Online layaway programs made the evening news.
Google Search: http://tinyurl.com/698m6q
There's a link there that says this is a good way to save money & avoid debt. I think they have a little way to go... they could have accounts that just accept payments & when you reach a figure the get you what you want... like through buy.com or something... so the place offering the "layaway" would make money via earning interest off your money. Of course LOGIC says one should just put the $$ into your OWN account somewhere, but sadly us humans tend to lack in the logic area.
Jeff
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