Issue link: https://www.epageflip.net/i/768762
Forthosewhoaren't old enough to remem- ber, layaway is the way lots of peo- ple shopped back before credit card debt was fashionable — or shall I say, tolera- ble. With lay- away, instead of bringing all of your purchases home and the cost of them be- ing on your credit card bill for many years to come, you leave your selections at the store and make a down payment at the time of purchase. Then you make regular payments to the store, with no in- terest added. Once you've paid in full, you get your purchases out of layaway. The benefit is that you can shop early at your leisure, make multiple smaller payments and pick up items once they are paid in full. Years ago, layaway pro- grams were designed for people who could not get credit cards. As plastic be- came more available to the masses, layaway became unnecessary, and many programs disappeared. Since the economy has been going through an up- heaval, causing so many to flee from using credit, smart retailers like Sears have dusted off their lay- away programs in hopes of attracting customers like us who would enjoy that debt-free convenience. Plus, it helps the retailers shore up their bottom line. TOYS R US. This re- tailer not only offers lay- away for the hottest toys and game consoles of the season but it also holds items for you so curious children can't find them in your closets. A mini- mum deposit of 10 percent of the total cost of your purchase and a $5 service fee are due when items are put into layaway. Up- front fees are waived dur- ing a promotional free lay- away period. All payments can be made at any reg- ister or online 24 hours a day. Make your final pay- ment in the store, and take your items home right away. Or, if you make your final payment online, you will be notified of the ear- liest time you can pick up your items. WAL-MART. There's no setup fee, but there's a payment of $10 or 10 per- cent down (whichever's greater) and a $10 cancel- lation fee. Individual items must be $10 or greater, and your total purchase must be at least $50. Lay- away is available for elec- tronics, toys, infant toys, infant furniture, small appliances, large furni- ture, auto electronics, se- lect sporting goods and jewelry. You can't layaway wireless phones that re- quire contracts. But you can use coupons on lay- away items. SEARS. For an eight- week layaway contract, pay zero dollars down in store, 1 cent online, a $5 service fee and a $15 fee if you cancel. For a 12-week layaway, pay zero dollars down in store, a $10 ser- vice fee and a $25 fee if you cancel. The only items available for layaway on- line will be marked as such on the individual product page. KMART. For an eight- week layaway contract, ex- pect to pay a $10 down payment, $5 setup fee and a $10 cancellation fee. For a 12-week layaway con- tract, you'll have to pay $10 down, a $10 setup fee and a $20 cancellation fee. No down payment is re- quired when you start a new contract between 9/15 and 1 6, and only one penny is required down for online layaway. BURLINGTON COAT FACTORY. This retailer offers 60-day layaway for clothing and house- hold goods, and 90 days for Baby Depot items like baby furniture and stroll- ers. Buyers must stick to a payment schedule, deposit at least 20 percent and pay a $5 service fee. There is a $10 cancellation fee if the layaway purchase is can- celed and not completed. TJ MAXX AND MASHALLS. These re- tailers only offer layaway at certain locations, and there are quite a few rules and restrictions. Where it's available, you must make a 10 percent down payment on brand-name and de- signer items. Jewelry and clearance items cannot go on layaway. The payment term is 30 days. Because the program is only of- fered at certain locations, it's best to call ahead and inquire. Wouldyouliketosend a tip to Mary? You can email her at mary@ everydaycheapskate. com, or write to Everyday Cheapskate, 12340 Seal Beach Blvd., Ste. B-416, Seal Beach, CA 90740. EVERYDAYCHEAPSKATE 6 stores with the best layaway programs The public is invited to the 18th Annual Snow Goose Festival of the Pa- cific Flyway Jan. 25-29. This action-packed 5-day event celebrates the re- markable journey of mil- lions of waterfowl and rap- tors along the Pacific Fly- way that call the Northern Sacramento Valley their home during the winter months. The festival is located in an amazingly diverse area, with habitats that in- clude rivers and wetlands, sweeping plains and grass- lands, rolling foothills, shel- tered canyons and moun- tain peaks. Attendees can choose from more than 70 field trips and workshops that are sure to please a wide va- riety of interests and abil- ity levels. In addition to numer- ous bird-watching field trips for waterfowl, rap- tors and songbirds, you might choose to take a guided tour of a nature preserve, visit a local vineyard, or hike the sce- nic Sutter Buttes in search of lofty views and resident wildlife. Workshops offer some- thing for everyone. Learn about nature photogra- phy, bird carving, how to record nature sounds and how to identify those back- yard birds. Free nature activities are offered for youth, as well as armchair adventures for all. Guest and keynote speaker will be international bird guide and author Alvaro Jaramillo. For more information, visit www.snowgoosefesti- val.org, call Jennifer Pat- ten at 345-1865 or write to info@snowgoosefestival. org. BIRDS SnowGooseFestivaltakesflightinChicothismonth The nationally recog- nized Capital Fellows Pro- grams administered by the Center for California Stud- ies at California State Uni- versity, Sacramento, an- nounces the availabil- ity of applications for the California Senate Fellows, Executive Fellowship Pro- gram, Jesse M. Unruh As- sembly Fellowship Pro- gram and Judicial Ad- ministration Fellowship Program. These fellowships offer the opportunity to work for 10-11 months as a full- time paid staff member in the California State As- sembly, California State Senate, California Exec- utive Branch or the Cali- fornia Judiciary. Fellows participate in policy- making, program devel- opment and implementa- tion and gain first-hand experience in the gover- nance and leadership of California. 2,000 alumni have par- ticipated in the Capital Fellows Programs, and the ranks of former fellows in- clude judges; members of the United States Congress and the State Legislature; state and local govern- ment officials; corporate executives; community and non-profit leaders; and university professors, administration and staff. Prospective Capital Fel- lows must have a bach- elor's degree in any ma- jor by Sept. 1, 2017 and a demonstrated interest in state government and public service. Applicants may apply to one or more of the programs that meet their interests and quali- fications. Recent graduates, grad- uate, postgraduate and mid-career applicants are welcome to apply. Appli- cants with any party affil- iation are welcome to ap- ply, including Republicans, Democrats and people af- filiated with third parties or no party at all. For detailed informa- tion about the fellowships and applications, visit www.csus.edu/calst/pro- grams. The application dead- line for all four fellowships is Feb. 13, 2017. If you have questions regarding the Capital Fel- lows Programs, call the Center for California Stud- ies at (916) 278-6906 or write to calstudies@csus. edu. OPPORTUNITY Ca pi ta l Fe ll ow s Pr og ra ms accepting applications Mary Hunt Snowgeese Tours and workshops part of the celebration Established 1922 "YourProfessionalBusiness& Personal Insurance Firm" 44ChestnutAve.,RedBluff (530) 527-1313 • FAX (530) 527-1395 BLUNKALL & NAPIER InsuranceBrokers We're With You Trust our experience, financial strength and proven commitment to our policy holders for the quality coverage and the peace of mind you deserve. 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All prices plus government fees and taxes, any finance charge, any dealer document, preparation charge, and any emission charge. Subject to prior sales & credit approval. Some vehicle images in this ad are for illustration purposes only and may vary from actual vehicle. Ad expires 12/28/16. Offer not good to dealers. 545 Adobe Rd., Red Bluff 530-366-3166 WWW.REDBLUFFDODGE.COM VIN# 007048, 001026 $ 39,777 CHOOSE FROM "2" AT THIS PRICE 2016 TOYOTA TACOMA 4X4, 4 DOORS LIMITED, LEATHER, MOONROOF, LOADED, LOW MILES. HARD TO FIND & WE HAVE 2 OF THEM. CHOOSE FROM "4" AT THIS PRICE 2015 JEEP GRAND CHEROKEE LIMITED $ 28,777 WHOA! WHATA DEAL, NAVIGATION, PANORAMIC MOONROOF, LEATHER INTERIOR, POWER GROUP, LOW MILES. ALL UNDER FACTORY WARRANTY. PRIOR RENTALS. STK# 43623, 43624, 43631, 43637 VIN# 218082, 235475, 218096, 895032 SAVE$$$$ LIFESTYLES » redbluffdailynews.com Tuesday, January 3, 2017 » MORE ATFACEBOOK.COM/RBDAILYNEWS AND TWITTER.COM/REDBLUFFNEWS A6