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In a survey of 1,250 Americans who have a full-time job, 51% of millennials and 60% of those in Gen Z, say that the pandemic could cause them to delay their retirement. The survey was commissioned by Broadridge Financial Solutions.Millennials also were more likely to modify their retirement plan due to the pandemic. But older age groups were much more likely to adjust their reoccurring expenses and to withdraw from an emergency fund."Now more than ever employees are reliant on their employers to provide them with the proper tools and resources to meet their financial goals," said Cindy Dash, Senior Vice President at Matrix Financial Solutions, a Broadridge company. "What's very interesting is that two-thirds of respondents said they would leave their job if an employer took away a financial wellness benefit that is important to them. In navigating the aftermath of the pandemic, employers are going to face increased pressure to provide enhanced financial wellness benefits, especially if they reduced their offerings during the pandemic. If not, they will risk losing their valued employees." 1113

HOUSTON (AP) — An appeals court has refused to allow the Trump administration to continue detaining immigrant children in hotel rooms before expelling them under rules adopted during the coronavirus pandemic. The 9th U.S. Circuit Court of Appeals on Sunday upheld a lower court’s order that would have required the U.S. to stop using hotels. Border agencies since March have held more than 600 children in hotel rooms before expelling them from the country without a chance to request asylum or other immigration protections. 533

If you’ve been thinking about buying a car, experts say now is the time to shop. Dealers are offering more incentives than ever before to get drivers back on the road, and because of the coronavirus, you can stay home and find a good deal.“It’s the way the world is going now,” said recent car buyer, Stephanie Given. “Everything’s online.”Given is an ICU nurse working on the frontline of the pandemic, and in the midst of the health crisis, badly needed a new car.“We needed that second vehicle, the more reliable vehicle that we knew would be reliable in this time,” said Given.Her nearly 15-year-old ride was giving out, but, walking in to a dealership made Given anxious. “I have been under a little stress in my work life and personal life, and I was kind of dreading the stress of buying a car,” she said.So, she started her search online. “I found the car online through the Carmax app, and I was kind of let down when I saw the car was in Las Vegas, and it was just a couple seconds and they said, ‘We can ship it to you,’ and I said, ‘What? That’s amazing!’” said Given. Not only did she find the car she was looking for online, she did all the paperwork at home. “I kind of had a hybrid experience. I did my part online and then came to the dealership to pick up and take possession of the car,” she said.Given’s experience is now becoming the norm. Dealers are making it possible to do everything, from shopping to financing, from your couch. Some dealers, like Carmax, will even drop off the car at your door.“We want to take the scary four-hour dealership visit that you’d expect, and allow you to do as many things as you want at home,” said Corey Haire, the Vice President of sales at Carmax.“You can do everything from a virtual walk around where they’ll walk around the vehicle with a facetime phone call and take direction from the consumer as to what they want to look closer at,” said Karl Brauer, an Executive Publisher at Kelley Blue Book and Autotrader.Brauer believes this new way of doing business is here to stay. “I think it’s proving more efficient on both sides,” he said.Brauer said the car industry is expecting to see a big bounce back through the summer and fall. “People are moving into more confident, purchasing mindsets,” he said.According to Brauer, new car sales are down by about 31% compared to spring 2019, but used car sales haven’t taken such a hit—down only about 6%.“I think there are a lot of people are thinking maybe they want their own personal vehicle in lieu of public transportation, but these people aren’t buying a car because they’ve dreamed of one or have wanted one, this is purely for functional purposes,” said Brauer.So if you’re looking for a deal, Brauer said the first step is research, and then, look for combined offers.“We’ve seen deals for 0% financing, which were getting pretty rare recently. We’ve seen deals like deferred payments for three to four months, but we’ve hardly ever seen both of those at the same time,” said Brauer. Some dealers are offering longer term loans too. “If you’re looking at a new vehicle, and one of these 0% 72 or 84-month loans are available to you, that’s real money you’re saving over that kind of time,” he said.If you want the new car smell without the new car price, check out a 2019 model. “They were going to be hard to sell anyways with the 2020 cars coming out, but now they’re even harder to sell with all the incentives going on for the new cars,” he said.Brauer reminds buyers that, with any purchase, make sure you’re financially ready. For Given, she said the car and the price were just right, and the online process sweetened the deal.“I do think it was a little bit of retail therapy. I did something for me during this time, and I needed to do that, but it also filled a need, so it was a win-win,” she said.Need help researching the best car for you? Visit resources HERE. For tips on the car buying process, click HERE. 3949

If you have any old Levi jeans lying around and don't want them anymore, Levi's will take them back.This week, the clothing company launched a denim buyback program through its recommerce website Levi's Secondhand. The way it works is you drop off used Levi’s jeans and denim jackets at participating stores and you'll receive a gift card in exchange.Your items will then be professionally cleaned and then listed on the Secondhand website, "keeping garments in use and out of landfills," Levi's stated on its website.According to Vogue, some of the clothing will be handpicked vintage items, but most will come directly from consumers. 644

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