Ever since childhood, I’ve been a musical person. At the age of seven, I started taking piano lessons. When I was a teenager, I began singing solos at community events. Not surprisingly, I adore wind chimes. Every time the wind blows, these beautiful music makers spring into action. Their soothing, melodious, and high pitched sound calms and refreshes me. I am amazed at the amount of eclectic wind chimes available for sale at various retailers. One can enjoy the music of pig, cat, or even seashell themed wind chimes. If you know someone who enjoys natural harmonies, wind chimes make a perfect gift. On this blog, you will discover how to buy the right set of wind chimes for your loved one. Enjoy!
If you are short on cash, and you don't have great credit to get a traditional loan, you may want to consider getting a pawn loan. You can take a valuable item, like a piece of jewelry to get a loan. The cost of gold and silver is always fluctuating, but the jewelry that you have with stones should be worth enough for a small loan.
What is the Piece Worth to You?
Is the item worth putting up for risk? If there is a chance that you can't pay back the money that you borrow, are you going to be upset not having it back? These are important questions to ask yourself, because they will hold onto the item until you have paid in full.
What is the Interest Rate?
If there is more than one pawn shop in your area, you want to call around to find out what locations offer the best interest rate. You will pay the loan back monthly, or how you set up the terms, and the longer you have to pay, the more money you pay in interest. Find a pawn shop that has an interest rate you can afford.
What Can You Afford to Pay?
Look at your monthly expenses and see what you can afford to pay. Make sure that you are honest with the pawn shop about what you make, and what you can realistically afford to pay them back. If it's easiest for you to pay weekly or bi-weekly instead of monthly, explain that to them. If you work a job where you earn tips, you may want to ask if you can come in and pay before your payment is due, so you don't spend the money elsewhere.
Have the Jewelry Appraised
It shouldn't cost anything to go into a jewelry store and have your jewelry appraised. They will tell you what the piece is worth. What it's worth and what the pawn shop could sell it for are different things, but you want to know before you pawn it what the value is. This may affect if you want to risk losing it.
If you have to get money to pay a bill coming up, or for repairs, take your jewelry into a pawn shop and see what you can borrow. If you can't borrow a lot and they will give you more to purchase the item outright, you may want to do that instead.