The Electronic Membership Program * offers
substantial savings due to reduced mail and print costs.
Not exact matches
The
savings on interest alone
due to the monthly schedule can be
substantial.
Among them are deleterious effects on children of unregulated and often substandard childcare; [9] lost productivity for employers
due to parents missing work to handle gaps in childcare or to care for a sick child; [10] lost wages and reduced retirement benefits for parents who have to drop out of the labor market to provide at - home care for their young children; [11] a
substantial downward pressure on the wages of childcare workers with effects on the quality and stability of the childcare workforce; [12] and lost opportunities for further education, [13] college
savings, and other investments that working parents could make in themselves and their children but can not afford because they are spending most or all of their disposable income on childcare.
We also get people concerned that a Kindle will be a bad long - term investment
due to the stranglehold of the Agency Model on pricing, which results in less
substantial savings than seem reasonable.
The primary consumer protection problem areas that have given rise to the States» actions include: (1) unsubstantiated claims of consumer
savings; (2) deceptive representations about the length of time necessary to complete a debt relief program; (3) misleading or failing to adequately inform consumers that they will be subject to continued collection efforts, including lawsuits, and that their account balances will increase
due to extended nonpayment under the program; (4) deceptive disparagement of consumer credit counseling; (5) deceptive disparagement of bankruptcy as an alternative for debtors; (6) lack of screening and analysis to determine suitability of debt relief programs for individual debtors; (7) the collection of
substantial up - front fees so the debt relief company gains even if it fails to perform; (8) lack of transparency and information for consumers as to payment of fees, status of accounts, and communications with creditors; (9) significant delays in active negotiation or engagement with creditors, coupled with prohibitions on direct consumer communications with creditors; and (10), in the case of debt settlement companies, basing
savings claims (and settlement fees) not on the original account balance, but on the inflated amount
due (including late fees and default rates of interest) at the time of settlement.
This building envelope improvement may have been responsible for as much as 3 % of the cooling energy use difference, leaving the
substantial portion of the
savings being
due to the sealed attic with the air distribution ducts inside the air and thermal barrier.