Word: upfronts
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...apparent wellsprings of beer—and the absence of nasty bedbugs and noisy traffic—this vid claims that C-Haus has it all. (Although there is a frame depicting a student racing to catch the shuttle in his underwear….at least they're being upfront about...
...commitment contracts and publicly announcing a goal helps people stick to it. (The extra K in stickK is shorthand in legal writing for "contract.") Users are not required to wager any money when they sign up, but the serious ones do. Some 30% fork over their credit card information upfront and specify how much money should be automatically charged if they fail to reach their goal. These users also designate a recipient: a person, a charity or, as an additional incentive, an "anti-charity," i.e., an organization on either side of several highly controversial issues. (Think pro-life...
Also refreshing is his candid, and often feisty, attitude. Capuano is not a typical politician; he is often willing to embrace controversy rather than resort to the tired political trick of sidestepping it. He is also wont to be upfront about issues and his stances on them. When his votes may be unpopular, he explains them, trying to engage rather than fool those who would disagree. Finally, he has also displayed a hot streak that often results in him becoming more animated than the average politician. Rather than seeing this as a disadvantage, we recognize that this invigorating style...
...require banks to prepay three years of quarterly fees. The FDIC expects to quickly generate $45 billion in cash, an amount it normally would've had to wait years to get its hands on. But in a quirk of accounting rules, the banks won't have to expense the upfront payments this year, even though they will be handing over the cash in the next few months - in amounts that could run into the billions of dollars for some banks. The FDIC says the move will solve its liquidity problems - the FDIC officially slid into the red this week...
...case of big banks like Bank of America or Citigroup, the upfront payments could run to a few billions. But the FDIC and analysts say banks will be more than able to cover it. Cash flow is not their problem. Capital is. And because the prepayments won't hit earnings, at least not initially, those capital ratios we have been worried about to show if banks are solvent won't change. Banks, all too familiar with accounting tricks, seem overjoyed by the FDIC's solution...