PawnShopPro @PawnshopPro
Chain of Pawnshops/Commercial Real Estate Development/NNN Landlord United States Joined January 2023-
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“Tax Season” seems to have come to an end, if its not a head fake with more tax money to be released then it was one of the shortest and weakest “tax seasons” in recent memory (10 years or so)
Always curious how restaurants maintain a staff during “tax time” big portion of them get large refunds. Usually this means not returning to work until the money is gone.
After speaking with multiple customers regarding their tax refunds this year. They all have one thing in common, the people getting $10k+ in refunds are all scheduled to receive that money on Thurs 22nd.
Surprisingly the tax time hit we usually deal with has not happened yet. Filers with dependents have not received their tax returns yet. Could see big influx in next couple weeks. Usually significant amount of pawn customers take the tax refund loans offered by most tax filers.
Its officially “$TAX TIME$” Brace for impact!!! Good luck going to the following: Car Lot, Restaurant, Mall, Amusement Park, Movies, or Hair Salon/Nail
Just had to fire an employee, dishonest behavior from employees always builds on itself. Hit is for $1500 in blink of eye yesterday because they thought they could get away with it. Sucks but far from biggest employee generated loss.
Sometimes your employees just do not pay enough attention. Other times they are in on the scam.
One of the biggest expenses for a pawn shop is fixing damage from attempted break ins. We usually come up with some interesting security measures every year that we implement at all stores once a new technique is being used.
Interesting thing that people are always surprised to see in a pawn shop. Brand new TVs. People buy them with store credit cards and sell them in order to get cash. We always open them to make sure the item is actually in the box. Old scam from the 80s was a brick in a VCR Box.
When watching college bowel games it often times reminds me of the 3-4 times couple ex ball players sold their bowl rings to pay a bill. Was very interesting to look them up and see they played in NFL. We always scraped these items, didn’t feel right selling them.
Customers comes back to redeem their pawned item. Employee retrieves the item and its been damaged. What happens next? You come out of pocket to replace the item or offer cash compensation. This doesn’t happen very often but when it does its an awkward situation.
Blah week for loaning money, until today we loaned out several large loans. Must be some last minute Christmas shoppers. Majority of the time people borrow to keep the lights on or gas in tank. Few days of the year it is to splurge. One of the biggest splurges is Fireworks.
Retail sales are down while loan interest payments are up for 2023. Good tell on the economy of the working man. In the pawn business we do care if the economy is weak or strong. We just adjusted accordingly and revenue usually stays about the same but from different sources.
We have had several large redemptions of pawns in December. These type of redemptions don’t usually occur until “tax time”. Where is the average joe getting money they usually don’t have this time of year?
Interesting thing happened today: Customer walks in has hand tool set missing pieces, something we would pass on. We pass. Then he says “guess I will have to doordash to get some funds”. Made me wonder how much doordash/uber eats were taking the place of the short term lenders?
The one thing slowing growth our growth is lack of willing and able employees. The average joe has been trained during the covid lockdowns to not work. Going to have to get bad for them to snap out of it.
When gold/silver is making a short tern low we see an uptick of bullion and junk silver buys from customers. Very rare pawn customers sell at the top.
We self manage our real estate portfolio. Starting to see some of the marginal tenants who were struggling try to skip out on their lease. For perspective we had no one miss rent payment during covid. We specialize in Mom and Pop type tenants.
With short term T bills offering over 5% we have been aggressively putting excess cash into T Bills. We used to buy small strip centers in Southern US with excess cash we have not done so since 2019, the risk reward was not there.
The pawn business is a very fragmented business. Besides the two publicly traded companies $FCFS and $EZPW, the rest of the US and world is separated into individual cities controlled by a few families in each market of the US.
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A business friendly environment with a reasonable cost of living and a growing population - investing here seems obvious.
They are need to go back to their home countries. We can't survive as a country if this is allowed to happen.
We do more deals with mom-and-pop businesses than national tenants. I’m often asked: “But, where’s the credit?” The credit’s the fact that sushi spot is that family’s entire livelihood. The credit is the $250k of their money they invested in the space. The credit is that…
The new 1% - tan - land owners - families - think steak is healthy - healthy - believe in higher power - happy - business owner - cook all your own food - homeschool - fertile - isn't full of seed oils & plastic - own a cow
I am just getting old or is getting absolutely hammered drunk extremely cringe* *other than during big celebrations
Ladies: You can't say you hate men... and then expect one to want you. Weird that I even need to say that out loud.
@eade_bengard Sweetheart women have been pregnancy trapping men since the dawn of time this isn’t some new tiktok trend … it’s how I’m married now 😘
@huntercdurham Maybe the year after bankruptcy is not the time to take a bunch of trips? Don’t know the context here but there are def times to slash expenses, this seems like one of them
@moseskagan Just not true. Taxes aren’t the issue facing working class people — in fact, when I earned less money I found the taxes I paid to be just right. Blaming taxes is an easy distraction from other systemic issues causing inequality.
@moseskagan What if we did it by taxing real estate like other investments?
@moseskagan @InnocenceCapit1 So, if the person advocating for this subsidy doesn’t want to pay for it by increasing their own taxes, where is the $$ going to come from?
@moseskagan Why do you want to hurt the little guy?
How are you gonna handle this situation?🧐
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