The Roanoke times. [volume] (Roanoke, Va.) 1890-1895, 1891-01-06
THE INSTALLbIENT PLAN.
An Aid to tho MatrimoAially In
ollned.
How tho Modern Crodlt kys.om Ve.
cilitates tho Esssblisha,ent of
Household Small
NanRs.

Y, u.l
dependent solely on an income
OF two thousand dollars or SO,
finds it much easier to provide his
bride with a comfortable home than
did the young mon who were called upon
to do the same thing twonty and thirty
years ago. In those days, says the Now
York Sun, it was practically impossible
for the young man who hadn't any cap
itsl to fall back upon to buy and fur
nish house unless no could find man
of wealth 80 SO sponsor for him. He
had to pay cash for overy thing he got
or SO without. Now almost overy thing
can be bought upon tho installmens plan
and with practically no security. The
result is that tho young married couple
oan start housekeeping fully equipped.
A moderate weekly or monthly pay
mont, which doesn't make largo hole
in the Benedict's salary, is suflloient al
the end OF a couple OF years to mako him
the absolute owner Of his house and it's
belongings. Twenty years ago it was
thought almost disgrace to havo
mortgage on ones house, but it is quito
common thing now. Lots can now DO
bought on payment OF monthly sums as
low as five dollars, and tho young hus-
band will find many rcal-cstate concerns
who will build house for him in tho
ncighborhood of New York, tho pay
mcnts on which won't be any larger than
the rcnt which lie would DO Obliged TO
pay for house or fat in town. Then
ho won't hayo any trouble in got
ting furniture on credit for his house or
for his tlat if 10 has decided to begin
housekeeping in an apartment. 1hcro
arc plenty of furniture houses. the ma
jority of whose business is done on tho
installmcnt plan, and he will find il tho
easiest matter in tho world to get 4 few
hundred dollars worth OF furniture il no
will agrco to pay up within q year. Tho
young man can obtain his tableware
and crocllery in tho same convenient
way for tho competition in tho trado
has driven houses to hold out these in
ducemcnts to their customers. Tho
young couples library can be we'll
stocked too, on the instAllmens plan,
with sots OF the beat authors works, il
they only know whore TO 60. Watches
and jowolry can DO obtained on weekly
or monthly payments. a prAesioe which
has boon in vogue for several years
la faot. thors 10 no end 70 the articles
which can BIO bought on the installmsns
plan, provided they are OF durable na-
mre. Thsy remain the property OF the
seller. who holdo mortgage until she
last Payment Ia made.
The asoenpt 10 spply the installrens
plan 70 tAe sals Of oloshing hssn's boon
a brilliant sucoeos. because vearina ap-
parel is APT 10 DO worn oat BIO fore ths
ti,uo for tina Anal payEent ooWes.
"Our business now" said large turni-
ture dealer on Park row bhc other day,
lis alraoss ntirely on tho installment
basis now. Twen1 years ago every
thing We sold WIS practically for oaah.
but now the house which doean't sell OIL
credit oan't ssay In sho buoiness very
long Young msrried folks are among
our bess customers, and oyorJ day we
arc helping 60 start a ncwlJ-wedded pair
in housekeeping. ID is the greatest
boon 30 tho young man OF to-day that,
withou. any outlay. he Is able to DO
master OF his own house instead OF TAX
ing his chances in a boarding-ho 1t
would surprise you to ace tho mum Der OF
persons in all walks Of lifo who utilize
tho installment system. Even men Of
modorNte means prefer to buy very often
on credit, and uso their roady money in
their business. or course, in this bust
ness wo havo to DO pretty good judges Of
human nature, but thero are rarely worry
fow whom we refuse. Risk necessarily
accompanies tho installmcnt system,
but whero the yolumo OF business is
largo o house can afford TO carry &C
counts for Z long time. Sometimes
person falls behind in his payments,
but ii he has 4 good excuse TO giyo US.
rs sickness in his family, for instance.
wo always allow him moro limo In
fact thcro is practically no limit got.
AS long "a man shows an inclination
TO pay lis wo do not press him, and some
accounts run indefinitely.
Sometimes wo look up man or
woman who colrS in TO buy on credit,
but as a ruo we can roly on tho judg-
incntof oar sAlosmcn. who arc pretty OK
port in SIZING up tho prospective custom
crs. Some OF our most interesting call
e:s are tho young brides that arc to be,
who often come braVcly in alone TO So
lect tho furniture for tho household
They usually get along very we'll until
it comes to giving their names. Then
they hesitate, stammcr and blush, be-
cause they don't know whether TO give
their maiGcn name or that of their pros
pectiyo husband. IL usually ends with
tho yoGng lady coniiding TO the sales
man complete explanation OF the inn
rortant event, with the time that tho
wedding is TO come OF, who tho BRIDE
maids arc TO be, and where Che wedding
is to take place"
For VYood-Workrrs.
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