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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

To the Black Friday victors go the spoils.Use these hacks to guarantee yourself the deals you want, whether you decide to shop from your couch or at the store. 177

There is growing concern within the US military about the costs of President Donald Trump's proposed military parade and the disruption it could cause.If Trump insists on a military parade through Washington involving thousands of troops, armored vehicles, missiles and other heavy weapons the event could disrupt crucial military training schedules, according to a defense official directly familiar with the initial planning efforts.There are also concerns over the cost of the event, and a second defense official tells CNN that the Pentagon is considering seeking out private donations to offset some of the non-military costs of the event. The donations could not cover military salaries or the cost of moving equipment but they could be used to pay for other aspects of the parade.There are no firm cost estimates until President Trump orders the military to stage a specific event, but very preliminary estimates suggest the cost could run between million and million, the first official said, emphasizing that nothing is certain at this point. There is no money currently allocated for a parade in the defense budget. Budget director Mick Mulvaney said Wednesday that he has seen estimates that a military parade could cost million to million.On wider concerns about a large scale parade, "we don't have troops and units sitting around waiting to do a parade," the first defense official said. A large parade could require weeks of preparation, including the early shipment of equipment such as tanks, and personnel would need to arrive days ahead to be ready to man the gear during a parade.One solution being considered to alleviate that concern is a so-called multimedia option, which could include a concert and large video screens on the National Mall displaying images of military gear rather than bringing large amounts of hardware to Washington, the official said.The Army, which is in charge of developing options for a parade or celebratory event, has compiled five preliminary options that have been forwarded to Pentagon leadership.The initial options are broadly characterized as "small, medium, heavy, hybrid and a multimedia display." Each could be fine-tuned to meet specific requests by Trump.The small and medium options could include varying levels of troops marching from ceremonial units stationed in Washington and some equipment located nearby from the Maryland and Virginia National Guard.The so-called heavy option would bring active duty units to Washington. Generally, all active duty units that are not deployed have ongoing and regular stateside training and exercise commitments that may have to be halted if they were involved in a parade.According to the official, one indicator of the Pentagon's lack of enthusiasm for the project is that the Defense Department told the Army to include a significant amount of aircraft in the ceremony to mitigate the burden on ground forces.The Pentagon is not commenting on potential options. Chief spokesperson Dana White told CNN her previous public comments still stand. On February 8 she told reporters, "We're still in the nascent stages. When we have those options, we will provide that to the White House, and the President will decide. "Defense Secretary James Mattis and Gen. Joseph Dunford, chairman of the Joint Chiefs of Staff, have publicly said the department will develop options to address the President's request for a parade. Trump brought up the matter after seeing France's Bastille Day celebrations in Paris last year but did not specify what he wanted.Pentagon officials have previously indicated they may look to schedule an event on November 11, which is Veterans Day. This year is the 100th anniversary of the end of World War I.Several commemorations are already planned in Europe with US forces participating. One advantage of holding the event Trump wants in November is that with cooler weather, there is less potential for damage to city streets from heavy equipment being driven on them.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 4114

Three students who gave their lives when a gunman opened fire inside a Florida high school will be awarded Medal's of Heroism by the U.S. Army, a spokesperson told Scripps station WFTS in Tampa.According to the U.S. Army, "The Medal of Heroism is a U.S. military decoration awarded by the Department of the Army to a JROTC Cadet who performs an act of heroism. The achievement must be an accomplishment so exceptional and outstanding that it clearly sets the individual apart from fellow students or from other persons in similar circumstances. The performance must have involved the acceptance of danger and extraordinary responsibilities, exemplifying praiseworthy fortitude and courage."Related:17 dead in south Florida school shooting, 19-year-old suspect held without bondFlorida school shooting 'hero' JROTC cadet should receive military burial, classmates sayCoach dies after heroically shielding students from gunfire in Florida school shooting 965

Think about this: working 80 percent of the hours for 100 percent of the pay.It's a concept a Denver company wondered if it’d work for them. This summer, Uncharted decided to put it to the test.CEO Banks Benitez says he started looking into it in 2019. He brought it to his executive board, and they decided it was something they were going to implement in 2020. Then, COVID-19 happened."So, we asked this question, 'Do we need to be working like crazy hours right now or do we need to really think about how we care for the mental health of our team and give people some space?'" said Benitez.This summer, they launched an experiment, hiring a third-party company to evaluate the efficacy of the experiment. The team worked Monday through Thursday, taking every Friday off. The hours were not made up throughout the week. The team worked four 8-hour workdays.They looked at three main things: performance, culture, and mental health."Performance stayed the same and was constant over the course of the experiment compared to previous performance," said Benitez.Culture, he says, slightly improved at the Denver-based company. People felt just as or a little more connected to members on their team.Lastly, to no surprise, mental health improved."I know that our best work comes when our team is healthy when our team is mentally healthy, when our team is aligned and in touch with each other," said Benitez.Benitez says there’s a different mentality that his employees bring in when they have a four-day workweek. They’re more focused and clearer about priorities. However, there are some downfalls"There’s a little bit less buffer time to kind of just go with the wind. You have to be really thoughtful about how you structure your time. And of course, the benefit of that is, Fridays are off," said Benitez.That helps lead to more downtime and time to refresh before starting the work grind again Monday morning."How do we situate Uncharted within the broader life that they’re living, [whether] that’s family, kids, adventures, travel, all that stuff. And if we can do that, I think the team will come back and perform better," said Benitez. 2153