THREE BALLS CHRONICLE VOLUME 7 / ISSUE 1 January 2024
IN THIS ISSUE Letter from the President Letter from the General Manager Loyalty Pawn Family Security Awareness 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
Team Loyalty! Happy New Year Team Loyalty! We hope that everyone had a wonderful holiday with their friends and families! We do not have any more kings game lefts for this season but we do have many events left, so make sure to get those requests in. We are so thankful for the hard work and dedication to Loyalty Pawn from each and every team member, so thank you all very much! Everyone did an amazing job in 2023 and we cannot wait to see what 2024 will bring!! Lastly, if anyone has any suggestions for new things that we can add to the newsletter please reach out and let me know.
President’s Letter Hello Team Loyalty, It is unbelievable how fast 2023 came and went! Happy New Year’s to everyone in the Loyalty Pawn Family. I wish for everyone to have a happy, healthy, and prosperous 2024! We had a terrific revenue year, our highest ever, we beat last year by about $35,000. December was our highest revenue month; we beat last December by $11,000 and December was our highest Pawn Service Charges beating out this past September by $8,000. Those are all terrific numbers, but it does show that our sales lacked a little bit and our Pawn Service Charges had significant growth so we will have to keep our eyes on these numbers. We are heading in the right direction as we need our revenue growth to combat our rising expenses. The expenses were foreseen due to the inflationary period the United States economy is in, so nothing concerning here just yet. We also ended the year with our largest loan balance ever. Congratulations to the entire Loyalty Pawn Family! I would like to focus on building and maintaining our company culture. It is vital for any company in business today to make culture an integral part of their business model. When Loyalty Pawn was formed our amazing leadership team spent a great deal of time making our culture the core of how we would grow the company, it has clearly worked it is important to always make culture a priority and reevaluate the needs to make sure we work as a team. We always welcome input from any team member. I thank you for a great 2023 and look forward to seeing what we can do in 2024, I am certain we will make it another outstanding year. Thank You, Stan Lukowicz, III
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Letter from the General Manager Dear Loyalty Pawn Team, I hope everyone had a Happy New Year! I am thrilled to share the exciting news of our outstanding performance in December! Your hard work and dedication have truly paid off, making it a month to remember. Our December goal was to achieve a 10% increase compared to 2022 and the stores maintained an 8% growth compared to December 2022. Both Florin and Broadway had the largest sales increase in December. Sales Achievements - A special congratulations to our top performers: 1. Dominic T - 1st Place 2. Norma B - 2nd Place 3. Josh B - 3rd Place
Your exceptional sales efforts have set a remarkable standard for the team. Your commitment to excellence is truly commendable. Not only were you the top 3 for the month but you were the top 3 for the quarter! Top Productivity Performers - The top productivity performers for the last quarter of 2023: 1. Dominic T. - 1st Place 2. Norma B. - 2nd Place 3. David P. - 3rd Place
Your commitment to productivity has played a crucial role in driving our team’s overall success. Your hard work and efficiency are a testament to your professionalism and dedication. Loan Growth - In addition to our sales achievements, I'm delighted to report significant positive growth in loans for the year. Since the beginning of 2023, we have grown 11% in our loans. This not only showcases our team's ability to meet customer needs but also reflects our continued success in the market. Your collective efforts have not only driven our sales but have also contributed to the overall growth of our organization. As we celebrate these achievements, let's carry this momentum into the new year, working together towards even greater success. Thank you for your unwavering dedication and commitment to Loyalty Pawn. Here's to a fantastic year ahead filled with continued success and growth! Best regards, Wayne Silliman, General Manager “Change the way you look at things and the things you look at change” Wayne Dyer 3
Loyalty Pawn Family Happy New Year, Loyalty family! I sincerely hope that you had a wonderful Christmas and a happy new year. It's always vital to pause when you start and reflect, refocus on how to set and achieve our New Year's goals. As we've been saying all year last year, retail has been our main focus of discussion. This year, we have a new direction we're going to be going with. It starts with selfaccountability and moves on to store and team accountability. We rely on everybody to hold themselves accountable and pull their own weight to make and surpass our retail goals for this year. We are going to be working hard to give you every tool and avenue to hit these benchmarks. As I've said numerous times in leadership meetings, there's no secret to where the success is in retail. We are going to heavily rely on our layaway balances and e-commerce sales to hit these benchmarks. Like I've said in the past, the most successful team members we have in retail utilize these avenues religiously and are on top of every single one of their clients when it comes to making their follow-up calls and making sure they pay on time. So, let's all reset and continue to work hard so we can surpass our own individual goals and make 2024 the best year we've ever had. This month, we are going to get to know Norma, an SLA from the El Camino team. As we move forward, let's remember the importance of added value and personal accountability. 1. 2.
What's your favorite way to spend a day off? I enjoy going shopping with my daughters. Where's the next place on your travel bucket list and why? The next place on my travel bucket list is Sinaloa, Mexico. I'm interested in visiting because of its rich culture and beautiful landscapes. 3. What was your favorite age growing up? My favorite age growing up was when I was 15 because I had a quinceañera, which was a special celebration. 4. Do you have a favorite holiday? Why or why not? Yes, my favorite holiday is Thanksgiving because I get to spend quality time with my family and enjoy delicious food. 5. What was the last thing you read? I haven't had much time to read recently, other than news articles. 6. What was the last TV show you binge-watched? The last TV show I binge-watched was a Netflix show called "S.W.A.T." 7. Are you into podcasts or do you only listen to music? I prefer listening to music over podcasts. 8. What's one thing that can instantly make your day better? Spending time with my kids can instantly make my day better. 9. What's one goal you have for this year personally and professionally? One goal I have for this year is to continue growing personally and professionally and to maintain my good work. 10. Ideally, how would you spend your birthday? Ideally, I would spend my birthday with a small gathering of friends and family, enjoying good food and company. 11. What's your favorite board game? My favorite board game is Monopoly. 12. What's the best way the company can celebrate you and your team for successes? Having get-togethers at different places would be a great way for the company to celebrate me and my team for our successes. 13. What causes are you passionate about? I am passionate about cancer treatment and supporting those affected by it. 14. What's an essential part of your daily routine? An essential part of my daily routine is getting my kids ready for school, including fixing their clothes and dressing them. 15. Who or what inspires you in your career? My colleagues inspire me in my career. 16. What's something an outsider wouldn't know about your industry? An outsider may not know that my industry is an amazing career choice with great opportunities. 17. What's the career highlight you're most proud of? I am most proud of achieving my sales goals in my career. 18. Do you believe in having a "five-year plan"? Yes, especially when it comes to owning a house. 19. What's the best piece of advice a family member has given you? The best piece of advice a family member has given me is to always try my best. 20. What is your definition of success? My definition of success is being able to provide for my family and create a comfortable life for them.
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Security Awareness Qualifying our clients is an essential step when selling items to us at Loyalty Pawn. By implementing a thorough qualification process from the beginning of the transaction to the end, we can ensure that we do not purchase stolen goods and maintain our reputation as a trustworthy and ethical business. Let's explore this process and illustrate it with two different stories on how we acquire items. When a client approaches us to sell their items, we begin by conducting a detailed assessment of the goods they wish to sell. This assessment involves verifying the authenticity, condition, and value of the items. We also ask for proof of ownership, such as receipts or documentation, to confirm that the items are legally obtained. In addition to the physical assessment, we engage in conversations with the sellers to gather more information about the origin and history of the items. We inquire about how they acquired the goods, their reasons for selling, and any relevant details that can help us establish the legitimacy of the transaction. This information allows us to build a profile of the seller and assess their credibility. To further ensure that we do not purchase stolen goods, we have established strong relationships with local law enforcement agencies and cooperate closely with them. We regularly share information about stolen items and collaborate in identifying potential sellers who may be involved in illegal activities. This collaborative effort helps us maintain a high level of vigilance and prevent the purchase of stolen goods. Now, let's delve into two different stories that demonstrate how we acquire items while upholding our commitment to avoid purchasing stolen goods: Story 1: A client named Sarah visits our store with a collection of antique jewelry. She provides us with detailed documentation proving her ownership and explains that the pieces were passed down through generations in her family. We carefully examine the jewelry, verify its authenticity, and assess its value. After ensuring that everything is legitimate, we offer Sarah a fair price for her items. Story 2: Michael, a regular customer, brings in a high-end camera that he no longer needs. We have built a strong relationship with Michael over time, and he knows our commitment to ethical practices. Michael presents us with the original receipt, explaining that he purchased the camera for his photography business but no longer needs it. We inspect the camera, validate its authenticity, and offer Michael a competitive price based on its condition. By qualifying our clients and implementing stringent assessment procedures, we can confidently assure our customers that we do not purchase stolen goods. This commitment not only protects our business from legal issues but also maintains our reputation as a reliable and trustworthy pawn shop. Additionally, it is essential for our staff to exercise caution and vigilance when going through clients' bags, boxes, or pouches. There have been instances where we discovered more items than initially expected. To ensure the safety of both our staff and the clients' belongings, it is good practice to first conduct a visual inspection before handling any items. This step helps us identify any potential risks or unexpected items and allows us to handle the transaction with care and professionalism.
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Shop Talk Manager Updates El Camino Our Team Loyalty, New Year, New Goals! I trust everyone had a fantastic New Year's Eve surrounded by loved ones. Personally, my celebration was a bit low-key I found myself in bed by 12:02. Nevertheless, I'm excited about the possibilities the new year brings, and I hope you all are too. As part of the Loyalty Pawn family, I want to share my New Year's resolution with you. This year, my focus is on transforming my physique by reducing body fat from 20% to 15% while gaining an additional 20 pounds of muscle. This involves committing to a healthier diet and bidding farewell to my buddies Jack, Jameson, and Mr. Makers. Fingers crossed for success! Speaking of goals, Team El Camino has set ambitious targets for January. We're aiming for $65,000 in sales, a 20% increase from last year. But that's not all our vision extends throughout the year, with a goal of reaching a layaway balance of $180,000, which marks a $50,000 increase. Considering our current inventory stands at $263,000 and is steadily growing, achieving these milestones is not only feasible but exciting. These would be profitable numbers for Loyalty Pawn as well as our team members. Team El Camino did take the Bronze medal for the month of December but we believe that with motivation and willpower from each team member, we can turn these aspirations into reality. After all, why settle for reaching the moon when there are already footprints on it. Let's aim high and make this year one for the books. In conclusion, I wish everyone a safe and profitable January. Let's embark on this journey together and make 2024 a year of triumph and achievement for Team Loyalty Pawn! Cheers, Tony Mora
Roseville Hello Team Loyalty, As we kick off the new year, I want to extend my heartfelt gratitude to each and every one of you for your hard work and dedication throughout 2023. Your commitment has been instrumental in our success, and I am truly proud to have such a dedicated team at Loyalty Pawn. I hope each of you had a safe and enjoyable New Year's celebration, surrounded by loved ones and positive energy. Now, let's channel that energy into making 2024 an even more remarkable year for Loyalty Pawn. Our yearly goals for Roseville in 2024 are ambitious! Goal one is to achieve a loan balance of $1,334,000.00. Goal two is to reach $722,000.00 in sales this year. Goal three is to achieve a layaway balance of $100,000.00. Your dedication to providing excellent service ensures that our customers continue to trust and choose Loyalty Pawn so we can hit our goals. Remember, each contribution, no matter how large or small, contributes to our collective success. Let's embrace the challenges and triumphs that this year will bring, supporting one another every step of the way. Thank you once again for your exceptional efforts, and here's to a year filled with growth, prosperity, and shared achievements. Justin Martinez 6
Broadway Hello Team, Broadway is happy to say we surpassed our goal for December we are looking forward to keep the momentum going through January. We will be pushing layaways and making our new year resolution. John will be working on buying land in Tennessee, Kirby is going to work on keeping deadlines better, Josh plans to make it into top 5 sales every month, Lola is going to work on slowing down and making fewer mistakes, Jonathan wants to do his time with Elco and come back, Dom plans to work on time management. Adam said he doesn’t do resolutions he does goals, and his goal is to sign up for health insurance during this years open enrollment. Finally, Jason in ebay want to break record numbers for eBay department. John Mark
Florin Mall Hello Everyone, I hope you all had a wonderful Christmas and a happy new year. It's hard to believe that 2023 is already over and we're now in a new year. I'm excited to see what 2024 has in store for us. I have a strong belief that this year will be a record-breaking one for Loyalty Pawn in terms of sales and loan balance. I want to take a moment to congratulate Team Florin for hitting our sales goal for December. Although we fell a little short of our stretch sales goal of $95k, we still achieved an impressive $93.3k in sales. I am incredibly proud of Team Florin for their hard work and dedication. Not only did we meet our sales goal, but we also managed to increase our layaway balance from $77k to almost $90k. This is a great accomplishment! As we enter 2024, we have set even higher goals for Team Florin. We will be striving to put our best foot forward and achieve these goals. It won't be easy, but with strong will and determination, anything is possible. Our yearlong goals are loans to hit $2.25million in loan balance, maintain and hold a $200k layaway balance and $970k in sales by the end of 2024. For the month of January, Team Florin will be aiming for $71k in sales, which is a 20% increase from what we sold in January of 2023 and change our current layaway balance with a 20% increase and end January with $106k in layaway balance. I want to wish everyone a happy new year and let's start off this first month of 2024 strong. Together, we can make this year a successful one for Loyalty Pawn. Happy 2024! A new year is a new chance; to become what you wanted to be and to change what you have been thing of Mark Xiong
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Top Performers in December 1st 2nd 3rd 4th 5th
Sales
Productivity
Phys Transactions
Dominic Tognolini (Roseville #3)
Dominic Tognolini (Roseville #3)
David Palomares (Florin #2)
Norma Bobadilla (El Camino #1)
Norma Bobadilla (El Camino #1)
Danni Robinson (Roseville #3)
Josh Bonton (Broadway #4)
David Palomares (Florin #2)
Dominic Tognolini (Roseville #3)
Ah Xiong (Florin #2)
Ah Xiong (Florin #2)
Norma Bobadilla (El Camino #1)
Danni Robinson (Roseville #3)
Matthew Stevenson (Roseville #3)
Ah Xiong (Florin #2)
December End of Month Balances Loyalty Pawn #1 El Camino Loyalty Pawn #2 Florin Loyalty Pawn #3 Roseville Loyalty Pawn #4 Broadway
Loan Balance
Purchases
Layaway Balance
$1,762,537.00 $1,958,247.00 $1,211,932.00 $1,087,376.00
$21,841.00 $32,714.00 $23,600.00 $15,595.00
$113,778.32 $89,202.29 $75,112.40 $116,638.73
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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 you 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! 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!
Event
Day
Date
Time
Harlem Globetrotters
January 15th
Monday
1:00 PM
Harlem Globetrotters
January 15th
Monday
6:00 PM
Cody Johnson
January 19th
Friday
8:00 PM
Monster Jam
January 26th
Friday
7:00 PM
Monster Jam
January 27th
Saturday
1:00 PM
Monster Jam
January 27th
Saturday
7:00 PM
Monster Jam
January 28th
Sunday
1:00 PM
PBR
February 2nd
Friday
7:45 PM
PBR
February 3rd
Saturday
6:45 PM
PBR
February 4th
Sunday
1:45 PM
Toby Mac
February 8th
Thursday
7:00 PM
Gloria Trevi
February 10th
Saturday
8:00 PM
Disney on Ice
February 15th
Thursday
7:00 PM
Disney on Ice
February 16th
Friday
7:00 PM
Disney on Ice
February 17th
Saturday
11:00 AM
Disney on Ice
February 17th
Saturday
3:00 PM
Disney on Ice
February 17th
Saturday
7:00 PM
Disney on Ice
February 18th
Sunday
11:00 AM
Disney on Ice
February 18th
Sunday
3:00 PM
Disney on Ice
February 18th
Sunday
7:00 PM
Disney on Ice
February 19th
Monday
11:00 AM
Disney on Ice
February 19th
Monday
3:00 PM
Madonna
February 24th
Saturday
8:00 PM
Playpoi Carti
February 25th
Sunday
8:00 PM
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Marca MP
March 1st
Friday
7:30 PM
Bad Bunny
March 5th
Tuesday
8:00 PM
Fall Out Boy
March 3rd
Sunday
6:30 PM
Nate Bargatze
April 5th
Friday
8:00 PM
Luis Miguel
April 7th
Sunday
8:00 PM
Gabriel Iglacias
April 20th
Saturday
8:00 PM
Kane Brown
May 10th
Friday
7:00 PM
Kane Brown
May 11th
Saturday
7:00 PM
NF
June 8th
Saturday
8:00 PM
Tim McGraw
June 29th
Saturday
8:00 PM
Pepe Aguilar
July 29th
Saturday
8:00 PM
Los Temerarios
August 24th
Saturday
8:00 PM
Franco Escamilla
September 28th Saturday
8:00 PM
Zach Bryan
November 29th Friday
8:00 PM
Zach Bryan
November 30th Saturday
8:00 PM
Kings Games
Day
Date
Pacers vs. Kings
Thursday
January 18th
7:00 PM
Hawks vs. Kings
Monday
January 22nd
7:00 PM
Pistons vs. Kings
Wednesday
February 7th
7:00 PM
Nuggets vs. Kings
Friday
February 9th
7:00 PM
Spurs vs. Kings
Thursday
February 22nd
7:00 PM
Heat vs. Kings
Monday
February 26th
7:00 PM
Bulls vs. Kings
Monday
March 4th
7:00 PM
Spurs vs. Kings
Thursday
March 7th
7:00 PM
Rockets vs. Kings
Saturday
March 10th
3:00 PM
Bucks vs. Kings
Tuesday
March 12th
7:00 PM
Lakers vs. Kings
Wednesday
March 13th
7:00 PM
Knicks vs. Kings
Saturday
March 16th
7:00 PM
Grizzlies vs. Kings
Monday
March 18th
7:00 PM
76ers vs. Kings
Monday
March 25th
7:00 PM
Mavericks vs. Kings
Tuesday
March 26th
7:00 PM
Mavericks vs. Kings
Friday
March 29th
7:00 PM
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Time
Jazz vs. Kings
Sunday
March 31st
6:00 PM
Clippers vs. Kings
Tuesday
April 2nd
7:00 PM
Pelicans vs. Kings
Thursday
April 11th
7:00 PM
Suns vs. Kings
Friday
April 12th
7:30 PM
Trailblzers vs. Kings
Sunday
April 14th
7:30 PM
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January Sales Flyer
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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
FEBRUARY -- Amethyst
MARCH – Aquamarine
APRIL – Diamond
MAY – Emerald
JUNE –Pearl & Alexandrite
JULY – Ruby
AUGUST – Peridot
SEPTEMBER – Sapphire
OCTOBER – Opal & Tourmaline
NOVEMBER – Citrine & Topaz
DECEMBER – Topaz & Turquoise
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Anniversaries, Birthdays and New Hires December Anniversaries Danni Robinson 2 years Justin Martinez 10 years
January Birthdays Dmae Shannon January 14th
December New Hires We don’t have any new hires this month.
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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
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Loyalty Pawn Employee Services Corner January … Janus am I; oldest of potentates; Forward I look, and backward, and below I count, as god of avenues and gates, The years that through my portals come and go. –Henry Wadsworth Longfellow, American poet (1807–82)
The Month of January January was named for the Roman god Janus, known as the protector of gates and doorways, who symbolize beginnings and endings. Janus is depicted with two faces, one looking into the past, the other with the ability to see into the future. What a fitting symbol for this first day of the year; this month is our door into the new year. The Romans often made promises to Janus and exchanged good wishes. History of January The months of January and February were not originally in the ancient Roman calendar as the winter months were considered dormant, both in terms of agriculture and also in terms of making war. This was a time of peace. Until 450 BCE, the Roman calendar was 10 months, beginning in March (Martius), due to the March Equinox. Remember, March was named for “Mars,” the god of War who was also an agricultural guardian. We got you covered! Starting January 1st all eligible employees can add, drop, or enroll for the first time in our awesome group health plans that include Medical, Dental, Vision coverage and enjoy the benefits from Loyalty Pawn’s HRA Debit Card for qualifying medical plans. Open enrollment ends Jan 16th and the new plan year coverage starts February 1st. If you miss this open enrollment window for group health, you will not be able to enroll or make changes until the next open enrollment – and that is over a year away! If you do not plan to make any changes and are super satisfied with your current health plans, you do not need to do anything. Your plan will roll over with only one slight change…. there is a slight premium rate increase. Benefits: Choice of plans from Cal Choice- Loyalty contributes $150 per month toward the cost of your selected medical plan. HRA (Health Reimbursement “Benny Card” to help with cost of out of pocket expenses on select plans. Dental with Humana and Vision with Humana. Log in today! www.workforcenow.adp.com
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January…Celebration Days • •
•
•
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January 1 is New Year’s Day. January 5 brings Twelfth Night, an English folk custom that marked the end of Christmas merrymaking, and in ancient Celtic tradition, the end of the 12-day winter solstice celebration. On Twelfth Night, it was customary for the assembled company to toast each other from the wassail bowl. January 6 is Epiphany. According to the New Testament’s Gospels, on this date the Magi—the three wise men or kings—venerated and brought gifts to the infant Jesus. Bake a beautiful Epiphany Tart or a King Cake with a lucky bean inside! January 156 is Martin Luther King Jr. Day (observed). This holiday is held on the third Monday in January and honors the principles of this civil rights leader and Nobel Prize Winner dedicated to nonviolence. January 17 is Benjamin Franklin’s birthday. He was not only a world-renowned statesman, inventor, and scientist, but was also fascinated by agriculture.
January … Just for Fun Days Did you know that January is National Clean up your Computer Month and National Hot Tea Month? Celebrate these fun holidays this month: • • • • • • • • • • •
January is National Clean Up Your Computer Month and National Hot Tea Month! Here are some more fun things to celebrate in January: January 1: Z Day (On this day, those whose last name begins with “Z” get to go first instead of last.) January 3: National Chocolate-Covered Cherry Day January 6: National Bean Day January 8: Elvis Presley’s Birthday January 10: National Houseplant Appreciation Day January 14: National Dress Up Your Pet Day January 20: National Penguin Day January 22: National Answer Your Cat’s Questions Day January 29: National Puzzle Day Forgotten Customs: Going Back to Work!
Butternut Squash Soup! Ingredients 3 tablespoons butter. 2 tablespoons chopped onion. 1 medium carrot peeled and chopped. 3 tablespoons of all-purpose flour. 4 cups warm chicken stock. 2 pounds butternut squash, peeled, seeded, and cut into large cubes. 1 clove garlic. 1-1/2 cups milk. 1/2 cup light cream. 2 tablespoons maple syrup, or to taste. chopped fresh parsley, for garnish. freshly ground black pepper, for garnish. Instructions In a large stockpot, melt the butter over medium-low heat. Add the onion and carrot and cook for about 5 minutes, or until the onion is tender. Sprinkle the vegetables with the flour and, stirring constantly, continue cooking for 3 minutes. Remove the pot from the heat and add the chicken stock. Add the squash, garlic, and parsley, and simmer, covered, for 45 minutes. Set aside to cool for 10 minutes. In a blender or food processor, purée the mixture until smooth, in batches. Return the soup to the pot, add the milk, cream, and syrup, stir to incorporate, and heat through. Garnish with parsley and black pepper. 17
Make Ahead: This soup can be prepared up to the purée stage, covered, and refrigerated for 4 days or frozen in an airtight container for 1 month. To use: For each serving, combine 1/2 cup of the thawed purée, 2 tablespoons of milk, 2 teaspoons of cream, and 1 teaspoon of maple syrup, then heat through. 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. Our enrollment entry dates are January 1 and July 1st. So now’s the time to enroll or you’ll need to wait until July 1st. Either way, here’s to your continued retirement health, wealth, peace and prosperity. Contact Employee Services at employeeservices@loyaltypawn.com Start saving for retirement’s tomorrow, today! The full Moon in January happens when there are cold, long nights in the Northern Hemisphere, a time when the ground is frozen and winds whip the snow around. Trees and shrubs are deep into their dormancy and wildflower seeds await warmer weather to sprout. It’s time for the soil to rest before the next season of life-giving growth. Above ground, howls break the silent nights giving rise to a widely used name for January’s full Moon: the Wolf Moon. Full Moon January 2024: Thursday, January 25 Peak Illumination: 12:54 p.m. Eastern Time Shout out to the Old Farmers Almanac for providing all fantastical sources for your reading and almanac pleasure!
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! 916-752-2255 employeeservices@loyaltypawn.com 18
Loyalty Pawn Corporate Office: 1708 Broadway Sacramento, Ca 95818
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