This means that those making a lump sum versus periodic payment decision may never have a higher lump sum option.

FORBES: What Is The Present Value Of Your Social Security Benefits?

The most obvious downside of owning versus leasing is the monthly payment, which is usually higher on a purchased car.

FORBES: New Wheels: Lease Or Buy?

Companies like Express Scripts, CVS Caremark and Medco Health Solutions, are hired by big employers to manage drug spending by forcing workers to pay a much higher co-payment for a generic version of the cholesterol drug Zocor, for example, versus Pfizer's still-patented Lipitor.

FORBES: Magazine Article