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Jewellery is most common pledge as security for a loan, but during 30 years in the pawnbroking trade he says he has witnessed some more creative propositions from customers.

“Everything from designer handbags to Mont Blanc pens, and a lot of signed memorabilia; we even had people offer a racehorse and a fishing trawler,” says Mr Finch, managing director of Pickwick Pawnbrokers.

Media captionA pawnbroker reveals some of the unusual items in his vault

Through the thick, alarmed doors, in the cramped vault under his High Street pawnbroking shop, Mr Finch pulls out works of art, designer handbags, and even a Louis Vuitton dog collar.

His experience is not unique. Across the UK, various pawnbrokers are specialists in Rolex watches, luxury cars or antiques.

So why does anyone in possession of an Aston Martin or an expensive timepiece need to walk into a pawnbrokers’ shop to seek a loan?

“The typical reason that a customer might use a pawnbroker is almost exclusively cashflow. It is not that they don’t have assets, or that they don’t have wealth, it is just that they don’t have that money at that particular time.

“It could be school fees, it could be extra spending money for a holiday,
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it could be a crisis loan, like getting your car back on the road. It is a cycle of the need being driven by a crisis or some luxury spending.”

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Research suggests that day to day spending, and a need to pay utility bills are high on the list of customers’ need for quick cash.

“Pawnbrokers tend to get people through a short term cashflow issue and then the item is redeemed. I am happy and they are happy,” says Mr Finch.

How does pawnbroking work?

Customer “pledges” an item, such as a gold ring for a set period of time, usually six months

Pawnbroker gives 50% to 60% of the item’s value as a cash loan

Customer pays 7% to 8% interest every month

An item can be redeemed during the loan period by paying back the original loan and any interest up to that point

If the customer cannot repay the loan at the end of the deal the pawnbroker sells the item and returns any surplus to the customer

More information is available from the National Pawnbrokers Association. Consumer advice on pawnbroking is available from Citizens Advice and the Money Advice Service

This happiness may, of course, be short lived. Failing to pay back the loan, and the interest charged on top, means saying goodbye to the valuable possessions.

Even if the item is redeemed and in most cases it is then using a pawnbroker can be a relatively expensive way to borrow, says the Money Advice Service.

“You can usually only borrow a percentage of the value of the item you want to pawn. So if, for example, you have some jewellery worth 200 you might only be able to borrow 100.”

Interest is typically higher than a standard bank loan but normally less than a payday lender. But unlike those loans, anyone with a poor credit history can access pawnbroking services as long as they have an item to pledge.

The Money Advice Service suggests people who want to pawn should shop around for the best deal, and also:

Choose a company that is a member of the National Pawnbrokers’ Association, which has a code of conduct for members
montblanc company How much will you give me for my false teeth

mont blanc cheapest pen How Gifting Luxury Pens to Clients Can Give an Image Boost to an Organization

mont blanc sunglasses How Gifting Luxury Pens to Clients Can Give an Image Boost to an Organization

If you are toying with the idea of gifting something very stylish and fashionablefor your clients on Christmas or Thanksgiving Day, then not anything can be higher than a branded pens. Read this article to discover about these pens and why they are taken into consideration as a really perfect present in business circles.

A pen has its personal allure. Unlike everyday pens, they have a category approximately them. Therefore, they’re taken into consideration as an apt present for crucial customers and superiors within the office, on special occasions. It is constantly crucial to have a high quality image inside the minds of customers and gifting them with items that don’t have any class can badly lower back fireplace. Thus, it turns into vital to don’t forget such objects that go with the image of the company. This is where luxury pens come into the photograph. Sometimes, it’s far wonderful to choose novelty pens for branding purposes, mainly earlier than Christmas and different vacations.

Some of the well known luxurious pen brands are Parker, Waterman, Cross, Mont Blanc, Visconti, Omas,
mont blanc cheapest pen How Gifting Luxury Pens to Clients Can Give an Image Boost to an Organization
pensAurora, Pelikan, and so on. These manufacturers commonly manufacture pens of three sorts:

Fount Pens These pens have a nib and an inner reservoir for water based totally liquid ink. The reservoir holds the ink and whilst a bit strain is exerted on the nib, the ink robotically flows to the nib.

Ballpoint Pens These pens have an inner chamber in them that holds the ink. The ink is disbursed on the tip by way of the rolling motion of a small metallic sphere. Unlike fountain pens, the ink whilst carried out on paper dries instantly. These pens are preservation free and as a consequence a popular choice amongst pen customers. It has replaced the fountain pen as the device for normal writing.

Rollerball Pens These pens include water based totally liquid or gelled ink in them. The ink in them saturates extensively and deeply on paper and therefore the writing looks plenty extra severe.

The complete design and appearance lead them to a preferred desire for many human beings. Therefore, they become an herbal desire as items. Besides, luxurious pens are available beautiful pen packing containers. These pens, not handiest serve as writing gadgets but are stored as souvenirs through many human beings.

Talking approximately image, luxurious pens have continually been an accessory of a prosperous, decided and official businessman. Thus, luxury pens nonetheless are considered a popular and valuable present even nowadays, despite the fact that maximum is tempted to give an iPod or cellular cellphone. Gifting a branded luxurious pen to a consumer automatically tells them that they are critical for the enterprise and the enterprise is glad to do commercial enterprise with them. Luxury Pens are used increasingly more as promotional items nowadays, which will make a wonderful photo inside the minds of clients. Luxury pens will usually have everlasting demand as it has been for times immemorial.
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mont blanc pen ebay How eBay’s ‘designer’ bargains are just too good to be true

montblanc pen price How eBay’s ‘designer’ bargains are just too good to be true

A spokesperson said: “Counterfeits are a global issue and not just an internet challenge.

“We work with rights owners and proactively remove counterfeits from the site when we find them.

“Ebay removes thousands of items from the site every week, although in the vast majority of cases this can only be done with help of [copy]rights owners, as only they have the expertise to identify relevant counterfeited items.”

Ruth Orchard, director general of the Anti Counterfeiting Group, which represents 200 organisations and is trying to stop the counterfeiting of branded products, says: “Counterfeiting has risen by more than 10,000 per cent in the past two decades globally, while in the UK the market is worth at least 14 billion a year.

“We strongly advise people not to buy any luxury goods on eBay.”

Ruth adds: “Apart from losing hard earned money buying worthless items, there are serious safety issues with fake products for sale such as perfume and other healthcare goods.

“Also, the people selling these products are criminals and you are handing over your personal details, like your address, to them. How safe is that?”

Markets, car boot sales and certain foreign holiday destinations are notorious for providing cheap replicas of luxury brands which often fall apart before they’ve even got home but now cyberspace is providing an increasingly lucrative place for fraudsters selling high end phoney goods.

Its most famous auction website, eBay, is a prime target for such conmen.

A quick glance online shows tens of thousands of items claiming to be “genuine designer” items of clothing, jewellery, watches and handbags.

It’s almost impossible to tell whether something is real or fake.

Normally if you were trying to decide if something was real, you could pick it up and really examine it to make sure.

But on eBay, buyers are entirely reliant on photographs, which are often of poor quality and can even be of the real item, whereas what is sent to you will be a fake.

We soon discovered that if the picture is genuine,
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there are some giveaways to look out for particularly if you are able to compare it to its real counterparts on the brand’s official website.

This was obvious, for example, with classic designs such as the “Please Return to Tiffany Co’s New York 295” key fob, because some of those we saw on eBay had lettering which was inconsistent with the original.

On the whole, counterfeits are shoddily made.

Wallets and bags tend to be sewn unevenly, so it’s worth studying the stitching, lining, fastenings and logos on goods either on the screen or when they arrive, if you do buy one.

One “Louis Vuitton” wallet had poor stitching, which gave it away, and the brand’s authentification stamp was on a different side of the wallet than the original another common mistake by counterfeiters.

There are myriad tricks eBay sellers use to try to fool unsuspecting buyers.

One tactic is to photograph an item with the brand’s logo on display in the background.

We bought a Gucci necklace and earrings separately but from the same seller, who posted photographs of the pieces perched on a plump chestnut cushion surrounded by a Gucci labelled carrier bag and a delicately placed Gucci ribbon.

All this paraphernalia created an illusion of authenticity about the products, but crucially there were no close up photographs of the jewellery and no hallmark detail could be garnered from the distant shot on screen.

Within seconds of being handed the goods after they arrived in the post, a Gucci store sales assistant confirmed they were all fake.

We discovered it is also relatively common to come across an item on eBay that carries a brand’s name but is not a copy of a known design.

We bought a fake Chanel necklace which was pictured on a shiny black box with the brand’s trademark overlapping Cs.

In reality, the necklace was of shockingly poor quality the gold had rubbed away on the chain, leaving an unsightly green tinge, and the words “Chanel, 31 Rue Cambon, Paris” were printed, rather than engraved on the charm.

Chanel later confirmed that neither the design nor anything similar existed. The same occurred with a Versace “Signature” shoulder bag, bought from a seller who insisted that her products were genuine.

But it is by no means foolproof.

If someone gets too many negative comments,
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they can simply set up another account under a different name and begin again.

mont blanc pen set price History of Writing Pens

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If you in the market for a writing pen today, then you have no shortage of options. You can choose to fountain pens, roller pens, ballpoint pens, fountain pens, gel ink pens, ballpoint pens antler and many other styles of pens. Not only do you have a wide choice of styles of pens, but you also have a wide variety of manufacturers. Some of the best known brands of pen ago Parker pens, Waterman pens,
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Cross pens, Mont Blanc pens, Bic pens and a number of others, including ballpoint pens antler Hand carved. Nobody gives credit to small enclosures that this writing instrument is due; if you think about it the humble pen is writing history every day. Leave a trace of human culture in all that follow. Think about how much easier a time, the cave man would have had if he had only a pen.

Speaking of Cavemen, the history of writing pen way back in 3000 BC when they were manufactured from rods of bamboo and reeds. The origin of the word “pen” is derived from the Latin word “penna” meaning of feathers. Early civilizations feathers widely used in civilizations, including their use as writing instruments at the beginning. The best feathers to use for the pens are large birds, like a swan or goose. The pen has started to develop the instrument we know today when LE Waterman invented the venerable pen. He then developed a little further when Laszlo Biro bearings incorporated in the design and invented the ballpoint pen in 1944. The next step in the evolution of the felt pen was invented by a Tokyo company shutdown in 1960.

4000 years BC old man scratched pictures clay with a wooden stick. 3000 years BC Egyptians started using reeds and feathers to make entries. 1300 BC the Romans used a metal rod to print on sheets of wax. Middle Ages. Anglo Saxons used a wax crayon to write on wooden bars. 600 1800 AD Europeans have begun to improve the earlier designs. The plume appeared for the first time in Spain and was the writing instrument of choice for the next 1200 years. 1790 pencil was invented by the French. 1800 1850ies. A first version of a metal fountain pen was invented in 1803. 1943 The invention of what we now call the ballpoint pen is credited by Laszlo and George Biro. 1953 the first mass production and economic ball arrived on the scene made by the company Bic. Bic pens are still one of the most cost feathers on the market today and are extremely popular. 1960 felts become fashionable. 1980 Not content with technology ballpoint pens roller ball arrived that the new technology and produces a feeling clean and smooth action. 1990 Gel ink pens arrived on the scene and proceeds to improve the flow and feel to the pen. Whenever we believe that the pen is as good as it is,
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the technology shows us the opposite. It is difficult to predict what the next 50 years will enable us write technology.

mont blanc ball pen refills Highpoint aims higher

mont blanc ballpoint Highpoint aims higher

The Besen family owned Highpoint Shopping Centre in Melbourne’s western suburbs has announced a $50 million, 15,000 square metre expansion that will add five retail precincts.

The Maribyrnong based centre, run by Carol Schwartz, daughter of the $1 billion Sussan Group founder, Marc Besen, has been a good performer despite being substantially smaller than its rivals.

Last year the super regional centre ranked third in Australia on the basis of total retail sales, behind AMP’s Warringah Mall in NSW and the much larger CFS Gandel Retail Trust’s Chadstone Shopping Centre.

Retail analysts said Highpoint had been helped by the fact that Melbourne’s western suburbs had few major retail centres.

The expansion will take the 112,500 sq m shopping centre to 127,500 sq m, adding two outdoor precincts, a food court, 60 specialty shops, a large format retailing space and a multi deck car park. Work will finish in late 2005.
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After immediately vowing to try again this year, she plans to set off from her home, Clinton Lodge Garden in Fletching, on Friday September 5 to spend three weeks heading for the mountain’s peak accompanied by guides and porters.

Lady Collum, the widow of Sir Hugh Collum, a chairman of British Nuclear Fuels who died in 2005 after a fall at home, made her first mountain climb at the age of 70. In memory of her husband, she took on the daunting challenge of Mount Kilimanjaro, the highest in Africa, and in 2011 climbed Mont Blanc in the French Alps with a friend.

“I have to keep going,” said Lady Collum. “There are risks but there are always risks in life and you can’t protect yourself from them or you would never do anything.

“I have been preparing myself for Mera Peak by exercising, and preparing for it has been like a military operation. I am very determined to do this and I shall be extremely pleased if I succeed.

“In my mind, this is my last big challenge.”

Lady Collum finds coming down hill more painful than going up because she has a number of metal pins in both feet following surgery. “Going uphill is always exhilarating but because of my feet there is a plan for me to abseil back down part of Mera Peak,” she said.

The challenge has been taken up by Lady Collum to raise money for the charity Friends of Sussex Hospices, which raises money towards the running costs of 12 hospice care providers it supports across Sussex.
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mont blanc brand Hidden in the valley in Les Contamines

mont blanc tour Hidden in the valley in Les Contamines

Concealed beneath Mont Blanc in an Alpine valley, Les Contamines Montjoie is a small ski resort that barely registers on the British ski scene. And that’s part of the appeal.

Established in 1760, its timber and stone architecture reflects the settlement’s early days as a traditional Savoie farming parish. One of the Alp’s oldest ski areas, the first tourists carved their turns here in the early 1900s.

An hour’s drive from Geneva airport, it’s a doddle to reach and the town’s unpretentious accommodation can work out at half the price of that in more exclusive French resorts. But overshadowed by its bigger and better known neighbours of Chamonix and Megeve, Les Contamines receives limited attention from the UK ski market.

Home to a welcoming, tight knit community, English is spoken infrequently here, which gave me the opportunity to resurrect my rusty French: “Deux croissants et deux sandwiches au fromage,” I managed each morning at the patisserie, buying breakfasts to eat on the chairlifts and picnic lunches to munch in the mountains.

On Tuesday I swapped the patisserie for the local market, which filled the town square with stalls selling cured meats, gooey mountain cheeses and piping hot tartiflette, spooned from an enormous pan.

Stretching along a 4km road,
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the town bustles with grocery shops, relaxed restaurants and good value ski stores. Along this snaking high street a free shuttle bus ferries skiers to and from the chairlifts; or if you’ve got a car it’s a five minute drive.

“Ring the cow bell!” my boyfriend Tom called after me as I skidded through the snow park, avoiding the scariest looking obstacles but having a go at the smallest jumps. At the finish line I pointed my ski pole skywards to ding the huge cow bell swinging above my head.

I often feel too intimidated to brave the snow parks in other resorts but here the laid back atmosphere and lack of onlookers gave me the confidence I needed to have a go. Three attempts later and I’d successfully slid across my first ‘box’.

The pistes were remarkably uncrowded and we spent our week speeding around near empty slopes. White summits watched over us from all directions and, from the resort’s highest point the top of the Aiguille Croche chairlift (2,483m) we looked out over an endless world of meringue like mountains, while the lower slopes descended into a forested gorge of sweet smelling pines.

French families and mature skiers wearing worn out salopettes make up the typical Les Contamines crowd. First timers can find their feet in the free beginners’ area while intermediates enjoy the wide blues and not too challenging reds. Experienced skiers zigzag down the blacks or scatter themselves off piste. As a snowboarder, Tom was pleased to discover that flats and long shushes were few.

A week’s ski pass is around 45 euros cheaper than nearby Chamonix and, although the ski area is modest 120km of pistes in total we found plenty to keep us entertained. If you’re hungry for more terrain, upgrade to the ‘Mont Blanc’ (rather than the Les Contamines only) pass for access to nine nearby resorts.

The one thing Les Contamines doesn’t have is a wild aprs scene the town’s caf style bars are more like family friendly creperies than hard core drinking holes. Our aprs ski ritual involved sinking a pint by the frozen lake at 1,470m, before supping vin chaud back in town at Ty Briezh a cosy pub, which serves delicious burgers with reblochon cheese.
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le mont blanc Helicopters evacuate hotel guests following avalanche as heavy snow cloaks Alps

mont blanc online shop Helicopters evacuate hotel guests following avalanche as heavy snow cloaks Alps

Tuesday’s development came as heavy snow caused disruption across the Alps.The Langtauferer Hotel, located near the Austrian border at 1,870 metres (6,135 feet) above sea level and some 60 miles north west of Bolzano, was not directly hit, but was in an area of extremely high risk for further avalanches, said Katia Squeo of the civil protection agency in Bolzano.”The electricity was restored and the guests didn’t want to go, so the mayor ordered the evacuation,” Ms Squeo said. “The avalanche risk is still present.”The evacuation was taking place under clear conditions, with each helicopter ferrying seven people at a time to a school gymnasium in nearby San Valentino, where they were being fed and looked after.A helicopter tries to artificially cause an avalanche at the Belalp ski resort (Dominic Steinmann/AP)A nearby guesthouse was also evacuated, and the whole village was cut off from the nearest major road, some 12 miles away, by the heavy snowfall and avalanche risk.The whole northern crest of the Alps bordering Austria was under the highest avalanche risk following an extraordinary snowfall of up to two metres, beating record levels dating to the early 1980s in some places, officials said.The Langtauferer hotel boasts views of a 3,700 metre summit and advertises itself as being ideal for skiers, who can start their runs right outside the hotel door. Martina Doene, the hotel’s manager, said the evacuees remained calm.The civil protection agency said teams also were working to open roads to Val Senales, where thousands of tourists and residents had been isolated since Monday above Merano. The town itself was protected by avalanche barriers and they were at no immediate risk, Ms Squeo said.Heavy snow has created dangerous conditions and disrupted transport across the Alps.In France, the Chamonix ski area at the foot of Mont Blanc was closed due to what officials said was the highest avalanche risk. Several major roads and tunnels in the area were shut down.In Switzerland, a highway leading to the Gotthard tunnel toward Italy was shut. Swiss public broadcaster SRF reported the A2 road near Gurtnellen was hit by an avalanche and was temporarily closed in both directions.
le mont blanc Helicopters evacuate hotel guests following avalanche as heavy snow cloaks Alps

small mont blanc pen HC doesn’t find everything fine with Worli mall

mont blanc france HC doesn’t find everything fine with Worli mall

MUMBAI: The upcoming swanky Atria mall at Worli, which boasts of housing the country’s first Rolls Royce showroom and other international brands like Mont Blanc, Sony World and Guess, has come under the Bombay High Court scanner.

The HC on Wednesday admitted a petition filed by social activist Medha Patkar challenging the legality of the mall, which has allegedly been constructed on land reserved for housing dishoused persons and a municipal school.

“Prima facie there seems to be some irregularity in the development of the mall,” Justice RM Lodha and Justice AV Mohta said. The construction of the 1.80 lakh square feet mall on Annie Beasant Road is almost complete. The court, however, refused to grant a stay on the inauguration of the mall.

The Judges directed the BMC to deposit Rs45 crore collected from the developers of the mall with the court registrar within a week. The developer, who was allowed to construct the mall, was asked to redevelop the existing school, build and hand over tenements free of cost to the BMC and pay an additional Rs80 crore, of which Rs45 crore has been paid.

“We want to ensure that the Rs45 crore collected by the BMC is used for buying tenements for project affected persons and not paying salaries of BMC staff,” Justice RM Lodha and Justice AV Mohta said. The court also directed the BMC to file a reply stating the time frame within which it will procure the 1,845 tenements for housing dishoused persons.

The petitioner’s advocate YP Singh stated that the mall has come up in the Coastal Regulation Zone (CRZ) and has been allowed a floor space index (FSI) of 2 against the norm of 1.33.

He alleged that area of the school, which has been redeveloped, has been reduced and that the structure has been pushed near a drain. He added that the mall has not provided adequate parking facility.

Senior Counsel Aspi Chinoy representing the developer denied the petitioner’s allegations stating that all requisite permissions were in place for the mall. The matter will now be heard in April.
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montblanc ballpoint Halifax marks 94th anniversary of Explosion

mont blanc used pens Halifax marks 94th anniversary of Explosion

Halifax residents gather at Fort Needham Park to hear the bells toll for nearly 2,000 souls killed during the Halifax Explosion, 94 years ago today.

It was on Dec. 6, 1917 that a French munitions ship, the SS Mont Blanc, collided with the Norwegian ship, the SS Imo, in the narrows of Halifax Harbour.

A fire aboard the Mont Blanc caused the largest man made explosion prior to the atomic bomb in Japan, levelling homes throughout north end Halifax and killing nearly 2,000 people and injuries thousands more.

was the best one I ever been to, said survivor George Sims. been to all but one. All of the bands here, the different speakers here, it very nice. Lots of people,
montblanc ballpoint Halifax marks 94th anniversary of Explosion
it nice to see all the children here. It something for them to remember. Sims was a six year old eating breakfast at the kitchen table when the explosion smashed all the windows in the house and threw his mother on top of the stove.

Mary Murphy was two years old when the explosion happened. She too noticed the many children in the audience.

to remember. Not ever to forget what happened because it was a terrible thing, Murphy told reporters following the ceremony. they lost so much. Everything was destroyed. Local historian Blair Bede tells News 95.7 the disaster struck out of the blue on an otherwise ordinary, mild Thursday.

were going to school, they were going a little later because they were trying to save fuel supplies in wartime, he said. were in their jobs, they gone to work without their heavy top coats because it was an Indian Summer day, almost a beautiful fall day. So people thought, a nice day. What could go wrong on a day like this?’ Bede says most people who saw the tragedy unfolding didn grasp the magnitude of the pending catastrophe.

people on the shore, they saw black smoke, he said. thought it was an oil ship. No big deal with an oil ship. That doesn know blow up the same way a munitions ship would. But the Royal Canadian Navy, the British Royal Navy, the firemen who were rushing to the dock, they knew they were going to danger. They didn know how much danger. The disaster forged a new and lasting friendship between Halifax and Boston that is remembered every year when provincial officials send a specially chosen Christmas tree to the Massachusetts capital.
montblanc ballpoint Halifax marks 94th anniversary of Explosion