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Thursday marks six months since the World Health Organization declared COVID-19 a global health emergency. The coronavirus is only the sixth time a global health emergency has been declared.Compared to the previous five emergencies, experts say the coronavirus pandemic is easily the most severe.Here in the United States, we’re still far behind when it comes to recovery. Health security experts at Johns Hopkins University say we have seen some success in treating the virus, but there hasn't been much success in responding to it, especially when it comes to testing.“Many states did not invest in testing and many states did not invest in contact tracers, so when you see cases spiral out of control in certain states, it's not surprising to me,” Dr. Amesh Adalja of Johns Hopkins University said. “That's exactly the recipe you would set up if you wanted cases to rise.”Dr. Adalja says in order to tackle the spread of the virus, the US needs to prioritize testing, tracing and isolating.Health experts across the country have also signed a letter calling on the US to shut down the country and start over. The letter includes a list of recommendations for what's needed before cities can reopen. It calls for enhanced testing capabilities, more contact tracers and more personal protective equipment.Dr. Bill Hanage at Harvard University was one of those who signed the letter, and says safely reopening can happen, “If we look at countries like New Zealand, South Korea, then you can actually see that it is possible with sustained action to shut down, strangle the virus, throw it back to the sea, and then you can open with substantial amounts of normal economy.”Hanage adds that while it can be done, it's yet to be seen if the US is capable of doing this.The Association of American Medical Colleges has also offered a road map that would change the country's approach to the pandemic. It calls for some of the same things other doctors have asked for -- testing, tracing, and more PPE.It also goes further and asks for broad health insurance coverage for people who have lost their jobs, remedying drug shortages, and establishing national standards on face coverings. 2188

Three-time gold medal gymnast Aly Raisman was sexually abused by former USA Gymnastics doctor Larry Nassar and is "angry" about the culture that allowed the abuse to go on, she said in an interview with "60 Minutes."Raisman, now 23, was a star gymnast on the 2012 and 2016 US Olympic teams, earning six medals overall. She said that she was first treated by Nassar when she was 15 years old."Why are we looking at why didn't the girls speak up?" Raisman said in a short clip released by 60 Minutes. "Why not look at what about the culture? What did USA Gymnastics do, and Larry Nassar do, to manipulate these girls so much that they are so afraid to speak up?""You're angry," reporter Jon Lapook said."I am angry. I'm really upset because it's been -- I care a lot, you know, when I see these young girls that come up to me, and they ask for pictures or autographs, whatever it is, I just -- I can't -- every time I look at them, every time I see them smiling, I just think -- I just want to create change so that they never, ever have to go through this."Raisman is the second member of the famed "Fierce Five" team of American gymnasts to speak out about Nassar, the former team doctor who has been charged with various counts of sexual misconduct and child pornography.Last month, under the "#MeToo" hashtag, McKayla Maroney said Nassar sexually abused her under the guise of providing "medically necessary treatment." That "treatment" began when Maroney was 13 and continued through her stellar performance at the 2012 Olympics."It seemed whenever and wherever this man could find the chance, I was 'treated.' It happened in London before my team and I won the gold medal, and it happened before I won my silver," Maroney wrote.Maroney described one incident with Nassar as "the scariest night of my life," and she encouraged others to come forward and speak about their experiences."Is it possible to put an end to this type of abuse? Is it possible for survivors to speak out, without putting careers, and dreams in jeopardy? I hope so," she wrote. "Our silence has given the wrong people power for too long, and it's time to take our power back."And remember, it's never too late to speak up."WATCH PART OF THE INTERVIEW: 2236

There's a new Facebook hoax going around — and it's targeting your inbox."We’ve heard that some people are seeing posts or messages about accounts being cloned on Facebook. It takes the form of a 'chain mail' type of notice," a Facebook official said.Here's what happens: you receive a message from an existing Facebook friend telling you they've received a friend request from you. Then it says to check your account and instructs you to forward the message to all your friends.But users are following these actions without actually checking if they have a duplicate profile and it's leading to a lot of confusion, a Louisiana official said.The message reads: 678

Thirteen days before the 2020 presidential election, former President Barack Obama arrived on the campaign trail in the Keystone State of Pennsylvania on Wednesday to lend a hand to his former Vice President Joe Biden.The stalwart and arguably most popular figure of the Democratic Party is hoping to lend his esteem among Democrats to push them to the polls for Biden. Opinion polls are showing a slight lead for Biden in Pennsylvania, and the state could end up being the keystone to reaching 270 Electoral College votes.Obama delivered a fiery rebuke of President Donald Trump, going after his leadership amid the coroanvirus pandemic, and his plans to eliminate the Affordable Care Act. "Where is this great plan to replace Obamacare? They’ve had 10 years to do it. There is no plan," Obama said. Pennsylvania played an important role in 2016 in sending Trump to the White House; Trump won the state by .6%. Trump was the first Republican presidential candidate to win the state since 1988, but the state has been hotly contested in tight elections. In 2004, John Kerry won Pennsylvania by just 2%, while Al Gore won the state by 4% in 2000.The former president had approval ratings well above those of Biden and Trump when he left office. In January 2017, Obama had a 59% approval rating nationally, according to Gallup. A year later, Gallup conducted a retrospective job approval rating, which gave him a 63% approval rating. By comparison, Trump has a 43% approval rating, according to Gallup; Biden has a 46% favorability rating.Due to the coronavirus, Wednesday’s rally was a drive-in, with supporters socially distanced.Joining Obama was a number of prominent Philadelphia-area Democrats, including Gov. Tom Wolf.Obama’s visit to Philadelphia comes less than 24 hours following Trump’s stop in Erie, Pennsylvania.The Biden campaign announced late Wednesday evening that Obama will once again be back on the campaign trail on Saturday with a visit to Miami.While Biden took the day from the campaign trail to prepare for Thursday's debate, Trump campaigned in North Carolina. 2093

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