Fees As mentioned, interest is
the largest cost associated with home equity loans.
«Steam is
the largest cost associated with producing oil in these thermal projects,» says GlassPoint vice president John O'Donnell.
He added that potential developers have been put off from creating applications that can be used in schools because of
the large costs associated with making them work on different systems.
Mobile home insurance represents one of
the largest costs associated with manufactured homes.
While GDC can be a significant event for attendees,
the large costs associated with it mean that many can't be there.
The price of fuel is only going to go up in the future, along with the other
large costs associated with maintaining delivery fleets.
Not exact matches
How the process works is that participating ISPs and
large content providers agree to «exchange» traffic such that the
costs that would normally be
associated with paying another ISP more or less zero out (called a «settlement - free exchange»).
While
large retirement plans and certain index funds have a reputation for being less expensive, that isn't always the case because of the
costs associated with administering the plans, Blanchett said.
This type of payment makes sense for lenders because it reduces the
costs associated with processing a loan payment, and more frequent direct debits (daily or weekly) make it possible for the lender to identify any potential repayment issues early — giving them time to try to help borrowers catch up on any loan payments they may have missed and mitigate
larger credit issues down the road.
If the
costs associated with underwriting a $ 50,000 loan are similar to those of a $ 500,000 loan, it's hard to blame the banker for preferring the
larger loan amounts.
Francesca Lagerberg, global leader for tax services at Grant Thornton, said: «There is a
large opportunity
cost for companies
associated with male - only executive boards.
Higher transaction
costs Due to a typically
large spread between bid and offer prices, and higher transaction
costs associated with less liquid securities, trading high yield bonds can be costly.
Therefore it's typically intended as final expense insurance, offering a
large enough death benefit to cover a funeral and other
costs associated with your passing.
You will certainly have area plays; stories
associated with cobalt in mafic and ultramafic complexes around the world, including Canada and Australia, but my experience has been that the concentrations of cobalt, particularly in Canada, are never
large enough that Canadian companies can be low on the
cost curve unless they're producing it as a by - product of nickel or some other ultramafic substances.
While the mortgage is certainly the
largest and most visible
cost associated with a home, there are a host of additional expenses, some of which don't go away even after the mortgage is paid off.
However, issues
associated with exporting milk include, short shelf life,
large transport and storage
costs.
According to those officials present, despite the fact that Houston is the seventh
largest school district in the country and therefore a major consumer of milk, the profit margins for dairies supplying schools (as opposed to private entities) is extremely low and would be wiped out by the manufacturing
costs associated with making such changes.
Additional household expenses
associated with having a child in your home, such as the
costs of
larger home and additional furniture to accommodate a child
In its analysis of administration
cost savings caused by the Public Bodies Reform programme, the National Audit Office (NAO) decided to exclude bodies
associated with the Department of Health (the department subject to the
largest administration
cost changes), saying «the major reorganisation and transfer of functions between NHS bodies since 2010 made the analysis too problematic» (NAO 2014, p. 40).
The least poorly funded schools tend to be rural schools in low income rural areas with an insufficient local tax base to support them and with high
costs associated with a lack of economies of scale and
large transportation
costs for students.
«To give some sense of this, the opioid crisis is a problem that is magnitudes of order
larger than the
costs associated with weather - related disasters in 2017,» said Goetz.
«The use of a solarized supercritical carbon - dioxide Brayton cycle would increase efficiencies, reduce space requirements and reduce
costs associated with current
large - scale concentrating solar power systems.»
A switch from driving to walking or bicycling for round trips under eight kilometers (about five miles) in just the 11
largest cities in that region could save nearly 1,300 lives and $ 8 billion annually in
costs associated with sick days, hospitalizations, and deaths, according to a 2011 study led by Maggie Grabow, a researcher also working at the Global Health Institute.
Because of the exorbitant sunk
costs associated with the lengthy trip, the NSF, which funds the United States Antarctic Program (USAP), tends to send the good stuff; just a few dozen paces from the station lies a
large wooden crate, stuffed to the brim with lobster tails.
This theory was first put forward to answer the puzzle surrounding why animals, including humans, would evolve a
larger brain, given the «
cost»
associated with developing and maintaining a
larger brain.
A separate, unpublished and preliminary economic analysis carried out by the team estimates that implementing
large - scale cryogenic systems into coal - fired plants would see an overall reduction in
costs to society of 38 percent through a sharp cut in
associated health - care and climate - change
costs.
Cymerus is a patented stem cell manufacturing process that avoids the problems often
associated with deriving MSCs and primary tissue sources, and has the potential to generate
large - scale, low -
cost MSCs based on a single blood donation from one adult donor.
In a paper recently published in the journal Energy & Environmental Science, a team led by chemical and biological engineering Professors Christos Maravelias and George Huber outlined a tool to help engineers better gauge the overall yield, efficiency and
costs associated with scaling solar - fuel production processes up into
large - scale refineries.
This
large uncertainty makes it difficult for a cautious policy maker to avoid either: (1) allowing warming to exceed the agreed target; or (2) cutting global emissions more than is required to satisfy the agreed target, and their
associated societal
costs.
We had so many clients move over to ad - based websites, they were expecting
large volumes of traffic growth and they didn't want to have
cost associated with our services.
The best sites are those who have a
large and varied data base with no
associated costs for memberships.
We recognised the need to give the control back to schools and help them find supply teachers without the substantial
associated costs and, likewise, for supply teachers to find work without having to forgo
large portions of their salary.
The research literature generally finds that unionization is
associated with higher per - pupil
costs and lower student achievement, but those findings are not very
large and are sometimes inconsistent.
If you move towards internet - based devices, then rather than having a
large capital outlay on hardware and
associated maintenance and support
costs, you could become a «serverless school» where services and systems are delivered to staff and students through the internet.
The true nature of market forces shows up as smaller charters are muscled out by
large networks, whose business models require that they expand enrollment, favor locations with more generous public per - pupil reimbursements, and reduce exposure to expenses
associated with working in distressed areas, such as a greater concentration of high - need students and high insurance
costs.
Given the
large and growing
costs associated with maintaining teacher pension systems, and the lack of evidence regarding their efficacy, experimentation by traditional and charter schools with alternative retirement benefit structures would be useful.
- The
largest pension burdens are also
associated with states that directly cover the
cost of local school teacher pensions.
According to the U.S. Department of Education, the higher percentage of dropouts from
large schools are
associated with serious, additional societal
costs such as crime and lifetime earnings.
This example shows that a
large district over time can adjust the variable
cost associated with employing teachers.
Lower revenues might create opportunities for smaller, nimble publishers who can innovate without having to service the huge
cost structures
associated with the
large corporate publishers.
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.
Therefore it's typically intended as final expense insurance, offering a
large enough death benefit to cover a funeral and other
costs associated with your passing.
While the
cost of placing your loan with a private collection agency is usually the
largest collection
cost you may face if you default, there may be other collection
costs, such as Treasury offset processing fees and
costs associated with potential civil litigation from the Department of Justice.
If the
costs associated with underwriting a $ 50,000 loan are similar to those of a $ 500,000 loan, it's hard to blame the banker for preferring the
larger loan amounts.
This type of payment makes sense for lenders because it reduces the
costs associated with processing a loan payment, and more frequent direct debits (daily or weekly) make it possible for the lender to identify any potential repayment issues early — giving them time to try to help borrowers catch up on any loan payments they may have missed and mitigate
larger credit issues down the road.
Paying the
costs associated with a RAL could be a
large price to pay for getting your money a few days quicker.
The
largest cost is usually
associated with a fixed rate mortgage and the payout penalty; interest differential penalty (IRD) or Three - month interest penalty.
«Investment Fund MER generally represents the
largest component of
costs associated with owning an Investment Fund,» the MFDA said.
The transition index will be used for approximately one year to reduce the
costs associated with trading
large amounts of securities in a short period.