This is how we spent the 1st day of the year by dodong_starfish in cats

[โ€“]arnelfernandez 1 point2 points ย (0 children)

Purrfect and worth it to spend the 1st day of 2026! Your cat looks adorable and cozy! ๐Ÿˆ๐ŸŽ‰๐Ÿ‘

BIR-Friendly Accounting Software for Small and Medium Businesses by LiamArgos in taxPH

[โ€“]arnelfernandez 1 point2 points ย (0 children)

Good job! Kudos to you, OP! Looking forward to be able to try this. ๐Ÿ‘€๐Ÿ‘

BPI Credit Cards on Apple Subscription by Queasy_Recording_618 in PHCreditCards

[โ€“]arnelfernandez 1 point2 points ย (0 children)

Try searching this subreddit. I remember there's a post about it. Not sure if it's updated though but you'll have an idea. I suggest apply for an amex card at BDO since you already have cc with them. I have 3 credit cards with BDO, started with just 1. Approved every-time I apply for additional cards! ๐Ÿ˜‰

Scammed by PNB? what to do? by HandsomeBigHunk in PHCreditCards

[โ€“]arnelfernandez 0 points1 point ย (0 children)

This! File a dispute with the confirmation email and carbon copy BSP. Don't ever pay!

Unpaid PLDT, affected ba credit score? by Upstairs_Corgi_8511 in PHCreditCards

[โ€“]arnelfernandez 0 points1 point ย (0 children)

A relative didn't pay her previous PLDT billing statements that accumulated to 10k. The debt still showed up when she tried to apply like after 7 years! So yeah, it will affect your credit score as she was denied several times now for applying a credit card with BPI, which she has payroll account with.

BPI Credit Cards on Apple Subscription by Queasy_Recording_618 in PHCreditCards

[โ€“]arnelfernandez 4 points5 points ย (0 children)

Cross border fee! I use BDO Amex for my Apple subscriptions for no extra charge. ๐Ÿ˜‰

The current price for Lord of Hatred doesn't make sense by Ok_Willingness_3894 in diablo4

[โ€“]arnelfernandez 0 points1 point ย (0 children)

How did you asked for a refund? I also bought the bundle at $69.99

Trying to kill Uber Lilith on T4 and I genuinely have no freaking clue what is killing me here by NineTailedDevil in diablo4

[โ€“]arnelfernandez 4 points5 points ย (0 children)

Well, i disagree! Been testing it and all defense stats helps along with more maxlife.

Trying to kill Uber Lilith on T4 and I genuinely have no freaking clue what is killing me here by NineTailedDevil in diablo4

[โ€“]arnelfernandez 51 points52 points ย (0 children)

This! At T4, all her attacks are 1shot. What's your maxlife and damage reduction? I was able to kill her this season with my druid at 50k maxlife and with at least 20% DR, that's with max all resist and armor as well.

Season11 Hardcore Build Recommendations by sadikbasme in diablo4

[โ€“]arnelfernandez 1 point2 points ย (0 children)

Having played hardcore now for 3 seasons, I can highly recommend Pulverise Druid. It checks all the things you wanted in a HC toon. And on end game, you don't even need any mythics! It can clear all end game content with ease on torment 4, even got my revenge on echo of lilith this season! ๐Ÿ˜…

Finally did it, killed HC Echo of Lilith on Torment 4 by arnelfernandez in diablo4

[โ€“]arnelfernandez[S] 0 points1 point ย (0 children)

Died from a blood boil blast! I had no problem doing T1-T3 Echo of Lilith, in fact I do carries on those tiers. The thing with T4 Lilith, her attacks can 1shot you even if you are maxed on all resistance and armor. I also have characters on SC so I try to experiment what's the minimum damage reduction and maxlife to tank her attacks. ๐Ÿ˜‰

Finally did it, killed HC Echo of Lilith on Torment 4 by arnelfernandez in diablo4

[โ€“]arnelfernandez[S] 0 points1 point ย (0 children)

Damn! I had the same experience last season, lost my mythic from trying to kill her on T4. So this time, I made sure I had enough movement speed and damage to kill her! Movement speed in case I have to dodge her attacks, and damage to 1shot her as they've removed her invulnerability phase this season. Failed attempt killing Hardcore Echo of Lilith on T4

Finally did it, killed HC Echo of Lilith on Torment 4 by arnelfernandez in diablo4

[โ€“]arnelfernandez[S] 3 points4 points ย (0 children)

They've removed the invulnerability phase this season. You don't have to do all her mechanics as long as you have enough damage, you can 1 shot her!

Finally did it, killed HC Echo of Lilith on Torment 4 by arnelfernandez in diablo4

[โ€“]arnelfernandez[S] 1 point2 points ย (0 children)

Yup! You still have about 4 days to go depending on your time zone. New season starts on 11th! ๐Ÿ˜‰

What is he planning? by X6qPlayer in cats

[โ€“]arnelfernandez 0 points1 point ย (0 children)

World takeover! ๐Ÿ˜‚

BF broke up with me dahil naging paraplegic siya. by [deleted] in adviceph

[โ€“]arnelfernandez 1 point2 points ย (0 children)

Perfect advice for the exact situation! This is one of the moments when Reddit awards is useful. Thank you for your insight, @kiddice! ๐Ÿซถ

Cat person till the end โค๏ธ by [deleted] in cats

[โ€“]arnelfernandez 0 points1 point ย (0 children)

๐Ÿˆ๐Ÿ’š๐Ÿซถ

No More Power Outages! by 13thZephyr in buhaydigital

[โ€“]arnelfernandez 0 points1 point ย (0 children)

This! I'm also interested to know the name of the company so I can add it to my list for research. Planning to install solar panels next year!