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San Francisco, CA (PRWEB) January 29, 2015

Best Collateral pawn shop in San Francisco recently published answers to questions posed by consumers interested in visiting a pawn shop for the first time. San Francisco pawn shops, like Best Collateral, provide pawn loans to consumers everyday who find themselves in need of a little extra cash. Pawn shops are a vital alternative to conventional bank loans and have helped many families in San Francisco and the Bay Area in difficult economic times.

Unlike loans from banks or other lenders, a pawn loan can never affect a consumer’s credit. No employment verification is required, and the process of obtaining a loan is fast and easy. Yet, many remain unclear as to how pawn shops work and why they are a viable option for meeting financial needs. On their website http://www.bestcollateral.com/stores/San-Francisco/, Best Collateral has several video’s that provide more details on how a pawn loan can help consumers in need of short-term cash.

For consumers looking to visit a San Francisco pawn shop, here are brief answers from Best Collateral on how pawn shops work and how to get a pawn loan:

How do pawn shops work?

People often need to borrow small amounts of money that other lenders are not willing to provide. As with many other loan products, a pawn loan is based on the collateral provided to support the loan. Best Collateral lends money on items of value ranging from gold and diamond jewelry to musical instruments, televisions, tools, household items, video games and more. For loans below $ 2,500, interest and fees are fully regulated by the State of California. For loans of $ 2,500 or more, fees are regulated but interest is negotiated between the borrower and the pawn shop.

The statutory loan period in California is 4 months, with the borrower having the flexibility to renew or redeem the loan at any time. During this loan period, ownership to the property stays with the borrower – the pawn shop merely stores the property until the loan is repaid or the customer decides to not repay the loan. At the end of the loan period, California statutes require a “10-day” grace period “Default Notice” be mailed to the borrower. To enhance a borrowers’ ability to manage their loans in a timely manner, Best Collateral offers a free email reminder service and provides its customers with a 15 day grace period. Best Collateral also provides a 10-day grace period between the sending of the email and the mailing of the official notice. This affords Best Collateral borrowers a loan period of 4 months and 25 days, whereas California statutes amount to a 4 month and 10 day loan period.

If a customer prefers to sell their property or trade it for an item for sale in a pawn shop, Best Collateral pawn shop in San Francisco can outright purchase the item; thereby saving the consumer the hassle and risk of trying to sell the item themselves. The goal of Best Collateral is to be competitive with the “net” value a consumer would get by selling the item on an internet sales sites or reducing the risk of meeting unknown buyers.

How much money can I borrow from a pawn shop?

Pawn loans can be as small as $ 10 or as high as several thousand dollars, depending on the need of the borrower and the value of the collateral. Customers tend to only borrow what they need. The average loan is between $ 70 and $ 150.

How does a pawnbroker determine how much my item is worth?

Best Collateral staff begin the process with understanding how much a borrower needs in order to solve their short-term cash requirements. Our professional staff then assess the value of the collateral—its current appraised value based on its current condition and our ability to resell the item should the borrower not retain ownership at the end of the loan period. We use all the research tools we have at our disposal to determine an item’s value and do our utmost to meet the customers’ cash needs. Just like when someone takes out a loan on a house or a car, if the collateral provided supports the cash needed, we offer to lend the amount desired by the customer. If the collateral is not sufficient to support the amount needed, Best Collateral staff offer suggestions on how the customer may provide additional collateral to support the loan or ask if a lower valued loan will still meet their needs. In the end, it is the goal of Best Collateral staff to find a way to say “yes” to making a loan and satisfy each customer’s needs.    

How much interest will I have to pay at a pawn shop in San Francisco?

Pawn loan interest rates are regulated by the State of California and are calculated on a sliding scale based on the loan amount. Usually, the more you borrow, the lower the interested rate. On average, the interest paid on a pawn loan often amounts to less than bank overdraft fees, bounced check fees or utility bill late fees. As an example (based on rates applicable in January 2015), a 4 month, 25 day loan of $ 150.00 with Best Collateral will cost just over $ 5.00 a month. A 4 month, 25 day loan of $ 300.00 will cost just over $ 8.00 a month.

What happens if I can’t pay back the money from my pawn loan?

It is important to understand that for the payment of the interest and fees, a borrower may enter into a new loan contract and have an additional 4 months and 10 days (4 months and 25 day with Best Collateral) to gather the funds to pay the loan in full. This option is available to the borrower for as many loan periods as they need to pay the loan in full. If for any reason the borrower decides they are unable to repay the loan in full, their credit can never be affected. That’s because the item has been used as collateral to secure the loan and the pawn shop may only look to the value of the collateral to recoup the money they loaned. Only after the 4 month and 10 day loan period (4 month and 25 days for Best Collateral) has expired does the collateral becomes the property of the pawn shop and can be sold. Upon expiration of the full loan period, the borrower has no further obligation to the pawnbroker.

For more information about how pawn shops work, contact Best Collateral. Best Collateral has 8 locations in Northern California, with 2 pawn shops located in the heart of San Francisco.







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LONG BEACH (PRWEB) September 30, 2014

Larson Jewelers (http://www.larsonjewelers.com), an authorized dealer of the Triton Rings line, a division of Frederick Goldman, has just announced they now have Triton’s Summer/Fall 2014 Tungsten Air styles and their rose gold and yellow gold colored tungsten rings available for purchase on their website. This means they have the complete collection of Triton’s styles online, so couples can browse all Triton’s styles from the comfort of their own home

Triton has over 400 styles of rings. Most jewelry stores only have about 20 to 30 of Triton’s styles in their display case at most. Couples going to jewelry stores to look at Triton rings are only seeing a small fraction of all the beautiful styles that Triton has to offer. Larson’s website is one of the few places that couples can now see all of Triton’s designs in one place. Larson strives to consistently update their website to make sure they are carrying all of their manufacturers’ most current styles. Other websites are slow to update their product offerings.

Triton’s Tungsten Air line features a lighter weight tungsten ring that is naturally white, which means it has no plating and is white all the way through. It also comes with an inner band of color for a sporty fresh look. Colors available are red, blue, black, and white. This line is geared towards younger males who are active and want a ring that shows this. Their rose gold and yellow gold colored tungsten rings line offers people the opportunity to have rings that look like rose gold or yellow gold, but retain the toughness of tungsten. “The people at Triton Jewelry are some of the hardest working people I know.” says Vanessa LeBeau, Marketing and Merchandising Manager for Larson Jewelers. “They are constantly churning out beautiful new styles of rings and I can’t wait to start showing them to our customers.” LeBeau continues to say.

All Triton Rings come with a manufacturer’s lifetime warranty, which covers size exchanges for life, and repair or replacement in case of accidental damage. It is part of their policy to only carry brands from manufacturers that stand behind their products.

About Triton

Frederick Goldman, Inc., the parent company of Triton Jewelry, began in the 1940s as a small manufacturer of plain wedding bands. Over the years the company grew due to their reputation for high quality and innovation. Today, they have become the largest wedding band manufacturer and wholesaler in the US. Triton Rings specializes in contemporary metal wedding bands for men. It is one of the most recognized name brands in the wedding band market today. Jewelry stores all across the US carry their rugged tungsten, cobalt, titanium and stainless steel wedding bands.

About LarsonJewelers.com

LarsonJewelers.com specializes in alternative metal wedding bands made by exceptional designers. To learn more about our new Triton ring styles and other great Triton Jewelry styles, please visit: http://www.larsonjewelers.com/c-74-triton-rings.aspx







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New York (PRWEB) August 29, 2014

Liori diamonds, creators of the finest diamond jewelry, recently amped up the wow quotient for their esteemed customers with the launch of their sparkling yellow diamond engagement rings. Each piece is exquisitely crafted to appeal to the most discerning woman of today. The sparkle of yellow with the bright white diamonds encasing each ring makes for a lifetime memory.

Discover the Magic of Yellow Diamond Rings from the Latest Collection of Liori Diamonds

Liori diamonds latest collection of bold and beautiful yellow diamond rings will seduce you with their workmanship, bling factor and their timeless appeal. You will take your beloved’s breath away by gifting her one-of-a-kind yellow diamond engagement ring. It will surely be one of the most magical moments that will be cherished forever.

The collection features a wide range of designs and patterns, created especially for the stylish woman of today’s society. You can find a wide array for anyone seeking vintage, classic and sleek contemporary ones that can be worn daily without much hassle. The collection ranges from an impressive 8.7 carat to the contemporary 1.72 carat yellow diamond rings.

“Yellow diamonds have a rare allure which comes across in a striking fashion. Our latest collection of yellow diamond engagement rings are designed for a woman who likes to set new milestones. It’s for woman who appreciates the intense beauty of fashion,” said company spokesperson.

Liori Diamonds takes great care with respect to the cut, clarity and color of each diamond for their jewelry lines. Each diamond is independently certified by GIA gemologist graduates. As one of the most stringent diamond appraisal labs, they ensure that stringent quality standards are maintained.

About Liori Diamonds

Liori Diamonds creates fine diamond jewelry to make each memory of their customer’s lives memorable. The range includes vintage, classic, as well as new and contemporary patterns for the modern woman.

Please visit http://www.lioridiamonds.com for more details.

Media Contact Details

Company – Liori Diamonds

Phone- +1 888-888-3321

Email- info(at)lioridiamonds(dot)com

Address:

581 5th Avenue

Penthouse Suite

6th Floor

New York, NY 10017

Social Presence

Twitter – https://twitter.com/liori_diamonds

Facebook – https://www.facebook.com/lioridiamonds







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Bridgeport, Connecticut (PRWEB) July 30, 2014

Pain Free Living web: Superior Magnetics.com released a new magnetic sports bracelet for pain relief and improved performance. This new magnetic sports bracelet has 100 times strength carbonized titanium embedded in a silicone core that is sheathed in nylon soaked in Aqua titanium. It also has Germanium and is embedded with scalar energy and Schumann frequency thus making it a magnetic balance bracelet.

“Pain Free Living has 12 years experience developing magnetic bracelets. We developed the magnetic sports bracelet for our customers wanting to wear a sporty bracelet instead of jewelry explained Shu Arvilla of SuperiorMagnetics.com, “This magnetic sports bracelets has five technologies to enhance performance and provide relief.” Magnetic Sports Bracelet

For information on the magnetic sports bracelet, go to: http://superiormagnetics.com.

What is the benefit of wearing a magnetic bracelet?

A magnetic bracelet is a therapeutic piece of jewelry, worn for the benefits the magnetic field can offer. Magnetic jewelry is being used successfully by many people for pain relief of inflammatory conditions such as arthritis, tendinitis and bursitis. Tim Harlow, general practitioner1, Colin Greaves, research fellow2, Adrian White, senior research fellow3, Liz Brown, research assistant4, Anna Hart, statistician5, Edzard Ernst, professor of complementary medicine4.in a randomized, placebo controlled trial with three parallel groups came to the conclusion: Pain from osteoarthritis of the hip and knee decreases when wearing magnetic bracelets.

According to William Philpott M.D. in his book, Magnet Therapy: An Alternative Medicine Definitive Guide, the North Pole magnetic field has the following effect on living metabolic systems

“it normalizes acid and alkaline balance,” sore or stiff muscles, chemical hypersensitivity and many disease states are highly acidic.

“it relieves, stops pain and other symptoms”, as pain is usually a symptom of an imbalance in pH and/or inflammation of the area.

“it provides oxygen to the cells”.

About Pain Free Living

Pain Free Living has performed magnetic therapy at fairs and festivals for over 12 years using magnetic bracelets and magnetic jewelry. Pain relief demonstrations are available at shows and for those unable to visit a show Superior magnetic bracelets are available at online.

Contact Pain Free Living

Web: http://www.superiormagnetics.com

Tel: +1 909 336-7514







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Los Angeles, California (PRWEB) June 27, 2014

To celebrate America’s Independence Day DiamondStuds.com, a leading online retailer for diamond earrings, is holding a July 4th sale on its American-made diamond earrings collection. From June 25th through July 8th, 2014, customers who purchase online using the coupon code FREEDOM10 will receive a 10% discount off their purchase on selected items. These diamond earrings are available in a large range of diamonds including colored diamonds, as well as gemstone earrings. DiamondStuds.com also offers free shipping and handling on all orders. DiamondStuds.com is one of the few online retailers, which continues to design and manufacture their diamond jewelry in the USA. As the company spokesman said, “We’re extremely proud to employ a factory of amazing individuals who strive to hand-make beautiful diamond jewelry in the USA. Now is a great time to save big on diamond earrings with a 10% discount on our already amazingly low prices.”

About DiamondStuds.com:

Armed with a mission of lasting excellence and superior knowledge about diamonds, DiamondStuds.com focuses solely on diamond stud earrings. This attention to exacting details allows the company to offer its consumer base the largest selection of fine diamond earrings online. DiamondStuds.com also provides a huge array of customization options, enabling each individual to create an exquisite pair of studs, halo earrings, gemstone earrings or fashion earrings unique to his or her personal preferences. To learn more about DiamondStuds.com, please browse the new website at http://www.diamondstuds.com. Customers can call DiamondStuds.com at 213-955-9222 to speak live with a customer service specialist or visit the company’s Facebook page (https://www.facebook.com/diamondstudscom), and Pinterest (http://pinterest.com/diamondstudscom/).







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