Category Archives: Trading

The “Magic” of Layaway… How I have nice things.

layawaySo over the years I have accumulated a few items that have very high value.  Many people have assumed I must have a high debt load because of it.  It’s actually the furthest thing from the truth.  Other than my house, car, and about $500 in miscellaneous credit card debt, I own everything I have.

So how does layaway work?  You find a place that offers it.  I’ll use a local gun store as an example because it’s my hobby and most common interest.  Let’s say they have a $700 Ruger SR1911 I want.  I don’t have $700 available cash at hand most of the time.  But if I have 1/3 of it, or about $235, the shop will allow me to place a deposit and then pay on it as I have the funds available over the next 90 days.  This allows me to budget for making the rest of the payments, and to have a great item without having to either go into debt or have all the money right then right there.

Most places offer 90 days, some will go out to six months or even a year, especially for high-dollar items.  Just remember to read the terms of the agreement, that you’re entitled to a refund if you can’t, for some reason, pay it off in time, and that you’re dealing with a reputable shop.

Enjoy your new item, that you own, outright.

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Took a nice little Star BM 9mm in on trade…

starbm9

Did a little trading with a friend the other day.  I traded him a Charter Arms Off-Duty for this Star BM 9mm.  The Star needed a good cleaning, which is in process.  These little Stars are built rock-solid and actually are desirable because they shoot VERY well.  It’s a numbers matching import and upon receipt was in… 60-70% condition.  A good cleaning should push it to a solid 80%.  It has some finish and holster wear, but functionally is flawless.  I’ve actually shot this pistol before.  An old friend in Columbus also had a magazine for this, which is almost the Holy Grail of magazines right now, so I bought it and it’s being shipped up.  I think I’m going to have the wife do her deep spit and polish and I’ll post some photos when it’s done.  Nice little trade!