Sentences with phrase «back over the current year»

We can gain some insight into the mortgage trends of 2014 by looking back over the current year's trends.

Not exact matches

When you look back on this moment in history, remember that many investors ruled out the possibility of major losses over the completion of the current market cycle because they presumed relationships that could not be established in the data, and assumed the absence of any material economic or financial shock in the coming years.

If you look back over the past 20 years, you will see that the Australian current account deficit has fluctuated between about 3 1/2 per cent and 6 1/2 per cent of GDP.

The current bull market for U.S. stocks turns eight this week, providing investors with an ideal opportunity to look back on some of the best - performing stocks and exchange - traded funds over the past eight years.

Looking back through history, whenever value stocks have gotten this cheap, subsequent long - term returns have generally been strong.3 From current depressed valuation levels, value stocks have in the past, on average, doubled over the next five years.4 Not that we necessarily expect returns of this magnitude this time around, but based on the data and our six decades of experience investing through various market cycles, we believe the current risk / reward proposition is heavily skewed in favor of long - term value investors.

I didn't write about Commenders with this current situation in mind, but because I have generally been seeing an increased level of push - back against them from the spiritual abuse survivor community over the past five years.

Romero over Cech: No (If De Gea then Yes) Darmian over Bellerin: No Smalling over Gab: No Blind over Boss: No Shaw over Monreal: No for me some can argue Schneiderlin over Coq: Yes Carrick over Cazorla: No Mata over Ox / Walcott: No for me some can argue Januzaj over Ozil: No Depay ovr Sanchez: Big No Rooney over Giroud / Walcott: At current form No, Rooney of 3 - 4 years back Yes.

In the midfield, (including RWB & LWB) we have a whole bunch of tweeners... none offer the full package, none make sense in our manager's current favourite formation, except for Sead on the left and Ox on the right, and all of them have never shown any consistency for more than a heartbeat... Sead, who I'm including in this category because of our present formation, looks like a positive addition, minus his occasional brain farts, but I would rather see what he could do in a back 4 before making my mind up... Ox, who has never played better, which isn't saying much considering his largely underwhelming play in previous seasons, seems to have found a home in this new formation; unfortunately, can we really expect this oft - injured player to handle the taxing duties that come with said position over the long haul, not to mention, it looks like he has no intention of staying... Ramsey has relied on the empathy that stems from his gruesome injury years ago and the excitement that was generated a few years back when he finally seemed to put in altogether, but on the whole he has been a big disappointment (neither he nor the Ox have scored enough to warrant a regular spot)... Wiltshire should be put on a weekly contract then played until he suffers his first injury, if and when that occurs he should be shipped - out and no one should very be allowed to say his name on club grounds ever again... Elnehy & Coq are average players who couldn't make any of the top 7 teams currently in the EPL... both have showed some great energy on the pitch, but neither are top quality and no good team can afford to have that many average players on their bench playing the same position, especially with Coq's injury history / discipline concerns and Elheny's headless chicken tendencies... as for Xhaka, his tenure here so far has been incredibly underwhelming... we know he has some skills to provide the long ball but his defensive work is piss poor and he gives the ball away too cheaply and far too often... finally, the enigma himself, Ozil, so much skill with his left foot but his presence has been more frustrating than uplifting... in many respects his failure has been directly related to the failure of this club to provide him with the necessary players up front, minus Sanchez of course, and unless something drastic happens very soon his legacy will be largely a negative one (much like Wenger's)

This is an incredibly difficult question to answer for a variety of reasons, most importantly because over the years our once vaunted «beautiful» style of play has become a shadow of it's former self, only to be replaced by a less than stellar «plug and play» mentality where players play out of position and adjustments / substitutions are rarely forthcoming before the 75th minute... if you look at our current players, very few would make sense in the traditional Wengerian system... at present, we don't have the personnel to move the ball quickly from deep - lying position, efficient one touch midfielders that can make the necessary through balls or the disciplined and pacey forwards to stretch defences into wide positions, without the aid of the backs coming up into the final 3rd, so that we can attack the defensive lanes in the same clinical fashion we did years ago... on this current squad, we have only 1 central defender on staf, Mustafi, who seems to have any prowess in the offensive zone or who can even pass two zones through so that we can advance play quickly out of our own end (I have seen some inklings that suggest Holding might have some offensive qualities but too early to tell)... unfortunately Mustafi has a tendency to get himself in trouble when he gets overly aggressive on the ball... from our backs out wide, we've seen pace from the likes of Bellerin and Gibbs and the spirited albeit offensively stunted play of Monreal, but none of these players possess the skill - set required in the offensive zone for the new Wenger scheme which requires deft touches, timely runs to the baseline and consistent crossing, especially when Giroud was playing and his ratio of scored goals per clear chances was relatively low (better last year though)... obviously I like Bellerin's future prospects, as you can't teach pace, but I do worry that he regressed last season, which was obvious to Wenger because there was no way he would have used Ox as the right side wing - back so often knowing that Barcelona could come calling in the off - season, if he thought otherwise... as for our midfielders, not a single one, minus the more confident Xhaka I watched played for the Swiss national team a couple years ago, who truly makes sense under the traditional Wenger model... Ramsey holds onto the ball too long, gives the ball away cheaply far too often and abandons his defensive responsibilities on a regular basis (doesn't score enough recently to justify): that being said, I've always thought he does possess a little something special, unfortunately he thinks so too... Xhaka is a little too slow to ever boss the midfield and he tends to telegraph his one true strength, his long ball play: although I must admit he did get a bit better during some points in the latter part of last season... it always made me wonder why whenever he played with Coq Wenger always seemed to play Francis in a more advanced role on the pitch... as for Coq, he is way too reckless at the wrong times and has exhibited little offensive prowess yet finds himself in and around the box far too often... let's face it Wenger was ready to throw him in the trash heap when injuries forced him to use Francis and then he had the nerve to act like this was all part of a bigger Wenger constructed plan... he like Ramsey, Xhaka and Elneny don't offer the skills necessary to satisfy the quick transitory nature of our old offensive scheme or the stout defensive mindset needed to protect the defensive zone so that our offensive players can remain aggressive in the final third... on the front end, we have Ozil, a player of immense skill but stunted by his physical demeanor that tends to offend, the fact that he's been played out of position far too many times since arriving and that the players in front of him, minus Sanchez, make little to no sense considering what he has to offer (especially Giroud); just think about the quick counter-attack offence in Real or the space and protection he receives in the German National team's midfield, where teams couldn't afford to focus too heavily on one individual... this player was a passing «specialist» long before he arrived in North London, so only an arrogant or ignorant individual would try to reinvent the wheel and / or not surround such a talent with the necessary components... in regards to Ox, Walcott and Welbeck, although they all possess serious talents I see them in large part as headless chickens who are on the injury table too much, lack the necessary first - touch and / or lack the finishing flair to warrant their inclusion in a regular starting eleven; I would say that, of the 3, Ox showed the most upside once we went to a back 3, but even he became a bit too consumed by his pending contract talks before the season ended and that concerned me a bit... if I had to choose one of those 3 players to stay on it would be Ox due to his potential as a plausible alternative to Bellerin in that wing - back position should we continue to use that formation... in Sanchez, we get one of the most committed skill players we've seen on this squad for some years but that could all change soon, if it hasn't already of course... strangely enough, even he doesn't make sense given the constructs of the original Wenger offensive model because he holds onto the ball too long and he will give the ball up a little too often in the offensive zone... a fact that is largely forgotten due to his infectious energy and the fact that the numbers he has achieved seem to justify the means... finally, and in many ways most crucially, Giroud, there is nothing about this team or the offensive system that Wenger has traditionally employed that would even suggest such a player would make sense as a starter... too slow, too inefficient and way too easily dispossessed... once again, I think he has some special skills and, at times, has showed some world - class qualities but he's lack of mobility is an albatross around the necks of our offence... so when you ask who would be our best starting 11, I don't have a clue because of the 5 or 6 players that truly deserve a place in this side, 1 just arrived, 3 aren't under contract beyond 2018 and the other was just sold to Juve... man, this is theraputic because following this team is like an addiction to heroin without the benefits

Arsenal have changed their formation from a classic 442 to more of a 4231 over the years, but our current three at the back system looks revolutionary for the Gunners.

The current owner, William Muetze, will lease the property back from the Park District with the stipulation that parcels will be turned over to the Park District over a period of four years.

Former Bronx Assemblyman and current State Labor Commissioner Peter M. Rivera announced yesterday that $ 12.7 million in back wages, interest and liquidated damages have been recovered for more than 14,000 workers in just the first four months of 2014 — putting New York State on pace to recover over $ 38 million this year for workers.

Ridgwell told New Scientist he had done «back - of - the - envelope» calculations that show that given the current price of carbon on the European carbon market, these credits could be worth $ 50 billion a year over 100 years.

Some of the native people have moved back and forth over the current border while «pursuing their normal life ways» for hundreds and even thousands of years, Young said.

The lineage of most of the bulls in current Holstein herds, for example, can be traced back over a hundred years to just a few bulls, said Liu, who worked with Ti - Cheng Chang and Yang Yang, both former post-doctoral fellows in animal science at Penn State, and the late Ernest Retzel, National Center for Genome Resources.

I know, I know... You'll get heated debate about both of these topics... meat eating vs veganism, and raw foodism... however, it's historical FACT that our current species (and historical ancestors back over a million years ago) in almost every culture around the world, ate at least some % of plant - animal food combination and raw food / cooked food combination (even if it was at different times of the day, or even different times of the year).

Now, as you probably know (and as I've learned over all of my years of decorating my home and for clients) everything comes back in style and there seems to be not much new under the sun so I was a little leary at first but am really starting to love the current trend we are seeing of tassels, fringe and yes, even pom poms, everywhere!

These estimates project the historical pattern of growth to determine the result of gains in student achievement, calculate the additions to GDP over the next 80 years, and discount them back to today so that they are comparable to other current investments.

It's over twice the weight of his current long - term Ford Fiesta ST, for example, and four times as heavy as the Caterham he ran several years back.

Model year 1984 is as far back as current EPA mileage ratings track back to, and that year, the HT4100 had eked out 10 more horsepower over the ’82 and was rated at 14 city and 19 highway.

The current Kindle Paperwhite has been out for over 2.5 years now, and the Paperwhite line originally launched back in 2012 with the first frontlit Kindle.

I invite you to take a gander at mine - although I've been blogging on book design for over two years, I was hacked into earlier this year and haven't gotten my archive back up yet, so there are just the few current postings up.

When you consider that inflation has averaged 2.94 per year over the past 30 years, and that current mortgage rates are just 0.68 percent higher than that, it begs the question: Why would a lender commit to earning barely more than the long - term inflation rate for the next 30 years, unless getting paid back was close to a sure thing?

Keep in mind that this yield is also more than 150 basis points higher than its five - year average, which leads back to one of the points I made earlier about undervaluation and higher yield (which then results in more current income, more aggregate income, and potentially higher total return over the long run).

On balance, inflation is expected to fall back over the next year and, conditioned on the gently rising path of Bank Rate implied by current market yields, to approach the 2 % target by the end of the forecast period.»

i) If you assume that kind of adjustment in age, back of envelope that could imply over a third of the current insureds are still alive at 100 years of age — do you really think that's likely?

One of my best friends had to spend over a year tracking down the current lender of one of her loans because every time she tried to pay it, they came back with that they weren't the right folks.

Unfortunately, over the next several years even if the steel markets shift into a cyclical recovery, we fear, and believe, that Commercial Metals will simply shift back from the current strategy where management is supposedly focused on unwinding its disastrous investments, to the previous «strategy», where management travels the world investing in losing «growth» projects from Croatia to Australia.

However if at years end stocks are now considered 10 % over valued by those same metrics and your stock allocation is now at 55 % because of the returns then rather than adjusting back down to 50 % perhaps now you adjust your reasonable allocation percentage down to 45 % to reflect to over-valuation that is inherent in the current valuation of the stock market.

Once the Colorado River began to back up it took over 11 years for Lake Powell to rise to its current elevation.

Now, starting April 13, art pilgrims will find the institution vastly changed as the result of a 10 - year, $ 500 million renovation project — one that both modernized the museum, including the creation of a 24,000 - square - foot, Turbine Hall - sized public space (a current must - have for art capitals), and brought it back to its original grandeur by stripping away ill - considered additions and ornaments incurred over the years.

The Mugrabis have bought the Warhols over a period of 20 years, starting back when the mean estimate of an Andy Warhol at auction was $ 66,000, through to the current estimate of $ 442,000.

[Response: Here's a simple back - of - envelope consideration for the future: if the Greenland ice sheet melts completely over the next ~ 1,000 years (Jim Hansen argues in the current Climatic Change that the time scale could be centuries), this would contribute an average flux of ~ 0.1 Sv of freshwater to the surrounding ocean.

Russian Academy of Sciences: Global warming over in Central Asia — Current Temps Not «Unique»; Cooler era ahead — Global warming is over in Central Asia, and a new cooler period is ahead, according to Russian Academy of Sciences scientist Andrei Daryin — «Whenever we look a thousand years back, it appears that the situation is not that unique.

Many climate change «skeptics» obsess over the «hockey stick», and their discussion inevitably leads back to 1998, when climate scientist Michael Mann first published his paper indicating that current global warming was anomalous in the last 1000 years or so.

the claim that the industry has been fracking for 60 years is true but grossly misleading as the current practice involving horizontal drilling and in general aggressive techniques to extract gas from marginal resources only dates back to the 1990s; rather than millions of well using fracking, current practice has only been tested over a few tens of thousands of wells

However, if you assume the average shopper * puts over 800 km / year (500 miles) on their efficient 6L / 100 (40mpg) car, at current oil prices, the cart will pay itself back in less than three years — not counting wear and tear these short trips wreak on your street machine.

«Given the volatility in markets at the start of this year we went back and asked 110 of our original respondents if their views had changed in the past few months and the message we received was clear — M&A remains a top priority for African respondents, over the medium term despite current head - winds.»

If you take a step back — and look at the arc of change in the legal industry over the past 50 years — you will see that the current shifts are part of a continuum:

This means that taxes you deferred over the years, coupled with additional retirement assets, may find you retiring back to your current tax bracket, or possibly higher without proper retirement income planning.

Similarly, the cash value in your current policy may also be enough to pay the premiums for a number of years into the future, but that, too, will erode the death benefit over time, as the loans to pay premiums accumulate with interest (if you were not paying some or all of those amounts back to the insurance company).

Yet, that isn't stopping developers from stepping back from the current quagmire to look at the longer term technical picture and how bitcoin could be improved over the next few years.

As an alternative to CCRCs, Jandris anticipates new independent living properties popping up over the next five to 10 years, as a lot of the current facilities date back two decades or more.

Reverse mortgage delinquencies can hurt the FHA, and are at least part of the reason why the loans carry such high interest rates and fees: a reverse mortgage now can carry a rate of just over 5 percent, against the current 30 - year rate for government - backed mortgages of around 4.3 percent.