layaway

简明释义

英[ˈleɪəweɪ]美[ˈleɪəweɪ]

n. 预付订金购货法（余额结清后取货）；（登山）攀登时向一侧倾斜以达到最佳效果的（攀岩抓手）

英英释义

单词用法

同义词

反义词

例句

1.Stores didn't want to turn away lower-income customers, though - hence layaway. It allowed them to impulse shop and take advantage of sales, but it also protected the store's capital.

大商场又不想把低收入的顾客推出门去，因此采用了预约购物办法，允许他们利用商场推销即时购物，但是也保护了商场的流动资金。

2.But layaway fell out of favor during the last decade as lower-income Americans gained access to credit.

但是十年前随着低收入美国人也得到了信用准许，预约购物开始失宠。

3.And if shoppers couldn't pay the layaway, the store could resell the goods.

如果购物者不能够按预约付款，商场可以把预约商品重新卖出去。

4.Sears has just started its own layaway programme, though Wal-Mart (the world's largest company in terms of revenue) has said it has no plans to resume it.

西尔斯(Sears)也刚刚开始了分期预付购物计划，尽管沃尔玛（营业收入额最大的公司）表示没有重新启用的打算。

5.She buys her Xmas presents on layaway.

她用预约购货法购买圣诞礼物。

6.With rates like that, why would anyone participate in layaway?

这么高的利率，为什么还有人要参与预约购物？

7.Stores didn't want to turn away lower-income customers, though - hence layaway. It allowed them to impulse shop and take advantage of sales, but it also protected the store's capital.

大商场又不想把低收入的顾客推出门去，因此采用了预约购物办法，允许他们利用商场推销即时购物，但是也保护了商场的流动资金。

8.But if layaway is back, can Christmas clubs and green stamps be far behind?

但是如果分期预付回来了， “无息存款”和“绿色邮票”还会远吗?。

9.If you haven't enough money to buy the piano, you can use the layaway plan.

如果你的钱不够买这架钢琴，那你可以零会后取。

10.Many stores offer a layaway plan during the holiday season.

许多商店在假日季节提供分期付款计划。

11.She was able to buy her dream wedding dress through layaway payments.

她通过分期付款买到了梦想中的婚纱。

12.I decided to put the new television on layaway to make it more affordable.

我决定把新电视放在分期付款中，以便更容易负担。

13.I chose layaway instead of credit because I didn't want to incur debt.

我选择了分期付款而不是信用卡，因为我不想负债。

14.The toy store allows customers to place items on layaway for Christmas gifts.

玩具店允许顾客将商品放在分期付款中作为圣诞礼物。

作文

In today's consumer-driven society, many individuals find themselves grappling with the challenge of managing their finances while still wanting to enjoy the latest products. One solution that has gained popularity in recent years is the concept of layaway, a method that allows consumers to reserve items by making a series of payments over time. This essay will explore the benefits and drawbacks of layaway as a financial strategy, as well as its impact on consumer behavior.The primary advantage of layaway is that it enables consumers to purchase items without incurring debt. Unlike credit cards, which can lead to high-interest payments and financial strain, layaway allows shoppers to pay for products in manageable increments. For instance, if someone wishes to buy a new television for $600, they might choose to place it on layaway and make monthly payments of $100 over six months. This approach not only makes the purchase more affordable but also helps individuals avoid the pitfalls of impulse buying, as they must commit to a payment plan before receiving the item.Another significant benefit of layaway is that it encourages saving. By setting aside funds specifically for a desired item, consumers are more likely to develop healthy financial habits. This practice can be especially beneficial during the holiday season when people often overspend on gifts. Utilizing layaway allows individuals to budget effectively, ensuring they can afford presents for their loved ones without breaking the bank.However, there are some drawbacks to consider when it comes to layaway. One notable disadvantage is the potential for fees. Some retailers charge a service fee for using their layaway program, which can add to the overall cost of the item. Additionally, if a consumer fails to complete their payments within the specified timeframe, they may lose both the item and any money already paid. This risk can create anxiety and pressure, particularly if unforeseen circumstances arise, such as job loss or unexpected expenses.Moreover, the availability of layaway programs can vary significantly between retailers. While some stores offer robust layaway options, others may have restrictive policies or high minimum purchase requirements. This inconsistency can frustrate consumers who wish to use this payment method, as they may find that their preferred store does not offer layaway at all.In conclusion, layaway serves as a valuable financial tool for many consumers, allowing them to make purchases without incurring debt and fostering better saving habits. However, it is essential for shoppers to weigh the pros and cons before committing to a layaway plan. Understanding the terms and conditions, including any fees and deadlines, is crucial to ensuring a positive experience. As we continue to navigate the complexities of modern consumerism, layaway remains a relevant option for those seeking to manage their finances responsibly while still enjoying the benefits of shopping.

在当今以消费为驱动的社会中，许多人发现自己面临着管理财务与享受最新产品之间的挑战。近年来，一种逐渐受到欢迎的解决方案是layaway的概念，这是一种允许消费者通过分期付款来预留商品的方法。本文将探讨layaway作为一种财务策略的优缺点，以及它对消费者行为的影响。layaway的主要优势在于，它使消费者能够在不产生债务的情况下购买商品。与可能导致高额利息支付和财务压力的信用卡不同，layaway允许购物者以可管理的增量支付产品。例如，如果某人希望购买一台价值600美元的新电视，他们可能选择将其放在layaway上，并在六个月内每月支付100美元。这种方法不仅使购买变得更加实惠，还帮助个人避免冲动消费的陷阱，因为他们必须在收到商品之前承诺一个付款计划。另一个显著的好处是，layaway鼓励储蓄。通过专门为所需商品预留资金，消费者更有可能养成健康的财务习惯。这种做法在假日季节尤为有益，因为人们往往会在礼物上过度消费。利用layaway允许个人有效地制定预算，确保他们能够负担得起给亲人的礼物，而不会破产。然而，在使用layaway时也有一些缺点需要考虑。一个显著的缺点是可能会产生费用。一些零售商会对使用他们的layaway计划收取服务费，这可能会增加商品的总体成本。此外，如果消费者未能在规定的时间内完成付款，他们可能会失去商品和已经支付的任何款项。这种风险可能会造成焦虑和压力，特别是在出现意外情况时，例如失业或意外支出。此外，layaway程序的可用性在零售商之间可能差异很大。虽然一些商店提供强大的layaway选项，但其他商店可能有严格的政策或较高的最低购买要求。这种不一致可能会让希望使用这种付款方式的消费者感到沮丧，因为他们可能发现自己喜欢的商店根本不提供layaway。总之，layaway作为一种有价值的财务工具，为许多消费者提供了在不产生债务的情况下进行购买的机会，并促进了更好的储蓄习惯。然而，购物者在承诺layaway计划之前权衡利弊是至关重要的。了解条款和条件，包括任何费用和截止日期，对于确保积极的体验至关重要。在我们继续应对现代消费主义的复杂性时，layaway仍然是那些寻求负责任地管理财务同时享受购物乐趣的人的相关选择。