Collateral loan & seCondhand dealers assoCiation …hotmail.com Steve Diamond Diamond Jewelry & Loan Santa Maria, CA Phone: (805) 349-0839 [email protected] Michael Elliott North American

October 22-24, 2010

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fall 2010

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Yigal Adato Easy Cash Community Pawn Center San Diego, CA Phone: (619) 280-7296 [email protected]

Larry Anapolsky California Loan & Jewelry Sacramento, CA Phone: (916) 446-6175 [email protected]

Art Artinian All Season Pacoima, CA Phone: (818) 896-4366 [email protected]

Sergey Biryukov Alvarado Pawn & Jewelry Los Angeles, CA Phone: (213) 413-4440 [email protected]

Doug Brown Highland Park Pawnbrokers Los Angeles, CA Phone: (323) 254-2834 [email protected]

Richard Cohn Reed’s Diamond Company Los Angeles, CA Phone: (323) 262-9127 [email protected]

Steve Diamond Diamond Jewelry & Loan Santa Maria, CA Phone: (805) 349-0839 [email protected]

Michael Elliott North American Metals Van Nuys, CA Phone: (800) 773-1626 [email protected]

Stephen Foster Fresno Coin Gallery Jewelry & LoanFresno, CA Phone: (559) 222-2646 [email protected]

Dave Goglio Big Ben Loan Office San Jose, CA Phone: (408) 294-3143 [email protected]

Robert Goldstone, Treasurer Emeritus Danville, CA Phone: (925) 820-3140 [email protected]

Michael Hyman Pawn Advantage Store Santa Rosa, CA Phone: (707) 527-7296 [email protected]

Dwight Kelly Super Xpress Pawn Riverside, CA Phone: (951) 785-5610 [email protected]

Stan Lukowicz, III Capital City Loan Sacrmaneto, CA Phone: (916) 334-7296 [email protected]

Jacob Notowitz Numis international, Inc. Millbrae, CA Phone: (650) 697-6570 [email protected]

Jan SchneiderR & J Jewelry & Loan San Jose, CA Phone: (408) 295-3610 [email protected]

Barry Smith BG Loan & Jewelry Co. Bell Gardens, CA Phone: (562) 927-7296 [email protected]

Jordan Tabach-Bank Beverly Loan Company 9440 Santa Monica Blvd., # 301 Beverly Hills, CA 90210 Phone: (310) 275-2555

Seth Ward Union Life and Casualty Insurance Phoenix, AZ Phone: (800) 545-5624 [email protected]

Officers

Diane Taylor President Trader’s Loan & Jewelry Reseda, CA Phone: (818) 345-8696 [email protected]

Robert Verhoeff Immediate Past President Best Collateral, Inc. Novato, CA Phone: (415) 883-5020 x 106 [email protected]

Tony DeMarco First Vice President Western Loan & Jewelry Los Angeles, CA Phone: (323) 268-4120 [email protected]

Israel Adato Second Vice President Express Financial Services San Diego, CA Phone: (619) 428-8003 [email protected]

Mike Robinson Secretary Crown Jewelry & Loan San Diego, CA Phone: (619) 284-7243 [email protected]

Michael Herda Treasurer Atlas Loan & Jewelry Bellflower, CA Phone: 562-263-7296 [email protected]

StaffKimberly Andosca Executive DirectorCLSDAP.O. Box 1826 Valley Falls, CA 95252 Phone: (209) 786-5115 Fax: (209) 786-5114 [email protected]

Copyright ©2010 CLSDA

Opinions expressed in these articles are

those of the individual authors and do not

necessarily represent the views of CLSDA.

ContentsPresident’s Message . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Capitol Update . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

New CLSDA Member’s Online Group . . . . . . . . . . . . . . . . . . . 8

Illegal Gold Buying — On The “What Can I Do About It” Front . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10

Mack’s Marketing Corner . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Hernandez Event Kicks Off 2011 Legislative Effort . . . . . . . .16

Now That’s Support!. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17

2010 CLSDA Convention Exhibit Hall . . . . . . . . . . . . . . . . . . .18

CLSDA Convention 2010 Master Schedule of Events . . . . . . 20

Legislative Committee — What’s Happening? . . . . . . . . . . . 24

Legal Update . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

New Members 2010! - Welcome . . . . . . . . . . . . . . . . . . . . . . . . 30

Directors

6 Collateral loan & secondhand dealers association of California

50104-UL&C MagAD 8x10.5.indd 1 6/15/07 12:47:02 PM

fall 2010 7

Our Convention is just around the corner! This year will be bigger and bet-

ter then ever! Our vendor Hall is completely sold out and our seminars are the best yet.

Not only will this years’ Con-vention be educational, it will be fun! You will have many opportu-nities to network with fellow pawn-brokers, industry vendors and your volunteer leadership.

We will provide you with a fed-eral update as to what Washington D.C. has done and what the future may hold for our industry.

One of many highlights will be our Gold Buyer/Law Enforcement Panel with our own attorney Jon Webster. This will give you an op-portunity to hear what you can do in your own cities to combat this prob-lem along with what CLSDA is doing to help protect its members.

Other sessions will include: What to expect from the new 1099 reporting requirements, fabulous sessions on how to make your own business more successful, how to stay away from human resource management problems and how to effectively communicate with your customers and employees. These are only a few examples of what we have in store for you.

The Convention we put on for you every year is the best way to become educated on what is happening in our Industry. Knowledge is “POWER”. Don’t miss out.

Again we’ve planned a fantastic fishing trip. It does not matter if you have fished before or not, you are in for a great time, and all gear is sup-plied for you. Or you can choose our very special southern CA pawn shop tour. It is always educational to see how other people run their shops. You may even learn something that you can use in your own shop! And you get lunch!

For all of you “Vegas” fans, we will be having a Casino Night follow-ing our Welcome reception on Friday. I hope to see all of you at the Univer-

sal Hilton for what is sure to be our best Convention ever!

I would also like to invite you to our Board of Directors Meeting on Thursday, October 21, 2010 starting at 9 a.m. at the Hilton. Here you will see how our Board works on your behalf to plan not only the direction for next year but we also work on ways to pro-tect our industry.

At this meeting we will be dis-cussing: • Our legislative agenda for next

year. Moving forward on a “fix-it” bill to help correct inconsistencies in current law that can and has hurt our members.

• What a public relations firm can do for us in California.

• Exploring the concept of “Continu-ing Education” with guest speaker Craig Rabiner from Ohio.

These are only a few of the topics that will be discussed. There is nothing more important that you can do then be informed and proactive. Please RSVP to the office ([email protected]) so that we can plan for space and food.

As we have seen our industry is no

longer under the radar. Gold has hit all time highs, Pawn Stars

and other TV shows have come into existence. We receive many, many calls a week from people wanting to become pawnbrokers. We must stay focused and become more involved in local, state, and national issues.

I’m looking forward to seeing all of you there!

Diane Taylor President CLSDA ■

President’s Message

50104-UL&C MagAD 8x10.5.indd 1 6/15/07 12:47:02 PM

October 22-24, 2010


By Bill Duplissea

CLSDA SpecificMarc LeForestier with the Depart-

ment of Justice, assures me that our request for federal funds to implement a statewide and uniform database is one of their priorities. Obviously the Attorney General himself is “otherwise occupied” at the moment. I believe af-ter November 2nd all parties will have more time to do their jobs.

AB 1810 failed passage August 30th, was granted reconsideration and the bill failed again on August 31st.

If enacted, Assembly Bill 1810 would have required registration of rifles and shotguns in the same way handguns are now registered in California. Under current law, the information collected at the time of purchase of a rifle or shotgun (se-rial number, make, and model) is de-stroyed after the background check is completed. AB 1810 would have required that the make, model, and serial number of the firearm, as well as the identifying information of the purchaser, be recorded and kept on file by the California Department of Justice.

The bill was moved to the inac-tive file and died when session was adjourned. It will likely be re-intro-duced in January. Perhaps CLSDA would like to offer suggestions to im-prove the idea.

General NewsAt Midnight on August 31, 2010,

the moment the State Constitution mandates that the 2-year Legislative session must come to an end, I was in the hallway outside the State Sen-ate listening to Member after Mem-ber congratulate themselves on all of their fine work over the past two years. They were thanking everyone for all the sacrifice, extra effort, and long hours put in over the past two years. Then they proceeded to leave town without a budget, as if it was the most natural thing that could happen. Our CLSDA members should know that it is not natural, it is not normal, in fact it is a violation of their sworn oaths upon taking public office. It is the Legislature’s duty to deliverer a budget (by June 15 for July 1).

It is unclear just how long Cali-fornia can go without a budget. Many guess it will be at least until Novem-ber 2nd. Many Republicans believe

that if Meg Whitman is elected Gov-ernor, she would be much tougher than Arnold. Many Democrats be-lieve that there is still a slim chance that the ballot proposition allowing a budget to be passed by a simple majority and not a 2/3rds vote might pass. Heaven help us if Proposition 25 does pass. As badly as things are going now with the Legislature’s in-ability to say no to spending, can you imagine what spending would be if they were unrestrained by the 2/3rds vote requirement? ■

Bill Duplissea

Capitol Update

We are very excited about our new CLSDA group online group communication feature. The member benefits include:

• Getting updates on Legislation • Getting updates on Legal Pawn matters• Access to our CLSDA attorney• Pawn alerts and news• Convention Times and Dates• Asking your peers industry related questions

Member Group Policy - This forum is provided by CLSDA for the free flow of

industry related information between CLSDA represen-tatives and members.

We expect members of CLSDA (a California incor-porated, not-for-profit professional Association) to con-duct themselves appropriately within this forum.

All online communication should be prepared and viewed with the same care as any other written form

of communication.Be aware that with online communication there is

an increased likelihood that comments will be cut, cop-ied, reproduced, and circulated beyond the audience for which they are intended.

CLSDA reserves the right to remove any online com-munication within this forum regardless of its content.

CLSDA may, in its sole discretion, remove any mem-ber from this forum, who posts a message or comment that contains offensive language or topics, whether of-fense was intended or not.

CLSDA shall not allow postings to the forum that include discriminative or offensive discussions of race, color, religion, national origin, age, ancestry, sex, sexu-al orientation, physical or mental disability, or any oth-er discriminatory subject prohibited by federal, state, and local law.

- Email: [email protected] ■

New CLSDA Member’s Online Group

Xcel Data Systems Inc. has been providing quality POS Software and Hardware products for the California Pawn Industry for over 20 years.

In that time, our company client base has grown to over 300 businesses in California using our software. In early 2000, our company started providing software solutions coast to coast as well as in Canada and Mexico, and now has approximately 750 pawnshops using our Pawnshop management software. Our software is in use by some of the Biggest and most profitable pawnshops in America, and in a lot of “Mom & Pop’s” too. Centrally located here in the Golden State, XcelData© is the right choice to provide you the best possible Software and Hardware products and support to help manage your business. Contact us today to see what we can do for you!

Improved Info\Stats. No guessing! At a glance customer qualifying. Imaging. Take Photos of Clients, ID’s, Pawn, and Inventory Items. See each loan item by line “scroll”. SDN Compliance. Check and Keep updated on the ever-changing list from the US Treasury Dept. Streamlined. We have put at your fingertips the features you need, with fewer keystrokes to get the job done!

Tried and Tested. Our Software is in use by over 300 Pawnshops in California alone. Built for California. Not Adapted, our software was built FOR the California Pawnbroker. Easy on the Wallet. Our software and support costs are usually below our competitors prices. We support our Industry. XcelData is a proud Member of the CLSDA and the National Pawnbrokers Assn.

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Proud Members of:


I had 2 or 3 different outfits regularly coming to Fresno to buy coins and gold. I got a meeting with Chief of

Police and Fresno Pawn Detail officers. The buyers were licensed. I challenged the FPD with the fact they hold off site and (even out of state). The PD is still allowing them to buy at hotels.

So this is what I do:Every time I see an ad for out of

town “road-shows” in my area I im-mediately (next day) run three straight half page ads in the paper myself (one per day). The ads say in large letters

"GOLD We Pay MORE than the traveling road-shows". We have a few paragraphs about how we are a local business. Sup-port the local economy. Pay local taxes. Employ local people. A picture of our 20 + person staff. We mention how we give money to local charities.

We say "we know that times are

tough and that you deserve to get the most for your gold". We say "we are not saying that you have to sell to us, but you owe it to yourself to check with a local business before giving it to some-one in the mail or at a hotel."

The response by customers has been great. We do an excellent business on the days these guys come to town. Customers have thanked us for remind-ing them to support a local business. It is common sense but people forget. These out of town ads are very compel-ling and hook people especially seniors. Do not let these guys come to your town unopposed or you will be seeing them every other week. You must fight fire with fire. If you get punched in the nose, punch back to the nose and then give them one to the gut too.

You might be thinking that you can-not afford the ads. How do they afford the ads? I think you cannot afford to do

nothing. You can beat these guys as long as

you pay good prices, give great service, and remind people to frequent local businesses instead of out-of-towners. We can also mention that we loan or buy. Please try this unless you like your new neighbor. These guys do not come to Fresno nearly as much as they used to. I guess the pickings are easier some-where else. I will be happy to share a copy of my ad later.

Please remember we will be dis-cussing more great marketing ideas at the October CLSDA convention. See you in Universal City.

Steve FosterFresno Coin GalleryJewelry and Loan

See Fresno Coin Gallery’s ad on the next page. ■

Illegal Gold Buying — On The “What Can I Do About It” Front

Bla

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on

e

Gettysburg

Shaw

FRESNOCOIN

GALLERY

GOLD

Fresno Coin Gallery Jewelry & Loan feels that you deserveto know THE TRUTH.Our area is being bombarded with full-page newspaper adsfrom out-of-town traveling road shows soliciting to buy yourunwanted gold, jewelry, diamonds, rare coins, and such. Theysay “FOUR DAYS ONLY!” at various hotels and convention sitesso that you feel pressure to act quickly and make a hurrieddecision. The customers who have compared prices havereported that Fresno Coin Gallery Jewelry & Loan is paying40-100% more for the same items! Times are tough andyou deserve the highest immediate cash prices for your gold,jewelry, diamonds and coins. Visit your local dealer, FresnoCoin Gallery Jewelry & Loan, the valley’s premier gold and coinbuyer for 28 years. Remember: Don’t ship it off or give it awayto strangers at a hotel. Take a second and compare at FresnoCoin Gallery Jewelry & Loan, for the honesty and integrity thathas kept them in business in our local community for 28 yearsat a safe and secure Blackstone location.

Proud members of the Better Business Bureau and FresnoChamber of Commerce, they employ 26 full time people inFresno who pay taxes and spend their money right here in

our valley. They’re supporters of numerous local charities andschool events, always supporting our local law enforcement.

At Fresno Coin Gallery Jewelry & Loan they aren’t saying youHAVE to sell to them, they’re just saying you OWE IT TOYOURSELF TO COMPARE. Then your decision will be obvious.

Stop in and see them near the corner of Blackstone andGettysburg in Fresno.

This consumer alert has been brought to you by Fresno CoinGallery Jewelry & Loan – Family owned and serving the CentralValley for 28 years.

4616 N. Blackstone AvePhone: (559)222-COIN

LIC #1005-0980

222-(2646)

OPEN: MON.-SAT.

26

16

66

our valley. They’re supporters of numerous local charities andhool nt lw ti l al l nf nt

We Pay more Cashthen the Traveling Roadshows!


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fall 2010 13

Mack’s Marketing CornerBy: Mack Hembree, Gems N’ Loans

MOTIVATING YOUR STAFF

1. High fives and compliments when you find team members doing something right (even small things)

2. Constant recognition. As an ex-ample, we do a “Star Performer of the Month” award. The winner gets a nice framed certificate to put on the wall and $100 in cash. We also make a big deal of it via company email. Star Performer awards are based not only on outstanding sales, loaning and gold buying, but also team spirit, attitude and going beyond ex-pectations in performance of re-sponsibilities.

3. Short duration contests with immediate rewards are good, too. As an example, for the month of August, any team

member who suc-cessfully converted a loan pick up into a loan renewal plus a minimum $100 sale instead for that cus-tomer got $20 cash that day.

4. Every month the team member who buys the most gold (highest number of transactions) in each store gets rec-ognition and $100 cash as well. If two or more team mem-bers tie for the highest number of transactions, then the one with the highest dollar amount in purchases wins.

5. Our managers hold “morning huddles” before opening, and while putting out jewelry. Most “morning huddles”, the manag-ers cover features and benefits

on different pieces of jewelry (thanks to Brad Huiskens train-ing).6. We hold pe-riodic companywide breakfast meetings at 7:30 or 8 am before store openings. We had a great company-wide meeting in Au-gust where we gave an overview of our company’s growth, recognized Star Per-formers, and had each manager give a

short story about his or her team members and the positive things they were doing. We played a couple of especially good record-ings of team member phone con-versations with customers, and afterwards we asked anyone that wished to point out the positive aspects of the phone selling. We then showed a PowerPoint with pictures of each team member starting with baby pictures, then clips of them at work and pic-tures of various company social functions to the background mu-sic of “We are Family”.

There are huge rewards in hav-ing a happy, well-motivated staff. When they have a good attitude, it shows in their customer service. They are more apt to listen to and respect management, they want to work for you for a long time and bring other potential good employ-ees in for interviews.

We are fortunate to have a sales trainer that is a skilled public speaker. His name is Stephan Swanson, and he will be speaking at the CLSDA Convention in October. If you are interested in improving employee performance, then you don’t want to miss his seminar.

- Mack Hembree CEO Gems N’ Loans Jewelry Exchange ■

Get CASH for your

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CompuPawn_Ad_11x8_5.indd 1 12/10/09 7:17:46 AM

G oodfella’s Jewelry & Loan in West Covina was the site for CLSDA’s political event to support Dr. Ed Hernandez, Assemblymember from the 57th As-

sembly District. A special thanks to Armen Galstian for hosting the event and opening up his store to all of us. Dr. Hernandez spoke of how important it is to be represented in Sacramento and calls us the “most regulated profes-sion in the country.” He joked how the most dangerous time for a pawnbroker is when the State Legislature is in session, since one law could potentially put us out of business. As an Optometrist in predominantly a low-income com-

munity, Dr. Hernandez understands how pawnbrokers help the

“unbanked” sector of society.

This was CLSDA’s second event for Assemblyman Her-nandez, who is now running for State Senate. Four years ago CLSDA was the first industry to hold an event for him and he has never forgotten us. Another big thanks to Bill Duplissea our “very respected” lobbyist for arranging this event. Members from as far away as Riverside and Orange Counties drove to the event. Thank you Seth Ward from Union Life Insurance who drove from Arizona! Wow, now that’s support! ■


Hernandez Event Kicks Off 2011 Legislative Effort

fall 2010 17

Thank you to our 2010 Convention Sponsors

Platinum Sponsor ($5,000)

• So Cal Safe, Annual Welcome Reception

Gold Sponsors ($2,500-$4,999)

• A&A Jewelry Supply, Opening Breakfast

• Golden Opportunities, Annual

Member Sunday Brunch

• NTR Metals, Deep Sea Fishing Event

• Technology Printing, Printing for

Program Book and Signage

• Union Life & Casualty,

Saturday Pre-Park Party

• Xcel Data Inc., Casino Night

Silver Sponsors ($1,500-$2,499)

• Uhle Insurance, Registration

Souvenir Bags

• Data Age, Saturday Dessert Break

• Vertical Computer Systems,

Keynote Speaker

• Wexler Insurance, Sunday Dessert Break

Bronze Sponsors (up to $1,499)

• Burrell Printing, Printing of Event Tickets

• North American Metals

• Pease and Curren, Badges Holders

• The Buyers, Registration Gift

• Worldwide Diamond

Kim AndoscaCLSDA Executive Director

C LSDA’s 54th Annual Convention and Exposition at the beautiful Hilton Universal City – Oct. 22-24

– is just around the corner!With so much going on – and at stake - in both the

California and federal legislatures, this meeting will be of utmost importance to you, your business and your family. And we plan to have fun, too!

To make this event a spectacular success, we have lined up terrific speakers and exciting programs for you. Best of all, we have scheduled ample time for fun and

adventure. Please take a moment to review the details in-cluded in this newsletter. Your registration form informa-tion is also enclosed complete with pricing options.

Save some money by preplanning and sending in your registration to the CLSDA office by the extended September 27 early deadline.

Make your hotel room reservations directly with the Hilton Universal City – don’t delay and you’ll get the CLSDA special room rate of $179 per night! Call 818-506-2500 NOW!

This meeting promises to be the best, most educa-tional and enjoyable event you can attend to enhance your business and network with fellow industry professionals.

Questions or concerns? Call me 209-786-5115.See you in Hollywood!

Back to Hollywood!

CLSDA 54th Annual Convention and Exposition

Now That’s Support!

October 22-24, 2010


A & A Jewelry Raksen Lucett 319 W 6th Street Los Angeles, CA 90014 213-627-8004 [email protected], tools, displays, boxes

ABC Jewelry Rushit Bhimani 2100 15 Mile Road Suite L Sterling Heights, MI 48310 586-354-7274 [email protected] buyer

Advanced Media Advertising Diane del Vecchio 2840 N Dion Blvd Fort Lauderdale, FL 33308 805-637-5200 [email protected] & radio commercials production & media buying

Assure Tec Direct Dave Kriegel 4676 Laurel Grove Avenue Studio City, CA 91604 310-774-1041 [email protected] automated ID authentication

Big C: Dino-Lite Scopes Andrea Serna 20655 S Western Avenue #116 Torrance, CA 90501 310-618-9990 [email protected] portable digital microscopes

BSL Financial Services, Inc. Bruce Weiner 590 Veterans Blvd. Redwood City, CA 94063 650-365-5626 [email protected] title loans

Carat Plus Rick V 550 S Hill St Los Angeles, CA 90013 213-327-4691 [email protected] and jewelry buy and sell

CashPass Network Barb Walsh 181 River Ridge Cir. S

Burnsville, MN 55337 952-646-1797 [email protected] debit cards

Data Age Business Systems Victor Guzman 10225 Ulmenton Rd Suite 100 Largo, FL 33771 727-582-9100 [email protected] loan management software

David H Fell & Co. Larry Fell PO Box 910952 Los Angeles, CA 90091 323-722-9992 [email protected] services and precious metals

Dillon Gage Terri Hewitt 11312 Indian Trail Dallas, TX 75229 602-524-3002 [email protected], bullion trading

Eyeson Digital Surveillance Marc Cohen 145 E Flagler Street, 2nd Floor B9 Miami, FL 33131 305-962-9351 [email protected] systems

GIA Sarah Hatfield 5345 Armada Drive Carlsbad, CA 92008 760-603-4481 [email protected], laboratory services, instruments, publications

Golden Opportunities Rafael Amador 71 N Federal Hwy Dania, FL 33004 954-333-8601 [email protected] of precious metals

Hi-Tech Precious Metals Dan Randall 13620 Gamma Rd. Dallas, TX 75244 972-239-0597 [email protected]; [email protected] metal refinery & stone removal service

I.C.E., Inc. Susan Miner 68 Route 125 Kingston, NH 3848 603-347-6007 [email protected]. Signs

I D S Enterprises Mike Schube 6755 Mira Mesa Blvd Ste 123-237 San Diego, CA 92121 858-220-8030 [email protected] consultant/diamond liquidator

IAS Training Brad Huisken 6655 W. Jewell St., #210 Lakewood, CO 80232 800-248-7703 [email protected]

International Gemological Institute Maung Htat 550 S. Hill Street Los Angeles, CA 90013 212-753-7100Appraisal, certification, laser-inscription and education

J.P. Diamond MFG Inc. Parshotam Dhamelia (Pete) 2850 Whippoorwill Dr. Rowland Heights, CA 91748 213-842-9621 [email protected]

Jopaz Joanne Asker 20555 Devonshire St. #156 Chatsworth, CA 91311 818-335-2777 [email protected] of diamonds & estate pieces

Labtrade Laboratory Sergio Borgato 4974 S Rainbow Blvd 103-B Las Vegas, NV 89118 702-220-5500 [email protected] Diamond certificates, appraisals, 20/20 program

LeadsOnline Shawna Evans 15660 N. Dallas Pkwy #800 Dallas, CA 75248 800-311-2656 [email protected] reporting system

2010 CLSDA Convention Exhibit Hall October 22-24, 2010

fall 2010 19

Legends of Art Joe Boiros 6000 Eastern Avenue 98 Las Vegas, NV 89115 702-736-7466 [email protected] memorabilia

Malakan & Son Kourosh and Nader Malakan 1354 W Herndon Fresno, CA 93726 559-246-5901 [email protected] & finished jewelry manufacturing

Millennium Precious Metals Brian Wallis 2441 Arbuckle Court Dallas, TX 75229 972-488-7528 [email protected] metal refinery & stone removal service

National Diamond Co. Dan Randall 13620 Gamma Rd. Dallas, TX 75244 972-239-0597 [email protected] of diamonds, all shapes, sizes & forms

National Shrinkwrap Art Marko 6220 Highway 9 South Howell, NJ 7731 732-942-4554 [email protected] wrap systems

North American Metals Michael Elliott PO Box 8450 Van Nuys, CA 91409 800-773-1626 [email protected] services, coins, bullion, stone recovery

NTR Metals West, LLC Daniel Wynn 640 S Hill St, Suite 860 Los Angeles, CA 90014 213-489-1508 [email protected] metals refiner

Palak Diam, Inc. Ankur Savani 550 S Hill Street, #880 Los Angeles, CA 90013 213-268-8485 [email protected] of diamonds and jewelry

Pawn Wizard/Fast Tax Mark Mullins 115 Industrial Pkwy Lafayette, LA 70508 770-535-8011 [email protected] shop software and tax software

Pawnshop Consulting Group Jerry Whitehead 7920 NW 85th Avenue Tamarac, Florida 33321 954-540-3697 [email protected]

Pease and Curren Jack Griffin 75 Pennsylvania Avenue Warwick, RI 2888 401-862-7950 [email protected] of precious metals since 1916

RMF Consulting, Inc. Robert Frimet 9040 Rusty Rifle Ave. Las Vegas, NV 89143 702-596-8370 [email protected]

RTI/Square Deal Sherwin Berger 4700 Chase Lincolnwood, IL 60712 847-677-3000 [email protected] repair machines

So Cal Safe Company Dennis Mackoff 510 W Wasington Blvd. Montebello, CA 90640 800-334-6060 [email protected], vaults, sales & service

The Buyers Susan Biller 23202 Charwood Diamond Bar, CA 91765 562-945-7276 [email protected] metals buyer and refiner

The Trendz Ashok Mehta 550 Shill Ct #1324 Los Angeles, CA 90013 213-622-6611 [email protected] & jewelry buyers

Union Life & Casualty Seth Ward 5225 N. Central

Phoenix, AZ 85012 602-277-5555 [email protected] insurance/work comp

Vertical Computer Systems, Inc. Marko Evans 1591 E Atlantic Blvd., Ste 103 Pompano Beach, FL 33060 954-545-9868 [email protected] software

Watch Certification Services of America Anthony Fabiaro 338 Vizcaya Drive Palm Beach Gardens, FL 33418 888-937-9272 [email protected] counterfeiting solutions/Rolex authenticator

Wexler Insurance Steven Wexler 1120 Ponce de leon Blvd. Coral Gables, FL 33134 305-445-5050 [email protected]

White Pine Trading LLC Andrew Brown 35 West 45th St., 11th Fl. New York, NY 10036 646-758-0290 [email protected] & diamond jewelry buyer

Workplace Training Network Kit Goldman 7000 Saranac #42 La Mesa, CA 91942 619-794-2718 [email protected] training programs - live, online & DVD

Worldwide Diamond Co. Bob Wiener 607 S Hill Street #811 Los Angeles, CA 90014 213-622-2191 [email protected] buying

Xcel Data Inc. Jerry Wood 5880 District Blvd., Ste 5 Bakersfield, CA 93313 661-836-4065 [email protected] & Super Pawn management software


Information is subject to change

THURSDAY October 21

9 am – 4 pm . . . . . . .CLSDA BOARD OF DIRECTORS MEETING

FRIDAY October 22

7:30 am – 4 pm . . . .DEEP-SEA FISHING TRIP or PAWN SHOP TOUR (lunch included!)

2 pm – 6 pm . . . . . . .REGISTRATION OPEN

6 – 10 pm . . . . . . . . .WELCOME RECEPTION and CASINO NIGHT (lots of food!)

SATURDAY October 23

9 am – 12:30 p.m. . . EXHIBIT HALL GRAND OPENING (breakfast and lunch included!)

1-2 pm . . . . . . . . . . .CONCURRENT EDUCATIONAL SESSIONS (2 sessions to choose from)

Proactive Sales Management; Speaker Brad Huisken, President IAS Training

Brad Huisken will teach you how to be a proactive sales manager. Details including what you should and should not do will be shared. We know that it is more effective to manage based on objective information rather than subjective information. In addition, we believe that an effective manager gives his/her people help as opposed to hell, and focuses training and attention to specific areas where salespeople need pinpoint training rather than the blanket training that many companies implement. His strategies and techniques are designed to get the most productivity out of your salespeople through effective communication, accountability, coaching, incentives and hands-on training. The most predominant factor of an ineffective manager is managing based on opinion rather than facts. Mr. Huisken will detail what facts you need to proactively and effectively manage your sales staff.

Coming Soon – 1099 Compliance. What Does it Mean?; Speaker IRS Representative

An IRS representative will outline the record-keeping and compliance issues regarding form 1099 reporting. While this issue is a new and still evolving change for our industry, be ahead of the game by understanding where we might be headed with this looming, possible new compliance issue.

2 p.m. . . . . . . . . . . .DESSERT BREAK

2:30-3:30 pm . . . . . CONCURRENT EDUCATIONAL SESSIONS (2 sessions to choose from)

Social Networking; Speaker Jerry Whitehead, Pawnshop Consulting Group

This seminar will describe the many benefits available today thru social networking and social media. There is a brave new world out there and it is evolving every day. This type of media and communication IS the next generation of marketing your business, your name brand and much more! You will not want to miss this one!

How to Increase Your Bottom Line; Speaker Stephan Swanson, Vice President Marketing, Gems N’ Loans

How to: Better your telephone tech, your counter skills and be a better ambassador for your company.

3:30 – 6 pm . . . . . .EXHIBIT HALL OPEN

6 pm – 7:30 pm . . . .PRE-PARK PARTY (lots of food!)

7 pm to park close . .UNIVERSAL CITY THEME PARK – Halloween Horror Nights

SUNDAY October 248 am . . . . . . . . . . . .EXHIBIT HALL (light breakfast)

10 am . . . . . . . . . . . .BRUNCH and ANNUAL MEMBERSHIP MEETING

Keynote address: 7 Traits of a Successful Pawnbroker; Speaker Nancy Friedman, The “Telephone Dr.”

About our keynote speaker:

Nancy Friedman, the Telephone Doctor, is one of America’s most sought after speakers on sales, customer service and communication skills. She has appeared on programs with Colin Powell, Lou Moltz, Bill Walsh, Pete Rose, Bobby Knight, Tom Peters and Ken Blanchard among many other prominent speakers. Her subject matter reaches all industries and touches all job titles. She has been published in the Wall Street Journal and has been selected as one of the 25 most influential business women in St. Luis. Nancy has been a featured guest on Oprah, the Today Show, Fox News, CNN, CBS This Morning as well as hundreds of other radio and TV programs across the country. The author of six best-selling books on customer service and the spokesperson for the popular Telephone Doctor DVD training library, Nancy’s following is large and loyal. Her theatrical background will give us an entertaining program of how The Telephone Doctor began along with ideas of techniques you’ll use forever.

October 22-24, 2010

CLSDA Convention 2010 Master Schedule of Events

ONE

fall 2010 21

About the presentation:

Nearly all organizations want to be successful. Ever wonder what some organizations and their folks do to get to be successful? What do the best leaders have that others don’t?

Fostering a positive mental attitude is critical to being successful. But how many people know exactly what brings about the positive mental attitude? What specifically are the traits of a successful person, let alone a company? And you’ll notice that most of the successful folks you know have most, if not all, of these traits.

Nancy Friedman, the Telephone Doctor, shares the 7 traits of being a successful pawnbroker. How many of these traits do you have? Come find out. Not just another fluff program on attitude. You’ll leave Nancy’s program with solid information and, as always, you’ll be laughing and learning throughout.

NooN - 2 pm . . . . . .EXHIBIT HALL - FINAL CHANCE

1:30 p.m. . . . . . . . .DESSERT BREAK

2 – 3 pm . . . . . . . . . .CONCURRENT EDUCATIONAL SESSIONS (2 sessions to choose from)

Workplace Harassment: The Real Deal; Speakers Kit Goldman and Memo Mendez, Partners, Workplace Training Network, Inc.

Exciting, fast-moving, entertaining, overview on what

harassment is, how to prevent it, and what to do if it rears its ugly head. Professional actors bring issues to life in realistic “prime time” scenes. Business owners and managers need this to protect yourselves and the business from lawsuits. You see the headlines. Don’t become one!

Pawn Compliance – Red flags, 8300’s and OFACs; Speaker Robert Frimet, CAMS, President RMF Consulting, Inc.

This session will cover 8300, red flags and OFAC requirements for pawn brokers. We will cover how to fill 8300’s filing and record keeping requirements as well as red flags and OFAC requirements.

3:30 – 5 pm . . . . . . . GENERAL CLOSING EDUCATIONAL SESSION

Industry panel will include: Diane Taylor, CLSDA President, Jon Webster, CLSDA Attorney, Secret Service Representative, IRS Representative, DOJ Representative, CLSDA Lobbyist Bill Duplissea and your Board leaders

Topics to include: Illegal gold buying, law enforcement, federal and state updates, counterfeit money, general compliance, gun compliance, local per ticket tax issues and much more!

5 pm . . . . . . . . . . . .CONVENTION CLOSES ■


Full Convention (Includes ticket to Universal Studios Theme Park for Saturday evening 7 p.m. to midnight)Attendee member $355 # persons ____ = $ ______Attendee nonmember $495 # persons ____ = $ ______Employee/Guest (1-2) $325 each # persons ____ = $ ______Employee/ Guest (3-5) $300 each # persons ____ = $ ______

OPTIONAL FRIDAY SPECIAL EVENTS (Choose one): ❏ Deep Sea Fishing or ❏ Pawn Shop Tour(Both include transportation and lunch)Attendee member $125 # persons ____ = $ ______Attendee nonmember $150 # persons ____ = $ ______Employee/Guest $105 # persons ____ = $ ______

Not able to attend the full meeting or need guest tickets? Consider these options:

Saturday Only (Breakfast and lunch included; park ticket not included )Attendee member $155 # persons ____ = $ ______Attendee nonmember $180 # persons ____ = $ ______Employee/Guest $135 # persons ____ = $ ______

Sunday Only (Brunch included)Attendee member $130 # persons ____ = $ ______Attendee nonmember $160 # persons ____ = $ ______Employee/Guest $115 # persons ____ = $ ______

Night at the Park Tickets (Includes Pre-park Adventure Party)Attendee member $100 # persons ____ = $ ______Attendee nonmember $125 # persons ____ = $ ______Employee/Guest $85 # persons ____ = $ ______Child (under 12) $60 # persons ____ = $ ______

One-day Exhibit Hall Only (Includes meals provided during Exhibit hours)Attendee member $105 # persons ____ = $ ______Attendee nonmember $145 # persons ____ = $ ______

TOTALSAdd $35.00 per person if mailed after 9-15-2010 $ ________

TOTAL DUE $ ________

Attendee Name ________________________________________Attendee Name ________________________________________Attendee Name ________________________________________Attendee Name ________________________________________(List any additional attendees on separate sheet and

include with registration form)

______________________________________________________Store/Company

______________________________________________________Contact

______________________________________________________Title

______________________________________________________Address

______________________________________________________City

______________________________________________________

State Zip

______________________________________________________

Phone Fax

______________________________________________________Email ❏ Visa ❏ Mastercard ❏ American Express ❏ Check/Money Order

______________________________________________________

Credit Card #

______________________________________________________

Expriation Date Security Code

_________________Amount Charged $

______________________________________________________Name on Card

______________________________________________________Signature

______________________________________________________

Card Billing Address and Zip

Mail, Fax or Email completed registration form with payment to:

CLSDA PO Box 1826

Valley Springs, CA 95252Fax: 209-786-5114

Email: [email protected]

Questions? Call Kim at 209-786-5115.

Cancellations: No refunds will be given after October 1, 2010.

Refunds requested on or before October 1, must be submitted in writing to CLSDA and a $25 processing fee per registration will be assessed for each cancellation.

Collateral Loan and Secondhand Dealers Association of California (California Pawnbrokers Association)

54th Convention & ExpositionOctober 22-24, 2010

Hilton Universal City • 555 Universal Drive • Phone: 888-506-2500

deadline extended to 9-27-2010


fall 2010 23

Full Convention (Includes ticket to Universal Studios Theme Park for Saturday evening 7 p.m. to midnight)Attendee member $355 # persons ____ = $ ______Attendee nonmember $495 # persons ____ = $ ______Employee/Guest (1-2) $325 each # persons ____ = $ ______Employee/ Guest (3-5) $300 each # persons ____ = $ ______

OPTIONAL FRIDAY SPECIAL EVENTS (Choose one): ❏ Deep Sea Fishing or ❏ Pawn Shop Tour(Both include transportation and lunch)Attendee member $125 # persons ____ = $ ______Attendee nonmember $150 # persons ____ = $ ______Employee/Guest $105 # persons ____ = $ ______

Not able to attend the full meeting or need guest tickets? Consider these options:

Saturday Only (Breakfast and lunch included; park ticket not included )Attendee member $155 # persons ____ = $ ______Attendee nonmember $180 # persons ____ = $ ______Employee/Guest $135 # persons ____ = $ ______

Sunday Only (Brunch included)Attendee member $130 # persons ____ = $ ______Attendee nonmember $160 # persons ____ = $ ______Employee/Guest $115 # persons ____ = $ ______

Night at the Park Tickets (Includes Pre-park Adventure Party)Attendee member $100 # persons ____ = $ ______Attendee nonmember $125 # persons ____ = $ ______Employee/Guest $85 # persons ____ = $ ______Child (under 12) $60 # persons ____ = $ ______

One-day Exhibit Hall Only (Includes meals provided during Exhibit hours)Attendee member $105 # persons ____ = $ ______Attendee nonmember $145 # persons ____ = $ ______

TOTALSAdd $35.00 per person if mailed after 9-15-2010 $ ________

TOTAL DUE $ ________

Attendee Name ________________________________________Attendee Name ________________________________________Attendee Name ________________________________________Attendee Name ________________________________________(List any additional attendees on separate sheet and

include with registration form)

______________________________________________________Store/Company

______________________________________________________Contact

______________________________________________________Title

______________________________________________________Address

______________________________________________________City

______________________________________________________

State Zip

______________________________________________________

Phone Fax

______________________________________________________Email ❏ Visa ❏ Mastercard ❏ American Express ❏ Check/Money Order

______________________________________________________

Credit Card #

______________________________________________________

Expriation Date Security Code

_________________Amount Charged $

______________________________________________________Name on Card

______________________________________________________Signature

______________________________________________________

Card Billing Address and Zip

Mail, Fax or Email completed registration form with payment to:

CLSDA PO Box 1826

Valley Springs, CA 95252Fax: 209-786-5114

Email: [email protected]

Questions? Call Kim at 209-786-5115.

Cancellations: No refunds will be given after October 1, 2010.

Refunds requested on or before October 1, must be submitted in writing to CLSDA and a $25 processing fee per registration will be assessed for each cancellation.

Collateral Loan and Secondhand Dealers Association of California (California Pawnbrokers Association)

54th Convention & ExpositionOctober 22-24, 2010


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I’m sure that a lot of you are thinking that it’s been a very quiet year, legis-

latively speaking. You may be wondering, what’s going on, why aren’t we doing any-thing? Illegal gold buyers are running amok and stealing our business. Why aren’t we doing anything?!

Let me assure you, just because we haven’t run any bills in Sacramento doesn’t mean that your Legislative Committee and the CLSDA Board of Directors has not been very busy on several fronts. Here’s what we have been working on -

Our major focus this year has been split between two issues that have the potential to greatly impact our industry

now and in the foreseeable future. The first and most pressing was the federal leg-islation to include the pawn industry in the oversight of the Consumer Financial Pro-tection Bureau. We worked nonstop in conjunction with the NPA to protect our busi-nesses from the intrusion of

more governmental oversight and regulation. At this time, the jury is still out on whether or not we have com-pletely dodged that bullet, but it appears that for the immediate future we are going to be able to continue to conduct business as usual.

At the state level, we passed SCR 63, our Senate Concurrent Resolu-tion to bring to fruition a statewide

database for the reporting of all sec-ondhand tangible personal property transactions that occur across all juris-dictions. We identified federal funding to build the database, and are working with the Attorney General’s office to make it a reality. While it may not be readily apparent, this is a step in the process of giving law enforcement an important tool to enforce current law, i.e. go after these guys that are stealing our business and not operating under the laws of our state.

One of our biggest efforts has been preparing a bill that we intend to run in the next legislative session that we have nicknamed our “Fix-It Bill”. It has been almost a year in the making, and is now being prepared for presentation to the full CLSDA Board. With this legislation we will attempt to correct many of the am-biguities that are in the code sec-tions that regulate our industry. We will attempt to further the protec-tions for the pawnbroker and codify industry practices for the benefit of all. While this may not have the “sex appeal” of the Matricula Bill or a rev-enue enhancement bill, it will greatly improve business conditions for the pawn industry.

There is also a good chance that we will “go back to the well” to go after the third piece of our revenue bill. That is, collapsing the stair-step rates in the fourth and subsequent months of a pawn transaction and making it a flat 2 ½%. This too would result in enhancing the revenue stream for pawnbrokers.

As you can see, the CLSDA Legisla-tive Committee never sleeps!

As we move forward, it is critical that you, the members of CLSDA, con-tinue to support and contribute to our legislative agenda. It is only with your support, both through your efforts and monetary donations, that we will be able to achieve our goals.

It is an honor and a privilege to serve you.

Jan SchneiderCLSDA Legislative Chair ■

If you have a website, start promoting the fact that your scales are State Certified or County Certified Scales. Take a picture of the sticker. I have attached one. We always make it a point when customers call in who are shopping their gold. - Tony DeMarco, CLSDA Vice President

Jan Schneider

Legislative Committee — What’s Happening?

fall 2010 25

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CLSDA MEMBERS GET FREE LEGAL ADVICE

Law Office of Jon Webster1985 Bonifacio Street, Suite 102

Concord, CA 94520Phone: 925-686-8790

Fax: [email protected]

The Law Offices of Jon Webster offers CLSDA members 30-minutes of consultation monthly – a $1,200 value!

“One of the many valuable benefits of being a member of CLSDA is having access to FREE legal advice from one of the state’s most knowledgeable pawn operations attorneys.”

- Robert Verhoeff, CLSDA Past President

Jon Webster

On One Hand We Litigate While on the Other We Educate

Since the last legal update, your CLSDA attorney has been busy litigating your rights in federal

court while at the same time prepar-ing and presenting an educational seminar for central California law enforcement personnel.

On the Litigation Front:As authorized by the CLSDA

Board of Directors, a federal lawsuit was filed in the United States Dis-trict Court for the Northern District of San Francisco against the City of San Francisco entitled, Chait v. City of San Francisco, USDC No. CV10-2194-WHA.

In Chait, San Francisco police placed two separate 90-day statuto-ry holds on four Rolex watches pur-chased by CLSDA member Joseph W. Chait (Provident Loan Assn.). The

holds were placed on the watches shortly after their purchase in June and July 2009. In October, a San Francisco Police Department detec-tive came into Mr. Chait’s business and advised him that the watches were needed for criminal prosecu-tion of the seller from whom the watches were purchased. Mr. Chait provided the watches as required by the code.

In January 2010, Mr. Chait learned that criminal proceedings against the seller of the watches had concluded. He asked the SFPD to return the watches to him consis-tent with Business and Professions Code Section 21647 and the Ninth Circuit Court of Appeal decision in G&G Jewelry v. City of Oakland, 989 F.2d 1093, (9th Cr 1993). The SFPD refused. Claiming that they had the power to determine ownership of the Rolex watches, a police lieuten-ant (who is also an attorney!) wrote Mr. Chait and advised him that an-

other person had claimed the Rolex watches and that the SFPD had de-termined that this person was the “rightful owner” of the watches. (Sound familiar?)

Wisely, Mr. Chait notified CLSDA and sought the assistance of coun-sel. Correspondence between the CLSDA attorney and SFPD failed to convince the City of San Francisco of the error of its position and the federal Civil Rights lawsuit was filed. In its answer, the City of San Francisco claimed it could elect to use the 90-Day hold statute and then “seize” the Rolex watches under the California Financial Code and deter-mine who was, in its sole opinion, “the rightful owner.” CLSDA’s posi-tion is that a hold means just what it says, a hold over the property until such time as it is no longer needed in a criminal proceeding at which time it will be returned to the pawnbroker from whom it was taken.

Last week, the City Attorney

Legal Update

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for San Francisco notified CLSDA’s attorney that the Ro-lex watches were “inadvertently” determined to be stolen property when, in actuality, they were never stolen. Con-sequently, Mr. Chait was able to recover possession of the watches. Interestingly, in the federal court on September 3, 2010, the merchant who sold the Rolex watches to the person who then resold them to Mr. Chait appeared. She admitted selling the watches in exchange for what turned out to be a bad check. However, she demanded the federal judge order the watches be given back to her on the ba-sis, among other things, that she has a February 2010 letter from SFPD advising her that they had determined she was the rightful owner!

While the trial will not be until Fall of 2011, this should prove to be a valuable learning lesson for law enforcement. Two important teaching points can be gleaned: (1) The 90-Day statutory hold provisions under California Business and Professions Code Section 21647 mean that once the property placed on hold is no longer needed as evidence, it must be returned to the pawnbroker; and (2) Merchants who accept bad checks can pass clear title of the goods sold. Here, Mr. Chait is a bonafide purchaser for value of the Rolex watches. As such, he now holds title to the watches even if the seller passed a bad check to acquire them.

On the Education Front:In August, CLSDA member Steve Diamond, having

worked diligently with his local law enforcement agencies for several years, financially sponsored a joint training event attended by numerous state and local law enforce-ment agencies. In the six hour presentation, the CLSDA attorney presented a two-hour block on enforcement of secondhand dealer and pawnbroker laws with an empha-sis on controlling the spread of unlicensed “gold buyers.” Participants were provided with booklets outlining the rel-evant laws and cases. Positive feedback was obtained, and numerous officers expressed their appreciation for the ed-ucational and training opportunity Steve Diamond permit-ted them to receive. Several officers had no idea that gold buyers had to be licensed, had to comply with the holding requirements and had to transmit the requisite DOJ form JUS123s.

Summary:Unregulated gold buying continues to be a severe and

pervasive issue throughout California. Consumers and legitimate businesses alike are hurt. CLSDA continues to aggressively orchestrate advertising and educational cam-paigns to stop this menace. Anything you can think of as individual members to aid in this campaign would be most appreciated. ■

David H. Fell & Company

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T he following pawnshops or secondhand shops joined, rejoined, added locations or are under new ownership with CLSDA this year.

Welcome and welcome back! There is power in numbers!

• AAPC, Inc., N. Hollywood, CA• Beverly Hills - The Dina Collection, Beverly Hills, CA• Brown's Jewelry and Loan, Rosemead, CA• California Gold & Coin Trading, Calexico, CA• California Jewelry Buyers, Murrieta, CA• Car Cash Loans, Los Angeles, CA• Cash and Gold Pawn Broker, Watsonville, CA• Collateral Loan of Escondido, Escondido, CA• Diamond Palace, Marysville, CA• Early Payday, Hemet, CA• Easy Money Pawn & Jewels, Oakland, CA• Estates Consignments, Pleasant Hill, CA• Express Cash & Loan, Inc., Madera, CA• Fashion Exchange, San Francisco, CA• Foster's Pawn Shop, Barstow, CA• Gold Arts, Irvine, CA• Highland Pawn Inc., Highland, CA• Huntington Loan & Guitar Outlet, Huntington Beach, CA• Imperial Pawnbrokers, Brea, CA• K&K International Pawn Shop, Van Nuys, CA• Larry Brasler, Westlake Village, CA• Luxury Asset Lending, LLC, Encinitas, CA• Monte De Piedad, San Diego, CA• Monte De Piedad, National City, CA• Neighborhood Pawn of Placentia, Placentia, CA• Newport Watch & Jewelry Center, Costa Mesa, CA• Orangevale Jewelry & Loan, Orangeville, CA• Paradise Pawn, Inc., Paradise, CA• Redlands Pawn, Redlands, CA• Royal Loan, San Francisco, CA• San Diego Jewelry Buyers, LLC, San Diego, CA• Santa Cruz Pawn, Santa Cruz, CA• Silverado Pawn & Jewelry, Inc., Huntington Park, CA• Steve's Pawn & Discount Jewelry, Ukiah, CA• Sun City Coin & Pawn, Sun City, CA• Sweet's Pawn Shop, Tulare, CA• Unique Pawnbrokers, San Diego, CA

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•EarnaG IAcredentialanywhereyouhaveInternetaccess.

•Checkoutsampleassignmentsatwww.gia.edu/tryelearning

Why wait? Get started today or learn more by visiting www.gia.edu or call us at 800.421.7250 ext 4001 or 760.603.4001.

TheRobertMouawadCampus5345 Armada Drive | Carlsbad, CA 92008T:760.603.4000www.gia.edu

CLSDA09

Experience GIA eLearning.

Now available for GIA’s Diamonds & Diamond Grading course.

One of the first to teach diamonds.

The f irst to teach it like this.

EDU_ad_elearning_CLSDA.indd 1 9/14/09 10:56:32 AM

New Members 2010! – Welcome

CLSDA’s newest members - David Makasjian and Guy Spano, Imperial Pawnbrokers, Brea

PO Box 1826 Valley Springs, CA 95252

1.800.773.1626www.northamericanmetals.com

We’re the

of the Industry

Send Us Your Scrap Because

You’ll Love What We Give You Back!Check out our website and see what folks all over the country

have been saying about us for years.

Golden Retrievers

Documents

Collateral loan & seCondhand dealers assoCiation …hotmail.com Steve Diamond Diamond Jewelry & Loan Santa Maria, CA Phone: (805) 349-0839 [email protected] Michael Elliott North American