Posts by Laney Jericho

4 Tips To Get The Best Price For Your Goods At A Pawn Shop

Selling one of your belongings to a pawn shop is a quick way to make cash when you need it, but you should approach pawn-shop negotiating the right way. After all, haggling is an art form, and pawn shop workers and owners have lots of practice. Use the following four tips to make sure you’re walking away with the amount of money you deserve.

Do Research Before You Walk Into A Pawnshop

If you’re headed to a pawn shop to sell a used DVD, then maybe extensive research on the price of the DVD isn’t necessary. However, if you’re selling a rare item, an autograph, jewelry, an antique family heirloom, or a painting, it’s worth doing a bit of research beforehand. Otherwise, you could end up selling an item worth thousands for a bargain basement price.

Research could mean doing a simple search online about the item you’re selling, but often it’s an even better idea to have your item appraised first, especially for items like antiques or jewelry. This will give you an idea of how much you should be getting in the first place. Also avoid using appraisers that a pawn shop supplies, as they often have a working relationship with the pawn shop, and have an incentive to value your item at a lower price.

Never Share the Price Of Your Item

You might know perfectly well how much you paid for an item or how much your item is actually worth, but that doesn’t mean the pawn broker has to know. Letting the pawn broker know how much you paid creates a narrow price range that the pawn broker won’t go above, leaving you at a disadvantage.

Research The Pawn Shop in Advance

Often, you can do a quick online search on pawn shops in your area. If a pawn shop is really known for unfair negotiating tactics and offering cheap prices, then it’s a good idea to steer clear. Try to find a reputable pawn shops with reasonably good reviews, and you’ll likely have a better pawn shop experience.

Don’t Be Afraid To Walk Away

It’s often a good idea to walk into a pawn shop with a minimum price you want to receive for an item. Otherwise, you might be talked into going way lower than you initially thought. Remember, a pawn broker is usually going to give you 50 percent or less for what they think they can resell the item for. That’s just standard pawn shop practice. However, don’t be afraid to walk away if you think you’re not getting a fair deal. Visit a shops like A J’S Super Pawn Inc to get started.

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Exposing Myths About Payday Loans That Might Be Misleading You

Being short on money can create tremendous headaches and stresses for almost anyone. Sadly, there may be times where these problems are bad enough to force someone to struggle to put food on the table. Fortunately, payday loans offer you a way to provide a temporary infusion of cash to help you make it to the next time you get paid. Yet, there may be myths that you have heard that can persuade you from pursuing this option in this time of need. 

Myth: Bankruptcy Will Prevent You From Qualifying For A Payday Loan

There are millions of people that will have to seek the protection of bankruptcy court at some point during their lives. Unfortunately, this protection can make it extremely difficult for people to obtain traditional lines of credit for several years following the filling. While many people assume that these restrictions will apply to any form of credit, this is not true because payday loan companies will generally not consider a person’s credit history.

Rather, these providers are only interested in determining the applicant’s monthly income and employment history. As long as you can demonstrate a stable work history with enough income to repay the loan, most providers will approve you. 

Myth: Payday Loans Must Be Paid Back All At Once

Another common belief about these financial tools is that these loans must be paid back in full with your next paycheck. However, this would make it virtually impossible for individuals to ever recover and stabilise financially. Luckily, this is not the case, and these loans can have favorable repayment terms. 

In most cases, your payments will be broken into many small amounts that will be owed at each time you get paid. Unlike other loans which are based on standard payment cycles, payday loans are tied to your pay schedule. As a result, you will likely have a payment due on every payday for the length of the contract. Interestingly, if there are instances where you cannot make a particular payment, there are some lenders that offer individuals the chance to postpone a set number of payments, and taking advantage of these policies can greatly enhance the convenience of repaying these loans. 

Payday loans can be an effective way of ensuring that you have the money you need when you need it. However, many people believe incorrect information about these loans, and this may cause them to overlook this option. By knowing that a past bankruptcy will not impact your approval and that you can pay these loans back in a series of installments, you may be better positioned to decide whether a payday loan is right for you. 

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Do You Need Money Right Away?

Nobody intends to run out of money. It could be that you have unexpected car repair bills or medical bills that weren’t anticipated. Or, you might have the wonderful opportunity of going on a trip with friends, and the funds are not readily available. Whatever the reason, there are times when you need cash, and you need it right away. When that happens to you, here are some steps you can take that might help.

Head To A Pawn Shop – If you have something of real value, pawning it at a reputable pawn shop is a real consideration. The benefit of using a pawn shop is that you can return to get your item back. The down side of pawning is that if you don’t have the money to retrieve your item by the appointed time, you will more than likely lose it. However, overall, pawn shops are definitely not the scary places that are depicted in old movies!

Get A Cash Advance – Getting a cash advance is a great way to get extra funds in a very short time. A cash advance loan is sometimes called a payday loan, a small dollar loan, or a check loan.

  • This form of borrowing money is meant to be a short term loan, usually due by your next payday, and is for a small amount of money, usually $500.00 or less.
  • Your credit card company may let you withdraw a certain amount of cash through an ATM or from a bank. When you use your credit card company, a transaction fee is usually charged to your account.
  • The lender will have access to your checking account, or you will be expected to write a check for the amount of the loan, with the knowledge that it will be deposited on the day that has been agreed to by you and the lender.
  • If you need to extend the time that you will pay the company back, that can usually be arranged. Another action that you can take is to pay the loan back in installments.
  • Use payday loans very cautiously, paying the amount you borrowed by to the lender as quickly as possible. Remember, obtaining cash advances also means having high interest rates. However, the fact that getting a cash advance is quick and easy is a very good reason to use it.

Good luck on working out your finances.

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What You Should Know About Immigration Bail Bonds

Bail bonds provide you a way to get your friend or loved one out of jail and put up the bail money, if you don’t have the cash to provide the court. An immigration bond is similar, except it is issued exclusively when your loved one was arrested due to immigration purposes. If you put up an immigration bond, they are released until their next court date to discuss how to handle the immigration issue. Here is more information about immigration bail bonds.

Types of Immigration Bonds

There are two types of bonds that are considered immigration bail bonds: the delivery bond and the voluntary departure bond. The voluntary departure bond is offered if the person arrested is given the option to leave the country on their own, returning at their own free will and at their own expense. If the person leaves the country, the person who got the bond will be refunded. The more common type of immigration bond is a delivery bond, where the illegal immigrant is expected to show up for all court appearances, but may continue living at home with family.

How to Get an Immigration Bail Bond

If you have a loved one that is being detained due to immigration issues, you can either get a surety bond or a cash bond. The surety bond is provided to you by a licensed bond agent that works specifically with immigration bonds. In this case, you leave a small percentage of the total bond amount as cash or leave collateral worth this percentage, then they will release your loved one from jail until their next court hearing. If you have the full bond amount in cash, you can pay this directly to immigration, and they will give you what is called a cash bond. This may be refunded, depending on the circumstances.

The Cost of Bail Bonds

The amount of the bail depends on the court who detained the illegal immigrant. This may be based on any number of factors, such as the circumstances surrounding their detainment, or if they have been arrested before. If they have multiple immigration offenses, the court can either refuse to offer bail, or set a very high bail amount. The higher the amount, the more you need to pay for the bail bond since you are paying a percentage of it. The cost of a cash bond is definitely higher since you’re paying the entire bond, but you have a better chance at getting your money refunded. For further information, look at this web-site.

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Do You Want To Know About Bail Bonds?

If you’re looking for a quick lesson on bail bonds, that might mean that somebody you care for has run into some trouble. Hopefully, the offense is not a serious one and you will be able to handle it without too much pain. Here’s a simple accounting of what you’ll need to know about posting bail.

The Call – Typically, the offender will select somebody to call to get him out of jail. That person might be you, or you might be asked to help by somebody who isn’t able to offer monetary assistance. You won’t have to fork over the total amount of the bail bond. For example, if bail has been set at $7,000.00, you will probably be asked to pay about $700.00.

At The Bail Office – Typically, you’ll be going to the bail bond office twice, once by yourself and once with the offender.

  • Your First Visit – Most bail bonds businesses will not take credit cards or personal checks. Find that out before you head to the office, as you might need to purchase a money order in the amount you have to pay. Once you’re at the office, you’ll have to fill out paperwork about yourself, including your home address and phone numbers where you can be reached.  In addition, you’ll have to give the names, addresses and phone numbers of personal contacts. Paying the bail bond doesn’t necessarily mean that you’ll be able to get the offender out of jail immediately. Instead, you might have to wait for hours while paperwork is processed, and the offender might be let out in the middle of the night, so be prepared to kill some time.
  • The Second Visit – After you’ve picked the offender up at the jail, you’ll have to return to the bail bond office together. Sometimes you are given a period of grace, usually twenty-four hours, to return with the offender. Now it’s the offender’s turn to fill out paperwork. Besides personal information, they will also have to give names, addresses and phone numbers for contact people. Those are usually not the same names that you have listed on your own page. Also, the contacts cannot live in the same residence as the offender.

The Follow Up – Understanding this is crucial. If the offender doesn’t comply with what is expected of him, you will be held liable for the remainder of the amount of the money that is still owed. The offender will usually be asked to call in every single week. If they change their place of residence or phone number, or if there are any other major changes, they must report this to the bail bondsman.

Good luck on handling this delicate matter. For more tips, visit sites like

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