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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

TRENTON, N.J. – New Jersey has become the first state in the nation to incorporate climate change education across its K-12 learning standards. The state’s first lady, Tammy Murphy, announced Wednesday that the state’s board of education has adopted her initiative. With this adoption, climate change education will be incorporated across seven content areas—21st century life and careers, comprehensive health and physical education, science, social studies, technology, visual and performing arts, and world languages. Climate change standards have also been added to the appendices of the mathematics and English language arts guidelines, which are up for review in 2022.“In New Jersey, we have already begun to experience the effects of climate change, from our disappearing shorelines, to harmful algal blooms in our lakes, super storms producing torrential rain, and summers that are blazing hot,” said first lady Murphy. “The adoption of these standards is much more than an added educational requirement; it is a symbol of a partnership between generations. Decades of short-sighted decision-making has fueled this crisis and now we must do all we can to help our children solve it. This generation of students will feel the effects of climate change more than any other, and it is critical that every student is provided an opportunity to study and understand the climate crisis through a comprehensive, interdisciplinary lens.”Governor Phil Murphy said it has been a top priority of his administration to reestablish the state’s role as a leader in the fight against climate change. “The adoption of these standards across our K-12 schools i

To ensure social distancing in the seating bowl, @HardRockStadium now has socially distanced seating clusters. pic.twitter.com/s8v7o1mLU3— Miami Dolphins (@MiamiDolphins) August 24, 2020 194

TIJUANA, Mexico (KGTv) - A group of about 500 self proclaimed migrants from the caravan demanded more public restrooms and the Benito Juárez Stadium be reopened for them to sleep in Thursday.Before the planned press conference, a Honduran yelled at a French activist, calling him an infiltrator. The man defended himself, saying he was there trying to protect the community.Later during the press conference two men yelled at the group telling them to leave. Later Thursday, a humanitarian offered a warehouse for the migrants to sleep in.This all two days after a different group of 100 migrants demanded entry into the U.S. or ,000 each to return to their home country.Related link : Migrants demand entry or ,000 during march to US Consulate in TijuanaIn the U.S. some American sympathy is drying up after hearing these demands, "what a joke, what gives them the right to blackmail our country, our president, to give them ,000? Are you kidding me? Who does that? Criminals?" Agnes Gibboney walked their path. She was born in Hungary and her family tried twice to escape.The first time, when she was two, she woke up and started crying, causing them to get caught. She said everything was taken from them. Gibboney said the second time they escaped, an aunt drugged her so she would sleep through the escape.They lived in Brazil for more than a decade and came to the U.S. via her father's Green Card. "My heart goes out to them, but this is not how you do it, because if you do have a legitimate refugee issue, you go to the port of entry, you go to the embassy in your state in your country," she said.Her feelings on border security solidified in 2002, when her son was shot and killed by a man she calls a coward, gangster and undocumented. "He was going to shoot my son's friend in the back, because they got into fights and he wanted to get even," she said the bullet was not meant for her son, a father of two.The pain she says, has never gone away, "my world.... my world just collapsed."She believes all immigrants must be vetted to protect our nation. She will be speaking Friday at a press conference held by families that have been traumatized like her, at 11:30 a.m. at the San Ysidro Port of Entry. 2232

TIJUANA, Mexico (AP) — More buses of exhausted people in a caravan of Central American asylum seekers reached the U.S. border Thursday as the city of Tijuana converted a municipal gymnasium into a temporary shelter and the migrants came to grips with the reality that they will be on the Mexican side of the frontier for an extended stay.With U.S. border inspectors at the main crossing into San Diego processing only about 100 asylum claims a day, it could take weeks if not months to process the thousands in the caravan that departed from San Pedro Sula, Honduras, more than a month ago.Tijuana's robust network of shelters was already stretched to the limit, having squeezed in double their capacity or more as families slept on the floor on mats, forcing the city to open the gymnasium for up to 360 people on Wednesday. A gated outdoor courtyard can accommodate hundreds more.The city's thriving factories are always looking for workers, and several thousand Haitian migrants who were turned away at the U.S. border have found jobs and settled here in the last two years, but the prospect of thousands more destitute Central Americans has posed new challenges.Delia Avila, director of Tijuana's family services department, who is helping spearhead the city's response, said migrants who can arrange legal status in Mexico are welcome to stay."Tijuana is a land of migrants. Tijuana is a land that has known what it is to embrace thousands of co-nationals and also people from other countries," Avila said.Mexican law enforcement was out in force in a city that is suffering an all-time-high homicide rate. A group of about 50 migrants, mostly women and children, walked through downtown streets Thursday from the city shelter to a breakfast hall under police escort.As buses from western and central Mexico trickled in overnight and into the morning, families camped inside the bus terminal and waited for word on where they could find a safe place to sleep. One shelter designed for 45 women and children was housing 100; another designed for 100 had nearly 200.Many endured the evening chill to sleep at an oceanfront park with a view of San Diego office towers and heavily armed U.S. Border Patrol agents on the other side of a steel-bollard fence.Oscar Zapata, 31, reached the Tijuana bus station at 2 a.m. from Guadalajara with his wife and their three children, ages 4, 5 and 12, and headed to the breakfast hall, where migrants were served free beef and potatoes.Back home in La Ceiba, Honduras, he had been selling pirated CDs and DVDs in the street when two gangs demanded "protection" money; he had already seen a colleague gunned down on a street corner because he couldn't pay. He said gangs called him and his wife on their cellphones and showed up at their house, threatening to kidnap his daughter and force her into prostitution if he didn't pay.When he heard about the caravan on the TV news last month, he didn't think twice."It was the opportunity to get out," Zapata said, waiting in line for breakfast.Zapata said he hopes to join a brother in Los Angeles but has not yet decided on his next move. Like many others, he planned to wait in Tijuana for others in the caravan to arrive and gather more information before seeking asylum in the United States.Byron Jose Blandino, a 27-year-old bricklayer from Nicaragua who slept in the converted gymnasium, said he wanted to request asylum but not until he could speak with someone well-versed in U.S. law and asylum procedures."The first thing is to wait," Blandino said. "I do not want to break the laws of any country. If I could enter in a peaceful manner, that would be good.To claim asylum in San Diego, migrants enter their names in a tattered notebook held together by duct tape and managed by the migrants in a plaza outside the entry to the main border crossing.On Thursday, migrants who registered six weeks ago were getting their names called. The waiting list has grown to more than 3,000 names and stands to become much longer with the caravans.Tijuana officials said there were about 800 migrants from the caravan in the city Wednesday. The latest arrivals appeared to push the total above 1,000.The migrants have met some resistance from local residents, about 100 of whom confronted a similar-size group of Central Americans who were camped out by the U.S. border fence Wednesday night."You're not welcome" and "Get out!" the locals said, marching up to the group.Police kept the two sides apart.Vladimir Cruz, a migrant from El Salvador, shook his head and said: "These people are the racists, because 95 percent of people here support us.""It is just this little group. ... They are uncomfortable because we're here," Cruz said.Playas de Tijuana, as the area is known, is an upper-middle-class enclave, and residents appeared worried about crime and sanitation. One protester shouted, "This isn't about discrimination, it is about safety!"There are real questions about how the city of more than 1.6 million will manage to handle the migrant caravans working their way through Mexico, which may total 10,000 people in all."No city in the world is prepared to receive this number of migrants," said Tijuana social development director Mario Osuna, adding that the city hopes Mexico's federal government "will start legalizing these people immediately" so they can get jobs and earn a living.Dozens of gay and transgender migrants in the caravan were already lining up Thursday to submit asylum claims, though it was unclear how soon they would be able to do so.The caravan has fragmented somewhat in recent days in a final push to the border, with some migrants moving rapidly in buses and others falling behind.On Thursday, hundreds were stranded for most of the day at a gas station in Navojoa, some 750 miles (1,200 kilometers) from Tijuana."We were dropped here at midnight ... in the middle of nowhere, where supposedly some buses were going to come pick us up, but nothing," Alejandra Grisel Rodriguez of Honduras told The Associated Press by phone. "We are without water, without food."After about 12 hours seven buses began arriving to collect the migrants, Rodriguez said, but they quickly filled up."We would need at least 40 or 50," she said.Jesus Edmundo Valdez, coordinator of firefighters and civil defense in Navojoa, said Wednesday that authorities were providing food, water and medical attention to migrants there. His phone rang unanswered Thursday.Mexico has offered refuge, asylum and work visas to the migrants, and its government said this week that 2,697 temporary visas had been issued to individuals and families to cover them during the 45-day application process for more permanent status. Some 533 migrants had requested a voluntary return to their countries, the government said.___Associated Press writer Maria Verza contributed from Culiacan, Mexico. 6880

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