PC gaming has always been the ultimate choice for gamers but let’s face it, PC gaming can be a huge money sink.
After spending thousands of dollars on the latest gaming PC, video card, the fanciest processors, GBs of RAM, and custom-built cases, there is a high chance you won’t have much left to fund the game itself.
Well, thankfully, this problem has been solved by a plethora of free steam games that lets you enjoy countless hours of fun without spending a single cent.
Since its release, Valve’s distribution, steam, has enjoyed an enormous success thanks to titles like Dota 2, Fortnite, FortHalf-Life, Global Offensive, and ever so famous Counter-Strike. Steam not only gave boast to the largest marketplace of commercial titles, fortunately for broke gamers, it is also packed with free gems to keep you entertained until payday.
Steam’s library is massive. Sure, some of those are pay to win, and even more, are a colossal waste of time, but you can always find a handful of free games that are worthy of a download.
Here we present you the list of best free steam games.
The Best Free Games on Steam
Since its arrival back in 2013, Warframe has seen a significant hype in popularity recently. Developed and published by Digital Extremes, Warframe is an action role-playing (RPG) third-person action online game. Due to substantial reviews and new content since its debut, Warframe has become a quite exciting prospect in the world of free-to-play steam games.
Journeying across Warframe’s massive universe is as satisfying as it is enduring. Throughout the game, you slash, shoot, and free-run through the different missions with the freedom to take on various objectives. It is another space-based game but with a bit of twist. The game makes it sure that the time spent in its world is always well rewarded, and with the efforts of the developers to make it better consistently, Warframe is better than ever.
Path of Exile
Path of Exile is a free-to-play action Role Playing Game (RPG). At first glance, POE looks similar to the Diablo series or Diablo 2 in particular. But it definitely is not a retread; It uses initial familiarity to instill comfort before taking you to its complex mechanics, grimy dungeons, and wandering fantasy.
Create and customize loads and loads of unique skill combinations from tradable gems and our gigantic passive skill tree. Combine skill gems to customize a unique combination of power and defense.
From the intense combat scenes to the abundance of randomly-generated loot, to an immense amount of free content to totally unrestricted character progression, Path of Exile has is one of the best free-to-play games on Steam.
Team Fortress 2
In the relatively new world of free-to-play first-person shooters, Valve’s Team Fortress 2 (TF2) is relatively old, but it has stood still in the test of time, now older than a decade still many call it the best game they have ever played on steam.
The core action pits two teams of players against each other in a battle to capture point, move a cart, or steal a briefcase. First released in 2007 is even older than Valve’s other, more-realistic multiplayer FPS, Counter-Strike: Global Offensive (CS: GO). But Team Fortress 2 still gets content updates and keeps the interest alive.
The community of TF2’s is a competitive one, not just because of their deep understanding of or passion for the game but for their creative efforts for designing new weapons, items, and maps. Although your options for the best free-to-play games on steam have increased considerably, there aren’t many that beat Team Fortress 2.
Paladins: Champions of the Realm
Next up in our best free-to-play steam games is Paladins: Champions of the Realm, it is an objective-based team first-person shooter game developed by Evil Mojo Games.
Paladins is a five-on-five hero shooter that empowers experimentation and true customization. Based in a vivid fantasy world, that features a diverse set of champions ranging from sharpshooting humans to mystical elves and jetpack-clad dragons. This game lets you customize your core set of abilities according to your style of playing, each champion is unique, and you can alter their capabilities from time to time.
Whether it’s the creatively imagined characters, the in-depth card and item system, or the fact that it’s free-to-play, make it a deserving contender for our list.
War Thunder is a game of grace. It is the most comprehensive free-to-play Military game on steam.
Even the widely known “World of Warplanes” doesn’t come close to it in terms of intensity and flight breathtaking experience. Flying over the peaks and valleys of a cloud formation, it makes you feel like you’re up there at the controls of a plane.
War thunder opens up the history book and lets you experience the intensity and the drama of World War II, game type ranges from air domination to ground Attack, and each has multiple objectives for different roles to complete, so you aren’t stuck doing the same thing repeatedly.
With strong visuals and convincing audio backing it up, you will find yourself loving the game in no time.
Fractured Space is free to play team-based sci-fi capital ship warfare game. Edge Case Games has created something pretty unique with Fractured Space while using its trademark game design. The attention to detail and eye-catching graphics make the overall experience spectacular.
Fractured space offers the kind of year-round competitive play that participants in “Eve’s annual Alliance Tournament” can only wish for.
Space is divided into five sectors: alpha, beta, a central sector, gamma, and one base sector. The aim is to get hold of the enemy’s home base, but to do that; your team has to open up jump routes by capturing forward bases in alpha or beta.
With a range of tempting ships to fly and tinker with and only a fraction of the effort that a game such as Eve currently demands, this game had to be included in our list.
World of Warships
If you like World of Tanks Blitz or the classic Tank Trouble, then you will want to give World of Warships a try.
World of Warships is free-to-play naval combat based on World War II vehicle shooters.
WOW lets you Command a massive naval fleet that features some of history’s most iconic warships. World of Warships is rated high on its beautiful aesthetics. It lets keeps up the excitement that comes from commanding powerful warships during intense battles on the high seas.
The joy that comes from destroying the enemy’s warships and watching it sink under the sea is unmatchable, and the large pool of ships changes the approach of the player in impressive ways.
The gameplay may seem slow for newcomers, but in the end, you will likely sink hours into this game without even realizing it. Nonetheless, the world of warships is an enticing addition to the world of free-to-play steam games.
ArcheAge is set in the medieval fantasy world of Erenor, a massively multiplayer online role-playing game (MMORPG) developed by Korean studio, XL Games. Walk, sail, or fly around in a free world that empowers players the freedom to craft, farm, and even build their mansion or trading ship.
The setting of the game is unique in terms of map, the zoneless area without much boundaries of segregation. ArcheAge is an entirely open-world game in which the players can get rewards even without going into combat.
Live the life of a humble farmer or sail around the open world of Erenor and live out your unique adventure.
If you like ArcheAge, check out our review of Citadel: Forged with Fire.
Neverwinter is a free-to-play MMO RPG developed by Cryptic Studios. The game is designed to incorporate multiple players and is based on the popular fictional world of Dungeons & Dragons.
Neverwinter is based in a city with Forgotten Realms; you can take on roles from 8 classes like Barbarian, cleric, rogue, wizard a fighter from the paladin, etc.
Neverwinter does one thing particularly well, Combat. The combat is some of the best, and since games like this are all about combat, it shines in this area.
Other than the combat system, differences in class play styles and overall progression system for equipment, companions, and mounts are well-designed. With the arrival of new mods now and then, Neverwinter keeps the fun alive.
Star Trek Online
Based on the world that is 30 years after the Star tr: Nemesis, Star trek online is a hugely popular multiplayer online role-playing game developed by Cryptic Studios. If you are a fan of Star Trek Deep Space Nine, then this game is all you needed. It lets you take the captain’s chair as they command their starship and crew.
Star Trek universe released for the first time on a very massive scale. Despite being a decade old and outdated in terms of gameplay but what star trek online has over other MMOs such as Lord of the rings is that it got such a vast sea of content to offer. From fighter in space to combat at the ground, this game has everything to keep it alive for the next decade as well.
Crossout is set in a post-apocalyptic world following the double whammy of an alien invasion, and a genetic testing project went wrong.
The vehicular action shooter combines fast gameplay with an excellent editor and a solid crafting system. In intense PvP online battles, craft your customized battle machines from a handful of interchangeable parts, ride them directly into combat and destroy your enemies.
Crossout majorly focuses on a crafting system. The game offers multiple choices of random parts to build something unique and capable of destroying anything other players can build. In both PvP and PvE mode, the game has so much to offer.
The Bottom Line
Nothing beats downloading a free PC game and jumping into a multiplayer battle. While there are many free games worth playing, some are in early access and limit features, or they encourage the purchase of ingame currency or employ pay to win tactics.
Playing games doesn’t have to cost you an arm and a leg, there are plenty of wars to earn free Steam credit or pick up free GameStop gift cards. Our top pick for gaining free Steam is the Mistplay app, and you can check out our full Mistplay review and make sure you visit our post on how to get paid to play video games.
How to Spend Your Coronavirus Relief Check: 4 Smart Options
If you make less than $99,000 (or $198,000 if you’re married), coronavirus relief money is coming your way. President Trump signed the CARES Act into law on March 27, which includes stimulus checks for millions of Americans.
The maximum amount you can receive is $1,200 per adult (or $2,400 for married couples) plus $500 per child under age 17. Individuals making over $75,000 or couples making over $150,000 will see their check phased out by 5 cents for every dollar they earn over those amounts.
It could be several weeks — possibly over a month — before you receive your stimulus money, but now’s a good time to start planning how you’ll use that cash so you make the best of it.
Here’s all of our coverage of the coronavirus outbreak, which we will be updating every day.
Of course, everyone’s financial situation is different, but here are four key things to consider when deciding how to spend your coronavirus relief check.
Cover Your Needs First
If there were ever a time to prioritize needs over wants, this is it. This is especially important if you’ve lost income due to layoffs, furloughs, reduced hours or slow business. Your stimulus money should go toward making sure you have a roof over your head and food on the table.
Create a bare-bones budget and total up the cost of your absolute essential expenses. Then look at how much money you have in your checking and savings accounts — in addition to your pending stimulus check — to get a good picture of how long your money will stretch.
However, don’t wait until you’re in dire financial straits to seek assistance with your basic needs.
“Reach out now if you can foresee problems [paying bills],” said Chris Preston, vice president of corporate relations at United Way Worldwide.
Increase Your Savings
Let’s say you’re still working and bringing in enough money to cover your essential needs. Look to using your stimulus check to bolster your emergency fund.
No one can predict how long this pandemic will last. Less than a month of shelter-at-home advisories has forced industries to change how they do business, and many have all but shut down. The job you have today may not be guaranteed if this crisis continues.
While the typical advice is to have at least three months worth of living expenses in an emergency fund, you might want to bump that to at least six months. Your emergency fund should help you feel financially secure.
Separate your emergency savings from your spending money. A high-yield savings account will earn interest while your money’s sitting in the bank.
Think About Your Future
If your needs are being covered and you have a robust emergency fund, consider spending the money you’ll get from the stimulus bill to set yourself up for a better financial future.
Taking a certification course could position you for a promotion or new job. Alternatively, you could use the money as seed capital to pursue an entrepreneurial path.
Making a dent in your debt or paying a large bill upfront rather than over time could help you save money in the long run.
You also might want to think about using your stimulus money to cover upfront expenses that’ll help you save money over time. That could mean buying gardening supplies so you can grow your own produce and cut costs on groceries. Or maybe you want to buy reusable products like cloth diapers or a bidet attachment so you can stop buying throw-away goods.
If you’re in a financially stable situation with a healthy emergency fund, another good use of your stimulus money could be to help others.
Use the extra cash to help a family member or friend in need or donate to a reputable charity. Or you could spend your money at local businesses and restaurants — whether that’s through online orders or purchasing gift cards for future in-person visits.
You don’t have to have a financial surplus, however, to find ways to help others. Donating blood, going grocery shopping for an elderly neighbor or troubleshooting teleworking tech for a friend are all ways you can be of service without spending money.
Feeling overwhelmed? Create a budget that works for you with our budgeting bootcamp!
Nicole Dow is a senior writer at The Penny Hoarder.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
Paycheck Protection Program (PPP): Forgivable SBA Loans For 2.5x Monthly Payroll
If you are a small business impacted by COVID-19, including self-employed and independent contractors, you have hopefully been following the developments of the Paycheck Protection Program (PPP) and the Economic Injury Disaster Loan Emergency Advance (EIDL) being rolled out by the Small Business Administration (SBA) and U.S. Treasury. Details are still being ironed out, but PPP could cover up to 2.5 months of your payroll costs. Here are some general highlights from the Treasury PPP overview PDF along with some details from the Bank of America PPP application:
Loan Amount = 2.5 times Average Monthly Payroll. “The Paycheck Protection Program provides small businesses with funds to pay up to 8 weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities.” In the Bank of America PPP application, two possible options given were to use 2019 payroll or 2019 1099-MISC totals, and then multiple the average monthly payroll by 2.5. So if you averaged $6,000 per month, you can ask for a loan for $15,000. Income over $100,000 annually per employee isn’t covered. Here are some details:
For purposes of calculating “Average Monthly Payroll”, most Applicants will use the average monthly payroll for 2019, excluding costs over $100,000 on an annualized basis for each employee. For seasonal businesses, the Applicant may elect to instead use average monthly payroll for the time period between February 15, 2019 and June 30, 2019, excluding costs over $100,000 on an annualized basis for each employee. For new businesses, average monthly payroll may be calculated using the time period from January 1, 2020 to February 29, 2020, excluding costs over $100,000 on an annualized basis for each employee.
Fully Forgiven. “Funds are provided in the form of loans that will be fully forgiven when used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.”
In my Bank of America, the details are given that it is a 2-year loan at fixed 1% interest. As noted, payments are deferred for the first 6 months. If you use the money in an eligible manner (see below), it is fully forgiven and not treated as taxable income.
Must Keep Employees on the Payroll—or Rehire Quickly. “Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.” In other words, this is supposed to encourage companies to keep employees and is separate from unemployment insurance.
All Small Businesses Eligible. “Small businesses with 500 or fewer employees—including nonprofits, veterans organizations, tribal concerns, self-employed individuals, sole proprietorships, and independent contractors— are eligible. Businesses with more than 500 employees are eligible in certain industries.”
Businesses are limited to one PPP loan. Each loan will be registered under a Taxpayer Identification Number at the Small Business Administration (SBA) to prevent multiple loans to the same entity. Owners with more than one business may apply for a separate loan for each entity.
Application Dates and Details. “Starting April 3, 2020, small businesses and sole proprietorships can apply. Starting April 10, 2020, independent contractors and self-employed individuals can apply. We encourage you to apply as quickly as you can because there is a funding cap. […] You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating.”
While technically you can apply at any SBA 7(a) lender, as of 4/5 many of them don’t even have any formal application process at all! Bank of America started accepting applications early, but first required both an existing BofA business checking relationship AND a BofA loan relationship as of 2/15/20. They later relaxed the rules to require at least an existing BofA business checking relationship as of 2/15/20. Most banks are limiting the applications to existing clients:
- SBA Eligible Lender locator
- Bank of America application (must have existing relationship)
- Chase Bank application (must have existing relationship)
- Wells Fargo Bank application (must have existing relationship)
- PNC Bank application (must have existing relationship)
- Capital One info page
- Citi info page
In addition, the US Treasury now has a paper application that you can submit to any eligible lender. I have no idea what will be the best. Small local bank? Mega bank? I would assume that if you have an existing relationship with a bank, they would be able to just deposit the money into your primary business account. But I’ve learned to stop making assumptions in 2020!
The funds are supposed to go out first come, first served, although they may expand the amount available. I’m sure that is not helping the chaos. No documentation was required upfront for BofA, but I would get your payroll documentation ready to submit as soon as they ask for it.
“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone. This email may contain links through which we are compensated when you click on or are approved for offers.”
Copyright © 2019 MyMoneyBlog.com. All Rights Reserved. Do not re-syndicate without permission.
HDFC All Miles Credit Card Review
|HDFC All Miles Credit Card Rating|
|Reward Points ★★★
Travel Benefits ★★
Annual Fee ★★
Offers & Discounts ★★
Additional Benefits ★★★
|Paisabazaar’s Rating ★★★|
HDFC All Miles Credit Card lets you earn reward points on every purchase you make. The accumulated points can then be converted to air miles, which can then be used to book flight tickets in the future. This card accelerates reward earning rate thereby facilitating redemption of rewards for air miles. If you are a frequent traveller, this card can be the right choice for you. Hence to make the decision a lot easier for you, we have given a detailed review of the card that will help to decide if this card suits your needs or not.
Key Highlights of HDFC All Miles Credit Card
Earn Reward Points on every transaction
Save as you travel, shop, dine and more with the HDFC All Miles Credit Card. Here’s what you get with this card-
●3 reward points for every Rs.150 you spend
●2X reward points on hotel bookings, mobile recharge, shopping etc
●Double reward points on transactions made via All Miles website
All the eligible retail transactions let you earn reward points on every purchase made. In this way, you can surely earn rewards at a faster pace. All the accumulated points can then be redeemed and further converted to air miles for future bookings. It can be said that the card is indeed offering decent reward points when compared to other similar cards.
Read more about HDFC Bank Credit Card Reward Points
With this card you can get 1% fuel surcharge waived off on all fuel transactions. For this-
- Minimum transaction of Rs.400 is required
- You can get a maximum cashback of Rs.500 per statement cycle
A majority of cards nowadays offer benefits of fuel surcharge waiver. However if you are exclusively looking for fuel benefits, you should look for other cards that prioritise fuel discounts.
Get your Annual Fee waived off
Just by spending Rs.15,000 within the first 90 days of your card opening, you can get your 1st year’s annual fee waived off. You have the option to renew your membership for free just by spending Rs.1 lakh in a year. This is one of the great benefits that this card provides you with.
Enjoy 50 days of interest-free credit
With this card you can enjoy 50 days of interest-free credit period. However interest rate of 3.49% will be charged on any outstanding amount carried beyond the bill due date.
Avail zero lost card liability facility
If your card is missing or has been stolen, you need to immediately contact your bank’s customer care for card blocking. Once you report the issue, you will not be held responsible for any unauthorized or fraudulent transactions made using your card.
Is Rs.1000 Annual Fee Justified?
Well it is true to say that if you compare the benefits that the card offers to other similar cards having the same annual fee, this card surely lacks behind. The reward points offered are good but fails to justify the Rs.1000 annual fee. However, for your reference we have listed below the other fees and charges related to this card.
|Primary Features||Fees / Charges|
|Interest Rate||3.49% per month (41.88% p.a.)|
|Rewards redemption fee||Rs.99 per request|
|Cash advance fee||Rs.2.5% of the amount withdrawn subject to a minimum of Rs.500|
|Late Payment Charges||Less than Rs.100: Nil
Rs.100 to Rs.500: 100
Rs.501 to Rs.5,000: Rs.500
Rs.5,001 to Rs.10,000: Rs.600
Rs.10,001 to Rs.25,000: Rs.800
Greater than Rs.25,000: Rs.950
|Minimum repayment amount||5% of the outstanding balance or Rs.200, whichever is higher|
|Reissue of Credit Card||Rs.100|
Should you go for this card?
The first question that will come to your mind will be whether you should or should not opt for this card. Hence for your convenience, we have laid down certain points that might help you decide whether this card is the best choice for you. The card is best for you if-
- You frequently book air tickets online
- You are more inclined towards earning reward points than availing cashback
- You are not looking for any category specific discount
- You are not interested in putting major expenses on your card
- You are not looking for any welcome bonuses
If the above listed points match your requirements, undoubtedly this card is best for you. If the card fails to match your needs, you can look for other similar rewards credit cards with more benefits and comparatively lower annual fee like American Express Membership Rewards, Citi Rewards Domestic and Standard Chartered Landmark Rewards
Limitations of HDFC All Miles Credit Card
Although the card provides certain benefits to you in the form of reward points and air miles, there are certain drawbacks attached to it. Some of the limitations of this card are-
- The reward points are not that great as compared to other HDFC Credit Cards.
- The annual fee is not justified in terms of what all benefits the card provides.
- There are no discounts on entertainment, shopping or movies.
- If you are a shopaholic, this card is definitely not the one for you.
- The card does not offer any milestone reward.
- No lounge access is provided by the card.
- It does not provide any exclusive discount on air ticket bookings.
Overall, this card is surely not amongst the best credit cards in the market. Although the card offers decent reward points, it still fails to justify the Rs.1000 annual fee. The card does fall behind to provide any category specific discount to you, however the air miles facility is an added advantage. You can surely go for this card if you are a frequent flyer however there are many cards that comparatively provide more benefits that too at the same annual fee.
The post HDFC All Miles Credit Card Review appeared first on Compare & Apply Loans & Credit Cards in India- Paisabazaar.com.
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