Sentences with phrase «lower during the early years»

Payments are lower during the early years and gradually increase over time.

Not exact matches

During Zappos's early years, Hsieh decided that customer service was the most important function of his company and proceeded to craft dozens of counterintuitive policies that lavished benefits on the low - wage workers who answered the phones.

Air Canada pilots complained during labour negotiations earlier this year that the low - cost carrier could threaten their job security and working conditions, and that pilots at the carrier would earn less.

Similarly, we've avoided financial stocks during this market cycle, and missed the «private equity» enthusiasm early last year (though again, the decision was clearly vindicated as financials are now at multi-year lows).

The market started off the year as it ended 2017, on a tear higher, then the brief crash in early February, which led to a nice calm recovery during the remainder of the month just to run into what I'm calling «Whipsaw March» with the market jumping higher and lower by more than 1 % nearly every other day.

The last time it was this low was during the European Sovereign Bond crisis earlier this year.

Earlier this week, the chain reported a 1.3 % drop in same - store sales during the crucial November and December holiday period and lowered its earnings forecast for the year.

Environmental water contributed to longitudinal connectivity in the channels of the Lower Gwydir, especially during the early and mid-stages of the water year.

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

During Bill Bratton's first term as New York City police commissioner 20 years ago, his NYPD drove crime down to its lowest levels since the early 1960s — and durDuring Bill Bratton's first term as New York City police commissioner 20 years ago, his NYPD drove crime down to its lowest levels since the early 1960s — and duringduring...

The early September rate of decline also greatly exceeded the rate observed for the same period during the record low year of 2012 (19,000 square kilometers, or 7,340 square miles, per day).

A 2013 study in the Journal of Adolescent Health found that teens who went to bed later than 11:30 during the school year had lower grade - point averages and were more vulnerable to emotional problems than those who went to bed earlier.

As for Curran, she knew she was on the road to recovery when she could tolerate gaining muscle mass — a sharp contrast to her sickly state a few years earlier while following an extreme low - fat diet during training for the Philadelphia marathon.

Unlike milking practices adopted by ancient nomadic cultures that restricted milking to the early months of pregnancy (when hormonal levels in the pregnant cows were relatively low), modern dairy farms maintain pregnancy in dairy cows about 80 % of the year and milk throughout pregnancy, even during months when hormonal levels are relatively high.

Meeting this fifth challenge depends on better ways of: identifying children at risk of being locked into trajectories of low achievement at the earliest possible ages; enhancing levels of school readiness; diagnosing learning difficulties upon entry to school; and intervening intensively during the early years of school to address individual learning needs to give as many students as possible the chance of successful ongoing learning.

One likely explanation for the across - the - board increase in parents» investing in their young children's learning is that parents today are just far more aware of the unique importance of the early childhood years in shaping their children's development... It also may be that the increase in parent - child interactions among low - income families has been driven, in part, by the shift of low - income children out of preschool programs and into parental care during the economic recession.

Back in 2013 a study, «Early College, Early Success: Early College High School Initiative Impact Study,» showed that low - income, minority students were showing remarkable results in a new kind of high school where students are marched through the first two years of college during their high school years.

During these early years after graduation, their gross monthly income is low.

During our early retirement years, we do plan to convert traditional retirement funds to Roth funds at 0 % or very low tax rates.

But I can share that my loans are long gone and forgotten and meanwhile I can already see results of starting early, even taking into account the current turmoil, and that I started during the tech bubble years, and that I didn't max out, and that the contribution caps were much lower in the 90s.

There are just few periods where 10 - year trailing returns fell to very low levels - after the stock market crash of the early 1930's, in the early 1940's, and again during the late 1970's and the early 1980's (on an inflation - adjusted basis, the 10 - year returns during these last two periods were also negative).

For one thing, at today's low interest rates bonds simply aren't likely to provide enough income for most people to live on even in the early years of retirement, let alone allow them to maintain their purchasing power in the face of inflation during a post-career life that, as this longevity tool shows, could easily last into their 90s.

ARMs traditionally offer lower interest rates during the early years of the loan than fixed - rate loans.

Interest payments during the early years of your ARM loan will be generally lower than those of a fixed rate mortgage.

In addition, dollar - cost averaging during your early years means the wide swings actually work in your favor: you're buying more shares when the price is low, less shares when the price is high.

1) Start saving early by setting realistic goals 2) Ensure the asset allocation in your portfolio remains in sync with your level of risk aversion and overall investment objectives 3) Keep costs and taxes to a minimum by avoiding most high turnover actively managed mutual funds and opting for tax - deferred savings whenever possible (not only do their investments grow tax - sheltered but for most people their MTR at retirement would be lower than it is during their working years) 4) Balance your portfolio at least annually (some individuals may choose to do so semi-annually) 5) Hammer away at your debt first — for example, when it comes to contributing to an RRSP or TFSA vs. paying down your mortgage, ideally you should do both.

She noted that earlier this month, the yield on the 10 - year Treasury note fell to 1.443 during intra-day trading, marking its lowest rate since the 1800s.

U.S. CO2 emissions from energy consumption totaled 1,340 million metric tons during the first quarter of 2012, down nearly 8 % from a year earlier and the lowest for the January - March period since 1992, according to the U.S. Energy Information Administration's June Monthly Energy Review.

What's more, DEQ's proposed rules would inexplicably bypass an economic opportunity for North Carolina, particularly for those areas that need it most: Participation in the Clean Energy Investment Program, which rewards renewable energy and energy efficiency investments in low - income areas during the early years of the Clean Power Plan at no additional cost to the state.

By Taylor's decade the climate had already reached lower values than during the cold trough noted by Lamb a century earlier, and indeed was colder than the 500 years that preceded it (if Lambs reconstruction of the period preceding 1538 in Fig 6 is accurate)

When you compare the cash value insurance to the premium of term insurance during the early years of plan then the latter is significantly low.

For newer companies, by default, most claims fall into this bucket and may end up taking a longer time to be settled resulting in a lower settlement ratio during the early years of operations.»

Effective intervention, such as home based and early education programmes, during the child's first three years can buffer them from the effects of preterm and low birth weight (Msall and Parts, 2008, The Spectrum of Behavioural Outcomes After Prematurity).

One evaluation conducted in Queensland, Australia, reported moderate reductions in depressive symptoms for mothers in the intervention group at the six - week follow - up.89 A subsequent follow - up, however, suggested that these benefits were not long lasting, as the depression effects had diminished by one year.90 Similarly, Healthy Families San Diego identified reductions in depression symptoms among program mothers during the first two years, but these effects, too, had diminished by year three.91 In Healthy Families New York, mothers at one site (that was supervised by a clinical psychologist) had lower rates of depression at one year (23 percent treatment vs. 38 percent controls).92 The Infant Health and Development program also demonstrated decreases in depressive symptoms after one year of home visiting, as well as at the conclusion of the program at three years.93 Among Early Head Start families, maternal depressive symptoms remained stable for the program group during the study and immediately after it ended, but decreased just before their children entered kindergarten.94 No program effects were found for maternal depression in the Nurse - Family Partnership, Hawaii Healthy Start, Healthy Families Alaska, or Early Start programs.

Mild ID during pregnancy might have an impact on brain development, despite maintained normal thyroid hormone levels.19 — 22 In the UK, a longitudinal study19 found 8 - year - old children have an increased risk of being in the lowest quartile of verbal IQ, if their mothers had mild ID in early pregnancy, than children of mothers with normal iodine nutrition.

For example, researchers have found that attendance in a high - quality early childhood program has short - and long - term benefits for children, their families, and the wider society.33 These benefits range from reduced need for special education services or remedial support during the K - 12 years to reduced dependency on government assistance in adulthood and increased tax revenue.34 Attempts to quantify these benefits have found a return on investment of between $ 3 and $ 13 for every dollar invested in early childhood.35 Even at the low end of this estimate, this is a significant return.

Results from the present study indicate that children who are at highest risk of not learning to regulate physical aggression in early childhood have mothers with a history of antisocial behavior during their school years, mothers who start childbearing early and who smoke during pregnancy, and parents who have low income and have serious problems living together.

Results from the present study indicate that children who are at highest risk of not learning to regulate physical aggression in early childhood have mothers who have a history of antisocial behavior during their school years, who start childbearing early, and who smoke during pregnancy and have parents who have low income and serious problems living together.

If a potential school starter does not have an AEDI record completed in an NSW school in 2009 or 2012, it is possible that they: (1) started school in the year before or after the AEDI data collection year, particularly if their birth date lies at the upper or lower ends of the range; (2) started school in another Australian state where their teacher may or may not have completed the AEDI on their behalf; (3) migrated overseas prior to starting school; or (4) may have died during early childhood.

Factors which were found to be significantly related to lower cognitive scores included maternal characteristics (low maternal educational attainment and younger age) and socio - economic factors (living in an area of deprivation, an urban area of residence, larger family size and living in persistent poverty during the early years).

One possible mechanism may be that obligations associated with having more strains related to child care - taking may act as a barrier towards leaving the relationship during the early parenting years, but a long term association with low relationship satisfaction may eventually end in dissolution when the children become increasingly independent and the commitment towards them are decreasing.

Children who have disorganized attachment with their primary attachment figure have been shown to be vulnerable to stress, have problems with regulation and control of negative emotions, and display oppositional, hostile - aggressive behaviours, and coercive styles of interaction.2, 3 They may exhibit low self - esteem, internalizing and externalizing problems in the early school years, poor peer interactions, unusual or bizarre behaviour in the classroom, high teacher ratings of dissociative behaviour and internalizing symptoms in middle childhood, high levels of teacher - rated social and behavioural difficulties in class, low mathematics attainment, and impaired formal operational skills.3 They may show high levels of overall psychopathology at 17 years.3 Disorganized attachment with a primary attachment figure is over-represented in groups of children with clinical problems and those who are victims of maltreatment.1, 2,3 A majority of children with early disorganized attachment with their primary attachment figure during infancy go on to develop significant social and emotional maladjustment and psychopathology.3, 4 Thus, an attachment - based intervention should focus on preventing and / or reducing disorganized attachment.

Moreover, these efforts should begin early in development, as children are likely to benefit most from supportive home environments during the formative years of rapid language growth and learning.22, 62,63 Finally, interventions with parents that aim to support children's learning should attend to the cultural context of early development when working with parents from different backgrounds, and also consider the broader social context of parenting by attending to the barriers created by poverty and low parental education.

Scores stay low during early adolescence and increase linearly from 14 years of age to reach adult levels at 18 years of age; this pattern is consistent across ethnic groups, reflecting the reliability and generalization of the measure (Steinberg and Monahan, 2007).

For example, using data from 977 participants in the Study of Early Child Care and Youth Development, Anderson and colleagues [36] found that lower maternal attachment and sensitivity, assessed objectively during the preschool years, were associated with higher prevalence of obesity during adolescence.

Family and social risk, and parental investments during the early childhood years as predictors of low - income children's school readiness outcomes.

O'Neill moved up into the presidency a year early and, as a result, has been president during both the real estate market highs of 2007 and the lows of 2009.

«Overall commercial real estate leasing activity continued to grow in most markets during the closing months of 2012, which is modestly lowering vacancy rates in all of the commercial sectors early this year.»