My Layaway Program Explained

Over the last few months, my layaway program has become ever more popular because
 of its flexibility and the current realities of the brass model train market.

Over the last couple of years, the brass importers have greatly reduced their productive
quantities for almost every model.  It has gotten to the point where quite often only
10 of a particular model are being manufactured.

Interestingly, the quantities being produced seem to havebeen reduced more than the demand
for fine brass modelshas contracted. This means that almost every model is fully reserved
at the importer before the model even arrives in North America. As one example, you can see
this is the case by reviewing the Overland Models site at
www.overlandmodels.com

As a result of that, we are seeing most prices rise quite quickly from the initial deep discount
levels available at a few dealers and a number have sold on eBay and other places at prices
well above their MSRP.

So, my standard discount of 20% certainly starts one off well.
I am often told that my prices are the best in the market.

Where financing is helpful, my layaway program has no peers. That is because each program is
tailored to each individual  collector and his personal circumstances.

Specifically, after an initial 10% down payment, you can send in any amount any time you want
and as often as you choose.

PayPal makes this extremely easy and provides a readily-accessible permanent record of all payments.

On the last day of each month following the purchase or release month, I will charge your account 1%
on the open balance.

So, as an example, let's consider an MSRP $950 locomotive that you purchase or that is released by the
importer on June 15.

First, the price is reduced 20% to $760 because of my standard discount.
Then, the 10% down payment [or more if you wish] reduces the open balance to $684.

If you sent nothing else before July 31st, I would charge your account $6.84.
This is the only amount that I would expect you to pay sometime in August.

However, most people send in more each month which reduces their open balance and future interest charges.

When you consider that even 6 months interest amounts to slightly more than $40, the benefit of my layaway
program becomes very apparent.

Apart from my price likely being the best available in the market, the  likelihood of a model being sold out at the
importer and many of the reserving dealers by then is quite high.

Add in the difficulty of finding "deep discount" models at that time and the ever-present possibility that one can't find
a model or that its price has substantially increased and my layaway program really begins to be worthwhile.

Lastly, since you don't have to pay some certain amount in any given month [other than the nominal interest charge] there
is NO pressure on you or your household budget if an unexpected living expense crops up. This truly allows one to commit
to the models that they really want when they are available and when they are quite likely at their very best price.