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These days, you can sit on your couch and get a pretty accurate answer to the age-old question: “What’s my trade-in worth?”As online used car retailers streamline the buying process, they’re creating more convenient ways to handle car-buying’s Achilles’ heel, the trade-in. And, with the current used car shortage caused by the pandemic, you might get a surprisingly high price selling your car to them rather than trading it in.You don’t have to sell, of course; you’re just finding out what your trade-in is worth in the most accurate way possible — the price someone will actually pay.Here’s what the process looks like, and how you can use the results.Places to get a quote onlineAlthough there may be other places in your area to trade in or sell your car, there are currently three companies dominating online used car sales: Carvana, Shift and Vroom. These companies allow you to self-appraise your car and get a quote to either sell your car or trade it in for one of theirs. The transaction and paperwork are touchless.Not all these companies are nationwide, and your vehicle will be inspected by a company representative — and the offer possibly adjusted — before you get your money.Another way to sell or trade your car is through CarMax, a used car superstore with outlets in 40 states and an in-person appraisal process that takes about 45 minutes. It may be easier to look up your car’s value on Edmunds.com, where you can get a CarMax quote without even having to go to one of its car lots.A real-world comparison testBefore starting the appraisal process, I checked pricing guide Kelley Blue Book, known as KBB, to get an idea of my cars’ trade-in values at a dealer, then collected online offers from CarMax, Carvana, Vroom and Shift.On these sites, you can fill in information manually or supply your car’s license plate number or 17-digit vehicle identification number to fetch precise year, make, model and trim. They’ll ask you about options on the car, color, if the car has been smoked in, and any warning lights or body damage. You’ll typically get an offer in minutes.Here are the results for my 2014 Volkswagen SportWagen TDI with 41,000 miles:KBB trade-in estimate: ,213.Lowest purchase offer (CarMax): ,700.Best purchase offer (Carvana): ,067.I ran the same numbers for my son’s 2016 Mazda3 Sport with 72,732 miles:KBB trade-in estimate: ,085.Lowest purchase offer (Vroom): ,750.Best purchase offer (Shift): ,100.And a friend let me run his 2019 Honda Civic Si with 4,200 miles:KBB trade-in estimate: ,225.Lowest purchase offer (CarMax): ,700.Best purchase offer (Carvana): ,077.As you can see, pricing is highly variable. The more sources you contact, the better.Do you really get that much?These companies promise a no-haggle, fair price for your trade-in. But does the price change when the company’s representative shows up and goes over your car with a fine-toothed comb?Sometimes, sellers omit important aspects of their car’s condition such as frame damage from an accident or rust, says Toby Russell, co-CEO of Shift. In these cases, after a physical inspection, the price is reduced. However, there are times when a customer gets more for a car because market conditions have changed.If a customer is transparent when describing a vehicle’s condition, “we don’t anticipate having to make adjustments to our offers,” says Carvana spokesperson Amy O’Hara. “But we are prepared should the situation arise.”Online comments on sites such as Reddit support these statements. Most consumers found the trade-in or sales process at these companies to be fast, transparent and convenient.Don’t forget the sales taxWith these figures in hand, you are in a position of strength when you visit an actual dealer.In most states, if you trade in your car, you pay sales tax only on the difference between the cost of the new car and your old one. If your new car is ,000 and you are getting ,000 for your trade-in, you pay sales tax on the difference: ,000. In a state with a 10% sales tax, you saved ,000 by trading in.That should be a consideration if a dealer’s offer doesn’t quite measure up to the offers you get online or through CarMax.Let the dealer make you its best offer. Tell the used car manager, the internet sales office or the salesperson that you’ve already appraised your car on pricing guides and gotten quotes from online retailers. You don’t need to share the offers you have — just ask for their best price.Factor in the sales tax before you reject anything, but with backup offers it’s easy to walk away, sell the car independently and return with cash to strike a better deal.More From NerdWalletWill You Get a Refund If COVID-19 Closes Your Campus?College Going Online? Student Loans Still Cover Living CostsChoose the Right Vehicle for Your Off-Road AdventuresPhilip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 4940

Thousands of youth sporting events were canceled this spring due to the COVID-19 pandemic.It's tough enough that kids are missing a whole season of baseball or soccer. But now, soccer moms and dads everywhere are growing frustrated.Many paid hundreds of dollars for their kids to participate in spring soccer leagues that ended up canceled, and refunds are turning out to be elusive. Some families paid over ,000 for two children to join private clubs.One weekend of play, 0 goneJulie Hooper is the mother of a third-grader who only got to play one weekend before the season was shut down."For the spring soccer league, we paid 5," she said.When parents called the head coaches after the cancellation, they did not get what they had hoped."We asked where our money is, and they are keeping all of it and told us we get a 10% discount if we sign up for next season," she said.Hooper said she would understand had they at least continued training, but there have been no tournaments, games or practices, and the club still has the parents' money."I've heard from other teams, other clubs, that they would get money back from tournaments not played," she said.Where is the money?But many clubs are not giving refunds. News reports and Facebook complaints show soccer parents nationwide are asking where the money has gone.Some teams say they prepaid for tournaments and are having problems getting those deposits back from larger sporting organizations. Others say much of the money went to field maintenance and insurance, and those funds are gone for good.Hooper said she doesn't expect a full refund, but "to pay 5 and get so little, it just seems like we should get something back. We feel we are deserving of that because we are all going through hard times."Some soccer clubs are applying for federal pandemic assistance and using that money to refund parents because they say they simply don't have the cash in the bank to give families their money back.As always, don't waste your money.________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money-saving advice, go to www.dontwasteyourmoney.com 2275

There's still no telling when we'll return to the old normal here in the United States, but that's not stopping people from dating and trying to meet new people online.With the pandemic top of mind, most online daters are doing their part to stay safe.“Video is very strong at assessing appearance, personality. There's no reason to meet up with someone when a simple two or three video chat can disqualify them,” said Geoff Cook, CEO of The Meet Group.The Meet Group, which owns several social networking apps, expects people to continue to video chat before going on a date in person even after the pandemic. But the company has also noticed a need to help online daters make healthy decisions. So, it created the Safer Dating Advisory Board.The Meet Group recruited epidemiologists and infectious disease doctors to come up with tips for safer dating. The first thing the health experts suggest is that daters be honest with one another.“Talk about comfort level, with in-person interactions, with potential dates,” said Dr. Tali Elfassy with the Safer Dating Advisory Board. “Talk about your normal activities in your day to day life. So, let your potential partners know if you work from home, whether you live in a multi-generational household.”Both people should assess their own risk and whether they feel comfortable with in-person dating.People should listen to local orders, especially if they live in an area with a high number of cases. The advisory board says people in these areas should stay home.If daters do choose to go out, they should meet outdoors, wear a mask, and if they are meeting a lot of people, they should get tested and try to reduce the number of people they're meeting. 1711

This is a story about a state trooper, a collision and a lie.It begins at a parking lot in Michigan.  While on duty last May, Trooper Kevin Klomparens had pulled into a Chipotle restaurant in his Michigan State Police vehicle.  He was backing into a parking space when his SUV backed into a parked car.The damage caused was minimal: scratches and a small dent that totaled a few hundred dollars in damage. But Trooper Klomparens didn’t notify the car’s owner, leave a note or report the accident. Instead, he pulled out of the space and left.The driver of the damaged car turned out to be a 20-year-old college student who worked at a Southfield restaurant. She didn’t feel comfortable talking to Detroit-based WXYZ on-camera for this story, but said off-camera that she learned about the accident from two people who witnessed it. They told her, and then police.According to police records, the two witnesses said they heard “a loud crunch” and saw the trooper “commit a hit and run.”  Dispatch notified nearby officers that one of their own had been involved in an accident.  Klomparens heard the message on his police radio, and that’s when he turned his small problem into a much bigger one.Klomparens: I just got sideswiped by a car, I’m at 8 and Lahser.  He flipped and headed back east on Westbound 8 Mile, I’m trying to catch up.  I’m not entirely sure what kind of car it is, a grey sedan.Dispatch: And he’s now Eastbound or Westbound on 8?Klomparens: Eastbound. He hit a turnaround, I’m stopped at a traffic light when he hit my backend.Klomparens said he was the victim of a crime and said he was in a police chase with the person responsible.Dispatch: Did you get a plate?Klomparens: Negative on a plate, he turned behind me, there was a Michigan u-turn behind me. He turned back and sped off eastbound.In truth, there was no chase.  No sideswipe.  Klomparens made it all up.“Unbelievable that this officer would respond in that manner,” said Willie Bell, who spent 32 years as a Detroit Police Officer. “You’re violating the confidence that people have in police officers in general.”Today, Bell serves on the Detroit Board of Police Commissioners.“It’s a simple accident, but now it lays to totally lack of confidence, not just in this officer, but police officers in general,” Bell said.After the accident, MSP investigated and Trooper Klomparens admitted to making the story up.  The case was forwarded to Attorney General Bill Schuette’s office for possible prosecution. His office declined to charge the trooper with anything, writing in part that while “(w)e are certainly not condoning the actions of the trooper,” “there are better ways to handle this particular incident.”WXYZ asked to speak with Attorney General Schuette on camera to understand why he chose not to bring charges. His office declined. “The average citizen easily would have been charged in this case,” said Michael L. Steinberg, a criminal defense attorney who’s represented men and women accused of hit and run accidents. “Providing false information to a police officer is usually going to get the attention of the prosecuting attorney’s office,” he said. “A police officer doesn’t get special status as far as the law goes.”Klomparens won’t face charges, but he could still face discipline. He is still working at MSP today while internal affairs continues to investigate, more than five months since the accident happened. He declined comment for this story.The owner of the damaged vehicle says state police promised to reimburse her the full cost of repairing her SUV.  Months later, she’s still waiting.  3694

The year 2020 was unlike any other, with so much uncertainty and new challenges. The world responded by asking “why”, according to the top global Google searches this year released this week.The search platform says “why” questions were searched more in 2020 than in any other year. With questions like “why can’t I sleep,” “why social distancing,” and “why is it called COVID-19.”Google says “insomnia” was searched globally more in 2020 than ever before.Here in the U.S., the uncertainty of the election, coronavirus and the economy drove a lot of the search inquiries. Google separated results based on general topics in their annual report. The top five news-related searches were “election results,” “coronavirus,” “stimulus checks,” “unemployment,” and “Iran,” with “stock market” and “murder hornet” also making the top ten.And people wanted more information, with questions like “coronavirus symptoms,” “COVID-19 testing sites near me,” and sarching the definitions of “pandemic,” “Juneteenth,” and “asymptomatic.”Americans also went to Google to find how to keep themselves busy during the coronavirus pandemic, with queries like “recipes for Sourdough bread,” “how to cut men’s hair at home,” “dating during coronavirus,” “how to make a mask,” “where to buy toilet paper,” and searches for “virtual field trips” and “virtual museum tours.”Joe Biden was the top person Americans typed into Google search, followed by Kim Jong Un, Kamala Harris, Jacob Blake and Ryan Newman.Searches for Tom Hanks and Kobe Bryant were also high on Google’s list; Hanks contracted COVID-19 earlier this year and Bryant died tragically in a helicopter crash in January.People were also moved to help. Searches for “how to help Black Lives Matter,” “how to help during coronavirus,” “how to donate blood,” and “how to help someone having a panic attack” were four of the top “how to” inquiries on Google search. 1907

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