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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 (KGTV)-- Memorial Day weekend is the unofficial start of summer, and police are bracing for partiers with maximum enforcement throughout the holiday.At Pacific Beach dozens of motorized scooters pooled around two San Diego Police Officers. They educated dozens of riders on the rules, saying riders need to wear a helmet. They've given out dozens of tickets as well, since Friday.Skateboards and roller skates are also not allowed on the boardwalk. Jake Kostreba said he rides on the boardwalk all the time and was frustrated at why he received a ticket, "I mean I guess someone needs to clean up the beach so, I'll be that guy, so whatever, it's pretty dirty."Police say he lost control of his board and it hit a woman's shin.Visitors told 10News they don't mind the extra police presence.Ruqayyah Abdulrahoof drove down from Los Angeles, "I think it's really important to see the police over here especially with the kids and the beach I think it's really important to make sure the people have a good safe memorial day weekend and nobody's drinking I think it's a great place, and good to see officers are making an effort."Scot Brantley came down with his wife and baby from Washington for a friend's crossfit tournament and echoed the sentiment, "I think we feel safe you know people are out here enjoying having a good time so nothing too crazy so far but it's early it's early though."On the beach, lifeguards have been busy as well, rescuing 20 people and rendering medical aid to 47 Saturday. They also had more than 1,000 preventative interactions.Lifeguards want you to know smoking and alcohol is never permitted at the beach.Police geared up for a weekend of DUI checkpoints and extra patrols. Chula Vista, San Diego City and County will all have checkpoints set up, looking for impaired drivers. That includes medication as well as alcohol.DUI arrests are up this year compared to 2017 on the same day. Friday night 24 people were arrested compared to 17 last year.The maximum enforcement period continues through Memorial Day evening. 2091

Police in Osceola County, Florida said a man was locked up after he was accused of trying to kill sex offenders.Officers said he tried to set the men on fire.Jorge Porto-Sierra has been formally charged with four counts of attempted premeditated murder.Osceola County detectives said the 50-year-old confessed to deputies he tried to kill multiple people at the Friendly Village Inn on Irlo Bronson Memorial Highway.After his March 7 arrest, Porto-Sierra said he arrived at the motel to "barbecue all the child molesters on fire and kill them."WESH 2 News in Orlando confirmed at least two of the four victims are convicted sexual offenders.Witnesses told deputies Porto-Sierra made several threats, screaming, "I'm going to kill you, child molester," and allegedly began throwing gasoline on their front door.Porto-Sierra is accused of breaking a hotel window to pour gasoline inside.Witnesses said he was carrying a cigarette the whole time.Another couple said Porto-Sierra rammed their car and poured gas on it.When asked by deputies why he did not carry out his threats, Porto-Sierra said, "You got here too soon."Porto-Sierra remains behind bars at the Osceola County Jail.He's being held on no bond.  1219

Police surrounded a Panera Bread near the Princeton University camps after a gunman was reported to be inside. According to New Jersey Attorney General's office, police shot the gunman dead. According to the Princeton University alert page, two campus buildings near the restaurant were evacuated as a precaution. Classes are currently not in session, as Princeton is on its spring break.The standoff continued from the lunch hour into the late afternoon. The identity of the deceased man is being withheld pending notification of family members. No further details of the shooting are being released at this time due to the ongoing investigation. 675

PARKLAND, Fla. (KGTV AND CNN) - School shooting suspect Nikolas Cruz plans to plead guilty, according to Howard Finkelstein, Broward County public defender.17 people were shot and killed at Marjory Stoneman Douglas High School in Parkland Wednesday.Cruz, 19, was arrested nearby after the shooting. He confessed to police, according to the Associated Press. He faces 17 counts of premeditated murder.“It’s to avoid the unnecessary arduous long painful traumatic reenactment of something that is so horrific the families and the community should not have to relive," Finkelstein told CNN. "Everybody knows who committed the crime and that the only question is does he live or does he die."RELATED: What we know about Nikolas?CruzHe continued: "It seems it’s in no one’s interest to do the same old legal dance we have seen play out across the country way too many times.This is an opportunity to put the criminal case behind and help the victims’ families begin to try and pick up pieces of their lives for our community to heal and to figure out how we stop these things from ever happening again,” Finkelstein said 1133