Sentences with phrase «experienced during recent years»

Not exact matches

During a recent review of a luxury spa client's risk and insurance programs, we found that the insurance broker had not reviewed the current experience modifier, which reflects claims experience during the past three During a recent review of a luxury spa client's risk and insurance programs, we found that the insurance broker had not reviewed the current experience modifier, which reflects claims experience during the past three during the past three years.

It's a risky strategy, but one that many less - experienced and less - educated investors have adopted — both during the epic bull market seen earlier this year and in recent months following its equally amazing collapse.

Yet on the whole, given their positive experience both with receiving more income than they could get from the fixed - income sector in recent years and the potential for capital appreciation over the long haul, dividend stocks and the ETFs that own them have demonstrated their long - term value to the investors who've gravitated toward them during the low - rate environment of the past decade.

EZTrader has received some (pretty well - deserved) criticism in the past for having an old - fashioned platform, but during recent years the platform has been updated with a lot of modern and highly useful features that can be used to enhance the trading experience.

According to a recent study, more than half of you will experience religious decline during your college years.

Jürgen Moltmann has shared, in a recent conversation, his experience as one of the 15 - year - old recruits to Hitler's army during the waning days of the Third Reich.

USDA asserts that 20 % of families in America have «low food security,» but more quietly states that only 1 % of American children experienced actual hunger at any time during 2010 (the most recent year statistics are available).

Fleming also said that the utilities that serve the area were slow to replace downed transmission lines and that the town had experienced significant power outrages in recent years, including one that lasted almost a week during an ice storm a few years ago.

Up to one - fifth of women of childbearing age experience depressive symptoms that often lead to mild to moderate depression, and prescriptions for antidepressants during pregnancy have increased in recent years.

A recent report by two leading nonprofits, the Rocky Mountain Climate Organization and the Natural Resources Defense Council, details how the 11 U.S. western states together have experienced an increase in average temperature during the last five years some 70 percent greater than the global average rise.

The maps are the result of years of experience and recent polling that found most Americans living on vulnerable coastlines paid too much attention to hurricane wind strength and not enough to storm surge before deciding whether to evacuate ahead of a storm, Rhome said during an interview at this week's National Hurricane Conference in Orlando.

That being said, we'd like to remind you of these 4 classic muscle - building foods that are virtually unreplaceable in any bodybuilder's diet according to both collective experience and major scientific studies, regardless of the anti-propaganda they've encountered during recent years.

North Carolina, Louisiana, and Tennessee all independently concluded that TFA corps members were the most effective out of recent graduates from other teacher preparation programs with which they had worked.151 A controlled study conducted by Mathematica found that students taught by TFA teachers earned higher math scores than students taught by non-TFA teachers with similar years of experience; the TFA - taught students learned approximately 2.6 months of additional material in math during the school year.152 Similarly, another study found that TFA first to third grade teachers» students grew 1.3 additional months in reading compared with their peers who had non-TFA teachers.153

Because experiences during the early school years lay the foundation for ongoing peer relationships and can include a pattern of being bullied, we've created the Bullying Prevention Unit, basing it on the latest research and evalution, including a recent study of our Steps to Respect program.

«We are also encouraged to see that the proposal makes significant progress toward addressing the historical disparity in funding levels that students in charter schools have experienced relative to traditional public schools, a problem that was made only more severe during the state's funding crisis of recent years.

Recent graduates are teachers who started working as K - 12 teachers during the survey year, had no previous experience as a K - 12 teacher, and were in school the previous year.

During recent years, their experience and knowledge has broadened and deepened.

In recent years, the reverse mortgage market has once again become healthy, after experiencing a brief fallout during the housing crisis of 2006.

In recent years, the reverse mortgage market has once again become healthy, after experiencing a brief fallout during the housing...

Periodic rebalancing is generally a good way to keep your investing strategy on track and to prevent your portfolio from becoming too risky during market surges (like the one we've been experiencing in recent years) or too conservative after big market setbacks.

As of this writing (1995), some of this myth has been dispelled by the relatively steady returns enjoyed by investors is recent years, versus the up and down markets experienced during the 1970s.

I know this not only from working with hundreds of dogs in my practice, but also from working with my own dog, both many years back and during a recent regression she experienced.

In recent years, the weather has not been predictable, so we have experienced rain during our dry season and sunshine during the rainy season.

A few experienced acclaim and recognition during the fifties without much attention later, while others» profiles have risen in recent years.

You can see from comments on this blog that paleo records from millions of years ago are more valued than our recent experiences during the Holocene.

Following several recent intense outbreaks of fires — in June 2013, March 2014 and November 2014 — the country is now on track to experience more fires this year than it did during the 2006 fire season, one of its worst on record.

The prevalance of cyber attacks has now grown by more than 60 % in two years, according to PwC's 25th annual Law Firms Survey, with the number of top 100 firms experiencing an attack rising from 45 in 2013 - 14 to 62 in 2014 - 15, and 73 during the most recent financial year.

This advice is for those college students and recent grads who have failed — even refused — to spend significant time during the past few years acquiring marketable experience.

These findings reflect those of a study conducted in Finland among schoolchildren, which found that children with widespread pain reported more emotional and behavioural problems than those without pain, and showed that tiredness during the day was a risk factor for the persistence of pain.18 Furthermore, a recent study of children aged 3 — 17 years attending a medical practice in Australia found that children experiencing frequent abdominal pain were more likely to be anxious and experience sleep disturbances when compared to children with no abdominal pain.19

A social worker for over 25 years, Paula has considerable experience working in Child Protection and OOHC in the UK and Australia During the last ten years her focus primary focus has been on training and development, in this role she co-wrote a competency based assessment tool (Step by Step) and a training package for foster carers (Shared Stories Shared Lives) both tools are in use across Australia In recent years Paula's interests have extended to Kinship Care, she was commissioned by the Benevolent Society to write a Kinship Care Assessment tool the Raising Our Children Kinship Care assessment tool is currently in the process of being piloted.

< / p. Full disclosure: When I again became licensed as a real estate sales representative during 2008 (after having been away from the business for decades) I produced a large city bus ad with my picture (a then recent one, not a twenty - year - old picture) with the caption «Forty Years Industry Experience» or «Forty Years Industry Related Experience» (I can't remember which).

Non-mortgage debt balances, such as debt from auto loans and credit cards, experienced a period of decline during the immediate aftermath of the Great Recession and have how either flatlined or rebounded slowly in recent years.

«Gains for state and local non-property tax collections have outpaced increases in property tax receipts in recent years because such non-property taxes experienced the greatest declines during the recession,» NAHB notes on its blog, Eye on Housing.