Lisa Little lub khw pawn, Fieldstone Jewelry thiab Pawn hauv Conyers, Georgia tau pom kev tsheb khiav tsis tu ncua txij li thaum pib muaj kev sib kis, thiab nws tsis qeeb.
Thaum lub sij hawm muaj kev sib kis loj, Me me hais tias tib neeg tau tuaj rau nws lub tsev qiv nyiaj los yuav txhua yam uas lawv tuaj yeem tau txais lawv txhais tes - los ntawm gaming consoles mus rau guitars - los pab ua lub sijhawm thaum nyob hauv tsev.
"Tam sim no qhov peb tab tom pom yog zoo li ... qhov kev thim rov qab loj dua ntawm qhov kev hloov ntawd, qhov twg qee yam ntawm cov khoom ntawd rov qab los tam sim no."
Tsis nco
Nce cov paj laum thiab cov nqi nce ntxiv ua rau muaj kev ntxhov siab rau tib neeg cov nyiaj txiag. Thiab nyob rau hauv kev sib zog ua kom tiav, lawv tab tom tig mus rau lub khw pawn rau dab tsi tuaj yeem pheej hmoo tsawg, nyiaj ceev ceev.
"Kuv xav tias tib neeg muaj kev txhawj xeeb txog seb lawv puas tuaj yeem them lawv cov nqi rau lub hlis no, lub hli tom ntej," Little hais.
Kev qiv qiv nyiaj qiv tuaj yeem yog txoj hauv kev yooj yim kom tau txais nyiaj ntsuab hauv pinch - tab sis cia peb saib cov ntawv zoo.
Pawn khw yog raking nws nyob rau hauv
Cov neeg feem coob tsis tau txais cov nyiaj qiv loj los ntawm lawv lub tsev qiv nyiaj hauv zos. Qhov nruab nrab yog kwv yees li $ 150, raws li cov National Pawnbrokers Association.
"Kuv xav tias txhua tus ib txwm xav kom paub tseeb tias lawv tuaj yeem them lawv cov nuj nqis," Little hais.
"Thaum kuv pom cov nqi nce, thiab cov nyiaj tau los tsis nce ntxiv ntawm tus nqi qub, qee zaum muaj qhov sib txawv. Thiab qhov ntawd yog qhov uas peb tuaj rau hauv, peb tuaj rau hauv hom sau qhov sib txawv. "
Kwv yees li 30 lab tus tib neeg uas tsis muaj lub txhab nyiaj, lossis nkag mus rau cov kev pabcuam hauv tuam txhab nyiaj, siv lub khw muag khoom qiv nyiaj txhua xyoo, raws li National Pawnbrokers Association.
Me me tsis yog tib tus pom qhov nce ntawm qhov xav tau kev pabcuam pawn.
Pej xeem-ua lag luam pawn khw qiv nyiaj muaj lub xyoo banner.
FirstCash Holdings, uas muaj lub khw pawn thoob plaws Asmeskas thiab hauv Latin America, muaj cov ntaub ntawv teev npe thib ob. Nws cov nyiaj tau los hauv thawj ib nrab ntawm 2022 yog yuav luag ob npaug ntawm qhov nws tau ua hauv 2021.
Ib yam li ntawd, EZCORP, Inc., lwm lub tuam txhab lag luam lag luam pawn, hais tias nws cov qiv nyiaj qiv nyiaj tau nce mus txog qhov siab ntawm $ 204.2 lab thaum kawg Lub Rau Hli 2022. Nws tag nrho cov nyiaj tau los tau nce 24% nrog cov nyiaj tau los tag nrho nce 20%.
Cov tswv khw pom ib qho kev lag luam boom
Jack Wright, uas ua ke nrog nws tus poj niam Pamela muaj Wright Pawn thiab Jewelry, tau pom muaj kev lag luam loj.
"Nws pib ob peb lub hlis dhau los, thiab nws zoo li yuav luag tam sim ntawd," Wright hais los ntawm nws lub khw pawn hauv Houston. "Nws yog amazing."
Wright tab tom pom zoo ib yam: Cov neeg yuav khoom thaum tsoomfwv tau pab nyiaj pab, thiab tom qab ntawd los siv cov qiv qiv nyiaj qiv nyiaj raws li kev lag luam nruj thiab txhua yam tau txais kim dua.
Wright tau nyob hauv kev lag luam rau 30 xyoo thiab lees paub qhov tawg thiab tawg qauv.
“Tsoomfwv tau muab nyiaj ntau rau tib neeg. Thiab peb cov nyiaj qiv nyiaj tau poob qis heev. Thiab tam sim no lawv tsis tau txais cov nyiaj ntawd, thiab lawv xav kom qiv nyiaj ntau. " Wright hais tias.
Tab sis cov nyiaj tsis tshua muaj ntau, hais tias Wright, sau tseg tias hauv Texas qhov nyiaj qiv nruab nrab yog $ 139.
Wright hais tias "Qhia koj tias muaj pes tsawg tus neeg nyob ntawm ntug," Wright hais.
Nyeem ntxiv: Koj puas poob hauv Asmeskas cov qib qis, nruab nrab, lossis qib siab? Yuav ua li cas koj cov nyiaj tau los stacks
Yuav ua li cas qiv tsev qiv nyiaj ua haujlwm
Cov kev cai yuav txawv nyob ntawm koj lub xeev, tab sis qhov tseem ceeb, koj nqa ib yam khoom koj xav siv los ua cov nyiaj qiv nyiaj. Feem ntau lub tsev qiv nyiaj yuav txais ntau yam khoom xws li cov hniav nyiaj hniav kub, cov twj paj nruag, khoom siv hluav taws xob thiab cov cuab yeej siv.
Lub khw pawn yuav tuav nws rau lub sijhawm tshwj xeeb - feem ntau 30 hnub. Thaum lub sij hawm lub sij hawm ntawm cov nyiaj txais, koj muaj ob peb txoj kev xaiv.
Koj tuaj yeem them cov nyiaj qiv tag nrho - nrog paj lossis nqi - thiab tau txais koj cov khoom rov qab. Nws yog qhov ua tau koj tuaj yeem txuas ntxiv lub sijhawm qiv nyiaj (yog tias lub khw tso cai, qhov no yuav tuaj nrog cov paj laum thiab nqi ntxiv).
Cov neeg feem coob - 85% raws li National Pawnbrokers Association - them cov nyiaj qiv thiab tau txais lawv cov khoom rov qab.
Lwm qhov kev xaiv yog tsis them rov qab cov nyiaj qiv thiab poob koj cov khoom mus rau lub tsev qiv nyiaj, uas yuav muag nws ntawm tus nqi siab dua li koj cov nyiaj qiv.
Qhov zoo dua yog tias koj tsis them cov nyiaj qiv rov qab, nws tsis tau tshaj tawm thiab koj cov credit yuav tsis raug dinged.
Dab ntxwg nyoog yog nyob rau hauv cov ntsiab lus
Nco ntsoov tias lub khw yuav zoo li muab koj cov nyiaj qiv uas tsuas yog kwv yees li 25% txog 65% ntawm cov khoom muag muag. Yog li yog tias koj tsis them nyiaj qiv, koj tuaj yeem poob tawm ntawm tus nqi ntawm koj cov khoom.
Thiab cov paj laum tuaj yeem loj heev. Qee lub xeev txwv cov paj laum ntau npaum li cas tuaj yeem them raws cai, tab sis lwm tus tsis ua.
Wb hais tias koj nqa ib nkawm qhwv ntsej uas lub khw pawn muab rau koj qiv $200 rau. Thiab tom qab 30 hnub koj them rov qab nrog rau tus nqi $ 25, nws yuav tsis zoo li ntau, tab sis qhov ntawd yog qhov feem pua ntawm txhua xyoo ntawm ntau dua 150%.
Yog li thaum cov nyiaj ceev yog ntxias, nws yog ib qho tseem ceeb kom nco ntsoov tias cov nqi nyiaj yooj yim npaum li cas.
Yuav nyeem dab tsi tom ntej
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Kev sib tsoo loj tshaj plaws hauv keeb kwm ntiaj teb': Robert Kiyosaki tshaj tawm lwm qhov kev ceeb toom tsis txaus ntseeg thiab tam sim no zam 'txhua yam uas tuaj yeem luam tawm' - ntawm no yog 3 cov cuab tam nyuaj nws nyiam xwb
Kab lus no muab cov ntaub ntawv nkaus xwb thiab yuav tsum tsis txhob muab txhais ua cov lus qhia. Nws tau muab yam tsis muaj kev lees paub ntawm txhua yam.
Tau qhov twg los: https://finance.yahoo.com/news/paycheck-pawn-shop-americans-financially-120000392.html