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TAMPA, Fla. (AP) — An all-Black officiating crew worked an NFL game for the first time in league history when the Tampa Bay Buccaneers faced the Los Angeles Rams on Monday night. Referee Jerome Boger led the crew, which also included umpire Barry Anderson, down judge Julian Mapp, line judge Carl Johnson, side judge Dale Shaw, field judge Anthony Jeffries and back judge Greg Steed. 392

The Borderline Bar & Grill was packed as patrons danced, watched a Lakers' game or played pool. It was country college night, and people swayed to the beat as music blared through speakers.Suddenly, a man wearing a black trench coat and glasses approached the bar entrance and shot the security guard.Inside the bar, some people thought it was fireworks or sound effects from the music, and kept dancing, witnesses said.Within seconds, witnesses said, the gunman burst into the bar with a Glock .45-caliber handgun and shot someone at the cash register. People dropped to the ground and hid under pool tables and bar stools. Some piled atop one another while others slammed bar stools against windows to break them.Those who got out ran, the sounds of rapid gunfire echoing around them in the dark."They ran out of back doors, they broke windows, they went through windows, they hid up in the attic, they hid in the bathroom," Ventura County Sheriff Geoff Dean said.By the time the gun went silent, 12 people were dead, including sheriff's Sgt. Ron Helus, who had rushed to the scene. Thousand Oaks, California, described as one of the nation's safest cities, was now on the long list of places affected by a mass shooting.  1241

That leased car gathering dust in your driveway might have hidden cash in it.Dealers facing tight inventories are scrambling to buy good used cars to resell. They might be willing to purchase your leased car for more than the buyout price in your contract.“I haven’t seen used car prices go up this much in years,” says Oren Weintraub, president of car concierge service Authority Auto. “We are seeing a large percentage or leases with equity in them.”With the pandemic reshaping the car business, experts recommend extracting that equity by selling the car outright, using it to offset the cost of returning the car or leveraging that value to make a better deal on your next car.Where does the equity come from?Your lease payment is based on the residual value of your vehicle. This is a prediction of the car’s value at the end of the lease which, because of the pandemic, is now often too low.This means you might be able to arrange to sell the car for the higher price, pay off the lease and then pocket the difference. It also means you could dodge over-mileage penalties or end the lease early.For example, Scot Hall of the lease-trading site Swapalease said his wife has been working from home during the pandemic and decided she didn’t need her leased 2017 GMC Yukon Denali XL. She ended her lease six months early — saving the remaining monthly payments — and sold her SUV to a local dealer, pocketing a check for ,500.Know where you standHere’s how to know if you have equity in your leased car:Find the residual value in your lease contract. This is the amount you can buy the car for at the end of the lease (there might also be a disposition fee for this transaction).Get today’s buyout price. If you want to end your lease early, call the lease holder and ask for a current buyout price. Hall says you can usually estimate this price by simply adding the total of all the remaining payments to the residual value.Look up the current market value. Use an online pricing guide, such as Edmunds.com, to find the trade-in value of your car, factoring in the current mileage, options and condition. If you’re thinking of selling your car to a neighbor, look for the private party price. Or you can get a nearly instant cash offer from a local dealer, Carmax or an online car retailer such as Carvana, Shift or Vroom. Give real-world offers more weight in your calculations.Do the math. Subtract the residual value from the current market price or cash offer. This is an estimate of how much equity you have in the car and how much money you could make on the deal.Find opportunity in a volatile marketOnce you know if you are in a positive equity position, you can explore different ways to use this potential value. Here are options to consider:Buy the car yourself. If you do this, you’re essentially getting a good used car at below-market price. Also, you know the history of your car, so there are no surprises. Many lenders that refinance auto loans also offer lease buyouts.Sell your leased car privately. In many states, you can buy the car and transfer it to a new owner within a certain number of days without paying sales tax yourself. Be sure to check with the DMV in your state before you make a deal.Trade in the car to a dealer. If you decide you want another car, you could sell your leased car outright first and then plunk down the cash on the new ride. But trading it in could save you a considerable amount of sales tax.Sell your vehicle to an online service or a local dealer. Carvana, Shift and Vroom will pick up the vehicle and do all the paperwork. However, Carvana says it will not accept leased cars as trade-ins.Return your lease without penaltiesKnowing there is equity in your car puts you in a stronger position when you return your leased vehicle.For example, Weintraub had a client who was ready to return a leased car with excess mileage and minor body damage. Because of the equity in the vehicle, Weintraub convinced the dealer to waive the 0 disposition fee, the excess mileage penalty and wear and tear charges.Should you be facing those kinds of costs as the end of your lease approaches, the time spent getting buyout offers is not only a bargaining tool, but it also offers other options to try if the leasing company doesn’t play ball.More From NerdWalletClass of 2019 Borrowed Less, Report FindsHow to Handle College Loan Debt as an Unemployed Recent GradMore Grads Are Going Back to School: Should You?Philip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 4559

Texas Gov. Greg Abbott announced Thursday that he is putting a pause on lifting pandemic-related lockdowns as cases of COVID-19 reach near-record levels in the state.According to a press release, businesses that have already re-opened under previous mandates can continue to operate "under the minimum standard health protocols provided by the Texas Department of State Health Services." However, the state will not proceed with further reopenings for the time being.“The last thing we want to do as a state is go backwards and close down businesses," Abbott said. "This temporary pause will help our state corral the spread until we can safely enter the next phase of opening our state for business."Abbott also encouraged Texans to wear a mask and practice proper social distancing in his statement. 809

TAHLEQUAH, Oklahoma — Cherokee Nation is the largest tribe with 365,000.On Monday, the tribe fired out a statement denouncing a U.S. senator's claim to her Native American ancestry through DNA testing.Senator Elizabeth Warren claims DNA testing confirms her Native American heritage.That test is something the Cherokee Nation, a sovereign nation, says does not prove anything."To talk now about her ancestry, her DNA analysis we think it muddy's the waters a little bit," said Chuck Hoskin, Jr., Secretary of State for the Cherokee NationHoskin says he finds Senator Warren's claims hurtful."That is a very special status," Hoskin said. "It's a legal status. It's a status that our ancestors fought long and hard for that's embedded in tribal law, embedded in federal law specifically in the treaties. We think as sovereign nations that means something,"To claim membership to the Cherokee Nation, you must be able to prove that you can trace your self back to the tribe's Dawes Rolls, which is the original enrollment documents."People have this family lore and they can't prove it and people go through long and drawn out processes sometimes," Cherokee citizen Deborah Reed said. "They'll submit paperwork to the Cherokee Nation because there's an application process."Cherokee citizens say this isn't a red versus blue issue, but it's about protecting treaties and their sovereignty."I think the important takeaway is that Elizabeth Warren remembers that the Cherokee Nation is who decides who their citizens are not individuals," Reed said.Sen. Warren is rumored to be throwing in her name to run against President Donald Trump in 2020. 1648