(1) Many businesses are honest, ethical, and honorable. (2) However, some businesses use ploys, or tricks, to attract their patrons.( 3) For example, one local furniture store uses the tactic of no down payment, no interest for two years. ( 4) Another trick used by other businesses includes the offer of free items such as a satellite dish or home security system. (5) While it may look good initially to the consumer, he or she must consider the required monthly and yearly fees, which can compute to exorbitant prices. (6) A third ploy is the attractive display ad with nearly indiscernible fine print. (7) Savvy shoppers learn to scrutinize the content of sale flyers for hidden penalties and misleading or omitted details.