text: What You Should Know About Pawn Shops | Pawn Shop San Francisco
  In life, visiting a pawn shop benefits many people who are in need of some quick money but do not have access to traditional lines of credit. What a pawn shop allows you to do is to use a possession that you have as collateral to get a short time interest loan. But be careful ñ if you are unable to pay back the loan in the specified time, you will lose your valuable item. This is how pawn shop owners earn their money ñ even if you think you will be able to pay back the loan in time, unexpected expenses or disasters like losing your job can result in not being able to pay back the loan. So, you should be careful when using pawn shops, despite all the pawn shop benefits that are out there.
  One time when I was down on my luck I used a pawn shop to cover my rent one month when I was between jobs. I was starting a new job soon but I needed money until the paycheck came through. I pawned my TV to cover the rest of the rent money for the month that I needed, because I was certain that I would be able to pay it back and get my TV back with the paychecks from my new job that I was starting. As I quickly learned, without a TV in the house, there is not much to do. I took to hanging around on street corners and talking to the fellows that are out there ñ they are really nice people once you get to know them.
  However, it turns out that standing around on street corners can make you a suspicious target to the local police. Within a couple days I got arrested in conjunction with a drug dealing case ñ they thought I was involved in the logistics of the dealer organization. Of course I was not, and the case was over quickly, but the issue was that it happened the day before I was due to start my new job. Since I couldn't start when they needed me to, my job offer was sadly rescinded. I also could not meet bail so I could not look for another job. As a result, the dead line that I needed to meet to get my TV back came and went, and I lost it. It was quite sad, since the money I got for it was much less than what I had paid for the TV just six months ago. But that is the way life goes sometimes.
  In any case, don't think less of the pawn shop benefits just because of my one bad experience. It is really a great way to get good money for rent quickly especially if you have things that pawn shop owners will give you a lot of money for, like gold and jewelry or anything highly collectible like guitars and rare musical instruments. Usually, you will not get very much for TVs or cellphones or any of these modern technology gadgets, and the reason for this is that these items do not fetch a very high price used, because technology and gadget models can advance so fast.
  Another type of thing that pawn shops will give very big loans for is rare coins, because the value of these items only increases over time. Some pawn shops will give big amounts of money for other types of collectible like rare figurines or statues or rare baseball cards, but whether or not a pawn shop will accept this type of thing can depend on the expertise of the pawn shop owner and his employees.
  Different pawn shops may specialize in appraising and accepting different types of thing, and as a result it is usually a good idea to go around to several pawn shops to figure out what is the best price you can get for the item you are trying to get a loan for. Another thing that you can do to get an idea of the true value of your item is to see how much your item sells for on sites like ebay and cragislist, because the pawn value of your item will usually be some reliable fraction of this price depending on pawn shop prices in your local area.
  Another option that is available to you is to post pictures of your item on the internet in appraisal forums and ask the experts there how much they think your item is worth. There are even special forums for pawn shop owners to discuss the proper prices for items, which might just be the best place of all to get an idea of what the true value of your item is. You can use these kinds of forums or specialized forums for your specific type of item. The main benefit of doing this procedure is that you will have a ball park idea of how much your item is worth so that you do not get ripped off or cheated.
  So with all this in mind, be cautious in taking advantage of the services that pawn shops can provide, but remember that they can be an easy source of quick cash to make payments that you have to make immediately. If you manage your money carefully and have a steady income, you should be fine.
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