治扁平疣到沈阳哪个医院比较好(沈阳皮肤病医院 门诊时间) (今日更新中)

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

The 2016 election was psychologically traumatic for some, according to a new study published in the Journal of American College Health. It found that 1 out of 4 students surveyed experienced clinically significant event-related distress short term.Researchers from San Francisco State University, University of California, San Francisco and Arizona State University assessed a diverse group of nearly 800 undergraduates at Arizona State two to three months after the election.A key battleground, Arizona got a lot of political attention. Ultimately, Trump won Arizona by a narrow margin, earning 48.7% of the vote.The survey students filled out asked questions to determine the emotional effect of the event the election. It asked about the impact the election had on close relationships and assessed clinical symptoms of distress and subclinical impacts, meaning emotions that don't present definitive, more readily observable symptoms.Symptoms included "avoidance," a clinical term used to describe how someone deliberately stays away from whatever is causing them trauma, and "intrusion," a clinical term meaning the inability to keep memories of the source of their trauma from returning. The researchers also looked to see if demographics made a difference.Most of those surveyed, 65%, said the election had no impact on their close relationships. About 24% reported a slight or very negative impact and a little more than 10% reported a positive impact.If the election did have a negative emotional impact, avoidance was more common than intrusion among these students. One-fourth of participants showed clinically significant avoidance and intrusion symptoms in response to the election. Women, Democrats, people who did not identify as Christian and sexual minorities reported significantly more event-related distress, the study found.The students surveyed came from diverse backgrounds and held a mix of political opinions. Of the group, 18.5% reported that they were satisfied with the result of the election, 25% said they were somewhat satisfied, 19.2% said they were somewhat dissatisfied, and 37.2% said they were completely dissatisfied. Thirty-nine percent also reported that they were "considerably or extremely" upset by the election, 28.5% were not at all upset, the rest fell somewhere between.The study had limitations. The survey did not look at conditions long term. It couldn't rule out other stressors. It only looked at this one election and did not evaluate how students reacted in other years.Other studies looking at the 2016 election have found similar results. A study released in June that surveyed nearly 300 students two days before the 2016 election, on election night, and two days after, found that students who were concerned about Trump's ability to govern and those who were a part of the "non-dominant social group," including women and people of color, showed increased signs of stress before and during election night. Biological tests showed some signs of increased stress after the election, although there was a general recovery in mood, according to self-reported results.Lindsay Till Hoyt, who co-authored that study and is not connected with the current work, found this latest research interesting. She was not surprised that students felt increased stress."I think so much of the social media and news about the election really felt personal and aimed at specific groups like Mexican Americans and women," Hoyt, an?assistant professor of psychology at Fordham University,?said.For example, she cites Trump's justification for building a wall between Mexico and the US, saying in a debate "we have some bad hombres here and we're going to get them out." Or when a 2005 "Access Hollywood" tape was released in which Trump talked about how his celebrity status allowed him to behave aggressively with women, saying he could "grab them by the (expletive)" and that he would sometimes "just start kissing them.""Comments like those could hit very close to home, as opposed to arguments about abstract concepts like foreign policy and economic policy, students might not be as well versed in those topics," Hoyt said. "Because there was literal name-calling going on in the election cycle, even with students less politically engaged, that strong language and the harsher crassness of the rhetoric may have had a more broad effect on these students."In another study she and a graduate student are working on, they've noticed that both sides, conservatives and liberals, say they have felt discriminated against during the election, and preliminary results show it has caused them stress that interrupted their sleep."It's not just along ethnic and racial discrimination lines," Hoyt said "Conservatives also feel discrimination is affecting their sleep, it crosses both sides of the political aisle."Another 2018 study looking at how 700 teachers navigated the days after the election with K-12 students, and researchers found stories of such distress. One surveyed teacher remarked "for millions of people, this is real trauma."Beth Sondel,?who co-authored that study of teachers, finds this latest research on college students useful."Many of these young kids that the teachers were talking about in our study weren't privy to the policy being presented in the election, but the rhetoric was so strong it was impacting them," said Sondel, a research assistant professor in the department of instruction and learning at the University of Pittsburgh School of Education.Teachers reported they saw an immediate heightened fear of deportation among students. One teacher reported one of her seventh graders asked her if "Trump can come with a bus and get me?" Another teacher in Nebraska said a high school student who was expecting a baby asked if the teacher would take care of the baby if he was deported. Another teacher reported consoling a second-grade student who told her through tears that she was worried that when she'd get home from school her parents wouldn't be there."In general, I think our results are similar, in that we are finding that even these younger students are internalizing this rhetoric and it is causing stress and trauma," Sondel said. "I think the personal has become really political in this election."The authors hope this latest study will help mental health professionals better counsel college students have. Knowing that an election can cause distress, professionals should ask about it to better target treatment, they said. 6606

Surveillance video captured the moment this week when a bolt of lightning made a direct hit on a home in Daytona Beach, Florida.Cindy Holt's surveillance camera recorded the moment the home's roof was hit by the lightning.She thought her boyfriend, pulling in at the same moment, had an accident."It was huge. It shook the house ... I thought he had actually hit the garage door," said Holt. "It was scary. I just thank God nobody was in the house at the time."Immediately after the strike, they noticed smoke coming from the roof and ran to the scene.A person spoke to the residents of the house to alert them about the lightning strike."You could see the smoke. You could see there was no fire, thank God," said Holt.Firefighters think the home's electrical system is fried.There were several scorch marks in the home's eave and around a light near the garage door.Though lightning struck just the one house, several other nearby residents lost phone and/or internet service."It's scary. It's knowing that it hit that close to home," said Holt.  1100

Students who survived the school shooting in Florida are using their voices to try and spur change. It’s young voices, that haven’t heard before who are speaking up.Seven seniors from Marjory Stoneman Douglas High School — Jack Haimowitz, Ronnie Froetschel, Vincent Frettoloso, Matthew Horowitz, Cole Sumner, Cain DeLima and Joey Mondelli — say they hope the tragedy spurs change.“The day that changed everything,” Mondelli said, when asked how he wants people to remember the day of the shooting.“I don’t want them to look at it as a statistic,” Somner said. “I want people to see this as the last one. I want people to look back at that day because that was the end,” Haimowitz said. These are seven faces of survival, family, and ultimately, they hope, change. “If there’s anyone that can change the outcome of situations, it’s going to be Parkland and we will change it,” Frettoloso said. “It’s tough when you’re by yourself so when you’re all together, it kind of get your mind off it,” DeLima said. Tonight, they’re freshly blonde, for their friend and victim, Joaquin Oliver. “His favorite artist was Frank Ocean, when he dropped his album 'Blonde,' it was about the time Joaquin dyed his hair this color,” Haimowitz said. “He was everyone’s friend.”“That kid didn’t know a single thing about lacrosse and he was out there screaming like he’s been playing it for the last 18 years,” Haimowitz said. On Wednesday, they grew up fast. “It’s a race for maturity. No one really told us there was going to be a starting line or a starting gun, they just expected us to go,” Haimowitz said. First, they will grieve. They have 17 funerals to attend. When the time’s right, perpetuate change. “An assault rifle, that’s a weapon made with intent to murder and harm people. So once we feel ready, we’re going to make our voice heard that our platform is built upon making sure weapons like these can’t get in the hands of people again,” Haimowitz said.  2042

TALLAHASSEE, Fla. — New unredacted court documents reveal Aaron Glee Jr., who is accused in the murder of Oluwatoyin "Toyin" Salau and Vicki Sims, confessed to killing the young activist and community volunteer.The documents also detail how Sims and Glee knew each other and how all three of them briefly met on June 6.Probable cause documents state that when officers responded to Glee's home in the 2100 block of Monday Road on June 13, they found Vicki Sims' car stuck in the mud outside of the home. They say a sheet was placed over the back of the Toyota and the license plate was bent up, hiding the license plate number.When they went inside, they found 75-year-old Vicki Sims' body. Investigators say her arms and feet were tied up behind her.As they continued searching Glee's home, they found 19-year-old Oluwatoyin "Toyin" Salau's body. Documents say her body appeared to be "purposely" covered with leaves and other vegetation.According to documents, when officers spoke to Sims' family prior to the discovery of her body, they said that Sims "often prepared meals for 'Aaron'" and delivered them to his home."It was reported that 'Aaron,' who did not own his own vehicle, often obtained transportation from Sims," probable cause documents read.As police continued investigating, they learned that, about two hours before the bodies were discovered, Glee had bought a bus ticket to West Palm Beach. On June 14, Glee was detained by the Orlando Police Department at a Greyhound station.After complaining about having trouble breathing, Glee was taken to the hospital. That's where documents say he voluntarily confessed to the murders; once to officers who were guarding him and again to his mother in a phone call.When TPD officers interviewed him, Glee confessed to kidnapping and murdering Salau and Sims on different dates.Glee said that on June 6, he was at a bus stop on Apalachee Parkway when he met Salau. He said they talked for about an hour.During that time, he said Salau told him that she had been recently sexually assaulted and didn't have a permanent place to stay. After that, Glee agreed to go with Salau to his home so she could bathe and rest."Glee stated that he then placed a telephone call to Sims, and that she came and picked he and Salau up in her Toyota," documents read. According to investigators, Glee's story was corroborated by surveillance video.After Sims dropped them off, Glee said she left and Salau went inside the home to take a shower. After Salau got out of the shower, Glee said he "attempted to engage her in sexual activity."He told officers that Salau physically resisted him, biting him on the arm."Glee said he physically overpowered Salau... He was asked if he would characterize his actions as rape," investigators wrote in the documents. "Glee responded in the affirmative."Glee said that he then kept Salau inside the home for approximately three to five days. He told officers that he was heavily under the influence of alcohol during that time, so he was unsure exactly how much time had passed."Glee stated that he was aware he would be arrested and likely sentenced to prison if he allowed Salau to leave the residence," documents read. "Glee indicated he determined that his only course of action was to end her life."So, Glee said he tied her up in a way that made it difficult for her to breathe.Based on the evidence and Glee's confession, officers found probable cause to charge him with two counts of kidnapping and two counts of murder (second degree murder and premeditated murder), and one count of sexual assault.During a court appearance on Saturday, a judge ruled that Glee will be held in jail without bond.This story was originally published by staff at WTXL. 3747

来源：资阳报