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Pawn shops offer a way for people to get fast cash for loaned items, or for them to shop for items at a discount.When the pandemic hit, pawn shops were deemed essential and stayed open, but the reasons people came in were different than what was expected.“This is how we test diamonds, it’s a diamond tester” Michael Mack, owner of Max Pawn, said while explaining how pawn shops figure out the worth of a ring. “And then we weigh.”This is part of the process at a pawn shop, customers bring an item in and an employee assesses it. They make an offer based on value. If you say yes, you walk out the door with cash. You either keep the money and the shop eventually puts your stuff up for sale, or you bring the money back and reclaim your items.Like all industries, COVID-19 has caused some change.“Business is difficult,” Mack said. “All of these businesses are not able to do business the way they used to, and pawn shops are no different.”However, pawn shops were deemed essential. “We’re a financial institution. We remained open this entire time,” said Andy Zimmerman, CFO at Gold & Silver Pawn Shop.There to provide loans for people in need of fast cash, sometimes to those who don’t have access to a bank.“Unbanked and underbanked, they typically refer to a consumer that finds your typical bank branch not really meet their needs,” said Jonathan Polter, CEO of the app PawnGuru. The app connects customers with pawn shops, without having to go into a store first.“Traditional banks make money off a variety of transactions and because of the financial situation of the unbanked and underbanked consumer, they’re typically not credit-worthy of many of those other products,” Polter said. This was important during the last recession.“When 2008 hit, pawn shops became more prevalent because banks were giving less money to everyone. Before, pawn shops catered to a lower class middle class,” Mack explained. “We had people come in and get a loan on a Ferrari to pay their private school bill.”That’s what shop owners said they expected when the economy took a hit in March.“The anticipation was that the loan balances or the pawns would increase but, in fact, it’s worked the other way, with the federal stimulus, it seems that a lot of the customers typical of a pawn shop have in essence received a raise,” Zimmerman said. Zimmerman works at the Gold & Silver Pawn Shop in Las Vegas, a popular shop and tourist destination.“The outflow of goods versus the inflow of goods has been a surprise to everyone in the industry,” he said.Pawn shops can’t even keep certain items in stock, such as electronics, guns, and jewelry.“We were just selling through thousands of ounces of silver,” Zimmerman said. “The stimulus really had an impact on people’s behavior.”“Also bicycles, everyone wanted to ride a bicycle, so bikes are gone,” Mack said. This left many shops with low inventory, and lots of cash.“Right now, I don’t know that the industry has ever seen this before,” Polter explained. “Their industry is dried up and at the same time, they haven’t really had the time to replenish it.”“Pawn shops are not built to sit on cash,” Polter said. “They’re built to put cash into consumers pockets and that’s how they make money.”Mack’s shop is working with customers like many pawn shops are, offering curbside pickup or lowering loan interest rates for a while. “The asset is the customer,” he said.But without more loans coming in and a low inventory of items, pawn shop owners said there could be trouble further down the line.“We've been affected and if you drive to any other pawn shops there's nothing in their stores at all. So for that to come back we need a normal economy to really get loans and sell things,” Mack said. 3747

PACIFIC BEACH, Calif. (KGTV) - El Prez Beach Bar and Cocina in Pacific Beach was shut down by the Health Department in May just one day after San Diego restaurants were allowed to reopen, and a few weeks later, the business is now back open with new rules.RELATED: Pacific Beach's El Prez shut down for violating health ordersMultiple officials highlighted a video posted to social media that showed a crowded bar with a lack of social distancing and masks, causing the closure. Bar management has worked with the Health Department and the business is now back open with strict guidelines. Patron Matt Holman visited El Prez Saturday, June 13 and said he was pleasantly surprised to see all of the precautions being taken.“We noticed at the door there was a ‘covid coordinator,’ she looked like she was having an awesome time, kind of regulating everybody, making sure everybody was six feet apart,” he said, noting he witnessed a group get turned away when one person’s temperature was too high.He also said the rules were strict once inside.“When you sit down at the table, you can take your mask off, but you’re only allowed to get up from the table if you’re going to the bathroom or if you’re leaving the restaurant, so they were very specific about that,” he said.A previous statement from El Prez highlighted planned steps for reopening, including:We will have two separate lines to enter the restaurant. One will be for our rooftop and the other will be for our main level. The lines will be organized outside the restaurant and we will have 6’ markers to delineate where customers can stand. There will be no more lines on the main level. And we will have a security guard to remind guests to stand at least six feet of distance between parties and that masks must be worn at all times.All patrons must be served at tables. The tables will be socially distant from each other. There is no standing room inside the restaurant.We will bring on additional staff to ensure masks are worn at all times. If customers do not wear their masks, we will, unfortunately, have to ask them to leave.We will increase signage throughout the restaurant notifying customers of the county’s and state rules. All rules must be complied with or customers will be asked to leave.Holman said he witnessed strict enforcement of some of these rules.“We noticed a couple guys who were up mingling with another table and they got booted out by security so looks like fellas, if you’re going to be going down to El Prez, you want to talk to girls, you’re going to have to be yelling at them from your table over some loud music,” said Holman. 2632

Parents are considering different options when it comes to school as they manage the pressure of the COVID-19 pandemic.One option is called micro-schooling, which is basically a small school. It could have regular classroom space or operate out of someone's home, using remote curriculums.“Usually there's a theme attached to it, or a certain population they're serving, or they're trying to accomplish something that perhaps isn't getting accomplished in larger schools,” said Dr. Maureen O'Shaughnessy, Executive Director of the Micro-School Coalition.O'Shaughnessy started the Micro-School Coalition. She hopes micro-schools can help ease drop-out rates, making sure no kid falls through the cracks.She says they also allow teachers to build relationships with each student and focus on their passions.“We all thrive when we're seen and heard and valued, and that can't always happen if a teacher has 149 other kids to teach that day,” said O'Shaughnessy.She says parents in the Seattle area have turned to social media with questions about logistics or inclusion. That's also true for a mom in Boston who has created a Facebook group for parents and educators interested in micro-schooling."We want to utilize curriculum that our school system is working very hard to create,” said Jennifer Quadrozzi, who started the Massachusetts "Micro-Schooling" Resource Group. “We by no means are saying that's not good enough for us. We wish, in the perfect world, we could send them back to school and learn what teachers have to learn, but, for various reasons, we are uncomfortable doing that."The Micro-School Coalition offers free information sessions and podcasts if you want to learn more.O'Shaughnessy hopes the conversation on micro-schooling will increase scrutiny of our current system, which she calls outdated. 1825

Police searched early Thursday for a man who robbed a Nashville area pizza chain at gunpoint.Metro Nashville Police officers were called to the Domino's Pizza on Hamilton Crossing in Antioch at about midnight Thursday.  Two employees told officers they heard the drive-thru bell go off, and saw a Toyota Camry parked a short distance from the window. When one of the employees approached the window, he told officers a man who had been crouching below the window jumped up and pointed a handgun at the worker.Police said the suspect then crawled through the drive-thru window and demanded the workers empty the cash register. He took the cash and left the Domino's through the drive-thru window. The victims told police they saw the suspect get into the white Toyota Camry they saw parked away from the window. Neither Domino's worker was hurt in the robbery. Investigators don't have much in the way of a description of the suspect, as the victims told them he had his face covered with a black and white bandana. Officers at the scene told us there is surveillance video that they are reviewing. The video has not been released to the public just yet.  1197

Phil Bredesen, the Democratic candidate for U.S. Senate in Tennessee, is running with Taylor Swift's decision to endorse him, touting how rare it is for the pop star to wade into politics in a new digital video and publicly thanking her on Twitter.In a video, simply titled "Taylor Swift," Bredesen's campaign cribs Swift's song, "Look What You Made Me Do" with a slate aimed at his opponent, Republican Rep. Marsha Blackburn, that reads, "Look What Marsha Made Her Do." The video then proceeds to clip together news coverage of Swift's unexpected endorsement, with reporters repeatedly noting the move is "out of the norm" for Swift.Swift, in a lengthy Instagram post on Sunday, decried Blackburn, a Republican representative who has run toward President Donald Trump in her bid for the Senate."Running for Senate in the state of Tennessee is a woman named Marsha Blackburn," Swift wrote. "As much as I have in the past and would like to continue voting for women in office, I cannot support Marsha Blackburn. Her voting record in Congress appalls and terrifies me."Swift slammed Blackburn for not backing equal pay for women, against reauthorizing the Violence Against Women Act and for her views on gay marriage."These are not MY Tennessee values," she wrote before backing Bredesen and Rep. Jim Cooper, who is running for Congress in a safely Democratic seat.Bredesen is looking to surprise Democrats and Republicans alike and win a Senate seat in Tennessee, a state that backed Trump by 26 percentage points in 2016.On Tuesday he congratulated Swift for winning an award at the American Music Awards and tweeted a seemingly homemade video thanking her for her endorsement."Taylor, I want to just say thanks so much for your endorsement this past weekend and for the very kind words you said about me," said Bredesen, the former governor of Tennessee. "When people like you who are in a position of influence speak out on issue, it's really important and I admire you for it very much." 1998

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