NEW YORK, NY--(Marketwire - Jun 21, 2012) - In a Value Line article Retail Outlook for 2012, it states, "we believe consumers will continue to spend this year, but with caution. Bargain-hunting will likely be strong in the first half of the year, and especially during the summer months when gas prices are expected to be at their highest. The back half of the year will hopefully house a stronger retail environment and increased consumer confidence."

With the decline in consumer spending, and credit markets still tight, retailers will have to look for ways to entice customers to make purchases. Layaway forces shopping discipline. Says Ludwig Bstieler, associate professor of marketing at the University of New Hampshire's Whittemore School of Business and Economics: "There is a segment of consumers who have a hard time paying their bills. In times like these, that group grows larger, and layaway offers them a way to purchase something without going beyond their means." Layaway has recently been brought back and marketed recently by companies like Sears, TJ Maxx, Marshalls and Best Buy.

This week, Globalgroup Holdings (PINKSHEETS: [ GIHI ]) has announced their proprietary software, GlobalLOK™ will be marketed to help retail companies in asset recovery and improve collection ratios on deployed PCs and laptops.

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