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We've seen headlines for weeks about Hertz selling off its fleet after filing for Chapter 11 bankruptcy. In reality, it isn't just Hertz and it didn't just start.“You should not expect, or the market should not expect, all of a sudden this influx of rental supply to hit the market because rental companies have been right sizing their fleets since at least mid-March,” said Larry Dixon, Senior Director of Valuation Services at J.D. Power.As COVID-19 forces car rentals and auctions to shut down, the rental companies started selling more to dealers who weren't able to replenish their used car supply. Now that auctions have opened, demand is up and so are auction prices.So far for retail, what we pay is stable. At the same time, new car sales are down. So, there are fewer trade-ins. That means better deals.“Dealers are going to be more likely to be more aggressive with a trade-in offer to a consumer, particularly for highly desirable late model vehicles, think that 2 to 5-year-old used vehicle,” said Dixon.As far as rental cars being a good buy, they are well-maintained and kept clean. The negatives are they have higher miles. But that can also be a positive in the price.A dealer doesn't have to disclose if a car was a rental. You can find out on your own with a vehicle history report. 1309

When 29-year-old Cecilia Paredes decided to buy a 2018 Mini Cooper with cool black rims, she knew she’d be facing a professional negotiator — the car salesman. So Paredes, who works in the theses and dissertation office at California State University, Long Beach, brought her uncle along as her wingman.“I’m young, I look young and I’m a girl,” she says. “I was afraid they might try to take advantage of me.”Paredes isn’t alone. According to a recent survey commissioned by Cars.com, 1 in 4 millennial car buyers (in this case, ages 18-34) don’t feel comfortable negotiating and would prefer to have their parents help make the deal. But millennials have a secret weapon that forms a strong foundation for effective negotiating strategies: a penchant for online research.Even with the added transparency the internet provides, “negotiating is still very important in car buying,” says Greg Kopf, a brand ambassador for online auto parts retailer CarID. He’s himself a millennial who’s worked as a dealership service advisor.Here is a roadmap for millennials — or anyone new to car-buying — to connect the cold world of data with the human dance of negotiation, whether or not they bring mom or dad along for the ride. 1241

While politicians debate unemployment benefits, those who rent housing are hoping a deal is worked out soon. Experts say, so far, the COVID-19 pandemic hasn't impacted the housing industry, but that could soon change.Property managers are concerned the housing industry could see a repeat of the Great Recession from 2008.Michael Cohen is the owner of Asset Realty Management in Tennessee, which manages close to 900 properties. He says when the pandemic first hit in March, they started to see a major decline in vacancies and payments coming in. But when unemployment benefits started to kick in, things returned to normal.Cohen is worried now that enhanced unemployment benefits for millions of Americans have ended."Some people are still trying to dig their way out of that hole where they couldn’t pay for March and now we’re three months later and they’ve made major attempts to get caught up and here we go again. Definitely, I'm concerned about it," says Cohen.Jack Strauss is the Miller Chair of Applied Economics at the University of Denver. He says to prevent another housing crisis, eviction moratoriums need to continue along with additional unemployment benefits.“We care about evictions, not just for the family which is a personal tragedy in moving, but it could destroy the neighborhoods,” Strauss said. “You can be evicted from your house, these rental properties will remain unrented for long periods of time."Strauss says there are only about 5 million job openings across the country right now and 18 million people are unemployed."We already have a health problem. We don't want another severe economic problem in terms of evictions, in terms of unemployment people going hungry and homeless," says Strauss."I just keep waiting for this tsunami of lack of rent payments and people not being able to vacate and not being able to fill our vacancies and them staying vacant. Then once we get into the holidays, then things slow down even more," says Cohen.Strauss believes Congress will eventually come to an agreement and reissue some form of enhanced unemployment benefits to people. He hopes this next coronavirus stimulus bill really focuses on those who are suffering, including people of color, who Strauss says rent properties significantly more and are more than twice as likely to face evictions."This will even further hurt the Black family unit and Lanoti family unit, as well, if we don't have a moratorium. We need to help people of color because they're more likely to be hurt by a lapse in federal aid," says Strauss. 2559

With a swipe of a pen Monday, Mississippi Gov. Phil Bryant signed into law a bill that prevents women from getting abortions after 15 weeks of pregnancy. His state, effective immediately, now holds the distinction of having the earliest abortion ban in the nation."As I have repeatedly said, I want Mississippi to be the safest place in America for an unborn child," Bryant tweeted this month in anticipation of the bill's passage. Lt. Gov. Tate Reeves echoed that sentiment Monday, tweeting "It's a great day in Mississippi" along with a picture of the signing.Also known as the Gestational Age Act, Mississippi's new law makes exceptions only for medical emergencies or cases in which there's a "severe fetal abnormality." There are no exceptions for incidents of rape or incest.The law also puts physicians on notice. Doctors who perform abortions after 15 weeks will be required to submit reports detailing the circumstances. If they knowingly violate the law, their medical licenses will be suspended or revoked in Mississippi. If they falsify records, they will face civil penalties or be forced to pay fines of up to 0.The measure is just one in a string of efforts to diminish access to abortions in Mississippi, critics say."Abortion is a safe medical procedure and it is a critical part of the broad spectrum of reproductive health care that a woman may use in her lifetime," said Felicia Brown-Williams, Mississippi state director for Planned Parenthood Southeast Advocates, in a statement. "This ban is not only unconstitutional -- it endangers women's health care across our state. If legislators truly cared about women's health, they would be focused on ways to improve access to health care for women, not restrict it."Access to abortions in Mississippi was already highly restrictive.It is among a small handful of states that has one remaining clinic: in this case, Jackson Women's Health Organization. Although Mississippi is among the states with a 20-week ban, up until the enactment of this latest bill, the cutoff time for abortions at the Jackson clinic was 16 weeks. And since hospitals won't perform abortions, the resulting one-week change brought on by this new law is "arbitrary," based on "capricious whim" and a way to "feed political meat" to a political base, said Dr. Willie Parker, board chairman of Physicians for Reproductive Health.Mississippi is the only state in the country that requires physicians who perform abortions to be board-certified or board-eligible obstetrician-gynecologists, a fact that's being challenged in court as unconstitutional by the Center for Reproductive Rights. Parker, an OB/GYN, explained that he could be trained in a plastic surgical procedure and be free to perform that procedure in Mississippi, even though he's not a board-certified plastic surgeon. But a family physician, a surgeon or an internist trained to perform abortions isn't given the same leeway.Mississippi also requires in-person counseling and a 24-hour waiting period before receiving an abortion, which means women must make repeat trips to the facility -- a fact that's especially burdensome for those living outside Jackson. Health plans under the Affordable Care Act, insurance policies for public employees and public funding for abortions can be applied only in cases of rape, incest, fetal impairment or when a life is endangered, according to the Guttmacher Institute.About 2,000 women a year in Mississippi receive abortions, Parker said. The vast majority, 88%, receive them in the first 12 weeks of pregnancy. So by 15 weeks, he estimates, 200 women in Mississippi who should have access to an abortion no longer will.For women living in poverty who need time to gather resources to pay for an abortion and for those outside Jackson who need to find ways to cover additional expenses associated with travel, House Bill 1510 will close the door to a procedure that's been a legal right for women since the passage of Roe v. Wade in 1973.Proponents of the bill, like Mississippi State Rep. Dan Eubanks, argue that this law will do what's best for women."Beyond the obvious debate of trying to save the lives of innocent babies, there is the often less discussed issues that relates to the health of the mother who receives an abortion," Eubanks wrote in an email. "When did looking out for the life, health and overall wellbeing of a child or its mother start getting labeled as extreme in this country?"Eubanks says that the longer a woman carries a child in her womb, "the greater the potential she will suffer from psychological, emotional, and physical damages as an outcome," though that contention is generally disputed by those who advocate for safe access to abortions.The new Mississippi law is expected to be challenged in court.The Center for Reproductive Rights points out that similar efforts in other states -- Arizona, North Dakota and Arkansas -- were shot down on constitutional grounds. And the advocacy group expects that this bill to ban "pre-viability abortion" will similarly be stopped."Mississippi politicians' flagrant assault on reproductive rights will not go unchallenged," said Lourdes Rivera, senior vice president of US programs at the Center for Reproductive Rights, in a written statement. "This bill is dangerous and unconstitutional. The Center is prepared to answer any attempt to undermine 40 years of Supreme Court precedent with the full force of the law." 5500

Whether planning necessary travel in the near term or fantasizing about vacationing in the ever-longer term, you might be curious how the coronavirus pandemic has affected airfare prices.We compared data from our points and miles valuations analysis to determine where and how airfare has changed since this time last year. We looked at the same routes, airlines and booking time frames for both 2019 and 2020, ensuring an apples-to-apples comparison.Although air travel has picked up significantly since the lows in April, the Transportation Security Administration is still reporting about 63% fewer daily screenings than this time last year. Has this drop in air travel demand led to a significant price drop?The short answer is: Yes, prices have fallen.Prices have dropped, but mostly in the short termThe average cost of a domestic round-trip ticket fell 23% in 2020, from 7 in 2019 to 4.This price drop is striking but not surprising given continued low demand. But the trend becomes stronger when breaking out the booking date data, with those made within 15 days dropping much further than bookings made six months in advance.The plot thickens.Airfare for long-term bookings has remained flat year over year. If you book a flight for six months from now, you’re likely to pay roughly the same price as you would have last year. But closer-in bookings, within 15 days, are not only far cheaper than they were in 2019 but also cheaper than long-term bookings.This turns conventional airfare-booking wisdom on its head. Usually, we would recommend booking flights as far ahead as possible to secure low fares. But booking too far in advance is now a recipe for getting fleeced.? Learn more: How to plan holiday travel for maximum flexibility in 2020What’s going on?The management of supply and pricing is usually an exquisitely orchestrated dance in which airlines ensure that every flight is filled to near capacity and every price is competitive. This usually means ramping up prices for nearly full flights at the last minute, when competition becomes stiffer.However, now that demand has dropped and airlines are actually falling over themselves to reduce flight capacity, the game has changed. Airlines are now competing with each other for last-minute bookings, which drives down prices. And they seem to be making up revenue by raising prices on longer-term bookings made by those few brave souls willing to plan in advance. In other words, it’s a buyer’s market for close-in bookings.Of course, these pricing dynamics, like everything this year, are liable to change by the week. If you’re thinking about booking a particular route, set up a price alert on Google Flights or another travel search tool and keep an eye on how the airfare winds are blowing.What do these unusual airfare trends mean for you? Keep it simple: Avoid booking months in advance, set up a price alert and try to shed the normal (and normally smart) habit of avoiding last-minute bookings.More From NerdWalletShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite Airlines(How) Should I Travel for the Holidays?Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. 3242

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