The best way to cut closing costs, she said, is to negotiate as ferociously as possible about items like points, application fees, appraisal fees, legal fees and " junk fees " like commitment fees and document processing charges.
22.
Unless discounts are available to authors from countries with low incomes or external funding is provided to cover the cost, article processing charges could exclude authors from developing countries or less well-funded research fields from publishing in open access journals.
23.
Providian charges its extra fees _ such as a $ 49 one-time processing charge for its unsecured 23.9 percent Visa Classic _ in an effort to insulate itself from losses if consumers default, according to Ellen Richey, Providian's executive vice president.
24.
Another concern is that institutional budgets may need to be adjusted in order to provide funding for the " article processing charges " required to publish in many open access journals ( e . g . those published by BioMed Central ).
25.
Providian charges its extra fees _ such as a $ 49 one-time processing charge for its unsecured 23 . 9 percent Visa Classic _ in an effort to insulate itself from losses if consumers default, according to Ellen Richey, Providian's executive vice president.
26.
The latter is a journal whose business model is at least partially based on subscriptions, and only provide Gold open access for those individual articles for which their authors ( or their author's institution or funder ) pay a specific fee for publication, often referred to as an article processing charge.
