the unnecessary character drama unfortunately the beauty that is the common route does not last through the two character routes the game becomes a romantic drama during these routes which Lives so Sweet download PC game is not a problem in itself but the way the game goes about it is just annoying the drama contained within these two routes just felt unnecessary and completely out of place with the rest of the game I would even describe it as drama for the sake of drama both routes introduced this drama and wrapped it up so quickly that it made me wonder why it was even included in the first place the game would have been much better off had it followed the route of a pure love story that.

It could have at least a lot of time for the drama to develop naturally rather than forcing it on the player all of a sudden and the next con is the word wrapping issues love’s sweet garnish has some rather odd word wrapping issues there are a few lines where words are cut off in the middle and continued in the next line rather than just being moved entirely to that next line however the problem is much more apparent with punctuation marks if such a mark does not fit on a line it will be moved to the next line by itself this includes question marks exclamation marks quotations etc it was quite common to see whole lines occupied by just a single punctuation mark it is a small issue but occurred often enough for it to become mildly annoying for a game that does not laugh font Lives so Sweet download.

Size customization one would normally expect the font included to not have such issues as such I will be giving love sweet garnish a score of 6 out of 10 love sweet garnish is definitely a more relaxing read than anything the common route is excellent and the language switching feature is a plus to the character routes contain some unnecessary drama though but not enough to completely sour the experience I do recommend the game but do note that if you intend to play the 18 plus version you will have to either buy the full 18 plus version outside of Steam or pay extra for an 18 plus patch.

The Co-insurance Clause

Fitgirl

Truck Driver Fitgirl Repack

December 30, 2019 admin Leave a comment

Truck Driver Fitgirl Repack Free Download PC Game

Truck Driver Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Truck Driver Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Truck Driver Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Truck Driver igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Truck Driver for Android and iOS?

Yes you can download Truck Driver on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Truck Driver

Now to download and Install Truck Drivern for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

First you have to download Truck Driver on your PC.You can find the download button at the top of the post.
Now the download page will open.There you have to login .Once you login the download process will starts automatically.
If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Truck Driver Download

Screenshots (Tap To Enlarge)

Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Truck Driver Review ,Walkthrough and Gameplay

Hello one and all this is hybridsteel thank you very much for joining me in this video today we’re gonna be talking about this this is truck driver it’s not simulator or simulation or anything it’s just truck driver so without further ado let’s get it on shall we it seems to me that we’re getting a lot more of these simulation style games on consoles and I’ve got to be honest this sort of is it’s actually quite a nice pace of you know change instead of just playing the same old first-person shooter or the same old Truck Driver igg games download or the same old everything.

We’re now playing more simulation gaming it does seem to be it’s more trending thing to be a turn to happen on a console and it’s quite nice the only thing that makes this less Authentic is if you don’t own a steering wheel I personally don’t own a steering wheel because I just don’t have the room nor the money but when it comes to like driving.This I feel if you had a steering wheel you’d get a bit more of a feel for the road and so on so forth has I only used a controller and what you’re seeing on the screen at the moment is basically me screwing up on my first attempt to play this game you have to get used to the the distances of everything so obviously you see in everyday life truck drivers take a wider circle do round corners do that don’t do what I just did don’t sort of just slam into the corners and hope Truck Driver fitgirl repack.

You’ll be okay you have to try and treat this as an actual real experience instead of just like putting your foot down on the floor and just hoping that you don’t hit anything the plus side to that is it basically makes you more aware of your surroundings now this is the overhead view Truck Driver torrent.There’s a lot of camera angles in this game including the cap where you can literally sit there and see the steering wheel spinning in front of you now if you’re playing it like this which is how I play Grand Theft Auto in other games this feels more comfortable for me but that’s just because of the type of gamer I am but you do get the two mirrors on either side of the screen that’s your way of seeing behind you as we all know if you drive a car or anything to be fair now you can be a good driver in this stop at traffic lights give way to traffic Truck Driver ocean of games.

Make sure you use your turn signals and just genuinely be a good driver or you could be the Grand Theft Auto version of this drive as fast as you can hurtling down the motorways aiming for cars and everything else you will get like punishments and fines and somewhat above and your truck will genuinely take a lot of damage now the post simulation side of this comes down to the sleeping it comes down to the fuel regulation comes down to the body, where at the tire where everything has a a simulation about it they haven’t really left a lot out of it and the only thing that does make this game a little bit sore well bad in some cases is the graphics because the graphics are not the main focus of this game your truck and what you do with it is the main focus they’re allowed to be a little bit Skippy when it comes to the scenery and what’s going on around you everything feels very linear everything feels like there’s not enough variety but what they have done is they’ve opened up a landscape but actually looks genuinely quite beautiful as you can see now this is a really nice touch instead of just trying to get over the top when it comes to the graphics.They’ve generally done quite well when it comes to just the overall look doesn’t have to be fantastic but it generally does look alright from a distance obviously when you get up too close to things you can see the well you can see the lack when it comes to the actual effort Truck Driver igg games.

When it comes to graphics bar overall as a saw hole picturesque thing it’s actually quite nice game playing this is very smooth and when I say very smooth it’s almost realistic to a point of it being a computer game yes and obviously, if you’re gonna be using a steering wheel you generally do have a lot more of an authentic experience when playing this game using a control pad actually is a little bit lazy and to be fair I found myself where we go well as you sort of wish I had a steering wheel because it would generally feel a little bit more driving so what is the whole gameplay like For truck driver well if you’ve ever played a simulation game you’re literally just living the life of a simulation game train driver guess what you drive trains you do bits and pieces you pick up passengers you pick up Cola that’s literally what this game is like you are a truck driver your entire existence is to drive the roads sleep on the side of the roads fill up and take your car go to wherever it’s basically deemed as you go through the game.

You’re gonna be finding different people to work for different missions are gonna have different difficulties and generally just different variety of what you’re gonna be doing I’ve never really played a truck driver simulator game before and I’ve never really done anything like this on the Truck Driver PC download even though I can I just haven’t and reason why is because it’s all sort of new to me you know I’ve always seen these driving games in this area it’s more of a simulation oh it’s more of a summation I was more of an arcade racer type person.

But I’ve saw over the couple years I’ve been more and more intrigued about why people find these games more addictive and I think it is the realism if you’re if you’ve got the steering wheel you’re chucking cab mode and you literally learn to drive a truck I mean obviously it’s a computer game don’t hold this to reality what I’m saying is that you generally have a bit more of a respect of things that go around you when you play these trailers simulation games like car mechanic simulator I have more of a respect for people who are mechanics when it comes to truck driving.

It’s a boring mundane job but people will enjoy doing this because they enjoy being on the road and that is what truck driving is all about so the map itself isn’t that big so I’ve taken a more GTA Fitgirl approach when it comes to the actual time of the game so I think you’re sort of like for every 10 minutes it’s an hour that’s gone by and so on so forth and you have to sort of take this into consideration the little blue bar in the top right hand corner is basically your bedtime now obviously truck drivers have a certain amount of bed time you do as well that will restore your stamina to the top level Truck Driver skidrow.

You can have to refill your truck there are petrol stations dotted all around the map and you can pick up fuel from there and that’s basically it your entire existence on this game is to be a truck driver and to deliver packages and to basically work for other people and basically live on the road be happy and I think that’s what I like about it it’s the simplicity of simulation games it’s a simplicity of a game like this and I think that is what people find more addictive not just because it simulates something of the real world but I think it’s just something that’s addictive you don’t do this as a job you’d like to find out what it’s like for someone else or you just enjoy this style of game so when it comes to being a truck driver and playing simulation games like this I still don’t know hundred percent understand the addictiveness behind .

This sort of game but I’m starting to learn from for me personally it’s being able to see what people do in their general day-to-day life I mean it’s almost like doing like a factory simulator where you have to simulate your life working in the factory and I’ve done as a boring as Truck Driver fitgirl repack job but for someone outside of the box that might have been something that somebody might have been interesting how does this work how does that I think it’s that sort of case of maybe, this game is answering a couple of questions maybe for some obscure reason we just enjoy doing boring mundane tasks that other people do for their jobs we just want to experience it for ourselves and that’s what this game brings this game is literally you and a truck going down the road open highways and picking up cargo and that’s it and I’ve got to be honest out of everything I’ve ever played this is one of those weird games that you’re always gonna be slightly intrigued about or you know why is he playing that and then you sit there for hours watching games like this not really understanding why but you have this sort of question we do I enjoy this as well.

The Co-insurance Clause

Fitgirl

Angeldust Fitgirl Repack Free Download PC Game

December 22, 2019 admin Leave a comment

Angeldust Fitgirl Repack Free Download PC Game

Angeldust Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Angeldust Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Angeldust Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Angeldust igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Angeldust for Android and iOS?

Yes you can download Angeldust on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Angeldust

Now to download and Install Angeldust for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

First you have to download Angeldust on your PC.You can find the download button at the top of the post.
Now the download page will open.There you have to login .Once you login the download process will starts automatically.
If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Angeldust Download

Screenshots (Tap To Enlarge)

Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Angeldust Review ,Walkthrough and Gameplay

I’m gonna give you my live first impression of Angeldust download PC game, now I’m actually played this game for 64 minutes already because I tried to do a true like you know first impression first impression but the game was a little bit vague and awkward and that’s definitely gonna knock down a star or like a rating for me and I’ve already seen that knock it down for a lot of other people it’s sitting on mixed reviews right now but I’m coming at you right now and saying that Angeldust igg games give it of recommend.Okay I’m gonna upload this my personal channel I’m having a lot of fun with this game I think this is I think this is a pretty cool game I don’t even stream it like I genuinely think this is a charming game it’s got a lot going for it it’s just like you don’t really like.

When you start the game it’s kind of hard to tell what to do where to go and there’s just a lot of really vague things that need to be elucidated to the player base of what you’ve let your players know what this kind of game Angeldust torrent, let them give them at least a push in a direction I mean it’s a it’s a completely open world that has crafting and creation and it’s charming with its art style and it has I think this is a really awesome sort of foundation to build upon like in the future we could have some really cool updates but right. Now there’s just there’s no explanation on what to do really so you get okay first of all you can build a loan and apparently like you can download other people’s things or at least look at it online I don’t even know they’re on the website you could see other people’s designs and stuff Angeldust fitgirl repack.

So you can build houses and that’s kind of like what you’re gonna do in angel dust I’m gonna build houses they can actually play alone and do that or young you play multiplayer and you have a couple of different classes to choose from okay you’ve got the night he’s melee he’s a little bit tank year you got the mage she has a lobbed ability and she hits people with her little lightning stick you got this guy and he builds things but everybody builds things and then you have this chick who I think she like she can kind of glide a little bit and she has a crossbow and stuff and yeah so the game he’s gonna be really weird-looking I think this is a really cool art style to set this coming for somebody who loves don’t starve her and minecraft fitgirl repack and all these other games that are you know in the same genre and they all have really weird art styles angel this is one of the most unique if not the most unique compared to don’t starve so mixes and blends 3d graphics and voxel actual mechanics with the 2d like art here so it might be awkward and harsh to you.

But I think it’s charming so I’m gonna play her chick this guy this person I’m not assuming no gender anyways and then we spawn whenever you spawn into the game you spawn next to your house plot and here’s your house plot now you can actually increase the height of the plot but not the width okay and okay so I had a friend over here that we were playing together with and it looks like she went ahead and made her house I think this looks awesome this looks really cool now as you can see there’s different kinds of blocks that you can utilize and instead of like Minecraft where you go out and harvest these kind of materials like cut down logs and stuff well cut down trees to make logs you don’t do that in this game I want to make that very clear however I didn’t realize that until an hour into the Angeldust gameplay.

You don’t just go out and cut down trees um what you do is as you go out into the world explore earn points you’re in some coinage you know what I’m saying and then you use that to buy stuff in the shop and when you buy like the steel shelves when you buy that you’re buying like an infinite amount of those blocks so that’s kind of good that makes the game really casual really simple you can do whatever you want and get whatever you want the problem with that is that there is no in-game economy so there’s nothing you like those MMO servers on Angeldust pc download whenever you have to buy a cobble stone and then you know ordered like you mind cobblestone and then you sell it to somebody because they want to build a castle or something and you get a bunch of uh you know like Angeldust skidrow you need to let some lamps or some redstone so you can make some mechanics and devices no no in this game you just kind of go out and kill shit and then you go and you build up your house.

So I don’t know I’m trying to make a steampunk tower so I guess we’re gonna go wander out and you know try to kill some thing so we get some coinage and then purchase the steampunk items now one thing I want to mention is that the town back there is not a square it is what.

I think it’s infinite it goes left and right so it’s just infinite it goes left and right and then so you what you want to do is kind of just go just go straight just kind of go straight or at a diagonal and that and just just keep going and then you’re gonna discover stuff so that’s pretty cool that’s actually I mean that’s a fine design also if you guys are wondering .

The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging

The ONLY official site for FitGirl Repacks. Every single FG repack installer has a link inside, which leads here. Do not fall for fake and scam sites, which are using my name.