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There are a lot of mixed feelings about COVID-19 vaccines and why people would or would not take one. However, health experts say we'll need them to achieve herd immunity and get back to a more normal life.“There's really a deep empathy for the hesitancy people are feeling. This is a big deal. It's normal to have questions about what's going on and we just want people to get the information they can to make empowered choices for them and their families, so we can really get back to what matters most for each and every one of us,” said Michelle Hillman, Campaign Development Officer at The Advertising Council.The Ad Counsel is the agency behind decades of important messages like "friends don't let friends drive drunk."Now, they are working on likely one of the most important campaigns of this generation, convincing people to take a COVID-19 vaccine.Right now, it's in the early stages of research and won't roll out on TV, radio and online until early next year when a vaccine is more widely available. But you can expect a lot of different spokespeople from doctors and pharmacists, to athletes and musicians.“The messenger in this case is going to be even more important in some ways than the actual message itself,” said Hillman.There will also be variations of the COVID-19 vaccine campaign to address specific groups, like communities of color. They've been more severely impacted by the virus and tend to have more vaccine hesitancy. So, partnerships in the messaging will be important.“We know that you know these on the community level people are already turning to churches and nonprofits and trusted messengers on issues like health care, hope, inspiration and all of them are really going to have to be messengers on this important campaign to break through to get people the information they need,” said Hillman.According to recent Pew research, only about 60% of adults say they would get a vaccine. Health experts have said we would need likely between 70 and 80 % to get close to herd immunity. 2027

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

This is harassment pure and simple. This ‘inquiry’ by NYC democrats is 100% motivated by politics, publicity and rage. They know very well that there’s nothing here and that there was no tax benefit whatsoever. These politicians are simply ruthless.https://t.co/4dQoDzQlRX— Ivanka Trump (@IvankaTrump) November 20, 2020 327

TRABUCO CANYON, Calif. – A large brush fire burning in the Cleveland National Forest’s Trabuco Canyon is spreading quickly Monday afternoon. The fire, dubbed the Holy Fire, was reported around 1:30 p.m. near Holy Jim Canyon and Trabuco Creek roads, according to KABC.The Orange County Fire Authority said the blaze grew quickly from between seven and 10 acres to at least 700.The fire also destroyed at least one structure and is threatening several communication towers at the top of a nearby hill.The fire is currently burning away from Orange County and those living in the community of Holy Jim were asked to evacuate out of precaution. Cal Fire is assisting in fighting the blaze. The cause of the fire is unknown at this time. 765

TONGANOXIE, Kan. -- A small piece of fabric kept near a classroom door could help protect students in the event of an active shooter. It was three months ago that kindergarten teacher Tiffany Parker was sitting on her living room floor cutting up a fire hose. "One fire hose makes about 100-110 sections, and I had three hoses donated," said Parker, who teaches at Tonganoxie Elementary School in Kansas.Parker used to be the volleyball coach at Tonganoxie High School. She would use old fire hoses to line her practice drills. Now, the fire hose is keeping her classroom safe and secure when it's not just a drill. "We've always done the typical, you know, cover your window, lock your door, move away, but that never seemed to give us enough security," said Parker. On February 14, 2018, 17 students were killed in a school shooting in Parkland, Florida. "You know, seeing my kids' faces when they were first told, 'OK, if somebody comes in, here's what we're going to do,' before I had the Safety Sleeve, and they were still a little fearful," said Parker. Now, in her classroom of 21 students, Parker keeps the 6-inch piece of fire hose hanging by a magnet near the top of her classroom door. In a matter of seconds, the "Safety Sleeve" can be in place."All you do with it is you place it over the door hanger arm, as far as it will go and then they can't get in the door, it won't open," said Parker. The day after the Parkland shooting, Parker brought the Safety Sleeve into her classroom at Tonganoxie Elementary School. After showing her students how it works, Parker said her students felt more secure. "There was such a sense of relief and a sense of security by my kids and a sense of, 'OK, this isn't going to be it,'" said Parker. Parker presented the DIY device to her school principal. Now, she's made hundreds of them for the entire Tonganoxie School District. While she's created a low-cost safety device, Parker said she has no plans to make any money off of the Safety Sleeve. "So many people have asked me, 'Are you going to patent it? You should sell it.' I am not looking to make a dime on kids' lives," said Parker. California, Ohio and South Dakota have already picked up on the idea. Parker said school districts and fire departments have reached out to her to get the Safety Sleeve idea going in their own communities.   2444

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