Sentences with phrase «lower than this time last year»

With the FHA's half - point reduction in monthly mortgage insurance premiums, and mortgage rates that are lower than this time last year, it's worth finding out if you could benefit from refinancing.

MCLEAN, VA --(Marketwired - Dec 7, 2017)- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey ® (PMMS ®), showing average mortgage rising, but still lower than this time last year.

Inventory is now 6.5 % lower than this time last year, marking the 27th consecutive month of year - over-year decreases.

Inventory is now 7.1 % lower than this time last year, marking the 20th consecutive month of year - over-year drops.

Not exact matches

With Memorial Day weekend on the horizon, the overall domestic summer box office is ten percentage points lower than it was at this time last year.

WellCare's net income rose more than $ 100 million in the third quarter of 2017 compared to the same time period last year thanks to stellar growth in its Medicare business and much lower - than - expected medical costs for its Medicaid plan holders relative to their premiums.

Cheapflights, meanwhile, is offering up a list of 10 destinations to consider where the airfares are more than 15 percent lower than they were at this time last year.

«Asset values such as the stock market are at all - time highs, every major industry around the world last year grew by more than 20 percent, volatility is at an historic low.

Amazon is paying less than Emaar's offer of $ 800 million, sources said, making it lower than the $ 1 billion valuation at the time of Souq.com's funding round last year.

Blacks in Minneapolis were 8.7 times more likely than whites to be arrested for low - level offenses, such as trespassing and disorderly conduct, according to a study of arrests from 2012 to 2014 that the American Civil Liberties Union of Minnesota published last year.

Unemployment, at 7.1 per cent, is slightly higher than it was a year ago, but lower than at most times in the last 40 years.

Fleetwide occupancies at the present time are lower than a year ago, with pricing at the present time slightly lower versus last year.

«The drop in revenues in light of shipment increases demonstrates that the servers that shipped during the period had lower average selling prices than those that shipped in the same time frame last year.»

For the last two years, the consumer - price index has increased less than 2 %, the first time in 15 years it has been that low in consecutive years.

As a matter of fact, this is one of the main reasons for underperforming in last few years - the so called «British core» - overrated and low quality British players, well bellow, in quality, to foreigners.To spend 32 millions on 2 mediocre English players - Welbeck and Chambers - when you can get foreign «wizzards» for that type of money is suicidal.Now, go on an analyze how much Wilshere, Gibbs, Ox, Walcott and Ramsey helped the team to be the best in the last few years.And how much, for instance, did Sanchez in only few months.Alexis is better than all «British core» combined and cost a fraction of these overrated players.The time we get rid of the british players is the time we go back on top.Time will tell...

I'm so sick of people telling those of us who are disgruntled fans to relax and give this club time to correct itself... for anyone who believes that taking a wait - and - see approach is appropriate at this juncture they should take a good long look at themselves in the mirror because they are a big part of the problem... no other «big» club's fans would stand for this shit for nearly as long as we have... think about it, we've witnessed a changing of the guard at every major club in England, Spain, France and Germany in the last several years because those «big» clubs failed to live up to expectations (Barcelona, Real Madrid, Bayern, PSG, Chelsea, ManU, ManCity etc...)... for some reason, many fans have become as fragile as our current manager, believing that there couldn't possibly be a suitable replacement, even though everyone of these clubs have found multiple replacements and still achieved far more than our club... this mindset has been created by an organization that has been milking it's fans, telling countless lies (no world class players available) and lowering expectations every since they rolled out the biggest lie of all: that we couldn't spend because of the new stadium but once it was paid off we could compete with any team in the world... this organization is rotting from the inside out and if we don't demand that those in charge put soccer first this despicable behaviour won't end with Wenger's ridiculous 2 year contract... I think the real fear isn't that a suitable replacement doesn't exist, but that this organization is so money hungry and poorly mismanaged that we will sink even lower by choosing our next coach the same way they choose our players, on the cheap... even so, we need to see what mustache will do if left to his own devices so he will have to show his true colours... only then can we purge this club and start anew

Its simple really, Wenger is a very poor manager and has been poor very almost 10 years now, he makes insanely stupid decisions and moves than not even a non league manager would make e.g Kim Kallstrom, 40mil + 1 for Suarez, not siging an out field player last season, playing Ozil on the left wing for some time, Flamini siging, being snubbed by Vardy etc, the list goes on and on and on, Chelsea go in for Kante in within 4 days deal is done, But noooo Wenger goes in for crack head Vardy and gets snubbed, I'm sorry but if we had to choose over 2 new world class sigings or a new coach I'd opt for the new coach, Wenger is a poor poor manager, he ia lower than the level of our club, anyway thanks in advance for the thumbs down.....

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

I started googling way back in may who could we be buying gonzalo higuian, julio cesar and wayne rooney but realize going by history wenger just as no interest in buying world class players, he wants 2 buy d grade players and turn them up to koscienly nd nasri that will take years while da arsenal faithful pay handsome figures for dismal performances, fans allowed wenger 2 get away when he gets away with these lucky matches of fenerbache been strong on paper but a waste of tym on the pitch, also it happen at bayern but they put a slighty weak team but wenger runt his mouth around of how good da team was after that 2 - 0 win, not forgetting it was bould that got the team defense looking solid while wenger moan about referee decisions and no blame on team, I just feel we (arsenal) have allowed wenger and co to misuse us, so now our main target aim is benzema yet giroud plays more often than him for france, can any1 see how wenger is lowing our standards and expectations at arsenal, I wil be over da moon if wenger does not sign an extension wit us, after the gilberto days and disaterous results and teams we play, his approach to the game defensely which is pathetic and his annoying behaviour.So what if manu and chelski haven't really bought they are already strong it was seen last week now we should be worried about our selves since that villa defeat, jst imagine what the man's and london money maniac's are goin 2 do to us, I can see it already coming from wenger, if we find the right player we will buy him, after sept2, we didn't find da right player but the squad can challenge for the title, its so sick having 2 hear that crap, just take him psg, I just wish the fans would say we had enough of this bullshit transfer policies its time we stood up against these pigs of directors by protesting!

The analysis, published by the Labour party today, shows that average earnings are # 1,350 a year lower than they were at the time of the last General Election.

He says Lake Ontario is about 16 inches lower than it was at this time last year, although the lake level is about 8 inches higher than its long term average.

«What matters are results: crime is down 6 percent from last year's record lows, more affordable housing is being built than at any time in the past 40 years and the city has added more than 150,000 jobs since the mayor took office.»

WHEREAS the federal minimum wage would now be more than $ 10 if it had kept up with inflation, but Congress has tried to raise the minimum wage only three times in the last 30 years thereby leaving lowest - paid workers with just $ 7.25 an hour or about $ 15,000 annually for persons working full - time; and

Applying high - throughput sequencing technologies to obtain sequences from most of the genome, we calculated that the passenger pigeon's effective population size throughout the last million years was persistently about 1/10, 000 of the 1800's estimated number of individuals, a ratio 1,000 - times lower than typically found.

This time last year I did no exercise and ate a lot of junk food although my calories would still have been quite low and I was a stone lighter than what I am now!

That also lowered the company's net profit to less than $ 3.2 billion for last year, The New York Times reports.

As a RWD 4Runner owner (for the last 17 years), I chose it because the engine (3.4 liter) at the time was only adequate, even with 350 pounds less weight than the part - time 4WD system that was offered on lower - than - Limited models, the less - punishing ride, lower maintenance / repair costs, fuel economy, etc, etc..

American States Water (AWR) trades at 16 times forward earnings estimates, and generates very low returns on invested capital (5.15 % in the trailing 12 month period, which was higher than in any period in the last 10 years.)

And one last word: from all the research I've done, I've found it's generally better to rent IF your rent is lower than average and you are confident that it won't rise any time soon, IF you plan on moving a couple years, or IF you can get higher - than - average returns from whatever you're investing your cash into (that is, the cash you would be spending on a down payment.

Rates are currently lower than they were at this time last year, so even if your mortgage is recent, locking in a lower rate can end up saving you substantially in the long run.

Zillow Chief Economist Svenja Gudell said the 2018 home - buying season is likely to be even busier than last year — and the groups that are going to have the biggest problems are lower - income and first - time buyers.

Even better, the stock trades at 75 % of book value and at 8.3 times earnings, quite low considering the company has more than doubled its book value over the last 10 years.

It bears repeating: Los Angeles mortgage rates are nearly a full percentage point lower today, at the start of 2015, than the same time last year.

At the same time the Continue reading Apartment Loan Rate Ends Year Lower Than Last

Last year my solution was to park funds in several municipal bond funds under the theory that the low interest rate environment would last much longer than was, at the time, deemed possiLast year my solution was to park funds in several municipal bond funds under the theory that the low interest rate environment would last much longer than was, at the time, deemed possilast much longer than was, at the time, deemed possible.

One last important aspect here is that even though the quarterly percentage increase is likely far lower than what the annual result will show at the end of the year, this is somewhere around seven times the inflation rate of 0.8 % we experienced last year.

CheapOair's travel trends report showed that while domestic ticket prices in 2017 have been slightly higher than this time last year, they are still lower than the average since 2013.

- for Sonic's 25th anniversary last year, Iizuka received a task to deliver some sort of product - the target was «dormant fans» who used to play the SEGA Genesis, but haven't really played any games since - Iizuka met Christian Whitehead, which lead to the creation of Sonic Mania - there was talk of another port, but Iizuka thought fans would desire something new from the old games - this is the first time Iizuka partnered with a team of devs spread across various countries - Iizuka said this team had a greater passion to create - this was in comparison to companies that set decisions on a pre-determined schedule (in meetings, etc)- the team had so many features they still wanted to add after the beta version was complete - since there were only a few spots with text that needed to be localized, they could bring the game to more places quicker - the game has Japanese, English, French, Italian, German, and Spanish support - the Studiopolis stage is included due to receiving the most requests from the Sonic Mania development team - Iizuka actually considered reducing the amount of stages at one point in order to meet the development schedule - Sonic Mania doesn't really have much in the way of cut content like scrapped stages - since Sonic Mania was only distributed digitally, the team was able to continue working very close leading up to launch - this let them put in practically all ideas, and there are currently no plans for DLC - Iizuka recommended Flying Battery Zone for inclusion becaues he likes the music - he also likes when the player goes inside and outside the ship - Iizuka likes Mirage Saloon because the stage structure will be different depending on the player character chosen - Puyo Puyo gameplay was added because there was a Puyo Puyo game released in the west for the SEGA Genesis - this game was originally called «Dr. Robotnik's Mean Bean Machine», and the team thought it would make a fun boss battle - Iizuka didn't have plans to feature Blue Sphere in the special stages - the Blue Sphere special stages were brought over to Mania as a test, but ended up staying for the final game - the team felt the need to continuously connect stages from various eras, which is doe with the Phantom Ruby story - for Sonic Mania, it was decided that the technological limit would be set at SEGA CD, - this is higher than the Genesis but lower than Saturn - in creating a SEGA CD - grade special stage, they would intentionally make SEGA CD - grade polygons

Evoking the tone and mood of many of the allegorical murals he created earlier in his career, Hassam noted of the work at the time that «Montauk must look now as did countless years ago, when gods played their last game of jackstones, the mosses and low flowers grew as they do now and there could be no great forests, no higher than now, for the winds were always blowing.»

So saying «this last 10 years has a trend much lower» means nothing since the same has happened before and yet we are still much higher at this lower ebb than any time before 1979 (IIRC).

Merely by quoting from the NY Times however (the rise in temps over last 15 years is markedly lower than prior 20), he had no trouble jumping to this florid depiction of what had hit the hockey stick: a «forlorn droop».

Or, trying to «correct» for the different lifetimes of the gases using Global Warming Potentials, over a 100 - year time horizon (which still way under - represents the lifetime of the CO2), you get that the methane would be equivalent to increasing CO2 to about 500 ppm, lower than 750 because the CO2 forcing lasts longer than the methane, which the GWP calculation tries in its own myopic way to account for.

It certainly looked likely at this time last year that the sea level in 2010 would be lower than 2009.

USA Today: In a bit of encouraging climate news, the U.S. government reported Monday that U.S. emissions of heat - trapping greenhouse gases from the burning of fossil fuels were lower last year than at any time since 1994.

However, the winter maximum extent has been lower during the last six winters than at any other time during thirty years of satellite records.

Why not that CO2 levels only became 300 ppm or less in this period, lower than at any time in the last 100 million years.

Depending on the rate of fossil fuel burning, the pH of ocean water near the surface is expected to drop to 7.7 to 7.9 by 2100, lower than any time in the last 420,000 years, the Royal Society report said.

At Element, each guest rooms contains low flow fixtures, which save 5,300 gallons of water per room each year; compact fluorescent light bulbs (CFLs), which last 10 times longer than standard incandescent bulbs and use 75 percent less energy; Energy Star rated appliances, recycling bins, and of course, signage that encourages guests to hang your towel if you want to use it again or leave it on the floor if you don't, which is simply common sense.

Last year, utilities permanently shuttered five more reactors, lowering the number of operating units in the United States to fewer than 100 for the first time in two decades.

Whittier's first - time bar passage rates have been lower than the California state average in the last few years.