THREE BALLS CHRONICLE
VOLUME 8 / ISSUE 11
December 2025
IN THIS ISSUE
Letter from the President
Letter from the General Manager
Loyalty Pawn Family
Store Manager Updates
Golden 1 Center Events
Monthly Sales
Monthly Birthstone Guide
Monthly Birthdays and Anniversaries and New Hires
Loyalty Pawn’s Core Goals, Values and Visions
Employee Services Corner
Hello Team Loyalty!
Wow! It’s already the end of 2025! We want to thank everyone for all your hard work and dedication to Loyalty Pawn this year, it has been a great year and were ready to make 2026 even better!! All stores will be closing at 3pm on Christmas Eve and closed on Christmas Day and New Years Day. We hope that everyone has a safe and Merry Christmas and a Happy New Years with their friends and family!
Be sure to check out the upcoming events at the Golden 1 Center. We only have a handful of King’s Game tickets available, and I have added some new events, be sure to submit your requests to get any games or events that you would like to go to!
Go Kings!!
Letter from the General Manager
! " & ' ) December Newsletter – Let’s Finish the Year Strong! ! " & ' )
As we step into the holiday season, we want to take a moment to celebrate the incredible efforts of our team and the steady growth we’ve seen throughout the year. December marks the final stretch to achieve our goals, and we’re confident that together, we’ll finish strong!
Top Performers Spotlight
A big round of applause to our top sales leaders for November:
• Norma B. - 1st place
• Dominic T. -2nd place
• Yaritza R. – 3rd place
Nice hustle, team! The difference between first, second, and third place was very close.
Positive Momentum
We’re thrilled to see consistent growth across our stores this year. Even more exciting, we continue to receive glowing testimonials on Google! These reviews highlight our mission and showcase the exceptional white-glove service our team provides. Many of you are being mentioned by name this speaks volumes about the caliber of care and professionalism you bring to every interaction. Keep it up!
Holiday Layaway Program
Our 10/10/10 Layaway Program is a hit this season! Many clients are taking advantage of this flexible option to make their holiday shopping stress-free. Let’s continue to promote this program it’s a fantastic way to help customers plan and purchase with confidence.
Closing the Year Strong
December is packed with opportunities! We anticipate strong sales weekends throughout the month, so let’s stay focused and energized. Together, we can hit and even exceed our store sales goals.
Good luck and thank you for your hard work and commitment. Let’s make this holiday season unforgettable and finish 2025 on a high note!
Sincerely,
Wayne Silliman General Manager
Loyalty Pawn Family
Happy holidays, Loyalty family!
First, I want to extend my congratulations to Team El Camino for achieving their 5% goal and Team Florin for an impressive 20% goal. Fantastic job, everyone! I can hardly believe we’re already December, the last month of the year. Let’s continue to push hard to reach our end-of-year targets and exceed what we accomplished last year. We’ve kept our promise to stock more inventory in our showcases, including the chains you all wanted. We have more chains than ever before, and our price point inventory is moving well, but let’s keep the momentum going to sell even more. December is also a great time to strategize for the new year. It’s an opportunity to set our personal and business goals for the upcoming year. Let’s take a moment to reflect on what went well this year and identify areas for improvement. I want to thank everyone for your hard work and dedication to the company. Wishing you and your families a Merry Christmas and a Happy New Year! Finally, I’m excited for you all to get to know Adam from Team Broadway. Thank you, Loyalty family, for your continued efforts this year!
1. If you could have any superpower for a day, what would it be and how would you use it at work?
The ability to transmute metals. Then I’d buy all the silver and fake gold and turn it into 24k
2. What’s the most adventurous thing you've ever done, and would you do it again? Drove across the country, from California to North Carolina. Yes, but not to visit the same person.
3. If you were to host a dinner party, which three historical figures would you invite and why?
John Brown, Friedrich Engels and David Lynch. Good conversation
4. What’s your go-to karaoke song, and would you be willing to perform it in front of the team?
Strong Enough – Cher I do almost everyday
5. If you could instantly become an expert in any field unrelated to your job, what would it be?
Construction
6. What’s the best compliment you’ve ever received, either personally or professionally? When I worked hospice care, I was gifted a pair of driving gloves from my resident after he passed. He always wore them, even though he couldn’t get out of bed. They came with a note that said I made things easier for him in his final moments.
7. If you could travel back in time, what era would you visit and what would you want to experience? 1517 Germany. Just to see the sights
8. What’s a unique hobby or interest you have that most people don’t know about? I like to collect handmade taxidermy animals and parts of them.
9. If you could only eat one food for the rest of your life, what would it be?
Rice
10. What’s your favorite motivational quote, and how does it inspire you? “How do you eat an elephant? One bite at a time”
11. f you could swap jobs with anyone in the company for a day, who would it be and why?
The accountant
12. What book or movie has had the biggest impact on your life, and how?
Ceremony – Leslie Marmon Silko
13. What’s one thing you wish you’d known when you first started your career?
The stamp for silver
14. If you could create a new company tradition, what would it be?
More cross store events/networking
15. What’s your idea of a perfect team-building activity?
Mafia or Werewolf
16. How do you recharge after a long day at work?
Go to the bar and talk to strangers
17. What’s one personal achievement you’re proud of that might surprise others?
#2 in the nation in Llama Showing in 2009
18. If you could design your ideal workspace, what would it look like?
Coke Freestyle Machine
19. How do you handle stress or high-pressure situations? I usually nervous laugh
20. What’s your favorite way to celebrate a job well done?
Go to the bar and talk to strangers
21. If you won a surprise vacation for a week, but you could only choose one of the following to bring with you: an extra week of paid time off, a bonus that adds to your salary, a benefits package that covers your dream healthcare, or a trophy recognizing your contributions at work, which would you choose and why?
Healthcare
22. What’s the best piece of advice you’ve ever given to someone else?
Sweat the small stuff. You can control those things, the big stuff is going to happen whether you like it or not over and over again for the rest of your life.
23. If you could make one change to the world, what would it be?
No elastic pricing for commodities/services with inelastic demand. (i.e. housing, healthcare, food, utilities)
24. What’s your secret talent that could come in handy at work?
Empathy
25. What’s a skill you believe everyone should learn, and why?
Empathy
Shop Talk Manager Updates
El Camino
Loyalty Family,
Welcome to Decembrrrrr!
What a year it has been. I hope everyone enjoyed a wonderful Thanksgiving and an amazing November. Speaking of gratitude, I want to extend a heartfelt thank you to Team El Camino for your creativity, positivity, and hard work. Your dedication helped us reach our 5% goal, finishing the month at $85,066.93 fantastic job, team!
As a token of appreciation, Team El Camino will be celebrating later this month with some well-deserved holiday Dinner.
Now, as we jingle our way into December, we’re setting a new festive goal of $120,000. Let’s put on our Santa hats, tighten those sales boots, and sleigh this month together. It would be truly wonderful to wrap up the year by hitting our final target.
Our Loyalty Luxury room is bursting with joy, spirit, and plenty of inventory a perfect workshop for success.
To all my team members: let’s show what the El Camino elves are made of this holiday season! Wishing everyone warmth, happiness, and a magical holiday and here’s to a Boombastic New Year!
Tony Mora
Broadway
Hello Team,
As we move into the holiday season, our team is fully prepared and energized for this year’s Christmas sales rush. The store is stocked, the displays are set, and everyone is ready to sell. While we narrowly missed our sales goal for November, the team has shown incredible focus and determination. We’re using that momentum to push even harder this month and we’re confident we will not miss our December target. With strong planning, great teamwork, and the busiest weeks of the year ahead, December is our moment to shine.
We will be challenging ourselves this December to better, in sales with our loans and in providing customer service.
Let’s finish the year strong!
Kirby Erlanger
Roseville
Hi Team Loyalty,
We’re excited for the upcoming New Year and all the energy and opportunities it’s bringing our way. One of the biggest highlights ahead is the installation of our new bulletproof glass and jewelry counters major upgrades that will enhance both safety and presentation throughout the store. We’re also thrilled to be able to finish the completion of our showroom redesign, which will create a more modern, welcoming, and elevated experience for everyone who walks through our doors.
Alongside these improvements, we’re investing in our team through back-to-basics training to sharpen our skills, strengthen our customer service, and ensure we’re operating at our very best. With all this growth happening at once, we’re more motivated than ever to hit our sales goal this month, and we’re pulling out all the stops to make it happen. The New Year is shaping up to be one of progress, teamwork, and big wins and we couldn’t be more ready.
John Mark
Florin Mall
Hello Loyalty Pawn Families,
I can’t believe we are entering the last month of 2025! I hope everyone had a wonderful Thanksgiving. Team Florin set an ambitious sales goal of $111,400.00, and we pushed hard, determined to achieve it. In the last week of November, we locked in a total of $44.9k in sales, helping us surpass our goal. Team Florin achieved a total of $112k in sales, great job to everyone for Team Florin's hard work and dedication!
We are maintaining a strong loan balance of $2.7 million and wrote a total of 451 buy transactions, amounting to $69.6k, fantastic work in qualifying our clients. Florin also welcomed 203 new clients into our system.
Looking ahead, we have a sales goal of $87.3k for December, and I am eager to not only meet but exceed that target. It’s exciting to see how Team Florin will close out 2025 with our sales efforts. Notably, we sold $49k more from January 2025 through November 2025 compared to last year, for a total of $858,588.75 Year to Date.
Let's Go 2026!!! Here we come.
I want to wish everyone a very Merry Christmas and a Happy New Year! Stay safe!
Mark Xiong
Top Performers in November
1st Norma Bobadilla (El Camino #1) Norma Bobadilla (El Camino #1) Norma Bobadilla (El Camino #1)
2nd Dominic Tognolini (Roseville #3) Dominic Tognolini (Roseville #3) David Palomares (Florin #2)
3rd Yaritza Rincon (El Camino #1) Josh Bonton (Broadway #4) Dominic Tognolini (Roseville #3)
4th Ah Xiong (Florin #2) David Palomares (Florin #2) Yaritza Rincon (El Camino #1)
5th Joseph Reyes (El Camino #1) Ah Xiong (Florin #2) John Thao (Florin #2)
Golden 1 Center Upcoming Events
Below is the list of events that are posted as of right now and we will be adding events to this list each month as they get posted! The events listed below are what we have that are available. If you would like to request tickets send your ticket request forms to lauren.l@loyaltypawn.com so that I can get your requests in and if you need a request form email lauren.l@loyaltypawn.com and I can send you a copy or you can ask your supervisor! For every event you are only allowed to request and receive 4 tickets per event!
Golden 1 Center Events
Ghost: Skeletour World Tour February 20th Friday 8:00 PM Ricardo Arjona February 21st Saturday 8:00 PM
& Josi Cuen
5
Meghan Trainer August 7th Friday 8:00 PM
Three Days Gracc November 17th Tuesday 7:00 PM
Sacramento Kings Games
Kings vs. Trailblazers (2 available)
vs. Raptors
vs. Suns (2 available)
vs. Bulls (2 available)
vs. Pacers
3rd
8th
8:00 PM
Monthly Sales Flyer
Monthly Birthstone Guide
This guide is designed to give you a deeper understanding of some of the most popular semi-precious and precious stones we encounter every day. By learning more about each month’s birthstone including its meaning, symbolism, and appeal you’ll be better equipped to connect with customers, make thoughtful suggestions, and ultimately close more sales.
Birthstones hold special significance for many people, representing personal identity, milestones, and meaningful moments. They are often chosen for birthdays, anniversaries, and other celebrations, making them an easy way to spark interest and start conversations with clients. Knowing the story and unique qualities behind each stone can help you arrange your showcases in a way that draws attention, inspires gift ideas, and encourages customers to see the emotional value in their purchase.
By staying familiar with the color, history, and lore of each month’s birthstone, you can confidently guide customers, whether they are simply browsing or searching for the perfect gift, toward a piece that feels personal and memorable. This knowledge transforms a simple sale into a meaningful experience, which not only increases the likelihood of a purchase but also builds lasting customer relationships.
Month Stone Colors Meaning & Symbolism Selling Tips
January Garnet Deep red (sometimes orange, green, or pink)
Amethyst Purple and Lavender
Protection, friendship, trust
Aquamarine Bloodstone
Pale blue, Sea green (Aquamarine)
Dark green with red flecks (Bloodstone)
Calm, clarity, spiritual growth
Courage, serenity, renewal
Emphasize its durability and versatility. Perfect for everyday wear and for customers wanting a classic, deep red gem.
Mention its calming energy and connection to royalty. Great for stress relief or a gift symbolizing peace and wisdom.
Play up its ocean-like color ideal for spring birthdays or romantic “something blue” wedding gifts.
April Diamond Clear Strength, eternal love, prosperity
May Emerald Rich green Love, rebirth, loyalty
June Pearl Alexandrite White or Cream (Pearl) Color-changing (Alexandrite)
Purity, luck, adaptability
July Ruby Vibrant red Passion, vitality, courage
Peridot Spinel Sardonyx
Bright lime green (Peridot) Multiple Colors (Spinel) Reddishbrown/white layered (Sardonyx)
Sapphire Blue (also yellow, pink, white, green)
Strength, protection, harmony
Highlight its unmatched brilliance and symbolism of everlasting commitment. Use this as an upsell opportunity for highvalue purchases.
Mention its timeless luxury appeal and connection to Cleopatra. Pairs well with gold for an elegant gift.
Perfect for weddings, graduations, or milestone celebrations. The variety in June makes it easy to find something for any style.
Market as a statement of love and energy. Works well for anniversaries.
Mention Peridot’s cheerful green as perfect for summer. Spinel offers variety for those seeking uniqueness.
Wisdom, loyalty, truth
Play up its royal history and versatility in color. Excellent for engagement rings and heirloom-style gifts.
Opal Tourmaline
November Topaz Citrine
Turquoise Tanzanite
Blue Topaz
Multicolor flashes (Opal) Wide color range (Tourmaline
Golden yellow, orange, blue (Topaz) Warm yellow (Citrine)
Blue-green (Turquoise) Deep blueviolet (Tanzanite) Blue (Blue Topaz)
Creativity, hope, emotional balance
Joy, abundance, energy
Emphasize individuality no two opals are alike. Great for customers who want something unique.
Highlight their affordability and sunny tones perfect for holiday gifts.
Success, prosperity, good fortune
Great for winter gifting with rich, cool tones that pop in silver or white gold.
Anniversaries, Birthdays and New Hires
December Birthdays
Mark Xiong December 2nd
Kirby Erlanger December 13th
Joanna Guerra December 16th
Gideon Stelmack December 23rd
December Anniversaries
We have no anniversaries this month.
November New Hires
We have no new hires from last month.
Loyalty Pawn’s Goals, Values, and Visions
“The Leader in Local
Lending”
Company Wide Goals
• To Offer Immediate Relief with a Short-Term Loan.
• To Develop, Recruit and Inspire an Elite Work Force, Driven by Loyal Business Practices.
• To Provide the Highest Standard of Quality, Commitment and Value to Every Customer in Our Loyalty Pawn Family!
Core Values
• Loyalty
• Dedication
• Creativity
Company Vision
• Loyal People Committed to Everyday Satisfaction
Loyalty Pawn Employee Services Corner
December … White Eyes
In winter all the singing is in the tops of the trees where the windbird with its white eyes shoves and pushes among the branches. Like any of us he wants to go to sleep, but he's restless he has an idea, and slowly it unfolds from under his beating wings as long as he stays awake. ~ Mary Oliver 19352019
Did you know…that… December is National CAR DONATION Month?
National Car Donation Month: During National Car Donation Month, people are encouraged to donate their used cars to charities. This act of kindness can help someone access a vehicle who couldn't otherwise afford one, or even help a charitable organization.
If you’re looking for a worthy charitable organization, consider Vehicles for Veterans
MONTHLY MOVES - 4 Easy exercises that can be done during your lunch break …
If you do not like to wake up early in the morning to get a workout in or you feel too tired after work to even function, then try to squeeze a super quick workout in during your lunch break. Incorporating a workout in to your lunch break can be brief, try fitting in a 5 to 30 min workout to begin.
The workouts provided in this blog can be done anywhere. If you do not have time to go home or to the gym and the only way of getting a workout in is by staying at the office, these workouts will work for you. The only thing you will need is your exercise clothes and shoes. If you ever forget your shoes all of these exercises can be done barefoot too. Do as many reps as possible in 2 minutes:
1. Bodyweight squats -Start standing with feet just slightly wider than hip-width apart. Sit your butt back into a squat, without letting your knees go past your toes. Make sure your weight is in your heels and keep your chest up.
2. Push ups - Start in high plank with your hands about shoulder-width apart. Bend your arms and lower your chest as close to the floor as you can. Push back up to a plank.
3. High knees (you can either do jumping high knees or stationary) - Start in high plank with your feet hip-distance apart. Now rotate your entire body to the right into a side plank with your left shoulder above your left wrist. Extend your right arm to the ceiling and continue to drive your hips up. Return your right arm down to high plank.
December…Celebration Days
4. Standing oblique crunches - Stand with your feet hip-width apart and hands behind your head and elbows wide. Lift your left knee toward your left elbow while you bend your torso up and over to the left. Bring your left foot back to standing and repeat on the other side, lifting your right knee towards your right elbow.
Check out this website for keeping fit and pumping lymph while at work: https://www.fittherapyoftexas.com/post/4-easyworkouts-that-can-be-done-during-your-lunch-break
• December 6 is Saint Nicholas’ Day The patron saint of children is the model for St Nick and gift-giving.
• December 7 is also National Pearl Harbor Remembrance Day
• December 8 is Bodhi Day in the Buddhist calendar, celebrating Buddha’s enlightenment
• December 13 is St. Lucia’s Day, which has long been associated with festivals of light. Before the Gregorian calendar reform in 1752, her feast day occurred on the shortest day of the year (hence the saying “Lucy light, Lucy light, shortest day and longest night”).
• December 14 marks the beginning of Hanukkah this year, the 8-day Jewish festival of lights.
• December 15 is Bill of Rights Day
• December 17 is Wright Brothers Day.
• December 21 is the Winter Solstice the astronomical day when the Earth is farthest away from the Sun. Starting in ancient times, people celebrated the rebirth of the Sun event through Yule.
• December 25 is Christmas Day, a Christian holiday with different meaning and celebrations for all. It also marks the beginning of Hanukkah this year! 8-days of Jewish festival of lights!
• December 26 is Boxing Day (Canada and the UK) and the first day of Kwanzaa.
• On the last evening of the year, December 31, kiss the person you hope to keep kissing!
December… Just for Fun Days
Here are some more wacky celebrations to look forward to:
• Dec. 11: International Mountain Day
• Dec. 13: National Violin Day
• Dec. 13: National Day of the Horse
• Dec. 16: Underdog Day
• Dec. 26: National Candy Cane Day
Why December’s NOT the 10th Month …
December is the 12th month (and last month) in our modern-day Gregorian calendar (as it was in the preceding Julian calendar). However, it was initially the 10th month of the Roman calendar (until 153 BC). Hence, “December” comes from the Latin decem, meaning “ten.”
December Astronomy
The Cold Moon!
December’s full Moon is most commonly known as the Cold Moon a Mohawk name that conveys the frigid conditions of this time of year, when cold weather truly begins to grip us.
December’s Full Cold Moon Thursday, December 4, reaching peak illumination at 6:14 A.M. EST.
We all know the classic poem “A Visit from St. Nicholas” (often called “The Night Before Christmas”), which was first published in 1823. The narrator looks out his bedroom window for St. Nick, proclaiming, “The moon on the breast of the new-fallen snow gave the luster of mid-day to objects below.”
December Mindset: Finish Strong, Start Fresh
December gives us a unique opportunity: a moment to pause, reflect, and reset our mindset before stepping into a brand-new year. The holiday season can be joyful, but it can also be busy, unpredictable, and stressful both for our customers and for us. That’s why how we choose to show up matters more than ever.
Lead With Intention
Before each shift, ask yourself: “How do I want to show up today?”
You don’t need to overhaul your whole day just choose one intention:
• Patience
• Kindness
• Clarity
• Calm
• Teamwork
• Ownership
This simple mindset shift sets the tone not only for you, but also for the customers and teammates around you.
Small Choices Create Strong Teams
The strongest teams are not built by big, dramatic moments they’re built by the consistent choices we make day after day. This month, consider:
• Taking an extra moment to greet a customer warmly
• Asking a coworker if they need help during a rush
• Double-checking a transaction before finalizing
• Owning small mistakes quickly and correcting them
• Showing appreciation to someone on your shift
These actions build trust, reliability, and a workplace where people genuinely want to show up.
Celebrate Your Wins Big or Small
Before the year wraps up, give yourself credit for how far you’ve come. Consider:
• A new skill you learned
• A challenge you got through
• A customer you helped feel valued
• A situation you handled with maturity or patience
• A moment when you supported your team
You’ve grown in ways you may not even realize. Allow yourself the space to acknowledge it.
Take a Breath Before the Rush
During busy holiday weeks, try this 20-second grounding reset:
• Pause.
• Inhale for four seconds, hold for four, exhale for four.
• Identify one thing you can see, one thing you can hear, and one thing you can feel.
This tiny reset can shift your whole mood and help you stay steady during fast-paced customer interactions.
✨ HR Reminders for Year-End ✨
To help everyone start 2026 smoothly, here are some important reminders from HR. Please take a moment to review and complete anything that applies to you.
1. Verify Your Personal Information in ADP Before W-2s are issued in January, log in to ADP Workforce Now to confirm:
• Your mailing address is accurate
• The spelling of your name matches your Social Security card
• Your contact information (phone number & email) is current
Deadline: December 20, 2025
Updating now ensures you receive all tax documents without delays.
2. Review Your Tax Withholdings
If you want to adjust your take-home pay or prepare for tax season, make sure to review your:
• W-4 (federal)
• DE-4 (state)
You can update these directly in ADP under Pay & Taxes. If you have questions about navigating the system, Employee Services is here to help.
3. Year-End Performance Reflection
Take a few minutes to ask yourself:
• What did I improve this year?
• What do I want to work on next year?
• What support do I need to reach my goals?
Your growth matters, and we’re here to help you succeed!
Closing Note
December isn’t just the end of a year it’s the beginning of a mindset reset. By showing up with intention, kindness, and pride in your work, you help create the Loyalty Pawn experience customers love and trust. Thank you for your dedication, consistency, and heart you bring every single day! Here’s to finishing 2025 strong… and stepping into 2026 with confidence and momentum.
❤ – Your MobileHRnow Team
Citrus-Champagne Punch
Inspired by old-school 7-UP sherbet punch, this grown-up version is spiked with piney gin, tart lemon sorbet, and a generous splash of fizzy Champagne. This punch is only as good as the Champagne you use, so splurge for the good stuff! Try this with Wilson Creek’s Almond Champagne!
Ingredients and Directions
½ cup fresh pink grapefruit juice, strained (from 1 large grapefruit) ½ cup fresh orange juice, strained (from 2 large oranges)
½ cup fresh lemon juice, strained (from 4 large lemons)
¼ cup sugar
Now for the coup de gras… 750ml bottle champagne or sparkling wine, chilled Mix all juices and sugar in a pitcher and stir until sugar dissolves. Cover and chill at least 2 hours or up to overnight. Divide juice among flutes and top with champagne. Serve immediately and enjoy!
401K-Loyalty Pawn Retirement $avings Program
Are you saving for retirement? Why not start today?
If you have completed 12 months of service with Loyalty Pawn, you’re eligible to participate and start putting away those pretax (or post tax Roth) dollars into your very own 401k account. To enroll, send me an email and I’ll help you get started. Contact Employee Services at employeeservices@loyaltypawn.com Start saving for retirement’s tomorrow, today!
Special thanks to the almighty, Old Farmer’s Almanac that provides us with amazing “earthly” info and wholesome team entertainment!
If you need HR, Payroll, Benefits, or Family support, Loyalty Pawn’s Employee Services is only a phone call, text message, or email away, on demand, anytime!
Liz Dowd, HR/PR Guru: 530-613-2796. Dmae Shannon BSHRM 916-752-2255. John Malhotra. 401k. 916607-9754
