When we were driving home from a lunch date this afternoon my honey asked me what I want for Christmas. “I do not know yet. ‘Not sure” I answered. Later today I just figured out that there is one electronic gadget I have in mind. I want a camcorder. Video taking is a skill I want to learn. So I was mesmerized to see JVC Mini DV Camcorder at Kmart Lay-Away. It has a vertical Sliding LCD Monitor plus a 30x Optical Zoom/800x Digital Zoom. The vertical sliding LCD can be freely positioned over a wide vertical range so the viewing from many different angles are convenient. This is best for capturing precious moments during the holidays. Also camcorders are handy gadgets to bring on a vacation.
Currently, Kmart is the only store that offers layaway program. The term layaway means it is a type of agreement made between the customer and retailer in which the former reserves and pays a deposit for an item to be held until it is paid in full. Then the latter will set a payment period in a convenient manner. If the customer fails to pay on time, the item is returned in stock with a fee but the customer’s money is refunded. The idea seems interesting since using credit cards to pay for the holiday purchase is not a good deal to me. Just thinking about the interest rates make me want to faint. At Kmart, the layaway contract is eight (8) weeks. Customers will just pay $5.00 service fee for all new layaway contracts. Then the payment for the balance is in twice-weekly schedule. For those who are interested, here is how to pay Kmart Lay-Away the easiest way:
1. Select your items. Choose from wide selections of products you want to buy.
Note: Remember to check the products or items that are not included in the layaway program.
2. Bring the selected item to the layaway counter and make a down payment.
3. Pay the remaining balance on time every two weeks at your Kmart store. Do not miss any payment.
4. Take home the items once the payments are completed. That easy right?
I have tried this kind of program before and I find it practical not only on the holidays but all year round. Maybe I will get a camcorder this time.