Loyalty Pawn's Three Balls Chronicle Volume 5 Issue 7

THREE BALLS CHRONICLE

VOLUME 5 / ISSUE 7

November 2022 IN THIS ISSUE

Letter from the President

Letter from the General Manager

Loyalty Pawn Family

Store Manager Updates

Golden 1 Center Events

Upcoming Sales

Monthly Birthstone Guide

Upcoming Birthdays and Anniversaries and New Hires

Loyalty Pawn’s Core Goals, Values and Visions

Employee Services Corner

Team Loyalty!

Happy Holidays! As we enter into our busiest season and Christmas right around the corner, make sure finish this year strong as ever. This year has just flown by! Thanksgiving is Thursday, November 24th and we will be closed so make sure to have an amazing day spent with friends and family. Don’t forget to check out the monthly newsletters electronically, on the Issuu app so that you can share your hard work to your friends and family! We have many new events and Kings games that are available so be sure to check that out starting on page 8 and get your requests in for King’s games or other events for you and your families, so you can take part in this great opportunity. Keep doing an amazing job Team Loyalty!!

President’s Letter

Hello Team Loyalty,

November is here, unbelievable! That means the holiday season is here. What are your store goals? What in store holiday promotions and decorations are we planning? Do any stores need any specific inventory or help in preparing to have a successful holiday season? Can you or have you considered opening on Sundays (starting after Black Friday)? We purchased items at the California Pawnbrokers Association Expo. Those items will be dispersed once we receive and process them through Bravo. Fill up those showcases and display shelves, be sure to merchandise properly and start the sales competitions, within your location and amongst other locations. Let us have fun with this holiday season but also reach those stretch goals! Speak to your managers about inventory needs, let Wayne, Javier and Tony know of any inventory needs.

We had a wonderful time and had some amazing educational sessions at the CAPA (California Pawnbrokers Association) Convention that some of us attended in October. Are there any specific educational needs? If there is anything more, you would like to improve your skills at and it would be a benefit to the company and our team, let us know. We meet many industry leaders and educators at the conventions, and I would like to get our training sessions back on a consistent basis. We have the training facilities, and I would like to start utilizing them and making us better pawnbrokers and retailers. We can all learn together, and we can always learn more!

Finally, some of you may know already, I was appointed and took the position as CAPA President. I am truly honored to fill this position as CAPA has accomplished so much for our industry, avoiding burdensome regulation, small revenue increases allowing us to stay in business and stay competitive and enabling our industry to afford the cost of doing business in California and protecting our client's privacy and rights. In 2022 we passed a bill that would require us to report items only information to the Department of Justice CAPPS system. We are still required to obtain all client information as usual. There will be a new procedure for, when Law Enforcement comes into the store looking for a possible stolen item, that we will get to everyone when this new law becomes effective. I look forward to continuing to promote, enhance and protect the California Pawn brokering Industry, like many great leaders before me have. This will be great for me and great for Loyalty Pawn.

Happy Holidays,

Stan Lukowicz, Jr

Letter from the General Manager

Greetings Everyone,

Can everyone believe that November is already here? It feels like 2022 is going by too fast. The change in the weather is here. Our summer season felt like it went from blazingly hot to a week’s work of fall. Now, it’s time for heavy outdoor clothing! Where in the world has fall gone?

As always, I like to present the top salespeople for the month. In October, the firstplace salesperson was Dominic T. The second place goes to Paul M. and the third place goes to Mark X. Congratulations team! We are currently working on more jewelry for this holiday season and expect to have some items added to your inventory very soon. We’re eager to sell and move our inventory for the next two months. Before letting reasonable offers leave, let’s consult our management team to see if we can save the sale.

We’re nearing the holiday season and the sales are as important as ever. Please continue to push our layaways if a sale cannot be secured. We like to compare historically where we were and where we’re going to goal set. One year ago, our company’s layaway balance was 175K more than where it is today. The good news is many of those layaways have been picked up. The bad news is this lower balance will affect our future sales for the next 4 to 6 months. This can be corrected by offering if missing a sales opportunity. We look forward to seeing the layaway balance grow again.

Lastly, I thank those who participated in the Halloween holiday spirit. The stores were all decorated, and the teams had fun organizing like-minded Halloween attire. It is no secret that we all have plenty of work to do. It is refreshing to see many others celebrating and having fun while working. If you haven’t seen the pictures of the Broadway team, you should take a look!

Sincerely,

Wayne Silliman General Manager

“Don’t watch the clock; do what it does. Keep going”. -Sam

Levenson

Loyalty Pawn Family

Hi There, Loyalty Family!

First off, I'd like to congratulate Stan on his election as CAPA president. It was so awesome to be there for his inauguration and see him in action. It's clear from seeing him in action for so many years that I’ve worked for him that he's a born leader I can't wait to see what he does next! We're also seeing some big changes in the political climate right now. There's an election going on, and it looks like we might have some new people coming into power at the capital. What does this mean for us? Well, it means that we get to meet and greet our new elected officials and introduce them to our industry. We've already held a few of these meetings at the Broadway location, but we'll be hosting many more in the coming time. These meetings are great opportunities for us to work with our local politicians and get bills passed that will benefit us as pawn brokers. It would take up too much space in this chronical if I tried to explain everything we learned at the convention there were so many takeaways! But one of the vendors started a program called "Pawnshops for Parks" basically pawnbrokers are working together to give back even more to their communities. This program concentrates on only raising awareness and giving back to parks that are in bad shape. If anyone would like to know more information or would like to get involved, please reach out! This month we're going to get to know Stephanie Alfaro, who is new team member of the Florin Mall team!

1. Who is your hero and why? My dad, He’s been working since 13 never complains works a normal union job and has his own landscaping company.

2. What is your favorite family vacation? Favorite family vacation would have been our road trip to Mexico in 2007 with the whole family.

3. What did you want to be when you were small? When I was younger, I wanted to be in the medical field.

4. What is your favorite game or sport to watch and play? I enjoy watching football with my partner.

5. What would you sing at karaoke night? I personally would not sing too shy.

6. Have you ever had a nickname? What is it? Steph has always been my nickname

7. Would you rather win the lottery or work at the perfect job? And why? I would rather win the lottery, to be able to purchase homes for myself and my parents also to invest in my own business.

8. Who would you want to be stranded with on a deserted island? I’d be stranded with my partner; he would be able to guide us and help us survive.

9. If you could go back in time, what year would you travel to and why? I’d travel back to the 80’s-90’s just to experience a different era and live through it.

10. How would your friends describe you? Very loyal, kindhearted, always willing to lend a helping hand.

11. What is the worst gift you have ever received? None, I've always been very appreciative.

12. What are some of your hobbies? My hobbies include spending time with family/friends, experimenting with new makeup looks.

13. If you were a super-hero, what powers would you have? The ability to help more than one person at a time.

14. What would you do if you won the lottery? Buy a house.

15. What is the tallest building you have been to the top of? The rooftop to a hotel building 6 stories high.

16. What is your favorite holiday and why? Christmas, I love the idea of spending quality time and eating good food.

17. What is your favorite sports team? No favorite.

18. What is one of your favorite movies? Django.

19. What three items would you take with you on a deserted island? Water, blankets, and lighter.

20. What was your favorite subject in school? English.

21. What is the most unusual things you’ve ever eaten? Octopus

22. Do you collect anything? No.

23. What three things do you think of the most each day? Dinner, family, and how I can improve any situation that bothers me.

24. On a scale from 1-10 how funny would you say you are? Solid 8.

25. Where do you see yourself in 6 months? Striving in my workplace, having balance between work/home.

Shop Talk Manager Updates

El Camino

Team Loyalty,

It's that time again, sweater weather! as we get chilly this November our sales stay sizzling. Congrats to Roseville for hitting 58,430.03 and Elco coming in at 2nd at 57,480.64. Thank you team El Camino. Hope everyone had a safe Halloween as we continue with the 4th quarter, we have a goal of 70K this month with our new inventory and our new sale of the month. We are also excited have a Tyrah Walls back from her baby bonding time off as we grow together as a team and as a company standing at $1.5 loan balance we are still growing. Also Thanksgiving is in a couple days hope everyone has a great turkey day with friends and family. On another note, team Elco will be decorating for the Holidays and we are also getting ready for Black Friday fingers crossed we sell everything in our case. Fun fact November's birth flower is Chrysanthemum.

Tony Mora

Florin Mall

Loyalty Pawn Families,

I hope everyone is doing well. It’s getting to that time of year again where we start to hear Christmas Carol Music again. I cannot believe 2022 is about to come to an end. We are excited to see 2023 already. What is going on at Florin, well I wanted to introduce everyone to our new edition to Team Florin. Her name is Stephanie Alfaro, 1 ½ weeks in and she is already doing counter deals. We are super excited to see that she is learning and improving at a fast pace. If you haven’t yet, please reach out to her and introduce yourself. Team Florin is still holding a strong $1.6mil in loan balance with a $71k layaway balance. The top sale here at Team Florin for the month of October is Paul Molina with a total of $16.5k and me with a total of $13.6k with third place David at $6k. We also ended with a total of $48.5k in natural sales. We do have an awesome sale for the month of November 30% off everything in the store. Team Florin will be having a raffle the week of Thanksgiving for a turkey dinner giveaway. We are already decorating for these festive holidays coming ahead. Again, this is the perfect opportunity to push these age inventory with this awesome 30% off sales. We also want to thank Wayne, Javier, and John for getting us more jewelry inventory right before the holidays and I am sure this will help increase our sales for the next few months. Well, I want to wish everyone a happy Thanksgiving and be safe and enjoy this special time with your loved ones. Today I will do what others won’t, So Tomorrow I can accomplish what others can’t. – Jerry

Rice

Mark Xiong

Roseville

Hello Team Loyalty,

I hope everyone had a fun and safe Halloween this year! I don’t know about you, but it seemed to be a little bit slower this year. I only had a handful of tricker treaters come to my house and I bought way too much candy lol. I want to give a huge shout out to the Roseville team! We were able to take first place in store sales for the month of October! Great job Brittany Dom and Danni you killed it and I’m so proud of our team. I also want to give a shout out to eBay. Jason, for a one man show you did amazing for the month of October. Great job on and keep up the good work! #beatebay! Now the question is who’s going to be on top for the month of November? We have a huge sale of 30% off everything for our Black Friday all month-long sale and I cant wait to see how great all the stores do.

Justin Martinez

Broadway

Hello Team,

Broadway has been having a great time and getting work done. We have been listing tons of items on offer up and clearing our layaways. Calling customers to come pay on them, putting new ones down and putting those premium goods back out that haven’t been paid. We all dressed up for Halloween as the scooby doo gang and had a blast handed out candy and decorated the store. But now the real work comes down as Christmas is closing in on us we have a lot of work ahead of us but looking forward to it.

John Mark

Top Performers in October

October End of Month Balances

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! 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!

November Sales Flyer

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

FEBRUARY Amethyst

MAY – Emerald

APRIL – Diamond

JUNE –Pearl & Alexandrite

JULY – Ruby

AUGUST – Peridot

SEPTEMBER – Sapphire

OCTOBER – Opal & Tourmaline

NOVEMBER – Citrine & Topaz

DECEMBER – Topaz & Turquoise

Anniversaries, Birthdays and New Hires

November Anniversaries

Ramsey Lewis 4 years

November Birthdays

Johnnathan Thao November 16th

Jason Wagner November 19th

October New Hires

We would like to welcome our recent new hires to our Loyalty Pawn family.

Stephanie Alfaro to our Florin team! Welcome

Stephanie!!

Loyalty Pawn’s Goals, Values, and Visions

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

“The Leader in Local Lending”

Loyalty Pawn Employee Services Corner

November …

And the dead leaves lie huddled and still, No longer blown hither and thither; The last lone aster is gone; The flowers of the witch-hazel wither

Robert Frost (1874-1963)

Exciting Loyalty Pawn | Payroll News!

Team Loyalty Pawn will begin the transition process of leaving ADP Run starting the last two weeks in December for a January 1, 2023, go live with ADP Workforce Now platform.

This will provide both a substantial cost savings to Loyalty operations as well as provide improved job costing reports and improve documentation and HR visibility, not to mention significant employee savings through ADP’s Lifemart discounts!

This fully integrated ADP Workforce Now suite features Human Resources, Payroll, Benefits, Talent Management, Time & Labor Management and HR Analytics capabilities that we’re limited with in ADP Run. Plus, Workforce Now integrates simply and securely with other best-of-class HR and business applications through convenient APIs and the ADP Marketplace.

Be on the look out for your invitation to register for the new ADP Workforce Now employee account and mobile app mid-December! Once we transition, you will no longer have access to Run and your employee dashboard will look a little different, but your time and attendance will be the same, just in the new Workforce Now account.

All employees will be required to register with the new ADP Workforce Now account so that you can start using the new Workforce Now time card. Details to be provided in December. Nothing you need to do right now. Just a heads up pre announcement.

November…Celebration Days

• November 1 is All Saints’ Day.

• November 4 is also Will Rogers Day.

• November 5 is Sadie Hawkins Day

• November 6 at 2 A.M. is the end of Daylight Saving Time.

• November 8 is Election Day (U.S.). Don’t forget to vote in state and federal elections! Every vote counts.

• November 11 is Veterans Day (U.S.) and Remembrance Day (Canada).

• If you’re fortunate, you may experience an “Indian Summer” in November; but according to the traditional definition, it can only occur between November 11 and 20!

• November 19 is Discovery of Puerto Rico Day.

• November 24 is Thanksgiving Day (U.S.). Understand the history and origins of Thanksgiving.

• November 28 is also the First Sunday of Advent

November… Just for Fun Days

• November is Banana Pudding Lovers Month who knew? Here are some more wacky celebrations to look forward to:

• Nov. 1: National Cook for Your Pets Day

• Nov. 6: Zero-Tasking Day

• Nov. 9: National Scrapple Day

• Nov. 16: National Button Day

• Nov. 21: World Hello Day

• Nov. 23: Fibonacci Day

November Astronomy

The Full Beaver Moon

November’s full Moon is traditionally called the Beaver Moon. Why this name? In the Colonial Era, this was the month to set one’s beaver traps before the swamps froze and beavers retired to their lodges, to ensure a supply of warm winter furs.

In 2022, November’s full Moon occurs on Tuesday, November 8.

Thanksgiving Turkey

Option 1: The simplest roast turkey breast

While a traditional Thanksgiving feast may involve carving an entire turkey at the table, a simpler or more intimate Thanksgiving works with simply roasting the turkey breast. One advance of roasting just the breast is that it comes out juicy and doesn’t get dry.

• Then just add your sides like mashed potatoes, seasoned stuffing, your favorite seasonal greens and don’t forget dessert!

Turkey Cooking Tips

Ensure one pound per person or more if you want to ensure leftovers! Order or buy 2 to 3 weeks in advance!

Have a good roasting pan and a rack (which often comes with the pan) plus an instant-read thermometer for safety, if not peak flavor. See how to use a meat thermometer.

If you buy a frozen turkey, it’s important to start defrosting days in advance one day for every four pounds and it is recommended that you defrost it in the refrigerator. If your turkey is not frozen, unwrap it a couple days before cooking and let it air dry in the refrigerator so the air dries its skin tight.

You don’t need to truss your turkey (tie up the legs) unless you’re stuffing the bird. Keep in mind that a trussed turkey takes longer to cook.

Have plenty of turkey or chicken stock on hand. Make sure you know how to carve a turkey before you’re facing the big bird!

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! 916-752-2255 employeeservices@loyaltypawn.com

Loyalty Pawn

Corporate Office: 1708 Broadway

Sacramento, Ca 95818