While that particular plotline actually has a pretty effective pay-off, the build-up is downright torturous, stretching both credulity and our sustaining interest to near-breaking thanks to poor pacing and logic problems.
From the clinical viewpoint, an effective antioxidant treatment could pay off for human tipplers: According to past studies, alcoholics--particularly elderly ones--in rehabilitation programs are more successful at kicking the habit if they have fewer cognitive impairments.
They also make specific recommendations about how you manage your money, like telling you if it's more cost effective to use your savings to pay off your student loans ahead of schedule.
In April 2000 Household offered to replace her $67,300 mortgage, a Chase Manhattan Bank loan at 8.5% interest, with a bigger but seemingly cheaper one: $86,300 at an "effective rate" of 7.6%, enough to pay off the old mortgage and a $12,200 personal loan she was paying off at 15.7%.
So the effective yield, reflecting both the interest paid and the expected capital gain (if the bonds pay off in three years, as Lewitt expects), is more like 8%.
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