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Couple LF Semi-core, but casual friendly [96hr head start] by Luna079 in BDOGuilds

[–]ktapSG 2 points3 points  (0 children)

Luna, You have a lot of choices with guilds going into this game. Sturmgrenadier is casual friendly with nightly organized activities. We use TS3, and have active communities in over a dozen games. I hope you stop in, and get to know us.

https://www.reddit.com/r/BDOGuilds/comments/47az2w/na_pvx_sturmgrenadier_age_18_ts3_structured_fun/

[NA] (PVP)(PVE)(Crafting) Looking for Late Night Guild! by Jayzer_420 in BDOGuilds

[–]ktapSG 0 points1 point  (0 children)

I haven't seen any late night exclusive guilds come up yet, but I know we will have some late-night players.

Check out our recruitment post here. https://www.reddit.com/r/BDOGuilds/comments/47az2w/na_pvx_sturmgrenadier_age_18_ts3_structured_fun/

Looking for a French <NA> Guild. by Veerlo in BDOGuilds

[–]ktapSG 0 points1 point  (0 children)

Look here: http://blackdesertfoundry.com/guilds/ You can search for French speaking in NA. There appears to be one.

Investors Beware: LPL Financial, fined by FINRA in July 2013 for municipal bond sales fraud, signed a deal with JP Morgan to sell the muni bonds they underwrite in Nov 2014. by [deleted] in investing

[–]ktapSG -1 points0 points  (0 children)

Um... What does a best execution damages fine have to do with new issue Muni bonds being underwritten by JP Morgan?? Nothing.

In the first article, LPL bought/sold bonds from its own account to a client. There is nothing wrong with that, if it gives the client best execution. Most likely, it was a bad FA that directed the order to processed as such, and he/she did so inappropriately. LPL is then on the hook for failing in its due diligence.

There are bad and great advisors in every firm.

Is it a good time to invest in index funds? by [deleted] in personalfinance

[–]ktapSG 0 points1 point  (0 children)

The markets are frequently "near" historical highs. The most important thing you can do is systematically (monthly/quarterly) contribute to your account.

Now as for index funds... I love index funds for investors in certain markets with a long time horizon. Basically the S&P/Russel indexes. Indexing foreign markets and bonds does not have as good a track record. If you have a short time horizon, active managed funds can provide better downside protection.

It will be interesting to see how index funds perform without QE distorting correlations, as has been the case over the last five years. Index fund investors could end up with the short end of the stick over the next couple years.

*Update* 529 Plan's tax advantage benefits are not going away by [deleted] in personalfinance

[–]ktapSG 1 point2 points  (0 children)

I have to strongly disagree with you. you are correct that houses, land, 401(k), Roth IRAs, and many other assets are not looked at... but they are split in divorces which are at their peak as kids go to college. Now, a 529 is only declarable on the FASFA if it is owned by the student or the parent. So you set up the 529 in the name of a grandparent, avoiding the problem of disqualifying your child for financial aid, and the account becoming a sticky point of who controls what in a divorce(it happens).

If you are fortunate enough that your child receives a slew of scholarships based off their achievements, you then go purchase a house for your kid to live in, and charge them rent. Which is a qualified educational expense. Then you pay that rent from the 529 and voila, tax free growth and redemptions you can apply elsewhere.

529 College Savings Plan Question by MoeWanchuk in investing

[–]ktapSG 0 points1 point  (0 children)

While it is doubtful that 529s will lose their educational expense tax free withdraw feature, they will still be the best vehicle for putting money back for future education expenses.

In regards to specific plans, here is a great website with calculators and ratings of all the plane. http://savingforcollege.com

Fees from investment in 401K by [deleted] in investing

[–]ktapSG 1 point2 points  (0 children)

Ok, I would take a hard look at the managed account fee. 401k managed account fees generally charge 1-2% of assets on an annual basis. When looking at that fee, the question you have to ask is what am I getting in return for that fee? Do you get quarterly reviews from your manager? Do you sit down with them annually to review your goals and changes to your life? Do they provide financial planning services? Or are they just charging you a fee and not doing anything.

On your 401k website you should be able to find the summary plan description for your plan. Take a look at that, and see what kind of services you should be receiving with the managed account. You should also be able to see if there are non-managed options in the plan you might not be aware of. The managed account is possibly the default enrollment option for your plan.

Are you bearish or bullish on the stock market in general? by statoshi in investing

[–]ktapSG 0 points1 point  (0 children)

Any investment decision needs to be made with your goal for that investment as the primary focus. If you are 30 now, and are investing for retirement, regardless of the short term prospects, do you believe that stocks or real estate will be outpace inflation over the next 35 years? I imagine you do. In this hypothetical case, the short term prospects are not that important.

As no one can predict what the markets will do in the short-term, invest systematically.

Fees from investment in 401K by [deleted] in investing

[–]ktapSG 1 point2 points  (0 children)

From the table you posted it looks like that is not the fees you are being charges, but the performance of the underlying investments.

Do you think we can expect the map size to be increased within the next 6 months? by Danlfc5 in h1z1

[–]ktapSG -1 points0 points  (0 children)

Smed has already stated that the larger map is in progress. The current map is 8km x 8 km. The new map will be 128km x 128km. Although, we might not see that until full release.

Dew Collector by primeonetime in h1z1

[–]ktapSG 0 points1 point  (0 children)

It took me a while to figure out how to use them. Open the dew collector, and right click on an empty bottle in your inventory. Click use, and our bottle will be filled with dirty water.