Sentences with phrase «much less expense»

In addition to better returns, passively «indexing» your portfolio also can save you a bundle on management fees, because it requires much less expense to manage the fixed list of stocks that make up the S&P 500 than to actively research and trade stocks based on complex strategies.

Apart from the two scenarios above however, in my opinion it doesn't make sense to work with a subsidy / vanity outfit because they charge large fees for services you can do yourself for free or much less expense (e.g., copyright registration, $ 35 to do online yourself, $ 200 or more for a vanity / subsidy publisher to do for you), typically bundle services into packages that include items you don't need or don't want to pay for, and they also require you to use their editors, cover designers, etc..

We believe we can more effectively reach candidates through electronic means and at much less expense.

EDUCATION doesn't hurt at all and I doubt anyone thinks so and so is a better mother because she makes her own baby food... but, it is good to know that you can make perfectly healthy food for much, much less EXPENSE (an Orthonomic note!)

Not exact matches

A 2015 report from the Federal Reserve found that nearly half of Americans wouldn't be able to afford an unexpected $ 400 expense, which means that they're ill - equipped for any surprise, much less an expensive emergency.

So my guess is for every dollar lost you need about 40 cents, because your expense line is much less.»

So - called bonus depreciation is set to expire this year, and rules (in Section 179 of the tax code) that allow small companies to take big deductions for many expenses are set to become much less generous.

Much of this performance would have been the result of almost non-existent fees such as mutual fund expense ratios that he would have paid, which most likely would have been less than 0.25 % per annum.

For C corps, they can claim more tax deductions than a partnership may be able to, write off benefits for employees (like health insurance) as business expenses, and are at much less risk of being audited as opposed to an LLC or sole proprietorship structure.

As previously stated, Social Security benefits are often insufficient to cover all living expenses, much less to build savings to leave to future generations.

I found that at the point I'd be ready and comfortable to retire, my expenses would be $ 1,960 per month, requiring a portfolio of $ 588k at a 4 % withdrawal rate — much less than Joe's $ 750k.

Despite the cost of monthly student loan payments, many are spending just as much as their less - indebted counterparts, choosing instead to cut back on savings in favor of other expenses.

ETFs are less expensive than mutual funds as they operate at a much lower Total Expense Ratio (TER), typically 0.5 % — 0.75 % because most ETFs are not actively managed and because ETFs are insulated from the costs incurred by unit trusts of having to buy and sell securities to accommodate shareholder purchases and redemptions.

I think the point is this man was granted generosity by strangers in the 1940s... most people may help someone out, but not at their own expense, much less their family and very lives.

In such a set, there is much less control, oversight, and expense.

The extra UKIP votes in 2014 appear to be at the expense of the Conservatives, and also (though to a much lesser extent) at the expense of the Liberal Democrats.

Matter of fact, that would enable people to VERY effectively circumvent estate taxes (which are currently astronomically high) using the latter approach, since high income wouldn't be taxed as much anymore - so you set up a corporation which you own, have all your income go to that; and expense 100 % of that income as salary to your kids who have less wealth).

In contrast, nearly all M.D. / Ph.D. trainees are supported by fellowships that pay tuition, a salary, and other expenses as they earn their dual degrees, so they end their training with much less education - related debt.

With a monthly income of less than $ 100, it isn't likely that Zemen's family will be able to afford the trip, much less the $ 5,000 in expenses once she arrives in Jordan.

There is much less relation between speed - strength and maximum strength, and improved performance in one will not necessarily result in any improvement in the other (in some cases, certain kinds of training can improve one at the expense of the other).

I BARELY made enough to eat cover my living expenses much less go shopping.

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

But unfortunately, the scripting is much less successful, bouncing from incident to incident without much momentum or purpose, and never really digging into its characters or its setting (it feels like the novel's been faithfully put on screen beat - for - beat, but at the expense of any depth).

Online tutors generally cost less (there are no travel expenses involved, for one) and they can cover much more ground when they're tutoring just one child.

A TalentLMS - based lifelong learning program is much less costly than classroom based training, both for the learners and the learning provider, as it incurs no costs for renting physical space, travel expenses, or equipment costs.

(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.

Looking at your listing, I wouldn't think I would earn my expenses, much less my narration fee, over the term of the contract.

Suggestions include eBook copies and a gift card equal to the amount of the paperback; if you're book is listed on Book Depository, they have free shipping internationally, so you could offer to mail a personalized book plate (i.e., sticker) with a special inscription and your autograph, which is much less of a postage expense and you can include a personalize card.

Our affordability checks ensure that we never: • Grant a loan to someone who is unemployed • Loan to someone with too many expenses who would not be able to pay it back • Lend too much to a customer when they are better off borrowing less

You'll be adding all of your income, subtracting your expenses and seeing how much — more or less — you'll need to live on.

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 %).

Repayment can be much less of a burden after graduation when students are (constantly) reminded that student loans should only be taken out for what is absolutely necessary to pay for education - related expenses.

While looking over my various accounts during this process, I realized it's been a while since I've evaluated some recurring expenses to see if our family can save more money without too much effort (less powerful financial maneuvers, if you will).

It is able to do this at the expense of the cash value, which is going to be much less than other permanent life insurance policies.

However, because most lenders also prefer that your total property expenses, including taxes and insurance as well as mortgage payments, total less than around 30 % of your monthly income, they will also take into account how much you wish to borrow.

I know that doesn't decrease the cost, but I'm much less likely to feel the need to withdraw money if I have a few $ 800 expenses rather than one big expense of $ 2,500.

Thanks CC, I appreciate the opportunity to discuss this as I find «educated» people are the hardest ones to communicate with about SM, they can use their knowledge (consciously or subconsciously) to duck and dodge what seems to me is the inescapable logic of the superiority of SM in the case of most people who are in position to do it (this I know not from technical analysis or anything, just looking at people who have as much or more income than I do, with similar expenses, but they have half the house or less and are going nowhere fast with their debt to asset ratio and their retirement savings are going to be inadequate if they don't change what they are doing).

i am paying all the mortgage, but since she is earning much less then me, we agreed that her spending half of common household expenses is larger % of her salary, so these things are considered balanced by us.

Those expenses tend to arise much less frequently, but they hit your wallet hard.

You can spread out these payments and make budgeting much less stressful if you regularly put a bit of money aside to pay for expenses such as these.

As previously stated, Social Security benefits are often insufficient to cover all living expenses, much less to build savings to leave to future generations.

If you can afford the additional out - of - pocket expense that a $ 500 or $ 1,000 deductible would require, the premiums you'd pay for your San Angelo Insurance policy could be as much as 25 % less than you'd pay in a policy with a lower deductible.

In addition to paying much less interest you can also save from interest expense tax deduction because these secured loans are tax - deductible.

A Canadian investor can easily build a low - cost portfolio with all - in expenses for much less than 0.5 percent.

This can be very expensive, yet if a case is heard under the «small claims» system, costs are not awarded (although a judge could decide either side may need to pay for a limited amount of the other party's expenses), making it a much less risky bet.

Not that I am bullish on the stock market now, but under most conditions, the stock market outperforms the returns that insurance companies before expenses, much less after expenses.

If you expense too much you qualify for less and if you don't take legitimate expenses you pay additional income tax.

On top of that, a variable annuity gives you much less investment choice and you'll face much higher expenses.

For example, in a 401 (k) I was recently looking at, the target - date funds had an expense ratio of about 0.65 % and included about 10 funds, but the diversification was pretty good, and 0.65 % is much less than other 401 (k) choices I've seen.

After making these adjustments to reduce job related expenses and add increased retirement expenses our retirement spending plan was not much less than our working years spending plan; certainly not the 70 % rule of thumb I've often read.