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Americans are far less likely to have used deodorant or antiperspirant in the last 30 days than their older counterparts, according to a study conducted by global research and opinion company 194

You could call them a saving grace. One type of business was deemed essential at the start of the COVID-19 pandemic that helped families living paycheck to paycheck – pawnshops."This is actually our history," Andrew Charbonneau said as he showed off an Edison cylinder phonograph at his shop, Palm Beach Pawn King in North Palm Beach, Florida. Typically searching for precious antiques, Charbonneau said this year, treasure hunting took a backseat in the pawnshop industry."I think we're all in a situation we're not used to, so everybody is doing what we call [to survive]," said Charbonneau, who also owns two other pawnshops, American Gun and Pawn in West Palm Beach and Andrew's Coin and Jewelry in Delray Beach.Across his three shops, Charbonneau saw firsthand what the lockdown in March did to local families."We had a lot of nervous individuals that have never pawned before in their life, and they were in a situation where they had nowhere to go, no other avenues to obtain cash," he said.Some bank branches were temporarily closed, hours reduced in others, but those in the pawning business were open."The essential aspect of what we do was very important for the community because the bank will not lend you on your cellphone, won't lend you on your computer," said Charbonneau.The COVID-19 pandemic put thousands of people in Palm Beach County out of work.According to statistics from the state Department of Economic Opportunity, the city hit hardest was Boynton Beach. In just 30 days, the unemployment rate increased from 4.7 in March to 17.5 in April."They would come in and say, 'I lost my job because of the pandemic,'" said Bobby Gloyd, an employee at G & C Pawn Shop in Boynton Beach.Unemployment rates from the state show Delray Beach had the second-highest increase in unemployment within Palm Beach County, going from 4.2 unemployment rate in March to 15.4 in April. Riviera Beach was the third, jumping from a 5.5 unemployment rate in March to 15.1 the next month.Gloyd said that people pawn the items that hold the most value to pay their mortgages and rent."Gold is always good. It's easier to sell and also has a lot of value," said Gloyd."Family heirlooms, anything jewelry related that has emotionally passed down value, meaning sentimental value. We did see a lot of that. It wasn't so much about selling. They were still nervous about losing it because they didn't know if they'd ever be able to pick it back up," said Charbonneau.When those stimulus and unemployment checks did start coming through, pawnshops say business shifted to sales. They were selling laptops, gaming systems, anything that could help people get through quarantine."Everybody was looking for laptops, I guess when the kids were being homeschooled," said Gloyd."PS4 was one of the big things. If I had 500 of them, [they] would have sold within a week, at the time period," added Charbonneau.Musical instruments, tools for home improvements were all among the hot commodities. And then there were items people couldn't find at retail stores."Bike sales were very, very high. I would say that was a 75%-plus increase. Work out equipment again; we're not used to selling that. It usually sits on the shelves, so there was a lot of increases in fields that I would never project in the future will be the same,” said Charbonneau.Most pawnshop owners said people not only came back for their pawned items when they got their stimulus checks, but they also bought more."iPad air: a lot of people were looking for that," said Charbonneau."The newest thing is like sneakers. ... They've been probably easier to sell than tools. It's nuts," added Gloyd.With 2020 coming to an end, pawnshop owners like Charbonneau, who have been in the business for 40 plus years, say they could have never predicted business trends this year. And, with a third wave of COVID-19 in motion, they don't expect to know what the holiday season will be like."There is no way anyone can predict how this Christmas season is going to unfold," said Charbonneau.This story was originally published by Michelle Quesada at WPTV. 4109

after the accidental shooting death of her 4-year-old son.Kandice Cole dropped off her two kids at a family friend's house to babysit while she and her husband went to work.Shortly after, she said her 4-year-old son, Eric, found the babysitter's gun and accidentally shot himself. His 7-year-old sister found him."I am all for people protecting themselves, their homes and families. I get it. However, you have an obligation to be responsible and be intelligent and to make sure that you have them secured so the kids don't hurt themselves," Cole said.Cole only wishes now that she had inquired about guns in the home and whether they were properly secured and out of reach from her children."I would rather be uncomfortable during a five-minute conversation than have to wake up every day knowing that I'm supposed to have two kids and I have one," Cole said. "I'm supposed to have a brother and sister who are growing together. Instead I have a sister who lays on her bed and cries holding a picture of her and her brother.""Be Smart" with Mom's Demand Action for Gun Sense in America seeks to educate people about the importance of storing your guns unloaded and away from children."We know for example that 90% of unintentional shootings take place within a home setting," Jane Hedeen of "Be Smart" said. "And this is particularly important in the holiday times when we're going to either host or visiting friends and relatives, we may make the assumption that if we are a responsible gun owner ourselves, people we're going to visit are practicing those and we just can't assume."This story was originally published by Stephanie Wade on 1644

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With down payments less than 10%, you’ll pay mortgage insurance for the life of the loan. With a loan-to-value equal to or greater than 90%, you’ll pay the premiums for 11 years. 181