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Pawn shops edge into mainstream
borrowers are pawning their jewelry, electronics and other valuables to make ends meet.
Consumer advocates say the development is worrisome because the interest rates on loans from pawn shops can be as high as 20 percent a month. But pawn shop operators say they provide a critical lifeline to a group with few other options.
A common misconception is that pawn shops simply buy the various knickknacks that customers bring in. But the more lucrative aspect of the industry is issuing loans against those belongings. Customers often prefer borrowing over selling as well because it lets them hold onto what may be their only tickets to cash in the future.
What's key about loans from pawn shops is the lack of judgment; a credit check isn't required and they don't have an impact on credit scores. The transaction takes just a few minutes in many cases.
A pawn shop owner simply eyeballs the merchandise a customer brings in and offers a loan amount on the spot. If the customer repays the loan within 30 days, the belongings can be reclaimed. The customer can also opt to extend the loan; many borrow against the same items over and over.
If a customer fails to repay the loan, the shop can put the collateral up for sale.
The National Pawnbrokers Association says its members are reporting record growth as a result of persistently high unemployment, coupled with soaring gold and metal prices. The group says the popularity of the shows "Hardcore Pawn" on truTV and "Pawn Stars" on the History Channel are opening up the industry to a broader customer base as well.
Although the vast majority pawn shops are independently owned, the latest quarterly profits at the three publicly traded pawn store operators reflect the growth the industry is enjoying. Cash America International, Ezcorp and First Cash Financial Services each reported net incomes that were up at least 25% from a year ago, helped by rising demand for loans.
"The opportunities for shortterm cash have dried up," said Eric Fosse, who heads North American operations for Ezcorp, based in Austin, Texas. "Banks have basically abandoned our customer base and their neighborhoods."
Since the start of the downturn, banks and credit card companies have moved to reduce risk and maximize profits by stepping up their courtship of big spenders with sparkling credit. According to the latest data from credit reporting agency TransUnion, the bulk of credit card offers are still going to those with a credit score of at least 700.
Such economic conditions are pushing more borrowers into the position where their only options are loans from pawn shops, Fosse said.
The average amount of a pawn loan has nearly doubled to $150 since the downturn began. That's partly because a spike in precious metal prices means gold jewelry is fetching higher prices. But it also speaks to the changing customer base, said Emmett Murphy, a spokesman for the National Pawnbrokers Association, based in Keller, Texas. The site is targeting a more middleclass customer base and has made about $3 million in loans since June. Founder Todd Hillis says the average loan amount is $2,000.
Rather than haggling at the counter of a pawn shop, the site's customers fill out an online form describing the items they want to pawn (including a picture is optional) and receive an email offer for a loan amount. If they accept, they print a FedEx shipping label and overnight mail the items free of charge. Once the items are received and validated, the loan amount is deposited into the customer's bank account.
Reflecting the economy's impact even on upperincome customers, Hillis said customers are mailing in luxury jewelry collections and [url=http://www.xantrex.cc]Louis Vuitton[/url] purses.
"It's not your typical brick and mortar pawn shop where they're taking in home electronics and video game systems," he said.
The interest rates are also on the lower end of the industry at between 3 to 6% a month. But the costs still add up. Pawngo loans come in threemonth installments, so on a $2,000 loan, customers would pay back $2,360 after three months.
The interest rates pawn shops can charge vary widely depending on the state. In New York City, where the industry trades primarily on jewelry and loans tend to be larger, the cap is 4% a month. South,[url=http://www.xantrex.cc]cheap louis vuitton[/url], where loans tend to be smaller with many customers bringing in items such as power tools or lawn mowers, caps can be as high as 20%. Fees for storage could also apply in some regions.
Loans from pawn shops can also hook users into a cycle of debt because those living on tight means are prone to extending loans if their financial situations don't improve. The risk is not as high as with other types of loans, however, since pawn loans tend to be smaller and are easier to repay, she said.
Loans from pawn shops are also more merciful because they don't trigger a sequence of financial repercussions, Fox notes.
"It's a form of highcost credit," she said. "But if you don't repay the loan, you surrender the item and the transaction is over."
Even though going to a pawn shop may seem expensive to those with good credit, Bean of Suffolk Jewelry Pawnbrokers in Boston also notes it's a way for many to keep the lights on at home.
"It's still the business that it is, and it can't be picture perfect," Bean said. "We're not a genteel jewelry shop. But people can come in and expect that it will be efficient and we will be polite."

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express delivery to Hongkong if you need to change the address you really want extra charge? 13 reporters on the matter to Yunda Express International consulting. A staff member told reporters, Hongkong express company to send to the residential,[link widoczny dla zalogowanych], are added to residential service charges, the general is 20 Hong Kong dollars. If the recipient requires the change of address,[link widoczny dla zalogowanych], address area and the original address and the change is not in the same area,[link widoczny dla zalogowanych], to the appropriate fee will be charged, the specific cost depending on distance charge. Hongkong to send mail to Hongkong, than the mainland high cost, in accordance with the company's rules, is to charge a fee. "After all,[link widoczny dla zalogowanych], we express in the collection with no customers clearly, we waive the fee should be." The staff member said.
13 in the afternoon,[link widoczny dla zalogowanych], the reporter linked to the Yunda express company, Mr. Liu Donghui branch person in charge of the company told reporters: "the package to the Hongkong post, courier call recipient, the recipient address wrong,[link widoczny dla zalogowanych], request to change the address, in accordance with the provisions of Hongkong branch,[link widoczny dla zalogowanych], to address the delivery charge 20 Hong Kong dollars. Considering the convenience of consumers, we have saved the cost of. Second times sent, the recipient is not in the home, we change to another city. In accordance with the provisions of this charge HK $25, but the recipient is not willing to pay,[link widoczny dla zalogowanych], Hongkong branch can only come back. As for the 80 yuan fee is charged according to the provisions of the Hongkong company." Mr. Liu said. The reporter understands, Mr. Lin after rhyme reaches express Hongkong branch negotiation, which agreed to waive the cost of change of address.
Fuzhou news net "I sent from Fuzhou a few books to friends in Hongkong, as the result of super regional delivery, express company to add 25 Hong Kong dollars can be sent to. My package was stranded in Hongkong now,[link widoczny dla zalogowanych], express company said to come back to collect 80 yuan fee." The 13 day,[link widoczny dla zalogowanych], live in Mr. Lin Gulou District dawn garden people call our newspaper hotline 83751111 reflect.
"in November 27th, I send the goods to Hongkong friends, called Yunda express onsite Lanshou, the courier charge 35 yuan fee." Mr. Lin told reporters, when he sent 3 Book 3 picture VCD. "Yesterday,[link widoczny dla zalogowanych], the express company telephone, said I send the address is Hongkong, a relatively remote areas, to add to 25 Hong Kong dollars,[link widoczny dla zalogowanych], my friends don't will add money, now can only be returned to the courier company." Let Mr Lin is puzzled, express company called return express charge 80 yuan fee.
(Fuzhou Daily reporter Ren Siyan)
The
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Shanxi Mount Wutai scenic area of Taiwan Huai temples over the emergence of multicoloured auspicious clouds, so there is a Chinese idiom "auspicious sign" or "Rui Cai auspicious clouds".

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(Fuzhou Daily reporter Wen Hailong)
Go
Fuzhou news network 26 early in the morning,[link widoczny dla zalogowanych], do you have "autumn night" feeling? Yes, a strong cold air coming,[link widoczny dla zalogowanych], let Rongcheng temperature decreased. Reporters from the city meteorological department to know, affected by cold air,[link widoczny dla zalogowanych], 27 on the morning of Rongcheng low temperature, the low temperature in some areas of Yongtai, Minqing will be reduced to less than 20 DEG C.
however,[link widoczny dla zalogowanych], the effect of cold air soon passed. "Is expected in 27 days afternoon, our city the temperature will rise." The city meteorological station staff introduced,[link widoczny dla zalogowanych], 27 morning,[link widoczny dla zalogowanych], afternoon in the minimum temperature of 21 degrees, the highest temperature of 28 ℃. 28,[link widoczny dla zalogowanych], the urban cloudy cloudy,[link widoczny dla zalogowanych], night light showers, temperature of 22 ℃ ~ 29 ℃. 29, the urban cloudy cloudy,[link widoczny dla zalogowanych], has the shower,[link widoczny dla zalogowanych], the temperature of 23 ℃ ~ 28 ℃.
from 22 onwards, the cold air from west to East affected most parts of china. The 26 day, this cold air came to Fuzhou. The city meteorological station staff introduced, 26 morning Rongcheng the gloomy sky, occasionally falling raindrops, arrived at the cold air over the mountain after the difficult. The long, cold air forces have been depleted,[link widoczny dla zalogowanych], strength as expected, the lowest temperature of the cooling process is expected to appear in the 27 day of early morning, the temperature in some areas of Yongtai,[link widoczny dla zalogowanych], Minqing will be reduced to less than 20 DEG C.
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Shanxi Mount Wutai scenic area of Taiwan Huai temples over the emergence of multicoloured auspicious clouds, so there is a Chinese idiom "auspicious sign" or "Rui Cai auspicious clouds".