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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

Philadelphia's mayor has apologized after he was photographed dining indoors at an out-of-state restaurant, even though restaurant dining rooms in his remain closed due to the pandemic.In a series of tweets Monday, Philadelphia Mayor Jim Kenney (D) said he understands the frustration some felt when photos surfaced that showed him eating indoors at a friend's restaurant in Maryland."Restaurant owners are among the hardest hit by the pandemic. I'm sorry if my decision hurt those who've worked to keep their businesses going under difficult circumstances. Looking forward to reopening indoor dining soon and visiting my favorite spots." 646

Police in Illinois have deemed a local man a hero after he raced to rescue a man from a burning vehicle on Sunday evening.According to the Aurora Police Department's Facebook page, a 57-year-old man rushed to the rescue after a single-car crash just after midnight on Saturday. Dash cam video from the crash shows the man dragging the driver away from the car by his legs as flames shoot out of the driver's side window.According to Aurora police, it was 58-year-old Jose Martinez who rushed out of his home to save the driver, a 34-year-old man. A second man, 29-year-old Devin Johnson, also helped by pulling the man away from the car.  "To say Jose's actions were heroic and brave are an understatement. Had he not taken immediate action, the driver would not have lived," the department wrote on Facebook. " Devin should also be commended for assuring the man was out of harm's way. Outstanding job, gentlemen." Patch Aurora reports that the driver was treated for burns and other non-life threatening injuries. He was charged with a DUI.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider.    1190

PARIS (AP) — Oscar winner Olivia de Havilland, best known as the kindly Melanie in “Gone With the Wind,” has died. She was 104.Publicist Lisa Goldberg said the actress died peacefully of natural causes on Sunday at her home in Paris.The doe-eyed brunette was among the last of the great stars from the studio age and was the last surviving major performer from “Gone With the Wind.”The star won the Academy Award for Best Actress in a Leading Role for her role in 1946's “To Each His Own,” and won it again for her work in 1949's “The Heiress.”The sister of actress Joan Fontaine, de Havilland also appeared with Errol Flynn in several movies, including “The Adventures of Robin Hood.” 693

Police are investigating two related robberies that happened late last night.A 71-year-old woman, her adult daughter and juvenile granddaughter were robbed by 2 men around 11:18 p.m. in the parking garage at Treasure Island on the Las Vegas Strip. Police say the 3 females were battered during the incident. The extent of their injuries are unknown.Next, police say a couple, both of whom are 18 years old, were robbed by the 2 men with a gun in a parking lot at Fashion Show mall.Police spotted the men in the parking garage of the SLS hotel-casino. The men rammed an empty patrol car in their attempt to escape. After a short foot chase, they were taken into custody by Las Vegas police.  703