truthd

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My spouse works for a small employer who currently has a Simple IRA plan. The plan provider has both load (Type A, C, etc.) fees and higher plan maintenance fees. For example SPIAX (a 500 index fund) type A charges a 2% load fee up front (that's what I calculated based on the statement at least), and then an annual expense of .54%. I was a bit surprised by these high fees and the initial load fee, for example comparing to Vanguard VFIAX .04% with no load. The SPIAX was the best fund the plan offered for a 500 index fund.

I convinced my spouse that they should speak to their employer about options for a better plan, including a 401k which has higher contribution limits than the Simple IR

So I'm fairly new to D3, and this is my first season. The guides on icy veins I've been following don't put a huge priority on area damage. However, it seems to be really popular here. Why is it so good and what priority do you put it on your gear?

As I understand it, area damage is a flat 20% chance on attack. Does it only proc on my attacks, or those of my pets as well? How about things like haunt or other DOT effects, does it have a chance to proc on every tick or only the initial hit?

For example lets say I have 150% area damage and I hit some mob and it procs, I assume all other mobs in 10 yards take 150% damage from the initial hit. It doesn't have a chance to chain additionally rig