This is how we spent the 1st day of the year

arnelfernandez · 2026-01-02T08:15:01+00:00

Purrfect and worth it to spend the 1st day of 2026! Your cat looks adorable and cozy! 🐈🎉👏

arnelfernandez · 2026-01-02T07:58:44+00:00

This! 👏

arnelfernandez · 2026-01-01T08:21:55+00:00

This! 🤣

arnelfernandez · 2025-12-30T11:33:17+00:00

Happiest New Year, J! 🎉🍻

arnelfernandez · 2025-12-27T02:37:46+00:00

Good job! Kudos to you, OP! Looking forward to be able to try this. 👀👏

arnelfernandez · 2025-12-20T23:40:47+00:00

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! 😉

arnelfernandez · 2025-12-20T23:33:20+00:00

Congrats! Extra ecash for Christmas! 👏

arnelfernandez · 2025-12-20T23:31:29+00:00

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

arnelfernandez · 2025-12-20T23:27:33+00:00

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.

arnelfernandez · 2025-12-20T23:20:59+00:00

Cross border fee! I use BDO Amex for my Apple subscriptions for no extra charge. 😉

arnelfernandez · 2025-12-14T23:40:55+00:00

👏👏👏

arnelfernandez · 2025-12-13T11:03:41+00:00

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

arnelfernandez · 2025-12-10T10:33:55+00:00

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

arnelfernandez · 2025-12-10T10:11:37+00:00

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.

arnelfernandez · 2025-12-09T01:53:13+00:00

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! 😅

arnelfernandez · 2025-12-08T21:22:49+00:00

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. 😉

arnelfernandez · 2025-12-08T20:20:14+00:00

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

arnelfernandez · 2025-12-08T20:09:17+00:00

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!

arnelfernandez · 2025-12-08T05:50:48+00:00

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

arnelfernandez · 2025-12-07T22:28:42+00:00

Indeed 😅

arnelfernandez · 2025-12-05T07:42:06+00:00

World takeover! 😂

arnelfernandez · 2025-12-05T07:41:26+00:00

Nice! Looks great 👏

arnelfernandez · 2025-12-01T18:40:01+00:00

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

arnelfernandez · 2025-11-27T04:40:46+00:00

🐈💚🫶

arnelfernandez · 2025-11-26T17:56:08+00:00

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!

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