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— chief among them is medical apparel like gowns, gloves and especially masks.Yes, more will be manufactured, but in the meantime, average citizens are stepping up to fill the need.“Four days ago I woke up and said we’re going to make masks,” said Victoria Shoulders. She contacted friends and started Operation Come Together in the driveway of her Clarksville home.“You have to come together and get a group of people to provide what they can,” said volunteer Rhett Barnes.More than 200 volunteers have now stepped up with items to meet CDC basic guidelines for emergency masks — cotton fabric and paracord in place of elastic since there’s none of that left.Sewing teams put the masks together. Word has spread and requests are coming in to Shoulders.“Right now 4,600 masks needed from Hendersonville to Paducah, with more requests coming,” said Shoulders.The cloth masks will go to hospitals, nursing homes and any other front line worker who needs one.Shoulders concedes these masks are not as good as the N95 professional facemasks, but they are stop gap.“This is what we can do. We don’t know if they will work 100 percent, but something is better than nothing,” said Shoulders. “We will keep making them until we don’t need to do it anymore.”Shoulders heads up just one of many citizens groups trying to help fill the immediate need for more masks.Vanderbilt Medical Center says while they have an adequate supply of personal protective equipment, they know there's a need worldwide. 1492

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

Court records say Tellez continued with his route dropping off the children at their designated stops. According to police, surveillance video on the bus recorded video and sound of the incident.Tellez was arrested for child abuse endangerment, reckless driving, and making threats.Mesa Public Schools released the following statement: 338

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You’ve decorated the tree, put up the lights and placed a lit candle in every window. But the next thing you know, you smell smoke.Candle fires, stolen presents and other calamities can put an unwelcome damper on your seasonal cheer, but insurance can often help clean up the mess. Here are some common holiday disasters and how your homeowners insurance can come to the rescue.1. Decorations catch fire“Chestnuts roasting on an open fire” takes on a whole new meaning when the halls are decked with fire hazards. Dehydrated Christmas trees can go up in flames if placed too close to a heat source, and fires from candles make up half of December home decoration fires, according to the U.S. Fire Administration.Fire is covered in three main ways. Dwelling coverage pays for repairs to your home, while other structures coverage is for things like a detached garage or fence. Personal property coverage will pay to replace damaged belongings, up to your policy limits.To avoid festive fires, keep candles away from flammable objects, follow all manufacturer instructions for holiday lights outside and keep a real Christmas tree hydrated.2. Your identity gets stolenIf you’ve shopped online for holiday gifts this year, your credit card or bank account information may be at risk of getting stolen.Identity theft coverage can pay for out-of-pocket expenses related to identity theft or fraud. Some homeowners insurance policies automatically include this coverage for free, but you’ll probably have to add it to your policy.You can reduce the risk of identity theft from online shopping by avoiding unsecured networks and by purchasing from trusted stores — check for a privacy policy on the site and a padlock to the left of the URL. To protect yourself from potential data breaches, reenter account information with every purchase instead of allowing online vendors to store your information.3. Presents get stolenIf expensive holiday gifts go missing, don’t pout. Your personal property coverage covers items stolen from your home and car, up to your policy limits.To prevent any grinches from stealing holiday presents, avoid letting packages sit unattended and consider setting up a security camera system around your home. If you leave gifts in the car, tuck them away safely in the trunk, lock the doors and park in a well-lit location.If gifts are stolen, file a claim with your insurance company only if their value exceeds your deductible.4. A guest gets injuredSay you undercook the turkey and send relatives to the hospital. Maybe someone breaks a hip on your icy walkway, or the dog bites a guest. You could end up on the hook for their medical costs.The medical expense coverage in your home insurance policy pays to treat your sick or injured guests, no matter who’s legally responsible, while your personal liability coverage will cover you in case they decide to sue.Because of the pandemic, you may be skipping holiday gatherings entirely this year. But if you do host guests, make sure you abide by the guidelines for small gatherings from the Centers for Disease Control and Prevention, or CDC, which include wearing face masks and practicing social distancing.5. A water pipe burstsIf a pipe gets cold enough, water freezes and expands inside, increasing the chance of a burst. Water damage from burst pipes is generally covered by home insurance, but check the fine print in your policy, as you’re covered only if the burst is accidental and not due to poor maintenance.To avoid damage, watch for warning signs of frozen pipes, such as low water pressure or frost on the outside of the pipe. To offset the chance of a water burst:Keep your home’s thermostat set to a minimum of 55 degrees.Open kitchen- and bathroom-sink cabinets to allow for circulation of warmer air.Let water drip from faucets to relieve water pressure.More From NerdWalletGot Life Insurance? You May Not Have EnoughBought a Pricey Present? Here’s How to Insure ItLife Insurance Shoppers Lose Interest When COVID-19 Cases DropBen Moore writes for NerdWallet. Email: bmoore@nerdwallet.com. 4088

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