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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

They have become the Holy Grail of cleaning supplies this pandemic year: Lysol and Clorox wipes. Trying to find them is often an exercise in futility.Throw in Windex spray, Scrubbing Bubbles shower cleaner, and Formula 409, and they round out the list of popular disinfecting products that are nearly impossible to find in stores these days.Coleman Henderson, owner of a house cleaning company, said he often has to tell homeowners he can't come out that week because of disinfectant shortages."I have to postpone jobs because I can't get cleaning supplies." Henderson said.You can sometimes find these items for sale on Amazon (from third-party sellers) or eBay, but you may have to pay two to three times the retail price, if you can find them at all."People are really struggling right now, " said Grace Brombach, of the consumer watchdog group U.S. PIRG. "The last thing that they need to worry about is going online and finding the products that they really need to keep themselves safe at ridiculous prices."National brands remain in short supplyStan Beck, owner of a hardware store, said that even though national brands like Windex or Johnson are hard to find, off-brand products are often just as good."This is a basic product, like Windex, just a different brand," he said, pointing to a shelf of Brillo window cleaner in his store. Brillo? Yes, they make window cleaner, and he says it works as well as Windex.Some items, though, are in such short supply that even generic versions are hard to find.For instance, toilet paper is now plentiful, but paper towel supplies remain tight. Why? A CNN report says manufacturers worked overtime all summer to produce toilet paper, but did not boost paper towel production to the same extent.The result?Grocery stores now have enough toilet paper (though they are limiting sales again), but not enough Bounty or Scott paper towels.What you can doKaren Mallory is the manager of a Do-it Center. She has a shelf stocked with cleaning products that looks like a throwback to 2018.During our visit, she had Windex, Mr Clean, Spic n' Span, even a collection of N95 face masks, something that was impossible to find for five months.Mallory said many people don't realize that local hardware stores often have a much better selection than grocery or big box stores because of their group buying power, and the fact that fewer shoppers visit them for cleaning items.She said she can find almost anything, except those Holy Grail items: name-brand disinfecting wipes."We've tried ordering Lysol wipes," she said. "Absolutely. We're trying to keep up on what supplies we can. Some things are just not available."It's the same situation at grocery stores like Kroger.The spokeswoman for the nation's largest grocery chain, Kroger, Erin Rolfes said "our suppliers are continuing to work extra hours to keep up with the ongoing customer demand," but said shoppers buy out wipes and disinfectants the moment they are put on the shelves.So what can you do?Visit your grocery store midweek, first thing in the morning, when those wipes and other products are put out.Purchase store brands, or off brands, when you find them, especially when it comes to wipes and toilet cleaners.Visit your local hardware store, and get to know the manager. Some will hold products for you if you ask.Check Amazon frequently.But U.S. PIRG says resist the urge to pay double or triple the price on eBay, because that encourages sellers to charge even more.And report gouging to Amazon customer service. That way, you 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 Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 3876

There are now 286 cases of possible and confirmed acute flaccid myelitis in the United States this year, according to the US Centers for Disease Control and Prevention.That includes 116 confirmed cases of the rare polio-like illness, also known as AFM, that leads to sudden onset of paralysis. That's 10 more confirmed cases than the agency reported a week ago. An additional 170 possible cases of AFM are under investigation.More than 90% of the 440 patients with AFM since 2014 have been children younger than age 4. Most of the children with confirmed cases experienced a viral illness with symptoms including fever and cough about three to 10 days before the onset of paralysis, the CDC said this month. 715

Toys “R” Us has officially stopped all their online sales.RELATED: 9 things to know about Toys R Us' liquidation saleAccording to a message on the company's website, their website has been shut down, but customers can still visit brick and mortar stores to take advantage of going out of business sales. This recent move has many worried that they are now running out of options to use their gift cards. However, there is one option consumers can take advantage of until Thursday, April 5.RELATED: Use your Toys "R" Us gift cards, store credit and rewards by April 15 and don't expect a refundBed Bath & Beyond posted on their Facebook that they are accepting Toys "R" Us and Babies "R" Us gift cards at a discount and turning them into e-gift cards that shoppers can spend in their stores or online.According to Bed Bath & Beyond's?card exchange website, they will accept any gift cards that have a balance of or greater — even if the card is partially used or has an uneven balance. Those interested in trading in their gift cards should visit https://bedbathandbeyond.cardcash.com/. Just keep in mind, the offer ends on Thursday, April 5, at 11:59 p.m. EST.  1243

There are options when it comes to getting a car. You can lease or buy, and now, you can get a car subscription.Luxury car makers like BMW, Jaguar, and Cadillac offer subscription services to their high-end cars, but it’s set you back a couple thousand. That’s why Ford is offering a more affordable service with used vehicles."You're going to be looking at around 0 monthly subscription cost, but that's inclusive of the vehicle the driving insurance your maintenance,” explains Allison Braley with Canvas, Ford’s subscription service. “You don't have to worry about out-of-pocket maintenance costs. There's no down payment."  Braley says it's an all-inclusive bundle, unlike with a lease. Many subscription services don’t' have a down payment or require car insurance. "A lease is great solution for people who know what kind of car they want for two to three years or more,” Braley says.  Through subscriptions, you pay a fee to swap out a car. For example, when winter comes around and you want to trade in your sedan for an SUV, with Canvas you pay a fee to swap cars.  FiveCentNickel.com says, on average, a car owner will spend ,200 a year on maintenance.  If your car breaks down or needs an oil change, most subscription services will pay for out of pocket maintenance. Subscription services are great if you want convenience, flexibility and a lifestyle where you change vehicle often.However, convenience often comes with a price. If you’re on a budget, financial expert Jonathan Duong says it may not be worth it. 1572

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