Sentences with phrase «large time savings»

He says one - step conditioner shampoos are becoming popular as they represent a large time savings.

Not exact matches

Uncle Sam is likely to be far less generous in social security payments by the time I will reach 65, pensions are by and large a thing of the past and savings accounts pay about as much as the mattress you hide your money under does.

The government estimates that the move will cost Canadians roughly $ 333 - million per year, five times larger than the savings from eliminating the tariffs on sporting equipment and baby clothing.

Adding insult to injury, the puny effective tax saving to those tax - filers from the capital gains partial inclusion (worth $ 7.50 in federal taxes at the 15 % marginal rate) was only half the effective savings pocketed by the top 1 % tax - filers (realized at a 29 % rate) on EACH $ 100 of their capital gains partial inclusion (which was then applied against a capital gains flow that was 600 times larger).

When hard economic times hit — either in your personal economy or in the larger economy — people are tempted to raid their retirement savings without fully understanding the repercussions.

For a house this expensive, lenders require a larger down payment — 20 % of the home value — so Martin is limited to a house worth five times his savings (minus that cash reserve equaling three months» payments).

There are times when you need to pay for a large expense but don't have the money in your savings.

The initial outlay is typically larger, but it can be shown that within a short time savings cover this initial cost.

Participating cadets receive a large basket of range balls per day, unlimited play on the course after 12:00 pm during regular time and after 1:00 pm during daylight savings time.

The Times reported today that the Welfare Secretary Iain Duncan Smith has reached a deal with the Treasury over his budget, and secured a large pot of money (clawed back from bigger savings) to pursue his welfare reforms.

The Times reported that the department for work and pensions (DWP) would be able to claim upfront a «large chunk» of the # 9bn annual savings which Mr Duncan Smith believes the new system will achieve through lower administration costs and reduced fraud.

You may get lucky and find a good suit at a nice price, but most of the selection tends to be in odd sizes — small or very large — and the time and expense of getting there may mitigate any savings.

This will allow scientists to assess whether they need to ramp up their savings, dial down their spending plans, delay retirement to get a larger pension, or go for a part - time job.

Because we have developed the Knowledge Guru platform in - house, we are able to bundle games into large, blended learning curriculums in order to drive cost and time savings.

In his time in the legislature he has passed significant education reform legislation such as expanding choice options for children with special needs, children trapped in failing schools as well as the nation's largest Educational Savings Account program.

(source) Of course, actual fuel savings probably won't be as large for everybody as it is for me - it seems to help to live in a hilly area or drive a lot of stretches where it's downhill enough to maintain speed coasting but not with the transmission engaged, and it applies mostly to city driving - but it seems like there is still enough savings that it would more than pay for engineering time to developing an improved transmission program.

However, the savings only really make sense if you plan on driving on electric power a large proportion of the time.

Putting large amounts of money (in excess of $ 50K) in savings that earns almost nothing while at the same time maintaining debt will reduce your total wealth significantly over time.

OTOH Once you've maxed out the tax deferred savings, or if you need to set aside money for large purchase with a big time horizon that is short of retirement age, then making regular monthly investments in a no - load index fund with a quality company is a great way to go as you will be taking advantage of Dollar Cost Averaging, and a good deal of diversity, which is a great way to put money into the market.

ROTH conversions, various withdrawal strategies, and large one - time events can all be modeled to determine your optimal savings and withdrawal strategy.

Typically, younger participants with a longer time horizon to retirement have sufficient time to recover from market losses, their investment risk level is higher, and they are able to make larger contributions (depending on various factors such as salary, savings, account balance, etc.).

If you will be making a large one - time purchase that you need time to pay off, a card with a 0 % intro APR can lead to more short - term savings, provided you can pay off the balance before the introductory APR expires.

Instead they're comforted by large amounts of cash accumulated over time in a savings account, without regard of the effects of inflation.

Workers living in a society in which Buy - and - Hold is popular can lose a large portion of the accumulated savings of a lifetime in a small amount of time.

Unlike a chequing account, typically meant for the day - to - day business of paying bills, high - interest savings accounts are intended to be used to save money over a long period of time without a large number of transactions.

This can be beneficial — especially for first - time buyers or buyers without significant savings — as you set aside a small amount each month instead of having a large, semi-annual or annual out - of - pocket expense.

After all, more time on job gives you more time to contribute to your retirement accounts and more time for your savings to rack up investment gains, resulting in a larger nest egg.

When Leona got an unexpected large phone bill, she didn't have enough savings to cover it and had to sell some of her purchases to pay the bill on time.

Savings Deposits, MM Dep accts, Small time deposits, M3 Large time deposits

The biggest perk is having more time to save towards larger Social Security benefits and a bigger retirement savings fund in general.

There are times when you need to pay for a large expense but don't have the money in your savings.

Since retirement savings compound over long time horizons, any inefficiency or trustee bias can significantly affect the employees» wealth at retirement and have larger societal consequences as well.

This was a large purchase so I figured I would get to keep my money in my high - yield savings account and take my time paying off the purchase since it was «free money.»

At large employers, your benefits packet is loaded with information on health insurance, dental insurance, vision insurance, disability insurance, life insurance, wellness programs, stock purchase plans, flexible spending accounts, health savings accounts, time off and leave policies, and company retirement plans.

The savings are small and incremental, but just like anything else they can add up to large sums over time.

The practice of allowing customers to earn better interest rates and access larger amounts of credit through repeated on - time payments is a key element in many financial products, from mortgages to credit cards and even savings accounts.

Though the following aren't strict requirements, Earnest's users typically have positive bank account balances, a large enough of an income that they can pay both their everyday expenses as well as the loan, enough savings that they can cover at least a month of regular expenses, and a solid history of paying on time.

Over time, these special tax features can result in significantly larger IRA savings accumulations than what can be accomplished in ordinary savings tools.

I got to the point where I had a savings... it went to a down, an appraiser, and an inspector, etc... I don't have a large income, but by keeping my balances low (not zero) and paying on time, I got a decent rate on a home.

Particularly in times of financial crisis, when ever larger savings are being made in the culture budget, Jaar would like to point out that culture represents a society's true capital.

The Los Angeles Times reports that the Climate Change Research Conference, held this week, advised that if buildings and road surfaces in 100 of the largest cities in the US were covered with lighter and heat - reflective surfaces the savings could be massive.

In addition, for the very largest home water heaters, the new efficiency standards will for the first time require advanced technologies (heat pumps for electrically - powered products and condensing technology for gas products), paving the way for even bigger future savings.

Subscription - based programs come in a variety of forms, but they can all be compared by looking at how large a savings they offer over a set period of time.

Generally speaking you will make the largest savings over time if you purchase your solar panels outright yourself (whether you use cash you have at hand or finance secured against your home).

Almost 19 % of BC's «Rosenfelds» were saved in the 70 % of CO2E covered by the BC Carbon Tax, so a bit over 13 % savings in Rosenfelds (this would be more effective than any other single measure anywhere by a wide margin), and the economy of the province remained as strong as before the legislative changes so far as analysts can determine, which is pretty freaking amazing, given that the changes happened just before the largest global economic downturn in over half a century, and pretty much 95 % of the planet's economies tanked in that time.

Larry reports on new PC conferencing services that work much better and provide Web conferencing for up to 100 users for a monthly fee of $ 1,500, still out of the price range for small firms, but probably a savings on time and travel for larger companies.

If Waisberg's estimates hold true that it can reduce review time by 20 - 60 percent, those chopped hours can translate to major savings in a large deal.

In my twenty years of experience as a lawyer who does estate planning as part of his practice and teaches lawyers, financial planners and paralegals about the topic, I find that the increased litigation costs associated with a do it yourself will (on average) is about ten times as large as the savings associated with doing it yourself.

Knowing that you have a way to quickly and easily pay these expenses can be extremely beneficial, as going this route will not require you, your siblings, or other loved ones to dip into savings in order to pay — or worse, to put these costly items on credit, leaving you with a large debt to pay over time.

Even though permanent life insurance can build up considerable cash value over time, life insurance should never be purchased solely for savings or investment, as a large percentage of the premium on most any policy will be going towards paying for death benefit coverage and other policy expenses.