Sentences with phrase «far less expense»

I'm not saying that you might not benefit from those services, if you were willing to pay for them — but I really doubt that Malatesta can tell you anything you couldn't learn or research on your own, at far less expense.

By using e-readers, tablets, laptops, or desktop computers loaned by the college or owned by individuals, users can have access to a variety of current, up - to - date e-texts for far less expense and in many cases for free.

And at far less expense than the college classroom, which we also deplore.

Not exact matches

The fact is, many working families are already living on far less than 70 % of their income when you take out non-discretionary expenses like mortgage payments and the feeding and care of children.

«This way you will be expecting the unexpected, financially, at least, and will be far less likely to pay interest on unplanned expenses.»

Both studies found that until Americans hit the latter retirement years, when health care expenses tend to scale up, they're spending far less than 85 % of their pre-retirement income, on average.

The acceleration in interest expense, exceeding the rapid trajectory of borrowing, will make America's debt far less affordable, and at worst, unaffordable.

In some instances, earnings claims may use gross sales figures, but when you consider likely expenses, you may find that actual earnings will be far less.

While the iShares Nasdaq Biotechnology Index does come with a somewhat rich expense ratio of 0.47 %, it also offers a super easy route toward a highly diversified — and therefore far less risky — approach to investing in biotech.

I wanted to weigh in with the fact that I am paid by my church (basically just manse expenses) far less than I put in monetarily.

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

The furore over expenses began last year when it emerged Conservative MP Derek Conway had claimed thousands of pounds for employing his two sons as researchers, although they had done far less work than reported by him.

The procedures were used for what My Lyon described as «less serious» breaches of the rules regarding such matters as office stationery, but the public anger over expenses has moved Sir George to prevent any further damage to the standing of MPs, which is already at an all - time low following the scandal last year.

Savage said the value of the stolen items often weighs far less on car owners than the sense of personal violation and the inconvenience and expense associated with repairing the damage to a vehicle.

The material is costly, but companies can recoup some expenses because it shrinks far less than conventional metals as it solidifies, which means little or no postforming processing is needed.

For those who need the additional nutrition, it can be well worth the expense and far less costly than other supplements or pharmaceutical treatments.

So far so good and much less hassle and expense than taking it to the cleaners.

Since teacher salaries are the primary instructional expenses for schools, it should come as no surprise that charters spend less on classroom instruction than traditional public schools, whose teachers are older and thus further along on the salary schedule.

Carl was in favor of the war, more or less; but he'd joined up mainly to get further mechanical training at the military's expense.

(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.

Ever since the rise in popularity of electronic reading, the standard argument has been that ebooks cost less to make and do not require additional expense or material to duplicate, therefore, the price should logically be far less than the price of a print edition.

It seems to me that, as far as I can determine, you're best off if you time your expenses such that as much as possible of that initial $ 6,500 is non - grocery / drug / gas, because the difference in rebate is less on «other» purchases -LRB-.5 % vs 1 %) than on g / g / d (1 % vs 5 %).

Median gross rent in San Francisco is only $ 1,512 which is far less than the mortgage on $ 800,000, not to mention the other expenses that go with owning a home in California.

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.

Fidelity Freedom Index funds levy 0.15 %, Schwab's target - date index funds charge 0.08 % a year and Vanguard's offerings have expenses of 0.13 % to 0.15 % — far less than most other target - date funds.

But after that, if my choice was between a «regular investment» or an investment I'd have to pay taxes on like T - bills or Bonds or (to a somewhat lesser extent) stocks I would want to remember that removing an expense goes further than adding income.

Of course, smoothing volatility at the expense of overall returns may be a far less desirable outcome.

The expense ratio is far less in the ETF.

[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].

At Critter Doctor Animal Hospital in Kirkland, WA, our veterinarians and our medical staff recommend regular veterinary wellness examinations for the same reason that your personal physician or dentist recommends them — if a health problem or issue can be detected in its early stages, there is a far greater likelihood that it can be resolved and treated with less difficulty, less expense and greater success.

In the long run, the price of this operation is far less than the expense of the litters and medical problems arising from unaltered animals.

The team at Salmon Creek Veterinary Clinic recommends regular wellness examinations for the same reason your personal physician or dentist does: if a health problem or issue can be detected in its early stages, there is a far greater likelihood it can be resolved and treated with less difficulty, greater success and less expense.

If a health problem can be detected in its early stages, there is a far greater likelihood it can be resolved and treated with less difficulty, less expense and greater success.

Dr. Delijani and our medical staff at Green Forest Veterinary Hospital recommend regular wellness examinations for the same reason that your physician or dentist recommends them: if a health problem or issue can be detected in its early stages, there is a far greater likelihood it can be resolved and treated with less difficulty, less expense and greater success.

If your pet has a health problem or issue that can be detected in its early stages, there is a far greater likelihood it can be resolved and treated with less difficulty, less expense and greater success.

While that means I didn't have any out - of - pocket expenses for my hotel stays (except 12,000 Ultimate Rewards points I had to transfer to World of Hyatt), on the other hand if I were absolutely focused on cost I probably could have spent far less by simply booking far in advance and staying at the absolutely cheapest properties in each city.

Arrival miles are worth 1.14 cents each when redeemed for travel expenses and far less when redeemed for other purchases, so it's imperative to use the card for at least $ 500 worth of travel expenses in order to use our 46,000 Arrival miles to remove the $ 500 worth of travel expenses.

Over the long term, it surely pays to be green: you use less gas or heating oil and you leave more money in your pocket; you grow your own food and reduce your expenses (over time) as well as your diet's carbon footprint; you reduce, reuse, and recycle and you get far, far more bang for your buck while putting less waste into the production and distribution streams.

Do you know any millionaires personally, or know what it is like for yourself to have so much money that your total energy bill is an incidental cost of ZERO importance, far far less than «office expenses» and «entertainment» bills?

Our clients appreciate our ability to identify cases suitable for early resolution, which often results in far less legal expenses.

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.

Seventy - three percent of victims incur no out - of - pocket expenses whatsoever; the unlucky minority loses, on average, $ 2,000 — hardly chump change but far less than the scare stories would have us believe.

Lyndon Willshire, sales manager at legal expenses insurer DAS UK, says the new figures dash suggestions that employee relations are becoming less combative and predicts a further rise in claims.

Term life insurance is better suited for seniors over 90 because it is far less expensive and can be tailored to cover specific expenses.

Replacement of Retirement Income for a Spouse or Partner — Often, if a couple is receiving retirement income from a pension when the primary income earner passes away, the survivor could be left with far less income for paying his or her ongoing living expenses.

Median gross rent in San Francisco is only $ 1,512 which is far less than the mortgage on $ 800,000, not to mention the other expenses that go with owning a home in California.

Recruiters have figured out that the time and expense of screening hundreds of resumes makes the big job websites far less appealing than they might be.