Loans – Page 7 – R & J Jewelry & Loan

It’s Shopping Time – Where Are Quality Luxury Pre Owned Watches?

17 Oct 2022
R&J
Audemars Piguet, Fine Watches, Hublot, IWC, Loans, Luxury Watches, Patek Philippe, Pawn, Richard Mille, Rolex, Vacheron Constantin
Comments Off on It’s Shopping Time – Where Are Quality Luxury Pre Owned Watches?

Have you been searching for a dream watch? A Rolex, an IWC, a Patek Philippe, an Audemars Piguet, an Omega watch, a Cartier watch, one of the Panerai watches, a Breitling, a limited edition luxury watch, a chronograph watch, or one of the other top brands?

Owning one of the luxury timepieces creates a feeling of awe, knowing you own a watch crafted with superior standards and premium materials, made by one of the Swiss trained watchmakers, or by a company considered a luxury watch brand.

Giving a special someone the gift of a luxury watch is as invigorating. The holidays are fast approaching, and it is time to start looking for those luxury gifts at an affordable price.

Shopping for pre owned luxury watches has its pros and cons.

Pre-owned watches are a great way to add to someone’s or your own watch collection, or to give as a gift. Before the purchase, you want to consider the pros and cons of buying pre-owned.

Pros of a purchasing Pre-Owned Watch

First, pre-owned luxury watches are considerably cheaper than new luxury watches. Some pre-owned watches will cost half the cost of a new model.

Second, sometimes finding a new luxury watch or a new limited edition watch is difficult. Buying pre-owned will open up various available luxury watches. There is a large secondary market for buying and selling watches. There is a large market for used vs. new watches.

Third, pre-owned watch models are popular and stylish. A pre-owned Rolex taken care of and in good condition fits the bill of a dream watch. Watches are difficult to keep in new condition. Just wearing a watch a few times will result in a scratch, which means the value is now dropped. Finding a pre owned watch is easier than finding a new one, and shopping online or at a pawn shop is a great way to discover what is available.

Fourth, luxury watches are durable, and a pre-owned watch has the potential to have many years of keeping time.

Fifth, some pre-owned timepieces are iconic and have intricate complications not found in new watches. Luxury watches don’t diminish in style or the craftsmanship they stand for. Owning and wearing pre owned iconic timepieces will create a feeling of confidence.

Cons of purchasing a Pre-Owned Watch

First, some pre-owned luxury watches show scratches or obvious signs of wear. Most pre-owned luxury watches have scratches or small dents. The wear lowers their value and makes them affordable, but may be unappealing to the purchaser. Buying brand new with no blemishes comes at a price.

Second, pre-owned luxury watches may need servicing. A new watch needs very little servicing, because it hasn’t been used. The internal moving parts on a pre owned Rolex or other watch have been used often, and this means the watch may need to be serviced.

Third, pre-owned watches, depending on how they were cared for and how old they are, may be less reliable than a new luxury watch. Since pre owned watches have been worn, they may be less reliable and have accuracy problems. They have the potential to “break down” sooner than a new watch.

Fourth, most of the time, a pre-owned watch no longer has a manufacturer’s warranty. Most luxury watches when purchased new have a warranty. Warranties are important for watches as a protection against defects. Buying pre owned doesn’t guarantee a warranty.

Authentication

When you buy a pre owned watch from an online store, individual, off the Marketplace, from eBay, or from a pawn shop, ensure the seller knows the authenticity of the watch. Nothing would be more disappointing than spending the money on a watch, even if it is on sale or at an affordable retail price, to later discover it is fake. This would be particularly true if you were giving the watch as a gift.

Prices set too low may indicate the watch is not a genuine luxury watch brand. It is the buyers responsibility to understand what they are buying. When you buy from an individual, it may be difficult to tell if the watch is authentic, unless you know enough about the watch brand to ask the right questions or look for the tell tale signs of a luxury watch.

Some collectors find buying online safe and appreciate the efforts made to authenticate watches before the watch goes into inventory.

Pawn shops have a team of experts who will take the time to ensure that each Patek Philippe, Rolex, Cartier, Omega watch or other name brand watches they bring into their stores are authentic. It would be poor business to sell fake watches, and customers wouldn’t return. If they did a pawn loan using the watch as collateral, it wouldn’t be financially smart to loan a large amount of money on a fake watch. So they make sure what they bring in and sell is authentic.

R&J Jewelry and Loan

Since 1978, R&J Jewelry and Loan has provided personalized services to the residents of San Jose, CA. They have a large jewelry selection and affordable prices. If you need to sell or pawn a luxury item, like a luxury watch, designer purse, gold or fine jewelry, diamonds, or other items, they make fair and reasonable offers.

R&J Jewelry and Loan are watch enthusiasts. They know watches. They believe a watch is more than just an instrument for telling time. It says something about its owner without saying a word. Some people consider their watch a piece of art, a way to express themselves and represent their place in society. Others simply need a way to know what time it is, and prefer a rugged utility piece.

They understand that giving a luxury watch as a gift for the holidays is an incredibly genuine gesture. Whoever you are and whatever your needs, they are available to help. If you are looking to pawn or sell your watch, they can help.

Can You Find Diamonds At Pawn Shops?

19 Sep 2022
R&J
Diamonds, Jewelry, Loans, Pawn
Comments Off on Can You Find Diamonds At Pawn Shops?

Have You Considered Shopping At A Pawn Shop?

Pawn shops often have many new and gently worn fine jewelry items for sale. This includes diamond jewelry and loose diamonds. Pawn shops have engagement rings, wedding rings, diamond rings, and high end jewelry at a lower price than shopping at a jewelry store.

Pawn shops might accept jewelry as collateral for a short-term loan, or purchase the item outright, and then decide to sell it as part of their inventory. A pawn shop who offers a short-term loan for Blue Nile Diamond may then need to sell the diamond for the best deal, because the borrower decided not to pay off the loan. If the loan defaults, the collateral item is retained and placed on the sales floor to recuperate costs associated with the original loan.

Authentication and Testing Ensures the Perfect Diamond Ring

Pawnshops have authentication and valuation tools necessary to ensure that the value of the jewelry item, like a diamond they bring in, is genuine. Pawnshops would have difficulty staying in business if they bought and loaned against items that weren’t appraised correctly. An accurate appraisal before an exchange is made is good business.

As with most gems, a larger diamond will cost more and have a greater value. If you are looking for an engagement ring with a large diamond, a local pawn shop may have exactly what you are looking for. Or have a large loose diamond you can have designed into a wedding ring for a good deal.

Diamonds, diamond engagement rings, wedding rings with diamonds, and other diamond jewelry

Diamonds are appraised according to the 4c, cut, clarity, carat, and color

Diamond Color Actually Means Lack of Color

A diamond with no color, like a drop of water, is valued higher than a diamond with some color. All diamonds are evaluated, from D (diamonds with no color) to Z (diamond with color). A diamond expert, under controlled lighting, compares the diamond to “master-stones” to determine the absence of color, and gives the diamond a rating.

2. Diamond Clarity

Diamond Clarity refers to the absence of “inclusions” (substances, spots, etc. included in the structure of the diamond) and “blemishes” (external characteristics).

Diamonds are created under pressure and heat, and therefore have both inside and external characteristics that need to be evaluated by size, nature, position, and relief. How do they affect the appearance of the diamond?

The purer a diamond is, the better the Clarity.

Clarity is appraised after looking at the diamond under powerful magnification, and then determining what inside characteristics it has (inclusions) and the following ratings are given:

• Slightly Included (SI1 and SI2) Inclusions are noticeable under 10x magnification

• Included (I1, I2, and I3) Inclusions are obvious under 10x magnification, which may affect transparency and brilliance.

Then a Diamond Clarity Scale is used to give the diamond an overall clarity rating.

3. Understanding Diamond Cuts

Knowing how your diamond is cut is essential in knowing your diamond and its value and ability to transmit light and sparkle.

There are diamonds cut round, heart-shaped, oval, marquise, and pear. A skilled gem cutter will know exactly how to cut a diamond, so it interacts with the light to enhance its beauty and value. The way a diamond is cut will affect its brightness, fire, and scintillation.

Brightness: Internal and external white light reflected from a diamond.
Fire: The scattering of white light into all the colors of the rainbow.
Scintillation: The amount of sparkle a diamond produces, and the pattern of light and dark areas caused by reflections within the diamond.

4. Carat weight

By using 200 milligrams as a “carat”, the weight of your diamond can be given within a hundredth decimal place.

Larger diamonds are rarer, and thus more valuable and desirable. Remember that the value of a diamond is not only its weight, but also its color, clarity, and cut.

A Diamond symbolizes something.

An engagement, the birth of a child, the generational love shared in a family, or maybe the pride felt at college graduation. A diamond represents an event, something special in the heart of the giver and receiver. With each sparkle, cut, and detail, a diamond tells a story, and the woman wearing the diamond is in as much love with the story behind the diamond as the diamond itself.

A Diamond is beautiful, sparkly, and has more detail than the naked eye can see.

There is no other piece of the precious gem that presents itself entirely as a diamond. Even if it is a perfect stone, no other gemstone carries itself like a diamond. Something is mesmerizing about the sparkle of a diamond that says it withstood the pressure of time, is hardy, and will remain forever.

A Diamond represents a woman’s personality.

Women need big diamonds.

The diamond shape, diamond color, diamond cut, and diamond setting make a statement about the wearer, and what that person stands for. A diamond can be made into any jewelry. They can be used in earrings, engagement rings, everyday diamond rings, diamond tennis bracelets, and diamond pendants, each making a statement about the wearer. A diamond can vary in size, shape, color, cut, and clarity, giving options in style and setting and in what they want.

A Diamond is the best, and the giver gave the best.

Diamonds are forever, and the story around the diamond lasts a lifetime. Grandmothers will pass down diamond jewelry like an engagement ring and tell stories about how the diamond came to be, and why the diamond’s size nicely presented in a round cut was given to her.

Like most couples, diamond engagement rings come with a story and a sense of awe behind the storyteller’s eyes. Grandmothers will tell stories about how the diamond ring was purchased and what jeweler it came from. She will tell tales of how she and Grandpa couldn’t decide which ring to get because a larger diamond was available, but she just wanted the one she got. A diamond is a gemstone with a story, the best story.

A Diamond is unique.

Each diamond was formed under pressure over time, and each diamond is unique. Diamonds are valued on the 4cs, clarity, cut, carat, and color. A diamond has a clarity factor, which can be affected by inclusions and minor flaws within the diamond. A diamond has a crystal clear color to yellow or other shades. The more absence of color, the higher the grade. A diamond has a cut, and how it is cut reflects the sparkle of the diamond and how the diamond makes a statement. A diamond has a size or carat weight. The bigger the diamond, the more money it costs. Each diamond is unique and not like another.

A Diamond gives a sense of confidence.

Maybe the diamond itself doesn’t build confidence, but the woman wearing it will say they feel pretty. Wearing a diamond is the ultimate fashion statement, and wearing a diamond boosts the ego and spirit of the wearer.

Shopping at a Pawn Shop

If you are shopping for a diamond ring from a pawn shop, you have made a great decision. Pawn shops have been in business for over 3000 years. They were once viewed as sleazy, dark places that engaged in illegal business.

Pawn shops have a business model that meets their state’s regulations. Before they can buy jewelry, buy, sell or pawning luxury items, or provide a financial alternative for customers, they must have a plan to meet their state’s laws.

When they open and engage in business, they must keep a legitimate record of all transactions. As part of the business model, they provide customers with a pawn ticket and require a state issued ID.

To reassure yourself about your local pawn shop, read online reviews about the shop. Talk with a knowledgeable friend about the shop if they have done business with the shop before.

R&J Jewelry and Loan, Your Pawn Shop in San Jose, CA

R&J Jewelry and Loan is a family owned and operated pawn shop since 1978. They have built their reputation on personalized services and their extensive jewelry selection in various price ranges.

Licensed in the State of California and part of CAPA (California Pawnbrokers Association), they are a highly reputable pawn shop.

As diamond buyers, they buy diamonds and pay higher prices for GIA (Gemological Institute of America) and EGL Certified Stones. Paying top dollar for 1ct. and larger. They have GIA trained gemologists to properly evaluate your diamond to ensure you are getting a fair offer.

Most jewelry stores mark up their prices. The prices at R&J Jewelry and Loan are based on market price and affordable. There is always a good deal at the shop.

If you need quick cash, it is a good idea to visit the store and see what offer they will make on your gold, diamond, and luxury items. They can help you get quick money.

R&J Jewlery and Loan strives to set themselves apart from other pawn shops by offering real money for your personal items. Fair and reasonable offers are how they do business. At R & J Jewelry & Loan, they will buy your items or give you a cash loan to get you through the rough times.

Midi Rings As Part of Pawn Shops Jewelry and Other Items At Affordable Prices

05 Sep 2022
R&J
Bullion / Coin, Diamonds, Fine Watches, Gold, Jewelry, Loans, Pawn
Comments Off on Midi Rings As Part of Pawn Shops Jewelry and Other Items At Affordable Prices

Luxury gold jewelry on set holders and in jewelry box on light dressing table and wardrobe shelves

Fashion rings are the essential part of every jewelry box. They can uplift any outfit. From small dainty stackable bands to luxurious gemstone rings, there are endless choices.

Fashion Rings

People have been wearing rings for over 5,000 years. Traditionally, engagement and wedding rings were worn and seen as symbols of Egyptian wedding traditions. Rings were made from reeds and leather.

Not every ring is made the same. Some rings have symbolic significance, and others are worn strictly as a decorative piece.

Fashion rings are called Midi rings, and they are worn for fashion purposes. They don’t have a purpose, like an engagement ring or wedding ring. They don’t have a special meaning. They are worn to express personal style and add finishing touches to any outfit.

The midi rings or fashion rings are beautiful and look amazing on the hand. A whole outfit can achieve a vogue like look.

Fashion rings can be bold and beautiful, or discreet and feminine.

Small Minimalist Rings

Errands, trips to the doctor, visiting the bank may require a casual fun outfit. Some people wear casual outfits everyday. You may want to take your everyday outfit and spruce it up and make it your own style so you stand out in a crowd.

Minimalist rings include thin bands or small dainty rings made of gold or silver. These small fine rings add a sleek, polished modern touch to your outfit.

Small yellow, white or rose gold rings can be worn with everyday outfits. White gold offers a fresh stylish look, and yellow gold a bold classic look.

There are bands that are made to stack on top of each other. You can separate them and wear them for a minimalist look. Stackable bands are in fashion right now. They add to your personal style by creating different unique combinations. You can wear them on separate fingers or stacked on one.

To create an interesting effect, mix different widths, metals, and gemstones.

Bold Statement Rings

Bold yellow gold, white gold, and rose gold rings make a statement. Big rings are pieces of jewelry that stand out.

Bold statement rings can be plan rings or rings with large gemstone centerpieces. These rings worn with high quality watches say it all.

Bold fashion rings are conversation pieces. They are sleek in design.

Gemstone Fashion Rings

A pop of color is achieved by adding a gemstone or crystal ring. The ring will accent your outfit by jazzing it up from a monotone look to a “hello” stylish look. Money spent on quality gem stone rings is worth the investment.

There are Many Things Found In A Pawn Shop for at Affordable Prices

Pawn shops have been around for thousands of year. They have affordable prices, and have a huge selection of brand name electronics, gold jewelry, precious metals, silver coins, gold bullion, smart TVs, estate jewelry, diamonds, musical instruments in good condition, gaming consoles, computers, and some pawn shops carry tools, and other luxury items like designer purses, and luxury watches.

Communities have pawn shops that provide much-needed services in their community. They buy, sell, trade, and write short-term collateral loans, which provide an alternative financial option for customers. Short term pawn loans provide quick cash, and buying pre owned items helps provide affordable merchandise to those looking to buy with confidence.

Some pawn shops also have layaway programs, so customers can set aside things they want to buy through affordable payment options for special occasions. Because pawn shops can pay the highest dollar for items people sell, they draw in quality products and even some new items.

Some pawn shops have online shops that help customers and a first time buyer ease into shopping at a pawn shop from the comfort of their home. The shops have online payments, and stores may ship or have same-day pickup options at their stores.

Pawn shops will appraise and authenticate luxury items, so the loan amount offer is based on genuine item market prices, and the store can make merchandise that is real priced at affordable prices.

Opt In Programs – A Way to Subscribe

Pawn shops may have opt in programs that help you get placed on a niche list, so you find out first when brands you want are added to their retail store fronts. Depending on the location, opt in programs are like a subscription, so when you want to purchase something like a diamond, you know before general prices. These subscription programs may also offer sale prices, a “today’s low prices” option, or a discount off their regular retail prices.

R&J Jewelry and Loan

R&J Jewelry and Loan is a family owned and operated pawn shop in business since 1978. They built their reputation on personalized services and their extensive jewelry selection in various price ranges. They have beautiful gold fashion jewelry, and dainty gold jewelry and rings for stacking.

When you are trying to decide what type of fashion rings you want to purchase, consider making your purchases from a store with an online store listed on their website. Their website has a frequently asked question section to answer any questions you have about loans, selling, or buying from a pawn shop.

When considering making a jewelry purchase, like a gold pair of earings, a gemstone pendant, high quality watches like Rolex, or other merchandise, consider R&J Jewelry and Loan.

Pawn loans are something that R&J Jewelry and Loan offers. They offer real money for valuable personal items. Short term pawn loans provide a financial option to get quick cash by using valuable items as collateral for the loan amount. Once the loan amount is paid back, the item will be returned. Getting a pawn loan is an option, instead of getting cash advances from your employer or family friend.

R&J Jewlery and Loan wants you to know that “all our merchandise is below regular retail prices.”