Sentences with phrase «often much lower»

«Historically low homeownership rates across nearly every age demographic have led to a public policy push to lower the barrier to homeownership through down payments as low as 3 percent, but the fact is that the barrier to homeownership is often much lower than even that 3 percent for borrowers who take advantage of one of the myriad down payment help programs available across the country,» says Daren Blomquist, vice president at RealtyTrac.

VA mortgage rates are often much lower than comparable 30 - year fixed conventional mortgage rates.

The cost for this type of permanent insurance is often much lower than those that will build significant cash value.

These are not usually tradable as the guarantees on the policy are often much lower, and the discount between the surrender value and Asset Share (the true underlying value) is narrower.

If the retired spouse dies, those payments may be reduced for the survivor — survivor benefits are often much lower than retiree benefits — while many of the ongoing expenses remain.

Inland marine insurance will also step up if your shipped valuables are lost or damaged and the value exceeds the shipper's declared limit value, which is often much lower than you would think.

A quick settlement offer is often much lower than one could expect with the assistance of a skilled personal injury attorney from the firm.

For the climate change adaptation community, whose spatial scale of interest is often much lower than current high resolution GCMs can capture, the answer in general is no.

Near the surface the wind goes calm, mixing is near zero and conditions are perfect for re-radiation and minimum temperatures are often much lower than representative temperature for rurals areas.

High fiber fruits such as berries and apples are high in vitamins and antioxidants, lower in starch that may upset their stomach, and often much lower in calories.

Additionally, their liver and kidneys are immature which means their dosage is often much lower than that of an adult dog.

This is why private lenders are able to offer refinancing rates that are often much lower than initial federal or private student loan rates.

Similarly, the tax burden of simple index funds is often much lower than more complex actively managed funds as shown in this Vanguard graph.

According to data released last summer by Mellon Capital, the realized dividend yield of high - yield S&P 500 dividend stocks between 1996 and 2015 was often much lower than investors expected.

The rates are often much lower in the beginning and begin to rise over time.

For this reason, monthly premium costs are often much lower than traditional term life or whole life insurance policies.

And believe it or not, the fees are often much lower than what you're paying now.

The interest rates on a Home Equity Line of Credit or a debt consolidation loan are often much lower than credit cards.

Since student loan interest rates are often much lower than those for credit cards, it may be tempting to consolidate your balances into the lower cost option.

New, lower pricing models driven largely by startups — Even if your competitor's content isn't free it's still often much lower - priced than traditional publishers are comfortable with.

And let's not forget that e-book prices are often much lower than their hardcopy counterparts to begin with.

On the bright side, your will often find a good deal to be had taking your ski trip in March as prices are often much lower than for the rest of the season.

[24] While water fluoridation levels are often much lower than this, the fluoride bombardment continues with toothpaste and other sources.

Not exact matches

The rates for FastFlex loans are much lower than rates of many online competitors, which can often amount to 50 percent or more.

They have data limits and often the speed of their internet is much lower than a desktop computer.

J.D. grew up in a single - parent (often zero parent) lower - income home in Middletown, Ohio and also spent much of his youth in his family's cultural home of Jackson, Kentucky.

They seldom have much impact, and are often more likely to hurt low - level employees than CEOs or shareholders.

Broader green bond indices, usually an assortment of companies and sectors often unrelated to renewable energy generation, have seen lacklustre returns, much lower than those of appropriately - defined indices.

«Internet banks often have the [lowest] fees, better interest rates and can be much more convenient,» says Ken Tumin, co-creator of comparison site

The interest rate is fixed and is often lower than private loans — and much lower than some credit card interest rates.

In fact, sectors within a market often have much lower correlation to each other than the broad market index does to its global counterparts.

Large firms have associates and paralegals who often do much of the work at lower hourly rates.

Often a company's Payout Ratio can be lower if it's based on Cash Flow because the earnings can be affected by items like depreciation that have no bearing on how much real cash is available.

Often charging much lower fees than human advisers, robo - advisers can offer valuable services, including automatic portfolio rebalancing and tax - loss harvesting (selling securities that have experienced a loss to offset taxes on both gains and income).

FHA loans are government - insured mortgages that make sense for people with lower credit scores and smaller down payments, but they often don't let you borrow as much as conventional home loans.

These nonprofit financial institutions often offer financing to borrowers of all credit types with much lower interest rates than you'd get at other institutions.

Its basic message was that blue - collar workers - the sort of people who in my youth often made as much money as college - educated middle managers - were losing ground in the face of competition from low - wage workers in Asia.

The poor countries are poor not so much because they lack natural resources, but because their resources are being taken by others, often at very low prices.

We don't want to lean too much into our emotions and be led only by them, riding the often dramatically high peaks and the scary low valleys.

In reference to the skulls in the fire: Another idea that has come to mind is that in most cities, towns or villages in Jesus» day, the dead, particularly those from poor or lower ranking families who could not afford much of any ceremony, would be removed from the city limits and often placed into these «lakes of fire» garbage burn pits.

As the saturated fat is lowered in our food, most often denatured polyunstaturated fats and chemicals are increased to provide the flavour and mouthfeel feel humans love so much from fatty foods.

Anna Rhoades, I often use Coconut Secret's Coconut Nectar in place of agave as it's also a sticky liquid (so it doesn't change the recipe) and supposedly much healthier than agave with a low glycemic index and more nutrients.

We don't often think of soup so much in Summer but this low - carb Cream of Coconut and Broccoli Soup is perfect.

I would like to see recipes that are low GI, using agave instead of sugar (even non-refined still makes your blood sugar rocket) and complex carb and without too much butter (I often use sunflower oil in cakes instead).

Quite often, record - setting commodity prices one year will trigger much lower prices the next.

Loan deal to lower league often include recall clause — Like Le Coq last season Don't think we should read too much in this

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

His weak points is that he loses the ball much (obviously) and that he too often tries low percentage plays like shots from distance and hopeless crosses.

Joining a club of arsenal s stature has its ups and downs.There is a requirement of how our players should perform when on the pitch.The following is a list of players who were wrong to choose arsenal.Aaron ramsey - Even though he is the most favoured of all players at the club now.I cant help but think how it would have gone for Him if he decided to search for other greener pastures.He was a clear talented footballer during his time at cardiff but he hasnt been raised with the discipline at arsenal.You can always see ramseys all round strengths but sadly Its not helping him or the club with his foward moving pleasurr.He is so Over used and its sometimes difficult for him to get used to the rythm of the game.With time you realise he gets low ib confidence and his engine gets wasted.He needed somebody who would have managed him properly and with care and that person is certainpy not wenger.You would have been better off at Manu mate.Calum chambers - Came us a very talented player from southampton with raw talent.He was very good at first but wenger found a way to reduce his level of confidence.His inexperience was left exposed and wenger did nt do anything to resolve that problem and instead He looked for other talented players.Alex oxlade chamberlain - Another very talented player who needed only his skilled sharpened and his character modelled.That and he was ready to become a world beater.But wenger decided to let him run and run like a headless chicken causing him to be often injured and damaging his confidence.Who knows what would have happened to him gad he decided to look for more greener pasture.He is surely a much better player than this.Theo walcott - Another player who was tipped to have a very bright future.He had it in him.But all he needed was an appropriate manager who would nurture him with discipline and help him with his talent.But on Coming to arsenal he was given Much more responsiblities putting more weight on his shoulders on top of that another player who was recklessly managed with his talent and never coming off age because his character wasnt properly shaped.Mesut ozil - Al right i agree he perfoms well just recently.But imagine all the legendary players he was often compared to during his time at real madrid.On coming to arsenal he found no rotation often overused, suffered many injuries and his confidence dwindled.It is pretty clear arsene does not take any responsibility for players.And when at arsenal you have to be your own manager.You need not rely on your manager otherwise you might continue being the same player for the next many years.That is why each and every player are what they are because of their own efforts and wenger had nothing to do with it.Van persie was the same player for over 7 years untill he himself decided to change.Wenger only organises and prepares tge team while the rest is in your court.It is not what so many people make it out to be.Thats why we need to pressure wenger more than our own players.They are their own self managers and wenger needs to take that responsibimuch better player than this.Theo walcott - Another player who was tipped to have a very bright future.He had it in him.But all he needed was an appropriate manager who would nurture him with discipline and help him with his talent.But on Coming to arsenal he was given Much more responsiblities putting more weight on his shoulders on top of that another player who was recklessly managed with his talent and never coming off age because his character wasnt properly shaped.Mesut ozil - Al right i agree he perfoms well just recently.But imagine all the legendary players he was often compared to during his time at real madrid.On coming to arsenal he found no rotation often overused, suffered many injuries and his confidence dwindled.It is pretty clear arsene does not take any responsibility for players.And when at arsenal you have to be your own manager.You need not rely on your manager otherwise you might continue being the same player for the next many years.That is why each and every player are what they are because of their own efforts and wenger had nothing to do with it.Van persie was the same player for over 7 years untill he himself decided to change.Wenger only organises and prepares tge team while the rest is in your court.It is not what so many people make it out to be.Thats why we need to pressure wenger more than our own players.They are their own self managers and wenger needs to take that responsibiMuch more responsiblities putting more weight on his shoulders on top of that another player who was recklessly managed with his talent and never coming off age because his character wasnt properly shaped.Mesut ozil - Al right i agree he perfoms well just recently.But imagine all the legendary players he was often compared to during his time at real madrid.On coming to arsenal he found no rotation often overused, suffered many injuries and his confidence dwindled.It is pretty clear arsene does not take any responsibility for players.And when at arsenal you have to be your own manager.You need not rely on your manager otherwise you might continue being the same player for the next many years.That is why each and every player are what they are because of their own efforts and wenger had nothing to do with it.Van persie was the same player for over 7 years untill he himself decided to change.Wenger only organises and prepares tge team while the rest is in your court.It is not what so many people make it out to be.Thats why we need to pressure wenger more than our own players.They are their own self managers and wenger needs to take that responsibility

You wonder how much of his lower clip from deep has to do with Chicago's lack of spacing — he was often the only Bull on the floor who was even a threat from deep.