Sentences with phrase «years or less using»

Most people can be out of debt in less than two years or less using these programs.

He recommends limiting total student loan debt at graduation to less than what students expect their annual starting salary to be so they can afford to repay their loans in 10 years or less using 10 percent of their gross income.

Not exact matches

Or, at least, they're using a lot less water to make it: MillerCoors announced this week that they've reduced their water consumption by 9.2 % over the past two years, saving roughly one billion barrels of water.

Investigators believed the company's reviews over whether to supply customers more controlled substances were not meaningful and were used as a sales tool; customers were granted threshold increases for reasons, like the 4th of July, or the closure of an area pharmacy years earlier, that the government considered less than compelling.

Without Potash Corp. and its 44 % drop from a year ago, those using this screen would have finished the year more or less whole.

For example, Stinchcombe said, buying a deferred annuity in your 60s that kicks in at 80 or 85 may use up less capital than holding back savings to cover those later years.

As a result, according to a survey conducted last year by Focus Research Systems Inc. of West Hartford, Conn., less than 7 % of American small businesses (those with fewer than 500 employees or less than $ 25 million in sales) used on - site computers.

I prefer to use the GDP deflator, which until about 3 - 4 years ago was in the 8 - 10 % region and currently runs around 1 - 2 % or even less, depending on the period you are looking at.

In comparison, a meta - analysis of randomized controlled trials of artificial or low - calorie sweeteners published last year in the same journal found that their use led to lower body weight and less overall fat.

It, however, did include the requirement for companies to use boilerplate consumer protection and transaction receipt clauses as well as the ability for low or no risk companies operating with less than $ 1,000,000 in outstanding obligations to pay a $ 500 application fee for a two - year provisional license that can then be renewed.

What I'm doing: I use this site to write out goals like 1) Generating $ 200,000 a year working 4 hours a day or less, 2) Trying to make winning investments, and 3) Keeping track of my passive income streams with free financial tools.

The soap will last a very long time at least 3 months or longer with daily use and this is if it was my only soap which it is not so I expect a good 1 year plus use of this tub so for the price it costs less than a dollar a month for one of the worlds classiest and most respected soaps and brands in the shaving world.

For most cryptocurrency use cases, mass user adoption is still years off: «Less than 10 million people «use» crypto today, and aside from use as «digital gold» or «payment rail», other use cases won't have meaningful traction for 18 + months at fastest.»

In addition, Oxford Economics found that employees who didn't use 11 to 15 days of paid time off last year were actually 6.5 percent less likely to have received a raise or bonus in the past three years compared with employees who took all of their paid time off.

«I don't know whether people are using Twitter less or if Twitter is throttling the data available in their API,» wrote OpenBible.info's Stephen Smith, who analyzes the numbers each year.

So because there isn't a single reliable Radioactive Isotopic Dating Method (and dismissing that using many methods together is what we do), you have determined that the earth is 10,000 years old or less.

The species of wheat that we in the West use for bread only developed in the last few thousand years as a result of two episodes of sympatric speciation (different to selective breeding, but an agent of evolution none the less) and the various Shiraz, Char.donnay and Pinot Noir gra.pes we enjoy today, in the form of wine, were all developed and perfected in the last 100 years or so.

Hansen's assessment is simple: we need, as a planet, to be emitting less carbon dioxide inside of ten years — an enormous task given that China and India are finally beginning to use power in appreciable quantities (and not for luxuries but for the second light bulb or first refrigerator in a house).

While we can go with a 9 % reduction in stores, some were considered «under performing» and there's no good way to determine if Caribou buys more or less coffee than it used to; around the time JAB acquired it, Caribou was buying over 9,000 metric tons of Rainforest Alliance certified coffee a year.

GWE Anaerobic technology plants can typically pay back the cost of their introduction within two years or even less — and then go on working 24/7, virtually in perpetuity, to provide biogas for their owners, who can use the energy for their own purposes, he says.

In the last 10 - 15 years football has changed quite a bit, in the way that many teams now use more or less their whole team to defend, when the opponents have the ball.

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

Young made 26 Premier League appearances last season, used both as full - back or in his more accustomed role further up the flank, but is yet to sign a new contract with his current deal set to expire in less than a year (via the Daily Mail).

we can't even get rid of players that have barely mannered to us for several years... which is incredibly annoying considering that our beloved owner would never risk his own financial resources whether he brought in some new blood or offloaded several failed Wenger projects for less than market value... he would simply make a little less and the burden would fall squarely on other sources of income, primarily us... I don't know about you but I would gladly use all the money they have been stockpiling to rid ourselves of those that don't meet acceptable standards and to replace them with a few higher priced gems... I know, I know, Wenger and his minions have been scouring the globe for years now to find anyone that was as good as our current lot to no avail, but I've just got to believe there must be two or three guys somewhere out there that can play this crazy game

It is important to NEVER use Benadryl or any other sedating medication to babies less than 1 year old just to make them sleep.

Oh yeah, my ex-wife divorced me (the marriage was less than 20 years) and has refused to use a penny of alimony or the money she received from me at the time of the divorce, let alone her own income, for the children.

For children 6 months to 2 years, use only if there is a high risk of mosquito bites, and then use only once a day (use product containing 10 % DEET or less).

Although each of the teams using the PEP exercise program had a dedicated athletic training staff, the success reported in the earlier study in reducing ACL injuries among 14 - to 18 - year - old competitive female club soccer players - who ordinarily do not benefit from direct oversight from certified athletic trainers (ATCs) or physical therapists - suggest that the program may benefit other age groups and levels of play where direct oversight by medical professionals is far less common.

During these two years, your little one will go from taking a few tentative steps to running, jumping, and moving with increased coordination; from using a handful of words to having a broad vocabulary (and talking up a storm); and from being able to focus for three minutes or less to having an increased attention span that opens the door to all kinds of new toddler activities.

Parents who use Hi - Way or Two - Way change angle once a year or even less.

Whereas most children's trampolines can't bear over 77 pounds of weight or even less, The Original Toy Company Fold & Go can support up to 150 pounds; that means your child can use it from 3 years of age until elementary school ages!

It really went with my «brand new mom» vibe that I was going for (or unconsciously falling into as I suddenly could not care less about pillow covers), and I used that dang thing until it was flatter than my boobs are now, years after breastfeeding.

That makes medications less profitable than, say, insulin or Viagra, which patients use for years.

In another example, we campaigned for 9 years to force Nestlé to accept a 1994 World Health Assembly (WHA) Resolution saying that complementary feeding should be fostered from 6 months of age — Nestlé routinely promoted such foods for use from 4 months of age or even less.

I have seen other moms complain on social media mom groups about rockin green saying it isn't good for cloth diapers, but obviously when they have only been doing cloth diapers for a year or less, and I have been doing it for about 5 plus years... Its very possible they are not using it properly.

Fifteen years ago I trained my standard poodles — and after 14 years, finally got them to walk without pulling me off my feet by using a constant treat technique of giving them a treat more or less every 10 feet — I call it the Pez technique.

Most interventions are used less now than in the past — those that were routine just five or 10 years ago are currently used only on an as - needed basis.

I've written in a bit more detail elsewhere about just some of the important differences that exist (and this post builds on and overlaps somewhat with my earlier post), even within the Western world, between countries like the U.S., where the newspaper industry has suffered greatly in recent years, and then other countries like Germany or the Nordic Countries, where developments have been much less dramatic — though these countries have levels of internet penetration and use that are as high as or higher than in the U.S..

Until less than a year ago, there was no oversight of how lawmakers used, or misused the per diem expense payments they receive while in Albany.

He added that in most four - year terms, the first year is used in getting acclimatized to the office and the last year turns into a political crusade of campaigns, leaving but a year or less depending on the political climate,

Students can use all three to cover full tuition at State University of New York or City University of New York college, including two - year community colleges, if their families earn less than $ 125,000.

In recent years, the use of transcatheter aortic valve replacement, or TAVR, has made the repair safer: Physicians place a new valve in the heart via a catheter inserted through the patient's leg, which results in less injury and an easier recovery than open heart surgery.

My previous all - time winner was a woman in Boston a few years back who had no choice but to use her knees and elbows to more or less guide her vehicle's trajectory along Storrow Drive, because her hands were busy holding the phone and writing notes recording key aspects of the conversation.

New American Cancer Society (ACS) breast cancer screening guidelines, and previous data used by the USPSTF to create its recommendations, state that annual screening in women 40 - and - older saves thousands more lives each year than screening at a later age and / or less frequent screening.

Men who produced ejaculates with less than four percent normal sperm were nearly twice as likely to have produced a sample in the summer months (June to August), or if they were younger than 30 years old, to have used cannabis in the three month period prior to ejaculation.

Contrary to advertiser claims that e-cigarettes can help consumers stop smoking conventional cigarettes, teenagers who used e-cigarettes and conventional cigarettes were much less likely to have abstained from cigarettes in the past 30 days, 6 months, or year.

While study participants also were much less likely to use any formal sources of assistance or support in resolving problems with cannabis than those whose problems were with other substances, that finding was less common in those who resolved a cannabis problem more recently, which may reflect the increased availability and potency of cannabis in recent years.

«Of course, we can not predict individual rainstorms in California and their local impacts months or seasons ahead, but we can use our climate computer model to determine whether on average the next year will have drier or wetter soils or more or less wildfires.

But using nondestructive extraction, even small spiders with a body length of 4 mm or less have a good chance of yielding a DNA barcode sequence for about 15 years after collection while spiders above this size can yield barcode sequences for a considerably longer time.

Pros: Fully charged, can run 40 miles on battery power alone; can travel more than 300 miles on a tank of gas; combined electric and extended - range use will provide an average of 230 mpg, Chevy claims; connected to a 240V outlet, the battery will charge in less than 3 hours; battery guaranteed for 10 years or 150,000 miles.