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That feeling of watching a loved one open a handpicked gift won’t exist for many this holiday season. And between the shipping delays and the call to stay at home this holiday season, the ways people can gift -- especially last minute -- are limited.AAA predicts that 34 million fewer Americans are travelling this holiday season compared to last year.“People are realizing or have realized over the last month that they had to change how they approach the holiday season,” Darrin Duber-Smith, a consumer behavior expert and professor at Metropolitan State University of Denver, said.Part of that is thanks to e-commerce. The IBM U.S. retail index shoes the pandemic has accelerated the move toward online shopping by five years.The National Retail Federation predicts that 60 percent of holiday shopping with be done online this year, up from 56 percent in 2019.“Our buying patterns have shifted almost entirely online over the last 9 months,” Duber-Smith said. “So many more goods and services are now available online. So many more than even a year ago, so I think consumers have a lot more choices that they can send.”However, the flower bouquets and gift cards can seem impersonal.“I really think all bets are off during the pandemic, but there’s going to be lasting effects in consumer attitude and behavior going forward,” he said. “Getting a gift basket that may or may not have a holiday greeting on it is becoming the norm.”“It’s an hour of work to send someone a gift,” Edward Lando, co-founder of Goody Technologies, said. “If you think about it, you need someone’s address. You need to pick out a gift. You need to make sure if you can add a note. You need to make sure it can get there on time, all that stuff.”Lando played a role in creating a solution to the problem by creating Goody, a gifting app that lets you send someone a gift in seconds. All you need is a phone number -- no address.“It’s not a normal form of buying something online, and it's not only e-commerce. It’s like a messaging experience,” Lando said.The app gives the gift recipient the whole experience of opening a gift virtually -- and the ability to swap out a gift for one of similar value if the recipient doesn’t like it. It also speaks to the need for the gratification the gift giver gets.“There's a huge psychological component to gift giving,” Duber-Smith said.“When you send a gift to someone and they open it, you get a little notification that says, ‘Melissa opened your gift,'” Lando explained. “And then you get another one that says she accepted your gift and added a note.”Gifting trends are also shifting to more experiences. “Those are the things that are more personal than gift cards because you understand what the consumer likes,” Duber-Smith said.And it’s something you can give this holiday season that doesn’t require shipping. “2021 could be the year for experiences as sort of everyone gets out,” he said.As you shop for your last minute gifts this week, consider how you’re shopping. “I think what it did is it exposed how important e-commerce is to everyone,” Duber-Smith said. 3101

Sugarland is taking the country music scene back by storm.They started by making waves at last year's Country Music Awards, announcing that the fan-favorite duo that went separate ways in 2012 after almost a decade together was getting back together.Made up of Kristian Bush and Jennifer Nettles, the duo released a new song to country radio called "Still The Same". PHOTOS: See red carpet arrivals from the 53rd annual Academy of Country Music AwardsNow the pair is making Nashville headlines again as they released the tracklist for their upcoming album due in June, "Bigger".The biggest surprise? Track number seven which has another familiar name that disappeared from the country charts. Taylor Swift.Swift, who famously left her country music roots to crossover to pop, is listed as a duet performer for the song titled "Babe".ACM Awards: Follow who is winning big and taking home a trophyIt also happens to be the only song on the album not co-written by Nettles and Bush. The duo confirmed backstage at the Academy of Country Music Awards that the track with Swift will debut next week.  1123

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

That’s how we made the decision to hold a responsible convention that will bring our country together, ensure our delegates can take care of official business without risk to public health, and still shine a spotlight on our host community of Milwaukee.— Tom Perez (@TomPerez) July 24, 2020 298

Supreme Court Justice Samuel Alito has ordered county elections officials in Pennsylvania to keep separate mail-in ballots that arrived after Election Day. The state’s top elections official already had ordered those ballots be kept apart.The order came Friday night in response to a plea from the state Republican Party as Democrat Joe Biden inched ahead of President Donald Trump in Pennsylvania in the presidential race.Alito, acting on his own, said he was motivated in part by the Republicans’ assertion that they can’t be sure elections officials are complying with guidance issued by Pennsylvania Secretary of State Kathy Boockvar, a Democrat.The justice handles emergency appeals from Pennsylvania. He ordered a response from the state by Saturday afternoon and said he has referred the matter to the full court for further action.The order is related to an ongoing Republican appeal to the Supreme Court to try to keep ballots received in the mail after Election Day from being counted. The state’s top court granted a three-day extension, and the Supreme Court refused to block it.The Associated Press has not declared a winner in the state. 1159

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