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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

There was a time when gluten, a mixture of proteins found in wheat, rye and barley, was something of a foreign term. Not many people had heard of it, and the few who needed to avoid it found meals to be extremely challenging.Today, I hear the word "gluten" on a daily basis, but mostly as a food component to be avoided at all costs. In fact, according to late-night host Jimmy Kimmel, it seems that "in Los Angeles, gluten is comparable to Satanism." But is banning gluten from your diet really a wise health decision?"That's the ,000 question that everyone is asking," said Shelley Case, a registered dietitian, expert on the gluten-free diet and author of "Gluten Free: The Definitive Resource Guide." "The answer is, not everyone benefits from going gluten-free, despite the fact that celebrities and athletes say it will cure anything that ails you." 871

They say when life gives you lemons... make lemonade. Now one Cheektowaga, New York girl is using the lemonade she makes to buy happiness for other children. Eight year-old Abby Jacques was devastated when she found out someone stole her brand new bike from her home on Cleveland Drive, so she decided to take action. She set up a lemonade stand to raise money for a new bike. Word about what happened to Abby spread on social media.After Erie County Comptroller, Stefan Mychajliw posted a photo on Facebook, the community pitched in to help Abby get a new set of wheels.Mychajliw and Howard Cadmus, owner of Sweet Jenny's in Williamsville, split the cost of a new bike.You can still find Abby outside of her home selling lemonade, but now to help others.All of Abby's future lemonade sales will be given to children in need of bikes and helmets at the Seneca Babcock Community Center.For those looking to support Abby, a PayPal account has been set up.  1007

TIJUANA, Mexico (AP) — The asylum claims of six Hondurans were accepted for processing Tuesday, ending a 17-hour standoff involving U.S. authorities, the migrants and two U.S. lawmakers supporting them on a tiny piece of American soil at the country's border with Mexico.The Hondurans had camped out in an area of San Diego's Otay Mesa border crossing past where pedestrians pass a wall plaque delineating the international boundary but before they reach inspectors. They were joined by U.S. Reps. Nanette Barragan and Jimmy Gomez, both California Democrats."They're on U.S. soil, and they're basically being blocked for presenting themselves for asylum," Barragan said in a video posted on Twitter that she said was taken around 2:40 a.m.The asylum seekers arrived at the crossing Monday afternoon, and after several hours U.S. inspectors agreed to process claims of eight unaccompanied children and a mother and her five children, attorneys said. Six more were initially not allowed into the country and sat on blankets throughout a chilly night before authorities agreed Tuesday to process their claims."Children are sick, they're crying, they've had to use the bathroom," Nicole Ramos, an attorney at Al Otro Lado, a legal services organization working on behalf of the migrants, said Monday night. "We've had to get blankets and food for them."Customs and Border Protection did not comment on the status of the Honduran asylum seekers, but officials said claims are processed as quickly as possible.The impasse highlighted a U.S. practice to limit entry for asylum seekers at official crossings when they are at full capacity, which it calls "metering" or "queue management." Authorities emphatically deny they are turning away asylum seekers — something that is prohibited under U.S. and international law — and say they are simply asking them to temporarily wait in Mexico.CBP says a surge in asylum claims has strained resources. The number of people expressing fear of returning to their home countries — the initial step toward asylum — jumped 67 percent at Mexico border in the fiscal year that ended Sept. 30, rising to 92,959 claims from 55,584 the previous year.Critics contend that CBP is limiting the number of asylum claims to deter people from coming.In San Diego, U.S. authorities funnel asylum claims through the San Ysidro port of entry, the nation's busiest crossing. Asylum seekers themselves manage waiting lists in a tattered notebook on the Tijuana side.The wait at San Ysidro had neared 3,000 names even before a caravan of more than 6,000 people reached the border city last month. Typically 60 to 100 asylum claims are processed per day at the crossing, meaning many migrants will likely have to wait in Tijuana for months.People who appear at the city's other crossing, Otay Mesa, are normally redirected to San Ysidro. But Monday's group managed to reach U.S. soil, which usually means they are transferred to San Ysidro to have their claims processed immediately. 3003

Treasury Secretary Steven Mnuchin asked the White House about the possibility of using a government jet for his European honeymoon this summer but later withdrew the request.A Treasury Department spokesperson told CNN in a statement that Mnuchin made the request to ensure he had access to secure lines of communication when he and his new wife, Louise Linton, were traveling."Treasury withdrew its request after a secure communications option was identified during the Secretary's extended travel," the spokesperson said Wednesday.Treasury said it has a practice of considering a "wide range of options" to ensure Mnuchin has access to secure communications, including the possible use of military aircraft.The Treasury spokesperson said it was "imperative" that Mnuchin, who is a member of the National Security Council and directly involved with national security issues tied to North Korea, Iran, and Venezuela, could communicate securely.ABC News was the first media outlet to report the Secretary's request.When asked if there was a review of the request, an official with the Treasury Department's Inspector General, which investigates allegations of wrongdoing within the agency, told CNN Wednesday "We are looking at all requests and uses of government aircraft."A White House spokesperson declined to comment and directed questions to Treasury.This is not the first time a trip by the former Goldman Sachs banker has raised eyebrows.Another trip by Mnuchin and his wife to Kentucky last month is already under review by the Treasury Department's Inspector General.Jaws dropped in August when Linton posted a picture of herself on Instagram stepping out of a U.S. government plane. She had tagged a series of luxury designers such as Hermes, Tom Ford and Valentino to describe her expensive clothing. Social media pounced on the post and called it ostentatious.Mnuchin's trip to Kentucky included a stop at a chamber luncheon in Louisville and Fort Knox, where he, and Senate Majority Leader Mitch McConnell, and others watched the Aug. 21 eclipse.The Treasury Department has previously defended Mnuchin's trip as "official government travel" and denied that viewing the eclipse was the primary purpose of the trip.Instead, the agency said the government aircraft was used to facilitate the secretary's travel schedule and ensure uninterrupted access to secure communications."The Department of the Treasury sought and received the appropriate approval from the White House. Secretary Mnuchin has reimbursed the government for the cost of Ms. Linton's travel in accordance with the longstanding policy regarding private citizens on military aircraft," a Treasury spokesperson told CNN earlier this month. 2746