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<p>[QUOTE=&quot;Neal, post: 24844532, member: 43872&quot;]This same principle applies to stores who offer &quot;no interest for a year&quot; deals.&nbsp; They just include the interest up front in the price, so you are even paying it if you pay off the debt early.&nbsp; I am a retired economics teacher, and one day I was explaining it in class and using some local furniture store &quot;sales&quot; as an example.&nbsp; I told the class that if you asked about a cash-up-front price you could probably get 10% off.&nbsp; One of my students, whose dad ran one of those stores, said, &quot;Our standard cash discount is 20%!&quot;&nbsp; The foundational principle in economics is TINSTAAFL.&nbsp; (&quot;There is no such thing as a free lunch.&quot;)&nbsp; Whether it is a gallon of gas at a station or a &quot;free&quot; government check in the mail, somebody has to pay for it some way.[/QUOTE]</p><p><br /></p>

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