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 Coronavirus 

ALBUQUERQUE, N.M. (AP) — High school athletic directors across New Mexico are ac…

QUINCY, Ill. (AP) — Providers of fast money, pawn shops throughout the region have taken on an enhanced profile in an economy turned upside down by the coronavirus.

“We were an essential business because we have loans. Not everyone can get an afford or qualify for a loan at a bank, so for a while we were thinking we were going to be pretty busy,” said Mike Pigg, who has owned Mike’s Jewelry and Loan, 126 N. Fifth, since 2011.

Instead of being busy providing loans, Pigg and West Quincy Pawn Shop owner Lionel Hammond said the pawn shops have been swamped with customers coming in buying guns, jewelry, electronics and other goods.

“Right now, we are still seeing people coming in with their stimulus checks, and they are in a buying mood.







Many people think that changing your finances requires extreme effort. This is only true, if you're not really sure what you're doing. If you learn the basics of financial management and how to apply them to your situation, you should easily be able to change your finances. Read on for some advice about how to improve your financial situation.

 Triple check your credit card statements the moment you arrive home. Make sure to pay special attention in looking for duplicates of any charges, extra charges you don't recognize, or simple overcharges. If you spot any unusual charges, contact both your credit card company and the business that charged you immediately.

Setup a realistic budget to make your personal finance goals stick. By balancing out what money is coming in versus what you have going out, you can ensure that you will not end up going into the negative and end up with late fees. This is a very easy goal to establish and will have amazing effects from the start.

Going to stores that are about to go out of business or be turned into a different store, can often produce items that can be bought at a greatly discounted price. Getting items you need or can resell at a higher price can both benefit your personal finances.

Coffee is something that you should try to minimize in the morning as much as possible. Purchasing coffee at one of the most popular stores can set you back 5-10 dollars per day, depending on your purchasing frequency. Instead, drink a glass of water or munch on fruit to give you the energy you require.

Taking care of your personal finances is a great way to stretch your money. Learning a little more about how to manage your money is never a waste a time. There is plenty of free information out there to teach you, too. If these tips have given you good ideas about how to handle your finances, keep reading and learn more. 









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Pawnshops see more gun sales, shortages



Local pawnshop operators say they, too, have seen a shortage of ammunition and firearms since the start of the COVID-19 pandemic, adding that they have also seen more first-time gun buyers than ever before.

Last week, local gun store operators told The Sentinel-Record that the pandemic had slowed firearm and ammunition production, coupled with riots across the nation that spiked demand, leading to shortages. They said ammunition production had slowed due to a lack of raw materials, specifically lead and copper, because of mine closures.

https://www.hotsr.com/news/2020/jul/27/pawnshops-see-more-gun-sales-shortages/



These tips should help you get on the right track when it comes to personal finances. Learn how to manage your money smartly by cutting the unnecessary expenses and investing your money in the right places. You could secure a retirement fund or put your children through college if you apply these tips smartly.

The stock market is in a dangerous state right now, so don't take any big investment risks unless you're willing to lose a lot of money. Any investment might seem like a good idea at first, but there are a lot of factors that affect stock prices and unless you're an expert, you won't see them coming.

Maintain at least two different bank accounts to help structure your finances. One account should be dedicated to your income and fixed and variable expenses. The other account should be used only for monthly savings, which should be spent only for emergencies or planned expenses.

There are many ways that you can find great deals on clothes, to put more money in your pocket and limit overspending. Avoid shopping at the upscale stores in the mall and shop at a clearance store, which carries the same brand named items, at much lower prices to fit your budget.

There are a lot of electronic expenses that you will have to pay for during the month. One tip that you can follow is to merge your internet, phone, and cable into one payment plan. There are many providers that offer discounts if you join their company for all three services.

You will gain confidence in yourself when you start learning how to control your financial situation. Start with a few small changes at first. Once you start using them, you will probably immediately start seeing money being saved. When you see how effective these tips are, you will feel drawn to learning more and saving more money. 



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Illinois pawn shops report sales boom despite pandemic



In this Thursday, June. 18, 2020, photo, West Quincy Pawn Shop owner Lionel Hammond poses for a photo in the gun section of the store which Hammond pointed out has a noticeably low stock in West Quincy, Mo. At West Quincy Pawn Shop, Hammond said sales have been off the charts and that he can't keep merchandise on the shelves as buyers are using their governmental stimulus money to buy firearms, jewelry, televisions and other electronics. (Jake Shane/Quincy Herald-Whig via AP)

QUINCY, Ill. — Providers of fast money, pawn shops throughout the region have taken on an enhanced profile in an economy turned upside down by the coronavirus.

https://jg-tc.com/news/state-and-regional/illinois-pawn-shops-report-sales-boom-despite-pandemic/article_c7c2a85a-5353-5256-b42e-01bce7489fbf.html



There's no time like now for gaining control of your finances. Read this guide and learn personal finance tips. You should not have to waste money on expensive finance classes or training to help you better your skills at managing money. Every single knowledge you learn will surely help.

Even in a world of online bank accounts, you should still be balancing your checkbook. It is so easy for things to get lost, or to not really know how much you have spent in any one month. Use your online checking information as a tool to sit down once a month and add up all your debits and credits the old fashioned way. You can catch errors and mistakes that are in your favor, as well as protect yourself from fraudulent charges and identity theft.

Maintain at least two different bank accounts to help structure your finances. One account should be dedicated to your income and fixed and variable expenses. The other account should be used only for monthly savings, which should be spent only for emergencies or planned expenses.

Use multiple credit cards instead of maxing one out. The payments on a maxed-out account is more than the combined interest of two cards with smaller balances. This won't be as damaging to your credit score, which can help you to get your credit built if you're wisely managing two cards.

Every time you get a raise, set aside at least half of the new, after-tax increase for saving more each month. You will still enjoy a higher income and will never miss the extra money which you were never used to spending. It is even better if you set up your paycheck or checking account to transfer the money to savings automatically.

It has to be said that taking care of personal finances rarely becomes fun. It can, however, get extremely satisfying. When better personal finance skills pay off directly in terms of money saved, the time invested in learning the subject feels well-spent. Personal finance education can even become an unending cycle. Learning a little helps you save a little; what will happen when you learn more? 



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Ordinance would allow Lincoln pawn shops to operate on Sundays



Lincoln city ordinances prohibit shops from doing pawn transactions on Sundays.

Employee Jesse Daniels turns on televisions for display at AAA Ultimate Pawn's location at 2541 N. 11th St. The city prohibits shops from doing pawn transactions on Sundays.

Lincoln pawn shops could open on Sundays for the first time under a new ordinance under consideration by the City Council. 

https://journalstar.com/news/local/govt-and-politics/ordinance-would-allow-lincoln-pawn-shops-to-operate-on-sundays/article_2b5d8e39-0be7-59cb-9437-0cad8c928faf.html





Finances can be unpleasant for many people in their lives. Sometimes, it seems as if your money flies out of your wallet to pay for extra expenses. Whether or not you are experiencing this problem, you could still learn tips on how to organize your personal finances better, so you could save money as opposed to mindlessly spending it.

To establish a good credit history or repair a bad one, you will want to keep your credit card balances low. You should never let your balance get anywhere near your maximum credit line. Having reasonable balances that you pay off regularly is a sign of a responsible credit user who can be trusted with debt.

To find out where your money is going record all of your spending. For at least a month, write down every single time you spend money, and what you are spending the money on. After you have done this for the month, review your spending habits and make changes as necessary.

Avoid using the mall to meet your entertainment needs. This often leads to spending money you don't have and charging things that you don't really need. Try to shop only when you have a specific item to buy and a specific amount to spend. This will help you to stay on budget.

There are a lot of electronic expenses that you will have to pay for during the month. One tip that you can follow is to merge your internet, phone, and cable into one payment plan. There are many providers that offer discounts if you join their company for all three services.

Now that you have read the above article you should know good ways to save money, even when unexpected crop up. Changing your current situation might take time, but your efforts will be rewarded. Just like losing weight, the results of your hard work won't be immediate. You will see changes, if you stay focused on your goal. 













Illinois pawn shops report sales boom despite pandemic



In this Thursday, June. 18, 2020, photo, West Quincy Pawn Shop owner Lionel Hammond poses for a photo in the gun section of the store which Hammond pointed out has a noticeably low stock in West Quincy, Mo. At West Quincy Pawn Shop, Hammond said sales have been off the charts and that he can't keep merchandise on the shelves as buyers are using their governmental stimulus money to buy firearms, jewelry, televisions and other electronics. (Jake Shane/Quincy Herald-Whig via AP)

QUINCY, Ill. — Providers of fast money, pawn shops throughout the region have taken on an enhanced profile in an economy turned upside down by the coronavirus.

https://jg-tc.com/news/state-and-regional/illinois-pawn-shops-report-sales-boom-despite-pandemic/article_c7c2a85a-5353-5256-b42e-01bce7489fbf.html





It's been said that "u0098money makes the world go round' but a lack of money can bring your life to a standstill. Whether your finances are in bad shape or you want to make smart decisions in the future, you should strive to develop good money habits now. Read on for some great suggestions.

While it is important to ask around about what you should invest in, it is necessary that you follow your own intuition in the end. Ultimately, it is your money that you are investing. Therefore, you have to make sure that you believe in every investment that you make.

Don't bother with store credit cards. Store cards have a bad cost/benefit calculation. If you pay on time, it won't help your credit all that much, but if a store account goes to collections, it will impact your credit history just as much as any other default. Get a major credit card for credit repair instead.

One of the best ways to start saving is to get an old-fashioned piggy bank. Get a big plastic one that cannot be opened. Put all your change in your piggy bank and if you find money or get money as a gift, put half of it in the piggy bank. When the piggy bank is full, cut it open. You will have a great start to a savings account.

An important tip to consider when working to repair your credit is to consider hiring an attorney who knows applicable laws. This is only important if you have found that you are in deeper trouble than you can manage on your own, or if you have incorrect information that you were not able to rectify on your own.

With all the information this article has to offer you should already start thinking about strategies you want to use towards your personal finance goals. Remember that this article only contains a portion of what you can know about personal finance, so be on the lookout for more information and apply all of what you know to accomplish your personal finance goals.