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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

PINAL COUNTY, Ariz. -- Five people have been arrested after Arizona law enforcement agencies teamed up to combat child sexual exploitation and child sex trafficking in Pinal County.Arizona Department of Public Safety announced Wednesday that their detectives led Operation Home Alone 2, a mission targeting sexual predators who attempted to lure underage children with the intent of engaging in sexual activity. 419

Peas and Carrot will both likely be spared of the fate of becoming a Thanksgiving meal by President Trump — but only one will be named "National Thanksgiving Turkey."On Monday, the two South Dakota-grown turkeys have introduced at the Intercontinental Hotel in Washington, D.C.After meeting the President on Tuesday, Peas and Carrot will "retire" to Virginia Tech, where they'll join last year's pardoned turkeys — Drumstick and Wshbone.Last year, the Drumstick beat out Wishbone as the nation's Thanksgiving Turkey, beating out his buddy, Wishbone. President Trump later pardoned both turkeys, which now live in a farm at Virginia Tech in Blacksburg, Virginia.Click here to vote for which turkey you'd like to see be named the "National Thanksgiving Turkey" of the year.    802

PARSIPPANY, N.J. — The loss of Hannah Ernst’s grandfather, Cal Schoenfeld, is still very fresh in her mind."He was one in a million," she said when describing him. "He had a heart of gold and his smile was beyond anything."It was on May 8 when the family’s patriarch lost a month-long battle with COVID-19.The loss was devastating to the Parsippany family, all happening at the height of the COVID-19 crisis in New Jersey."There was a lot of panic, a lot of pandemonium," she said.A time of mourning soon turned into a moment of inspiration for the 15-year-old, who created a digital portrait to honor her grandfather."I was just really messing on my iPad," Ernst explained. "I’ve seen something similar where you make silhouettes of people but I thought how cool would it be if someone put the yellow heart, which is the symbol of COVID, in the back of them."The creative and powerful tribute was later posted by the teen’s mom in a COVID-19 support group on Facebook which then led to others inquiring about getting their loved ones memorialized.Her “Faces of Covid” project then materialized and 325 portraits later, Ernst says she’s just getting started."I think they felt a part of something," she said, referring to what her portraits brought to families. "I think that this virus has unfortunately put together a group of people that share the common thread of losing somebody."Ernst says her project will be an ongoing one, in an effort to highlight those lost while educating those unfazed by the death toll, now nearing 200,000 in the U.S."I’m trying to help the people who don’t necessarily see this virus as the threat, to really visualize the impact it’s had on this time."Learn more about the "Faces of Covid" project on Facebook.This story originally reported by Andrew Ramos on PIX11.com. 1813

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

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