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That leased car gathering dust in your driveway might have hidden cash in it.Dealers facing tight inventories are scrambling to buy good used cars to resell. They might be willing to purchase your leased car for more than the buyout price in your contract.“I haven’t seen used car prices go up this much in years,” says Oren Weintraub, president of car concierge service Authority Auto. “We are seeing a large percentage or leases with equity in them.”With the pandemic reshaping the car business, experts recommend extracting that equity by selling the car outright, using it to offset the cost of returning the car or leveraging that value to make a better deal on your next car.Where does the equity come from?Your lease payment is based on the residual value of your vehicle. This is a prediction of the car’s value at the end of the lease which, because of the pandemic, is now often too low.This means you might be able to arrange to sell the car for the higher price, pay off the lease and then pocket the difference. It also means you could dodge over-mileage penalties or end the lease early.For example, Scot Hall of the lease-trading site Swapalease said his wife has been working from home during the pandemic and decided she didn’t need her leased 2017 GMC Yukon Denali XL. She ended her lease six months early — saving the remaining monthly payments — and sold her SUV to a local dealer, pocketing a check for ,500.Know where you standHere’s how to know if you have equity in your leased car:Find the residual value in your lease contract. This is the amount you can buy the car for at the end of the lease (there might also be a disposition fee for this transaction).Get today’s buyout price. If you want to end your lease early, call the lease holder and ask for a current buyout price. Hall says you can usually estimate this price by simply adding the total of all the remaining payments to the residual value.Look up the current market value. Use an online pricing guide, such as Edmunds.com, to find the trade-in value of your car, factoring in the current mileage, options and condition. If you’re thinking of selling your car to a neighbor, look for the private party price. Or you can get a nearly instant cash offer from a local dealer, Carmax or an online car retailer such as Carvana, Shift or Vroom. Give real-world offers more weight in your calculations.Do the math. Subtract the residual value from the current market price or cash offer. This is an estimate of how much equity you have in the car and how much money you could make on the deal.Find opportunity in a volatile marketOnce you know if you are in a positive equity position, you can explore different ways to use this potential value. Here are options to consider:Buy the car yourself. If you do this, you’re essentially getting a good used car at below-market price. Also, you know the history of your car, so there are no surprises. Many lenders that refinance auto loans also offer lease buyouts.Sell your leased car privately. In many states, you can buy the car and transfer it to a new owner within a certain number of days without paying sales tax yourself. Be sure to check with the DMV in your state before you make a deal.Trade in the car to a dealer. If you decide you want another car, you could sell your leased car outright first and then plunk down the cash on the new ride. But trading it in could save you a considerable amount of sales tax.Sell your vehicle to an online service or a local dealer. Carvana, Shift and Vroom will pick up the vehicle and do all the paperwork. However, Carvana says it will not accept leased cars as trade-ins.Return your lease without penaltiesKnowing there is equity in your car puts you in a stronger position when you return your leased vehicle.For example, Weintraub had a client who was ready to return a leased car with excess mileage and minor body damage. Because of the equity in the vehicle, Weintraub convinced the dealer to waive the 0 disposition fee, the excess mileage penalty and wear and tear charges.Should you be facing those kinds of costs as the end of your lease approaches, the time spent getting buyout offers is not only a bargaining tool, but it also offers other options to try if the leasing company doesn’t play ball.More From NerdWalletClass of 2019 Borrowed Less, Report FindsHow to Handle College Loan Debt as an Unemployed Recent GradMore Grads Are Going Back to School: Should You?Philip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 4559

TAMPA — Wearing masks is one of the most important ways to prevent the spread of COVID-19 — and health experts say everyone should continue to care for their face coverings to ensure protection when in public.After wearing a mask for a few months, doctors say there are some clear, tell-tale signs that it is no longer working correctly."When the edges start to fray or if the pieces where they connect start to fall apart, or if they are visibly soiled, then you should really get a new mask," said Dr. Tracey Taylor, the associate dean of USF College of Nursing.Experts also say that if a mask no longer fits over the nose or doesn't have a close fit around the face or chin, it's time to get a new one."It's super important to make sure your mask is fitting appropriately, that it's not visibly soiled, that the edges aren't frayed and that the attachments to the ear loops or tie backs — whatever type you're wearing — is appropriately attached," Taylor said.For those who own cloth masks, experts say owners need to remember to wash them. Experts say washing cloth mask with detergent or soap is best and that they don't need to be washed with super hot water. Those who own cloth masks with filters should remove the filter and clean it separately.However, there's another option."You can put them in a paper bag and seal it up for a couple of days. That'll inactivate any virus that's on it," said Dr. Marissa Levine, a professor of public health practice at USF.After several months, experts say they have more information about which masks are effective in preventing the spread of COVID-19.Cloth masks are most effective when they have at least three layers of material or a spot to add a filter. They're typically the easiest for the general public to use because they're reusable, and doctors say the research shows they mostly prevent the spread of the virus.Although any face covering is better than none, some aren't as effective in preventing the spread of COVID-19.Experts say bandanas are very thin and don't offer the same type of protection as a mask.Doctors say any mask with a valve on it is completely ineffective because the valve allows virus-carrying particles to leak out.Popular neck gaiters that wearers can easily pull up and down don't provide a lot of protection for the wearer or those around them."If you find yourself with a single layer, you could use something like a paper towel inside there to add an extra layer if you need to," Levine said.Experts advise keeping two masks on hand in case one gets lost or breaks."There's no one thing that we do that will protect us to the highest level. It's a series of things," Levine said.This story was originally published by Larissa Scott on WFTS in Tampa, Florida. 2755

TAHLEQUAH, Oklahoma — Cherokee Nation is the largest tribe with 365,000.On Monday, the tribe fired out a statement denouncing a U.S. senator's claim to her Native American ancestry through DNA testing.Senator Elizabeth Warren claims DNA testing confirms her Native American heritage.That test is something the Cherokee Nation, a sovereign nation, says does not prove anything."To talk now about her ancestry, her DNA analysis we think it muddy's the waters a little bit," said Chuck Hoskin, Jr., Secretary of State for the Cherokee NationHoskin says he finds Senator Warren's claims hurtful."That is a very special status," Hoskin said. "It's a legal status. It's a status that our ancestors fought long and hard for that's embedded in tribal law, embedded in federal law specifically in the treaties. We think as sovereign nations that means something,"To claim membership to the Cherokee Nation, you must be able to prove that you can trace your self back to the tribe's Dawes Rolls, which is the original enrollment documents."People have this family lore and they can't prove it and people go through long and drawn out processes sometimes," Cherokee citizen Deborah Reed said. "They'll submit paperwork to the Cherokee Nation because there's an application process."Cherokee citizens say this isn't a red versus blue issue, but it's about protecting treaties and their sovereignty."I think the important takeaway is that Elizabeth Warren remembers that the Cherokee Nation is who decides who their citizens are not individuals," Reed said.Sen. Warren is rumored to be throwing in her name to run against President Donald Trump in 2020. 1648

Stephanie Clifford, the porn star known as Stormy Daniels, discussed her alleged affair with Donald Trump during a May 2007 radio appearance, a well-known Florida radio personality told his listeners Friday.Bubba the Love Sponge Clem, known as Todd Clem before he legally changed his name in 1999, played portions of the interview on his radio show Friday and Monday, in which Daniels was asked to write down the names of famous men she had slept with. Clem says the first name on that list was Donald Trump. Although neither Daniels nor the host says Trump's name in the 2007 audio, she can be heard describing key details that match the description of her alleged affair with Trump.Clem said on his radio program that Daniels was talking about Trump, and later verified the same information to CNN. CNN independently corroborated the story with another person who was in Clem's studio that day, who would speak only on the condition of anonymity. That person also said Donald Trump's name was the first on Daniels' list.This would be the earliest known instance of Daniels publicly discussing the alleged affair.CNN obtained a full recording of Daniels' May 16, 2007, appearance, which matches the clips Clem played on air Friday.Michael Avenatti, a lawyer for Daniels, declined to comment and said Daniels would not be commenting.A spokesperson for the White House referred all questions to the President's outside lawyers. Trump's personal lawyer, Michael Cohen, did not return a request for comment. Cohen has said previously that Trump "vehemently denies" any affair.Cohen has admitted that he used 0,000 of his own money to pay Daniels.A lawsuit filed last week by Daniels says the money was part of a "Hush Agreement" to keep her from speaking publicly about an alleged affair with Trump. The lawsuit argues that the agreement is void because Trump never signed it.White House press secretary Sarah Sanders told reporters last week that the matter with Trump and Daniels has been put to rest, saying, "I can share that the arbitration was won in the President's favor. I would refer you to the President's outside counsel on any details beyond that."Clem told his listeners in January that he had removed the appearance from his archives, the website Bubba Army Radio, because he didn't want any unwanted attention in advance of an upcoming federal court case with Nielsen over alleged ratings tampering by Clem.Clem declined to be interviewed for this story, citing a pending civil matter, but provided CNN with a statement: "This interview happened in May 2007. I only asked the questions. Stormy answered them. I wish her and our President nothing but the very best. I don't think it's that big of a deal. We need to stop worrying about the past and focus on the future. President Trump is our President, regardless of who he slept with 12 plus years ago. The media and haters need to get over it."In the clips Clem played of the 2007 episode Friday, Daniels can be heard describing an affair she had with a wealthy man that took place in Nevada less than a year before her radio appearance. The details match with those in the lawsuit filed by Daniels last week. In that suit, Daniels alleged she had an "intimate relationship with Mr. Trump in the Summer of 2006 in Lake Tahoe and continued her relationship with Mr. Trump well into the year 2007.""Can you write down a name and we won't say it on air, for our own personal reasons," an unidentified co-host (not Clem) says to Daniels in the 2007 appearance. "We've done this before. We won't mention it on the air. We won't say any clues."When the name is shown, the hosts can be heard saying "no way" and "wow." An assistant of Daniels, identified by the name of Cheryl, can be heard verifying the affair happened when asked if it was true."Be careful on this one. Do not say a word," Clem can be heard saying, cautioning Daniels and his co-hosts to not speak the man's name.Daniels, when asked how long the affair took place, added that it lasted "less than a year."Later in the show, Clem plays short clips of Daniels responding to questions over the alleged affair. Daniels said the tryst took place in "Nevada, but not Vegas." At the prodding of the radio hosts she says it was in Lake Tahoe, which is where Daniels first encountered Trump at a celebrity golf tournament in 2006.She said she found it "horribly embarrassing" that this person was the best in bed of the three people on her list and added that the person contacted her "twice a month."She later added that there was no money exchanged."There was no exchange of money," said Clifford. "I'm sure if he had felt the need to graciously help me I would have put it in my purse." 4718

TAMPA — A St. Petersburg, Florida soldier is finally reuniting with a dog she rescued while she was deployed in Iraq in 2017. U.S. Army Reserve Sgt. Tracy McKithern said she first laid eyes on a the little puppy as it sniffed around the base with its mom.McKithern said the puppy and the mom were clearly starving, and abused by locals, kicked and hit with rocks everyday. They were covered with dirt and scratches. The puppy had two siblings, but McKithern said they both disappeared.It didn't take long for the puppy and her mom to realize they were safe near the base, and would be fed too. As weeks went by, the puppy and its mom both gained weight and their wounds started to heal."She loved everyone," said McKithern. "She is the sweetest little soul. She came up to me immediately, probably hungry, but gentle. I think she was looking for love more than anything else."McKithern named the puppy Erby Kasima. Erby, after the the largest city in Northern Iraq, Erbil and Kasima, the Arabic name for "beauty and elegance."McKithern said she along with soldiers from Italian and German armies her unit was partnered with, began taking care of the dogs. McKithern was totally in love with Erby and said the puppy was always waiting at the base for them to return when they'd go on missions. But towards January 2018, as her 1-year deployment was expected to end, McKithern couldn't imagine leaving Erby behind. She decided to post a picture of the dog to Facebook with the caption, "I wish I could take her home.""I went to sleep, woke up and my friends and family had posted links to various rescue groups. I reached out to one of them and they responded immediately," McKithern said.She got in touch with one and sent them ,000 dollars to get the ball rolling."A complete stranger donated ,000 and it was around Christmas, so it was like a cute note, like Merry Christmas, or Happy New Year, it was amazing," she said.The non-profit, Puppy Rescue Mission, raised the rest of the money needed, which was ,500, from complete strangers. McKithern was beyond excited and grateful.But before Erby could leave, she needed vaccinations, documentation, and travel arrangements which became a daunting task for McKithern, who still needed to fulfill her duty as a soldier. She started to get worried the rescue wouldn't pan out. Instead, her German and Italian friends stepped up, promising to tie up any loose ends and get Erby on the plane.Erby was set to arrive JFK airport on March 11. Just days before, McKithern got word she would be deployed that SAME day, on a 67-day mission to Fort McCoy, Wisconsin. She wouldn't be able to greet Erby, let alone see her for another 2 months."I was pretty sad, I mean I mention to my husband quite a few times, I love the Army and what we do, but I was pretty sad," she said. McKithern came home and was reunited with the dog she fell in love with and saved. She said none of this would have been possible without the help from strangers, and the friends she made in Iraq at her base. "I can't believe it," said McKithern. "It feels like a miracle is happening."Erby's mom is still in good hands being taken care of on the base, but McKithern hopes she can get adopted as well. Unfortunately it costs thousands of dollars to bring the dog to the United States, but she is optimistic Erby's mom will be adopted too.For more on McKithern's story, click here. 3498