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MORE SHOPPERS are using layaway to make purchases, ac- cording to a survey conducted by Sears Holdings. Of con- sumers surveyed, 73 percent said that, “They believe using layaway more often is a smart fi nancial solution that can help them better manage their spend- ing.” Susan Ehrlich, president of fi nancial services at Sears Holdings, was more specifi c. “Kmart’s layaway program has experienced double digit growth since 2008,” she says. “Shoppers are seeking value in everyday
Over 600 Products & New Arrivals Monthly!
We carry a wide selection of Polyresin figurines such as Dragons,Wizards, Angels, Wildlife, and Southwestern items. Our inventory contains other popular items such as dolls, lawn and garden as well as seasonal items.
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purchases, and layaway creates the fi nancial discipline that al- lows them to make a payment over a fi nite period of time. It gives shoppers a sense of accom- plishment after completing their purchase plan.” The mechanics are similar
for all of them, though fees can vary by merchant. The consumer puts a deposit on merchandise, which the retailer either holds in storage or promises to ship from a distribution center at a future date. Typically there is a nonrefundable transaction fee of around $5. The customer then must make weekly or monthly payments for the layaway pe- riod, which can be as little as 30 days or as long as a year. Usu- ally, there is no interest on the balance, which can make lay- away a less costly choice than using a credit card. Toys R Us has also started a
We warehouse our own merchandise no middlemen! BL Gifts Imports ~ 814-632-3137
Email
info@blgiftsonline.com 10 August 2010 Visit LOW MINIMUM ORDER
buy by the piece or save by the case
new layaway program. In a twist, the program lets the customer put aside money without decid- ing what to buy. The shopper can pick out merchandise later on, as the holidays get closer. But it is not just big box retail- ers who see the advantages of layaway.
Layaway-Travel.com is an online travel agent that lets customers afford their vacations in installments. Also on the In- ternet, website,
eLayaway.com, helps online shoppers save up
continued on page 14 Online at INDEPENDENTRETAILER.COM
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