Sentences with phrase «cost of the points»

Divide the total cost of the points by the savings in each monthly payment.

That means it would take 100 monthly payments, or more than eight years, to recoup the up - front cost of that point.

Thus, it could be rather difficult to evaluate the true cost of a point or mile of each miles program.

As a general rule of thumb, you will need to be able to recuperate the total cost of the points in a period of time that is less than the amount of time you will need to borrow the money.

Patrick Watson thinks utility stocks may be sun setting per lower cost of point of use solar energy.

With this Simple Loan Calculator for web sites, your visitors can quickly calculate a monthly payment, total amount of interest paid, the total amount paid and cost of points for a fixed rate mortgage (FRM) loan.

I have waffled on this issue, but I have settled for now on the idea that most free nights are used for aspirational travel — the kind you would never buy — and so the increased cost of points redemptions is less important.

The low cost of point of use solar is contributing to coal related assets being stranded in Australia and low natural gas prices have had a similar effect in the US.

When the percentage of the sales owed to content creators on a 1600 msp game is disbursed, Microsoft calculates based on $ 19.99 per copy (the US cost of the points), regardless of how much a consumer paid for the 1600MSP that enabled the purchase.

Paying for extra points up front in exchange for a reduced rate will require a calculation of the break - even point, since you'll only make back the initial cost of those points after a period of time.

Calculates your monthly savings (resulting from the lower interest rate) as well as the breakeven point for the upfront cost of point (s) paid.

They do, however, offer a really great Cash & Points option that reduces the nightly redemption cost of points by half (or more) and allows you to pay the remainder in cash, adding flexibility for people that don't have enough points.

The return on investment is twofold because you get to deduct the cost of the points and the amount on interest paid in the same year as the home purchase.»

Break even point is defined as the time where the lower mortgage rate you're paying equals the cost of the points.

Welbeck is another Walcott, a player who wants to be a striker because he feels he is a striker, but who fails to prove he is a striker when given the opportunity — at the cost of points.

Homeowners who purchased points from their lender may claim the cost of the points in the year they purchased the home, but must amortized the deduction for points purchased to refinance a home over the life of the loan.

Divide $ 1,800 — the cost of a point in this example — by $ 39.06 and in basic terms, you will have to own the property for 46 months to recover your money.

APR incorporates the cost of the points as well as your interest paid.

The cost of a point is generally equal to 1 percent of your mortgage, so if you refinance a $ 200,000 mortgage and you pay two points, then $ 4,000 can be deducted.

To determine whether it makes sense for you to pay points, you should compare the cost of the points to the monthly payments savings created by the lower interest rate.

You also need to add in the cost of points and fees to determine the total cost of the mortgage loan.

In the above scenario, you'll have to stay there 5.5 years to recoup the cost of those points.

The cost of the points can be deducted over the price of the loan.

Then you can calculate at what point you'll break even on the cost of the points (use our calculator here for a personalized recommendation on whether to buy points).

By dividing the cost of the point ($ 4,000) by the monthly cost ($ 57), you determine how many months it would take you to make up the cost of buying the point.

If you buy a new home or refinance your current mortgage and buy points, you can deduct the cost of the points.

That's like getting the points for 0.6 cents each ($ 90 cost of points / 15,000 points).

You are then presented with loan options based on the information you entered, along with current CitiMortgage rates and a breakdown of corresponding payment schedules, the cost of points and the estimated closing costs.

Generally, the cost of a point is equal to 1 percent of your mortgage.

That takes the cost of the points to 1.71 cents per point.

That would bring the cost of these points to about 0.52 cents a piece.

Ignoring the cost of the points for the moment, I've never been able to see the value in booking SPG awards at properties that cost more than 12,000 points / night — I find the rest to be overpriced (but that may just be me).

6 Hyatts which cost 25,000 Gold Passport points per night and, using the cost of points in this promotion, that would set me back over $ 460 / night — I can easily book the hotels for less than that.

The other way to look at this, is to consider the cost of the points that are being bought.

The problem here is straightforward, and why I don't use a 2 % cash back card to completely offset the cost of my points: if I don't value the roundtrip ticket to Europe in business class at $ 786.05, why am I paying $ 786.05 for it?

1) Savings — For most itineraries, once you compare the cost of point to point train tickets vs. buying a rail pass, it quickly becomes clear that you get much more value with a rail pass.

No wonder you didn't figure in the cost of those points, as there's so many different calculation «ifs» that could go into figuring out just how much each point cost you in the first place)

The cost of these points depends on where you are living.

Each unlock comes at a cost of points.

I assume that South Korea will be able to install solar as cheaply as Germany and looking at South Korean capacity levels for solar and seeing that the cost of money to homeowners is about 5 %, the cost of point of use solar in South Korea should be about 11 cents a kilowatt - hour.

Finally, most traditional travel insurance policies will not cover the cost of points or miles, but may cover fees for re-depositing those points into a loyalty account.

If paying one point up front saves you $ 100 a month, this means it will take you 30 months or 2.5 years, to recuperate the cost of the point that you paid.

You are then presented with loan options based on the information you entered, along with current CitiMortgage rates and a breakdown of corresponding payment schedules, the cost of points and the estimated closing costs.

It is generally higher than the interest rate because it also includes the cost of points, mortgage and other fees included in the loan.

-- The borrower who paid points to reduce the interest rate on the current mortgage should wait until the interest savings have covered the cost of the points.