They waste a lot of money on defensive, low return projects instead of really making the full payout to shareholders.

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For each year they wait past 66, they get 8% more (plus an inflation adjustment), for a maximum benefit at 70 equal to 132% of the full retirement age payout.

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Here's why: For every year you delay taking full benefits, your eventual Social Security payout will go up by as much as 8%.

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HSBC's unusually detailed pay disclosures showed that in a scorecard measuring various aspects of his performance, he achieved full marks on rebuilding the bank's capital position, hitting dividend payout targets and pursuing stated strategic goals.

CNN: Confident HSBC lifts dividend 50%

For some borrowers, such as individuals with large deferred compensation arrangements or who are expecting a large inflow of cash in the near future (access to trust funds becomes available, a legal settlement has been resolved and payout is imminent, etc.) this arrangement allows them to access their full borrowing potential without committing to immediate payment.

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