These are packages that can be taken at the end of character creation in Cthulhu Eternal. They represent the effects of different life events on the character. The GM may allow you to take one or two.
Skill point penalties are applied after all other choices are applied (including Bonus Skill points).
Source
Based on Fhtang RPG (OGL), translated and adapted.
Wealth
Your character is very wealthy and money is a minor concern in their everyday life because they have enough of it. Examples: Successful business owner, rich heiress.
Benefit: All of your character’s expenses are treated as one expense category lower than usual.
Disadvantage: Delete a Bond.
Poverty/debt
You are poor as a church mouse, and maybe you also have a lot of debt. But as we all know, money alone doesn’t make you happy. At least you have solid bonds!
Benefit: Your character gains an additional bond.
Disadvantage: All of your character’s expenses are treated as one expense category higher than usual.
Status
Your character is famous or recognized within certain circles. People recognize them when they meet them and have a high opinion of them. This recognition has great personal value. Perhaps people are simply subordinate to the character because they has a higher rank or status. Examples: A musician and her fans. A professor and the scientific community. A noblewoman and her subjects. A horror writer and her fans.
Benefit: +20% to social checks against admirers and people of lower status.
Disadvantage: -20% on social checks to remain anonymous or when using a false identity. The character always expects to meet a fan or critic and be recognized.
Experiences of violence
Your character has experienced extreme violence or the consequences thereof over an extended period of time. Be it that they did it himself, became a victim or has something to do with it professionally. Examples: A soldier, a street thug.
Advantage: Your character is hardened against Violence SAN checks.
Disadvantage: Your character loses 1D6 CHA (affecting max Bond scores).
Experience of helplessness
Your character has been in captivity or isolation for an extended period of time. Examples: An innocently convicted prisoner, a sailor who was lost at sea.
Advantage: Your character is hardened against Helplessness SAN checks.
Disadvantage: Your character loses 1D6 POW (affecting starting SAN).
Understanding
Your character knows the unnatural is real because they have already encountered it in some shape or form.
Benefit: Increase your character’s Unnatural Knowledge by 10%.
Disadvantage: Your character loses 5 SAN with all the associated consequences.
Obsessive / workaholic
You have spent too much time going down rabbit holes, either through work or personal obsessions, to the point that you’ve lost touch with your family or close friends.
Benefit: Your character receives 50 skill points.
Disadvantage: Delete a Bond.
Crisis experience
Your character has just experienced too many bad things. The crises you’ve endured have made you more self-reliant, but have also left deep scars.
Advantage: Your character receives 20 skill points.
Disadvantage: Your character loses 10 SAN with all associated consequences.
Trouble
Your character has an ongoing problem and had to learn to deal with it.
Advantage: Your character receives 20 skill points.
Disadvantage: Your character starts with a permanent problem. Discuss the details with your game leader. Examples: mental disorder, wound, serious illness, unpleasant obligation, trouble with the wrong people, open arrest warrant, arch enemy, social disadvantage, unnatural problem…
Bilingualism
Your character grew up in a multilingual home or lived abroad for a long time.
Advantage: Your character speaks a second language like his native language.
Disadvantage: Your character receives 20 skill points less.
Also, see Cthulhu Eternal - Alternative Language Rules.
Luck
Your character has more luck than sense. Maybe they are still very young or they have relied on luck their whole life and therefore haven’t achieved much.
Advantage: Your character receives a bonus of +20% on Luck tests.
Disadvantage: Your character receives 100 fewer skill points.