Sentences with phrase «interesting year of changes»

Not exact matches

Brimmer: I think the future of agencies is in serious crisis right now, and I think just kind of seeing a little bit of what's happening with WPP and Martin Sorrell recently and the way that that model has changed — is really going to be interesting to watch how things unfold over the coming years.

Sudden changes in volatility and monetary policy could spark an «interesting» period for stock markets in the next couple of years, the CEO of Barclays warned Thursday.

The confluence of easy credit, low interest rates and smart, new models are driving auto sales sharply higher this year but analysts who follow the industry don't see that changing any time soon.

It's Microsoft's most important franchise for the Xbox, and even though it's changed hands from Bungie to Microsoft - owned 343 Industries, the development team has twice shown us it's capable of Master Chief's mantle: first in 2012 with «Halo 4,» and this year with «The Master Chief Collection,» which remastered and remixed the first four major titles with new graphics and interesting gameplay additions like playlists.

ChangEd is a new app that says it can take six years off your repayment term and save you $ 14,000 in interest costs — all with a bit of spare change.

«Pockets of risk have begun to emerge» following several years of exceptionally low interest rates that have changed how lenders and borrowers view debt, Morneau told a news conference in Toronto.

Interest rates will inevitably rise, as the Bank of Canada keeps pointing out, and the federal government has instituted numerous changes over the past few years that will make a home purchase more difficult for first - time buyers.

That $ 400 million is on top of the $ 800 million savings for that fiscal year from the change in interest rate projections between Budget 2014 and Budget 2015.

In November 2000, the Bank introduced a system of eight fixed dates each year on which it announces whether or not it will change the policy interest rate.

On 19 September 2000, the Bank of Canada published details of its plan to adopt a new system of eight «fixed» or pre-specified dates each year for announcing any changes to the official interest rate that it uses to implement monetary policy.

In November 2000, the Bank of Canada introduced a new system of eight «fixed» or pre-specified dates each year for announcing any changes to the official interest rate it uses to implement monetary policy.

If you have a 3/1 ARM, for example, you'll need to understand that your interest rate will change once a year for the last 27 years of your loan term.

Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure of DBRS to rate the Notes at the anticipated ratings levels, which is a closing condition, or at all; changes in the financial markets, including changes in credit markets, interest rates, securitization markets generally and our proposed securitization in particular; the willingness of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any of which could impact what credit ratings, if any, are issued with respect to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018, which may exacerbate the foregoing risks; and other risks, including those described in our Annual Report on Form 10 - K for the year ended December 31, 2017 and in other documents that we file with the Securities and Exchange Commission from time to time which are or will be available on the Commission's website at www.sec.gov.

I was kind of like I said interested in gambling or at least speculating or figuring things out and then taking a calculated gamble and what they were telling me was don't try, there were saying that no one can beat the market and the stock prices are efficient and just through simple observation looking at the newspaper and they used to have the 52 - week high low prices in the newspaper, it seemed unreasonable that you know the fair price was 51 day and eight months later, it was 120, and that was pretty much every stock had that kind of range every year and it didn't make sense to me that the fundamentals of the underlying businesses were actually changing that much.

This may be one of the reasons why this equation shows a relatively small impact over the first year or so following an interest rate change.

Low interest rates and a resilient job market have certainly helped sustain consumer spending, and the tax rate changes that the government introduced at the beginning of the year may also be playing a role.

You can easily change the interest rates, deposits, frequency of interest compounding and the number of years you have to save.

Despite interest rates remaining very low by historical measures, any dental organization looking to utilize external funding for projects this fiscal year should be aware of potential changes and possible budget implications.

Looking forward to the 2018 tax year and beyond, the student loan interest deduction remains unchanged though there was a substantial discussion about changing or even eliminating it as part of the Trump tax plan.

The average interest rate on a 48 - month new - car loan dropped to 4.1 % this summer from more than 7 % at the end of 2008, though it's changed little in the last two years.

One year after the rule's publication, in April 2017, the «broader definition of fiduciary will take effect, but to take advantage of the BIC exemption, firms will only be required to comply with more limited conditions, including acknowledging their fiduciary status, adhering to the best interest standard, and making basic disclosures of conflicts of interest,» DOL states in a fact sheet released Tuesday detailing some of the final rule's changes.

Now, if negative 10 - 12 year total returns on stocks are acceptable to Wall Street, given the level of interest rates, that's fine, but investors should understand that this is what's being argued, and that the level of interest rates doesn't change that expectation.

In its most aggressive stance (a duration of 15 years), the Fund's net asset value could be expected to fluctuate by approximately 15 % in response to a 1 % (100 basis point) change in the general level of interest rates.

With decades of experience in both the business and environmental spheres — helping companies braid them together profitably for more than 15 years — Shel helps you identify profitable business opportunities within your organization's existing expertise and interests that help turn hunger and poverty into sufficiency, war into peace, and catastrophic climate change into planetary balance.

The Strategic Total Return Fund continues to hold a portfolio duration of about 6 years, meaning that a 1 % (100 basis point) change in interest rates would induce a roughly 6 % change in the value of the Fund.

Mercer said the board decided to revise its outlook in light of the recent housing changes and growing expectations that the Bank of Canada could raise its interest rate next week for the first time in seven years.

If the average real yield of the linker fund goes up 1 % then you lose 23 % but will recover it in 23 years (assuming duration is 23 and no further change in interest rates).

As you probably already know, this type of home loan has a fixed rate of interest that does not change, along with a repayment length or «term» of 30 years.

Joel Prakken, chairman of Macroeconomic Advisers, said any change in interest rates would probably be small and not felt for several years.

(a) Average of nominal interest rates on outstanding loans (fixed and variable); pre terms of trade boom average is 1993/94 — 2002/03; year - ended observation is the June quarter 2016 average (b) Consumer price data exclude interest charges prior to September quarter 1998 and deposit & loan facilities to June quarter 2011, and are adjusted for the tax changes of 1999 — 2000 (c) Pre terms of trade boom average is 1997/98 — 2002/03

With adjustable - rate mortgage, your interest rate may change after a fixed number of years.

While floaters may be linked to almost any benchmark and pay interest based on a variety of formulas, the most basic type pays a coupon equal to some widely followed interest rate or a change in a given index over a defined time period, such as the year - over-year change in the Consumer Price Index (CPI), plus a fixed spread in basis points (1bp = 1/100 of 1 % or.01 %).

And yes, actually the market reaction has really being quite muted and I don't know whether this partly reflects the new economic norm, you know the flattening of the Phillips Curve, disruptive change, lower inflation the Fed talked about at the Jackson Hole Summit last year, something called Our Star which is going to lower long - term rate of equilibrium interest rates.

The future of bitcoin is uncertain, but with continuous positive gains over the past several years and an expanding interest in the development of blockchain, the technology is set to bring change to society in one way or another.

Lenders will also typically display the interest rates on the loans as APR, rather than the interest rate, so what you see is what you get — the APR, or Annual Percentage Rate of change, reflects the interest you'll actually pay each year.

The few references to religion made by Marx in his later years indicate that, in spite of his lack of interest in this kind of problem, his view on religion and atheism did not change as the years passed.

The few references to religion that Marx made in his later years indicate that in spite of his lack of interest in this kind of problem, his view on religion and atheism did not change as the years passed.

Though the abuse had forever changed the life of this precious child, I came to realize that the abuse had not destroyed her soul and that underneath it all she was still a 9 year old who had childhood interests, aspirations for what she wanted to do when she «grew up», and even dreamed of going to Disney World.

The modest revival of interest in medieval philosophy in the past forty years might augur a change in fortunes for reasoned discussion of how to understand God's role in all three religions, but one finishes these two lucid books far more aware of lost opportunities than of newfound hope.

There was a reason why the founding fathers put kept religion out of our government and now it seems we are being asked to» pick the Christian» in this next years election — we are not picking the leader of a church here people, we picking someone to be the most influential, most powerful person on the earth... do we want someone who has our best interests at heart or someone who will time and again try to change the US laws to reflect his own personal beliefs?

Children change rapidly during the preschool years, as do the interests and problems of their parents.

He emphasized the active, integrating self (rather than the frail, victimized ego); held to a «soft» (rather than a «hard») determinism; had a strong interest in future, goal - directed strivings (rather than origins); emphasized the organism as a whole centered in the self (rather than a conflict view of personality); regarded the striving for worth and power (rather than sexual striving) as the central dynamic in mental health and illness; emphasized the possibilities for continuing change in the later years (rather than regarding the early years as utterly decisive)(2) It is clear from these motifs in Adler's thought that his vision of human beings was positive and growth - centered.

And so the list goes, with the actual numbers changing somewhat from year to year, yet the fact that more people are killed with blunt objects each year remains constant.For example, in 2011, there was 323 murders committed with a rifle but 496 murders committed with hammers and clubs.While the FBI makes is clear that some of the «murder by rifle» numbers could be adjusted up slightly, when you take into account murders with non-categorized types of guns, it does not change the fact that their annual reports consistently show more lives are taken each year with these blunt objects than are taken with Feinstein's dreaded rifle.Another interesting fact: According to the FBI, nearly twice as many people are killed by hands and fists each year than are killed by murderers who use rifles.

For over 80 years NABI has represented the interests of the beverage alcohol import community by assuring access to the US market and alerting the import community to changes in the regulatory environment.

Over the course of many years of research and development on Golden Rice, a lot of things have changed and interesting new information becomes available all the time.

nice to see you crawl out of your hole just in time to offer your 2 cents worth once again... unlike yourself I started following this team long before Wenger arrived on the scene and will continue to do so long after he's gone... in his earlier years I admired the cerebral elements he brought to the EPL, which at that point was more brutish than beautiful, and I respected the seemingly tireless efforts of Arsene, Dein & staff to uncover and develop talent without sacrificing the product on the field... likewise I appreciated that such a youthful manager wasn't afraid to bring strong personalities and / or world - class players into the fold without being fearful of how said players would potentially undermine and / or dilute his authority... unfortunately this all changed about 10 years ago and culminated in the removal of all our greatest players, both young and old, without any real replacements coming in... from Henry to RVP to Fabergas and Nasri, it was easy to see that this club was no longer interested in competing at the highest levels... instead of being honest, minus the ridiculous claims regarding the new stadium, Wenger chose to side with management and in doing so became the «front man» for this corporation pretending to be a world - class soccer club... without the «front man» this organization would have been exposed numerous years earlier, so his presence was imperative if the facade was to continue... it's for this reason and more that I despise what this once great man and Kroenke has done to my beloved club... the gutless, shameful and manipulative way they have treated the fans, like myself, is largely indefensible and this is why I felt it necessary to start offering my opinion in a public format... trust me, I resisted the temptation for many years but as long as the same shit continues to exist I will voice my opinions and if you don't like it maybe you should look for a different team to pretend to follow

Although I've found it very cathartic to speak, vent and end occasionally rant about all things Arsenal, we need to act carefully and intelligently right now or we're going to get played by this club even worse than at present... the pro-Wengerites and the suits, who represent a considerable proportion of the season ticket holders, don't want to believe that there is no plan and that Wenger has mailed it in for several years now or that things are going to get much worse before they get better... why would they... many have spent a considerable sum buying some of the highest priced tickets in the World... they want to have a front row seat to see something special and to be seen doing so, which simply provides ample justification for the expense and the time invested... to many of them, Wenger is the sun in their soccer universe... his awkward disposition, misplaced arrogance and his utter lack of balls makes him a rather unusual cult figure, but the cerebral narrative seemed to embolden those who already felt pretty highly of themselves... many might not even of really liked football that much before his arrival and rarely games they weren't attending... as such, they desperately believe that Wenger, and only Wenger, can supply them with their required fix... if he goes, they were wrong and that's a tough pill to swallow... they would have to admit that they were duped... they will definitely resent whoever made them feel this way, but of course it will be too late by then... so when we go overboard with ridiculous comments bordering of anarchy, it scares the shit out of them and they shift their blame towards us rather than at those who really perpetrated this act of treason... we aren't the enemy... we simply woke much earlier and the reason our comments have gotten more vile in recent years is out of utter frustration... in order for any real change to occur at this club we need to bring as many supporters as possible with us or the big money interests will fade and our ultimate objective will be lost... so it's time to focus on the head instead of the heart for now

there is no doubting that Arsene has helped to provide us with some incredible footballing moments in the formative years of his managerial career at Arsenal, but that certainly doesn't and shouldn't mean that he has earned the right to decide when and how he should leave this club... there have been numerous managers at each of the biggest clubs in Europe throughout the last decade who have waged far more successful campaigns than ours yet somehow and someway each were given their walking papers because they failed to meet the standards laid out by the hierarchy of their respective clubs... of course that doesn't mean that clubs should simply follow the lead of others, especially if clubs of note have become too reactionary when it comes to issues of termination, for whatever reasons, but there should be some logical discourse when it comes to the setting of parameters for a changing of the guard... in the case of Arsenal, this sort of discourse was largely stifled when the higher - ups devised their sinister plan on the eve of our move to the Emirates... by giving Wenger a free pass due to supposed financial constraints he, unwittingly or not, set the bar too low... it reminds me of a landlord who says he will only rent to «professional people» to maintain a certain standard then does a complete about face when the market is lean and vacancies are up... for those who rented under the original mandate they of course feel cheated but there is little they can do, except move on, especially if the landlord clearly cares more about profitability than keeping their word... unfortunately for the lifelong fans of a football club it's not so easy to switch allegiances and frankly why should they, in most cases we have been around far longer than them... so how does one deal with such an untenable situation... do you simply shut - up and hope for the best, do you place the best interests of those with only self - serving agendas above the collective and pray that karma eventually catches up with them, do you run away with your tail between your legs and only return when things have ultimately changed, do you keep trying to find silver linings to justify your very existence, do you lower your expectations by convincing yourself it could be worse or do you stand up for what you believe in by holding people accountable for their actions, especially when every fiber of your being tells you that something is rotten in the state of Denmark

with these king of strategical changes by AFC (to offer bumper contracts to best players even before they reach the last 2 years), we not only keep the rich English clubs like city and Chelsea at check, even Barcelona and Madrid have to think multiple times even to show interest in our players.

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...