Pawn Shop Negotiation 101

Pawning may not be the best option to get extra cash but for all of us who need quick money, this is one popular way to do it.While we have the option to get extra cash through short term loans or selling an item, pawn stores still find a variety of ways for us not to get the maximum appraisal value of what we sell. This article lists down the tips that will help us in negotiating with pawn stores.

1.    Don’t disclose where we got the items. For instance, we should refrain from telling various pawn stores that we got an item from a garage sale because of two reasons: first, making such claims means that the item doesn’t have any sentimental value to us and second, this shows that we’re likely to agree with whatever amount they will offer us.

Pawn Shop2.    Never tell them how much we paid for that item. Whenever we purchase something at the mall, do we ask the sales staff if how much did they pay for selling that item? Or if we request for a bank loan, do we ever ask the teller if they have funds for all the loan requests? Of course, we don’t. Same thing applies when we sell or pawn our items to a pawn shop. They don’t care about how much we paid for it because they will just offer an appraised value of that item based on their own terms.

3.    Stay away from telling them the cost of an item. All pawn stores are there to make profits out of appraising items. It’s THEIR responsibility to determine the item’s value, not ours. So, if we know that our jewelry is worth $1500, then we have to keep this to ourselves until they figure out its value. If these shops really want to purchase our item, let them spend some energy to appraise it.

4.    Have an estimated appraisal value in mind before stepping inside a pawn shop. Don’t give our all-out trust to the appraisers. For all we know, they are just trying to provide much lesser value for our item than its true value. If we accept it, it’s their gain and that’s our loss. One good way to prevent this is by having an estimated appraisal value of that item with the help of other people.

5.    Wait for them to make that first offer. There is one excellent tip that can be applied whenever we do some negotiations: the first one to make the first offer loses. Whether that’s a proper value of the item or not, sharing that first offer will always benefit the other. For instance, if we want a $1500 for a certain jewelry, let the pawn dealers offer a particular amount first so that we can know if we’re getting somewhere between 70 to 80% of our desired amount. If we make the first move of telling that desired amount, pawn shop dealers might provide an offer that’s about half of the item’s real market value.

6.    Don’t agree to the terms immediately. It’s our right to clarify any loan amount, interest rates, additional fees and payment options before entering into an agreement. Keep in mind that our valuables are on the line and we want to make sure that we can walk away with them once we’re done paying all the charges within the covered period.

7.    Ask if we are required to present necessary documents. We are all required to submit proper identification to all pawn stores to ensure safety and security of our items. If they didn’t ask for any, we’re probably dealing with a fly-by-night shop.

8.    Prepare to walk out their doors. If we feel that they offer shady services, unreasonably low appraisal rates and questionable loan terms, we can walk out their door and look for the next shop. We shouldn’t settle for their offer which is equivalent to 50% less of the item’s real market value. If this is the case, then we can also consider selling the item at auctions or on eBay if this is the case.

By keeping all these tips in mind, we can always prepare ourselves for the worse that could happen when we are about to sell or pawn our items.

We can also check out sites like to find a pawn shop that fits our needs.

Things To Remember When Considering Cremation

Everything in this world is temporary, including us. All of us will die however, we have no idea of how and when our life is going to end. And upon reaching death, our loved ones should have to dispose our bodies, isn’t it?

Planning for our death is essential so that they can already know our choices – being cremated or being buried, memorial or columbarium, black or white dress and others.


If we will look into it, there are a lot of differences when it comes to burial and crematory services. For instance, the burial basics that we need to know include getting preserved and dressed, being placed in a casket, being viewed by beloved ones for a number of days and lastly, being buried approximately six or seven feet under the ground.

But what are the basic things that we need to know about cremation?

How does that happen and how can that change our vision of an ideal funeral?

This article lists down some of the things to know about cremation that can help us decide if that’s really the way we wanted to be disposed:

• Since we will be cremated directly, there’s no need for any formal or pre-burial events. Hence, we can avoid the costs of having a traditional burial service.

• The place to go is the companies that offer crematory services, not the funeral homes.

• Our cremated bodies are usually placed inside an urn or simple jar and not inside a costly casket.

• There’s no visitation, viewing or wakes to be conducted before cremating our bodies. This eliminates the process of embalming (to prevent some smelling and rotting) and other preparations.

• Our loved ones may conduct memorial services at a later time which saves money and effort on arranging our interment.

• We can still have the option to be viewed by our families and loved ones before being cremated.

However, we should take note of the price that we may need to add for some embalming and body storage. If we choose not to get buried under the ground, then we can save some money on grave plots and markers.

• Consider some religious practices. If we are part of a certain religious group or organization that prohibits the process of cremating bodies, then don’t include it in the plan. Catholic Church is one example of a religious organization that allows it while Orthodox Church goes for the opposite.

Funeral services• There are other ways for us to get buried. A lot of us don’t welcome the idea of getting buried in other ways if we prefer being cremated. For most of us, cremating our bodies into ashes would also mean that our loved ones should have to spread them. This is completely fine but we should also have be open for some other ways that can keep our ashes. With the help of modern technology, our ashes can now be mixed with a painting or used as a tattoo ink. For some of us who want to go beyond that, we can request our ashes to be converted into jewelleries.

• There will be several ashes, literally. Cremation is equivalent to huge number of ashes and this should not limit our loved ones on what to do our ashes. We can ask them to mix our ashes with paintings or tattoo inks. For more creative options, we can have them ask for help in making a figurine our jewelleries out of our ashes.

• Cremating is sometimes environment-friendly. Modern-day processes of cremating bodies offer eco-friendly ways of producing ashes – without emitting even a single smoke. However, these may cost more than the regular type of crematory services but if we really care for the environment up to the last breath, this is worthy to try.

• We can plan them easily. With the presence of Internet, planning for our own burial or cremation just got easier. By checking, you can already select the right service for your death that suits your budget and needs in just a few clicks.