Sentences with phrase «even less expenses»

With a little inspiration - and even less expense - you can stylishly incorporate your pet's peroperties into your home decor.

Not exact matches

But some lenders set that figure in stone, and don't even consider approving mortgages unless someone's proposed home - expense - to - income ratio is 28 percent or less.

As part of its pitch, the company explains to potential customers that the so - called «net present value» of a $ 7,000 saddle is actually less than the all - in cost of using an ill - fitting one — expenses that include frequent vet bills, replacement saddles and even the costs associated with the premature death of the animal due to saddle - related health problems.

Some plans may even allow you to take hardship withdrawals for less gloomy situations, such as buying your first home and paying for college expenses for yourself, your spouse, or your children.

Even though it's an added expense, it's still far less than the cost and consequences of exclusive formula feeding.

Even for an US election, the combined expenses of both parties are less than the yearly marketing budget of Pampers.

The «cheap» plans just mean that you're going slightly less bankrupt if anything happens to you and now even middle class people who previously had OK plans will also likely go bankrupt with any major medical expenses as all, but the most premium plans have been forced to go the high deductible route with many deductibles so high that they still virtually guarantee financial insolvency.

RACHEL McADAMS, «SPOTLIGHT» Globe journalist Sacha Pfeiffer helps take on no less than the Catholic Church and never falters in doing the right thing — even when it's at the expense of her personal relationships.

To the extent that teachers benefit from more generous pay and benefits, less - demanding work conditions, and higher job security, the unions will pursue those goals, even if achieving them comes at the expense of students.

Even though secondary schools in MATs are making a # 49 saving on running expenses, they are spending the same as (or # 3 less on average) LA schools on teaching staff.

(cont'd)- I'm giving away hundreds of listings on the Vault, and as a result of doing so, won't see one thin dime of income on the site until October or later - Given all the time and money I've already sunk into developing the site, I don't even expect to earn back my upfront investment until sometime next year - I'm already personally reaching out to publishers on behalf of authors who are listed in the Vault, on my own time and my own long distance bill, despite the fact that I don't stand to earn so much as a finder's fee if any of those contacts result in an offer - I make my The IndieAuthor Guide available for free on my author site and blog - I built Publetariat, a free resource for self - pubbing authors and small imprints, by myself, and paid for its registration, software and hosting out of my own pocket - I shoulder all the ongoing expense and the lion's share of administration for the Publetariat site, which since its launch on 2/11 of this year, has only earned $ 36 in ad revenue; the site never has, and likely never will, earn its keep in ad revenue, but I keep it going because I know it's a valuable resource for authors and publishers - I've given away far more copies of my novels than I've sold, because I'm a pushover for anyone who emails me to say s / he can't afford to buy them - I paid my own travel expenses to speak at this year's O'Reilly Tools of Change conference, nearly $ 1000, just to be part of the Rise of Ebooks panel and raise awareness about self - published authors who are strategically leveraging ebooks - I judge in self - published book competitions, and I read the * entire * book in every case, despite the fact that the honorarium has never been more than $ 12 per book — a figure that works out to less than $.50 per hour of my time spent reading and commenting In spite of all this, you still come here and elsewhere to insinuate I'm greedy and only out to take advantage of my fellow authors.

In addition to being a writer I am an avid reader and even though I still buy a few of my favorite traditionally published books, I am buying them less and less because of the expense.

Even though you may bring home $ 2,500 per month, your monthly living expenses (food, shelter, utilities, etc.) may be substantially less.

Countrywide Home Loans helps homeowners - even those with less - than - perfect credit - access their home's equity to get cash, consolidate debts, and lower monthly expenses.

Every move is different, and you might have more or less expenses than someone else, or even a different situation than a previous move of your own.

By cutting out these expenses, you'll actually need less money in your spending plan and perhaps to even live on if you don't need to put more money towards debt or other financial priorities.

Vanguard is a mutual fund company known for providing low - cost mutual funds; its funds have expense ratios of 0.5 % or even less.

Its expense ratio is 0.79 %, substantially less than the former Formula Investing funds (now replaced by even more expensive Gotham funds).

If you really want to make headway, you may even be able to move to a less expensive apartment or find a roommate to help you share expenses.

First National Bank Business Edition Visa Card with Absolute Rewards (Business) covers Telecommunication Expenses with 5x points even if the true value is less than 5 % cash.

And you can even find many index funds with annual expenses of 0.10 % or less.

While almost all HSA - eligible expenses are deductible even without an HSA if you itemize your taxes — the deduction is less generous and more complicated.

As a result, even though I'm living on less income today than a year ago, I've managed to save up one month's expenses for my emergency fund so far, a great start to my goal of a six - month emergency fund.

Adjusted gross income usually reflects less than a borrower's total income because it excludes the income a borrower contributes to a long list of common pre-tax benefits, such as health insurance premiums, retirement savings, and even employee parking and transit expenses.

I usually say that 1 % is a reasonable expense cutoff for stock mutual funds, but I'd set the bar even lower for dividend - focused funds — ideally 0.75 % or less.

Also, expense ratios are supposed to be key, but what I've seen (being a Fidelity customer) is that some funds have extremely LOW expense ratios but other fees seem to be involved that I am less sure about (even after reading the prospectuses).

And even though a house comes with other expenses, these are typically less than rent.

That brings us to another, less - publicized problem: Even if retirees can afford the mortgage and other loan payments, they could incur some hefty unexpected expenses.

Since they paid $ 22k in education expenses and you only made $ 20k, certainly they paid for more than half of your support (even if it were less, they could claim that they provided housing and food as well)

[Two fee issues to monitor: i) Capitalizing (& amortizing) IPO expenses as a balance sheet «asset» is a nice gimmick for investment managers to collect additional fees — however, it's far less prevalent these days & actually may not even be permissible any longer, and ii) if the company invests in JVs which are also managed by the investment manager (or a related party), shareholders should ensure two layers of fees aren't imposed].

«And, even when I added back in the management expense ratio (most were.48 %), two of the funds still captured less than 90 % of their indexâ $ ™ s return.»

Life's a lot less stressful when you know that a significant portion of your expenses are already covered before you even think about making money via the exchange of your time.

So let me get this straight: Your company is circling the drain, your latest console was a flop, your first - party software comes out way too infrequently and even when it does it's not nearly as good as it used to be, and all you've really got going for you is an awkward, no - one - ever - mentions - wanting - one hand - held gaming device that does 3D at the expense of having graphics one could even possibly call modern in 2013, and so you decide to spend your time building a new version of said hand - held system which does not do that unique 3D feature and instead is big, ugly, clunky and only $ 40 USD cheaper than the 3D version which is ugly too but less so?

For whatever reason, paintings on paper tend to sell for less than paintings on canvas — even though they require framing, which is an added expense.

For unlike Andre's floor sculptures, which are fashioned from the strictly impersonal logic of the grid, Steegmann Mangrané's are drawn, cut and organised according to a logic that not only defies the grid, but even immediate human understanding (although this particular perversion of the grid evolved from a drawing featured in the Morfogenesis — Cripsis presentation mentioned above), transforming it into something if not more natural, then less inclined to impose order at the expense of the natural, while casting doubt upon what we traditionally assume to be natural.

Most TreeHugger readers probably a good handle on the concept that large monocropped fields have lesser biodiversity than more mixed cultivation, and that industrial agriculture uses excessive amounts of fertilizer to push crop yields to their maximum, even at the expense of decreasing soil fertility.

In the first half of 2008, demand dropped off even more dramatically and expenses increased at a more rapid pace at the top firms, resulting in even greater margin compression and a steeper drop in productivity than experienced by their less profitable rivals.

On government's part there may be additional resources devoted to «important» First Nations e.g. infrastructure transiting traditional territories; sitting on important resources or even more prioritizing on important First Nations at the expense of «lesser» First Peoples.

However even on an individual basis I can not recall a failed mediation (and there have been very few) where the issues were not narrowed down considerably, resulting in less expense going forward.

Further changes to the attendant care section were brought in even more recently by Ontario Regulation 251/15, which added that if a service provider is paid for providing attendant care, and this amount is less than the amount on the applicable «Assessment of Attendant Care Needs» form (Form 1), then the insurer is only liable to pay the actual incurred expenses.

Even if you choose not to work with, just find an independent agency that specializes in final expense insurance and they represent no less than 10 companies.

The premiums for guaranteed universal life insurance policies will be less expensive than whole life insurance, coverage amounts are flexible, and a guaranteed universal life insurance policy can be structured to provide final expense coverage up to age 90, 95, 100, and even 121 years of age.

Even if you don't spend enough on health care to meet your catastrophic health plan's deductible, you'll still pay less on out - of - pocket medical expenses with a catastrophic plan than if you had no health insurance coverage at all.

These are all endeavors that are geared towards less car expenses, even if only in an incidental way.

And often times, those who call us for guaranteed acceptance life insurance might not even need it as many «final expense» companies take some pretty high risks which will be less expensive than buying a guaranteed acceptance life insurance policy AND you'll get first day coverage instead of waiting for 2 years before the full benefits kick in.

While it might be relatively likely that someone would slip and fall at your house, get a sprained ankle and run up $ 10,000 in medical bills, it's less likely that they'd run up $ 50,000 in expenses, and even less likely that they'd hit $ 100,000.

Even if they did, it would only influence miners to create more bitcoin today at the expense of creating less in the future since the total supply will reach a hard, asymptotic limit of 21 million coins.

Manage workloads faster than expected or even with less resources can significantly cut the expenses of the company.

That single choice dwarfs pretty much every other financial choice you can make, and you don't even have to be particularly frugal to save 50 % or more of your income every month after you more or less eliminate housing and transportation expenses from your budget.

It is important to write down what you actually spend on each item, even if you plan to spend less in the future, identify large periodic expenses, like a car insurance premium that may be due every six months.