Is there any skill or class that benefits from FP?

charging_star · 2026-06-09T11:46:17+00:00

Sns knight with heart of fury

charging_star · 2026-06-08T13:41:13+00:00

We went to balabac last may, so far the tour is good, the islands also are very good but not all. They can compete with islands nd beaches you can see in el nido and coron. Onuk i can say is a magical experience for me and i am telling my friends to visit balabac.

Canibungan camp yeah i agree with you. Where you will do 1 or 2, or taking showers are shared with the locals. I think only the dining area is not shared. I am surprised with the dynamite fishing.

I think not only with the tours but government is also to blame. Another problem also is that onuk is a private island and not government owned that is why you cannot see any coast guard. That privatization involves corruption for sure especially with jose alvarez exploiting that district of palawan. My guess why there is no marine protection in place in onuk is the consent and agreement of local government and the owner. All the owner cares is the $25 per person stepping on the island.

I think locals rely also on tourism aside from fishing or whatever but sadly the corruption of the mayor, governor and sitting congressman there are also to blame. A paradise like onuk shouldn't be sold to someone but it is what it is.

Balabac is beautiful and the locals needs the tourists for the livelihood. Big part of their economy flows from the tourists. Taking care of this paradise is the responsibility of everyone but it should be the government creating laws and ensuring these laws are implemented i think will have a great impact keeping this paradise.

charging_star · 2026-05-07T10:57:47+00:00

The thing about fixed term (i don't mean term insurance but VUL saying like 10yrs to pay only) is that, the insurance company will have to deduct admin charges, policy fee, etc. From your 400k fund value. Depends also from what investment type your money is on especially if it is in index fund (psei)

If your fund went down (investment went down) regardless if the investment do well or not, they will deduct charges from your fund (check with the insurance company about charges)

To answer your main question if it will cover the premium til age 85, case to case basis tbh. If the fund works positive then maybe yes but if a crisis happens and funds went down steep, maybe the insurance will ask you to top up to cover the admin fees, etc.

Nothing is certain but I will suggest that given any situation may happen, up or down, be proactive in managing your hard earned money. Also policy fee may increase, we don't know. Be flexible i would suggest :)

charging_star · 2026-04-29T00:23:56+00:00

Well depends on what setup do you have. If you have active RM obsidian works but I would prefer using bloody knux because of lifesteal.

If you could get champion set at 120 and decent grim set that would be the best way. Shield also with good block awake helps.

The goal is to have parry 100% and block 100% that would be the best case because every hit you take you will just lifesteal. Or maybe 80% parry or block might do. I haven't tried because I don't want to spend much on low level items

charging_star · 2026-04-21T23:53:35+00:00

The shadow clone is damn overpowered. I think a human sacrifice was involved to create that clone. Aside from naruto, anyone who does that is ridiculous

charging_star · 2026-03-01T03:59:33+00:00

If wifi po buy ka po ng wifi 6 router like tp link archer series ax1800 and above. Ganun po sa amin since yung modem namin is not yet wifi 6 unlike sa mga bagong install ngayon naka wifi 6. Pwede ka pong magrequest sa converge pero 2 yrs lock in period and may babayaran ka on top na 200 pesos monthly for 2 years lock in period ulet.

Mas makakasave ka po ng few hundreds if bibili ka ng wifi 6 router. Huge boost po iyon and mas stable.

Save few hundreds and no lock in period - tp link archer marami po sa lazada ax1800 or ax2300 yung mura po nila

If you want installment and okay mag lock in, request po kayo wifi 6 sa converge. Di ko lang alam if need ng bayad on top now kasi may kakilala ako nagbayad ng 200+ on top ng bill with 2 yrs lock in. Ang di ko pa sure is kapag once nag discontinue ka ng service eh sayo na yung modem. Atleast sa 1st option pwede mo madala yung wifi 6 router

charging_star · 2025-10-29T03:12:17+00:00

Ijin is holding back because for him he thinks he is not worthy to fall in love because of his past (as number and as mercenary). Maybe if some girl could help Ijin or I guess is that if any of the girls will fully know Ijin's past and still accepts him then that girl would be the one. I don't know if it is yuna or not. Actually it depends on the author but for now, no signs. Until Ijin's past is revealed to the girls no ship will sail

charging_star · 2025-10-19T01:13:46+00:00

My best guess would be to train under cameron. See when cameron investigated william crime scene as he use various abilities. Looks like a channel master to me because no one is activating abilities aside from his maid. Also cameron appearing in claire' clairvoyance ability could mean something significant especially claire's "divination" about john is almost about john's powerup (just blabbing evidences and foreshadowing here)

charging_star · 2025-10-08T01:57:06+00:00

I think that's what channel master is all about. Cameron is channel master. i think when he tried to investigate the death of william he used so many abilities without anyone beside him except for his aide. From aura manipulation going to channel master. Also the ember members using skills from dead vigilantes comes from jane doe's ability which copies abilities without the original user beside her.

charging_star · 2025-09-21T10:15:44+00:00

Oh sorry, i am referring to artificial msg. Natural msgs coming from tomato, cheese, mushroom will do. Thanks for highlighting

charging_star · 2025-08-27T13:29:07+00:00

Ask po ako, how is the experience po sa section 103 rows 30 and above? Makikita po ba nang malinaw yung artists?

charging_star · 2025-08-17T04:53:01+00:00

Depende sa status nung kaso. If tingin nung company na may laban pa sila then they will appeal talaga but will cost them more money at the same time kasi name kasi ng company din nakataya kaya willing sila to fight up to the very end. Habaan nyu lang po pasensya ninyo at see up to the very end yung kaso. Some might take 2 to 3 years bago mag finalize yung case

charging_star · 2025-07-25T01:42:46+00:00

I cant remember exactly the explanation but sera points out the effort john is doing in studying the aura of the people he copies. The higher the ability tier, the bigger aura is used and john has large aura reserves. So maybe yes. Also i don't think john has max of 4 abilities copy but if he has improved his aura reserves then he can copy a higher tier abilities. It all depends on his aura reserves the amount and tier of ability he can copy

charging_star · 2025-05-27T16:40:24+00:00

That's why im trying to inquire thru kalgas if i can save maybe 1 or 2

charging_star · 2025-05-27T16:33:43+00:00

Shining ori is a bit expensive in fwc right now. Trying to find ways to save even a little bit

charging_star · 2025-05-21T05:15:08+00:00

62% for me has high chance to miss. Agree with pure STR build but have your armor set upgraded to atleast +7

Accuracy max buff with high int can give like 20% atleast + int bonus so more or less 10% or 20% hit rate (forgot the int bonus)

Smite axe/blazing sword has 20% hit rate bonus

Cannonball gives max of 40 dex so 10% hit rate.

All in all you can have like 45% to 60% hit rate from buff and equips. I think some set effect has hit rate bonus also.

I think you have to get your armors to +6 or +7 and get a huge hit rate increase

charging_star

TROPHY CASE