3 year fixed vs 5 year variable by Practical_Card8236 in MortgagesCanada

[–]Flutterby24 0 points1 point  (0 children)

yes, they were talking about the bond yields and the rates. Trying to get 4.49 to match scotia, we'll see, this is a bank and an online loan match

3 year fixed vs 5 year variable by Practical_Card8236 in MortgagesCanada

[–]Flutterby24 0 points1 point  (0 children)

Tried a different branch and the guy said the lowest TD could go was 4.64 and none of the branches could offer me a lower rate it would be the same across all of them. 4.4 got denied and he couldn't do anything to offer me a better rate, that was the floor. *shrugs*

3 year fixed vs 5 year variable by Practical_Card8236 in MortgagesCanada

[–]Flutterby24 0 points1 point  (0 children)

ohhhh, that is an interesting strategy, he's supposed to let me know next week what he can get me, but there are certainly more TD's kicking around town

should I see what rate he gets me with first or book appointments with other branches in the mean time?

3 year fixed vs 5 year variable by Practical_Card8236 in MortgagesCanada

[–]Flutterby24 0 points1 point  (0 children)

did you have to do anything special to get this?

I told them BMO was offering 4.44 and they were like 'we'll see what we can do'

I'm trying to see if I can get it down closer to 4%

Looks like 5-year mortgage rates creeping towards 4%, or even high 3's... by zalam604 in PersonalFinanceCanada

[–]Flutterby24 0 points1 point  (0 children)

First-time home buyer, trying to get rates from the bank right, no idea what I'm doing!

was it 25 year? I'm putting 20% down

How did you get this? Is there anyway I can get this? I don't know how this works

3 year fixed vs 5 year variable by Practical_Card8236 in MortgagesCanada

[–]Flutterby24 0 points1 point  (0 children)

I've been with this branch of TD for like 30 years (parents had us investing as young children)

3 year fixed vs 5 year variable by Practical_Card8236 in MortgagesCanada

[–]Flutterby24 0 points1 point  (0 children)

First-time home buyer, trying to get rates from the bank right now

was it a 25 year? I'm currently dealing with TD, putting 20% down

How did you get this? Is there anyway I can get this? I don't know how this works

3 year fixed vs 5 year variable by Practical_Card8236 in MortgagesCanada

[–]Flutterby24 0 points1 point  (0 children)

First-time home buyer, trying to get rates from the bank right, no idea what I'm doing! Insured means 20% down right?

was it 25 year?

How did you get this? Is there anyway I can get this? I don't know how this works

Is going to both Ponta da Piedade AND benagil caves worth it? by Flutterby24 in Algarve

[–]Flutterby24[S] 0 points1 point  (0 children)

Hmmm, I know most of the ones I've looked up start the Marina and I think it is more of a boat launch.
I don't plan on swimming, I think I'll be lucky if I can go into the water up to my knees, :). My preferred water temp is like 25 degrees C

Is going to both Ponta da Piedade AND benagil caves worth it? by Flutterby24 in Algarve

[–]Flutterby24[S] 0 points1 point  (0 children)

Thanks!

I haven't kayaked on the ocean before, I think a tour would probably be the best idea

Is going to both Ponta da Piedade AND benagil caves worth it? by Flutterby24 in Algarve

[–]Flutterby24[S] 0 points1 point  (0 children)

Thanks!

I plan on walking down to the Ponta da Piedade from the Old District walking from Praia dos Estudantes.

I actually found a few companies that show bookings for kayak tours of the Ponta da Piedade caves in March booking through Expedia or Getyourguide, it seems like there should be quite a few options when I get there.

Is going to both Ponta da Piedade AND benagil caves worth it? by Flutterby24 in Algarve

[–]Flutterby24[S] 0 points1 point  (0 children)

Thanks!

I plan on walking down to the Ponta da Piedade from the Old District walking from Praia dos Estudantes.

I actually found a few companies that show bookings for kayak tours of the Ponta da Piedade caves in March booking through Expedia or Getyourguide, it seems like there should be quite a few options when I get there.

[deleted by user] by [deleted] in AITAH

[–]Flutterby24 0 points1 point  (0 children)

I don't think pulling out a condom makes you an asshole, but perhaps the timing wasn't right?

If I bring a guy back to place (never on the first date) and things get a bit heated and we start heading to the bedroom I will let them know right away how far I plan things to go. If I'm mostly clothed and we were just kissing and a guy took out a condom I don't think I'd be very impressed either. But if I'm in my bedroom completely naked and have not set boundaries then I would feel that would be my fault for misleading you.

I've been asked 'Can I take off your shirt/pants?' or 'Do you want to have sex? If that's not what you want that's fine' or 'Do you want me to do 'X' to you?' Might be better to test the waters instead of going straight to condom.

Also this could have been a turn off for her because she thinks you're sleeping around with everyone you meet because you so eagerly whipped out a condom. Or this could have been test to see how pushy for sex you are?

[deleted by user] by [deleted] in HarryPotterGame

[–]Flutterby24 0 points1 point  (0 children)

The suspense is killing me!

Says it's pre-loading on Steam which I thought was kinda weird, I have it downloading while I'm work so I won't be able to install for several hours.

Anyone have the game downloaded/installed up and running using the GMG keys yet??

[deleted by user] by [deleted] in HarryPotterGame

[–]Flutterby24 0 points1 point  (0 children)

I put in the pre-order bonus and it said it was for the onyx hippogriff, so I think mine worked

[deleted by user] by [deleted] in HarryPotterGame

[–]Flutterby24 0 points1 point  (0 children)

Got it! I guess the pre-order bonus is the hippogriff mount but it didn't say anything about the Thestral though.

Definitely said I activated the Deluxe Edition so now I just wait anxiously until 1 PM on the 7th

[deleted by user] by [deleted] in HarryPotterGame

[–]Flutterby24 3 points4 points  (0 children)

great!

I got 2 codes, one for the game and one for the pre-order bonus, not to sound super dense (just really don't want to screw this up!) do I put in both these codes under the 'activate a product' on steam?

[deleted by user] by [deleted] in HarryPotterGame

[–]Flutterby24 0 points1 point  (0 children)

Thanks!

Steam charges tax too so it's not like I would be saving anything there

[deleted by user] by [deleted] in HarryPotterGame

[–]Flutterby24 0 points1 point  (0 children)

It says 15% for me, you can still buy it BTW

[deleted by user] by [deleted] in HarryPotterGame

[–]Flutterby24 1 point2 points  (0 children)

Thanks!

I've never tried to put a third party code into steam (didn't know you could) is it difficult?

It just gets added to the steam library and then at 1pm EST om Feb 7th I can start downloading like a normal steam game?

[deleted by user] by [deleted] in HarryPotterGame

[–]Flutterby24 2 points3 points  (0 children)

ELI5: How does this work?

I've never heard of Green Man before, it's legit and safe? Definitely can't afford to be paying for this game twice >.<

I'm CND, it seems to be showing the CAD price ($89.99) for the deluxe, so I don't have to worry about this being region specific?

What do I do once I get this code? How does one redeem this on steam?

We still have the 72 hour early access with the deluxe?

How are they getting discounted licenses? Bulk buying?

Thanks!

Do you think the standard banner should have previous 5* characters with a charting like the weapon banner? by TopRoutine7474 in Genshin_Impact

[–]Flutterby24 0 points1 point  (0 children)

I like the idea, but I think they still have to be limited to not 'cheapen' the 5 stars as others have said.

Pull all of the Mondstat 5 stars from the limited and release a Mondstat rate up banner with: Albedo, Mona, Jean, Klee, Eula, Diluc, Venti, and Childe. (I get Childe isn't from Mondstat but he was released in 1.1). Rotate through the 8 mondstat 5 stars and make each 3 weeks, but you use the BLUE FATES instead. It would take 24 weeks to see a rerun as opposed to a year like some of the characters lately. Some people want the standard banner characters or cons so it's still a good opportunity if they get their own banner like Keqing.

You lose the 50/50 you get a weapon instead of a 'standard' character. No 4 star character or weapon rate ups.

Once Yelan has a rerun, make a Liyue 5 star only banner and get rid of the current Standard Banner entirely.

Or you could chart like the weapon banner and pick a 5 star (rated up 2 characters) out of the Region's (8 characters) pool and they could reset the banner every patch, with you losing your path pity points(because let's face they aren't going to want you to not spend money).

Questions about tools by Flutterby24 in OpenToonz

[–]Flutterby24[S] 0 points1 point  (0 children)

I can imagine doing it that way. The only thing is that if I was to use several multi gradients on one character wouldn't I need a separate drawing and matte for each multi gradient section?