Tuesday, January 22, 2019

The Ins And Outs Of Pawn Shops

The United States is home to roughly 10,000 pawn shops, says the National Pawnbrokers Association (NPA). We've all heard of pawn shops, but few of us have ever sold or pawned items to them. Let's dig into the basics of pawn stores and see how they operate.

What Does Pawn Mean?

Pawn loans have three primary characteristics: they will never appear on credit checks or financial history reports, they are typically not large, and pawnbrokers are not legally allowed to ask for the money they loaned back. Keep in mind that pawn shops also buy products from customers, meaning that customers are not able to sell those products back to pawnbrokers to get their money back as in pawn loans.

How Do Pawn Stores Make Money?

These businesses, typically owned by independent entrepreneurs, make money through a variety of methods. Pawn shops primarily engage in the following activities: making pawn loans to people and charging interest, reselling new and used items that were purchased from customers, cashing checks, sending money orders, and selling cellphone services, among others.

What's the Typical Interest on Pawn Loans?

APR stands for annual percentage rate, or the total amount of interest accumulated on a loan in a year's time. The APR of pawn loans hovers anywhere around 75 to 150 percent per year. Most pawn shops charge interest by the month at around 10 percent interest. Keep in mind that defaulting on pawn loans automatically results in the transfer of ownership of your collateral to the pawn shop.

How Much Money Do Pawnbrokers Lend?

The typical range of return on items pawned to these stores is between 25 and 60 percent of what the item's fair market value is. Pawnbrokers refuse to purchase certain types of items, though this typically depends on owners' personal preferences. Pawn shops aren't the most popular way of getting money in a pinch, though they've served countless millions of Americans over the years. They offer several unique benefits to companies in financial services and specialize in jewelry pawn shop forest park.

Friday, January 18, 2019

Mrs Renfro's Gourmet Foods Prize Pack Giveaway

GIVEAWAY DETAILS

Prize: Mrs. Renfro's Gourmet Foods Prize Pack (4 jars of winner’s choice!)

Hosted by: Home Jobs By Mom

Are you a blogger? CLICK HERE to get a FREE link added to this giveaway. Just post and report!

If you have any questions or are a brand/company and would like to work with Home Jobs By Mom please email krystle (at) homejobsbymom (dot) com or contact me. Also, to be informed of new giveaways and blogger opps sign up for our newsletter HERE.

Thank You So Much For Visiting Today!

Saturday, January 12, 2019

5 Sustainable Swaps To Make In 2019

** This post contains affiliate links which means I will be paid if you make a purchase through my links! I am very grateful for any help however, I completely understand if you would rather visit the website directly to make your purchase! **

On my journey to creating a healthier home, I’ve learned that living sustainably is all about making small changes.

Seemingly insignificant actions — like bringing your own bags to the store — add up quickly.

One of the easiest swaps I’ve made is using Grove Collaborative. Grove makes it almost too easy to live a healthier, more sustainable lifestyle.

Grove ships your favorite green household products (carbon offset) to your doorstep, on your schedule. There’s no fee to join — you only pay for the products you buy (and the prices are always lower than my local grocery store).

There’s never been a better time to try Grove Collaborative. Right now, when you place your first order of $20 from Grove using my link, you’ll receive:
Grove Concentrates
Grove Spray Bottle
Grove Matte Caddy
Grove Walnut Scrubber Sponges

(Existing customers will receive Grove Walnut Scrubber Sponges!)

Plus, if new customers spend $39 you will receive all of the above AND a Grove Stoneware Tray!

When you shop Grove, you’ll find lots of better-for-you versions of the products you use every day. Here are five sustainable swaps I’m making in the New Year:

Refillable hand soap: Hand soap refills are an easy way to save money and reduce plastic waste. Instead of a single-use dispenser that you toss after a few weeks, you can refill this glass dispenser year after year. Grove’s hand soap pouches use 60% less plastic than a bottle of the same size and contain approximately 3 refills.
Refillable dish soap: I’ve always loathed the plastic bottle of dish soap sitting on the counter, but haven’t been able to find an alternative until now. Grove’s refillable dish soap dispenser looks great sitting next to the sink while helping me cut back on single-use plastic.
Seedling paper: Instead of vowing never to use paper towels again, I’m making the switch to Grove’s new tree-free paper towels. They’re made from bamboo pulp, which can hold 3x its weight in water! Switching to Seedling paper towels, toilet paper, and tissues is an easy way to protect the environment without compromising on effectiveness.
Beeswrap: Sometimes, you just need a piece of plastic wrap to cover a wedge of cheese or keep a loaf of bread fresh. When that happens, I’ll be reaching for Beeswrap. Beeswrap is a beeswax-coated cloth food wrap that you can rinse and reuse. It keeps food fresh and looks cute sitting on the counter.
Cleaning concentrates: Not only are clunky bottles of cleaner a pain to carry in from the car, they create so much plastic trash. Grove Collaborative’s cleaning concentrates deliver the same cleaning power I’m used to, minus the waste! Plus, the glass bottle is so much prettier than the typical plastic ones.

Bonus tip: Once you’ve submitted your Grove order, you’ll be signed up for the free 60 day VIP trial. For 60 days, save even more with free shipping, free gifts, price matching, exclusive sales and personal service. And if you spend $39, you’ll also receive a beautiful stoneware tray for free!

Friday, January 11, 2019

Pups Save Puplantis DVD GIveaway

Welcome to the Pups Save Puplantis DVD Giveaway!

1 Winner

This giveaway is part of our Valentine's Day Gift Guide – Stop by to see all the giveaways and great products.

Host that put together this giveaway is SaraLee’s Deals, Steals, and Giveaways

My co-host for this giveaway are Michigan Saving and More

Below is a list of all the bloggers involved in the gift guide giveaways.

Bargnhtress, Deliciously Savvy, Giveaway Gator, Heartbeats ~ Soul Stains, Java John Z’s, MarksvilleandMe, Michigan Saving and More, My Crafty Zoo, My Silly Little Gang, SaraLee’s Deals Steals & Giveaways, Tales From A Southern Mom

~~~~~~~~~~~~~~~~~~~~~~~~

This giveaway's Sponsor is:

Nickelodeon Jr

WEBSITE ~ FACEBOOK ~ TWITTER ~ INSTAGRAM ~ YOU TUBE

The PAW Patrol are diving back in for 6 underwater adventures! Join Marshall, Chase, Zuma, Skye, Rubble, and Rocky as they save Puplantis, rescue a wiggly whale and save the Sea Patroller from Pirates!

Pups Save Puplantis DVD

up to $9.99 rv

See the review HERE.

Available on Amazon

~~~~~~

THE GIVEAWAY

This giveaway/sweepstakes is in no way endorsed, affiliated, or associated with Facebook, Twitter or any other Social Media Networking Site. This Giveaway is valid to United States residents only, Entrants must be 18+ years of age to enter. This giveaway event will end at 11:59 PM (EST) 2/1/19. The winner will have 48 hours to email their information back to SaraLee at s8r8l33 at yahoo.com or a new winner will be drawn, you may want to put this email address as safe as it could go to spam. The giveaway is not valid where prohibited! By entering you are authorizing us to collect the information on the form below, this information is used only to contact the winner! No purchase necessary, Void where prohibited by law, and the number of eligible entries received determines the odds of winning. Winners are chosen randomly by the Giveaway Tools program. The sponsors are each responsible for shipping of the above prizes. No blog associated with this contests are responsible for prize fulfillment. If you would like to be a sponsor in a giveaway like this please email SaraLee at s8r8l33 at yahoo.com. If you take an entry you must stay following for the entire contest or you will be disqualified.

Also we all “love it if you like us” on Facebook! If you like our blogs on social media it helps us bring you only the best giveaways and more of them! Don't forget to stop by for your daily bonus entries.

Enter below and Good Luck!

Entry -Form

Thursday, January 10, 2019

Wiivv GIveaway

GIVEAWAY DETAILS

One lucky winner is going to win a pair of completely custom sandals from Wiivv.

Prize: $129 Wiivv custom fit sandals ~ Winner Chooses Colors!

Hosted by: Home Jobs By Mom

You can enter more giveaways on the sidebar or main menu too!

Also we all “love it if you follow us” on Instagram!

Don’t forget to stop by for your daily bonus entries

One entrant will be selected by the entry form to win one pair of custom sandals from Wiivv. Open for entry US, 18 years and older from 12/30/18 thru 01/30/18. No purchase necessary. Void where prohibited. This giveaway is in no way endorsed, affiliated or associated with Facebook, Twitter or any other social media networking site. The winner will have 24 hours to respond to notification email to claim their prize or a new winner will be selected. Once the winner is drawn and confirmed, the name will be announced on the GiveawayTools form. Wiivv will be responsible for sending the winner their prize.

Are you a blogger? CLICK HERE to get a FREE link added to this giveaway. Just post and report!

If you have any questions or are a brand/company and would like to work with Home Jobs By Mom please email krystle (at) homejobsbymom (dot) com or contact me. Also, to be informed of new giveaways and blogger opps sign up for our newsletter HERE.

Thank You So Much For Visiting Today!

California Design Den Sheets Giveaway

Welcome to the California Design Den Sheets Giveaway!

1 Winner

This giveaway is part of our Valentine's Day Gift Guide – Stop by to see all the giveaways and great products.

Host that put together this giveaway is SaraLee’s Deals, Steals, and Giveaways

My co-host for this giveaway are Michigan Saving and More

Below is a list of all the bloggers involved in the gift guide giveaways.

~~~~~~~~~~~~~~~~~~~~~~~~

This giveaway's Sponsor is:

California Design Den

WEBSITE ~ AMAZON

Dedicated to delivering high-comfort bedding that’s on-trend and built to last, California Design Den™ is your source for linens that strike a perfect balance between trend-setting style and premium construction. Their team has decades of experience bringing together bedding collections for savvy customers and top retailers around the globe.

400-Thread-Count 100% Cotton Sheets

up to $54.99 rv

color and size of choice

See the review HERE.

Available on Amazon

~~~~~~

THE GIVEAWAY

This giveaway/sweepstakes is in no way endorsed, affiliated, or associated with Facebook, Twitter or any other Social Media Networking Site. This Giveaway is valid to United States residents only, Entrants must be 18+ years of age to enter. This giveaway event will end at 11:59 PM (EST) 1/31/19. The winner will have 48 hours to email their information back to SaraLee at s8r8l33 at yahoo.com or a new winner will be drawn, you may want to put this email address as safe as it could go to spam. The giveaway is not valid where prohibited! By entering you are authorizing us to collect the information on the form below, this information is used only to contact the winner! No purchase necessary, Void where prohibited by law, and the number of eligible entries received determines the odds of winning. Winners are chosen randomly by the Giveaway Tools program. The sponsors are each responsible for shipping of the above prizes. No blog associated with this contests are responsible for prize fulfillment. If you would like to be a sponsor in a giveaway like this please email SaraLee at s8r8l33 at yahoo.com. If you take an entry you must stay following for the entire contest or you will be disqualified.

Also we all “love it if you like us” on Facebook! If you like our blogs on social media it helps us bring you only the best giveaways and more of them! Don't forget to stop by for your daily bonus entries.

Enter below and Good Luck!

Entry -Form

Tuesday, January 8, 2019

$100 Amazon Gift Card Giveaway

GIVEAWAY DETAILS

Prize: $100 Amazon Gift Card

Hosted & Sponsored by: Home Jobs By Mom

Rules: Use the Giveaway Tools form to enter daily. Giveaway ends 01/31 and is open to the United States or anywhere that can redeem an Amazon gift card. Entrants must be 18 years old to enter. Winner will be notified via email.

Good Luck! Enter Below

Entry -Form

Also, you can enter more giveaways on the sidebar or main menu!

Also we all “love it if you follow us” on Instagram!

ONE entrant will be selected by the entry form to win a $100 Amazon Gift Card. Open for entry US (or anywhere that can redeem an Amazon gift card), 18 years and older from 01/03/18 thru 01/31/18. No purchase necessary. Void where prohibited. This giveaway is in no way endorsed, affiliated or associated with Facebook, Twitter or any other Social Media Networking Site. The winner will have 24 hours to respond to notification email to claim their prize or a new winner will be selected. Once a winner is drawn and confirmed, the name will be announced on the GiveawayTools form. Home Jobs By Mom will be responsible for sending the winner their prize.