Designer Handbags | R & J Jewelry & Loan

FAQs About Pawn Shop

09 Feb 2023
R&J
Bullion / Coin, Designer Handbags, Diamonds, Fine Watches, Gold, Jewelry, Loans, Pawn
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It’s difficult to watch TV these days without coming across a pawn reality show. While they provide excellent entertainment by exposing some of the more unusual things and individuals in the pawn market, they also leave many viewers with misconceptions about how the pawn industry actually works. We’d like to clear up any confusion by answering 10 Common Questions About How Pawn Shops:

1. What is a pawn shop?

A pawn shop is a business that offers loans in exchange for personal property. Pawn shops typically accept items of value, such as jewelry, diamonds, gold, silver, luxury handbags and more as collateral for a loan.

2. How do pawn shops work?

Pawn shops offer loans to customers who bring in items of value as collateral. The loan amount is typically based on the value of the item being pawned. If the customer is unable to repay the loan, the pawn shop will keep the item and sell it to recoup their losses.

3. What are the benefits of pawning an item?

Pawning an item can be a quick and easy way to get a loan. Pawn shops typically do not require a credit check, so they are willing to lend to customers with poor credit. In addition, pawn shops usually allow customers to pawn items longer than other types of loans, such as payday loans.

4. How can I find a pawn shop near me?

The best way to find a pawn shop near you is to search online or in the Yellow Pages. You can also ask friends or family members if they know of any pawn shops in your area. Once you have found a few pawn shops, be sure to call and ask about their loan terms and conditions before bringing in any items.

5. What should I pawn?

You can pawn almost anything of value, including jewelry, diamonds, gold, silver, and even luxury handbags. However, not all pawn shops accept every type of item. Be sure to call ahead and ask if the pawn shop accepts the type of item you wish to pawn.

6. Do I need an ID to pawn an item?

Yes, most pawn shops will require some state issued identification to pawn an item. This is typically done to prevent theft and fraud. Be sure to bring a valid ID, such as a driver’s license or passport, when you pawn an item.

7. What if I can’t repay my pawn shop loan?

If you are unable to repay your pawn shop loan, the pawn shop will keep your property and may sell it to recoup the loan amount. You will also likely be charged additional fees for extending the loan or defaulting on the loan.

8. What are the risks of pawning my property?

The biggest risk of pawning your property is that you may not repay the loan and lose your collateral. Pawn shop loans also typically have high-interest rates, which can make it difficult to repay the loan. Finally, if you default on your pawn shop loan, the pawn shop may report the delinquency to the credit bureaus, which could damage your credit score.

9. How is the value of an item determined for pawning and selling?

The value of an item that is pawned or sold depends on many factors, the most important of which is the market value. Other considerations include the condition of the item, its age and provenance, and any sentimental value it may hold. Pawn shops typically offer 30-60% of an item’s market value, while pawnbrokers may offer up to 80%. Private buyers usually pay closer to market value, but this can vary depending on their own personal circumstances. Ultimately, the decision of how much to pawn or sell an item for is up to the individual. However, it’s important to be realistic in valuing items to ensure a fair deal.

10. Is the information about my pawn loan secure and confidential?

At pawn shops, the security and confidentiality of your pawn loan information are of the utmost importance. The law requires pawn shops to keep all pawn loan information confidential. This means your pawn loan information will not be shared with anyone without your permission. Pawn shops are also required to keep all pawn loan information secure.

Conclusion

Are Pawn Shops Risky? Absolutely, some can be, but on the contrary to popular belief, most pawn shops provide their customers with a clean, confidential and friendly environment to conduct business. Furthermore, pawn shops are highly regulated enterprises that take great care to follow all regulations governing our sector.

Shopping Layaway Near Me

03 Oct 2022
R&J
Audemars Piguet, Birkin, Celine, Chanel, Designer Handbags, Diamonds, Fine Watches, Gold, Gucci, IWC, Jewelry, Layaway, Louis Vuitton, Pawn, Rolex
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The 2022 holiday shopping season will start early this year. Starting about mid October through December 24th, the holiday season will be different this year than in years prior.

With the economy and rising inflation, problems with supply chains, employee and staffing headaches, things may be turbulent.

There is no doubt the dollar doesn’t buy as much as it did in the past. There are a few things we can expect for this year’s gift giving season.

First, e-commerce shopping:

Will continue to grow and make online shopping available worldwide. It’s estimated that about 20% of all retail sales will come for online, digital channels. Big box stores and malls have closed. This has been partly due to the pandemic, and also due to the ways customers shop.

Customers like delivery, curb side pickup, shopping from their sofas and having things sent to their door steps.

Some large department stores and mom and pop stores have revived their retail presence by opening online stores and website presence.

Second, there may be more deals campaigns this season to help with shopping costs.

Some retailers may decrease their margins to encourage customers to buy from them.

Third, inventory shortages may be a real challenge due to supply chain and staffing issues.

There may be opportunities to opt-in to be notified when a certain product becomes available, so you aren’t making needless trips to try and find the special gift you are looking for.

Fourth, businesses and companies will make more efforts to keep consumers involved and loyal to their products, so they do their shopping with them.

Text blasts, campaigns, emails, and other forms of marketing will create a transparent process between you, the consumer, and the business you are buying from. Keeping informed is important for most people, and in today’s shopping world, this hasn’t gone unnoticed. Chatbots, automated text messages, and automated callbacks have made instant information possible.

Fifth, purchasing gifts is easier with cashless payments, mobile wallets, and cryptocurrency.

Mobile phone apps make shopping quick and easy. Some programs also offer pay overtime options.

Sixth, think about pawn shop layaway programs.

Many communities have pawn shops, and pawn shops near you may have a layaway program. With only ten percent as the down payment and monthly payments, and the balance paid within ten months.

Layaway programs help you shop for and purchase pawn items while they are available. Check your local pawn shop to see what layaway programs they have to offer.

If you are shopping for gold jewelry or other fine jewelry, silver, name brand electronics or tools, luxury handbags, and designer watches, pawn shops have them all. These preowned beauties are available at affordable prices.

Pawn shops authenticate and appraise items before they go out on the retail floor or into the shop’s online inventory. The process in the pawn shop is honest and forthright. Pawn shops wouldn’t stay in business long if they cheated people or bought and sold fake items.

Setting up a layaway program and determining when the final payment is due will help you have special gifts set aside and paid for through small payments throughout the fall months.

Determining what your purchases add up to and how much the small fee is to have a layaway program account all enters into what your layaway plans look like. In some situations, having a layaway plan means interest free purchasing in most stores, which helps save money, and the shops don’t require a credit check.

Make sure you can pay payments on time, and in a situation where you have to forego your items, you understand if there is a cancellation fee or restocking fee.

R&J Jewelry and Loan

Since 1978, R&J Jewelry and Loan has been a family owned and operated pawn shop offering a full range of pawn services. They have built their reputation on personalized services and their extensive jewelry selection in various price ranges.

They strive to set themselves apart from other pawn shops, offer a layaway program, and offer real money for your personal items.

They give fair and reasonable offers, and will buy or give you a cash loan to get you through the rough times.

R&J Jewelry and Loan has an extensive line of fine jewelry, designer watches, gold, diamond, gold jewelry, and luxury handbags all ready for the holidays. Shop early and save money on the cost of the 2022 holiday season.

“Inside” Of A Louis Vuitton Bag?

20 Jun 2022
R&J
Designer Handbags, Loans, Louis Vuitton, Pawn
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A Typical Handbag Has a Place for Everything You Need On the Go

A handbag provides space for many things for a busy person on the go. Purses don’t have to be ugly, big, bulky, or out of style. A purse or handbag makes a statement while providing portable storage space for everything you need while out and about.

Learn to prioritize what you need, so you don’t just have a handbag full of clutter and stuff.

A wallet, phone, and keys are a good start. Nothing is more frustrating than trying to check out with the fancies you purchased at a store, and then discover you left your wallet on the counter at home.

Some people like to carry pocket-size tissues just in case of that occasional sneeze or makeup smear.

Depending on the size of your bag, a small cosmetic bag, hair brush, and ties might be in order.

There’s nothing like a notebook and pen to write down numbers, names, or details until you get home and can enter them into your computer.

Inside Louis Vuitton Bags

Let’s talk craftsmanship, not things you put into the authentic bags. You are the go type of person and love to get out and about. You own a collection of Louis Vuitton Bags and have your favorites. What do different Louis Vuitton Bags have on the inside and outside, and what makes them genuine and special?

Louis Vuitton Bag Linings

Louis Vuitton bags use various linings, and the linings are always high quality. The company uses canvas lining in red or honey, fine monogram patterns, cross-grain leather, tone-on-tone polyester, or microfiber suede.

A Louis Vuitton canvas handbag is a coated canvas bag. The canvas is either Louis Vuitton’s famous Monogram pattern or Damier print. Both canvas styles are durable and water repellent. The Damier Evene Canvas bags are lined with red microfiber. The classic Louis Vuitton Monogram Canvas is generally lined with brown cotton textile lining.

The pattern on each bag is made of tan LV logos on a dark brown background. Epi leather and Mahina handbags are lined with suede-like microfiber suede, but some Louis Vuitton bags have been relined with non-authentic materials. The original material either matches the exterior of the bag, or maybe includes lining with a contrasting color. Some older bags have a washable lining.

The Louis Vuitton Signature Monogram Canvas

The Luis Vuitton monogram was designed by Georges Vuitton in 1896. It was a branding effort for his luggage business and is now a recognizable mark on each genuine Louis Vuitton bag.

The tail of the “L” is short. The “O” is round not oval and looks larger than the “L”. The “T” should be almost touching and close together.

The LV logo is similar and referred to as the LV monogram.

The signature monogram pattern is never reversed or done with additional colors. The Monogram pattern is symmetrical from left to right, and a counterfeit bag is easily spotted when compared to an authentic Louis Vuitton bag.

A genuine Louis Vuitton Bag has complementary Vachetta Leather, which is a natural hide that becomes a classic darker caramel color. Louis Vuitton doesn’t use plastic or PU leather.

Remember that Monogram pattern bags are never lined with brown suede.

The Damier Graphite canvas

This pattern uses a classic block pattern in black and grey. Damier means checkerboard in French. Damier canvas is not leather but a man-made material made of plain-woven fabric. The Damier canvas was reintroduced in 1996 in Ebene color, which is a neutral brown shade. The block patterns always line up.

Upside Down LV

Is this a mistake or do real Louis Vuitton bags have this?

There are original Louis Vuitton handbags with upside-down LVs on the backside. This is because, in the craftsmanship of the bags, Louis Vuitton uses one continuous piece of leather wrapping from the front side to the backside which causes the LV to be upside down. The Speedy bag is a good example of this. It has no seam on the bottom of the handbag.

Date Code Stamp

Louis Vuitton bags have date code stamps if they were crafted after 1980. They are typically located on the interior tags, interior lining, or leather fixtures. Sometimes the date codes are on the exterior in a hidden place and each style of bag has there own date code location.

Reading the Date Stamp

The date code stamp represents when the bag was made and where. The date code is a combination of letters and numbers. The letters stand for the country the bag was made in and the numbers stand for the date. There is a combination of numbers in the date codes that represent different information.

For instance, the Louis Vuitton date codes between 1990 and 2006, the first and third number stands for the month and year the handbag was made and the second and fourth numbers stand for the year. After 2007 the date codes included two letters for where the bag was made and two numbers indicating the week and year the luxury handbag was made.

Date stamps found on a Louis Vuitton bag must be pressed evenly and the spacing needs to be perfectly placed on the right shape tag for the handbag.

Here is a date code table from Couture USA.

There are various country codes. There are ten country codes for Italy BC, BO, CE, FO, PL, MA, RC, RE, SA, and TD. The United States has six country code options depending on where the bag was made.

Louis Vuitton – Neverfull Bags

The Neverfull was made after 2007. This bag was roomier to hold all the things the on-the-go person needs whether they are out and about during the day or night or both.

The Neverfull is made from a Monogram canvas with natural cowhide trim. It has side laces that create a sleek look and it can be carried on the arm or shoulder.

The Neverfull Monogram has a tan interior with thin brown stripes giving the handbag a sophisticated look. Originally the luxury handbag was made only with Beige lining in Monogram, Damier Azur, and Red lining in Damier Evene. This remained true from 2007 until 2014. The luxury hand bag has a detachable clutch that can be used on its own or attached to the interior of the purse.

Louis Vuitton’s Hardware

The hardware used for Louis Vuitton bags is usually in brass, golden brass or silvery metal. There is a school of thought that Louis Vuitton hardware doesn’t chip, tarnish, or wear off. Unfortunately, this is an urban myth and isn’t true. Most of the hardware used today is plated metal but it does tarnish.

Louis Vuitton Zipper Pull

The zipper pull on genuine Louis Vuitton bags will have a clear lv stamp on the pull. All Louis Vuitton bags manufactured since 1991 have golden brass zipper hardware with the LV logo. Prior to 1991 zippers were Swiss-made, Eclair, or made by other companies. The top pull will have deeper embossing than the bottom pull.

Louis Vuitton zipper pulls do tarnish and they may need to be replaced. Louis Vuitton will replace the zipper pulls and will be done on site free of charge. If the whole zipper needs to be replaced the bag will need to be left while the repair is made.

Louis Vuitton Handles

Vachetta leather is used for Louis Vuitton bag handles. The latter is a natural toned cowhide that transforms into a rich honey color as the purse ages. Air contributes to the change in color. The handles have an even layer of glazing applied. The leather handles with some darkening indicate a real Louis Vuitton bag with real handles. The authentic Louis Vuitton Alma has five stitches across each of the tabs that secure the handles. The tabs do not have any back and forth or zig zag stitching, and the perfection of the stitching is exquisite

Louis Vuitton Bag Stitching

Unique to the Louis Vuitton bag is that the stitching count never changes. The number of stitches is matched to the location of the stitches. Like explained in the above paragraph, the leather handles on the Alma is exactly five, no more – no less. The stitches are mustard yellow in color.

Classic bags have stitching, the was made with white thread made from linen, dyed yellow and reinforced with beeswax.

Louis Vuitton Bags

In 1859, Louis Vuitton started a journey to becoming a company recognized within the fashion world. By 1925, a dome-shaped designer purse was designed for personal use. The purse was in high demand, and today many women carry genuine Louis Vuitton purses.

Reaching a younger generation with a need for trendy sophisticated style, Louis Vuitton offered limited edition luxury handbags, which quenched the appetites of the customers.

LV bags are available directly through their official website louisvuitton.com and a high-end department store like Saks, Nordstrom, Neiman Marcus, and Bloomingdale. Louis Vuitton does not discount their purses. In fact, Luis Vuitton burns unsold pieces to protect their rare and desired products.

Unsold LV bags

Authentic Louis Vuitton bags that are not sold are part of the products disposed of. Another reason Louis Vuitton engages in an end of the year burn is because of the “duty drawback” law. The law states that if a product is imported into the US after paying a duty on it, it is destroyed after customer notification and the duty is paid back to the company.

LV bags are expensive, and the duty is about 15-25%. By burning the unsold purses, the company makes up some of their loss by getting the duty back.

Where to Buy a Louis Vuitton Handbag

A real Louis Vuitton handbag can be expensive. They are an exclusive brand that continues to attract customers who want to buy one for their own personal use or add to their Louis Vuitton collection. Vintage Louis Vuitton bags and modern LV handbags in style for 2022 with a dust bag and an authenticity card will both demand a high price.

There are online stores that sell gently used Louis Vuitton bags at a reduced price. The bags are mailed to you after they are paid for. A drawback is the authenticity process used for these bags. Nothing would be worse than paying the price for a gently used bag to find out it is one of the many counterfeit bags on the market today.

Visiting a trusted pawn shop may create an option for you to get an authentic bag and save money in the process. Pawn shops buy, sell, and loan against luxury items. This includes luxury handbags. Louis Vuitton bags are often brought into the shops with their dust bags and receipts to secure quick cash. Depending on the situation, they are then placed on the retail floor for sale or listed on the pawn shops’ online store.

Pawn shops must authenticate the bags they take in, because if they wrote a loan on fake Louis Vuitton bags, they would lose money and customers.

R & J Jewelry and Loan

If you are looking for a specific bag, a Louis Vuitton bag made in France, or one of the many beautiful Monogram bags, check R & J Jewelry and Loan. The shop specializes in luxury bags and authenticates the bags that come into their shop.

R & J Jewelry and Loan is a family owned pawn shop providing an alternative financial option to the community since 1978. They have built a reputation on personalized services and huge jewelry selections. They provide a range of prices on all jewelry items, providing customers with the opportunity to save money.

R & J Jewelry and Loan has a large selection of luxury handbags for you to purchase to gather your items together for your on the go lifestyle.

When money is tight, it can be difficult to know where to turn for help, but the answer could be sitting right in your own closet. Your luxury handbags and accessories can be used as collateral for pawn loans at R & J Jewelry & Loan pawn shop. We offer pawn loans in San Jose, CA that allow you to borrow against your luxury items and receive a low-interest cash loan with a four-month repayment plan.