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Old-fashioned layaway back in style
20.10.09
With only 65 days until Christmas, layaway is back, and if one national retail chain is correct, it will be a major force in this year’s holiday shopping in Fort Payne and DeKalb County.
Once a standard in department and specialty stores, layaway all but vanished with the rise of easy consumer credit.
Extended interest-free financing led to instant gratification for consumers, but in-store financing no longer is the sure bet it once was.
That means layaway is back on the retail scene. In a typical layaway transaction, a buyer selects an item and makes a down payment, usually around 20 percent of the purchase price.
The item is taken off the shelf and put in a special area. The consumer makes payments according to a contract and can pick up the item when the total is paid.
Generally, there is no finance or other charge associated with the purchase, but the deal must be completed within a specified period.
1. TO ENTER: To enter, go to http://www.managemyhome.com, follow the instructions on the screen and become a registered member of management of my home. The Manage my gift card Sears Home Contest ( "Contest") begins October 1, 2009 at 12:01 am Central Time and ending February 28, 2010 at 11:59 am Central Time ( "Entry Period" ). Limit one entry per person. Not responsible for lost, delayed, damaged, misdirected, illegible or incomplete, which are all zero. Entries become property of Sponsor and will not be returned 2.ELIGIBILITY: The contest is open only to legal residents of the United States who are 18 years or older at time of entry, excluding employees of Sears Holdings Management Corporation, its parent companies, subsidiaries, affiliates, related companies and advertising and promotion, family and / or household members of each of the above. 3. Plans: Plans will be made on or about 1 November 2009, December 1, 2009; January 1, 2010; February 1, 2010; March 1, 2010 (each a "Drawing Date").On or about each draw date, a potential winner will be chosen by random drawing from all eligible entries received during the month preceding the draw date. For example, on or about 1 November 2009, a potential winner will be chosen in a random drawing from all eligible entries received between 1 October 2009 and October 31, 2009. Drawings will be conducted by a representative Manage My Home, whose decisions are final on all matters relating to this contest. Potential winners need not be present at the time of writing, they will be contacted by email. 5.Prize Acceptance: Prizes are not transferable. No prize substitutions or cash redemptions allowed, except by Sponsor who may substitute a prize of equal or greater value if advertised prize becomes unavailable....
Sandra's Contests BlogEvery week, a new winner will receive a $1000 Sears gift card which the winners can use for electronics, household appliances, clothing, and more. and more »
Lands' End Wants to Know. . .What's on Your Horizon?Engage in fun activities for a chance to win a $100 Lands' End gift card together with a Medium Lands' End Canvas Tote. Five winners will be selected each and more »
place prize — a 52-inch LCD Sanyo TV and $500 gift card from Able Amo & Brookshire Bros.; or second place — a $500 gift card from Sears of Huntsville.
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