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If the documents Business Insider says it saw are official, we'll have Pumpkin Spice Lattes from Starbucks in our hands even earlier than ever.The online news outlet says the drop date for the popular seasonal beverage at Starbucks is Aug. 28.Supplies are already being sent to Starbucks stores, the website says. 321

If you’re shopping for a car, you may already know that buying used is a smart move that greatly expands your choices. The key is knowing where to look for them.Buying a used car will not only save you money but also allow you to shop higher-end brands, says Ivan Drury, Edmunds.com’s senior manager of insights. For example, maybe you wanted a new Toyota Camry. Instead, he says, you can save about ,000 and get a 3-year-old Lexus.Because of the bankruptcy of Hertz rental car agency, along with the many cars coming off lease, there are a lot of used vehicles to choose from, says Jeff Huang, who attends auctions as the remarketing sales supervisor at Westlake Financial Services. “A good used car is a real value proposition — and there are definitely deals to be had,” Huang says.Shoppers looking for great bargains will find them in cars older than 7 years, says Mark Holthoff, used car editor at Klipnik, a website for used car enthusiasts. “That’s because the depreciation curve has mostly been flattened,” he says. For example, a 2014 Mercedes-Benz E-Class sedan, costing ,000 new, now sells for about ,000.Shop in the right placeNew cars are sold only by franchised dealers, but used cars can be purchased from a variety of sellers:Used car departments at new-car dealerships.Used car superstores such as CarMax.Online used car sellers such as Carvana, Shift and Vroom.Car rental sales lots.Independent used car lots.Private parties.Public auctions.You’ll typically find the newest and more expensive models at new-car dealers’ used-car lots, the only place to turn if you want a certified car with a warranty and factory financing. Prices are likely to be higher than other lots’ but negotiable.National used-car chains such as CarMax, online retailers and rental car agencies also offer newer cars, often with factory warranty remaining. You can also get a loan and buy extended warranties. Prices are typically no-haggle.Independent lots, private parties and public auctions typically deal in older or cheaper cars. The upside is that you may find a 20-year-old one-owner cream puff, cheap. It does happen. But most cars have had several previous owners, and a checkered past is not rare. Plus, you’ll have to arrange your own financing.Adjust your expectationsThere is a built-in risk-versus-reward element to used car shopping: The more you’re willing to spend, the less chance the car will need repairs and overdue maintenance. Here’s an overview of the three price levels of used cars:High-end used cars: If your budget is over, say, ,000, you might consider getting a certified pre-owned (CPO) car from a dealer. Shopping for a CPO car is easier because it’s pre-inspected and comes with an included warranty. While you’ll have to pay a premium, you’ll also be able to buy a car with more modern technology and safety features. Of course, you can always buy a non-CPO car and purchase an extended warranty.Midrange used cars: A sweet spot for used car buying is a 3-year-old vehicle coming off a lease. Many of these cars will sell for 40% of their original price and still retain a new-car feel, according to Drury. Another source of near-new bargain-priced vehicles is car rental lots. According to an iSeeCars analysis, Hertz vehicles are selling for an average of ,389 below market value.Older used cars: Many people are afraid that cars from 7 to 15 years old will require costly repairs. But Holthoff points out that new cars can effectively cost the owner ,000 a month in depreciation.“You might have to spend money on a repair, but depreciation is a constant,” he says.To offset repairs, set aside 0 a month so sudden mechanic bills won’t deplete your savings.It’s best to buy older cars from private-party sellers because you can get a better idea of the mechanical condition, Holthoff advises. A used car dealer will show you the vehicle history report, but a private party might have the service records and can answer many other questions.Look for unexpected valueThe used car market is vast and, if you can spot an outlier, you can save big money. Here are a few examples of how to find that diamond in the rough:Cars that haven’t been recently redesigned will sell for less. Check car sites such as Edmunds.com to find out when the last time major changes were made to a model.While there is a stigma to buying a used rental car, the vehicles are well-maintained and priced lower than buying from dealers, Drury says.If a car dealer’s vehicle history report shows you are looking at a former rental car, leave and buy a similar one directly from the rental agency’s sales lot. You’re likely to find it cheaper.Be willing to travel to an area where the car you want is less popular. For example, all-wheel-drive vehicles sell for less in the southern U.S., where winter driving isn’t a factor.Be willing to travel to a more competitive market. A Honda dealer with a city to itself has less pressure to dicker on a CPO vehicle than a dealer in a city with three or four rivals.Used luxury cars often offer the biggest savings, according to Holthoff. The money you save on the purchase can be used if any repairs are needed.More From NerdWalletDon’t Fall for COVID-19 Student Loan Relief ScamsGet Your Finances Ready to Refi Student Loans5 Reasons It’s Smart to Lease a Car Right NowPhilip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 5428

If you've been looking for a new kitchen appliance this year, locating certain models can be as tough as finding a new Xbox Series X or PlayStation 5.The appliance shortage that began in March shows no sign of letting up.Tommy Conougher is among the many frustrated shoppers. He needs more space in his refrigerator."This is one we've had since we built the house 17 years ago," he said.Like many families during this pandemic, he wants to stock up on frozen beef and chicken."We thought we would just invest in a freezer we would put in the garage, so we started to look."But finding a freezer was tougher than finding Nemo."We have been searching all summer long, nine months, for a freezer," Conougher told us in a Zoom interview from his kitchen."And even when the big box stores have their specials, they don't have them in stock."Many brands, price ranges affectedIt doesn't matter if you are looking for a freezer, refrigerator, range, oven, or washing machine.It also doesn't matter if your budget is 0 or ,000, or what brand you want (though American brands like Whirlpool and Maytag appear to be in better shape than European or Korean brands).You are going to find spot shortages just about everywhere, according to Ken Reiman, co-owner of an appliance distributor.He supplies builders and remodelers, who he says now have to delay finishing some projects due to ongoing shortages."When I check our vendor websites," he said, "they are just not available."He says the shortages that started when factories shut down for two months early in 2020 have not let up."For instance," Reiman explained, "they will give an estimated time of December 5, and December 6 comes around and they have moved to January."Why the shortage hasn't endedReiman says there are 3 reasons for the current shortages.Originally, it was factory shutdowns in March, April and May, along with delays getting appliances shipped from China during that time.The second reason is shortages of foreign-made parts, such as wiring harnesses and compressors, which forces U.S. factories to shut down their assembly lines until product arrives.The third reason is high demand, as people spend their vacation dollars this year on their kitchens instead, Reiman said.His suggestion: Be flexible on brand and model."We have products coming in," he said. "Our warehouses are more stuffed now than ever. But it seems we can't get the full package of matching appliances, which means you may get a range and microwave, but may have to wait three months for the matching fridge."If your heart is set on an exact size, color, and model, he says you could wait till spring.Reiman says your best bet is to ask what models are in the local or regional warehouse that you could get in a few days.While you will find shortages of all appliances, the worst of all are standalone freezers, because not many of them are made.As always, 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 3244

If there are NFL games this fall, and if fans are allowed to attend in person, face coverings will be required. That’s the latest from the football league as they make changes because of the coronavirus pandemic.Some teams and stadiums have announced mask policies, and now it will be league-wide. NFL spokesman Brian McCarthy confirmed that all fans are to wear face coverings. 386

IMPERIAL BEACH, Calif. (KGTV) -- Imperial Beach is known for its surfing, sandcastle competitions, and stunning pier, and now you can add scavenger hunt to the list, with a July event created to showcase the city's history and culture."We really want to make sure we're providing something that gives people the opportunity to get out and enjoy the community," says Imperial Beach City Councilman Mark West.Imperial Beach has partnered with IB Active and the San Diego Bike Coalition to put on the scavenger hunt. "It hunts down beautiful and historical places throughout our community, and it's been a great event," says West.Families can make their way around Imperial Beach searching for clues, problem solving, and completing tasks."We've had over 200 families throughout Imperial Beach who are out every weekend riding their bikes, looking for clues on the Scavify app."West says the scavenger hunt is quite fun, and you might call it "The Amazing Race," Imperial Beach style"It is very similar, but we don't quite go to the extremes they do. It is very fun and a lot about solving problems. I mean there are questions on there like where is the oldest house in IB?" says West.Family fun is what it's all about, especially during the COVID-19 pandemic. "We wanted to provide something for our community that could get them out as a family, and enjoy the outdoors. They can also learn about their community, and see the art we have done," West says. 1461