Sentences with phrase «without years of investment»

Tools like Skype Translator, XiaoIce chatbot and the Cortana virtual assistant would not have been possible without years of investment in machine learning, speech recognition and natural language processing.

Not exact matches

Derivatives trading is the culmination of a wild year for bitcoin, which captured imaginations and investment around the world, propelled by its stratospheric gains, and its anti-establishment mission as a currency without the backing of a government or a central bank, and a payment system without a reliance on banks.

Kaltura, for example, was founded eight years ago and has since raised more than $ 100 million from various venture capitalists and banks, all without the aid of an investment bank.

Google reported more than $ 14 billion in profit on $ 66 billion in sales last year, most of it from lucrative Internet advertising, while other ventures have required large investments without showing immediate returns.

GREENBLATT: Well you know I taught at Columbia as I mentioned for the last 22 years and so I tell my students that first day of class actually, I tell them that you know I don't think there's a lot of social value in being an investment manager, it's not that I don't think investors who do work set help set prices and allocate capital and all those things, but I just think A, they're not very good at it, and B, it'll get done without you.

It is sustained by strong commerce and international reserves that could cover eight years of a trade deficit without need of foreign investment,» Rodríguez says.

It never ceases to amaze me how many people in blog comments, on forums etc, see bonds as a 100 % nailed - on appalling investment over the next coming years without any trace of humility.

With interest rates still hovering near the lowest levels they've ever been in 5,000 + years of recorded human history, it's very difficult to achieve a significant investment return without taking on substantial risk.

Our research shows that constructing a portfolio holding tax - efficient broad - market stock investments in taxable accounts and taxable bonds in tax - advantaged accounts can minimize taxes and add up to 0.75 % of additional net return in the first year, without increasing risk.

This benchmark is based on a 4 % withdrawal rate, meaning that if you have 25x worth your annual expenses saved in your retirement accounts, you will be able to support your desired lifestyle by withdrawing 4 % from your investments every year in retirement without running out of money.

If you manage to save just 1.5 MM by the time you retire after a career pinnacle of $ 125k / year, even a conservative investment return of 5 % will earn 75k / annually without even reducing the principle balance.

Scholz also said: «I welcome the clear statement from Deutsche Telekom that the transaction will not have any impact on its broadband roll - out in Germany and that planned investment of 5 billion euros per year will be carried out without cutbacks.»

so wet people say we finished second, it was a great position, but don't be lulled into a false sense of security, we finished second as we were not quite as crap as the others... last year was our best chance to win the premiership... without investment, and a CB and striker, we will not finish in the top 3 this year

Quoting ticket price, his 8M salary then demand titles every year, without acknowledging that at the end of the day we are 4th in the league in term of investment (behind Chelsea, Man City, Man Utd).

In the e-mail, a copy of which was obtained by SI, Blake claimed without caveat that «Triton is averaging 32 % annualized return on its investments within the past five years.»

I think we need a new manager and may improve some performance aspects of our team, but my view is that without significant investment it will take many years to get us back to a title challenging team.

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...

Any potential dividend gains though, have to be considered against the risk that the share price could drop and mean that I would have to wait for a period of up to three years before I could withdraw my investment without incurring a loss, or worst - case scenario I could be faced with an overall loss at the end of up to a long and painful three year wait.

With a convertible crib, you will make one initial investment and will have a piece of furniture that will last long for years without the need for costly extra beds.

Underlying borrowing has effectively increased by # 36 billion by 2017/18, while without spending on investment the Treasury now faces a budget deficit of 1.6 % by the same year.

The Cuomo administration's own Office of Mental Health stated in its most recent five year plan that current «state psychiatric hospital capacity can not be responsibly and rapidly reduced without managed investments in community care.»

The Cuomo administration's own Office of Mental Health stated in its most recent five - year plan that current «state psychiatric hospital capacity can not be responsibly and rapidly reduced without managed investments in community care.»

A growth policy, which is desperately needed, could be generated without any increase in public borrowing, by switching Mervyn King's further # 25bn tranche of QE from the banks to industrial investment, by taxing the ultra-rich on the # 155bn gains they've made (according to the Sunday Times) over the last 3 years, and / or by instructing the nationalised banks RBS and Lloyds to prioritise their lending on jobs in house - building and infrastructure.

SelectOne officials said the project needed IDA tax breaks because, without them, the renovation work would have a negative return on investment of 1 percent over the next 10 years.

Of course Rolex watches have been around for years, the replica watches have been known to be such high quality, that I feel quite comfortable wearing one, knowing that I have made a good investment without breaking my bank account, with my stylish new watch.

I'm also happy to hear you might do more posts on affordable responsible fashion — that almost seems like an oxymoron, but as a person with not a lot of disposable income I'd really love to know how to add to my wardrobe (thoughtfully, or course), without having to save for a year when the piece I want is no longer available... (But also, yes, thinking more about wardrobe additions as investments, too.)

Linda Darling - Hammond argued to me that «with respect to the agenda that began with No Child Left Behind, which has been sort of high - stakes testing without investing, and very little investment in teacher training and capacity, and so on, I would say that these last six years have been a continuation of the eight years that preceded them.»

«More than twenty years of WIMMER Rennsporttechnik tuning and programming experience are without any doubts an investment into driving fun,» says the tuner.

After years of floundering under Ford ownership without proper investment in research and development, Jaguar had been reduced to a lineup of old, unloved cars and a bad reputation when it came to reliability.

• I like to be in control • I like to keep as much of my profit as possible • I am prepared to make upfront investments without guarantee of success • I am prepared to commit 20 hours per week, every week for 2 years working on my book

The performance of inventory — how many times it «turns» in a year and how successfully the store manages to buy what it needs without wasting investment (tying up cash) and incurring margin - destroying revenueless - costs (return freight, probably added to inbound freight, plus wasted labor shelving, removing, packing, and shipping)-- is, by far, the single biggest determinant of whether a store succeeds commercially or fails.

Of course, once your credit card is paid off after three years, you can start a savings and investment program in Year 4, redirecting some — or all — of the $ 1,650 you were paying on your credit card and put it into a TFSA or RRSP instead, growing your money over the years without much troublOf course, once your credit card is paid off after three years, you can start a savings and investment program in Year 4, redirecting some — or all — of the $ 1,650 you were paying on your credit card and put it into a TFSA or RRSP instead, growing your money over the years without much troublof the $ 1,650 you were paying on your credit card and put it into a TFSA or RRSP instead, growing your money over the years without much trouble.

I am Jeff Adams and with the years of experience behind me in this field I am here to offer you some valuable advice about the hedge funds investments, the various strategies they adopt for investing in real estate and how as a small investor you can not only survive but even thrive in their presence without competing with them.

It is not possible to answer your question about the most economical use of your cash, without a full understanding of your investment goals, including your tolerance for risk and how many years or decades you are planning to invest for.

The beauty of a IRA or Roth IRA is that if the fund you want is out of reach for this initial investment in a few years you can transfer the money into another fund or even another fund family without having to worry about tax issues.

How do you know how much of your investments you can withdraw every year without running out of money?

This is what I like to see — our income is increasing from quarter to quarter, even without much in the way of new investments in the last year or so.

Bottom line: Until someone can accurately predict how long you'll live and how your retirement investments will perform, it will be impossible to know precisely how much you can spend from savings each year without the possibility of depleting your savings too soon or ending up with a large nest egg late in life.

The return of the growth is calulated after substracting the MER.75 % of the principal is guarenteed at maturity.You can also withdraw 10 % without any penality in every year from the segregated funds.You can also do SM through Manuone.If you can put 10 % with CMHC insurance, either borrow a lumpsum from the subaccount, if you have the equity, or can use dollar cost averaging.In this case you pay only prime rate for the mortgage aswell as for the subaccount just like a credit line.The beauty of the mauone is that you can pay of the mortgage at any time if you have the money.Any money goes into your account will reduce your principal amount, and you pay only the simple interest at prime for the remaining principal.With a good decipline and by putting the tax returnfrom the investment in to the principal will reduce the principal subsatntially.If you don't have the decipline don't even think of this idea.I am an insurance agent, recently I read this SM program while surfing the net, I made my own research and doing it for my clients.I believe now 20 % downpayment can get a mortgage without cmhc insurance.Fora long term investment plan, Manuone with a combination of Segregated fund investment I believe is the best way to pay off the mortgage quickly and investment for the retirement.

Betterment is an automatic investment firm that boasts some of the lowest fees in the industry (including up to 1 year for free when you sign up through this link) and makes life easier by giving you the ability to automatically rebalance your portfolio without exorbitant payments to financial advisors, yet also more control than a target retirement fund like Vanguard which makes all the decisions for you.

A few years ago I was introduced to the idea of having an investment plan, and once I saw it, I wondered how I invested without it during the years leading up to my implementation of it.

The 4 % rule holds that retirees can safely withdraw 4 % from their retirement savings investment portfolios each year without running out of money.

Reinstatement Privilege If all or a part of an Account Owner's Class A Units in the Advisor Plan are redeemed in connection with a withdrawal or transfer, and the Account Owner purchased the Class A Units subject to an Initial Sales Charge or paid a CDSC on their redemption, the Account Owner may reinvest an amount equal to all or a portion of the redemption proceeds in Class A Units of the same Investment Portfolio or any other Investment Portfolio at the Net Unit Value, without the imposition of an Initial Sales Charge, next determined after receipt in good order of the contribution, provided that such reinvestment is made within one year of the withdrawal or transfer.

Select up to a maximum of 99 investments and adjust options or allocations up to 25 times each contract year without transfer fees.

For the next six years my personal stock investments went up an average of 24.4 % per year − compared to the S&P's 2.3 % − without a single losing year, compared to three for the S&P.

«GICs have done a good job beating inflation over the past 60 years,» says David Trahair, a CPA and author of Enough Bull: How to retire well without the stock market, mutual funds, or even an investment adviser, who has written extensively on GICs.

The idea is to meet your cash flow requirements for the first five to 10 years of retirement without the need to sell investments at possibly beaten down prices.

Even WITHOUT factoring in investment returns, etc. — would you rather payoff your mortgage with today's dollars or dollars from 15 years in the future when you know (with 99 % certainty) that the value of a dollar will be less?

The rate on 1 - year cashable GICs is guaranteed for one year, but you can access the funds (in whole or in part) any time after 30 days without penalty, subject to a minimum withdrawal amount and maintaining a minimum remaining balance of $ 1,000 for TD Direct Investing non-registered and TFSA investment accounts and $ 500 for TD Direct Investing RSP, RIF, RESP and RDSP investment accounts.

The rate on a 1 - Year U.S. Dollar cashable GIC is guaranteed for one year, but you can access the funds (in whole or in part) any time after 30 days without penalty, subject to a minimum withdrawal amount and a minimum remaining balance of $ 1,000 for TD Direct Investing non-registered investment accouYear U.S. Dollar cashable GIC is guaranteed for one year, but you can access the funds (in whole or in part) any time after 30 days without penalty, subject to a minimum withdrawal amount and a minimum remaining balance of $ 1,000 for TD Direct Investing non-registered investment accouyear, but you can access the funds (in whole or in part) any time after 30 days without penalty, subject to a minimum withdrawal amount and a minimum remaining balance of $ 1,000 for TD Direct Investing non-registered investment accounts.