THE SCENARIO
It's nearly Halloween, and you know what that means: the Christmas buying season is already in full swing. Did that sound crotchety-old-man enough?
Anyway, every Christmas season, the 'December to Remember' and other similar car commercials are ubiquitous, and tout various deals and options for buying a new car, in an effort to get you to plop a big red bow on a new machine in the driveway, courtesy of Lexus or BMW or Chrysler or whatever.
When they present purchasing offers they are generally structured like this:
Buy at a 'reasonable, low' X percent financing for 5 years (or 3, or 7)
-or-
Get Y dollars cash back when you purchase with cash
If you're considering buying a car during the next couple of months (or, really, anytime, as these deals are available pretty much any time you want, even if they're not featured in...
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