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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

In a typical year, you might expect to see holiday decor start to crowd out the Halloween candy around mid-October. But in 2020, the holiday shopping season has felt like it started even earlier due to the changes brought about by the pandemic.Social distancing concerns have forced retailers to rethink their promotional plans, and Amazon’s rescheduled Prime Day in mid-October kicked off the seasonal incentives to shop early and often.So far it seems to have worked: Plenty of people have gotten a head start on their holiday shopping this year. Forty-two percent of holiday shoppers said they started earlier this year than they normally do, according to a November survey from the National Retail Federation and Prosper Insights & Analytics.The survey also found that 59% of holiday shoppers had already started making purchases well ahead of Black Friday. Compare that to 10 years ago, when only 38% of respondents had already gotten a running start in early November.As the holiday stretches out into a multi-month marathon, will Black Friday matter this year? Well, sort of. The holiday isn’t going anywhere—and stores won’t let you forget about it. But it’s going to look a lot different in 2020.1. Black Friday Won’t Start on Thanksgiving DayIn recent years, retailers were kicking off Black Friday by starting in-store sales nearly 24 hours early: on Thanksgiving Day itself. But pandemic concerns may have put an abrupt end to this trend.Major retailers like Kohl’s, Dick’s Sporting Goods, and Target announced as early as July that they would break their traditions of opening stores early for Black Friday and simply stay closed on Thanksgiving Day.“Let’s face it: Historically, deal hunting and holiday shopping can mean crowded events, and this isn’t a year for crowds,” Target said in a blog post outlining its holiday plans.Walmart will also be closed on Thanksgiving Day, opting instead to keep regular Wednesday hours, then reopen at 5 a.m. on Friday. It’s the first time the retail giant has opted against Thanksgiving Day hours since the 1980s.Experts say people will still shop on Thanksgiving, but will do so online. “After the pumpkin pie, they’ll go to the couch with their computer and that’s where they’ll start their Black Friday shopping,” said Rod Sides, vice chairman and U.S. leader of retail and distribution at Deloitte.Although stores may keep their locations closed or limit their hours on Thanksgiving, their websites are always open, meaning a company can still pull in revenue that day without incurring the cost of staffing stores. Retailers have seen a huge increase in online sales, after years of declining foot traffic in stores, so cutting Thanksgiving Day hours is unlikely to be a huge stretch even without coronavirus concerns.“The pandemic has made that choice [to close] a lot easier,” said Seth Basham, a retail analyst at Wedbush Securities.2. Some Retailers Are Rejecting Black FridayFor some retailers, going against the Black Friday grain is a big part of company culture.Outdoor retailer REI will be closed on Black Friday for the sixth year in a row in 2020. The co-op’s “Opt Outside” campaign closes its stores, distribution centers and call centers on Black Friday in an effort to encourage people to spend the day outside with family and friends instead of shopping.But while REI was once the outlier, it may have some company this year. Ecommerce footwear brand Allbirds will actually raise prices on Black Friday, increasing the price for every item on its website by with the spare buck going toward organizations mitigating climate change.Even stores you might not immediately think of for Black Friday savings are changing things up this year. California grocery store chain Gelson’s announced it will have reduced hours on Thanksgiving, then be closed all day on Nov. 27 to acknowledge employees’ response to the pandemic.3. Doorbusters Are DoneForget waking up at 4 a.m. to be first in line for a great deal on Black Friday. The doorbuster deal, which offers a low price for a period of just a few hours, is a thing of the past.“There will be less emphasis on doorbuster-type offers this year, because social distancing makes it harder to queue up,” said Sides. There will still be limited-time or limited-quantity offers for some sale items, but Sides expects fewer people will feel compelled to line up to access deals. Deloitte’s research shows that people are planning to start shopping later in the day if they venture out on Black Friday.Instead, retailers are encouraging people to shop during far wider discounting windows. Macy’s, for example, is promoting “All-day specials” on Black Friday, while Best Buy’s newspaper ad for Black Friday sales notes which prices are available starting on Sunday, Nov. 22, Thanksgiving Day (online) or Nov. 28.4. Deals Are Everywhere, All The TimeWhy wait for Black Friday to shop when there’s a sale around every corner?By November 10—just 10 days into what Adobe considers the start of the holiday season, .7 billion had been spent online—21% higher than the same period in 2019.Retailers of all sizes have rethought how they will present holiday discounts this year. Walmart, for one, is breaking its usual Black Friday deals into “Black Friday Deals for Days,” rolling out sale prices at regular intervals during the entire month of November rather than wait until Nov. 27. On days when stores open early to offer in-store savings, customers will need to wait in a socially-distanced line and employees will limit the number of people who can enter.But before the pandemic, holiday shopping was already spreading out over the long Thanksgiving weekend instead of being concentrated on Black Friday. Now, the holiday shopping season has given rise to Small Business Saturday for supporting local shops and Cyber Monday for online shopping, plus big days like Green Monday (the second Monday of December), Free Shipping Day (usually around December 15) and Super Saturday (the last Saturday before Christmas).If every day is a shopping holiday, the need to cram all your shopping into Black Friday feels unnecessary.Read more: How To Budget For Holiday Shopping When The Season Is Now Twice As LongThe Name Will Remain, Even if Black Friday’s Luster FadesIt’s not impossible for Black Friday to have a post-pandemic rebound, Sides said, but the impact of the day has already waned.“We all like the hustle and bustle a little bit, but folks have figured out they don’t need additional stress” during the holidays, Sides said. There are just as many sales taking place online as there are in stores, and not everyone who goes to their local store is actually shopping on the spot—many will choose to buy online, pick up in-store or via curbside.Basham predicted that we won’t see as much of a peak in revenue during the five-day period over Thanksgiving weekend—even for online purchases. This has already been evident with other holidays in this pandemic-adjusted year: Labor Day purchases usually concentrated into a week or less were spread out over a three-week period, Basham said. By giving shoppers a longer period of time to snag a deal, it helps retailers manage demand around those high-excitement times.And that excitement will still drive consumers. “They want a call to action,” Basham said. While the right price may be the thing that convinces a shopper to make the purchase at that moment, they still need cues on the calendar to know when to start looking for those discounts. 7523

Icelandair Group has announced plans to buy rival budget airline WOW air for about million, the company announced Monday.WOW air was previously a competitor to Icelandair as it boasted flights as low as , making it an attractive option for budget travelers.The two flight carriers will continue to operate under their different brand names.  376

If you're feeling a little — or maybe a lot — stressed about the election, you are by no means alone.That's the conclusion of a variety of surveys, which show that a majority of Americans are concerned about violence breaking out from supporters of whoever loses the presidential election, no matter who that is. However, there are ways to reduce election-related anxiety, and they're rooted in acting in one's own best interest, and in self-control, according to experts.The situation is exemplified by clashes seen over the weekend.In Times Square on Sunday, demonstrators in support of President Donald Trump and former Vice President Joe Biden clashed physically. Police separated the two sides and took a handful of people into custody.There were other such encounters, as well, many of which were posted online.The incidents, along with worries about the accurate vote count, the Postal Service properly doing its job on mail-in voting, long lines to cast a ballot, COVID-19 affecting ability to turn out to vote, and any number of other concerns, all add up to create a stressful election season.Experts who analyze election-related security issues agree.Gloria Browne-Marshall is a constitutional law professor at John Jay College, and author of "She Took Justice" and The Voting Rights War, both of which deal with challenges to voting."Because there have been so many uprisings of militia groups, and so many of these different tactics being used to disrupt protesters," Browne-Marshall said, "people are afraid that those entities are going to come out.""If [groups that are willing to do harm] see that they're losing the election, or their candidate is losing the election," Browne-Marshall continued, "they might come out to intimidate voters."Doron Kempel is a security expert, former Israeli Army commander, and founder of the personal security app Bond. He said that he's well aware of the anxiety that voters have."People feel so tense about what may occur, irrespective of whether you're on this or that side of the aisle," Kempel said in a Zoom interview. "Everybody's concerned that whatever happens, people are going to be upset, and are going to get emotional, and maybe there's going to be a little bit of violence."Polling bears that out.Earlier this month, a YouGov / Braver Angels national poll showed that a majority – 56% of people agreed or strongly agree with the following statement: "America will see an increase in violence as a result of the election."That’s far higher than the 11% who disagree or strongly disagree. Thirty-three percent of people polled said they neither agree nor disagree.The numbers indicate that more people are stressed than not.Research shows that there are ways to manage the tension and even turn it into action that's positive and protective."They should all have a voting plan," Browne-Marshall said, as she listed some ways people can reduce anxiety, by foiling any attempts to suppress voting. "And if things get disrupted by violence in the [voting] line, then don't wait till the last minute. Vote early if you can, in whatever state, vote in the way that's safest," she said.Kempel, the security expert, also said that there are measures that all voters can take to protect themselves during election season.First and foremost, said Kempel, there's reason to be more optimistic about the social and political climate, despite the fact that there's great tension."I don't think that Americans, in general, want to hurt each other," Kempel said. "So the fact that somebody's very upset, and is shouting, even is getting too close to somebody else's nose, and is being very vocal, that does not mean that he or she wants to hurt their counterpart.""Which means for all of us," he continued, "if we manage our egos, and we manage our emotions, there will not be violence."Dr. Steven Stosny is a psychologist who specializes in emotional issues and couples therapy. He coined the term election stress disorder, or ESD, and said that people in our region are experiencing it strongly.To counter it, said Stosny, "The most important thing you can do is connect with your family, your friends, people you love, even if you have to do it by Zoom.""If you're living with someone whom you love, hug that person six times a day," Stosny said. "That gives you a hormone that naturally regulates anxiety, makes you feel close, more trusting.""The second biggest thing," Stosny continued, "is exercise. That's the great reliever of stress. Walking 30 minutes a day has been shown to be as effective for many people as anti-anxiety agents and antidepressants, with none of the side effects, and lots of benefits."This story was reported by James Ford at WPIX in New York, New York. 4742

In an interview with Axios, which aired Monday night, President Donald Trump said he again believes that his administration has the coronavirus pandemic "under control," despite the fact that deaths linked to the virus are currently on the rise throughout the country.When Axios reporter Jonathan Swan pointed out to Trump that deaths are on the rise, Trump said it's as "under control as much as you can control it.""(Americans) are dying, that's true, and it is what it is," Trump said. "But that doesn't mean we aren't doing everything we can. It's under control, as much as you can control it. This is a horrible plague that beset us."Trump also reiterated the false claim that virus cases are on the rise in the U.S. solely because the country is doing more testing than any other country."Because we're so much better at testing that any other country in the world, we show more cases," Trump said.While the U.S. is conducting more tests than any other country, other statistics, like hospitalizations linked to the virus and deaths linked to the virus, are currently on the rise. In addition, Johns Hopkins reports that 7.7 percent of all COVID-19 tests in the U.S. are coming back positive — in South Korea, the positive test rate currently sits at 0.9 percent.Trump also attempted to prove through statistics that the United States' mortality rate was among the best in the world. He handed Swan a piece of paper that showed the U.S. mortality rate was falling among a proportion of confirmed cases.Swan then pointed out that the United States ranked among the worst in the world when viewing COVID-19 deaths as a proportion of the population."You can't do that," Trump said.Trump also stated in the interview that some experts have said that "you can test too much." When asked who was saying that, Trump told Swan to "read the manuals, read the books."None of Trump's top health experts have publicly advocated for less testing. Earlier this year, Dr. Anthony Fauci and several other coronavirus task force members said during a House hearing that they had not been directed to "slow down" testing, and said it was the administration's goal to conduct more testing.During that same interview, Trump also told Swan that he "wasn't sure" how history would view the legacy of Rep. John Lewis. 2308