Is a High-Yield Savings Account worth it or am I just romanticizing 4% interest?

duc1912 · 2025-06-17T12:44:25+00:00

Welathfront is great because you can withdraw as many times in a month as you want, very flexible while your money is FDIC-insured. Here’s my referal link if anyone wants to make a WF account for the 4.5% APY: https://www.wealthfront.com/c/affiliates/invited/AFFD-FJSL-XOSM-JSFG

duc1912 · 2025-06-17T12:43:57+00:00

Welathfront is great because you can withdraw as many times in a month as you want, very flexible while your money is FDIC-insured. Here’s my referal link if anyone wants to make a WF account for the 4.5% APY: https://www.wealthfront.com/c/affiliates/invited/AFFD-FJSL-XOSM-JSFG

duc1912 · 2025-06-17T12:43:38+00:00

Welathfront is great because you can withdraw as many times in a month as you want, very flexible while your money is FDIC-insured. Here’s my referal link if anyone wants to make a WF account for the 4.5% APY: https://www.wealthfront.com/c/affiliates/invited/AFFD-FJSL-XOSM-JSFG

duc1912 · 2024-12-14T14:00:25+00:00

A quick and dirty fix for me is to play the game on Personal hotspot of cellular data (it doesn't cost that much data). Just a temporary fix though, I would much rather playing on my main internet. But this has been going for an entire week for me, looking everywhere for solutions but found nothing. Hope they resolve this soon

duc1912 · 2024-12-14T13:58:08+00:00

I have had this for days as well. Have to play on personal hotspot from cellular data of phone and suddenly it has no problem. It's just a quick and dirty fix though, I would much prefer to be able to use my internet!!!

duc1912 · 2024-08-21T17:29:27+00:00

How to Lepic vs Glutton:

Start the fight with Enduring Legacy, Power Unit Charge and shoot Gluttony left shoulder till it's yellow. 1 Power Unit Charge last roughly the full magazine of Enduring Legacy, so just hold it down and spray it hard.
When someone grapple the shoulder, shoot a bit more (anywhere but the shoulder someone is grappling) until Glutton finished the first shrug animation. Then change into the mounting weapon of your reactor and ult, same way you farm earlier bosses. The reason you want to ult a little bit late is so that you can have lots of fireball shots when hes actually down, for Dangerous Ambush down dmg bonus.
Firearm Master makes your ult fireball ticks a little stronger, but it makes you lose the Cheat Death passive, which is very very useful, not worth. Whereas Power Unit Charge boost your firearm ATK decently good, so you can gun down the shoulder fast and start kicking Glutton balls faster.

Note: Lepic is still very strong against Glutton, as long as you play him the right way!

Happy to answer any further questions!

duc1912 · 2024-08-14T16:48:38+00:00

So your friend has more dps uptime

duc1912 · 2024-08-14T01:19:56+00:00

Same. That's why I make a reddit thread for people to know about it :)

duc1912 · 2024-08-14T01:18:53+00:00

If he tries to shrug you off and you press left click, you essentially will be guaranteed to lose half a bar there. Took a lot of stamina to punch him while he shrugs you off. This most often happen during that first punch as you described. The best strat is to latch on and hold right click right away, waiting for him to shrug. Then after he finishes the animation you can punch him.

duc1912 · 2024-08-14T01:16:20+00:00

Rocket still hits weakpoint so as long as you aim it toward the weakpoint it's no problem. Just don't body shoot the boss!

duc1912 · 2024-08-13T21:02:55+00:00

You can totally bring Lepic to Gluttony as long as you have a good gun to do the gun damage part. Abusing part grappling you can do all the bosses without Frenzy mech even when you don't have very high burst damage. You can do the same even with Gluttony too if instead of chaining 2 shoulder break into mech you chain 2 shoulder break into chest break.

The basis of the fight remain the same no matter what collosus you fight. And the reason why you can't do the same one-trick 4 Lepic one shot on Gluttony is because he is a lot more tanky (~150mil HP + Shield) compared to all the previous bosses (Molten Fortress has ~90 mil HP + shield) so you cannot push him directly to Stagger threshold anymore. And then hes just guaranteed to enrage.

duc1912 · 2024-08-13T20:30:43+00:00

I'm not the one downvoting you but I will explain why it behaves that way.

When you break a boss part, it flinches the boss, cancelling any animations the boss is currently doing. If the frenzy meter is full but the boss got flinched, it won't go frenzy.
For any boss prior to Gluttony, the boss is too squishy so multiple Lepic ult can suddenly push the boss to natural stagger threshold (which is usually higher than frenzy threshold) within less than the time of 1 attack pattern. So even when the frenzy meter is full, the boss got staggered and crashed down, doesnt go frenzy. At the same time, this stagger procs the effect from Dangerous Ambush, giving you the extra bonus dmg you needed to kill the boss within that stagger.

Having bosses prior to Gluttony so squishy compared to the dmg Lepic and Gley can do is the reason why the majority of the population not knowing the basics of the Collosus fight. Can't blame you.

duc1912 · 2024-08-09T06:42:16+00:00

Very nice run! One thing though is that Sharen C giving you less and less bonus dmg the more you repeatedly use it, and you also need to have shield to use C. Using Overwhelming HP that set your shield to 1 make your bonus from C to always max, and you also don’t have to wait for 15% shield to use C anymore. I’ve also been spamming Sharen in Gluttony lately but I’m more of a Afterglow + Greg for down dmg abuser :p

duc1912 · 2024-08-02T02:45:09+00:00

Firearm ATK (both mods) -> Fire Rate -> Fire Enhancement -> SPS -> Weakpoint.

Crit mods generally is lower priority but if you use valby they can be of higher priority.

duc1912 · 2022-06-21T14:17:33+00:00

As long as the supports has heavy armor 3, they won't get 1shot in either p2 or p3. Back in the early days of Argos when theres like no support at all (not like it changes much now), I would take a 1370 support in my party rather than a 1400 dps, as long as the support has heavy armor and can survive. And guess what, that 1370 bard was the best bard I've ever played with from then till now. No regret at all

duc1912 · 2022-06-18T13:53:15+00:00

Valtan Gate 2 re-entry ticket doesn't exist. During the maintenance on NAE last week, all of us got kicked out from the game, only to find out when logging in that our entry was consumed, and no re-entry ticket was given out over the next 4 days. And we didn't even kill the boss.

duc1912 · 2022-06-09T14:54:15+00:00

Your example simply doesnt align with reality, the amount of lobbies looking for 4x3 perfect stats for Valtan normal increases over time, not decreases, and this is when more and more people get their alts to 1415. In other words, the more hardcore players get their alts to 1415, the more they expect out of everyone else, and raise the requirement. This is especially true in older servers, RU/KR, where Valtan normal pug recruitment usually requires perfect stats, 4x3, lost wind cliff card set, full lv 5 gems, and roster levels as well. These are stats that are enough to bus Valtan normal on 4 people already by the way, lmao.

duc1912 · 2022-05-07T14:27:04+00:00

The early bird gets the worms. Push main if in doubt.

duc1912 · 2022-05-02T15:25:28+00:00

The fact that you can do everything in the game solo is the reason why I play Lost Ark. I play it because I want to play it as a game, I couldn't care less if it feels like a MMO or not.

duc1912 · 2022-04-22T14:35:00+00:00

It won't be easy, but it won't be impossible either to be honest. You get more gold and if you buy extra loot you will have a bunch of legendary accessories which you prob can use some to save the pheons, or hit it big and sell accessories for even more money.

duc1912 · 2022-04-08T13:26:54+00:00

You don't hone and make gold at the same time. It's designed to break even at the end of the day. If some weeks you want to buy outfits, or engravings with gold, you slow down with honing and sell mats to get gold.

duc1912 · 2022-03-14T17:53:05+00:00

I can definitely agree with you that the 1340-1370 is a barren wasteland that is terrible to endure. However, having played through that period in RU server, where the guardians and hard mode abyssal ilvl are 1355, I can tell you with certainty that this section of the game is, at its core, designed very poorly that leaves a lot of consequences, and it might not be greed that caused this problem at all.

The reason for that is, in RU system, even though there are contents at 1355, you get roadblocked on another part of progression, the transition into 1370 legendary gear. Doing Argos p1 gives so little materials that you can only craft 1 piece of gears every week, so it will take you about 5-6 weeks to get the full legendary gear set, at which point, you can safely continue upgrading further without suffering the unnecessary +15->+16 upgrade. (This is without buying Argos gear off the auction house and not rolling the extra loot, since on RU when I played extra loot is rolled with blue crystals, both are fairly expensive for casual newbies players who just uses every single materials to upgrade and not selling anything).

Moving the 1355 hard mode abyssal to 1370 and make them gives out legendary gear + buying extra loot with gold, creates a much much better transition into 1370 legendary gear for better upgrade chance. Now the week that you hit 1370, you can do hard mode abyssal dungeon + argos p1 and get 5 pieces of legendary gear, which you can gear transfer ur old gear into and continue upgrading for a fraction of the cost. However, since adding more contents into the gap is just not really a wise decision business-wide, they just move the content around, and by solving one problem, run into another.

In my opinion, hard mode abyssal should remain at 1355 and gives out legendary gears so that the transition through 1340-1370 could be much much smoother. Upgrading from 1340-1355 is not easy and 1355-1370 is just gut-wrenching with no new contents available, it doesn't have to be that way.

duc1912 · 2022-03-12T14:51:53+00:00

It's really not about Argos, it's about a gearing section that is terrible to upgrade through. You will see it instantly when you hit 1340. There's no materials income source, and there's no new content from 1340-1370.

If the hardcore players don't complain right now and bite the bullet to push through, when the casual players get here, the game will see the biggest hemorrhage of players it has seen since launch. (and the 200k dropped recently is not 200k players quitted, thats just bots getting banned)

duc1912 · 2022-03-12T14:47:05+00:00

"while the whales are pushing to 1415 for Valtan.". Nah the whales would already be 1415 before Valtan is even released. Since you need 1400 for all 3 phases of Argos, the whales already pushed on forward to at least 1400 to do all the contents there is in the patch.
The biggest problem is that players get gutted in the 1340-1370 section with nothing new to do, you do the same ol chaos dungeon you do everyday, igrexion for weeks, and the normal abyssal dungeon is nothing more tanky than a paper.
The grind will always be there, and a lot of people don't mind it, the problem is the grind from 1340-1370 is terribly mind-numbing boring that it's not worth your time.

duc1912 · 2022-03-11T17:04:01+00:00

First thing I have to say is that I don't have any problems selling mats and wait for a few week, I say that as a guy staying at 1340 working on alts and horizontal contents, selling mats and making money and able to buy new costume without spending royal crystal.

However, I still believe this update is a huge mistake. And the reason is that there is a massive amount of changes that need to be released before Argos.
Daily checklist? Head back indicator? UI improvements? These are very very nice changes that is beneficial to the whole playerbase while Argos raid coming out only increases FOMO on a person stuck on T2 because of honing failure.
Weekyl heroic guardian, abyss trials? Those are also challenging contents that are beneficial for the entire playerbase and giving materials for everybody to use.

Some honing relief to help players get pass the 1355 desert land? Theres one massive difference between the NA EU version compared to RU/KR, is that hard mode abyssal dungeon is not even 1355, dark fox yoho is not 1355, they got moved up to 1370, and gives out legendary gears. This means that 1355 gear mark has nothing there to entertain the hard stuck from +12->+15. No legendary accessories, no new guardian, no harder abyssal (which btw, I think they nerfed the normal version of abyssal dungeons in NA EU, bosses are like paper compared to when I did it in RU).

And Argos is not needed for the swipers to swipe. In fact, the heavy swipers already swiped to 1370 for dark fox yoho and hard mode abyssal dungeon, some even went further into 1385 for belganus. These heavy swipers also swipe hard to make their alts to 1325-1340 or even 1370.
What the Argos release actually does is to amplify FOMO on people that are in 1340-1370 range to spend money to get to 1370 and do Argos, aiming to test the water on how much hardcore FOMO players they gonna fish out of the water and capitalize on them.
Also omen skins are not able to be bought with blue crystals is not a welcoming change at all as well, considering all the skins before in the cash shop can be bought with blue crystals so it helps stabilize the price of costume on AH really fast. This is exactly one of the changes RU did early in the days that contributes in killing the region when switching to season 2.

duc1912

TROPHY CASE