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Springtime is one of the busiest times to buy and sell a used car, but if you’re looking to buy, you’ll want to check a few things you probably never thought about. Here is advice Consumer Reports has when buying a used car:When buying a car, most customers check out the vehicle history report, which is what you should do. But, one thing the report won’t tell you is if that car was used as a ride sharing vehicle for Uber or Lyft.Without this information, you’ll want to check the mileage. A telltale sign a car was used for ride sharing is a newer car that has a lot of miles. Next, check the rear seat for excess wear and tear.You’ll also want to look for residue from stickers. Uber and Lyft drivers have to display their stickers on the front or rear windshields.If there are signs that the car was use for ride sharing, you’ll want to reach out to the manufacturer, not the dealer, to ask how many miles remain covered on the warranty. Whenever purchasing a used car, remember have it inspected by an independent mechanic. 1053

Special counsel Robert Mueller's team said Friday that former Trump campaign chairman Paul Manafort lied on five major issues after agreeing to cooperate with prosecutors, including his "contact with administration officials."In a heavily-redacted document released Friday, Mueller's team also said Manafort lied about his interactions with Konstantin Kilimnik, his Russian associate who Mueller has said has ties to the Russian military intelligence unit accused of hacking the Democrats, and how they may have worked together to tampered with witnesses following Manafort's arrest last year.The investigators say they have evidence about electronic communications related to Kilimnik and travel records. Much of the details the prosecutors released to the court Friday were redacted in the public version of the document.The special counsel believes Manafort also lied about a wire transfer made to a firm he had hired and "information pertinent to another Department of Justice investigation."The special counsel's office last week accused Manafort of lying during his interviews, saying that his actions during his cooperation were criminal and breached his plea agreement.The filing is the first time prosecutors have summarized why and how they believe Manafort breached his plea agreement. Previously, the prosecutors simply told a federal judge Manafort "committed federal crimes by lying" to the FBI and special counsel's office during his cooperation interviews "on a variety of subject matters."Manafort says he has been truthful over several meetings with the special counsel's office. His lawyers indicated last week that they may challenge the assertion that he lied. 1689

So you think ice cream is child's play? The state of New York just gave the OK for companies to produce frozen treats that are strictly for the 21 and over crowd.Monday, Governor Andrew Cuomo signed a bill allowing the manufacture and sale of ice cream and other frozen desserts made with liquor in the state. The new legislation is designed to give dairy farmers, liquor and craft beverage producers cross the state a new market to explore."It might be nice for the adults, if they want to have a little bit of alcohol and kind of indulge while the kids are getting ice cream or candy or playing around in the fun atmosphere," said Adriana King, Assistant Manager of King Condrell's Candy and Ice Cream in Kenmore. 723

So the seemingly endless month of Black Friday sales is finally over.But don't worry if you haven't found everything you need: we head into December now with more days to find deals, through Christmas Eve.Just like Black Friday stretched into a weeks of deals, Cyber Monday is now Cyber Week. And it seems there are new sales every other day.So when will you find the best deals from now till Christmas?The savings site DealNews.com says:Cyber Week is a great time for electronics and home and kitchen gadgets, with many things that sold out during Thanksgiving back in stock again. This is when you want to hunt online for those hardest-to-find items like the Xbox Series X and PlayStation 5.Green Monday, December 7th or 14th, depending on the retailer, is a great time to order from smaller online merchants and local stores.Free Shipping Day is December 14th, the last day for guaranteed Christmas delivery (at no surcharge) from hundreds of web retailers.December 15th is not an official sale day, but is traditionally when toy prices start to drop, according to DealNews.com.December 20th is when prices on winter clothing and jewelry that hasn't sold starts to get slashed.Christmas Eve sales usually start a couple of days before Christmas Eve, and are a last-ditch attempt to clean out unsold gifts, clothing, and other items. You can find some incredible deals 48 hours before Christmas.Why you shouldn't wait much longerBut from the doesn't that stink file, is the risk this year of waiting too long to order online.DealNews.com says this year has seen many shipping delays, and with so many people ordering online, supply lines could bog down again by mid month.After free shipping day in mid December, you are pushing your luck ordering online, unless you are willing to pay for or more for priority shipping.That late you may want to put your mask on and head to the mall.With online shopping up 30% this pandemic year, Amazon, FedEx, and UPS are expecting a crush of orders.So shop early, so you don't waste your money.__________________________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2371

Small business owners are concerned that a federal loan program, the Economic Injury Disaster Loan, is providing too little money – too late. The delay, and the diminished funding, are leaving some business owners with questions, concerns and a fear that they’ll have to shut their doors.One of those businesses is GoPegasus, a transportation company based in Orlando, Florida. It’s been months since any of its dozens of buses have even moved, even though business should be booming right now.“There are days that it's really tough to wake up in the morning, I'm gonna tell you I... But you have to do it like us, 26 years. It's a life,” said Claudia Menezes, the vice president of GoPegasus said.And even though their business has stopped - Menezes said they’ve seen more than million in cancellations so far - their bills haven’t. Things like employees, bus maintenance and insurance all still have to be paid. Which is why Menezes said GoPegasus applied for an EIDL loan in the first place. In the 26 years GoPegasus has been in business, Menezes said they have received two such loans before, one immediately following September 11, 2001, and another after Hurricane Irma.The EIDL is a low-interest loan, separate from the Paycheck Protection Program, that the federal Small Business Administration awards after a disaster. EIDL funds can be paid back to the government over decades.The coronavirus pandemic means any business owner with 500 employees or fewer can apply for one of these loans.Menezes said that when they applied for a loan in March, the maximum cap was million, and the company was approved for a 0,000 loan, but before they got the money, the loan program was capped.In May, the SBA capped all EIDL loans at 0,000. An SBA representative said that decision was made “in order to help as many small businesses and nonprofit organizations as possible. However, most applicants will not be affected by the limit because loan amounts are calculated based on economic injury and 6-monts of actual working capital needs. As of June 29, 2020, the average EIDL loan for COVID-19 is well under the limit at approximately ,000.”Menezes said with the smaller loan, she doesn’t know if GoPegasus will be able to stay in business. She’s appealed the loan amount and said she’s called, written letters and reached out to her federal representatives but has no information on the status and is just waiting.“It’s almost impossible to plan and that's our situation at this point, so what are we gonna do? We're really running out of resources,” said Menezes.Kelly West and her family have a similar story. This is the first time her family’s company, Skydive Greene County, applied for a federal EIDL loan and she described the experience as “horrific.”“I might sound a little dramatic, but it's been an emotional roller coaster,” said West.She’s the operations manager for the company and said she originally filed a loan application in March. She said she needed to fix an error on that original application, but after she did, the nearly 60-year-old family business’ loan was only partially funded. She said she’s appealed, written to federal representatives and even got a senator involved but now she’s waiting – with no idea if or when she’ll learn moreTalking about small business owners and the importance of funding EIDL loans, West said that, “these are people, not just their income, but these are our dreams, our hopes, our dreams, our life’s work.”Menezes and West are not alone. In a July 1 meeting of the U.S. House of Representatives’ Small Business Committee, representatives from both sides of the aisle shared similar small business stories from each of their districts with James Rivera, an Associate Administrator for the Office of Disaster Assistance in the U.S. Small Business Administration. Most of the stories told by the representatives had similar themes – not enough money and not enough information.In reference to the 0,000 cap, Rep. Pete Stauber, (R-MN) told Rivera that “it seems that the SBA has taken some liberties to reduce the cap of loans given out from million to 0,000. While this is likely to ensure that the maximum number of businesses receive some sort of funding during this crisis, my constituents are rightfully upset. They feel like they are being cheated out of what they were promised by our government.”Rep. Angie Craig (D-MN) talked about the lack of information and customer service her constituents received from the SBA in the loan process, and told Rivera, “I have a lot of businesses in my district where if this was the level of customer service that they provided they would be out of business three months ago.”The SBA points to what they have done. Rivera told representatives that some wait times have been longer but the average time to get a loan filled is 41 days. While some representatives questioned how long that time frame was, Rivera said loans that are applied for now – after a new application portal was rolled out in June – have an even shorter turnaround time.A representative of the SBA said in an email that, “following the passage of the CARES Act, SBA created and implemented an entirely new online EIDL application portal and distribution system…This system has now handled more than eight million applications, allowing the SBA to distribute funds to those small businesses in less than two days.”Rivera also said in Congress that there’s a huge demand for funds – bigger than ever before, and that the SBA has awarded 6.8 million business about 7 billion, and still has about 0 billion left to award.Both Menezes and West said that if they knew back in March what they would have to go through – and are still going through -- they likely would have tried to get loan help elsewhere.“It's a one thing to have a yes or no answer and to know right away. So we could have made alternative plans to get different financing if we needed it,” said West. “But then when you're promised something and then it doesn't come through, and then you're promised by somebody else and it doesn't come with them, now what is three or four different times. You feel like you’re just beat up.”Menezes echoed that sentiment, and also said after 26 years in business, she doesn’t know if her company will make it through this one.“It is like it makes the situation even worse because you don't know what you do, what you can do, what to do. We’re in the mercy of something - a miracle to happen,” said Menezes. 6518

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