If you've built up quite a bit of equity in your home, and you're either planning on remaining in the home for another five to seven years, or you can recoup most of the improvement costs at time of sale, a home equity loan can make sense.
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If you plan to stay in the house for longer than it will take you to recoup the closing costs, then it is worth it to refinance because, once the closing costs are paid from your savings, you will continue to save money every month.
The fact that banks had to pay out double digit rates of interest on deposits but were not able to recoup anything near that amount on loan products was cited as the reason for a number of them going out of business in the 1980s.
Although transpiration is a necessary accompaniment of nutrition, it may easily become excessive, especially where the plant cannot readily recoup itself.
In many districts the building was quite overdone, and the rent obtainable being far less than enough to recoup the guardians, the system operated as out-door relief for the able-bodied and as a rate in aid of wages.
The transfer of the seat of empire from Rome to Constantinople gave the bishops of Rome a possible rival in the patriarch of Constantinople, but the absence of an overawing court and of meddling statesmen did more than recoup the loss to the head of the Roman Church.
His own honorarium as author consisted of 200 copies, of which, however, he had to give away many to friends, to the king, the principal courtiers, the papal nuncio, &c. What remained he sold for his own profit at the price of a crown each, but the sale did not recoup him his outlay.
In this connexion it is interesting to note the account given by Severus of the synod held at Rimini in 359, where the question arose whether the bishops attending the assembly might lawfully receive money from the imperial treasury to recoup their travelling and other expenses.
To pay his first-fruits in cash, on condition that he were allowed to recoup himself by the sale of indulgences.