Sentences with phrase «highest closing costs in»

However, it's overall score is hurt by the fact that closing costs in this city run just shy of $ 4,800 on average, giving Elk Grove the seventh - highest closing costs in our top 10.

Texas has the highest closing costs in the country, according to Bankrate.com.

Not exact matches

The Justice Department said AT&T sought to hide the high cost to consumers of its $ 85 - billion deal to buy Time Warner in its closing arguments against the wireless giant.»

Shares in local gold miner Millennium Minerals closed 13.7 per cent higher today on news it had increased its projected gold production by 11 per cent while lowering costs.

Seller Financing Because bank financing is complex, has high closing costs and is almost impossible to secure right now, seller financing is quite common in business acquisitions, and a must in today's economy.

«In the end, this is all about having factories that are producing the world's highest quality cars as quickly and as cost - effectively as possible, and with as close to zero injuries as we can possibly get,» the investor letter states.

If you only make the minimum credit score, your mortgage rate will likely be up to a half - point higher and you'll pay more in closing costs, says Sheldon.

It costs you nothing, yet provides a high closing rate in comparison to leads you get through inbound or outbound marketing channels.

«Oil's price collapse is closing down high - cost production from Eagle Ford in Texas to Russia and the North Sea,» the IEA said in its monthly report.

Since nonconforming loans are most often jumbo loans, their higher balances will produce a higher dollar amount in closing costs — even though the types of fees stay relatively similar to the fees on conforming loans.

We expect to benefit from a higher level of new generic introductions in the fourth quarter versus a year ago, including the third quarter launches of generic versions of Lexapro, SEROQUEL and PLAVIX; we will have some cost associated with the Alliance Boots transaction, the magnitude of which in part will be determined by the actual closing date of the first step.

Navy Federal's low rate assumed that borrowers would pay several extra points to bring down the interest rate, resulting in much higher closing costs.

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

As a result, closing costs in Miami are typically higher than closing costs in Denver.

In some states, mortgage closing costs are high.

A zero - closing cost refinance is a refinance for which all closing costs are paid by your lender in exchange for the homeowner willfully accepting a slightly higher mortgage rate.

The firm also avoids subordinated - debt tranches, which are often wiped out in restructurings and pools with lots of smaller mortgages, because the high fixed closing costs often deter refinancing of such debt.

Buying mortgage points raises your closing costs in order to lower your mortgage rate, while taking lender credits allows you to lower closing costs in exchange for accepting a higher interest rate.

The additional costs of a longer - term lock are paid as either cash as closing, or in the form of higher mortgage rates.

PZG believes the key evaluation factors when reviewing potential projects to acquire includes: • In close proximity to Infrastructure; • proximity to other operating mines; • upside exploration potential to increase mineral inventory; • high grades to minimize projected operational cost per ounce, or potential for high grades discoveries through exploration; • good potential economic outcome in low metal price environments; • good metallurgical recoveries to have a simple and proven process for gold and silver extractioIn close proximity to Infrastructure; • proximity to other operating mines; • upside exploration potential to increase mineral inventory; • high grades to minimize projected operational cost per ounce, or potential for high grades discoveries through exploration; • good potential economic outcome in low metal price environments; • good metallurgical recoveries to have a simple and proven process for gold and silver extractioin low metal price environments; • good metallurgical recoveries to have a simple and proven process for gold and silver extraction.

Due to limited awareness of the Pollo Tropical brand and high relative overhead costs needed to support the four remaining restaurants in San Antonio, the Company decided to permanently close all six Pollo Tropical restaurants in Texas and focus on revitalizing core markets and brand repositioning outside of core markets.

Nice article... I used to be one of those staunch Wenger fans through the years... I used to believe he is superior than Sir Alex, because with almost nothing to spend and playing with kids, he managed to keep us up there every year... I was really caught up with that half season wonder we used to show... In the summer 2013, him or the board (I don't recall) came out and said we are much stable financially and now we can fight with the biggest bullies, I got my hopes high, I thought we are definitely signing a top striker and DM, that what we need... What happened, only hours before the window closed we managed to sign a top AMF (remember we have our best player for the season 2012 - 2013 was AMF, Cazorla if you remember), I was really depressed seen Giroud leading the line every match... then comes winter window, and we were right there top of the table... My friend send me a poster of an elephant on a tree, and on the bottom of it «no one knows how it got there but everybody knows how it will get down»... I told my friend that we are only one decent striker far from the gold... and what happened, we signed an old injured DM on loan... That for me was a completely arrogance and stubbornness cost us the league title... There I completely lost the plot with Wenger... I wish yesterday I was with those who raised that banner... I would write in my banner «Enough talks and philosophy, we need results&raquIn the summer 2013, him or the board (I don't recall) came out and said we are much stable financially and now we can fight with the biggest bullies, I got my hopes high, I thought we are definitely signing a top striker and DM, that what we need... What happened, only hours before the window closed we managed to sign a top AMF (remember we have our best player for the season 2012 - 2013 was AMF, Cazorla if you remember), I was really depressed seen Giroud leading the line every match... then comes winter window, and we were right there top of the table... My friend send me a poster of an elephant on a tree, and on the bottom of it «no one knows how it got there but everybody knows how it will get down»... I told my friend that we are only one decent striker far from the gold... and what happened, we signed an old injured DM on loan... That for me was a completely arrogance and stubbornness cost us the league title... There I completely lost the plot with Wenger... I wish yesterday I was with those who raised that banner... I would write in my banner «Enough talks and philosophy, we need results&raquin my banner «Enough talks and philosophy, we need results»

If you add in the Cybex Priam stroller or a high - end stroller from another brand, your travel system will cost close to $ 1500.

The plant, based in Scriba, Oswego County, is being closed due to greatly reduced revenues and low natural gas prices, along with high operational costs.

These proposals are grouped, starting with the most urgently needed to prevent future library closings, and progressing through a series of service restorations that will allow the downsized Buffalo and Erie County Public Library System to meet continued high public demand for service at a cost that would still be down to approximately what the taxpayers provided in 1999.

Thomas Tafuri, land records chairman of the New York State Land Title Association, said that while he had no statewide study, he was certain that Nassau's closing costs will be the highest in the metropolitan region of New York City, Westchester, Suffolk and Nassau.

The increased fees likely will make Nassau's closing costs the highest in the state.

In the poultry industry, factory farms or «batteries» were designed to maximise production and minimise costs, through methods including high stocking densities, close control of the availability of food, water and light, selective breeding and medication.

The commission predicted that some New York City hospitals would close in future years because of high overhead and infrastructure costs and changing national trends in health care delivery.

A multi-institution team of scientists led by Texas A&M University chemist Sarbajit Banerjee has discovered an exceptional metal - oxide magnesium battery cathode material, moving researchers one step closer to delivering batteries that promise higher density of energy storage on top of transformative advances in safety, cost and performance in comparison to their ubiquitous lithium - ion (Li - ion) counterparts.

Combinations of high gas prices and significantly lower capital costs could make nuclear plants competitive with fossil fuel plants, but the bottom line is that in the current economic climate, commercial nuclear generation is not even close to being competitive with fossil - fueled plants and there is no easy path to a competitive market for new nuclear plants.

In fact, I can tell you that it costs at least $ 10 to produce a high - quality pre-workout supplement and closer to $ 15 to create something exceptional.

In fact, PA3 opened bigger and though it had the series» weakest legs to date, it still ended up with a domestic gross close to the first film and a franchise - high worldwide take of $ 203 M. And while the production budget again rose, it was still kept to just $ 5 million, well under the competition and far less than the marketing costs of such a high - profile wide release.

School financing policies should be driven by an analysis of what it costs to raise the bar and close the gap in student achievement, bringing teaching and learning opportunities in all schools up to a high standard.

While lower class size has a demonstrable cost, it may prove the more cost - effective policy overall in closing the widening gap between the lowest and highest achievers, even in tight budgetary conditions;

As we reflect on this moment in urban Catholic education, the Jubilee closings should not cause us to lose faith in our future; rather, we have an opportunity to work together and identify new ways — from donor relations to cost - sharing collaboration — to maintain and grow our national network of high - quality Catholic schools, especially those that serve lower - income populations in urban areas.

Some specific ways your donation contributes to closing the achievement gap include: ensuring that all Brooke eighth graders participate in an annual experiential learning experience in Washington, D.C., purchasing books for every middle school student who participates in Brooke Book Club with Boston professionals, support for Brooke High's Debate Team, assistance with the costs of college text - books for our alumni, and much more!

How closing schools hurts neighborhoods I Can't Think I Wish I had a Pair of Scissors So I could Cut Out Your Tongue An Interview with Zoe Weil Little But Lucky Make School A Democracy No Forced School Closures Oakland Must Again Commit to Creating Small Schools Oaktown Oaks thrived for decades: Small schools kept community alive Opposition to School Closures Impressive Fight: Professor Our Non Negotiables: What We Stand For SA's growing numbers of very large and very small public schools is raising concerns about kids getting lost in crowded campuses Small High Schools Post Big Gains: 5 Questions with Gordon Berlin Small Schools: The Myth, Reality, and Potential of Small Schools Study Shows Why Cliques Thrive in Some Schools More Than Others The Power of 12 The True Cost of High School Dropouts U.S. News Ranks America's Best High Schools for Third Consecutive Year What Does Research Say About School District Consolidation?

New England NEACEP Annual Spring Conference Accessing Opportunity: Secondary Perspectives in Concurrent Enrollment and Early College Programs When: May 23, 2018 Cost: $ 20 Where: Quinsigamond Community College, 670 West Boylston Street, Worcester, MA 01606 Keynote Speaker: Dan Riley, Director of STEM Early College High School in Marlborough, MA Registration is Closed.

Some programs offer as little as $ 2,500 for a year of tuition and other programs offer close to $ 30,000.29 The average tuition of private schools across the country is $ 10,740, which does not include any additional services.30 For nonreligious schools, that number is much higher — $ 21,810.31 In most cases, parents are responsible for paying the difference between the tuition costs and the amount provided by the voucher.

Due to concerns such as high costs and the highly - valued Australian dollar, General Motors confirmed earlier rumors this morning that it will close its manufacturing operations in Australia by 2017.

[Optional Extra] Black Open - Pore Ash Wood Trim, [Optional Extra] 20» Amg Forged 10 - Spoke Design Alloys, [Optional Extra] Amg Night Package, [Optional Extra] Designo Diamond White Bright, [Optional Extra] Premium Package, [Optional Extra] Total Cost Of Optional Extra Spec; # 4705, 8.4» high resolution display, Active park assist with parktronic system, AMG instrument cluster, Attention assist, Bluetooth interface for hands free telephone, Collision prevention assist plus, COMAND online nav with colour display, radio / CD / DVD / MP3, SD card, 10 GB music, Emergency Call system, speed limit assist, linguatronic voice control, Dynamic drive mode selector, Instrument cluster with 5.5 - inch TFT multi-function display, Multi function trip computer, Outside temperature gauge, Remote boot release, Service indicator (ASSYST), Speed sensitive steering, 2 USB ports, Burmester surround sound system, DAB digital radio module, Frontbass loudspeakers, Steering column mounted multifunction controls, Adaptive brake lights, AMG boot lid spoiler in body colour, AMG front, rear apron and side skirts, AMG performance exhaust system, Auto dimming driver's door mirror, Auto dimming rear view mirror, Body coloured bumpers, Electric adjustable / heated / folding door mirrors, Electric windows one touch open / close, Green tinted glass, Heated windscreen washers, Intelligent LED headlight system with active Light System, cornering light function, Adaptive High Beam Assist and blue LED locator lighting, LED daytime running lights, LED tail lights, Rain sensor windscreen wipers, Side windows surround in polished aluminium, Wind deflector, 2 cupholders in front centre console, 2 rear head restraints, 3 spoke AMG steering wheel in Nappa leather / Dinamica, 40 / 20/40 split folding rear seats, Advanced multicolour ambient light and LED interior light, AMG floormats, AMG illuminated door sills, AMG performance seats, Artico leather dashboard and beltline with contrast stitching, Auto dual - zone climate control system, Auto Mercedes - Benz child seat recognition sensor, Door courtesy lamps, Electric front seats, Electric height adjustable front seats, Electric height / reach adjustable steering column, Front centre armrest with storage compartment, Front footwell illumination, Grey seatbelts, Heated front seats, Illuminated front / rear door handle recesses, Illuminated glovebox, Isofix rear child seat fastenings, LED reading lights, Nappa leather upholstery, Sports pedals with stainless steel surfaces and rubber studs, Steering wheel gearshift paddles, Sunvisors with illuminated vanity mirrors, Exclusive pack - C class, Memory pack - C Class, Storage pack - C Class, 2 rear seatbelts, ABS + BAS, Active bonnet, Adaptive brake system, Drivers knee airbag, Drivers pelvis airbag, Dual stage Driver / Passenger Airbags, Electronic parking brake, ESP with ASR, Front side airbags, Hill hold control, Hill start assist, Red brake calipers, Tyre pressure monitoring system, Warning triangle and first aid kit, Window airbags, Alarm system / interior protection / immobiliser, Chrome surround electric key, Keyless entry and keyless start, Remote central locking, AMG rear axle limited slip differential lock, AMG Ride Control sports suspension, Tyre inflationhigh resolution display, Active park assist with parktronic system, AMG instrument cluster, Attention assist, Bluetooth interface for hands free telephone, Collision prevention assist plus, COMAND online nav with colour display, radio / CD / DVD / MP3, SD card, 10 GB music, Emergency Call system, speed limit assist, linguatronic voice control, Dynamic drive mode selector, Instrument cluster with 5.5 - inch TFT multi-function display, Multi function trip computer, Outside temperature gauge, Remote boot release, Service indicator (ASSYST), Speed sensitive steering, 2 USB ports, Burmester surround sound system, DAB digital radio module, Frontbass loudspeakers, Steering column mounted multifunction controls, Adaptive brake lights, AMG boot lid spoiler in body colour, AMG front, rear apron and side skirts, AMG performance exhaust system, Auto dimming driver's door mirror, Auto dimming rear view mirror, Body coloured bumpers, Electric adjustable / heated / folding door mirrors, Electric windows one touch open / close, Green tinted glass, Heated windscreen washers, Intelligent LED headlight system with active Light System, cornering light function, Adaptive High Beam Assist and blue LED locator lighting, LED daytime running lights, LED tail lights, Rain sensor windscreen wipers, Side windows surround in polished aluminium, Wind deflector, 2 cupholders in front centre console, 2 rear head restraints, 3 spoke AMG steering wheel in Nappa leather / Dinamica, 40 / 20/40 split folding rear seats, Advanced multicolour ambient light and LED interior light, AMG floormats, AMG illuminated door sills, AMG performance seats, Artico leather dashboard and beltline with contrast stitching, Auto dual - zone climate control system, Auto Mercedes - Benz child seat recognition sensor, Door courtesy lamps, Electric front seats, Electric height adjustable front seats, Electric height / reach adjustable steering column, Front centre armrest with storage compartment, Front footwell illumination, Grey seatbelts, Heated front seats, Illuminated front / rear door handle recesses, Illuminated glovebox, Isofix rear child seat fastenings, LED reading lights, Nappa leather upholstery, Sports pedals with stainless steel surfaces and rubber studs, Steering wheel gearshift paddles, Sunvisors with illuminated vanity mirrors, Exclusive pack - C class, Memory pack - C Class, Storage pack - C Class, 2 rear seatbelts, ABS + BAS, Active bonnet, Adaptive brake system, Drivers knee airbag, Drivers pelvis airbag, Dual stage Driver / Passenger Airbags, Electronic parking brake, ESP with ASR, Front side airbags, Hill hold control, Hill start assist, Red brake calipers, Tyre pressure monitoring system, Warning triangle and first aid kit, Window airbags, Alarm system / interior protection / immobiliser, Chrome surround electric key, Keyless entry and keyless start, Remote central locking, AMG rear axle limited slip differential lock, AMG Ride Control sports suspension, Tyre inflationHigh Beam Assist and blue LED locator lighting, LED daytime running lights, LED tail lights, Rain sensor windscreen wipers, Side windows surround in polished aluminium, Wind deflector, 2 cupholders in front centre console, 2 rear head restraints, 3 spoke AMG steering wheel in Nappa leather / Dinamica, 40 / 20/40 split folding rear seats, Advanced multicolour ambient light and LED interior light, AMG floormats, AMG illuminated door sills, AMG performance seats, Artico leather dashboard and beltline with contrast stitching, Auto dual - zone climate control system, Auto Mercedes - Benz child seat recognition sensor, Door courtesy lamps, Electric front seats, Electric height adjustable front seats, Electric height / reach adjustable steering column, Front centre armrest with storage compartment, Front footwell illumination, Grey seatbelts, Heated front seats, Illuminated front / rear door handle recesses, Illuminated glovebox, Isofix rear child seat fastenings, LED reading lights, Nappa leather upholstery, Sports pedals with stainless steel surfaces and rubber studs, Steering wheel gearshift paddles, Sunvisors with illuminated vanity mirrors, Exclusive pack - C class, Memory pack - C Class, Storage pack - C Class, 2 rear seatbelts, ABS + BAS, Active bonnet, Adaptive brake system, Drivers knee airbag, Drivers pelvis airbag, Dual stage Driver / Passenger Airbags, Electronic parking brake, ESP with ASR, Front side airbags, Hill hold control, Hill start assist, Red brake calipers, Tyre pressure monitoring system, Warning triangle and first aid kit, Window airbags, Alarm system / interior protection / immobiliser, Chrome surround electric key, Keyless entry and keyless start, Remote central locking, AMG rear axle limited slip differential lock, AMG Ride Control sports suspension, Tyre inflation kit

$ 4,500 seems expensive, but if you add up the cost of a full high quality body kit + suspension + wheels + tires + paint, you will be close to $ 4,500 in no time.

To take a high - profile tablet in comparison, the closest Google Nexus 7 (2013) model costs $ 229.95, but you get double the onboard storage (16 GB) and a much higher - resolution screen (1,920 x1, 200 pixels).

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, including store closings, higher - than - anticipated or increasing costs, including with respect to store closings, relocation, occupancy (including in connection with lease renewals) and labor costs, the effects of competition, the risk of insufficient access to financing to implement future business initiatives, risks associated with data privacy and information security, risks associated with Barnes & Noble's supply chain, including possible delays and disruptions and increases in shipping rates, various risks associated with the digital business, including the possible loss of customers, declines in digital content sales, risks and costs associated with ongoing efforts to rationalize the digital business and the digital business not being able to perform its obligations under the Samsung commercial agreement and the consequences thereof, the risk that financial and operational forecasts and projections are not achieved, the performance of Barnes & Noble's initiatives including but not limited to its new store concept and e-commerce initiatives, unanticipated adverse litigation results or effects, potential infringement of Barnes & Noble's intellectual property by third parties or by Barnes & Noble of the intellectual property of third parties, and other factors, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 30, 2016, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

If the difference in closing costs exceeds the interest payments you would save with the lower interest - rate loan, then the higher - rate loan with lower closing costs could be the way to go.

Some lenders offer «no cost» refinances (actually, no out - of - pocket expenses to the borrower) by charging a higher rate of interest on the new loan than if the borrower financed or paid the closing costs in cash.

Typically, if the closing costs are high, there should be a 1 to 2 percent reduction in the interest rate.