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Has anyone used Direct Wholesale Rates before?
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I've been searching online for most of today and can barely find any information about the mortgage broker, Direct Wholesale Rates, or the bank it's associated with, SNB Bank NA.
I am currently looking for a decent mortgage rate and have inquired about rates with them. I was sent numbers from their department and somehow they offer 5.25% with no points and 5095 in fees.
This sounds like a pretty good rate all things considered. Is this a legitimate lender? I can barely find any information about them.
Here is the link to the "wholesale lender": https://directwholesalerates.com/
Top Comment: Did you speak to a loan officer or receive an advertisement? Big difference. Sounds like a 15 year ad on a perfect scenario
First Direct has offered me a fixed rate of 6.04% fixed for 2 years. The variable rate is currently lower, so I can stay on that for up to 6 months before switching. In this climate, is 6% good?
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My current fixed rate has come to an end. It was around 2.3%. First Direct have now offered me 6.04% for 2 years but have drawn attention to the fact that the variable rate is currently lower than this, so I can choose to "lock in" the 6.04% now and stay on the variable, which is around 5%, for up to 6 months.
If I do nothing, they will automatically switch me to the 6.04% after 6 months.
I read this morning that BoE interest rates are about to go up again. Should I be happy with 6.04%? Is it likely to drop considerably any time soon?
Top Comment: The latest information about market expectations that I could find was on Ed Conway's twitter: https://twitter.com/EdConwaySky/status/1585986098727116800/photo/1 That implies base could rise to 4.75% Compare that to the BoE's MaPS survey which suggests respondents think it will rise to 3.5%: https://www.poundsterlinglive.com/economics/17563-bank-of-england-interest-rate-policy-and-market-expectations-for-bank-rate That's as close as I can get to giving you a definitive answer, right now surveys and markets think that the rate will go up, not down, but that will already be baked into your fixed rate quote. The question is, do you think that the rate you're being offered is good? If you think base will reach 4.75% do you think it'll stay there for a long period of time? If so, do you think that Base + 1.29% is a good price for a mortgage? If you think base will rise to 3.5% and not go higher, do you think base + 2.59% is a good price for a mortgage? It's up to you to make that assessment. And you should speak to a broker to see if there's a better rate available to you in the market. For what it's worth, on moneyfacts there are rates that are between 5.5-6% available so it's probably not the best rate on the market: https://moneyfacts.co.uk/news/mortgages/best-uk-residential-mortgage-rates-this-week/ Whether they're right for you though is another matter which is why you should speak to someone like L&C.
NS&I Premium Bonds prize fund rate increase to 3.30% and increase in rates to 2.85% for Direct Saver and…
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NS&I Premium Bonds fund rate increase to 3.30% and increase in rates to 2.85% for Direct Saver and Income bonds:
https://nsandi-corporate.com/news-research/news/nsi-gives-valentines-day-boost-savers#
Top Comment:
Is this now the third month In a row they've increased premium bonds for higher amount?
EQ Bank *increases* interest rate to 4% with direct deposit : PersonalFinanceCanada
Main Post: EQ Bank *increases* interest rate to 4% with direct deposit : PersonalFinanceCanada
Direct drive flow rate
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Hey all, I recently upgraded to direct drive and since I had no way to access the Bowden tube for maintenance I decided to add TH3D’s titanium heat break, which basically converts my stock hot end to all metal.
With this part installed, I’ve had to lower my temperature to 192 and flow rate to ~85% in order to stop stringing and oozing. the reason I’m worried about this is because of lower part strength resulting from the lower flow and temperature. I’ve also got linear advance enabled so my retraction is only .25mm. I’ve tried bumping that up to even 1mm but it only makes the stringing and oozing worse (see pictures https://imgur.com/gallery/2lDs3bP)
Yes I’ve auto tuned my PID settings, and my esteps are spot on. Is it normal to have to lower my temp and flow rate so much to stop stringing?? I’ve always heard that with metal hot ends you need to bump up the temperature instead of lowering like I am.
For reference I’m using MH Build pla, which I’ve noticed likes slightly lower temps anyway, but this seems a bit extreme.
Any advice would be great!
Top Comment: .25mm retraction? As in 1/4 of 1mm? I've never seen it that low before. I have doubts that it would do anything useful, but I could be wrong.
Do Tanks and Healers use Direct Hit Rate?
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Hey,
kind of a silly question, but I haven't played in like forever and was wondering if Tanks and Healers actually use (trough Materia?) the Direct Hit Rate stat?
If not, I guess it is safe for me to remove that whole column for these roles on my site?
Cheers! Ari
Top Comment: Pld and Drk use direct hit to squeeze out more dps. War wants to avoid it since inner release is guaranteed DH so crit is much better for them. Healers can use direct hit but it only applies to damage spells. Direct hit can't trigger on heals so its use is much less (from what i understand). Haven't played a lot lately so my info is slightly dated but from what I've read it still holds up.
How do you price your rates with direct clients?
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I've been trying to find a good pricing structure for my fees when I work with direct clients/corporate clients i.e, not language agencies, but I'm not sure if I'm pricing myself too low.
Currently, my fee for these types of clients is 0.15 USD. One of my mentors said it should be 0.24 USD per word, but I'm not sure that I can command such a large fee in such a competitive economy. I landed on my 0.15 by (almost) doubling my average agency rate of 0.08.
Those of you who work with direct clients:
- Do you have a set fee, and do you allow some wiggle room for negotiation?
- If you feel comfortable sharing, what is your fee, and how did you decide on it?
Top Comment:
I don't think having a set rate for all clients is standard practice for freelance translators. As far as I'm aware, rates are set on a client to client basis. You have to look at the text (or an extract), set the delivery dates and conditions, and then set the rate.
Regarding your rate, it depends on your language combination. Proz has standard rates for most language combinations, maybe you can check there. If you think you can't charge that much and stay competitive, start with the most amount you can get away with, and then with time start to wean off your low paying clients with new higher paying ones.
Is there a difference between Enmax, direct energy, and ATCO? Does one offer better service or rates than the other?
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Moving homes and never really put too much thought into it but was hoping someone around here had some thoughts. Thanks!
Top Comment:
Thanks for the info! I am lazy and like the one payment source over marginal savings. What is the usual turn around time for a new service agreement to getting service?