Is there a more appropriate phrase than \"cash on site\" while you wait? \"On January, when the bill expires, the salary check will shrink with the deduction, the warm beach beckons, and it may be tempting to withdraw money at the pawnshop. Nevertheless, January is not the busiest month in the Church of St. mctaney. The fourth said: \"This is the four seasons of the year. Lead Chris Short \"We have thousands of people every week, including frequent visitors to us every month or every week. They come on Monday and come back on Friday. \"Many of them are bridge financing that helps people tide over the difficulties. \"If you go beyond the tacky reputation of dirty stock shops that are so prevalent in pop culture, venture into a local store and use jewelry as collateral for loans or resale, what will be there? Do you have to be wary of a liar who might take you to the cleaners? This has happened recently in Calgary, where a man is charged 207,981 interest. Local stories make headlines across the country. Not to worry. These places are not terrible. Licensed pawnshops in the province, including high-end Oliver jewelry from Mount Forest and mctaney, have now entered 147 and are reputable businesses regulated by the Ontario pawnshop act. \"We have not received a lot of complaints about pawnshops,\" said Anne Hart, director of Better Business Bureau. \"They are very frank. This is one of the business deals that people know very well. \"However, a woman who comes to a reputable pawnshop with a diamond ring after separation or divorce may still be shocked. Russell Oliver revealed: \"It\'s not unusual that when the person knew he was about to divorce, he changed the diamond to cubic zirconium. Short said, \"We let both sides come in and sell their wedding rings, but a lot of women were made tall and dry by that person, they will come down and sell their ring to pay for the next mortgage to keep the house. \"He said that when someone wanted to pawn a piece of gold they bought from a friend, he met more people who were cheated and we tested if it had gold, but I don\'t know the truth. \"Oliver revealed to a woman every few months that a sneaky ex-boyfriend had changed her stone. Within an hour of opening one morning this week, among the top four customers A man in clothes Take the carat diamond ring out of his bag. Oliver estimated its value at about $12,000. The man was just one of dozens of people who came to Eglinton\'s locked door when Oliver shouted, \"Is there something to sell? \" Next, a 24-year- The old woman in casual designer costume pulled out a pair of earrings from her Prada wallet-\"a rich woman from the corner,\" Oliver said after leaving . \". She wants to sell earrings for $20. Oliver says that people usually bring the jewelry they inherit and don\'t want to keep it, or \"they want to throw it away because it has bad karma in an old relationship. Others are \"jewelry fans\" who keep buying and selling \". Oliver is fine. From his TV commercials. \"Everyone likes my products,\" he said of giving people money . \" \"It\'s so interesting. He said: \"He can make an assessment and hand over the cash within two minutes. Oliver began selling jewelry in 1970, but now limits the business of buying old jewelry or lending cash to jewelry as a guarantee. He only sold it to other dealers. Every customer is asked, \"Do you want to sell or do you want a loan ? \"? \"For the loan, a piece of jewelry valued at $20,000 will remain for about $10,000,\" he said. \"We are going to lend you $2,000 to $6,000, to $. \"You will be charged 5 cents interest on the amount of the loan each month for at least one month. In the long run, up to a year, your pawn item will be securely locked up until you recover it by repaying the loan and interest. At the end of the year, if you have not recovered the item, you will receive a registered letter informing you that unless you pay at least full year interest and renew the loan within 15 days, otherwise you will lose any claim for your pawn item. Both short and Oliver said more pawn items were recycled. While most of McTamney\'s deals are loans, from instruments, tools and tap pens to statues and golf clubs, McTamney accepts everything, there are more and more people selling goods. \"People are laying off jobs,\" Short said . \". \"Children are not interested in what their parents have. Entertainment has changed. \"His shop has boxes and shelves full of silver and silver -- Tableware set, fine porcelain, decorative items. \"The social structure has changed,\" Xiao observed . \" \"We see this through what people bring. Mctaney no longer accepts movie cameras. \"Digital in a strict sense,\" he said . \" Still, it was jewelry that took up his business-\"jewelry has not changed. \"This is also very common. Both short and Oliver say they have gained more customers from ethnic and immigrant communities such as South America, the Philippines and the Middle East. First of all, gold jewelry and premium watches are easy to carry and maintain their value anywhere in the world. In short, many immigrants to Canada \"grew up with pawnshops all their lives \". They are more common outside North America. \"The most valuable jewelry that is used as collateral for loans or sold to dealers is not diamonds. \"They were artificially exaggerated,\" Oliver said . \" \"They are from North America. They may fall down and become worthless. \"Every day, he patiently explains to hopeful customers that they believe they have a treasure, and that their little or broken diamonds are worth only a few dollars, not enough \"It was too small for the loan,\" he explained to a lady, who showed him the ring her mother had bought. \"But these are diamonds,\" she protested . \" \"I know,\" he replied, \"but very small. \"Unlike some pawnshops in the city who are willing to arrange loans for less than $100, Oliver\'s usual minimum loan is about $200. \"$10,000, or even $30,000, is common and we already have a loan of $200,000,\" he said. \"What he likes to see most is Rolex watches,\" the best-selling item in jewelry. \"We will lend the value of Rolex to 30 to 40 cents. I bought a $6,000 Rolex for $3,500. Rolex is in great demand all over the world. \"Maybe that\'s why, he says, people bring fake Rolex into his store every day. But as far as he knows, no despicable predecessor has changed fake Rolex to real Rolex.