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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

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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

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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

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Pawn shops report sales boom despite pandemic

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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/

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.

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Whenever you get a windfall such as a bonus or a tax return, designate at least half to paying down debts. You save the amount of interest you would have paid on that amount, which is charged at a much higher rate than any savings account pays. Some of the money will still be left for a small splurge, but the rest will make your financial life better for the future.

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Pawn shops report sales boom despite pandemic

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Never use a credit card for cash advances. The interest rate on a cash advance can be almost double the interest rate on a purchase. The interest on cash advances is also calculated from the moment you withdrawal the cash, so you will still be charged some interest even if you pay off your credit card in full at the end of the month.

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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.

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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

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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/

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If you are searching for a mortgage or auto loan, do your shopping relatively quickly. Unlike with other types of credit (e.g. credit cards), a number of inquiries within a short period of time for the purpose of securing a mortgage or auto loan won`t hurt your score very much.

Concentrate your loans into one simple loan to fortify your personal finance goal. Not only can this make keeping track of where all your money is going, but also it gives you the added bonus of not having to pay interest rates to a variety of places. One simple interest rate beats four to five interest rates at other places.

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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

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When it comes to personal finances, pay yourself first. When you get paid, put at least ten percent of your pre-tax income into savings before you use your pay check to do other things. If you get in the habit of doing this you will never miss that money and you will be building your savings account.

Concentrate your loans into one simple loan to fortify your personal finance goal. Not only can this make keeping track of where all your money is going, but also it gives you the added bonus of not having to pay interest rates to a variety of places. One simple interest rate beats four to five interest rates at other places.

If you have a credit card without a rewards program, consider applying for one that earns you miles. Combine a credit card that earns miles with a frequent flier rewards program from your favorite airline and you`ll fly for free every now and again. Make sure to use your miles before they expire though.

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As was stated in the beginning of this article, personal finance managing can be grueling. However, you do not have to be clueless on the subject. Hopefully, this article has provided you with advice that can help get your finances back on track and help you to live a more comfortable life.

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

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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

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To improve your personal finance habits, make different categories for your various expenses. For instance, put fixed expenses such as rent or mortgage payments in one category. Variable expenditure, such as eating out, shopping, and credit card payments should be placed in a different category. This will help you prioritize expenses.

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.

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Concentrate your loans into one simple loan to fortify your personal finance goal. Not only can this make keeping track of where all your money is going, but also it gives you the added bonus of not having to pay interest rates to a variety of places. One simple interest rate beats four to five interest rates at other places.

If you absolutely need a credit card, search for one that offers you rewards to gain an added personal finance benefit. Most cards offer rewards in various forms. The ones that can help you best are the ones that offer little to no fees. Simply pay your balance off in full each month and get the bonus.

Instead of using credit cards that are almost maxed out, spread it between other cards. You will probably have lower interest payments this way. This can help you build your score and not hurt it if you manage your credit lines the right way.

It is a very scary and real thought to think that when you really need your money, you may have none left. Don`t take this article lightly. Being broke is a nightmare that you can prevent. Take what is given to you in this article, and make sure you don`t find yourself in that situation.

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/

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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

Take control of your finances. Yes, it is crucial to your financial future, but how do you do it? Many people have questions about their money, and it is possible you do, too. Read our tips about personal finances and you will be on your way to financial independence.

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.

If you purchase lean protein in large quantities, you will be saving time and funds. Bulk purchases are excellent if you plan to use all the products you bought. A lot of time will be saved by cooking everything in one day which will leave you with food for the rest of the week.

Check and see if you are getting the best cell phone plan for your needs. If you`ve been on the same plan for the past few years, you probably could be saving some money. Most companies will do a free review of your plan and let you know if something else would work better for you, based on your usage patterns.

Keep track of debit card purchases. Always make a note on paper or your phone as soon as you swipe that card so that you do not forget. Debit cards are very convenient, but also make it easy to overspend a budget, and unless you keep a record it is way too easy to overdraw a bank account without realizing it.

Instead of going out to eat every other night or buying new clothes for each special occasion, learn to be thrifty and manage your money. Remember the tips in this article, so that you can start to manage your personal finances and avoid calls from debt collectors on a daily basis.

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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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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 takes a little time and effort to learn good personal finance habits. When considered next to the time and money that can be wasted through poor financial management, though, putting some work into personal finance education is a real bargain. This article gives some ideas that can help anyone manage their money better.

Never use a credit card for cash advances. The interest rate on a cash advance can be almost double the interest rate on a purchase. The interest on cash advances is also calculated from the moment you withdrawal the cash, so you will still be charged some interest even if you pay off your credit card in full at the end of the month.

When buying a car, choose a used car. The first 10,000 miles on a car are the most expensive. Let someone else drive the car off the lot and then you can take advantage of the price drop when you go to buy the car. The car's value will not have gone down much, but the price will when buying used.

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.

Ordering items that are in limited edition productions or getting the items pre-ordered before everyone else can get it in stores will often allow one to resell it for a higher price than they initially paid. This difference in prices translates into a gain for ones personal finances for a quick resale.

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



Managing your personal finances is imperative for any adult, especially those with children or other dependents. Make the most of your income and stop unncecessary spending by creating shopping lists and budgets. Read this article for more tips on how to spend your income in a wise manner.

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.

If you purchase lean protein in large quantities, you will be saving time and funds. Bulk purchases are excellent if you plan to use all the products you bought. A lot of time will be saved by cooking everything in one day which will leave you with food for the rest of the week.

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.

Manage your career as if it was an investment. Your job and the skills you develop are the most important asset you have. Always work to learn more, attend conferences on your career field and read books and newspapers in your area of expertise. The more you know, the higher your earning potential will be.

As was stated in the beginning of this article, personal finance managing can be grueling. However, you do not have to be clueless on the subject. Hopefully, this article has provided you with advice that can help get your finances back on track and help you to live a more comfortable life. 



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