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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 were 10 people shot and killed in Friday's shooting at Santa Fe High School in Texas. At least 10 others were wounded.So far, two victims have been publicly identified: a substitute teacher and an exchange student from Pakistan.Houston Texans defensive end JJ Watt has offered to pay for the funerals of the victims, according to a Houston Texans spokeswoman.Here's what we know about those who died:Cynthia TisdaleCynthia Tisdale was a substitute teacher at Santa Fe High School, her family told CNN. Her niece, Leia Olinde, said the family was notified of her death Friday night.Tisdale's brother-in-law, John Tisdale, said in a Facebook post Friday night that she was a member of the Anchor Bible Baptist Church in Pharr, Texas.John Tisdale also said in his post that his sister-in-law's husband, William Recie Tisdale, is "in bad health with a terminal lung disease." The couple has four children.Cynthia Tisdale's son, Recie Tisdale, told The Washington Post that his mother loved children and teaching."She started substitute teaching because she loved to help children," he told the newspaper. "She didn't have to do it. She did it because she loved it."Recie Tisdale is a police detective in League City, which is 10 miles away from Santa Fe, where the shooting took place.Sabika SheikhThe Embassy of Pakistan in Washington confirmed on Facebook that Sabika Sheikh, an exchange student, was killed in Friday's shooting."Ms. Sheikh was in Texas as part of the Youth Exchange & Study (YES) Programme," the embassy said in a statement to CNN. "Our thoughts and prayers are with Sabika's family and friends. Ambassador Aizaz Chaudhry spoke to the father of Sabika Sheikh expressing heartfelt condolences over the tragic death of his daughter."Abdul Aziz, Sabika's father, told AFP in Pakistan that he learned of his 17-year-old daughter's death on CNN."We are still in a state of denial," he said. "It is like a nightmare. ...There is a general impression that the life is safe and secure in America. But this is not the case."US Secretary of State Mike Pompeo said Sabika was "helping to build ties" between the US and her native country and offered his condolences to her family and friends."Sabika's death and that of the other victims is heartbreaking and will be mourned deeply both here in the United States, and in Pakistan," Pompeo said in a statement.US Ambassador to Pakistan David Hale tweeted a statement on Sheikh's death."This morning, I called the family of Sabika Sheikh and offered my deepest condolences. As an exchange student, Sabika was a youth ambassador, a bridge between our people and cultures. All of us at the U.S. Mission in Pakistan are devastated by and mourn her loss. We will honor her memory."The-CNN-Wire 2760

There are about 6,000 restaurants in Queens County, according to the Queens Chamber of Commerce — and if indoor dining doesn’t resume, up to 3,000 may never open again.“For the last six months, it’s been very hard for everyone in the diner business, in the restaurant business. Especially for us,” said John Thanosopolous, who owns the Atlantic Diner in Richmond Hill.There are now multiple lawsuits against the city and New York state over not permitting indoor dining at city restaurants, despite every municipality around them being permitted to do so.“This is the knockout punch for us. This is the lawsuit. We didn’t want to do this. This is not us. We are workers,” said Rob De Luca, who owns De Luca Restaurant in Staten Island.Mayor Bill de Blasio did not address the status of indoor dining whatsoever during his Tuesday press briefing, though days ago, hinted an announcement could be coming soon.Governor Andrew Cuomo said other cities and towns were allowed to have diners indoors because their compliance was better than New York City’s.Without explicitly naming the mayor, the governor said local enforcement failed when bars were first permitted to re-open months ago. Ultimately that led state government to create a statewide task force of inspectors to take up the issue. But Cuomo said that task force is spread thin.“If you go to indoor dining, you are roughly doubling the number of places that you're going to have to monitor,” said Cuomo.The governor said the city should be pulling resources and inspectors from the NYPD, or from any and all regulatory agencies it has, and until it does, New York City restaurants cannot welcome its customers back inside.That is not what thousands of restaurant owners across the city want to hear.As for De Luca, he believes this disproportionately impacts the most vulnerable in the industry.Mitch Schwartz, the Mayor’s Director of Rapid Response and Deputy Press Secretary, issued this statement Tuesday evening:“Careful public health guidance. Nimble and rigorous inspections. Fair and honest dealing with businesses. That’s how we’ve reopened our economy while keeping COVID-19 rates extremely low, and that’s how we’ll reopen indoor dining if and when it’s safe to do so. Now, we’re continuing to work with the State on a responsible timeline and clear protocols for re-opening. That process is underway – and when it’s over, New Yorkers will know we’ve put their health and safety first.”This article was written by Narmeen Choudhury for WPIX. 2519

Thursday morning Baltimore Police continue to search for the person who shot a Baltimore City Homicide Detective. ATF, the FBI, and Metro Crime Stoppers are offering a ,000 reward for information leading to an arrest and conviction of whoever pulled the trigger.RELATED: Officer down: Police-involved shooting in West BaltimoreRight now, police don't have much of a description of the shooter, so they're hoping witnesses will come forward and help them identify the gunman. Officers have cordoned off a huge area around the shooting scene, they are going door to door, and they're searching every alley in the area.  655

There’s a common anxiety dream that involves walking into a classroom to discover it’s the day of finals and you haven’t cracked a book all semester. Then there’s the waking dream a lot of Americans have — the one where you’re getting ready to retire but haven’t saved enough money to cover expenses if you stop working.Just six in 10 workers report having saved anything — anything — for retirement, according to the Employee Benefit Research Institute, so a lot of people today may be losing sleep over their future finances.Even those who are making a diligent effort to prepare for their golden years are falling short: Data from workplace plan administrator and fund giant Vanguard shows that just 18% of workers save the 10% or more of income that experts recommend squirreling away for retirement. More than a third are putting away less than 4%. (Unclear where your savings stand? A retirement calculator is a good place to start.)Suspect you’re behind? Here are 13 ways later-in-life savers can address anemic retirement portfolios before it’s too late. 1080