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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

OZAUKEE COUNTY, Wis. (WTMJ) -- A Wisconsin woman has been charged with second degree recklessly endangering safety after she allegedly had her 9-year-old son ride on top of her minivan to hold down a plastic pool.According to the criminal complaint, it happened around 3 p.m. local time on Sept. 9, when officers responded to reports of a child riding on top of a minivan.A 911 caller followed Amber Schmunk, 28, of Fredonia, until she pulled over and took her child and the pool off the vehicle's roof. Schmunk then continued driving down the road and stopped at her sister’s house where police caught up with her.Schmunk told police picked up the pool at a residence but did not have enough room inside the minivan. She said she “decided to put the pool on top of the minivan, but had no way to strap it down, so she had her child climb on the roof and hold it down while she drove.”Schmunk admitted to police she had her oldest son ride on top of the minivan, “but only for a short time, maybe 20-30 seconds.” Schmunk later stated it was safe because she used a strap to tie the child down on top of the pool.She also told the officer that she believed it was “ok” as her father let her do things like that when she was that age.Schmunk will be back in court on Nov. 14. If convicted, she faces up to ten years in prison and up to a ,000 fine. 1417

PALM SPRINGS, Calif. (KGTV) - The Palm Springs Aerial Tramway reopened to visitors Monday after storm damage that closed the popular attraction for almost two months. The Valentine’s Day storm severed the power feed to the mountain and washed out a road, according to tram officials. Crews spent weeks making necessary repairs and cleaning up damage. The closure kept 100,000 visitors away, tram officials estimate. The storm led to almost million in repair costs and lost revenues. “It’s been a long six weeks for everyone, but today we are delighted to finally welcome back Tram visitors. On behalf of the entire Tramway staff, we are thrilled to be back open for business and truly appreciate the community’s support throughout our closure,” said Tramway General Manager Nancy Nichols. The Palm Springs Aerial Tramway, which is the world’s largest rotating tram car, opened in 1963. Its 80-passenger cars take travelers from the desert floor to the Mountain Station at an elevation of 8,516 feet in 10 minutes. Visitors can enjoy two restaurants, a natural history museum, documentary theaters, and hiking trails at the top. The tram opens at 10 a.m. Monday through Friday and 8 a.m. Saturday and Sunday. Tickets are .95 for adults and .95 for children ages 3 to 10. Ticket sales start at the station half an hour before opening. Visitors can also buy tickets online starting April 8. 1404

Papa John's is trying to repair the damage caused by its CEO's controversial comments about the NFL protests.Two weeks ago, CEO John Schnatter triggered fierce criticism by saying the pizza chain's sales were hurt by the NFL's handling of the controversy over players kneeling during the National Anthem to protest police violence and racial injustice."This should have been nipped in the bud a year and a half ago," Schnatter said on a conference call with investors. "The controversy is polarizing the customer, polarizing the country."The comments spurred a backlash on social media, made the company the butt of jokes on late night shows and forced it to distance itself from neo-Nazi groups.On Tuesday evening, Papa John's -- which has been a league sponsor since 2010 -- attempted an apology on Twitter."The statements made on our earnings call were describing the factors that impact our business and we sincerely apologize to anyone that thought they were divisive," it said. "That definitely was not our intention."The pizza chain said that it supports "the players' movement to create a new platform for change" but that it also believes that "as Americans, we should honor our anthem.""We will work with the players and league to find a positive way forward. Open to ideas from all. Except neo-nazis," the company tweeted, offering a "middle finger" emoji to "those guys."  1397

Police in Parma, Ohio say no one was injured when a car crashed into a home early Thursday morning.The driver drove through a stop sign at the intersection of Twin Lakes Drive and Thornton Drive around 1 a.m. and went up a driveway crashing into the house. The car went into a large window and was left hanging partially inside the living room of the home.Parma police said they had one person in custody, but a few others were able to run away from the crash.The people living in the home were home at the time.No other information was available. 555