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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

Pāhoa, Hawaii (KGTV) -- Evacuations are in place on the Big Island as lava emissions continue in the Leilani Estates subdivision near Mohala Street. All residents were required to evacuate Thursday night. RELATED: Lava forces evacuations in residential HawaiiOn the 10News Facebook, many San Diegans have commented, concerned about family in the area. Here is information you may find helpful:  427

People who aren’t rich or famous typically don’t have prenuptial agreements, which are legal documents detailing who gets what in a divorce. Even ordinary folks without prenups, though, should think about how to protect their money if something goes wrong.Planning for divorce may be cynical, but it’s also smart, San Diego certified financial planner Ginita Wall says.“It’s cynical to put on a seat belt when you pull out of your garage, because you’re planning for an accident,” says Wall, who is also a certified public accountant and the author of several books including “The ABCs of Divorce for Women.” “You want to be safe if that happens, God forbid.”Marital breakups aren’t the only concern. Creditors can come after joint accounts and property if a spouse has unpaid debts or gets sued, says Carl Soranno, a family law attorney in Roseland, New Jersey.“Even if your marriage is strong, or you think it’s strong, there are events that can put pressure on it,” Soranno says.Estate planning also can be easier when at least some assets are kept as separate property. You might trust your spouse to do right by the kids after you’re gone, for example, but can you trust your spouse’s next spouse? Separate property can allow you to better control who inherits after your death.“Separate property,” by the way, is the legal term for assets such as cash, investments and real estate that you owned before you married. It also applies to any gifts or inheritances you receive during marriage.But there are plenty of ways separate property can become marital property if you’re not careful. Depositing an inheritance into a joint account can do it. So can using money from a joint account to pay taxes on separately owned investments or property. State laws vary enormously, so it can be worth consulting an experienced attorney or financial planner to find out the rules that apply in yours, says CFP Shelly-Ann Eweka, a wealth management director with TIAA in Denver.“You want someone familiar with your state laws and your situation to give you advice,” Eweka says.Here are some moves that typically help to protect what you own:Have ‘mine’ and ‘ours’ accounts 2178

Parts of Hawaii are under a hurricane watch as Category 3 Hurricane Douglas has its sights set on the island state. The hurricane watch is in effect for the Big Island and Maui County.Packing top winds of 115 MPH as of 11 a.m. HT (5 p.m. ET), Douglas is moving toward Hawaii at 18 MPH. The storm was positioned 785 miles from Hilo, or 985 miles from Honolulu.Douglas is relatively small, with hurricane-force winds only extending 25 miles from the center.While the powerful hurricane is in the open ocean, it has been slowly losing strength. The National Hurricane Center projects it will weaken into a tropical storm by Sunday night. But the storm could still be a hurricane when it crosses the island chain, which would make it the first hurricane to directly hit the island in more than two decades.Category 4 Iniki of 1992. was the most recent hurricane to strike Hawaii directly. Before that, just two other hurricanes have directly hit the islands since the late 1800s.Meanwhile, parts of the Texas coast is under a tropical storm warning ahead of Hanna, which is expected to come ashore tomorrow. 1111

OWENTON, Ky. -- A McDonald's worker who handled food while infected with hepatitis A might have spread the illness to customers, according to a news release from the Three Rivers District Health Department in Kentucky. The announcement arrived less than a week after a similar one from Clermont County, where a Taco Bell worker was diagnosed with the virus."While it is relatively uncommon for restaurant patrons to become infected with hepatitis A due to an infected food handler, anyone who consumed food or drink at the Owenton McDonald's (between Aug. 16-27) is advised to get a hepatitis A vaccination," district health officials wrote in a news release.The McDonald's in question is located at 506 South Main Street in Owenton, Kentucky.Officials added the McDonald's management was cooperating with their investigation, employees had been told to receive a vaccination and the entire staff reviewed standard hygiene practices to prevent transmission.Kentucky is in the midst of a statewide outbreak of hepatitis A, a liver infection that can remain asymptomatic for many weeks before causing fatigue, nausea, joint paint and low-grade fevers. People with existing health problems, especially older adults, can sometimes experience sudden liver shutdowns, according to Mayo Clinic. Hepatitis A is normally transmitted through small particles of feces that remain on an infected person's hands after using the restroom. If they prepare food or drink afterward, they can potentially infect large numbers of unsuspecting people. Effective hand-washing and vaccination reduce the risk of the infection spreading. 1632