Word: upfronts
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Dates: during 2000-2009
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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...
...consequence of these makeshift financial strategies, says Sharon Camp, president of the Guttmacher Institute, could be a further widening of the birth rate between wealthier women and the working poor. "Those who can afford better methods with a big upfront cost - like IUDs or vasectomies - may see pregnancy rates continue to fall," says Camp. "But among lower-income women, a third of them are saying that they can't afford the contraception they'd like to use. They're relying on less effective, over-the-counter methods. We could likely see an increase for them in unintended pregnancies...
...Cole Act provides $80,000 for each year of wrongful incarceration and adds free college tuition, plus financial and personal counseling. Unlike past lump-sum payments, the new compensation will be paid out in a mix of monthly payments, with an upfront lump sum and an annuity that can be passed on through a recipient's estate. The new law also sets up an investigative panel, the Tim Cole Advisory Panel on Wrongful Convictions. (Read about how the tide is shifting against the death penalty...