Sentences with phrase «without factoring»

While the latest census median annual household figure income is now $ 43,524, it was $ 38,584 back in 2006, which is a net increase of $ 4,940 Subtract from that the median mortgage repayment increase of $ 5,208 and a mortgage broker's clients could be up to $ -268 better off each year even without factoring in mortgage rate cuts.

But if we assume I'm paying at least an extra $ 25 / unit / month that's a 40 month B / E period (without factoring in time value of $) so that's still pretty good... I think I may pursue this route.

CPA Bettina Clairmont saw that mortgage brokers were persuading her tax clients to take on the largest loan possible without factoring in the consequences.

This is all costly in bare economic terms even without factoring in the personal cost to the people who have been relocated from their homes.

So even without factoring in any associated personal property loss, you're still coming out ahead.

It's situations like these and dozens others that has led us here at TermLife2Go to search far and wide for a quality life insurance company that will offer complete term life insurance coverage WITHOUT factoring travel destinations in its underwriting process!

For instance if your car is damaged in a collision and you make a claim with the insurer you will be reimbursed the total repair cost without factoring in the depreciated value of the car.

Zero Depreciation cover simply means comprehensive cover without factoring in for depreciation.

Zero depreciation cover, also called «zero dep» policy, offers complete coverage without factoring in depreciation.

While some of these items are obvious, many accident victims make the mistake of settling without factoring in their future expenses, less - obvious losses, and non-economic damages.

While some of these items are obvious, many accident victims make the mistake of settling without factoring in their future expenses, less - obvious losses, and

The entire course can cost up to $ 100,000 without factoring in other costs during the undergraduate study.

And this is without factoring in the money saved over a lifetime of tiny heating bills.

The commentary, published in the British scientific journal, Nature Climate Change, estimated the impact of consuming the fuel from oilsands deposits â $» without factoring in greenhouse gas emissions associated with extraction and production â $» would be far less harmful to the planet's atmosphere than consuming all of the world's coal resources.

That is, even without factoring in coal prices rising faster than inflation over the next 40 years.

And this is without factoring in economies of scale.

At a rough estimate the 7 million tons that Drax will use may consume 4 TWh without factoring in energy used or emissions created from handling and shipping them from those southern US states.

Even though the game was very successful in terms of sales (Steam Spy counts almost five million and a half owners, and that's without factoring PlayStation 4 and Xbox One data), the company had to say goodbye to $ 40 million which went to Trendy in a settled lawsuit.

Without factoring in other differences, Digital Foundry created an «in theory» experiment - does this advantage translate into actual gameplay?

With this in mind, Oculus Rift appears to be the more future - proof device, and that's without factoring in FaceBook's backing.

second NPD is regional market report, it is insignificant without factoring in total worldwide market share, market share is the biggest foundation for console platform successes.

In all fairness, paying $ 95 for 40,000 miles is a bargain, considering earning the same number of miles through non-bonuses manufactured spending (without factoring in shopping portal cash back bonuses) would cost at least $ 340.

When it comes to rewards cards for grocery shopping, the American Express EveryDay Preferred card's rate of 3 percent on U.S. supermarket purchases — with an annual cap of $ 6,000 — ranks near the top of the list, even without factoring in the opportunity to score bonus points on the category.

If you hit the max annual bonus on each of the four cards, you can earn 100K MQMs per year on an ongoing basis (meaning without factoring in sign - up bonuses).

This means you can purchase these miles at a rate of 1.35 cents per mile (you can buy up to 200,000 miles without factoring in the bonus).

And that's without factoring various Marriott promos that you can often utilize to further your savings.

(And that's without factoring in a budget.)

According the USDA, it costs $ 245,340 to raise a child to age 18, and that's without factoring in the cost of college.

@CC: I understand, but if you use the after tax return on the earnings as your discount rate (without factoring in any PV savings from the deferral of tax on the earnings), my guess is that you will still get a relatively nominal current tax cost on the capital even if you're paying high rates at withdrawal.

You can't adequately prepare for retirement without factoring Social Security into your plans.

Even WITHOUT factoring in investment returns, etc. — would you rather payoff your mortgage with today's dollars or dollars from 15 years in the future when you know (with 99 % certainty) that the value of a dollar will be less?

So even without factoring in any associated personal property loss, you're still coming out ahead.

Without factoring the tax impact from equity loan interest deduction, you have spent $ 1,000 plus the difference in interest cost from the minimum withdrawal and your investment.

Researchers at the University of Miami determined when a free gift is offered with a purchase, you're more than twice as likely to fork over the funds, without factoring in the total price.

The combined management fee is 0.17 % p.a. and the weighted dividend yield is 2.55 % without factoring in franking credits.

Too often people think about how much income they'll need to maintain their standard of living without factoring in the impact of taxes.

And that's without factoring in inflation, which will erode your purchasing power over time.

Many people only look at the cost of the item without factoring in the interest costs, which only get bigger the more time the loan is paid off.

If you get a magazine subscription online you tend to contrast that with the Kindle price — without factoring in that you pay a separate fee for your Internet connection.

Even without factoring in the culture of other countries and the availability of wifi / 3G coverage there, I know quite a few hardcore readers like my parents who won't even consider eBooks.

Mazda contends that with the addition of standard AEB, which was previously part of an optional safety pack, most models are now about $ 1000 cheaper than before, without factoring in a range of other new standard features.

By providing resources to schools without factoring in the role of outside dollars, Washington allows the most affluent students and their schools to receive more money than the students and schools who have the highest need.

For instance, sending a two page colour newsletter to 250 parents, ten times a year could cost a school more than # 1000 alone, without factoring in any other letters or flyers that would need to be sent home.

For example, there is no satisfactory way to make judgments about which method of teaching reading is superior — whole language or phonics — without factoring in the socioeconomic, school, and teacher characteristics of each of the groups of students in the experiment.

Those dollars nearly doubled per - student allocations in New Orleans, lifting the figure above $ 12,000, even without factoring in support from foundations and individual donors (see Figure 3).

You can't find dresses like this in stores, especially after reading your latest post that details its construction, or maybe you can find something similar but it would be waaay beyond my budget, even without factoring in the pricelessness of being hand - made.

Stress is often the culprit since cortisol increases blood sugar without factoring in other variables.

If you partner makes all of the decisions without factoring in your thoughts, he / she is abusing you, by stripping you of your autonomy.

Trying to grasp this space weather without understanding the corona is like predicting hurricanes without factoring in the ocean, Guhathakurta says.

Definitively identifying traces is tough enough on Earth without factoring in the many unknowns of an alien environment.