THREE BALLS CHRONICLE
VOLUME 8 / ISSUE 8
September 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!
As we step into a new season, September brings the perfect opportunity to reset, refocus, and gear up for the months ahead. With summer winding down, it’s a great time to channel the energy we’ve built and carry it into a strong finish for the year.
We also want to take a moment to recognize the incredible work everyone has been doing, your dedication and teamwork continue to drive our success. We want to celebrate the effort and commitment each of you put in every day!
Be sure to check out the upcoming events at the Golden 1 Center and remember to get your ticket request forms in on time. I have added all remaining King’s Game tickets that are available, be sure to submit your requests to get any games that you would like to go to! Go Kings!!
President’s Letter
Dear Loyalty Pawn Family,
As we step into September, I want to begin with an important reflection. This month marks the 24th anniversary of 9/11. On that day, please take a moment of silence to honor the lives lost and the families forever impacted. It is a reminder of resilience, unity, and the importance of supporting one another.
August was another strong month for loan growth, congratulations and thank you to each of you for the dedication that continues to drive our success. We are closing in on our annual loan goal, and I am confident that September will take us across the finish line.
However, while loans have been growing, August sales did not quite meet expectations. July showed us the momentum we’re capable of, and it’s important that we return to that path. Strong sales fuel our growth, and this will be our collective focus in the months ahead.
To ensure we finish strong this year, here are a couple of key areas we could focus on:
1. Promote Christmas Layaways (3-Month Push) -- Encourage customers to secure their holiday gifts early with our flexible layaway program. This provides convenience for them and steady cashflow for us.
2. Feature Our New Lab-Grown Diamond Jewelry Line
This exciting new product line offers beauty, quality, and value. Perfect for holiday gifts, these pieces should be showcased in every sales conversation.
By the end of September, we’ll be three-quarters of the way through the year. I am proud of what we have accomplished together, and I am energized about what we will achieve in the final stretch. With focus on growing loans, boosting sales, and converting customer interest into committed purchases, I know we will finish the year strong.
Thank you all for your continued dedication, hard work, and teamwork. Wishing each of you a productive and successful month.
With gratitude,
Stan Lukowicz President, Loyalty Pawn
Letter from the General Manager
Greetings Everyone,
As Expected, we had a strong growth month in July. Our loans grew over 200k with growth expectations forecasted for August as well. Congratulations to both El Camino and Broadway for hitting their 20% sales goals. Although the stores had a strong loan growth month, we were still able to capture some retail sales in a month that has historically been soft in retail.
I would like to acknowledge the top 3 salesman for July. Congratulations to Dominic T 1st place, Norma B. 2nd place and Ah X. 3rd place. Great job team. To compare 2024/2025 sales for July, El Camino sold 21% more in July 2025, Florin sold -10% less in 2025, Roseville sold35% less in 2025 & Broadway sold 40% more in 2025.
Very soon, we will be adding a new line of jewelry inventory to our locations. We are expanding our jewelry offerings to now include lab created diamonds. This will be a mined diamond alternative. Many retailers are tapping into this market and the lab cr eated diamonds are an affordable option to mined diamonds. Javier has noticed lately that celebrities are starting to include these jewelry pieces as part of their fashion everyday accessories. The lab created diamond lines will be an added product to our continuously growing inventory, and we will be showcasing these in the very near future. With proper merchandising and product knowledge, we believe that this addition will continue to increase our retail potential.
To conclude, I wanted to thank those who have signed up for the AJP courses. These classes are a gateway to diving a little deeper into the world of jewelry. As it stands, the business is comprised of 80% jewelry and 20% general goods. These courses will h elp boost your knowledge, vocabulary and general understanding of the anatomy of stones and jewelry. Good luck!
Sincerely,
Wayne Silliman General Manager
“A diamond is merely a lump of coal that did well under pressure.”- Unknown
Loyalty Pawn Family
Greetings, Loyalty Family!
First and foremost, I want to extend my heartfelt congratulations to Team Broadway for their tremendous efforts in achieving an impressive 20% stretch goal for the month of August. It took a collective commitment, creativity, and collaboration from every team member to reach this milestone, and your hard work truly shows. Once again, congratulations, Team Broadway! To the rest of our stores, we have some real work ahead of us. We’ve seen a drop in performance, and it’s crucial that we rally together to improve. We have a wealth of price point inventory at our disposal, and it’s up to each of you to utilize the tools provided to move this inventory effectively. While I appreciate the successes we’ve had with our Pawn service charges this past month, we cannot rely solely on that. It’s essential that we reach our sales goals consistently, and that requires dedication and strategic effort from everyone. I’m excited to see that our new Lab Grown Diamond line is starting to gain traction, particularly with Team El Camino leading the way. Let's build on this momentum and ensure that we are all contributing to the success of our offerings. This month, I’m pleased to introduce you to Paul Molina, the assistant manager of the Florin Mall location As we forge ahead, let’s remember the words of Steve Jobs' "Great things in business are never done by one person. They are done by a team of people" Let’s make this month a remarkable one!
1. If you could have any superpower for a day, what would it be and how would you use it at work? I would want instant regenerative abilities since I get injured and get cuts at work randomly. If not, then telepath to be able to control the minds of others and be able to use it to influence others behavior if they are a problem in the store.
2. What’s the most adventurous thing you've ever done, and would you do it again? I spent around 2 weeks in Cancun on a vacation, and we went to the cenotes and underground rivers connecting in Xcaret the experience was amazing.
3. If you were to host a dinner party, which three historical figures would you invite and why? Hopefully we’d be speaking the same language but if not then I’d be translating but for a dinner party it would be Mario Fortino Alfonso Moreno Reyes “Cantinflas”, Roberto Gómez Bolaños “Chespirito” and finally Charlie Chaplin “The Tramp” obviously the dinner would be full of laughs and some political views. These three were comedic powerhouses and influential figures of their time and till this day hold a significant place in history both internationally and in their own home nations.
4. What’s your go-to karaoke song, and would you be willing to perform it in front of the team? Not to be a party pooper but sadly I don’t sing or dance, so karaoke is out of the question for me.
5. If you could instantly become an expert in any field unrelated to your job, what would it be? Attorney, I enjoy arguments, and I constantly defend the innocent or the working class.
6. What’s the best compliment you’ve ever received, either personally or professionally? That I don’t mince words, most common things customers tell me are I’m honest and don’t like to waste time.
7. If you could travel back in time, what era would you visit and what would you want to experience? I would want to travel during Jesus Christ’s death to make sure of what would happen after he had died. If not, then during the renaissance I’ve had an interest in how drastically people have changed their point of view on the aspects of art, literature and music.
8. What’s a unique hobby or interest you have that most people don’t know about? I enjoy watching and learning but mostly making different types of asados from the Latin American cultures specifically Mexican, Argentinian and Brazilian.
9. If you could only eat one food for the rest of your life, what would it be? Mexican food or Vietnamese food
10. What’s your favorite motivational quote, and how does it inspire you? "The first obligation of every human being is to be happy; the second is to make others happy." -Cantinflas
11. If you could swap jobs with anyone in the company for a day, who would it be and why? I have no interest in swapping with anyone, but I would want to go up positions again.
12. What book or movie has had the biggest impact on your life, and how? “The Brutalist” and “Oppenheimer” The Brutalist shows the reality and complexity of a Jewish-Hungarian architect and Holocaust survivor transitioning when arriving to the United States to escape the hardships of a post-world war Europe. This movie gives the viewer a point of view of an immigrant which is both past and current once in a foreign country one must adapt and show his work to survive and the ongoing turmoil and discriminations thrown at them. Oppenheimer showed the life of J. Robert Oppenheimer, displaying a theorist so haunted by his mind full of the images of a destroyed world and endless possibilities because of the quantum world. A person invested in his work to create something he sees as both extraordinary and damming. Then once it is accomplished it comes full of consequences which he must get through. I connected with this movie regarding how one works hard and invests in something one believes in so that it may turn out to be something that could later affect your world either in the good or the bad.
13. What’s one thing you wish you’d known when you first started your career? same as any career choice I guess that no choice is an easy one.
14. If you could create a new company tradition, what would it be? Looking out for one another, seeing the team and company as a family since we spend more time here than at home awake.
15. What’s your idea of a perfect team-building activity? Company hangouts being able to go someplace to unwind, drink something or snack and talk to one another to be able to create a stronger bond between the team. We must socialize without having the restraints from work.
16. How do you recharge after a long day at work? Going home to see my family and laying back on the couch, watching some sports highlights or commentary or having a drink and relaxing on the patio.
17. What’s one personal achievement you’re proud of that might surprise others? I’ve obtained a food handler license, a coaching license and was starting work at a pawnshop all in the same year while still being a waiter at a family restaurant.
18. If you could design your ideal workspace, what would it look like? Ideal would be like how it is now but with a more retail store front in the way of presentation with signs pointing out where certain merchandise is and a more spacious warehouse so we can take in more bulky items with a more accessible hallway for such large items taken in.
19. How do you handle stress or high-pressure situations? During high pressure situations and when involving large amounts of stress, I honestly just lose myself in focus to finish whatever it is that I am doing so the stress and pressure just goes away. I’ve noticed that I’m better in these sorts of environments, my mind processes things quicker.
20. What’s your favorite way to celebrate a job well done? I’m not the celebratory type, praise and all those types of things aren’t something really given to me, but I believe if you see a proficient worker, you should just make sure not to bother him or her with complaints.
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? The benefits package would be the best option I’d be saving in the long run for it.
22. What’s the best piece of advice you’ve ever given to someone else? Don’t apologize because it is the biggest form of hypocrisy, people who apologize unknowingly get in a loop of repeating the same mistakes again and depend on that same apology to save them.
23. If you could make one change to the world, what would it be? Change current president and seat count in congress lower quantity of republicans.
24. What’s your secret talent that could come in handy at work? Its already come in handy multiple times I’m good under pressure and I’m great at persuading and pressuring people to buy.
25. What’s a skill you believe everyone should learn, and why? Social skills like being able to hold a conversation and being able to know how and when to finish one.
Shop Talk Manager Updates
El Camino
Loyalty Family,
I hope everyone had a fantastic August! While Team El Camino came up just short of our sales goal, we still crushed it on the loan side our balance has skyrocketed to $2,142,342.00. That’s huge growth to close out the summer, and we’re heading into the fall full steam ahead. For September, our new goal is $81,000, which reflects a 20% increase over last year. With fresh inventory rolling in and the holidays around the corner, I’m confident we can hit and even exceed that target.
Quick reminders:
• Electronics & gaming systems – Make sure pricing is spot on. Big box stores and Sony are raising prices due to tariffs, but we don’t price gouge. Customers come to us for deals and we’ve got them!
• Gas-powered lawn equipment – Don’t shy away from buying or loaning them at a fair price. With fall approaching, demand is about to pick up, and there’s money to be made.
Summer has come and gone, and as the song goes: “Wake me up when September ends.” But until then, let’s stay focused, stay sharp, and make this our strongest month yet.
Tony Mora
Roseville
Hi Team Loyalty,
Our team is fully committed to hitting our ambitious stretch goal of $71,000 for the month of September. With the holidays fast approaching, we're building strong momentum by finalizing the showroom remodel and adding fresh, eye-catching jewelry to our display cases just in time to capture early seasonal shoppers. We've been working diligently to reprice aged inventory to move it more efficiently, while also clearing out our broken zone to create a more polished and appealing presentation. With focus, teamwork, and a continued push to maximize every opportunity, we’re confident we’ll not only meet but exceed our goal.
John Mark
Hello Team,
What a month! August was a major success, and we couldn’t have done it without the collective effort and dedication of our amazing team. Thanks to the continued success of our layaway program, customer want lists and just having the drive to succeed. We were able to hit our monthly sales stretch goal a huge win that speaks to both the strategy and the hustle behind the scenes. A big shoutout to the entire team for doing everything possible to never walk a sale. Your commitment, energy, and determination are what keep us moving forward.
Special recognition is due for some standout performances:
• Josh led the way with an incredible $36,000 in sales, outstanding work!
• Adam achieved his first-ever perfect sales month, congratulations.
• Stephanie hit the ground running, not only building strong client relationships from day one but also rearranging the sales floor to give the store a fresh, inviting look.
• Tito continues to crush it, excelling in both sales and loans, your consistency and drive are invaluable.
I’m proud of what we’ve accomplished together and grateful for this team. We’re also looking ahead, as we plan to bring a new hire on board, I’m excited about the momentum we’re building and what the future holds.
Let’s go team Broadway!
Kirby Erlanger
Florin Mall
Hello Loyalty Pawn Families,
I hope everyone had a fantastic August! Team Florin continues to maintain a strong loan balance of $2.4 million. However, our sales for August totaled $65.2k, which fell short of our goal of $86k. As we transition into September, we have set a new sales target of $82.1k, with an ambitious stretch goal of $94k, reflecting a 20% increase. Additionally, we are focusing on raising our layaway balance to $80k by the end of this month.
Team Florin also prioritized improving our Google reviews, resulting in 75 new reviews for August. We aim to continue this momentum in September, with a goal of reaching a total of 1,575 reviews by the end of the month. Achieving this target will require dedication and effort from all of us.
We recognize that there is significant work ahead, but we are determined and ready to meet these challenges head-on. Let’s make September a great month for Team Florin!
Mark Xiong
Top Performers in August
1st
2nd
Josh Bonton (Broadway #4) Norma Bobadilla (El Camino #1) Yaritza Rincon (El Camino #1)
Dominic Tognolini (Roseville #3) David Palomares (Florin #2)
Norma Bobadilla (El Camino #1)
3rd Norma Bobadilla (El Camino #1) Josh Bonton (Broadway #4) Adam Kimbro (Broadway #4) 4th Yaritza Rincon (El Camino #1) Yaritza Rincon (El Camino #1) David Palomares (Florin #2) 5th Adam Kimbro (Broadway #4) Adam Kimbro (Broadway #4) 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
Disney on Ice Presents Frozen & Encanto
Disney on Ice Presents Frozen & Encanto
Disney on Ice Presents Frozen & Encanto
Trans-Siberain Orchestra
Trans-Siberain Orchestra
Harlem Globetrotters
28th
January 19th, 2026 Monday 1:00 PM
Harlem Globetrotters January 19th, 2026 Monday 6:00 PM
Monster Jam
January 23rd, 2026 Friday 7:00 PM
Monster Jam January 24th, 2026 Saturday 12:00 PM
Monster Jam January 24th, 2026 Saturday 7:00 PM
Monster Jam January 2tth, 2026 Sunday 1:00 PM
PBR January 30th, 2026 Friday 7:45 PM
PBR January 31st, 2026 Saturday 6:45 PM
PBR February 1st, 2026 Sunday 1:45 PM
Toby Mac February 22nd, 2026 Sunday 6:30 PM
George Medina & Josi Cuen March 1st, 2026 Sunday 8:00 PM
Third Day April 23rd, 2026 Thursday 8:00 PM
Sacramento Kings Games
15th
11th
7:00 PM Kings vs. Hawks (2 Available)
Kings vs. Timberwolves
Kings vs. Suns
Kings vs. Grizzlies
Kings vs. Wizards
Kings vs. Trailblazers
Kings vs. Heat (2 Available)
16th
Kings vs. 76ers March 19th Thursday 8:00 PM
Kings vs. Nets March 22nd Sunday 7:00 PM
Kings vs. Pelicans (2 Available) April 3rd Friday 7:00 PM Kings vs. Clippers April 5th
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
September Birthdays
Stephanie Alfaro September 20th
Joshua Bonton September 25th
September Anniversaries
Johnathan Thao 3 years
August 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
• Loyal People Committed to Everyday Satisfaction
Loyalty Pawn Employee Services Corner
There are flowers enough in the summertime, More flowers than I can remember
But none with the purple, gold, and red
That dye the flowers of September!
Mary Howitt
(1799-1888)
SEPTEMBER CALENDAR OF NATIONAL EVENTS
• September 1 the first Monday of the month is Labor Day. Canadians also observe Labour Day.
• September 7 is also Grandparents Day this year. Honor your grandparents today and every day!
• September 11 is Patriot Day, held in honor and remembrance of those who died in the September 11, 2001 terrorist attacks.
• September 17 is Constitution Day. This day celebrates the adoption of the U.S. Constitution, which occurred on September 17, 1787
• September 21 is recognized as the annual International Day of Peace. Observances range from a moment of silence at noon to events such as peace walks, concerts, and volunteering in the community.
• September 22 marks the start of fall! This year’s Autumnal Equinox occurs at 2:19pm EDT. On this date, there are approximately equal hours of daylight and darkness.
• Sept 23 marks the start of Rosh Hashana a Jewish holiday for the beginning of the new year.
• September 29 is Michaelmas. Michaelmas is an ancient Celtic “Quarter Day” which marked the end of the harvesting season and was steeped in folklore.
Here are some more fun things to celebrate in September:
• September is National Happy Cat Month
• September 11: National Hug Your Hound Day
• September 13: Kids Take Over the Kitchen Day
• September 19: International Talk Like a Pirate Day
• September 24: National Punctuation Day
September Full Moon is on September 7th
September’s full moon, the Harvest Moon, reaches peak illumination on Tuesday, September 7, at 2:09 P.M. EDT.
Read more about September’s Full Moon! This year, it is the Full Corn Moon! SEPTEMBER GARDENING -Tips
Ten Things To Do In Your September GARDEN
Dig in! Add perennials and spring-blooming (fall-planted) bulbs to your garden.
• Make notes in your garden journal.
• Weeding.
• Stop pruning and fertilizing.
• Encourage annuals to self-seed.
• Leave seed heads standing.
• Clean up plants as they fade.
LOVE PEOPLE & COOK THEM TASTY FOOD!
The Ambitious Kitchen has some amazing recipes to try this month! Check it out! https://www.ambitiouskitchen.com/recipes-tomake-in-september/
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!
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 e malhotra.john@principal.com
Thank you for my subscription to the Old Farmer’s Almanac for inspirational quotes and the Ambitious Kitchen for this month’s Love People, Cook them Tasty Food content for LP’s Three Ball’s Chronicle this month.
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
