#guaranteed savings plan

[financialinstruction]

Strategic Property Investment in Dubai for Expats: Financial Considerations and Long-Term Value

Dubai’s dazzling skyline, dynamic economy, and reputation as a global hub have long captivated expatriates seeking both lifestyle and investment opportunities. While many initially focus on stable, guaranteed financial products, such as a Guaranteed Savings Plan or a Guaranteed Retirement Plan, the emirate's real estate market offers a compelling avenue for significant wealth growth and long-term value creation. For expats, strategic property investment in Dubai is not merely about acquiring a physical asset; it's a calculated move that can powerfully integrate with broader financial goals, including Retirement Planning In Dubai and securing a Child Education Fund UAE.

Why Property Investment in Dubai Appeals to Expats

The allure of Dubai’s real estate market for international buyers stems from several key advantages:

Tax Efficiency: One of the most significant draws is the tax-friendly environment. Dubai boasts no annual property taxes, no capital gains tax on resale, and no income tax on rental yields. This allows for greater net returns and accelerated wealth accumulation, making it a compelling alternative to investing solely in a Guaranteed Savings Plan which might offer lower yields.

Strong Rental Yields and Capital Appreciation: Dubai has consistently demonstrated robust rental yields, especially in key areas. As of mid-2025, typical gross rental yields for residential properties can range from 5% in luxury segments to 8-9% in popular mid-market areas like Jumeirah Village Circle (JVC) and International City, and even up to 11% in some high-demand communities like Dubai Investment Park (DIP) and Town Square. This strong income stream can be a valuable supplement to an Education Saving Plan or a Retirement Savings Plan. Furthermore, the market has seen consistent capital appreciation; residential prices rose by approximately 5.6% year-over-year in Q1 2025, with villas leading the growth at 7.9% and apartments at 4.2%. Some reports indicate an overall property price increase of 24.7% since May of the previous year, with further moderate growth predicted for the rest of 2025 (up to another 10%).

Visa Benefits: Property ownership can offer direct pathways to long-term residency visas, including the popular Golden Visa (for investments of AED 2 million or more) and a 2-year visa (for investments of AED 750,000 or more). This provides significant stability and flexibility for expats looking to establish deeper roots.

Economic Stability and Growth: Dubai's economy is diversified, resilient, and continuously growing, supported by massive infrastructure projects, a booming tourism sector, and government initiatives to attract foreign investment and talent. This creates a stable environment for real estate values.

Globally Connected Hub: Dubai’s strategic geographical location, world-class infrastructure, and status as a global business and tourism hub ensure continuous demand for residential and commercial properties.

Financial Considerations Before Investing

While attractive, property investment in Dubai requires careful financial planning. Expats must factor in all associated costs and financing options:

Upfront Costs:

Down Payment: For expats, the typical minimum down payment is 35% for properties under AED 5 million. For properties above AED 5 million, it's 40%. Some off-plan developers might offer more flexible payment plans starting with a lower initial percentage (e.g., 10-20%).

Dubai Land Department (DLD) Fees: A significant one-time cost, this is 4% of the property's purchase price, plus an administrative fee (e.g., AED 580 for apartments and offices, AED 40 for off-plan). While legally split 50/50 between buyer and seller, in practice, the buyer often bears the full 4%.

Property Registration Fee: For properties valued below AED 500,000, it's AED 2,000 + 5% VAT; for properties above AED 500,000, it's AED 4,000 + 5% VAT.

Agency Fees: Typically 2% of the purchase price + 5% VAT.

No Objection Certificate (NOC) Fee: Paid to the developer by the seller to facilitate the transfer, usually ranging from AED 500 to AED 5,000.

Trustee Office Fee: Around AED 4,000 (for properties valued below AED 500,000) or AED 8,000 (for properties valued above AED 500,000).

Mortgage Registration Fee (if applicable): If financing, this is 0.25% of the loan amount + AED 290.

Bank Processing Fee (if applicable): Typically 1% of the loan amount + 5% VAT, though this can vary between banks.

Property Valuation Fee (if applicable): Ranges between AED 2,500 and AED 4,000 + 5% VAT, charged by the bank.

In total, expect upfront costs to range between 7% and 10% of the property value in addition to your down payment.

Ongoing Costs:

Service Charges: Annual fees paid to the Dubai Land Department (DLD) based on the RERA Service Charge and Maintenance Index, covering communal area upkeep (e.g., elevators, landscaping, security, pools). These can range from AED 3 to AED 30+ per square foot annually, depending on the community and property type. Luxury areas like Downtown Dubai or Palm Jumeirah generally have higher service charges (e.g., Burj Khalifa at AED 67.88 psf). Mid-market areas like JVC average AED 13-22 psf, and villa communities typically range from AED 2-6 psf.

Maintenance and Repairs: Budget for unforeseen repairs.

Insurance: While not always mandatory, home and contents insurance is highly recommended (approx. AED 1,000 per year). Life insurance is typically mandatory when taking out a mortgage (approx. 0.4-0.8% per annum on the decreasing loan balance).

DEWA (Dubai Electricity and Water Authority) Bills: Utilities.

Property Management Fees: If you plan to rent out the property, a property management company will charge a percentage of the rental income (typically 5-10%).

Financing Options (Mortgages for Expats):

Major local and international banks in Dubai offer mortgages to expats.

Loan-to-Value (LTV) Ratios: For expats, the maximum LTV is typically 65% for a first property under AED 5 million, and 60% for a first property above AED 5 million. Second properties have lower LTVs.

Interest Rates: Mortgage interest rates are variable and linked to the Emirates Interbank Offered Rate (EIBOR), plus a margin. Rates can fluctuate, so understanding the terms is crucial.

Eligibility: Banks typically require a minimum salary, a good credit history, and stable employment.

Currency Considerations: The AED is pegged to the USD, offering currency stability. However, international buyers need to factor in potential currency exchange costs when transferring funds from their home country.

Types of Property Investment for Expats

Dubai offers a diverse range of property types, each with its own investment profile:

Residential Property:

Apartments: Generally offer higher rental yields, especially smaller units (studios and 1-bedrooms), and are more liquid. Popular areas include Dubai Marina (median price AED 2.1 million), Downtown Dubai (median price AED 3.4 million), Business Bay (median price AED 1.8 million), JVC (average AED 850/sq ft), and Dubai Silicon Oasis.

Villas/Townhouses: Offer greater capital appreciation potential, often favored by families. Prime villa communities like Palm Jumeirah (median price AED 8.2 million, luxury villas AED 25M+), Dubai Hills Estate (median price AED 3.7 million), Arabian Ranches, and Emirates Hills have seen significant value increases. While yields might be slightly lower than apartments (e.g., 4-6%), the capital growth can be substantial. Average villa prices (3-5 bedrooms) range from AED 2.5 million to AED 8 million, with luxury villas exceeding AED 25 million.

Off-Plan vs. Ready Property:

Off-Plan (Under Construction): Often comes with attractive payment plans (e.g., 50/50 or 60/40 during construction/on handover), allowing buyers to spread payments. It offers the potential for significant capital appreciation before completion, sometimes 10–15%. However, it carries developer risk, construction delays, and rental income is not immediate. As of April 2025, off-plan sales dominate at 70.5% of total sales.

Ready Property: Provides immediate rental income and allows for physical inspection before purchase. While the upfront payment is larger, it offers quicker returns and less uncertainty regarding completion.

Commercial Property: While potentially offering higher yields, commercial investments (offices, retail, industrial units) typically require larger capital outlay, have more complex lease agreements, and are subject to different market dynamics and tenant profiles. They are generally suited for more experienced investors.

Strategic Value and Long-Term Considerations

Integrating property into your financial portfolio means more than just buying a house; it’s about aligning it with your long-term financial strategy.

Location is Key: Research is paramount. Areas close to business hubs, schools (especially for those planning for a Kids Education Plan or needing a property for their own family), metro stations, and key attractions tend to offer better rental demand and capital appreciation. Prime locations like Palm Jumeirah and Downtown Dubai command higher prices but offer strong capital gains, while emerging areas like JVC, Al Furjan, and Dubailand offer more affordable entry points with competitive yields.

Purpose of Investment: Clearly define your objective. Are you seeking consistent rental income to supplement a Retirement Savings Plan or fund Dubai Education Savings Plans? Or is your primary goal capital appreciation as part of a long-term wealth accumulation strategy? This clarity will guide your property choice and risk appetite.

Market Cycles: Dubai's property market, like any other, goes through cycles. While the current outlook for 2025 remains positive with continued moderate growth, understanding historical trends and future supply-demand dynamics is crucial. Government initiatives and infrastructure projects often underpin long-term growth.

Diversification of Your Overall Portfolio: Property in Dubai can be an excellent diversifier. While a Guaranteed Savings Plan provides stability and a Guaranteed Retirement Plan offers predictability, real estate provides tangible asset ownership with the potential for both income and capital growth, often uncorrelated with stock market movements. This balanced approach is crucial for comprehensive Retirement Planning In Dubai and robust Child Education Planning In Dubai. Rental income from a strategically chosen property could directly contribute to a Guaranteed Kids Education Plan or significantly boost an Education Savings For Expats In Dubai.

Integrating Property with Overall Financial Planning

For expats, property investment in Dubai is not an isolated decision but an integral part of a holistic financial strategy.

Cash Flow Management: If you plan to rent out your property, the rental income can provide a stable cash flow. This income can be channeled into an Education Saving Plan to fund future school fees, or contribute directly to your Retirement Savings Plan, reducing reliance on active income in later years.

Asset Growth for Future Goals: The capital appreciation from your property can significantly boost your overall net worth, providing a substantial asset base for large future expenses, such as funding a Child Education Fund UAE or supplementing your retirement corpus alongside a Guaranteed Retirement Plan.

Leveraging Mortgage for Growth: While a mortgage incurs interest, it allows you to leverage a smaller initial capital outlay to control a larger asset. If property appreciation and rental yields outweigh mortgage costs, this leverage can accelerate wealth creation.

The Indispensable Role of a Financial Planning Advisor

Given the complexity and significant capital involved, engaging a qualified Financial Planning Advisor is highly recommended for expats considering property investment in Dubai. An advisor can:

Assess Affordability: Help you understand the total costs involved and how property investment fits into your overall budget, ensuring it doesn't jeopardize other crucial financial goals, such as maintaining a Guaranteed Savings Plan or your existing Kids Education Plan.

Holistic Portfolio View: Integrate property investment into your broader financial plan, considering its impact on your liquidity, risk profile, and long-term objectives like Retirement Planning In Dubai and Education Savings For Expats In Dubai.

Connect with Experts: Facilitate connections with trusted real estate agents, mortgage brokers, legal professionals, and property management companies who specialize in expat property transactions in Dubai.

Risk Mitigation: Help you understand market risks, legal nuances, and the implications of off-plan purchases versus ready properties.

Future Planning: Ensure your property investment aligns with your long-term residency plans, potential repatriation, and estate planning considerations.

Conclusion

Strategic property investment in Dubai offers expatriates a compelling avenue for wealth creation, providing both steady income streams and significant capital appreciation potential. Its tax efficiencies, robust market fundamentals, and lifestyle benefits make it an attractive proposition. However, success hinges on a thorough understanding of the financial commitments, a clear vision for the investment’s purpose, and integration into a comprehensive financial plan. By carefully considering all financial implications and seeking expert guidance, expats can leverage Dubai's dynamic real estate market not just to own a piece of this vibrant city, but to build a powerful foundation for their long-term financial security and prosperity, complementing and enhancing the stability offered by their Guaranteed Savings Plan and other essential financial provisions.

[nargis04shaikh]

Loan Facility of the HDFC Life Guaranteed Wealth Plus Plan: Financial Flexibility with Assured Growth

In the world of financial planning, it’s not just about saving for the future—flexibility during emergencies also matters. That’s where the loan facility under the HDFC Life Guaranteed Wealth Plus Plan comes into play.

Designed to offer guaranteed returns and financial security, this plan is more than just a savings tool. It allows policyholders to take a loan against the policy, offering financial liquidity in times of need—without surrendering the benefits.

Let’s understand how the loan facility works and how this plan fits within the broader landscape of HDFC Life Insurance Plans.

What is HDFC Life Guaranteed Wealth Plus Plan?

HDFC Life Guaranteed Wealth Plus Plan is a non-participating, non-linked, savings insurance plan. It offers guaranteed benefits and life cover, making it a preferred choice among those seeking secure returns.

This plan is also known as an HDFC Guaranteed Return Plan, ideal for individuals who prefer guaranteed maturity benefits with minimal risk.

Key Benefits:

Guaranteed lump-sum benefits at maturity

Life cover throughout the policy term

Loan facility available

Tax benefits under Sections 80C and 10(10D)

Hassle-free online insurance HDFC Life process

Loan Facility under HDFC Life Guaranteed Wealth Plus Plan

The loan facility lets policyholders borrow a certain percentage of the surrender value of the plan. This ensures that you don’t have to break the policy or lose long-term returns during financial emergencies.

✅ Ideal for short-term liquidity needs like medical emergencies, fees, or debt repayment.

Why Choose This Plan for Loan Benefits?

This plan not only ensures guaranteed income but also provides the flexibility to borrow against the policy during its term. Compared to unsecured personal loans, HDFC Life policy loans offer:

Lower interest rates

No credit check

Faster disbursal

No asset collateral required

So, if you’re looking for a money-back policy with liquidity benefits, this is a solid option.

How to Avail Loan from HDFC Life Guaranteed Wealth Plus Plan?

You can easily apply for a policy loan through HDFC Life online insurance services.

Steps:

Visit the official HDFC Life Insurance portal

Log into your policy account

Navigate to "Policy Loan Services"

Select your HDFC Guaranteed Return Plan

Enter the desired loan amount

Submit KYC and bank details

Loan disbursal happens within a few working days

Other HDFC Life Insurance Plans List for Comparison

If you’re exploring more HDFC Life Insurance Plans, here are a few worth considering:

HDFC Life Guaranteed Savings Plan – For secure long-term savings

HDFC Life Sanchay Plus – High guaranteed benefits, no market risk

HDFC Life Click 2 Protect Life – Term plan for pure protection

HDFC Life ClassicOne – Joint life cover with benefits for both spouses

HDFC Life Click 2 Wealth – ULIP plan with investment options

Each of these plans comes with detailed HDFC Life policy details and can be compared using the HDFC Life Insurance Plans List on the official website.

Why HDFC Life?

With a trusted legacy and wide range of offerings, HDFC Life Insurance caters to every life stage. Whether it’s a guaranteed savings plan, a money-back policy, or a comprehensive life cover, HDFC Life delivers value with innovation.

By offering loan facilities, it ensures that policyholders enjoy financial flexibility without surrendering the policy—a much-needed feature in today's unpredictable world.

Final Thoughts

The loan facility under HDFC Life Guaranteed Wealth Plus Plan is an ideal option for those seeking a secure savings product that also supports emergency liquidity needs. As an HDFC Guaranteed Return Plan, it offers dual value: wealth creation and borrowing power.

[inkbeans]

Anaxagoras in the 3.2 story really just was like:

Step 1: commit blasphemy

Step 2: die

Step 3: ?????

Step 4: Profit!!!!

This man is driving me crazy

[jakeperalta]

one thing about me is I am probably the world number one user of the sticky notes windows app. mapping out the scenes/text for a gifset? sticky notes. to do list at work? sticky notes. planning a holiday? sticky notes. need to jot down a confirmation number? sticky notes.

[clumsypuppy]

i feel like im not making any sense but does anyone else feel like there are stories that let u run with them and ones that spell everything out for you

[12am-motivation]

it's about time to give up isn't it

[quietwingsinthesky]

Lucy lives!au where both lucy and desmond are tensely sitting on the fact that Clay Told Desmond She Is A Templar and neither of them know how to approach this without outing that fact to everyone (Desmond does not want his dad to kill her)

OUGHHHH.

and the way it completely flips the little power dynamic they had going on. because whether desmond likes it or not, whether he wants it or not, lucy's life is now completely at his mercy. one wrong word and. well. they're called assassins for a reason. and while i think there's multiple stories in the series of assassins becoming templars, there's basically none about templars becoming assassins (or assassins again) which tells you about all you need to know about how willing they'd be to let a "traitor" back into their little gang.

and that's just got to feel terrible, right? especially now that desmond knows. if he can just read between the lines of what lucy has told him about vidic from her perspective, what clay has shown him about how she was turned. terrible awful moment of realizing that it's playing out all over again; only now lucy owes her life to him for not giving her over to the assassins. i don't think desmond would like that at all.

and like. to me there is zero question that part of the reason lucy latched onto desmond more than she was probably supposed to according to the whole templar double-agent plan was that he was someone she had a modicum of control over. she was very much in control of the flow of information to him, he owed her for getting him out of abstergo, and in all likelihood, she probably intended to protect him from them as best he could (a track record which does not reflect well on her! considering what happened to clay! but i really do think she intended to.)

so, that is gone. not only is that gone, but her world's been up-ended, again. she's not a quite a templar, not quite an assassin, and oh, right, the sun is still going to explode, and they barely know how they're going to stop it. desmond was in a coma for who knows how long, and now he looks at her different. he knows. and now they're all going to be in close proximity with his dad and her mentor who will not risk the whole world for either of them, shaun's still being twitchy about 'what if desmond was a templar spy' with no idea how close and how far off that assumption is, and there's also that fucking alien isu ghost lady who tried to kill her through desmond! not a fun time for lucy, all things considered.

and like despite that, i think the old dynamic they had still remains. desmond relies on lucy. she's now proven that she's a completely unreliable anchor to reality, but still, she's the one he's got. they started this animus shit together; they're gonna finish it together. lucy is still trying to pull the incredible balancing act of pushing desmond far enough to get what they need without breaking him entirely, something that's getting harder and harder by the day because like. three. well, no, four, huh. haytham, too. so four memory dives in, there's... if not damage, then a disconnect. between desmond and reality. that can't be undone, only managed.

everything that happens already leaves their little team so isolated from the outside world, but alsjdlksa i fucking love the idea of lucy & desmond being even isolated from the other assassins. terrible secret gang.

[saruside-01]

I just saw phainon leaks… why am I so late I totally forgot about that 😭😭😭

okay but srs he look so so sooooo good and ngl if I were the enemy I’d running for my life bcs why is his gameplay so… aggressive? Ig that’s the right word

and why does he turn into a blonde

[mymarifae]

oh yeah did you guys know that the official hsr twitter accidentally posted this cutscene art

with, uh, this guy's sword in the background

and that sword also very much appears to be the sword that killed cyrene

and it also happens to look like, uh. phainon's sword. haha

i don't know how many concrete conclusions i want to draw from all of this but man. isn't that something to think about

[financialinstruction]

Navigating Estate Planning and Will Writing for Expats in Dubai: Securing Your Legacy Across Borders

Dubai, a dynamic global metropolis, continues to attract a vast and diverse expatriate community seeking unparalleled professional growth and a high quality of life. While many expats meticulously plan their careers and financial investments, a critical aspect of holistic financial strategy that is often overlooked is estate planning and will writing. Without a legally valid and properly registered will in the UAE, expats run the significant risk of having their locally held assets distributed according to default laws that may starkly contradict their personal wishes or the inheritance laws of their home country. This oversight can lead to immense distress, prolonged legal battles, and financial hardship for grieving families.

For those building their lives and investing in the UAE, a clear understanding of the evolving landscape of local inheritance laws and the available mechanisms for securing one’s legacy is not just beneficial, but absolutely paramount. This comprehensive article will delve into the essential facets of estate planning for non-Muslim expats in Dubai, underscoring how a professionally drafted and registered will, often supported by a trusted Financial Planning Advisor, can provide profound peace of mind and ensure your intentions for your legacy are honoured across international boundaries.

The Default Position: Understanding UAE Inheritance Laws Without a Will

Historically, the absence of a legally recognized will in the UAE meant that Sharia law (Islamic law) would, by default, govern the distribution of assets for individuals upon their passing, regardless of their religious affiliation or nationality. Sharia law prescribes specific, fixed shares for various family members, which often diverged significantly from common law inheritance principles found in Western countries or an individual's personal desires. For non-Muslim expats, this could lead to unintended consequences, such as:

Asset Distribution: A spouse might not inherit the entire estate, and children’s inheritance proportions could differ based on gender. This often contrasted sharply with the common expectation of assets passing solely to the surviving spouse.

Guardianship of Minor Children: Without a will, UAE courts would typically appoint a temporary guardian for minor children. This appointment might not align with the deceased parents' preferences, potentially leading to children being placed in unexpected care arrangements or even being sent to a home country with relatives not intended by the parents.

Frozen Assets: Upon death, individual and even joint bank accounts can be immediately frozen by banks until a court order is issued, pending the resolution of the estate. This can leave dependents without immediate access to vital funds for daily expenses, causing significant financial strain.

Lengthy Probate Process: The process of settling an estate without a will can be protracted, complex, and costly, drawing out the period of uncertainty and emotional difficulty for grieving family members.

Recent Reforms: Empowering Non-Muslim Expats with Greater Control

In a progressive move to accommodate its diverse expatriate population, the UAE has implemented significant legal reforms that grant non-Muslim expats much greater testamentary freedom. Federal Decree-Law No. 41 of 2022 on Civil Personal Status for Non-Muslims, which came into force on February 1, 2023, has fundamentally reshaped the landscape of estate planning for non-Muslims.

This landmark reform allows non-Muslim expatriates to explicitly choose to have the laws of their home country applied for the distribution of their assets in the UAE, provided they have a valid, registered will that clearly stipulates this choice. This is a monumental shift, enabling expats to bypass the default application of Sharia principles.

In the absence of such an explicit will, the new default position under Decree-Law No. 41 of 2022 for non-Muslims dictates a more civil law-aligned distribution:

Half of the inheritance goes to the surviving spouse.

The other half is equally divided among children, without distinction between males and females.

If there are no children, the estate devolves to the parents equally.

If no parents, the estate is equally divided among siblings.

While this new default provides a more familiar framework than traditional Sharia law, it still might not perfectly align with every individual's specific wishes. For instance, if an individual desires to leave assets to non-family members, specific charities, or to distribute assets in unequal proportions among heirs, a legally registered will remains absolutely essential to ensure those precise intentions are honoured.

Key Avenues for Will Registration in the UAE for Non-Muslim Expats

For non-Muslim expatriates seeking to definitively secure their legacy in Dubai and across the broader UAE, several key options are available for formal will registration, each offering distinct advantages:

The Indispensable Role of a Financial Planning Advisor

While the drafting and registration of a will are legal processes best handled by qualified legal professionals, a trusted Financial Planning Advisor plays an absolutely crucial and complementary role in your broader estate planning journey:

Holistic Financial Assessment: Your advisor helps you conduct a thorough inventory of all your assets (both in the UAE and internationally), liabilities, and existing financial arrangements, including your Retirement Savings Plan, any Dubai Education Savings Plans, or Education Savings For Expats In Dubai. This comprehensive view ensures nothing is overlooked.

Goal Clarification and Alignment: They work closely with you to articulate and clarify your ultimate intentions for asset distribution, guardianship, and any specific charitable giving, ensuring that your will is a direct reflection of and perfectly aligns with your overall financial and personal life goals.

Facilitating Expert Legal Connections: Your advisor can act as a crucial bridge, connecting you with reputable, specialized legal professionals in the UAE who possess in-depth expertise in expat wills and estate planning. They ensure the legal document is expertly drafted and registered in the most appropriate avenue for your unique circumstances.

Integrating Estate Planning with Your Financial Strategy: A good advisor ensures that your will is not merely a standalone legal document but an integral and harmonious component of your comprehensive financial strategy. This means it works seamlessly with your investment portfolios, Guaranteed Savings Plan, insurance policies, and Retirement Planning In Dubai, creating a cohesive plan.

Regular Review and Updates: Life is dynamic, and circumstances constantly change (marriage, divorce, birth of children, acquisition of new significant assets like property or a new Kids Education Plan, changes in tax laws, or even shifts in your Education Saving Plan strategy). Your financial advisor will proactively remind you to regularly review and update your will to ensure it remains current, effective, and accurately reflects your evolving wishes and financial situation.

Conclusion

For expatriates in Dubai, estate planning and the creation of a legally sound will are not just administrative formalities; they are fundamental acts of love, foresight, and profound responsibility. They represent the definitive steps towards securing your legacy and safeguarding your family's future, ensuring their well-being even across the complexities of international borders. By understanding the continually evolving legal landscape, leveraging the specialized options provided by the DIFC Courts Wills Service or the ADJD Wills Registry, and partnering with a trusted Financial Planning Advisor like Magnus Advisory, you can confidently navigate these intricate processes. This proactive and comprehensive approach guarantees that your specific wishes are respected, your assets are distributed precisely as intended, and your loved ones are protected, ultimately providing you with invaluable and lasting peace of mind.

[hydrachea]

Lost my 50/50 at pity to E1 Gepard... But with this being the very next pull I can call 3.0 phase 2 a success nonetheless.

Feat. Tingyun, growing ever and ever stronger.

Tingyun, this is the equivalent of 3 whole E6 copies of you. I promise it's ok to stop coming home.

[shuhuflesh]

my current limited 5* collection is small but beloved... firefly boothill tribbie mydei castorice.... hopefully cipher and phainon to come. therta wouldve been part of the gang but clara arrived instead

[almea]

lmao my Hyacine pulls were so atrocious that it took 300 pulls to get E0S1. Clearly the universe had to correct itself after giving me E2S1 Castorice in 210 pulls.

[dearrafayel]

wtf just happened lmao

[ri-afan]

Me watching the boss take down the Help Wanted signs while knowing my coworker is going to resign in the morning:

[dip-the-pip]

I asked my one boss what the plan for me is next week when they go on a trip, since originally i was supposed to do cat care before the cat passed away, and my boss goes “oh, i thought you’d just plan holidays then instead” like sorry ma’am no. you don’t get to dictate my holidays just because you’re away and don’t need me on the trip