Financial Planning – Investment Guide For Beginner

Today or rather last night, U.S. Stocks Slide to Worst Inauguration Day Drop in Dow Industrial History.

What an ironic situation when Barack Obama is supposed to represent hope and change. So how will this incident impact us?  

There is a saying in the market “When the U.S. sneezes, the World catches a cold.” Therefore, if past history serves us right, the market will drop for a short term. And if you like Warren Buffett treats Investment like a Business, this will serve a great buying opportunity. Why? Because when will you purchase more stocks (as in supply) for your business? You are right! When the prices are low! Aren’t the prices low now?

Well, most people invest a huge sum of money (sometimes all their savings) when they see an opportunity. This is no longer an investment but gambling. As we don’t inherit a prophetic thinking to predict the market as accurate. We wouldn’t really know where the market bottom will be.  Hence, we should go in on a systematic approach through a Regular Saving Program (RSP) strategy which is a fixed amount across 12 to 24 months period. By doing so, we are taking advantage of the low prices at the same time, reduced the risk of investment.

Lastly, do you know that, looking back at U.S. history… In 1933, there was a 12 percent slide after Franklin D. Roosevelt’s election, gave way to a 75% rally! Past performance is no guarantee of future results but it’s the best indication. What would you do?

LOTRO Lord of the Rings Online – A Beginners Guide to PVP

Is there any form of PvP in LotRO?

There sure is. But it’s different from what you might expect. Being that the notion of elves mass killing hobbits was distinctly un-Tolkien, Turbine has created Monster Play for players to help them free the beast within.

What is Monster Play?

Monster play, or PvMP, is Player versus Monster Player. What that means is instead of hobbits and elves fighting it out among themselves, a system has been created that lets players take temporary control of “monsters” and fight the higher level regular player characters of LotRO.

Great, so now instead of worrying about an elf killing my hobbit, I have to worry about roving bands of Monter Players?

Not at all! The PvMP system is 100% consensual in nature for just that very reason. Anyone who does not wish to partake in the PvMP never has to, not even for a second. The ongoing battle takes place in the isolated world area of the Ettenmoors, and you won’t find yourself accidentally stumbling into the area either. It’s only accessible through talking with specific NPCs.

Hmm… okay, I’m intrigued. Tell me more about PvMP.

Well let’s give you a run-down of its features, and we’ll go from there.

– The Ettenmoors is a large, fully-developed region, about the same size as the Shire.

– Players on each side start in a “no-kill zone”. You won’t be thrown into the Ettenmoors, and immediately waylaid by opponents.

– The objectives that either side must strive to attain are defeating the enemy in combat, completing PvE and PvP driven quests, and of course, maintaining your sides hold on several Keeps and Towers.

– There are five monster classes to choose from when creating a Monster to patrol the Ettenmoors with.

What classes are available for creating a monster?

The five “classes” of monsters are as follows:

The Uruk Warleader – The main tank of the Monster side, this hefty orc is directly intended to be the leader in groups. With powerful in combat and out of combat buffs, as well as the ability to heal and do moderate damage per second, the Warleader is sort of a jack of all trades.

The Orc Reaver – The Champion class for Monsters, the Orc Reaver is your most essential damage doer. Also with the ability to de-buff, interrupt skills, and do some tanking, he’s a crafty foe not to be taken for granted.

The Uruk Blackarrow – And expert Uruk orc Archer, this class is a ranged damage dealer with some crowd control abilities, and a sprinkling of area of effect damage dealing.

The Warg Stalker – A stealthy canine abomination of the Dark Lord’s army. These pups are proficient in doing high burst damage, they can serve as a tank in some pinches, and are capable of interrupting opposing players spells and skills.

The Spider Weaver – Similar to the spiders often found giving travelers trouble across Eriador, these little 8-legged freaks are efficient at crowd control, damage over time, some light damage dealing, and even some ambush attacks.

It should be noted that you can’t have alts of your monster characters. You can play one of each class though, and their names are permanent upon creations. So choose wisely.

How do I play as a monster in the Ettenmoors?

Below are listed the basic requirements for entering the Ettenmoors as a Monster Player.

-Level any one of your characters to 10 or above.

– Travel to Bree and locate Beggar’s Alley (the eastern side of the map, a small dirt path, and very run down area.)

– Find the red and black obelisk called the “Scrying Pool” that is at the end of the alley.

– Right click it and select the option “Play as a Monster”.

– Select one of the five available classes and click the “Play” button, you’re off!

Can I level my monster and make him stronger over time, like a normal character?

Yes and no. Your monsters will start as level 50 regardless of what level you first step into its skin. They’re not on par statistically or skill-wise with a level 50 player, but more so like a mob that a player would be fighting at that level.

This was done because Turbine anticipates at all times there being more monsters than players (who must be upper-level to play in PvMP) and therefore the fighting field should be level. Monsters can grow in strength though, through the acquisition of Infamy and Destiny Points.

What are Infamy and Destiny Points?

Sort of like experience for monster players, these can grant or enable things like additional skills, improvements to current skills, bonuses to the monster’s Morale, regenerations rates, armor mitigation, and so on. Players can also gain additional appearances to change the look of their monsters over time via the Infamy system.

Okay, now I know how to be a monster, but how do I play my main character in the Ettenmoors? Glad you asked! Of course, you’ll first need to level your character to level 40 though, as that’s the lowest level you can enter the Ettenmoors as. It’s probably a better idea to level him or her a bit higher though, as everything in the zone is geared towards top level players. Once you’ve done this, here’s what you’ll need to do:

– Travel to Rivendell by any means possible

– Find the Horse Stables in the Western section of the area (known as Elrond’s Stables).

– Right click on Stablemaster Remros then select Ettenmoors and click the “Go!” button. You’ll be taken to the Ettenmoors, where you can begin your quest to rid the area of Sauron’s forces.

The objectives for the player character side of things are similar to the monster side. Kill the monsters, complete the quests scattered across the zone, and attain and keep control over the keeps and towers in the area. Doing all of these things will reward your player with Destiny Points.

What can my character do with Destiny Points?

Destiny Points are earned for the player by completing quests and generally waging war with the Monster Players in Ettenmoors. They can be used for special buffs and traits for your character as well as “per-session” buffs upon entering the Ettenmoors.

Will my weapons and armor take damage when I die in PvMP?

Your character’s items will not take damage when he or she is killed by a Monster Player. It is important to note however, that they will take damage if you are killed off by one of the many mobs patrolling the area. But worry not, for no matter who defeats you, revenge is only a few minutes away. You simply need to “rez” at a nearby respawn point and head back into the fray.

What about player character rewards, like items and other things of that nature?

Oh, they’re available. Destiny points and general partaking in Monster Play will help you acquire the necessary things needed for acquiring such rewards. I’ll leave it up to you to find out just what is available for your acquisition. Here’s a pick of some of the perks available, just to wet your whistle.

Is there anything else I need to know, before I go smiting the evil (or the good) of Middle-Earth?

Just remember to travel in packs, be you on the bad or the good side. A solo-player will likely be eaten up in the Ettenmoors, as most players go with the mob mentality when indulging in PvP. Secondly, remember that defeat is not permanent. If you fall in battle, all you need to do is run back to the fight, and give it another shot. No shame in being beaten. And lastly, remember to have fun. That’s what the game is about. Friendly competition, with the added perks of rewards from all your bloodshed.

Tera Berserker Guide – A Beginners Guide To The Berserker!

If you are looking to play the Berserker class in Tera then this article will give you an overview of the class and a few tips that you can use.

This class is an offensive juggernaut and wields a massive axe. The cool thing about the Berserker is that you will be able to take on multiple enemies quite well and the arc of your attacks is immense due to your axe so you will knock most enemies off their feet.

The other thing to note about the Berserker is that you have above average defence abilities but the thing to remember with this class is to make sure you get a decent axe as soon as you can because it directly relates to your defence ability.

With better than average defence and a heavy attacks the Berserker is for people that don’t want to worry about taking on foes 1 vs 1 and want to be in the thick of the battle.

Let us have a look at a few of the skills that will make up your arsenal with the Berserker:

Combo Attack – This is your standard attack and if you hold down the mouse button you will start a combo. The other thing to note with the Berserker is that you will actually get stronger the more you hit an opponent. This combo attack will restore about 10% of your MP per successful hit.

Glyph of Carving – This is a glyph that is well worth picking up and will increase the critical chance of carving by 10%.

Block – This is your standard block and you will block the stat that is equal to the weapon. This is why it pays to have a good axe as soon as you can. For instance if you have 3000 block on your axe and you take 4000 damage from the hit with a successful block you will only take 1000 damage.

Glyph of Spirit – This is a decent glyph to have with block as you will gain 3% mana with each successful block.

The other glyphs that you will want to pick up depending on how you play the game are:

Glyph of the Slick – This will remove the movement speed reduction that you get with some spells.

Glyph of Energy – This reduces the cooldown of certain spells which is handy.

Another skill that is worthy of note is the Thunder Strike which is a HUGE strike with your axe and it will land 4 metres in front of you. This is your strongest attack and you will also be able to keep on advancing due to the animation of this skill.

The Berserker is great fun and is recommended for Beginners to Intermediate MMO players.

Curse UI – A Quick Guide For WoW Beginners

Most World of Warcraft newbies soon learn the importance of user interface modification. These are called UI mods or AddOns for short. The tools are extremely valuable for improving your WoW game play. You should definitely consider getting Curse UI mods and packs.

Main Aspects

The UI mods are software programs created by independent developers. However, most of them are approved for use by the developers of World of Warcraft – Blizzard. The majority of AddOns are available for free. They are usually developed by fellow WoW gamers who do not charge you for using their creations.

The largest database for user interface modifications is Curse. It offers hundreds of AddOns created by various developers. You can find almost anything you need on this database.

Curse UI Mods

The selection of AddOns on Curse is extremely large. There are tools that can help you improve virtually any aspect of your game play, from gold farming to spell casting. There are special AddOns which are designed to be used by a specific class only. The mods are distributed into different categories so that you can find the ones you need more easily.

Curse provides you with useful ratings so that you can make your choice more easily. You can find the most popular Curse UI mods in every category and the most popular ones in general. You will also find a list of the AddOns that are rated as the most useful ones. You should definitely take advantage of this information to make the right choice.

Curse UI Packs

You can readily consider getting an entire user interface modification pack. It contains a number of AddOns bundled together. It is quicker to just grab a number of tools at once. However, you have to rely on the judgment of the developers that the package you get contains the best possible mods.

There are various types of Curse UI packs designed to aid a specific game aspect, such as raids or PvP play. There are bundled packages designed especially for newbies. You can readily take an advantage of one, if you have no clue what tools to look for.

UI Mods For Gold Earning

Making gold is one of the main aspects of World of Warcraft. You need gold to buy more and more useful items. In turn, you will be able to take more quests and progress to higher levels faster.

There are various Curse UI mods that you can use for gold earning. It is essential for you to get a tool for finding suitable farming spots. You also need one that will help you find and pick all sorts of valuable items easily and quickly. Perhaps, the most important mod you will need is one that will provide you with Auction House data analysis.

You can get great benefits from various AddOns. However, you cannot be successful in WoW and make lots of gold without using the right strategy. As a beginner, you can readily rely on the advice and guidance of more experienced players.