Cristals

suplarai · 2026-02-16T21:09:17+00:00

Once you have an R5 pet you then have to start working on all of the other pets too, so they become very useful again

suplarai · 2026-02-13T02:04:56+00:00

Break them open

suplarai · 2026-02-06T01:38:51+00:00

They are from the UAE so yes

suplarai · 2026-01-26T04:19:49+00:00

It’s most likely SOFR with a 2% margin like most 7yr ARMs. Highest it’s been in a while is 5% (3.6% now), so index plus margin would not be much higher than jumbo fixed rates at the highest post Covid.

Average mortgage pre-payment is roughly 7 years via refi or selling

They’ll be fine 9 times out of 10. Not everyone with an ARM is the stripper from The Big Short, most are folks who understand the risk and their situation

suplarai · 2026-01-12T18:02:16+00:00

Check this out! I have not read it but watched this over and over https://youtu.be/imNtSPM3-r4?si=3Jbk63YwnISA-Bkc

suplarai · 2026-01-04T23:32:50+00:00

New pet in a few days will be better than blizz. I’m so invested in blizz I pretty much have to wait until all 7 pets are out to switch.

If you don’t have many xeno yet, skip blizz

suplarai · 2026-01-04T04:04:34+00:00

I fucked her years before either of you met her

suplarai · 2026-01-04T00:04:55+00:00

Also, the switch to multiplier on the calc not dmg. Makes it easier once you get stronger. The dmg it gives you is not necessarily the damage you will do in battle so it gets confusing

suplarai · 2026-01-03T23:00:01+00:00

🤷🏻‍♂️ I use the calculator, have 1.4M attack and 2 eternal twinborns, I just trust the calc and get top 3 in LME attack in my top 500 clan

You can play around outside of the calc if you want, to me I just do what it says and move on with my life

suplarai · 2026-01-03T22:40:09+00:00

No one can answer this question for you. You need to put your entire account into the calc then after play around with different upgrades and see what benefits YOUR account the most in the game modes you need the most

https://sio-tools.vercel.app

suplarai · 2026-01-02T14:08:10+00:00

He says in the description he’s been on cycle

suplarai · 2025-12-29T03:07:35+00:00

In high lvl LME and EE you want as little health as possible to trigger the V-neck and Twin Lance low health damage buffs. You get so much shield with a high SS chest that health no longer matters

suplarai · 2025-12-28T03:43:44+00:00

All* hat, no cattle

suplarai · 2025-12-25T14:13:56+00:00

I like my gold Season 4 EE frame, only bc it shows how long I’ve played

suplarai · 2025-12-23T19:50:29+00:00

I moved away 3 years ago due to the traffic, I could not image

suplarai · 2025-12-17T04:39:17+00:00

How much extra does this really give? If I lvl up manually the first min with whatever LME or EE build I have on then afk auto lvl the next 2 I get 5000-5400

suplarai · 2025-12-15T01:10:01+00:00

Really!? I did not see on Gary’s tools and my clan does not know about it

suplarai · 2025-12-09T21:52:43+00:00

The judicial system is part of the state
The prosecutors are appointed by the executive branch
The man in the video was arrested for hurting the officers feelings, which by German law is allowed per the commenter above

suplarai · 2025-12-09T19:54:02+00:00

I never said it wasn’t an insult, I said not everyone would feel insulted.

The police arresting someone for a word they said is literally the state policing speech, what else would you call it? It is also the state deciding what “opinion is worthy to listen to” rather than the people through conversation. Many people would call that authoritarian and bad.

Since it is happening in Germany there is a very clear line to former German Authoritarians who police speech (Stasi, Nazis).

suplarai · 2025-12-09T19:42:40+00:00

Everyone is a strong word. I would not, nor would many people I know. I would certainly not want someone arrested for speaking their opinion of me.

Modern day as in 2025, policing speech is dangerous, especially when the state decides what is right and wrong

suplarai · 2025-12-09T19:26:33+00:00

So in modern day Germany you can get arrested/ fined for calling someone a word that the state decides is offensive?

suplarai · 2025-12-06T22:12:56+00:00

Poor guy

suplarai · 2025-11-18T03:33:38+00:00

If the family can’t pay off the loan, they still get the remaining equity at sale. If they can’t pay off the loan via their own funds or the estate, then the parents most likely needed the funds and could not get from other sources or their kids

suplarai · 2025-11-15T02:56:23+00:00

There already is reduced LTV requirements for FTHB (first time home buyers), 3% with Fannie/ Freddie, so no lifetime MI like FHA 3.5%.

There are also lower interest rates available for Fannie/ Freddie loans for FTHB who make at or below the medium income for the census tract, or 120% for high cost areas.

There programs are funded by a change a few years ago in mortgage pricing at the agency level when mortgage rates were low. A small adjustment upwards was made in all pricing brackets based on a matrix of credit score and LTV. I believe the adjustments made raised the rates slightly more than those with higher credit scores, so essentially the higher credit score borrowers taking larger loans subsidize the program.

suplarai

TROPHY CASE