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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

PARADISE, Calif. (KGTV) -- Miles and miles of leveled homes line the streets of Paradise after the Camp Fire swept through. The destructive fire left students at Spring Velley school homeless. The one thing the fire couldn’t take away: spirit. Children’s spirits remain high, lifting the adults around them. The Spirit of Liberty Foundation gave them a gift this Christmas they’ll never forget, handing out stuffed animal, sweatshirts and T-shirts from the San Diego Zoo. “I’m really glad they’re donating this stuff, it’s really awesome,” said Jack, a student at the school. Jack is a seventh grader and one of the lucky ones whose home survived, but the same isn’t true for his friends. The school’s principal is also trying to provide a safe haven. “Each day we’re trying to bring smiles to their faces and today Santa did just that,” Josh Peete. 858

Our nation’s veterans and Gold Star families will receive free access for life to any national park, national wildlife refuge, and other federal lands.Beginning Veterans Day, which is Wednesday, the Department of Interior said they would permanently waive the entrance fees for them.“The Trump Administration is committed to honoring American patriots – the men and women who have served in our armed forces,” said Secretary Bernhardt in a press release. “With the utmost respect and gratitude, we are granting veterans and Gold Star Families free access to the iconic and treasured lands they fought to protect starting this Veterans Day and every single day thereafter.”To get the free pass, which is called America the Beautiful, veterans must provide a form of identification that would show they served in the armed forces or in the United States National Guard and Reserves.Gold star families are next of kin of a member of the United States Armed Forces who lost his or her life in a war, an international terrorist attack, or a military operation outside of the US while serving in the armed forces, the department said.With the pass, 2,000 federal recreation sites on more than 400 million acres of public lands, including Yosemite, Grand Canyon, Arches, and Mount Rushmore National Memorial, will be accessed.The department already waives fees for active-duty military service members. 1403

PARIS (AP) — Kenzo Takada, the iconic French-Japanese fashion designer famed for his jungle-infused designs and free-spirited aesthetic that channeled global travel, has died. He was 81. The family said Takada died from complications from COVID-19. Takada retired from his house in 1999 to pursue a career in art, but it remains a respected fixture in high Paris fashion. Since 1993, the brand Kenzo has been owned by luxury goods company LVMH. He studied fashion in Tokyo before relocating to Paris and taking over a boutique there in 1970. The fashion house said he was "an emblematic personality in the fashion industry — always infusing creativity and color into the world." 686

PARMA, Ohio — It's a story 30 years in the making.Shortly before graduating from Parma Senior High School in Parma, Ohio, Jim Biehl customized, purchased and started wearing his class ring.It was your typical class ring with a green emerald gem, a cross etched below the stone and Biehl's signature on the inside.But Biehl would only spend about one year with that ring.When he was 17 years old he went on a church trip to Michigan. During the journey, the group stopped in Parma, Michigan. Ironically, that's when he would lose that brand new class ring."I woke up one morning to move on to the next destination of our trip, the next leg, and couldn't find it," Biehl said. "Haden't seen hide nor hair of it since then."The then-teenager spent a couple of years searching for the lost piece of jewelry only to come up short each and every time.Biehl thought the ring was gone forever — until recently.Biehl said he was alerted to a Facebook post inside the Parma Senior High School Alumni Association. The post read, "Found class ring 1989. Jim Biehl call...." with a phone number and an email address. 1131

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