http://money.msn.com/business-news/arti ... =ansmony11
Although the $15 fee doesn't sound too good, but it is refundable when, and if, you finish paying for the layaway.
So, it might seem a little early...but NOW might be a good time to start fixing up those Christmas wish lists to Santa.
![Wink :wink:](http://cdn.vgws.com/common/images/smilies//icon_wink.gif)