Word: up-front
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...expect him to tell us and the police more about his private life than he should have to, "certainly more than Joe Schmo would probably have to offer under similar circumstances." That may be so, but if investigators do eventually find evidence that Woods hasn't been as up-front as he should have been - that he might have been under the influence of painkillers after last year's knee surgery, or that he and his Swedish model wife (who told police she smashed the SUV's rear window with a golf club to help extract her injured husband) were...
...stagnates in a domestic market where more diners are eating in and a tight lending environment is making it difficult to open new locations. The company's partners in Mexico and the Middle East are financing the cost of the new restaurants, though P.F. Chang's will earn up-front territory fees and royalties from sales...
...relatively low co-pays for doctor visits and generic and name-brand prescription drugs and preset and relatively affordable out-of-pocket costs for expenses like hospitalizations. Leaner plans, on the other hand, often charge consumers a percentage of total costs, known as "co-insurance," and also have high up-front deductibles. (Read "Obama's Health Push: Too Few Details, Too Many Questions...
...your age and the value of your home. (Use the calculator at rmaarp.com for an estimate.) There are no credit or income requirements to get a reverse mortgage, but you must be able to keep up with property taxes and insurance bills--or you could lose your home. The up-front costs are high. Generally, $10,000 to $15,000 in fees are lopped off the amount you can borrow. Finally, if someone is pressuring you to take one of these loans in order to buy something else, that's a huge red flag. Walk away...
Still, human behavior isn't that easy to change. Reilly and Herrgesell point out that reducing your carbon footprint will also cut your utility costs, but that will likely require an up-front payment - in the form of investment in more energy-efficient utilities - and those remain a hard sell to American consumers. Even if you succeed in reducing your personal carbon emissions drastically, you'll likely produce only a few tons' worth of carbon credits - and with carbon credits worth around $7 a ton on the voluntary market, you won't exactly be able to retire on the payoff...