Sentences with phrase «spend on closing costs»

The USDA loan program is ideal for someone who wants to buy a home, but may not have a lot of money to spend on closing costs or a down payment.

To know whether refinancing makes sense, you'll need to add what you'll spend on closing costs into the calculation of your new monthly payment.

For many families with limited budgets, what is spent on closing costs is less important than a significantly lower monthly mortgage payment.

Not only did Ashley want to use her cash to fix up the house instead of spending it on closing costs, it was highly unlikely she would be in that house for more than 10 years.

That's because you'll have plenty of time to recoup what you spent on closing costs and build equity in the home you've purchased.

Not exact matches

Still, Heinze says she was a bit anxious about putting in an offer and closing on the property because other than her educational costs, this was the most she's ever spent.

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

Spending all or most of their savings on the down payment and closing costs is one of the biggest mistakes first - time homebuyers make, Conarchy says.

What many people may not know is that one in nine people on earth don't have enough food to lead an active life, or that food loss and waste costs the global economy $ 940 billion each year, an amount close to what the entire UK government will spend in 2016.

This is just classic sunk cost thinking — we spent the # 3 overall pick on him, therefore, we have to get back value close to that.

Also in the report, the magazine referenced research that suggested a typical family with two kids playing sports will spend close to 14 percent of their income on participation costs.

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»

The Padres have avoided any move that costs them their first pick in 2015, the Yankees don't seem interested in spending on a pitcher this winter, the Giants have closed the door on Shields... who is going to get him?

With a day to go in the window West Ham have spent a net # 43 million on transfers and loan fees made up of 10 incoming players at a cost of # 53 million and the departure of James Tomkins for close on # 10 million.

Simpson says it's important to have a U.S. agency that keeps a close eye on health care quality, noting a 2011 Institute of Medicine report that found 30 % of the $ 2.5 trillion the United States spends annually on health care is wasted on unnecessary services and other needless costs.

It's costly, it probably costs the school close to $ 10 000 a year, because that requires us to release teachers every five weeks to spend half a day just planning for the next five weeks of work, but it's definitely had an impact on our classrooms.

If we assume universal participation and pick a midlevel cost — say, $ 9,000 per child, which is close to where Head Start is today and approximates average per - pupil spending on K — 12 public education — the outlay for four - year - olds would be about $ 36 billion per annum.

A lot of the extra cost will be spent on extra size and interior technical oomph, including wireless smartphone charging, connectivity and the ability to use a smartphone as a de facto key to open, close and start the car.

It has a smaller screen, which mean the cost will be a little closer to what the average person wants to spend on this type of device.

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.

In general, you should spend the extra time to calculate your own mortgage costs based on the interest rate of each mortgage you look at and the closing costs.

While some homebuyers feel they are spending too much money on various closing costs and inspections and don't wish to spend several hundred more on a home warranty, it's important to remember that you will save money overall if you have costly repairs covered by the warranty.

At that point, I was spending millions of dollars a year on advertising for our refinancing services, so I thought, «What if I took $ 1 million from advertising and used that money to pay our clients» closing costs instead?»

Ya gots to spend money to make money — the dip was largely due to closing costs on the loans.

So many people forget to factor in their closing costs for refinancing and end up spending more in fees than they save on interest (when they're only in the house for a few years after refinancing.)

A new roof can cost up to $ 10,000, but you will recoup on average all of what you spend, and possibly more, at closing.

For the year 2017, we spent close to $ 400K on the dogs, and our admin costs were slightly under 4 %, which is amazingly low, so please know your donations are well spent:).

Once you've closed on your home, putting your moving costs on a new credit card with a big sign - up bonus can help you to meet the minimum spend to unlock those points or cash back.

You have just spent quite a bit on the down payment and of course on closing costs for your house.

Sellers also typically spend elsewhere, such as on closing costs that include real estate professional commissions and sales or transfer taxes, totaling an average $ 12,532.

If I haven't closed on the property yet, do I still need to track money spent on things like inspector / contractor costs during the due diligence process?

Part of the sales pitch most realtors will use when trying to sell a client on Home Partners is that they have the option to purchase the house they are renting for 5 % above what Home Partners pays for it... But, by the time you account for their above market rents, a sizable initial repair budget (that the tenant / buyer has no control over what Home Partners decides to spend), maintenance and repairs while renting (yes, the tenant will have normal repairs and maintenance costs during their lease added to their purchase price), closing costs, and the company's 5 % fee - you should expect a right to purchase price that is more like 10 - 15 % higher than the original purchase price.

You'll save on closing costs and renovation costs, as there's no need to spend money bringing the dwelling up to code.

It's part of the sales technique: «you wont have to fix up, clean up, or spend a dime on commissions or closing costs.»

Spending all or most of their savings on the down payment and closing costs is one of the biggest mistakes first - time homebuyers make, Conarchy says.

Again, it's essential to recognize that you'll likely have to spend a few thousand on closing costs and a few other items, but once you've turned a profit, you'll pay back the mortgage and any other expenses and have some left over.