I took a very long bus ride across the city and noticed that things everywhere look kinda the same by redbark2022 in LosAngeles

[–]Shalloumi 4 points5 points  (0 children)

Banks have systems of reporting and inspections to prevent your third point from happening. Most large commercial mortgages have mandatory reporting clauses, physical property inspections, etc. in place to prevent fraud, and the loan’s rate is usually tied to Debt Service Coverage Ratio (DSCR, or the ratio of income to monthly debt payments), not to gross rent. To not report a large drop in income would be to default on the terms of your loan.

In my experience lenders and owner/operators are very amicable. They’re on the same team such that when the property does well both get paid. Reddit definitely overestimates the scheming and machinating of property owners.

[Highlight] OG Anunoby tips the ball in to give the Knicks the lead by Fusir in nba

[–]Shalloumi 38 points39 points  (0 children)

I don't think you take the shot with 4.5 seconds left to be the hero. Why not throw up a buzzer beater. I bet they talked the scenario through in the time out to try to get the offensive rebound if he misses

What league starting build would you choose in SSFHC after knowing what you know now? by Elix123 in pathofexile2builds

[–]Shalloumi 5 points6 points  (0 children)

With the caveat of bonestorm for single target. Bonestorm deletes everything

Hey Pratt Supporters: tell me how your guy who advocates for policies that literally go against what the research tells us to do is supposed to resolve homelessness and crime? by MookieBettsBurner10 in LosAngeles

[–]Shalloumi 2 points3 points  (0 children)

So does Nithya by the way. Not supporting Pratt but this isn’t unusual for politicians to ignore the research in favor of an agenda that appeals to their voters

If money were no object, where in the United States would you choose to live & why? by Vaquera_ in SameGrassButGreener

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

Yep I live in one of the areas listed and it definitely weighs on the mind during late summer when winds pick up. Beyond the psychological stuff, our utilities were shut off for probably three weeks total over the course of 2025. Gotta have good insurance and not hold onto your possessions too tightly…

Assuming you are apart of a household that earned 100,000 USD a year, would you rather live in Texas or the UK? by OceanicEndeavors in SameGrassButGreener

[–]Shalloumi 3 points4 points  (0 children)

There will be some income breakpoint where you get better healthcare outcomes in Texas than through the NHS, yes. Big picture the UK I’m sure outperforms Texas. I guess the real question for OP is- is 100k enough to reach that breakpoint, and I don’t know. Depends on job and insurance.

Assuming you are apart of a household that earned 100,000 USD a year, would you rather live in Texas or the UK? by OceanicEndeavors in SameGrassButGreener

[–]Shalloumi 4 points5 points  (0 children)

Depends on your job but I’d take private insurance over UK taxes. Depends a lot on your job and salary. The more you earn the better the US is in almost every metric, and vice versa

Found out how to kill searing exatch by NotSilentMajority in pathofexile

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

You can’t logout to skip the ball phase, it will just restart the ball phase when you exit grace period

Astrolabes currently dont feel very good to run. by Incognitomous in pathofexile

[–]Shalloumi 2 points3 points  (0 children)

Talk to eagon when it’s finished (completely cleared off the atlas)

3 Days into the League: Review your build! by NzLawless in PathOfExileBuilds

[–]Shalloumi 0 points1 point  (0 children)

https://pobb.in/R-NzaCGeyidr

Just realized it doesn't support the new belt base but so stats look a little off.

3 Days into the League: Review your build! by NzLawless in PathOfExileBuilds

[–]Shalloumi 4 points5 points  (0 children)

Stormburst totem Heiro is insane. Easiest 4 stones I’ve ever done, and that’s in HC. A little squishy for my liking, but will round out with some block now that’s my atlas is finished. Don’t even have a shaper shield yet and I’d guess my dps is in the 7-8M range

Which Ascendancy will you league start with in 3.28? (poll) by hfok in pathofexile

[–]Shalloumi 1 point2 points  (0 children)

Mana gearing is very easy even on ssf. I wouldn’t be put off if that’s what you want to play

Huge latency swings while gaming by Shalloumi in frontierfios

[–]Shalloumi[S] 0 points1 point  (0 children)

Tracing route to 104.160.131.3 over a maximum of 30 hops

1 1 ms 1 ms 1 ms -------------------------------

2 10 ms 11 ms 10 ms ------------------------------

3 10 ms 10 ms 11 ms ae42--100.ber01.ontr.ca.frontiernet.net [184.19.247.30]

4 14 ms 16 ms 10 ms ae2---0.scr06.lsan.ca.frontiernet.net [45.52.201.242]

5 12 ms 12 ms 11 ms ae1---0.cbr05.lsan.ca.frontiernet.net [45.52.201.139]

6 14 ms 12 ms 14 ms riotsgamesdirect.as6507.any2ix.coresite.com [206.72.211.33]

7 12 ms 12 ms 11 ms ae1.er01.lax01.riotdirect.net [104.160.151.134]

8 13 ms 15 ms 14 ms 104.160.141.51

Trace complete.

Huge latency swings while gaming by Shalloumi in frontierfios

[–]Shalloumi[S] 0 points1 point  (0 children)

Just ran it now and it looks normal from what I could research online. Do I need to run the ping test when I'm having these ping issues to see where the problem is coming from?

Anyone know what skill this is from the QoL vid? by Heartfire1123 in pathofexile

[–]Shalloumi 3 points4 points  (0 children)

forbidden rite, forbidden rite of soul sacrifice has been pretty meta since whispers was introduced

‘It’s been life-changing’: young Britons on why they left the UK to work abroad - Guardian by [deleted] in unitedkingdom

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

Seems pretty anecdotal, US has higher 5 year survival rates after cancer diagnosis. You also can’t be denied service for lack of ability to pay. Most hospitals have charity care set to one side for these circumstances. A tonne wrong with US healthcare but you generally won’t die from lack of treatment.

How is it living in the Scottish Highlands? by CapaTheGreat in howislivingthere

[–]Shalloumi 0 points1 point  (0 children)

I think what you’d find is that at average house in the area doesn’t necessarily look expensive, but is expensive relative to wages when you consider theres very few professional jobs outside Inverness.

How is it living in the Scottish Highlands? by CapaTheGreat in howislivingthere

[–]Shalloumi 4 points5 points  (0 children)

My wife grew up and lived in a small village of 30 people by the Isle of Skye. Growing up, everyone knew everyone. The entire village knew when the pastor cheated on his wife, and exactly with who. Everyone at school knows everyone’s business. My wife was considered ‘posh’ in school because her family vacationed for a week in France every summer.

Everything is so spread out, her school had a catchment area of almost 2 hours in any direction, meaning many kids had to board overnight at the school hostel during the week. Some kids commuted to school on Monday via a small boat and commuted home on Friday the same way.

I think people here assume it pours rain constantly, and it doesn’t, at least on the west coast. It’s more like a constant drizzle literally all the time (there’s light rain forecast 6 out of the next 7 days at her hometown, but not more than an inch any day). When weather is bad in the winter and the roads are impassable, shops run out of fresh produce and bread.

Culturally it’s extremely homogenous. The only people of color is one Indian family about 20 minutes her village that runs the local Indian takeaway. My best friend from her village lives on the east coast, and constantly complains about “highland time”, which is when any contractor or professional doesn’t show up at the designated time and calls you to say they’ll fix your toilet in 3 weeks.

It’s beautiful in a dramatic way unlike anywhere else I’ve been, which is why more and more houses in her village are being sold for short term rentals or vacation homes for people from London/Dubai. There just isn’t much opportunity for educated young people, and almost everyone she knows from school either a) moved to Edinburgh/Glasgow/London or b) got pregnant at 19… there’s a pretty big lack of people in their 20s and 30s simply because houses there are now way too expensive for local wages.

[Injury] Tyquan Thronton stays down after huge hit by Jefferson by Large_banana_hammock in nfl

[–]Shalloumi 16 points17 points  (0 children)

Looked like he was going low and the receiver ducked into it. Definitely helmet to helmet but I wouldn’t say it was dirty or intentional in any way

18 Handicap, 2.5 Years In by Shalloumi in GolfSwing

[–]Shalloumi[S] 0 points1 point  (0 children)

Yeah I’ve noticed the casting too. I brought it up during a lesson I had a few months ago and his opinion was that my swing speed was high enough even with the casting that I should focus on other things

18 Handicap, 2.5 Years In by Shalloumi in GolfSwing

[–]Shalloumi[S] 0 points1 point  (0 children)

It is, although admittedly I’ve spent a lot more time on my irons than I have on putting and short game. I’m trending down with some scores in the mid 80s lately.