Wishing You All a Happy 4th of July!

Many people spend Independence Day watching fireworks and lighting up some sparklers. Some people do not know that there are actually many metals in those fireworks and sparklers, and are mined before they become explosions of color. They include: Mineral elements, like gold, titanium, zirconium, magnesium, strontium, copper, and barium, which produce the beautiful colors we see.

For over 25 years Gems N' Loans has been lighting up your eyes with shiny diamonds and gold. For this reason, we want to thank all of our customers through the years and wish them all a Happy 4th of July!

Warmest regards,


Gems N' Loans

Jewelers in Oceanside Offer 50% OFF Rubies

Rubies are a valuable addition to the gemstone industry. For centuries, rubies have been at the forefront of luxury and high end. To know what sets this stone apart from other prized gemstones is its inherent beauty. However, there's more to rubies than just a beautiful face. The Ruby is July's birthstone. 

Gems N' Loans Oceanside not only offer custom jewelry design and top dollar when buy and selling, the change their stone of the month sale regular. Just happens that this month it is Ruby gems for fifty percent OFF.

A little trivia, Rubies symbolize power and protection. For example, when worn as a talisman, rubies are believed to help protect warriors in battle. This is probably why Dorothy in The Wizard of Oz, wore ruby slippers to protect her from evil. 

Always remember that high-quality rubies that weigh over 10 carats can sell for much more than a similar sized diamond. They have been know to earn prices upwards of $225,000 per carat. Comparably sized diamonds average a sales price around $125,000 per carat. Rubies of this size are significantly more rare than larger sized diamonds, which explains the difference in price.

How to Buy Gold and Silver in Oceanside

When buying gold and silver in Oceanside, there are certain facile to consider. Often the question is raised on what are the best precious metals to buy. Our answer is that it depends on the individual preferences and needs of the customer.

The two most common places where you can purchase precious metals are from an online dealers or a local coin and pawn shops. Local pawnbrokers like Gems N' Loans have been around almost as long as money has. They evolved from collateral lending establishments offering buying and selling. 

Among the major decisions that a person will encounter during the initial investment process is whether to purchase actual physical metals versus “paper” metal, but before they can make this decision, it is important to understand what these terms mean and how each one operates. 

In principal, making a purchase from these establishments is trust worthy. You browse their selection until you find some merchandise that appeals to you and then you pay for your purchase. However, there are significant differences between the practices of these stores that can greatly affect both the shopping and the overall customer experience.

Learn more here!

Payday Loans Verses Collateral Loans Oceanside

Payday loans are short term, usually a couple of weeks. Most often available through payday lenders operating out of storefronts, as well as online. They are convenient for people who need fast cash. The expedience of this type of borrowing can be completed in a matter of minutes. However, these lenders will verify your income and a bank checking account to determine your ability to repay. By obtaining your banks routing and account number, they are able to simply deduct the money from your account at the final of the terms. This has been known to put people who are unable to pay on time in the rears.

An alternative would be a collateral loan form a pawnbroker. Unlike the latter, a pawn advance can be a quick way to borrow money since it doesn’t involve a credit check or application process. Your cash in hand is based on the value of the item you pawn. For example, if you own a brand guitar, you may bring it to a pawn shop so that a pawn broker can figure out its value, therefore giving you a loan for the amount of the appraised value of the guitar.

Learn more here!

How Do Gold And Silver Rate in Oceanside

Relatively speaking, gold is a safe asset which traditionally does well in times of political uncertainty, and remains a valuable potential investment. However, gold prices have largely struggled recently as the market has had to readjust its expectations of Federal Reserve policies and. According to a J.P. Morgan Research team, the Fed hiked its benchmark interest rate inevitably, including the anticipation for economic growth this year and next. Many could for see the central bank raising the fed funds rate to a range between 2% and 2.25%.

Gold can be sensitive to higher interest rates due to a rise in rates that tend to boost the dollars value, therefore, making gold more expensive for buyers with other currencies. However, higher rates also lift U.S. bond yields, discouraging the attraction of non-yielding gold. The dollar had a rough 2017, falling almost 10% against a myriad of major currencies. For this reason, many analysts have predicted a continued decline for the dollar.

In times of uncertainty, Gems N' Loans in Oceanside, has been offering fair trade value on sales of gold bars and silver coins. These precious metals are the perfect asset during times of economic crisis or potential crash. Never hesitate to start or expand on your financial portfolio.

Payday Loans Don't Grow on Trees

When people refer to money growing on trees, it means that money is something that must be earned and that it is not easy to acquire, even through a payday advance. Why? Well, for starters these types of loans are available if you have bad credit and an emergency expense is presented to you.These could be viable short term solutions for financial problems. However, you end up repaying a percentage of the loan each month, while interest accrues according to an annual percentage rate. With credit cards, this APR is typically under 20 percent. A payday loan, on the other hand, comes with interest that averages to 300% when calculated as APR.

Another safer alternative theta is realistic and won't create a revolving door of debt is a pawnshop. These types of collateral loans can appeal to consumers who can’t qualify for a conventional loans also. They may cost less than the penalty for being late with other types of loan terms. There isn't any legal requirement to repay, therefore, your credit scores won’t suffer if you don’t repay the loan, and you only risk losing the article of value you exchanged as collateral.

Learn more about pawn loans here!

Oceanside's Best Check Cashing Pay-day Alternative

Are payday loans an expensive trap? Will I be robbing Peter to pay Paul? In other words trying not to make a desperate move to fix a financial problem, something that often makes it worse.

Payday loans are essentially an advance against your next paycheck. You give the payday lender your pay stub as proof of income and tell them how much you want to borrow. They will then give you a loan for that amount, where you are expected to repay when receiving your next paycheck.

A great advantage of a pawn shop loan is that it is easy. You are simply going to have to take something in that you can use for collateral and fill out some paperwork. The pawn broker is then going to give you a receipt that has the terms of the loan on it.

Another positive factor is that Gems N' Loans Oceanside  are not going to check your credit. This is a type of in house loan that does not depend on your credit history.

The loan is secured completely by the collateral that you provide to the pawn shop. Therefore, the lender is not really concerned with whether you default on the loan or not.
 

Pawnbrokers Report Increase in Retail Sales but Eye Online Competition

The NPA announced today the results of the NPA 2017 Trend Survey. The survey, which was conducted in early 2018, focuses on industry trends as reported by pawnbroker members of the NPA for the 2017 calendar year. The NPA has compiled survey results since 2013 to explore long range trends and their implications.

Pawnshops are always trying to innovate and keep up with current trends. With retail growth is on the up, pawnbrokers are cautious of the future due to the success and rapid proliferation of competing online retail operations, such as Amazon, Google Ads, Facebook Marketplace, and eBay. 

Collateral pawn loans are the core of a pawnbroker’s business,and continue to successfully offer a platform from where borrowers can visit a brick and mortar location for a one on one experience. Gems N' Loans in southern California offers locations to the North County San Diego, Temecula and Orange County.

Before You Take a Payday Loan in Oceanside Read This

When looking for fast cash, a pawn loan is a secured loan, meaning you put up an item of value as collateral for the loan. for example, items like jewelry or electronics would suffice as collateral of value. The amount of the loan will vary based on state regulations and the collateral you pawn of course.

Ultimately, the loan that you are approved for will be a percentage of the item’s value after the lender accounts for storage, security and other costs. Repayment terms are typically from 30 days to a couple of months. If you default on the loan, you risk the item being sold to cover the balance. However, some pawn shops offer extensions in order to help the borrower in these cases where they might be running late.

A payday loan is a short-term, high-interest loan, generally for $500 or less, that’s designed to bridge the gap between paychecks. The quick cash infusion is nice, but when you apply for a payday loan, you may wind up getting more than you bargained for.

As the Consumer Financial Protection Bureau notes on its site, these loans are typically for small amounts but give lenders access to your checking account or require you to write a check for the full balance in advance, which the lender can deposit when the loan comes due. Also keep in mind that the payday loans carry sensationally high interest rates, with some costing as much as 400%.

Learn more about collateral loans here!

The Best Bargains at Oceanside Gems N' Loans

How to Maintain Composure During Black Friday

First thing to do is decide how much you can afford to spend on the holiday season. Figure out your must haves, like gifts or household purchases you've been saving up for. Calculate the maximum amount you absolutely can't go over. Don't forget to account for holiday incidentals like office parties and micro beers!

Braving the crowds to get an exclusive deal? Black Friday shopping in store can be a test of anyone's patience. While crowds might not reach mythical levels, you can still expect longer wait times. However, only stores in highly populated areas will host huge crowds. Gems N' Loans may only have a rush when stores open.

Pawn shopping in Oceanside can be an exciting experience in itself. We offer a variety of jewelry, gold, and personal loans to suit your financial needs. Our company has been serving North County San Diego & Riverside County for over 23 years in this capacity. We offer customer service like no other shops around.

Join Us Here!

 

Pawn Shops in Oceanside and Their Gems

Birth of a Stone Oceanside

Experts believe that birthstones can be traced back to the Bible. In Exodus 28, Moses sets forth directions for making special garments for Aaron, the High Priest of the Hebrews. Specifically, the breastplate was to contain twelve precious gemstones, representing the twelve tribes of Israel.


Later, these twelve stones were likely also linked to the twelve signs of the zodiac. Eventually, they also became associated with the twelve months of the calendar year.

The month of October brings the birthstones of Opal & Tourmaline. Seductive stones, associated with passion & desire. The Common Opal is characterized by its translucence and its palette of colors that include red, green, blue, and orange. It’s also known for its dendritic inclusions. Opal is a delicate stone with fine but vibrant energies.

Tourmaline has been said to be a stone of reconciliation, a stone that fosters compassion and cool headedness, radiates the energy that attracts money, healing and friendship, and is used for grounding purposes, to stabilize, and reaffirm our Earth roots. It also creates a commitment towards the completion of one’s goals and is said to protect the wearer against dangers.

Learn more at Gems N 'Loans in Oceanside

Searching For Bargains in Oceanside?

Gems N' Loans Oceanside Announces 50% OFF Rubies!

“There’s no place like home.”, whispered Dorothy, as she clicked her ruby slippers three times and was magically whisked away to the comfort of her Kansas farmhouse. There are jewelers in Vista that carry rubies. Oceanside pawnshops like ours offer many surprises!

A ruby is a pink to blood-red colored gemstone, a variety of the mineral corundum (aluminum oxide). Other varieties of gem-quality corundum are called sapphires. Ruby is one of the traditional cardinal gems, together with amethyst, sapphire, emerald, and diamond. The word ruby comes from ruber, Latin for red. The color of a ruby is due to the element chromium.

Gems N' Loans | Pawnshops and Jewelers

We Honor Our Fallen Soldiers

Gems N' Loans in Oceanside is a local jeweler and pawnshop, that offers military discounts and fantastic job opportunities for military personnel transitioning into the civilian job market.  If you are you looking for your dream job? No need to look any further. Join our team of happy talented people that do interesting work. We are a 22 year old multimillion dollar, A+ rated company that is OWNED & OPERATED BY OUR EMPLOYEES. Our employees have the opportunity to become owners of a chain of highly successful PAWN SHOPS that have dominated the entire market for over 20 years, all this with no money out of the employee pockets.

Oceanside Fine Jewelers by Design

15 Things Your Competitors Know About The Jewelers in Oceanside

Regardless of whether you pick one of our wonderful planner pieces or make a custom ring, Gems N’ Loans fine jewelry can make your fantasies reality. We utilize a best in class custom program to make the ideal piece of gems on the fly directly before you. We can utilize your stones or supply them to transform your gems into a fresh out of the the box new piece. All work is done in-house with you being a part of the design process. GNL jewelry dealers take pride in an extensive determination of the finest quality adornments offered at the most ideal qualities. 

You will locate the most recent styles of adornments from creators, for example, Forevermark, Verragio, Simon G, Pandora, Scott Kay, Officina Bernardi, ALOR, Mi Moneda, FourKeeps, Ti Sento Milano, Colore SG, LaFonn, True Romance, Lieberfarb, Elma-Gil, Cherie Dori, Victor Morgan, Galatea Jewelry by design, Add-A-Pearl, Leo Ingwer, ArtCarved, and Benchmark. Serving our group is not just a custom it is the foundation of our privately-run company. At our fine jewelry store and pawn shop, we perceive that total consumer loyalty is fundamental to our prosperity and we understand that rehash business from our esteemed clients is the soul of our business.

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