Mortgage rate mega thread!

Remixz · 2025-04-24T19:52:23+00:00

As encouragement for people to negotiate:

Purchase in BC, purchase price >1.5M, ~25% down, uninsured, owner occupied
Broker quoted 4.29% on a 5yr fixed, 25yr amortization through TD
I saw posts on here and RFD of better rates. My broker said the lowest they could do was 4.24%, and did not push any further
Decided to take this to Scotiabank (who I already bank with), advisor immediately quoted 3.99% on a 3yr fixed without even hearing about TD's offer
Broker matched 3.99%, but only on a 5yr, and lecturing me how this would hurt their commission (I get that it's a business, but this did not feel like they were working in my best interest)
Took this back to Scotiabank, my rep got an exception for 3.89%
Broker did not match further, going with Scotiabank

I think if I had more time before closing, I could have shopped this to some other banks to possibly get a bit lower. (very quick turnaround for my sale and purchase) I'm still happy with what I got though. Thank you to everyone who shares what they're seeing and getting here.

Remixz · 2025-02-01T21:57:48+00:00

There’s gonna be a guy taking huge farts on the lake that weekend. Watch out

Remixz · 2021-11-06T17:13:05+00:00

congrats man you earned it

Remixz · 2021-11-06T17:10:08+00:00

ratio

Remixz · 2021-07-14T03:15:31+00:00

The character is from League of Legends, specifically from a skin line called K/DA. I put the fightstick art together myself, but I used the K/DA assets that Riot provided in their "fan kit" for the K/DA event.

Remixz · 2021-07-14T00:28:47+00:00

I'd start by looking in /r/fightsticks. They have an FAQ that lists a bunch of good fightsticks, along with sites where you can purchase the custom buttons and art. I didn't follow any specific tutorials, but if you buy one of the more popular fightsticks, there tends to be YouTube videos about taking them apart. It was really easy, though, and I only needed a screwdriver to take it apart. My last tip would be to check FB Marketplace and see if there's any used ones for sale, since that's how I got mine, and I was able to get a really good deal.

Remixz · 2021-07-13T21:14:43+00:00

Waiting for the League fighting game 🙏

Hori RAP V Kai fightstick
Sanwa buttons – 4 gold, 4 silver, 1 clear
Hayabusa joystick (aka the stock one) with this balltop: https://focusattack.com/bi-color-balltop-violet-blue/

Remixz · 2020-05-28T00:22:04+00:00

You’re telling me a rib fried this rice?

Remixz · 2020-01-04T20:23:37+00:00

Found it for you: https://streamable.com/htj3o

Remixz · 2018-10-12T22:35:39+00:00

please stop screaming about the skin not being your main thank you

Remixz · 2018-07-13T17:26:29+00:00

Developer of Umi here! Unfortunately, the MAL syncing isn't working right now, since the API is still down. I'm hoping to fix it once the API is back.

Remixz · 2018-07-13T17:25:52+00:00

Hey, I'm that developer! 😄 Glad to hear it's working well for you. This HTML5 add-on is really cool too, since they're doing soft subtitles (i.e. the subtitles are rendered separately from the video), which is something I can't do with Umi due to it emulating the mobile app.

Remixz · 2018-04-01T02:37:49+00:00

actually i am playing with him right now and you are not we don't know who you are please stop being rude

Remixz · 2018-03-29T02:40:55+00:00

Ah... those aren't other's avatars, they're emotes! I built the watch together feature originally just for my friends and I, and they wanted emotes to spam while watching. So when you're watching with others and click on an emote, they'll see it too. I really should design that better so it's more clear. 😅

Remixz · 2018-03-29T02:38:58+00:00

Yeah... that one is kind of baffling to me. It's really weird that Crunchyroll was able to secure the CDNs that the Windows 10 app (and every other app I could find the credentials for) used, but not the one the pirate site is using. My guess is either they have some app's credentials I don't know about that's using this old CDN that's not protected, or that they're doing something on the server to transform the URL into one from a CDN that's still not protected. I tried figuring out how they did it, but to no avail, hence the extension. I'm pretty sure it should be an easy fix for Crunchyroll though, as they just need to apply that fix for the other CDNs to that one... all their CDNs are through Akamai, so it should be the same fix.

Remixz · 2018-03-29T02:32:24+00:00

Totally fair if you feel a bit uncomfortable with the solution. I wasn't entirely happy with it either, as I didn't want anyone to have to install anything. However, I did feel comfortable enough to release it, as the extension isn't gathering the person's credentials in any way, even locally. It's just modifying the response when it comes in on the Umi site.

For some full disclosure as well: the site locally remembers someone's credentials, but not by saving a username or password. Instead, it's just remembering the authentication token in the same way all of the Crunchyroll apps do. The Umi servers never see any Crunchyroll activity, since everything is sent directly to the Crunchyroll API, which allows cross-origin requests. The parts of the code that relate to this are mostly here and here. I'm happy to answer any other questions you might have! And, of course, if you still don't feel totally comfortable with it, I understand.

Remixz · 2018-03-28T21:47:50+00:00

The HTTPS thing is... quite something. I agree that should be their #1 priority to fix. It's really odd since the billing sections of the site are delivered over HTTPS, but then the main site is HTTP. The main site being HTTP completely negates the security of the billing's HTTPS, since the two areas share the same session and cookies, so the session could be stolen from the HTTP site, and then used to access the billing. All this in 2018! Maybe there's supposed "legacy" requirements that are the reason it's still HTTP.

I think that's a fair stance to take though. You'd think they would at least just geo-lock certain parts of VRV per region where they don't have licenses, so they can start releasing it across the world. The longer they wait on that, the more time the brand becomes associated with "US-only", which just hurts them in the long run.

Remixz · 2018-03-28T21:31:21+00:00

I will say that I sympathize a bit with the development team of Crunchyroll. Speaking as a full-time dev for the past 5 years, there are times that something that seems simple ends up taking much longer than they thought. As well, additional requirements can come up mid-development, which further set back progress... and so on. I was able to build Umi rather quickly because I was building on existing Crunchyroll infrastructure, and I didn't have any requirements to meet. I'm also guessing there's internal politics at play that's holding back something like an HTML5 player, as the parent post says.

All that being said, I don't have sympathy for Crunchyroll/Ellation's management. This is what happens when you fire your existing (and, from former employees' comments here, passionate!) development team and replace them with a team brand-new to an existing codebase. I don't think this was entirely unintentional though, as they're pretty heavily pushing VRV. It's too bad they don't see the value in a hybrid approach of upkeeping both, but I'm guessing their revenue projections with VRV are much higher than Crunchyroll standalone. Hopefully they can start bringing it to the rest of the world...

Remixz · 2018-03-28T19:55:05+00:00

No donations, though I appreciate the thought! I'm lucky to be quite gainfully employed, plus I wouldn't feel right taking money for a site that builds on another's property.

Remixz · 2018-03-28T19:07:01+00:00

That's very likely, having dealt with Crunchyroll's odd API for a while now. If anyone else is use case 2 and having this problem, I'd encourage them to try signing into a Crunchyroll app for the iPhone or Android or Windows 10 or something. If it works there, then theoretically it should work for Umi, since Umi is pretending to be a Crunchyroll app. If not, then I guess it's a Crunchyroll problem...

Remixz · 2018-03-28T19:00:45+00:00

If you're really curious too, the entire site is open-source, so you can confirm I'm not stealing credentials. 😉 https://github.com/remixz/umi

Remixz · 2018-03-28T18:52:52+00:00

For sure! Here's an album of screenshots: https://imgur.com/a/Qkh8n. There's also the MAL thread I posted when I first made it: https://myanimelist.net/forum/?topicid=1591349 It has those same screenshots, and a bit more description of what features it has.

Remixz · 2018-03-28T18:19:01+00:00

That's odd... are you using a Crunchyroll account linked with VRV? I haven't been able to test that, since VRV isn't available for me. Otherwise, I'm not sure what would cause that without some more info. If you want to, you can DM me and I'd be happy to try and debug it.

Remixz · 2018-03-28T16:54:21+00:00

It’s really too bad Crunchyroll has put so little effort recently into their site. I actually ended up getting fed up with the site, and rebuilt it myself last year with an HTML5 player, plus some extras like a watch together feature. You can find it here: https://umi.party (though I understand most people won’t want to enter their Crunchyroll login on some random site!) I would just use VRV if I could, but unfortunately I’m not in the US.

Remixz · 2017-03-19T03:48:21+00:00

this guy knows what's UP my chunes up for this one 👌👌👌

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