Markets are already moving that way. Between 2003 and 2006, noncash payments in the us increased 4.6 percent annually, while the percentage of payments made using checks dropped 13.2 percent.

市场跟原来的老模式相比已经发生了很大变化，2003 - 2006年间，美国非现金支付比率每年增加4.6%，而使用支票支付的比率下降了13.2%。

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Between 2003 and 2006, noncash payments in the US increased 4.6 percent annually, while the percentage of payments made using checks dropped 13.2 percent.

2003到2006期间，美国非纸币支付的年度增长率为4.6%，而支票支付则下降了13.2%。

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Payments on such licenses are made annually and are expensed as incurred.

此类执照费用须每年支付并于发生时费用化。

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And by continuing to work and delaying receipt of Social Security benefits, you are positioning yourself to have potentially higher payments adjusted annually for inflation for the rest of your life.

FORBES: Delaying Retirement, But Not Your Retirement Dreams

Instead you can receive distributions from your IRA that are part of a series of substantially equal periodic payments (not less frequently than annually) based on your life expectancy or the joint life expectancies of you and your beneficiary without having to pay the 10 percent penalty.

FORBES: How To Take Money From Your IRA Early--Without A Penalty

According to the Centers for Disease Control and Prevention (CDCP) report, depression results in 200 million lost workdays in the U.S. annually, and consequently, employers could lose USD17-44 billion in productivity and insurance payments.

FORBES: Is your employee suffering? Telltale signs of depression in the workplace