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If you’re looking to save money on a vacation, you could spend hours researching and budgeting every minute of it — or you could simply try traveling like a minimalist instead.Minimalists generally live with fewer possessions, freeing up time, money and other resources to focus on things and experiences they value more. The lifestyle also saves them money on consumption when they travel.You, too, can adopt minimalist travel habits and potentially hang on to hundreds — or thousands — of dollars. Consider these travel tips for your next vacation. 573
If you are way into politics, you are not the average American. Not even close.A new poll from the University of Pennsylvania's Annenberg Public Policy Center reveals how shockingly little people know about even the most basic elements of our government and the Constitution that formed it.Take your pick from this bouillabaisse:* More than one in three people (37%) could not name a single right protected by the First Amendment. THE FIRST AMENDMENT.* Only one in four (26%) can name all three branches of the government. (In 2011, 38% could name all three branches.)* One in three (33%) can't name any branch of government. None. Not even one.* A majority (53%) believe the Constitution affords undocumented immigrants no rights. However, everyone in the US is entitled to due process of law and the right to make their case before the courts, at the least.(And the First Amendment protects the rights to free speech, free exercise of religion, freedom of the press and the rights of people to peaceably assemble, in case you were wondering.)"Protecting the rights guaranteed by the Constitution presupposes that we know what they are," said Annenberg Director Kathleen Hall Jamieson. "The fact that many don't is worrisome."The Annenberg poll is far from the first to reveal not only our collective ignorance about the basic tenets of democracy but also the fact that we are even less informed than we were in the past.Take this Pew Research Center poll from 2010. When asked to name the chief justice of the Supreme Court, less than three in 10 (28%) correctly answered John Roberts. That compares unfavorably to the 43% who rightly named William Rehnquist as the chief justice in a Pew poll back in 1986.What did the 72% of people who didn't name Roberts as the chief justice in 2010 say instead, you ask? A majority (53%) said they didn't know. Eight percent guessed Thurgood Marshall, who was never a chief justice of the Court and, perhaps more importantly, had been dead for 17 years when the poll was taken. Another 4% named Harry Reid, who is not now nor ever was a Supreme Court Justice.What we don't know about the government -- executive, legislative and judicial branches -- is appalling. It's funny -- until you realize that lots and lots of people whose lives are directly affected by what the federal government does and doesn't do have absolutely no idea about even the most basic principles of how this all works.It leads to huge amounts of discontent from the public when they realize that no politician can make good on the various and sundry promises they make on the campaign trail. 2654

IMPERIAL BEACH, Calif. (KGTV) -- San Diego County health officials announced that the first wave of Pfizer's COVID-19 vaccines would be distributed to UCSD Medical Center and Rady Children's Hospital.While COVID-19 remains at the forefront of everyone's mind, officials also remind people not to forget about the dangers of influenza. They say both illnesses should be taken seriously to avoid overcrowding hospitals.Recently, the Imperial Beach Recreation Center has been a COVID-19 testing site. But Saturday, it transformed into the county's free flu clinic."Every year, we encourage people to get the flu vaccine," San Diego County Chief Nursing Officer Dr. Denise Foster said. "This year, it's even more important because of the pandemic."Dr. Foster says with the FDA's Emergency Authorization of the Pfizer COVID-19 vaccine, the county is preparing for a large-scale roll-out by early next week. The first place to get a portion of the 28,000-dose county allocation will be UCSD Medical Center and Rady Children's Hospital."Just within a few days of that, we are going to get another allocation, which includes the county and some of the local hospitals directly," Dr. Foster said.But COVID is not their only focus. In the 2019 to 2020 flu season, more than 20,000 San Diegans got the flu. Of that, 108 people died.So far this year, the numbers are drastically lower due to social distancing and masking protocols. The county hopes to keep it that way. The idea is to keep people out of hospitals, whether it's for the flu or COVID.Christine Kelly brought her granddaughter to the clinic to get a flu shot."I've had a bad flu in the past to where I thought I was not going to make it," Kelly said.With the spread of COVID, she says she did not want to take any chances."We don't want to go anywhere near the hospital," Kelly said. "We want to save it for the people that need to be there."According to the county, 84% of ICU beds are already taken as of Dec. 11.Talks of COVID-19 vaccines are still in their infancy. But with Moderna and Astra Zeneca approvals also expected in the near future, the Imperial Beach Recreation Center could once again evolve, next time, into a COVID-19 vaccine site."It's very possible," Dr. Foster said. "Centers like this and many others."Tomorrow, the county will open another free flu clinic at the Tubman-Chavez Community Center from 9:30 a.m. to 4:00 p.m. 2406
Hurricane Maria made landfall Wednesday in southeast Puerto Rico, ripping trees out of the ground and entangling two-thirds of the island in hurricane-force winds.Maria made landfall near the city of Yabucoa with winds of 155 mph -- just 2 mph short of Category 5 status, the National Hurricane Center said.By 9 a.m., those winds had weakened to 145 mph. But Maria is still a Category 4 hurricane, capable of ripping roofs off houses. 442
If you’re shopping for a car, you may already know that buying used is a smart move that greatly expands your choices. The key is knowing where to look for them.Buying a used car will not only save you money but also allow you to shop higher-end brands, says Ivan Drury, Edmunds.com’s senior manager of insights. For example, maybe you wanted a new Toyota Camry. Instead, he says, you can save about ,000 and get a 3-year-old Lexus.Because of the bankruptcy of Hertz rental car agency, along with the many cars coming off lease, there are a lot of used vehicles to choose from, says Jeff Huang, who attends auctions as the remarketing sales supervisor at Westlake Financial Services. “A good used car is a real value proposition — and there are definitely deals to be had,” Huang says.Shoppers looking for great bargains will find them in cars older than 7 years, says Mark Holthoff, used car editor at Klipnik, a website for used car enthusiasts. “That’s because the depreciation curve has mostly been flattened,” he says. For example, a 2014 Mercedes-Benz E-Class sedan, costing ,000 new, now sells for about ,000.Shop in the right placeNew cars are sold only by franchised dealers, but used cars can be purchased from a variety of sellers:Used car departments at new-car dealerships.Used car superstores such as CarMax.Online used car sellers such as Carvana, Shift and Vroom.Car rental sales lots.Independent used car lots.Private parties.Public auctions.You’ll typically find the newest and more expensive models at new-car dealers’ used-car lots, the only place to turn if you want a certified car with a warranty and factory financing. Prices are likely to be higher than other lots’ but negotiable.National used-car chains such as CarMax, online retailers and rental car agencies also offer newer cars, often with factory warranty remaining. You can also get a loan and buy extended warranties. Prices are typically no-haggle.Independent lots, private parties and public auctions typically deal in older or cheaper cars. The upside is that you may find a 20-year-old one-owner cream puff, cheap. It does happen. But most cars have had several previous owners, and a checkered past is not rare. Plus, you’ll have to arrange your own financing.Adjust your expectationsThere is a built-in risk-versus-reward element to used car shopping: The more you’re willing to spend, the less chance the car will need repairs and overdue maintenance. Here’s an overview of the three price levels of used cars:High-end used cars: If your budget is over, say, ,000, you might consider getting a certified pre-owned (CPO) car from a dealer. Shopping for a CPO car is easier because it’s pre-inspected and comes with an included warranty. While you’ll have to pay a premium, you’ll also be able to buy a car with more modern technology and safety features. Of course, you can always buy a non-CPO car and purchase an extended warranty.Midrange used cars: A sweet spot for used car buying is a 3-year-old vehicle coming off a lease. Many of these cars will sell for 40% of their original price and still retain a new-car feel, according to Drury. Another source of near-new bargain-priced vehicles is car rental lots. According to an iSeeCars analysis, Hertz vehicles are selling for an average of ,389 below market value.Older used cars: Many people are afraid that cars from 7 to 15 years old will require costly repairs. But Holthoff points out that new cars can effectively cost the owner ,000 a month in depreciation.“You might have to spend money on a repair, but depreciation is a constant,” he says.To offset repairs, set aside 0 a month so sudden mechanic bills won’t deplete your savings.It’s best to buy older cars from private-party sellers because you can get a better idea of the mechanical condition, Holthoff advises. A used car dealer will show you the vehicle history report, but a private party might have the service records and can answer many other questions.Look for unexpected valueThe used car market is vast and, if you can spot an outlier, you can save big money. Here are a few examples of how to find that diamond in the rough:Cars that haven’t been recently redesigned will sell for less. Check car sites such as Edmunds.com to find out when the last time major changes were made to a model.While there is a stigma to buying a used rental car, the vehicles are well-maintained and priced lower than buying from dealers, Drury says.If a car dealer’s vehicle history report shows you are looking at a former rental car, leave and buy a similar one directly from the rental agency’s sales lot. You’re likely to find it cheaper.Be willing to travel to an area where the car you want is less popular. For example, all-wheel-drive vehicles sell for less in the southern U.S., where winter driving isn’t a factor.Be willing to travel to a more competitive market. A Honda dealer with a city to itself has less pressure to dicker on a CPO vehicle than a dealer in a city with three or four rivals.Used luxury cars often offer the biggest savings, according to Holthoff. The money you save on the purchase can be used if any repairs are needed.More From NerdWalletDon’t Fall for COVID-19 Student Loan Relief ScamsGet Your Finances Ready to Refi Student Loans5 Reasons It’s Smart to Lease a Car Right NowPhilip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 5428
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