THREE BALLS CHRONICLE
VOLUME 8 / ISSUE 6
July 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
The History of Pawn
Monthly Birthstone Guide
Monthly Birthdays and Anniversaries and New Hires
Loyalty Pawn’s Core Goals, Values and Visions
Employee Services Corner
Team Loyalty!
Happy July! As we step into the heart of summer, it’s a great time to celebrate our progress so far and set our sights on the goals ahead. This month brings the perfect opportunity to stay energized, stay connected, and continue building on the momentum we’ve created together.
We hope everyone had a wonderful 4th of July celebrating with friends and family! Thank you for your ongoing commitment and teamwork it’s your dedication that drives our success and keeps us moving forward. Let’s make this month another one to be proud of as we head into the second half of the year!
Be sure to check out the exciting events happening at the Golden 1 Center, and don’t forget to submit your ticket request forms!!
Wishing everyone a joyful, safe, and successful
President’s Letter
Hello Loyalty Pawn Family,
I hope this message finds you all in great spirits following a wonderful Fourth of July celebration. I wanted to take a moment to reflect on our achievements and share some exciting prospects as we move forward.
I'm thrilled to report that Loyalty Pawn is performing exceptionally well this year. The dedication and hard work each of you puts in every day have truly made a difference. Our Father’s Day promotions were a resounding success, and it's encouraging to see the positive impact we've been able to make.
As we gear up for the summer months and approach the new school year, there's a fresh wave of opportunities ahead. We have ambitious plans to grow our loan balance, and it's essential to keep up with our sales as well as our pawn service charges. These efforts will further solidify our position as an industry leader.
A friendly reminder to all the team, we are halfway to Christmas and the holiday season. This is a prime time for us to prepare and strategize for the busy months ahead, ensuring we meet the needs of our customers during these key periods.
Thank you all for your continued effort and commitment. As we journey through the rest of 2025, let’s keep pushing the boundaries and setting new standards of excellence. Together, we can take Loyalty Pawn to even greater heights.
Enjoy the summer, and let’s keep up the fantastic work!
Warm regards,
Stan Lukowicz President, Loyalty Pawn
Letter from the General Manager
Dear Team,
As we wrap up the second quarter of 2025, we’re thrilled to share some exciting highlights and recognize the outstanding efforts of our top performers!
� Top Sales Performers
Please join us in congratulating our top salespeople for the month of June:
• Dominic T.
• Norma B.
• Ah X.
� Top 5 Salespeople – Q2 2025
A special shoutout to our top five sales leaders for the second quarter:
1. Dominic T.
2. Norma B.
3. Ah X.
4. Matthew S.
5. Josh B.
� Loan Growth Update
In June alone, we grew our loan balance by $175,000 a strong indicator of seasonal demand, as clients seek funds for summer vacations and personal projects. This trend mirrors previous summers and positions us well for continued growth.
Comparing Q2 2025 to Q2 2024, we’ve achieved a 6% increase in loan volume, reinforcing the ongoing demand for capital. Based on current momentum, we anticipate July will be another strong month for loan growth.
� Product Trends
Our jewelry product line remains strong, even as general goods show signs of softening. This highlights the importance of staying sharp in our product qualification process. Let’s continue to seize every opportunity to say “yes” to our clients and meet their needs with confidence.
� Thank You
Your hard work, attention to detail, and dedication to our mission are what drive our success. Let’s keep the momentum going and make July another record-breaking month!
Thank you for all that you do!
Wayne Silliman General Manager
“Success is the sum of small efforts, repeated day in and day out.” – Robert Collier
Loyalty Pawn Family
Greetings, Loyalty Family!
The heat is here, and things are heating up at the store level! I want to extend a huge congratulations to all the stores for hitting their impressive 5% retail goal! A special shoutout goes to the El Camino and Roseville locations for surpassing their str etch goals what an exhilarating finish! We are committed to supporting you with the jewelry you need to keep meeting and exceeding these goals. As you've noticed, we experienced a tremendous loan increase last month with no signs of slowing down. I don’t want to sound like a broken record, but we will continue to rely on retail to sustain that growth. We’ve dipped our toes into the waters at the El Camino location with Lab Grown diamonds, and the margins have been fantastic! We’ll be seeking out some exciting vendors at the Pawn Expo, adding another powerful tool to our arsenal to reach our goals. We're also thrilled about relocating eBay to the El Camino location, where Jason will be joining that team. Change is in the air, and we can’t wait to experience it all together! This month let’s get to know our newest team member, Zane from the El Camino location. Let’s keep the momentum going and continue to uplift each other as we strive for excellence in our work!
1. What helps keep you motivated? Helping others.
2. What professional skills do you think everyone should have? A willingness to help others.
3. What professional skills would you like to master? Reading and writing.
4. Who is the best pawnbroker you know, and what makes them the best? The guy who sold my mom her wedding ring.
5. What do you consider yourself to be good at, and what could you improve? Caring for other people; I could improve everything!
6. What is the best perk you have had at a job? Overtime (OT).
7. What is the most valuable career advice you've been given? Never give up.
8. What can the company do to celebrate a success you've had? Cash, please!
9. What do you like about the pawn industry? Giving people help and respect.
10. What do you dislike about the industry? Rude people.
11. What can the company change or improve to make it better to work here? I’m not sure; I haven’t worked here long enough.
12. What's the last big challenge you've had, professionally or personally? I’m taking care of my mom.
13. Where do you see yourself in five years? Working here.
14. What is something you would like to get better at in the pawn industry? Everything! :)
15. Have you checked something off your bucket list? What was it? A lot.
16. If you could choose any celebrity to be your best friend, who would it be? Robin Williams and Dog.
17. What are you looking forward to this year? Gaining more experience.
18. If you could be a professional in any sport, what would it be and why? Disc golf; I have a lot of friends that play.
19. What do you value more: time off, making more money, or benefits? Making more money to improve the quality of my life.
20. What is a small thing that makes your job easier or better? Music.
21. What is the best work event you have attended? What made it so great? The hiring event, where I got to meet new people.
Shop Talk Manager Updates
El Camino
Loyalty Family,
Firing Up July Sales Let’s Go, Team El Camino!
Team El Camino is turning up the heat this July with a blazing new sales goal of $66,000! With our sizzling Buy One, Get One promotion, we’ve got a golden opportunity to crush it once again. We wrapped up June with a bang by hitting our 20% growth goal – fantastic job, team! Your hard work and dedication continue to shine.
We’re also thrilled to welcome Zane Wakley to our Loyalty Pawn family! He’s off to an incredible start and already making a strong impact – keep it up, Zane!
Let’s stay focused, keep the energy high, and hit our July goal together. And don’t forget – stay safe this summer and wear your sunscreen!
Let’s make it another record-breaking month!
Tony Mora
Roseville
Hi Team Loyalty
Our team absolutely crushed it last month by exceeding our 20% stretch goal in sales a huge accomplishment and a true testament to everyone’s hard work and dedication! To celebrate this incredible win, we’ll be going out to dinner together to relax, reflect, and enjoy some well-earned time as a team. The timing couldn’t be better, as we’re heading into the holiday season energized and ready for the big Christmas sales months ahead. There’s a lot to look forward to, and with this momentum, we’re set up for an exciting and successful finish to the year!
John Mark
Broadway
Hello Team,
I am proud to share that we achieved our 5% sales goal for the month. While we’re bummed to see our 20% sales streak come to an end, we’re still celebrating the solid effort that helped us meet our sales goal. Every bit of progress counts, and I appreciate the continued commitment from everyone on the team.
Special shoutout to Josh, who led the team in sales this month, and to Yara, who took the lead in loans. Thank you both for setting the pace and leading by example!
We’re also continuing our focus on growing and maintaining our layaway balance. It has been one of our greatest driving factors and a fantastic tool for continued success.
Let’s keep the energy up and this momentum moving in the right direction as we move into the summer. There’s still plenty of opportunities ahead!
Thank you,
Kirby Erlanger
Florin Mall
Hello Loyalty Pawn Families,
I hope everyone is doing well and had a wonderful and safe 4th of July. Last month, Team Florin had a sales goal of $68.5k and a stretch goal of $78.3k. Team Florin was determined to hit our stretch goal; unfortunately, we ended up reaching our 5% goal instead, which I am still grateful for. This month marks Adrianna's third month with us, and she is progressing very well. She can now work at the front counter independently.
For July, we have a high sales goal of $87.2k, with a 20% stretch goal of $99.6k. Even though this month’s goal is higher, we are not giving up we are determined to achieve it. Our "Buy One, Get One Half Off" sales should help us reach our targets. Team Florin has been actively posting on social media to boost our sales figures.
Good luck to all locations, and let’s hit our goal!
"Choose to be optimistic; it feels better." - Dalai Lama
Mark Xiong
1st
3rd
Dominic Tognolini (Roseville #3) Dominic Tognolini (Roseville #3) Stephanie Alfaro (El Camino #1) 2nd
Norma Bobadilla (El Camino #1) Stephanie Alfaro (El Camino #1)
Norma Bobadilla (El Camino #1)
Ah Xiong (Florin #2)
Xiong (Florin #2)
Xiong (Florin #2)
Josh Bonton (Broadway #4) Norma Bobadilla (El Camino #1) Dominic Tognolini (Roseville #3) 5th Matthew Stevens (Roseville #3) David Palomares (Florin #2) David Palomares (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 in green are available and the events in red have already been spoken for. 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! With the Golden 1 Center opening back up there is a limited number of tickets available, so for every event you are only allowed to request and receive 4 tickets per event!
Cody Johnson July 17th Thursday 8:00 PM
Cody Johnson July 18th Friday 8:00 PM
Barry Manilow July 19th Saturday 8:00 PM
Disney Descendants/Zombies July 20th Sunday 7:00 PM
Shinedown August 5th Tuesday 8:00 PM
V101 - Lisa Lisa
Uchis
Lainey Wilson August 22nd Friday 8:00 PM
Ana Gabriel August 30th Saturday 8:00 PM
George Medina & Josi Cuen September 5th Friday 8:00 PM
Lil Wayne September 6th Saturday 8:00 PM
NBA YoungBoy September 13th Saturday 7:30 PM
Linkin Park September 17th Wednesday 8:00 PM
Alejandro Fernandez
Stevie Nicks October 4th Saturday 7:00 PM Tate McRae October 5th Sunday 7:00 PM
Los Tigres del Norte October 10th Friday 8:00 PM
Luis Conriquez October 11th Saturday 8:00 PM
Maroon 5 October 17th Friday 8:00 PM
Phil Wickman October 23rd Thursday 8:00 PM
Disney on Ice Presents Frozen & Encanto October 30th Thursday 7:00 PM
Disney on Ice Presents Frozen & Encanto November 1st Friday 11:00 AM
Disney on Ice Presents Frozen & Encanto
Disney on Ice Presents Frozen & Encanto
Disney on Ice Presents Frozen & Encanto
Disney on Ice Presents Frozen & Encanto
Disney on Ice Presents Frozen & Encanto
Eric Church
Brandon Lake
Ramon Ayala
Third Day
November 1st Friday 7:00 PM
November 2nd Saturday 10:30 AM
November 2nd Saturday 2:00 PM
November 2nd Saturday 7:00 PM
November 13th Thursday 7:00 PM
November 15th Saturday 7:00 PM
November 29th Saturday 8:00 PM
April 23rd, 2026 Thursday 8:00 PM
Monthly Sales Flyer
The History of Pawn
China
Pawnbroking humankind’s oldest financial institution, pawn loans can be traced back at least 3,000 years to ancient China.
Middle Ages
Ancient Rome
Pawnbroking also thrived in ancient Greece and Rome, often giving merchants a way to fund their small shops or fund ships for trade. In fact, the word “pawn” stems from the Latin word “patinum,” meaning cloth or clothing. For the working class, clothes were often the most valuable items they owned and could be pawned to meet everyday needs.
Prominent families such as the Lombards of England and the Medicis of Italy became known as money-lending families. England’s King Edward III famously pawned his jewels to the Lombards in 1388 to help finance war against France.
In the 14th and 15th centuries in Europe pawn as short-term credit became an important way of financing business endeavors and granting temporary aid to the poor. Pawns also financed events that changed world history! Queen Isabella of Spain famously pawned her royal jewels to finance Christopher Columbus’ voyage to the New World.
17th & 18th Centuries: The Start of Pawn Regulations
In the 18th century, public pawnshops began offering low-interest loans to the poor to curb debt. In the 19th century, the practice of pawning clothes on Monday and retrieving them on Friday–“payday”–was a common way for poor people to make it through the week.
Pawn Today
Since people in need of quick cash were more apt to be on society’s fringes during this era, protections were put in place to try to prevent the pawning of stolen items. The Pawnbrokers Act of 1872 in England established regulations protecting pawnbrokers who inadvertently sold stolen items. This act also stipulated the amount of interest charged on pawned items and set out general guidelines for the industry, establishing a regulation pattern that exists even today.
Today, many people depend on pawnbrokers to help them meet daily financial needs not offered by other institutions. Pawn customers represent the working families of America who periodically experience an unexpected need for short-term funds. Pawn loans keep the electricity on, the rent paid and cars running with full tanks of gas. Today’s pawn stores are attractive, welcoming places to do business. Most of them are family-owned and operated stores that offer superb customer service. Pawnbrokers comply with all federal, state, and local regulations and laws. In most jurisdictions, they provide local law enforcement with data on all transactions daily.
Three Gold Balls & The Santa Connection
Traditionally, the pawnbroker’s symbol is three gold spheres hanging from a bar. This stems from St. Nicholas, recognized in America as Santa Claus, is the patron saint of pawnbroking. He is reported to have left three bags of gold so the daughters of a poor man could afford to marry. Later the tradition transformed the bags into three gold balls, which became the symbol of pawnbrokers.
Source: https://www.nationalpawnbrokers.org/history-of-pawn/
Monthly Birthstone Guide
This will help educate you about some of the more popular semi and precious stones we come across and it will also help you close some more sales. The idea is to educate you on each month’s birthstone as you can arrange your cases properly and make suggestions to our clients that may be browsing or even looking for a gift. Let’s think outside the box when utilizing this information.
JANUARY – Garnet
MARCH – Aquamarine
MAY Emerald
FEBRUARY Amethyst
Anniversaries, Birthdays and New Hires
Ju Birthdays
Yaritza Rincon July 24th
Adrianna Perez July 27th
July Anniversaries
Stephanie Alfaro 1 year
Dominic Morales 2 years
Tito Molina 9 years
June New Hires
We have no new hires this past 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
Loyalty Pawn Employee Services Corner
JULY…
Oh When the scarlet cardinal tells Her dream to the dragon fly, And the lazy breeze makes a nest in the trees, And murmurs a lullaby, It is July.
~Susan Hartley Swett
JULY CALENDAR OF NATIONAL EVENTS
• July 1 is Canada Day, a Canadian federal holiday that celebrates the creation of the Dominion of Canada in 1867.
• July 3 brings the start of the hot and sultry Dog Days of Summer! Read all about the Dog Days of Summer.
• July 4 is Independence Day (U.S.). On the fourth of July, we celebrate the adoption of the Declaration of Independence in 1776. Don’t forget to raise the flag!
• July 7 marks Islamic New Year, which begins with the first sighting of the crescent Moon after the new Moon in the month of Muharram. This event signals the start of the Islamic lunar calendar year.
• July 14 is Bastille Day, which commemorates the storming of the Bastille and the start of the French Revolution.
Here are some more fun things to celebrate in July:
• July 11: International Town Criers Day
• July 17: National Hot Dog Day
• July 22: Spooner’s Day
• July 23: National Day of the Cowboy
• July 27: Take Your Houseplants for a Walk Day
• July 30 National Cheesecake Day
July Full Moon
July’s full Moon, the Full Buck Moon, occurs on Thursday, July 20. It reaches peak illumination at 4:37 P.M. (EDT).
July’s Moon Phases
First Quarter: July 2, 3:30 P.M. EDT
Full Moon: July 10, 4:37 P.M. EDT
Last Quarter: July 17, 8:38 P.M. EDT
New Moon: July 24, 3:11 P.M. EDT
JULY GARDENING TIPS
1. Deadhead your flowers, removing faded blooms from your spring perennial flowers such as peonies, bearded iris, and Asiatic lilies.
2. Harvest daily as vegetables always taste better when young and tender.
3. Stay on top of pests with daily walks of your garden.
4. Mulch, mulch, mulch! Retain moisture and suppress weeds with mulch.
5. Look to your gardens; see that you destroy all kinds of weeds before they go to seed.
LOVE PEOPLE & COOK THEM TASTY FOOD!
July Recipe. July 30th: National Cheesecake Day How to Make Cherry Cheesecake
https://web-holidays.com/blog/2020/06/23/july-30national-cheesecake-day
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. When it comes to 401(k) plans, it's your money. But your boss and the government make the rules. Need more 401k investment info and advice? Contact our Investment Advisor, John Malhotra.
John S. Malhotra - Financial Services Representative CA Insurance License # 0K09207 1478 Stone Point Drive, Suite 390 Roseville, CA 95661 d (916) 607-9754 | f (844) 295-8527 e malhotra.john@principal.com w www.principal.com
Thank you for my subscription to the Old Farmer’s Almanac for inspirational quotes and the Food Network for this month’s Love People, Cook them Tasty Food content for LP’s Three Ball’s Chronicle this month.
Hope all had a safe and sane 4th of July! U.S.A
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
