The Real Pawn Stars of Orange County

The words ‘pawn shop’ immediately puts a certain image in most of our minds. A surly character sits behind the counter inside a building of iron bars and steel doors making underground and underhanded deals with equally surly down on their luck customers. We’ve all seen this portrayed in countless movies and television shows throughout the years, and more recently in reality shows like Pawn Stars.

While these images may be embellished and exaggerated for dramatic effect, they are based on truth. The traditional pawn shop carries everything from guns to remote control cars and power tools in a very seedy atmosphere. And, just like on the big screen, there are usually bars on the windows and questionable characters on both sides of the counter adding to the stereotype. Unfortunately, with the current difficult economic times, many people find themselves in need of the kind of services a pawn shop offers. Selling, trading and getting loans on watches, jewelry, diamonds and gold has become big business, and until recently a traditional pawn shop was the only place to turn.

Thankfully, a new breed of jewelry and loan business has emerged to shatter this age-old image, and offer customers in need a safe and comfortable place to go. These businesses carefully follow the numerous laws, which strictly govern this highly regulated industry. They work with local law enforcement, not against them. Jewelry-N-Loan in Costa Mesa, CA is one such business, which has established itself as a top standout in this highly competitive field.

Jewelry-N-Loan is a family owned and operated business. They specialize in buying, selling, trading and making loans on fine watches, diamonds, jewelry and precious metals like gold and silver. The atmosphere at the shop is professional, friendly and extremely knowledgeable. Their shop in Costa Mesa, the heart of Orange County, California, is extremely welcoming. Upon first step into the store and viewing the beautiful showcases filled with high-end items, it is clear they have created something different and special.

Jewelry-N-Loan breaks away from others in the industry first and foremost by only dealing in high-end watches, diamonds, jewelry and precious metals. You won’t find any guns, power tools or toys in their showroom. This ensures that the level of expertise and customer service in dealing with their customers is second to none.

Which brings us to the second and most important way Jewelry-N-Loan differs from the traditional pawn shop; the way they treat their customers. The owners, Jack Schechter and his son Mark, understand that some of their clients may have fallen on hard times and need to sell or borrow against their personal and prized possessions as a last resort; and they don’t take that for granted. Conversely, they realize that buyers in the current economy are hard to find, and so they truly appreciate anyone who is considering making a purchase. Jack and Mark truly go out of their way to help everyone who walks in their door buy or sell. They take the time to carefully evaluate the specific needs of each customer and recommend an appropriate solution to benefit all parties. You won’t find a more “even-handed” and honest approach when buying, selling and borrowing on precious watches, diamonds and jewelry.

Beyond the professional atmosphere and top-notch customer service, one of the cooler things about Jewelry-N-Loan is the building it’s housed in. It’s difficult to miss their vintage storefront just off the end of the 55 Freeway on Newport Boulevard in the old town stretch of Costa Mesa. The charming building was originally an ice cream parlor in the 1950’s and over the years has transformed from a locksmith, pottery studio, and formal wear showroom to finally the vintage high-end pawn shop that is Jewelry-N-Loan.

To preserve the historic value of their little building, Jack and Mark worked with local designer Joe Gerard of Gerard Signs to create a journey back in time. Gerard Signs hand painted the bright, period specific signage on and around the building to provide a vintage look and feel to the storefront. Once inside this historic shop, customers are treated to an inviting combination of high-end showcases filled with modern watches and jewelry, along with art and timepieces dating back almost a century. It’s quite an experience.

Although Jack and Mark haven’t always been in the jewelry and loan business, they have been connoisseurs and collectors of fine watches and jewelry all of their lives. Mark grew up watching his dad give his mom fine pieces for gifts year round. Once Mark was old enough to afford his own precious items, he found he had inherited his dad’s passion for them. Jack and Mark garnered their business acumen and customer service expertise from their previous careers to create the model for Jewelry-N-Loan. Jack spent over 43 years in the automobile business and Mark spent over 20 years in corporate sales and management.

Retiring in 2004, Jack decided to turn his life long hobby into a small business he could “tinker” with. Meanwhile Mark was busy putting his private education to work climbing the corporate ladder as an executive with a local finance company. The problem was that Jack was working too hard for someone who was supposed to be slowing down and Mark was traveling too much for the father of three young children. One brief conversation in 2008 about their dilemmas quickly turned into the small business partnership they now enjoy. Jack gets to buy, sell, trade and loan on precious items while playing plenty of golf. Mark gets to put his professional experience to work building their promising business while making most of the kids’ soccer games.

Jack and Mark have truly created something special and their passion for fine things, a good win/win deal, and excellent customer service shines through in everything they do at Jewelry-N-Loan.

Anyone in Southern California in need of buying, selling or getting a loan on their high-end jewelry, diamonds, watches or precious gold and silver can’t go wrong by calling Jewelry-N-Loan at (949) 645-0488. Their customer service and professional knowledge is unmatched in the industry.

Caveat Loans are a Boon for every Business Owner in need of Quick Cash

Specialised lenders/credit providers can solve the cash flow problem of business owners with the help of a caveat loan (sometimes referred to as a short-term 2nd mortgage). The loan is ideal for business owners because:

>> Bank style credit approvals are not required

>> Tax returns are not required

>> No credit checks are undertaken on your credit history as bad credit history is not relevant

Interestingly, a caveat loan is not only right for a business owner but it can also be beneficial to a property developer or an investor.

Caveat Loans – Definition

They are fast settling loans, which are structured for a short-term of usually between 1 to 12 months, with a possible rollover (if required).

In contrast to conventional forms of finance, caveat loans need to be established quickly (i.e. within 24 hours from the time the application is first lodged).

How does a Caveat Loan work?

These loans are simply an ‘asset lend.’ For caveat loans, all you need is to be the owner of a piece of real estate. Here is a list of residential, commercial, industrial or specialised securities that the loans are commonly secured against:

>> A home or a unit

>> Vacant land

>> Medical centres

>> Child care centres

>> Commercial properties

>> Rural land, farmland or agricultural land

>> Acreage (with no limit), etc.

How are Caveat Loans Structured?

>> They are structured just for a short-term of 1 to 12 months period

>> They generally have a five day “fast-settlement”

What is the Loan Exit Strategy and how are Caveat Loans Repaid?

The loan exit strategy is where the borrower agrees to pay the loan back to the lender/credit provider at a predetermined time (usually between 1 to 12 months).

The repayment of the loan can be done by one of the following methods:

>> You can refinance the loan

>> You can sell the asset

>> You can use any business cash flow or commissions due to you

What Other Reasons do Business People Choose for obtaining Caveat Loans?

Here is a list of many reasons (scenarios) why business people choose the loan:

>> A common use of the loan is if business people require funds for bridging between the selling of a property and the funding of an urgent requirement;

>> Having the required cash flow in hand by way of the loan has helped many business people to pay off their debts and thereby enabling them to go on with the running of their business;

>> It may be that business people want to expand their business, and they need additional funds to enable them to fulfil their business goals;

>> They may want to attend an auction and the need to transfer the funds right after the auction ends; or

>> They may simply have a business deal that is too good to let go, and they currently do not have the required cash to pursue this business deal.

So, now you know how caveat loans can help you. More importantly, you also know that the loans can help you with any unexpected urgent commercial debts that you have to pay before any legal process is taken against you (e.g. default or court judgement) or before you are charged with late fees.

Singh Finance helps business owners in securing finance for their business. The firm’s expert finance brokers will help you in securing quick caveat loans as well as help you in obtaining business equipment finance and short term business loans. Call on 0424 190 908 or enquire online now.

Innovative Gift Idea – Tea Gift Packs In Designer Velvet Packaging

Everyone loves to drink a cup of Tea every morning. It is also one of the best refreshing beverages after a daylong hectic activity. You can offer Tea gift packs for your friends, relatives, loved ones and colleagues. Lot of online stores offers Green Tea, whitetea, Oolong tea and blacktea in the denomination of 100 grams, 200 grams, 500 grams and 1000 grams. You need to choose attractive packaging like designer velvet packaging for giftingtea.

Velvet is a fabric with attractive designs and colors. You can select velvet packaging with golden color cord for teagift packs. You convey bondage and warmth through offering Green tea in innovative velvet packaging. Velvet packaging offers protection for your tea during transit. Velvet packaging is offered in colors such as bottle green, beige, grey, royal blue, red, black and wine. You can ask the online store for making customized message on the package to convey your love and affection.

For Corporate teagift packs, you can ask the packaging company to print a specialized message along with company logo. It helps to improve popularity of your company apart from attracting prospective customers. It is one of the best ways to boost your trust and sales.

Conical shaped velvet packaging gives a business touch. You can offer teagift packs on the eve of achieving record sales, profits or on special festive occasions. You can also offer tea in velvet packaging to your subordinates and win their hearts for improving productivity.

You can also select velvet pouches with geometric patterns. Velvet packaging safeguards nice aroma of your favorite tea while on the transit. It also keeps the tea fresh. Your loved ones can enjoy fresh greentea and enjoy its health benefits.

You can also designer card board boxes for offering tea as gift. Variety of small sized cardboard boxes with attractive designs is available in the market. You can also choose eco friendly packaging for tea gift packs.

You can look for loose green tea for gifts. It retains freshness and taste. Loosetea is better than tea bags. Good quality young tealeaves are harvested and packaged in hygiene conditions. Low quality tea is used for teabags.

Health benefits of Green Tea

Green Tea reduces your cholesterol and improves blood flow. Intake of Green tea improves brain function. You will be alert and boost your memory. It helps to lower your body weight. Your body will generate energy for daily needs through utilizing stored fats in abnormal areas like buttocks, belly and shoulders. Alzheimer�s disease is prevented through removing plaque in arteries. It also helps to prevent heart stroke.

Green tea is rich in catechins. Catechins prevent cell death through fighting free radicals. Green tea is less processed to retain nutrients and antioxidants.

You can also offer whitetea as a gift to your colleagues on reaching the target production. White is also rich in catechins. It is more beneficial to your health when compared to green tea. You can also offer black tea as gift. You are advised to choose attractive velvet packaging for tea gifts.