With the countdown to Christmas well underway, the whole retail industry is in full swing to fill up this joyful festive season with a shopping atmosphere. 50-month installment to own a luxury watch I was reading the newspaper early last week when I came across a half-page advertisement about a 50-month 0% interest installment plan to buy luxury timepieces. It is a joint promotion between a luxury watch retailer and the credit card of a local bank, for the celebration of Singapore’s Golden Jubilee next year. (What has the 50th year occasion got to do with buying a branded watch?) Two days later, another luxury watch retailer came up with two full-page advertisements marketing their 40-month interest-free payment to own a branded watch. It ties up with another local bank and a luxury timepiece manufacturer. One of the full-page ads is similar to a car advertisement. It displays the ......