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The couple smartly avoided interest from the start by joining a Brazilian-style buying club, a peculiarly Brazilian solution.
If it had not had to borrow money at the end of the year, New York would have avoided interest charges of 6.3percentt on its $231 million of earlier loans, the principal of which has been repaid.
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The employer pays nothing and the employee avoids interest payments and late fees.
The letter invited Roger to send the money in right away to avoid interest and penalties.
The amnesty program lets taxpayers who pay before Nov. 17 avoid interest and penalties, which double after the deadline.
The loans will be available for the last eight days of each month, and must be repaid by 11.59pm on the eighth day to avoid interest charges.
"But it requires a different mindset, because we have to avoid interest," says Aftab Siddiqui of iHilal (UK), a venture capital organisation pioneering Muslim-friendly investments.
Now is the time to apply for a 0percentnt credit card to avoid interest payments over the festive period: Barclaycard Breathe has 12 months at 0percentnt, while both M&S and Halifax offer 10 months free of interest.
There are obvious uses to which this can be put: paying off student loans early, thus avoiding interest, investing in buy-to-let property, or high-return financial products.
Avoiding interest charges is also key.
We informed candidates that the survey topic was general health rather than headache and sleep to avoid interest bias.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com