i know its a dumb question to ask, but i am new here, so just wondering how or when do i get to chat in the main lobby, when will i be able to use the features here like loan shark etc... and can anyone help me out with the easiest way to get points? i think im doing it all wrong cuz now my inbox (email) is blowing up and so is my phone!!! lmao.. any help would be greatly appreciated.. thank you and happy holidays.