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If you've ever wanted to see yourself as an animated bear, or just stop your older iPhone from slowing down, Apple has just the update for you.The company released its iOS 11.3 mobile operating system update on Thursday, which includes a laundry list of new features and fixes. It's the third major update for iOS 11 since it was released last summer, and the first to address one of Apple's biggest scandals. 417

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

House Democrats elected to keep their leaders in place on Wednesday, marking a win for the party's moderate wing.The party confirmed Wednesday that Rep. Nancy Pelosi, D-California, would continue to serve as Speaker of the House. Rep. Steny Hoyer, D-Maryland, will again serve as the House Majority Leader, Rep. James Clyburn, D-South Carolina, will continue to serve as the House Majority Whip, and Rep. Hakeem Jeffries will keep his role as the chairman of the House Democratic caucus.No other Democrats mounted serious challenges to current party leadership positions.Pelosi's upcoming term will mark her fourth as Speaker of the House. She previously served as speaking when Democrats held the majority in the House from 2007 to 2011, and she was elected as Speaker again when Dems won back control following the 2016 midterms.Though House Democrats will be working with a Democrat president in Joe Biden next term, serious questions remain about the future of the party.Democrats went into the 2020 election hoping to control both chambers of Congress and the White House — and plenty of polling suggested that they would do so. But Democrats lost seats in the House in the 2020 election, and the control of the Senate hinges on two January run-off elections in Georgia — meaning Biden could face significant challenges in getting his legislation passed. 1367

House Minority Leader Nancy Pelosi asked "Do the women get to talk around here?" during the White House dinner on Wednesday night over the Deferred Action for Childhood Arrivals program, according to a report in The Washington Post.The Post reported that during the dinner, Commerce Secretary Wilbur Ross asked the 11 people at the table -- including Pelosi, the only woman present -- what President Donald Trump got out of the deal made with Democrats on border security and DACA.As Pelosi tried to make her point that Trump would get support from Democrats on a variety of issues, the men at the table started talking over each other. 644

Housing and Urban Development Secretary Ben Carson detailed his wife's involvement Tuesday in picking out a dining room set for his office, telling a House subcommittee, "I left it with my wife."Carson said that his wife, Candy, selected "a style and a color" of the furniture set that ultimately cost HUD ,000."A style and a color was selected by her with the caveat that we were not happy with the pricing and they needed to find something," Carson told lawmakers.He went on to defend her, "If anybody knew my wife, they would realize how ridiculous this was. She's the most frugal person in the world."A HUD spokesperson had previously told CNN in a statement last month that "Mrs. Carson and the secretary had no awareness that the table was being purchased." Internal HUD emails indicated that the Carsons had picked out the furniture.Carson said Tuesday the issue of replacing the dining room set was raised "because people were being stuck by nails, the chairs collapsed with somebody sitting in it, it's 50 years old.""I said, 'OK, we can potentially do that.' I asked my wife also to help me with that," he told lawmakers."They showed us some catalogs. The prices were beyond what I wanted to pay. I made it clear that just didn't seem right to me. And, you know, I left it with my wife," he said.Carson argued that he wasn't concerned about the furniture because he had more important issues to handle as HUD secretary.Carson said he first heard of the ,000 price tag after it was reported and "immediately" canceled the order from the interior design firm Sebree and Associates in Baltimore, Maryland. He testified that the money spent on the dining set was returned to the US Treasury."I'm not really big into decorating. If it was up to me, my office would probably look like hospital waiting room," quipped Carson, who previously worked as a neurosurgeon.He said his wife is not involved in any other decisions regarding the purchasing of furniture for HUD.Carson was also asked about inconsistencies in the messaging from the agency regarding how involved he and his wife were in the process to purchase the dining set compared to what internal HUD emails indicate. The emails were released through a Freedom of Information Act request."There appears to be some contradiction in the record about your statements to the press indicating early on that you had no knowledge of this purchase," Rep. David Price, D-North Carolina, said to Carson.Carson denied he ever spoke directly to the press.When Price pointed to the statement that the HUD spokesman provided to CNN at the time, Carson distanced himself from his spokesman's comments."I would respectfully tell you what I said. I can tell you what I did. I do not intend to be responsible for what anybody else said," Carson said.Carson then said that the content of his statement made via Facebook?where he personally addressed the issue "is quite accurate." 2953

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