Word: layaway
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...West Indian background, wanting a career in a creative field is almost like a death wish. But I was compelled. Once music got me, it got me good. I used to work at this movie theater in New York, and I would save my pennies and would do layaway plans on keyboards and musical gadgets. They were astronomically expensive for someone who was, like, 17 years...
...that they wish they had seen some of our merchandise earlier," says Natalie Norris-Howser, a Sears spokeswoman. "People are buying earlier today. Also, customers have grown accustomed to the Christmas-in-July terminology, so we wanted to leverage that." Norris-Howser also pointed to the company's generous layaway offers for bigger-ticket items as an incentive for shoppers to do their holiday buying today...
...Retail and Services: Nationwide, retailers experienced flat or declining sales, even as stores introduced bargains and layaway programs for people unwilling or unable to buy on credit. A large chain near New York credited the region's unseasonably cold weather for relatively decent sales of outdoor and winter apparel in November, while the only retailer to report an increase in sales in the Fourth District, which includes Ohio and Kentucky, was a national discount chain. A domestic car dealer in West Virginia told the Fed his average sales have gone from 250 cars per month to just six in November...
...Layaway programs--plans with roots in the Great Depression--are back at Sears, Kmart and TJ Maxx. Merchandise stays at the store as people pay it off little by little, interest-free. No credit card required. Tired of dry-cleaning bills? Ann Taylor Loft promotes the fact that most of its clothes are now washable. And if you suffer buyer's remorse, more than half of retailers say their holiday return policies will be more lenient than usual, up from 35% who said so last year, according to NRF's return-fraud survey...
...itching to take a vacation but feeling temporarily light in the wallet? A few airlines now allow you to purchase tickets on layaway. If you sign up for the American Airlines credit card, you can buy any ticket worth at least $199 and defer payment for 90 days with no interest. Continental and America West let you do away with a credit card entirely if you use a feature called Bill Me Later on their websites. You have to fill out a credit application, but if you qualify, you won't have to pay until the bill arrives. Continental will...