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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

PALA MESA, Calif. (KGTV) -- A Temecula woman who stopped to help victims of a deadly bus crash in Pala Mesa on the I-15 freeway is hoping to connect with the family of the woman she comforted until she passed. Jacqueline Hernandez says she never thought twice about stopping to help the victims of the bus crash. She says it was pouring rain, but when she noticed what happened, she pulled over to ask how she could help. Hernandez says she joined other Good Samaritans that had pulled over to help. She says, she arrived just moments after the crash. The charter bus traveling from El Monte to Tijuana on the southbound 15 when it crashed. Three women were killed, 18 people were sent to local hospitals. Hernandez tells 10News she noticed a woman ejected from the bus and says two men started alternating CPR. She says she tried to keep the woman alert, speaking to her in Spanish and holding her face. Eventually paramedics told Hernandez the woman no longer had a pulse. While Hernandez tried to help the woman, her two children passed out blankets to the other victims that were injured.Hernandez wants the woman's family to know their loved one was not alone in her final moments. The California Highway Patrol is now helping Hernandez arrange a meeting with the woman's family. Hernandez is hoping to help them financially with funeral costs. The three victims were identified as ,23-year-old Cinthya Karely Rodriguez Banda, Maria De La Luz Diaz, 67 of Riverside, and Julia Perez Cornejo, 73. 1508

Police have made an arrest in the death of Melinda Pleskovic — a long-time Strongsville, Ohio teacher.The fiancé of Melinda's daughter has been charged with aggravated murder.Jeffrey Scullin, 20, was arrested Tuesday. His bond was set at million. RELATED: Strongsville man calls 911, says 'I think someone killed my wife'Authorities did not release any additional information about the case in a news conference Tuesday afternoon. Scullin was one of the people who called 911 when Melinda's body was found at their home last Monday night. Hear a portion of the 911 call in the media player above. He told dispatchers he had just arrived at the home with Melinda's husband. Melinda was supposed to meet her husband at Brew Kettle for dinner that night but never arrived. Police said Scullin lived at the home. The police report from the night of the homicide shows his fiancé — Melinda's daughter — also lived there. Just one week earlier, Scullin can be heard calling 911 again, this time to report a break-in. He told the dispatcher the person he saw looked like him."Probably a male," he can be heard saying on the call. "They were around my size and I'm pretty big. Blue hoodie and what colored pants?"The medical examiner ruled Melinda?died from gunshot wounds and "sharp force injuries of the trunk with skeletal, vascular and visceral injuries."  1498

Parents are approaching back-to-school as best they can, whether their kids are learning at home or face-to-face in the classroom. Many are also relying on after-school programs to help keep their kids mentally and academically successful."The reality is that because most of our schools are virtual or hybrid, after school is all the time and so our programs have been on overdrive to try and meet the need of all of our working parents. And whether you’re working from home or you have to go into work, it’s really hard to do that when you have kids that are home," said Jodi Grant, the Executive Director of the Afterschool Alliance.Grant says after-school programs during the pandemic are essential. The national organization works with 27,000 programs across the country that are not only providing meals to children, but also virtual classroom spaces and childcare for working parents."I think we need to stop and put the kids first. And there’s a lot of creative ways that our kids can be learning, and they don't need to be isolated. After-school programs have jumped to do that and jumped through hoops to do that," said Grant.YMCA of the USA has slowly been reopening some programs since the spring, including a number of day camps this summer. As the fall approached, organizers realized they needed to expand after-school programs."We saw the need in the community to pivot to an all-day childcare model, where the children can now come to the Y, they’ll be separated into different pods and staff as they go through their virtual learning programs via their schools," said Ryan O'Malley with YMCA of the USA.O'Malley says there are more than 370 YMCA locations providing full-day childcare and virtual learning classrooms in 45 states across the country. Boys and Girls Clubs of America has 4,700 locations in the U.S. and right now more than 83% of them are providing some level of service."I think it's critical for both the physical safety but also the emotional safety for those young people and being able to provide those services," said Misty Miller, Senior Vice President for Organizational Development, Field Operations for the Boys and Girls Clubs of America.Miller says a majority of their Boys and Girls Clubs have opened in some capacity."With many of our schools being virtual, we have about 1,300 sites that are opening for the full day to be these virtual learning hubs or safety zones, if you will, which is a different place for us. And it's a very expensive place for us. Clubs are increasing their operating costs," said Miller. Boys and Girls Clubs reports it’s spending at least three times as much as it normally does on after-school care to accommodate safety protocols for COVID-19. YMCA of the USA says they've lost more than billion in revenue since the spring and that after-school programs are suffering financially right now."Very much so. I think it's a combination of things. One is that the programs that are operating its much more expensive to do. In many cases they have to rent additional space, they have to hire more staff, it's longer hours. We are pushing very hard in the next COVID bill to get some federal resources into after-school [programs] so that we can do this one-time short-term influx of money," said O'Malley.Some after-school programs are even helping families cover the costs of childcare, since many parents are finding it hard economically right now to pay the fees."We are looking to the communities for that support but we’re also looking to the federal government for that support. Ys are facing financial hardship that only the federal government can provide, so we’re really asking Congress to give back and look for that relief for charities that are so important to keep non-profits open like the Y open," said O'Malley. 3810

PALM CITY, Calif. (KGTV) — An auto theft suspect barricaded himself in an SUV at a South Bay motel, prompting a seven-hour SWAT standoff Thursday.SWAT officers surrounded the SUV in the E-Z 8 Motel on Outer Rd. at around 9 a.m. in the Palm City neighborhood, near Otay Mesa West.About 4 p.m., the suspect surrendered with his hands up.The suspect, identified as a man in his late 20s or early 30s, was the suspect of auto thefts in the South Bay and has a criminal history in the National City area, according to San Diego Police. Police had previously told 10News the man was a hit-and-run suspect.National City Police responded to the motel Thursday morning waiting for the suspect to exit, according to SDPD. The suspect and his girlfriend got into the parked SUV. When police surrounded the pair, the woman surrendered but the suspect did not. She was not arrested, police told 10News.Police initially believed the suspect was armed, they're continuing to search his motel room and vehicle for the gun. 1015