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The AARP launched new ads, demanding Congress take action to help older Americans to find affordable medication.It’s a problem David Mitchell is experiencing. He is fighting blood cancer, and treatment does not come cheap.“The drugs I use right now that are keeping me alive, keeping the cancer at bay, cost 0,000 a year,” he says. “That’s retail price.”Mitchell pays for expensive, supplemental insurance so he can afford his medicine, but the sticker shock for cancer medication became an awakening.“The experience as a cancer patient brought me face-to-face with a fundamental truth, and that is drugs don’t work if people can’t afford them,” Mitchell says. “And all over the country, people are struggling with high-drug costs. They’re cutting pills in half, they’re skipping doses, they go into debt, they declare bankruptcy.”David started an organization called Patients for Affordable Drugs. He’s on a mission to lower prescription prices. This week, he’s getting help from one of the largest nonprofits in the country.AARP launched a new campaign to pressure Congress not to make any changes to a bill they passed earlier this year that lowered drug costs for seniors.“AARP is saying absolutely not. This is wrong. We’re going to protect that deal that reduced costs for Medicare beneficiaries, and we’re not gonna give Pharma a billion bailout,” Mitchell says.Healthcare was a top issue during the midterm elections, and Mitchell hopes the new ads will put pressure on the new Congress to do more.“In the midterm elections, politicians ran on a promise to lower drug prices, and we believe that voters can Congress a mandate to do it,” Mitchell says. 1678

Thank you to all my friends and followers for all the prayers and kind wishes.I’m getting great care and feeling good.Recovering quickly and keeping up with everything.— Rudy W. Giuliani (@RudyGiuliani) December 7, 2020 227

That leased car gathering dust in your driveway might have hidden cash in it.Dealers facing tight inventories are scrambling to buy good used cars to resell. They might be willing to purchase your leased car for more than the buyout price in your contract.“I haven’t seen used car prices go up this much in years,” says Oren Weintraub, president of car concierge service Authority Auto. “We are seeing a large percentage or leases with equity in them.”With the pandemic reshaping the car business, experts recommend extracting that equity by selling the car outright, using it to offset the cost of returning the car or leveraging that value to make a better deal on your next car.Where does the equity come from?Your lease payment is based on the residual value of your vehicle. This is a prediction of the car’s value at the end of the lease which, because of the pandemic, is now often too low.This means you might be able to arrange to sell the car for the higher price, pay off the lease and then pocket the difference. It also means you could dodge over-mileage penalties or end the lease early.For example, Scot Hall of the lease-trading site Swapalease said his wife has been working from home during the pandemic and decided she didn’t need her leased 2017 GMC Yukon Denali XL. She ended her lease six months early — saving the remaining monthly payments — and sold her SUV to a local dealer, pocketing a check for ,500.Know where you standHere’s how to know if you have equity in your leased car:Find the residual value in your lease contract. This is the amount you can buy the car for at the end of the lease (there might also be a disposition fee for this transaction).Get today’s buyout price. If you want to end your lease early, call the lease holder and ask for a current buyout price. Hall says you can usually estimate this price by simply adding the total of all the remaining payments to the residual value.Look up the current market value. Use an online pricing guide, such as Edmunds.com, to find the trade-in value of your car, factoring in the current mileage, options and condition. If you’re thinking of selling your car to a neighbor, look for the private party price. Or you can get a nearly instant cash offer from a local dealer, Carmax or an online car retailer such as Carvana, Shift or Vroom. Give real-world offers more weight in your calculations.Do the math. Subtract the residual value from the current market price or cash offer. This is an estimate of how much equity you have in the car and how much money you could make on the deal.Find opportunity in a volatile marketOnce you know if you are in a positive equity position, you can explore different ways to use this potential value. Here are options to consider:Buy the car yourself. If you do this, you’re essentially getting a good used car at below-market price. Also, you know the history of your car, so there are no surprises. Many lenders that refinance auto loans also offer lease buyouts.Sell your leased car privately. In many states, you can buy the car and transfer it to a new owner within a certain number of days without paying sales tax yourself. Be sure to check with the DMV in your state before you make a deal.Trade in the car to a dealer. If you decide you want another car, you could sell your leased car outright first and then plunk down the cash on the new ride. But trading it in could save you a considerable amount of sales tax.Sell your vehicle to an online service or a local dealer. Carvana, Shift and Vroom will pick up the vehicle and do all the paperwork. However, Carvana says it will not accept leased cars as trade-ins.Return your lease without penaltiesKnowing there is equity in your car puts you in a stronger position when you return your leased vehicle.For example, Weintraub had a client who was ready to return a leased car with excess mileage and minor body damage. Because of the equity in the vehicle, Weintraub convinced the dealer to waive the 0 disposition fee, the excess mileage penalty and wear and tear charges.Should you be facing those kinds of costs as the end of your lease approaches, the time spent getting buyout offers is not only a bargaining tool, but it also offers other options to try if the leasing company doesn’t play ball.More From NerdWalletClass of 2019 Borrowed Less, Report FindsHow to Handle College Loan Debt as an Unemployed Recent GradMore Grads Are Going Back to School: Should You?Philip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 4559

TERRE HAUTE, Ind. (AP) — The United States has carried out its second federal execution this week, killing by lethal injection a Kansas man whose lawyers contended he had dementia. Wesley Ira Purkey was put to death Thursday at a prison in Terre Haute, Indiana. Purkey was convicted of kidnapping and killing a girl in Missouri and dismembering her body. He expressed remorse before his execution, saying he regretted the “pain and suffering” he caused. The victim's father says he hopes Purkey “rots in hell.” The Supreme Court cleared the way for Purkey's execution to take place just hours before. Another man, Daniel Lewis Lee, was put to death Tuesday, ending a 17-year hiatus on federal executions. Lee's execution went forward after its own late-night Supreme Court ruling allowing it to happen. 811

Studies have shown that the coronavirus is more likely to spread between people indoors. With the weather beginning to turn, it's going to be more difficult to dine and congregate outdoors — and with many heading inside, Dr. Anthony Fauci, the nation's top infectious disease expert, warns that Americans need to be more vigilant than ever against the spread COVID-19.During an appearance at a Harvard Medical Panel on Thursday, Fauci warned that Americans will need to "hunker down" during what will be a "difficult" fall and winter if the country wants to avoid another spike in COVID-19 cases."I just think we need to hunker down and get through this fall and winter," Fauci said. "Because it's not going to be easy. We know every time we restrict, we lift restrictions we get a blip. I mean, it's getting whack-a-mole."Fauci added that he's not looking forward to the coming months, adding that it's "quite frankly depressing." But he said that it's essential for Americans to keep their guards up."Don't ever, ever underestimate the potential of the pandemic. And don't try and look at the rosy side of things," Fauci said.During Thursday's panel, Fauci and the event's host, Dr. Sanjay Gupta, described five steps Americans could take over next month and half that would significantly reduce the spread of COVID-19.Wear a maskKeep social distanceAvoid large gatheringsConsistent handwashingA shutdown of bars and similar businesses — while allowing outdoor seating"As long as you have any member of society and demographic group that's not trying to get to the end game of suppressing this, it will continue to smolder and smolder and smolder."Despite the concerns about a winter spike, Fauci says he doesn't believe that the U.S. will need to go into another shutdown, adding that the country would need to pull together to keep transmission levels down."I am cautiously optimistic. I do have an abiding faith in the American spirit," Fauci said. 1961