If your loan agent is making a one point rebate is there any way you can have him lower his margin so you can get a better rate?
No, one point is more than fair and you should be happy that you got the loan....loser
First, it's not a rebate. It's his commission or fee, generally paid by the one giving, not getting the money. Second - Certainly he could rebate to you some portion of it, like anyone could give you a discount on their fee. But here's where the above contributor, while a bit over the top, is correct...it's the common fee and how he makes a living..and you want to get him lower...how about if he provides a lower level of service...that OK? Third - HE probably only gets a portion of the 1%. He probably works for a loan/mortgage brokerage or company that gets the 1% and they either co-operate with other brokers (who also get a share just to start), and or, the fee is split in the Company...they keep half, (for providing his office, benefits, advertising, leads, sources of funds, etc.). Or if he is entirely independent...he makes 1% and has to pay for his own business expenses...office and support, copier, phone, car, advertising, insurance, training, etc., etc., and nets only a small portion of that 1% anyway. He could actually lose money on some loans...especially as a $100,000 loan only generates a $1,000 total fee to be split by all those involved or pay the costs of the business.
Unless you�re a very experienced cruiser, or are lucky enough to find a fantastic fare on one of the travel mega-sites, a Travel Agent is usually your best bet. Be sure you get an agent who specializes in cruises. He or she will be able to book groups and negeotiate better discounts for you. Many larger Travel Agencies specializing in cruises now rebate some of their Travel Agent commissions to the consumer, although technically that's…
Travel services are so expensive because the travel agent is doing most of the work in planning a vacation or other outing. The agent is responsible for making flight plans, hotel reservations, and in some cases, planning out events for one to enjoy. In some cases it is better for someone to do this themselves, however if traveling to an unfamiliar place, then a travel agent may be the best option.
Who will write insurance for an in-home business of making soy candles and selling them at craft fairs?
Can't say it is a better reducung agent : actually it is a less powerfull reducing agent, il will reduce less functions then LiAlH4. However, its reactivity will allow better chemoselectivity : you can reduce an aldehyde on a compound with also an ester : that's why its mighty usefull. (it is also far more practical : you can use it in water or alcohol, no special handle is necessary : less accident gain of…