Sentences with phrase «less points means»

Most lenders offer loans with several combinations of points and mortgage rates; generally, more points means a lower mortgage rate, less points means a higher rate.

Most lenders offer mortgages with several combinations of points and interest rates; generally, more points means a lower interest rate, less points means a higher rate.

Not exact matches

WorldWise, for instance, makes a point of using only U.S. manufacturers, which it can visit to ensure that they meet its standards; proximity to customers also means energy savings and less pollution.

What it does mean, is that once kids are old enough to understand the finer points of language (and according to Bergen, that's probably younger than you imagine), there's no cause for guilt if you use (and they pick up) some less - than - demure language.

He points out that IBM has a beta of about 0.9, which means that it's less volatile than the overall stock market.

So, even if we can't take it to the bank that more coffee definitively means less heart disease, the signs are pointing in that direction.

The major index had the biggest point loss in its history, though its recent months of rapid growth means that as a percentage total the dip was less than 5 %.

At some point those debts have to be paid, which means less money for good and services.

Executives also complain that their salespeople can not sell the value of their products which means they sell at a less than desirable price point.

A shorter loan term means lower operating expenses and presents less risk from the lender's point of view.

The weighted average of the MERs charged by the component ETFs works out to about 21 basis points per year, which means the Sleepy Portfolio costs about $ 275 every year or about 75 cents a day — less than half the cost of a large double - double these days.

Small caps (Russell 2000) and to a lesser extent Nikkei and EM equities in stocks all have below - average vol and correlations today to S&P 500; makes index hedges cheaper, although the lower level of realized volatility means consensus is looking for an even better entry point to buy equity vol.»

This means Chase is less likely to nickel - and - dime you at every point in the origination process or pressure you to close a loan.

The texts which could have more than one meaning are concerned with subsidiary aspects of Islam, but not its fundamentals, and have given rise to a plurality of Muslim theories and attitudes which are more or less personal points of view and are far from being obligatory.

But Richard A. Shenk points out in his new book, The Virgin Birth of Christ: The Rich Meaning of a Biblical Truth, that in Evangelical churches, the why of the virgin birth receives less attention than the fact of it.

Yet beyond a certain point more choice means less happiness.

In Chapter 1 it was pointed out that the meaning of the idiom of resurrection is much less clear and unambiguous than is often imagined.

The inseparability of the two loves has been less manifest in theological analysis than in the actuality of history but theology has pointed out often enough how the thought of God is impossible without thought of the neighbor and how the meaning and value of the companion's life depends on his relation to God.

The only one who can not is Lucifer because he do not want to, God heart is not made of iron, if there are evil people alive in this world it is only because God want them to repent to, there are most evil people who as a children or teenager was sweet but because of another being became evil, Only God know what it did make them change or their pain but only one things is sure as God he did have the first seat to see all their pain and live, and to my point of view as a Father it is by no means lesser than the pain he did feel for them or them victimes, like a electric chair.

His emphasis on rebirth points to the need within the general pattern of growth for decisive moments of turning from less to more adequate frameworks of meaning — for surrendering smaller ways of relating in favor of more complete ones.

«It doesn't mean if people are buying less at that price point, they are buying less of Yellow Tail,» Mr Casella said.

If he only scores 17 or 18 whilst achieving this (given we have plenty of goalscorers who can score against lesser sides) I'd be happy with that, as it'd almost certainly mean more points.

Whatever floats your boat mate, I'm not going to argue with someone that fails to listen to another view, my point stands, whether you agree with wenger or not doesn't make you more or less of a supporter it just means you have a differing view, no need for insults.

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

For example 4 -3-3 concentrate less on playing in the centre and attempting to dominate it as it's contest Arsenal will win and take advantage of the fact that the full backs haven't got pace, which normally means the defensive midfielders or center backs often end up doubling up on the wingers... thus clearing a space in the middle and allowing people like Ozil and Giroud to play to the strong points of their game.

Tech gets possession of the ball, after a missed shot, much less frequently than the opposing team, which means that it must convert possession into points at a much greater rate.

Although Portland had home court advantage, the evolution and popularity of the 3 - point shot has meant fewer drives to the basket and therefore less opportunity for referees to be influenced by the home crowd.

And fans who are saying how are we better off this year sure we are on less points — are you an idiot, if a team comes second on 80 pts one season then wins title on 75 pts next season does that mean they took a step back..

Just saying «this season we should not drop points to lesser opponents» means very little and doesn't give you a winners mentality or a fighter's mentality IMO.

This means Arsenal are now back amongst the top four, although we are still five points behind the leaders Manchester City, who are yet to get anything less than all three points under Pep Guardiola.

Before you moan about the def now, it is a different situation, Gabriel coming in and Bellerin stepping up means we have adequate cover and it shouldn't cost us as many points by conceeding less.

With a new ST, Walcott would have played in the RW position meaning Ox and Ramsey would be bench players and therefore Ramsey would not have been overplayed to a point of him getting a hamstring and Ox would also be available... meaning the right wing position would have better options than a guy who has started less than 5 games for us.

Despite their miraculous campaign so far, I still feel like City and sadly — Spurs look like the biggest title threat so far, and I'm hopeful that the Mahrez - Vardy party will continue for two more rounds, because our own inconsistency means we must hope that others will also drop points against the lesser sides.

One game less played, 3 points gap lead at the top, and the Los Blancos took the lead trough Casemiro in the 28th minute, meaning practically putting one hand on La liga title.

Surprisingly, when all 3 played together the Gunners had a meaner defence, conceding less than a goal per game at 0.75 goals per game, and collecting more points than any other central defensive partnership, at 2.09 points per game.

Moreover, a game at the Emirates will surely mean that there are less chances of any upset and Arsenal should earn all three points.

He may have previously managed Newcastle, a sticking point that would normally mean Sunderland fans would be less than pleased with his appointment, but he is a former Sunderland player.

Houston also went 8 - 2 in games decided by seven points or less, a stat that tends to regress to the mean from season to season.

Like I said in a previous post, winning the big games means little if you follow up those wins by dropping points against the lesser lights.

She points out that less contact does not mean less close and that sometimes we can inadvertently undermine the young adult development that is so important by being overly connected.

That means it takes at least a bit less time and effort to reach the point at which we will all have everything we need to exit the home.

Mature milk comes in at about the two week mark and from that point forward, breastfeeding benefits include the fact that the protein in breast milk is easier for the baby to digest, meaning there's less gas, colic and rashes.

Shortcutting the guessing games sparked by pointing, grunting, whining, and eventually crying and screaming, means less stress on baby and mom, dad, grandparents and caretakers.

Most previous studies have compared breast fed children with children who were exclusively formula fed, but some studies have found that the correlation between breast feeding and cognitive ability increases with a longer duration of breast feeding.3 13 30 A Finnish study of 1163 children found a mean difference of 2.4 points on a cognitive test at 6 months of age between children breast fed for less than five months, compared to children breast fed for at least five months.10

Similarly, the unadjusted difference of 8 points between children who were breast fed for less than 3 months, compared to those who were breast fed for six months or more, is unlikely to have clinical significance in a population with a mean IQ at age 5 of 109 points.

For On Point, that means less time finding ways for students to afford college and more time helping them succeed in college and find jobs after.

I didn't mean literally a Saturn rocket but most people know roughly what one is, I meant an expensive liquid fuelled rocket (for which the Saturn was an impressive example); which as you pointed out is never the less still wrong.

The agreement finally reached on the local government pension scheme after the government made significant concessions has rather less to do with official generosity than fear about the consequences if the scheme were so eviscerated that hundreds of thousands of local government workers might decide there was no point in continuing to contribute to it since, if they walked away, they would still get the same amount of money in retirement from means - tested income support.

With the benefit cap meaning that housing benefit will be capped at a point where for many who rely on it will have to move away, which means areas with relative affluence with sites of former counci estates, which are now being snapped up by yuppies or young professionals renting them will increase in an area — less likely to vote Labour than those who were on receipt of housing benefit.

Bekelman points out that fewer radiation treatments not only means less out - of - pocket costs and fewer visits to treatment centers for patients; it also means lower costs for payers and employers.