Of course they are not free. They are paid for by the nearly 30% interest rate and transaction fees from the retailers. The whole idea is to suck in the users to run up balances and make minimum payments - a sure formula to lead folks into bankruptcy. They can afford to offer those sucker baits like "cash back" for using the card. Next thing you know, folks are paying off a $100 purchase for 10 years at $5 a month with the interest rolling up like the national debt. The fees that they get from merchants is just so much more ice cream for them.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
... [Read Article]
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