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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

IMPERIAL BEACH (KGTV) - Medical examiners identified the body found floating off-shore in Imperial Beach as 29-year-old Zabiullah Rahmani.Rahmani leaves behind a wife of nearly ten years and two 7-year-old twin daughters. Ramzia Rahmani tells 10News, "I can say it was horrible and it still is." Less than a week since she lost her husband and the feelings are still raw, "The fire is burning in my chest whenever I see my girls ask about their father. It'ss too hard to face their questions, it's hard to answer their questions about their dad."She tells 10News, her husband left Saturday night to hangout with friends down in Imperial Beach. She says he was planning to be home for midnight but the hours after turned into Monday, "The doorbell rang and I saw there was two police officers and I felt bad. I thought maybe something happened to my husband." Thinking something bad but never imagining it would end up being her worst nightmare, "It's hard for me to believe hes not with me anymore." Thankfully she has support from family members like Zabi's cousin, "I'll try my best to be like a father to Zabi's kids and treat them the same way I treat my kids." A GoFundMe page has been set up for the family as they try to put together the pieces from here, "When we left Afghanistan he was like, we are going to have a bright future over there." Now, rebuilding that future without their husband and father. 1422

In a stunning announcement to those in preparing to embark into medical school, New York University announced it would offer free tuition to all NYU medical program students — current and future.The reveal came during NYU School of Medicine's annual "White Coat Ceremony," where each new student is presented with a white lab coat to mark the start of their medical education and training.The bold offering is available to all current and future students in NYU's MD degree program, "regardless of need or merit.""Thanks to the extraordinary generosity of our trustees, alumni, and friends, our hope — and expectation — is that by making medical school accessible to a broader range of applicants, we will be a catalyst for transforming medical education nationwide," Kenneth G. Langone, Chair of the Board of Trustees of NYU Langone Health, said.The annual tuition costs covered by the scholarship is about ,000.NYU's free tuition initiative began with an endowment. So far, the university has raised more than 0 million of the roughly 0 million needed to fund full-tuition scholarships for all medical students "in perpetuity," according to ABC News.Crushing college debt strikes medical students particularly hard.About 75 percent of all doctors in the U.S. graduated with debt in 2017, the university said. The average cost for a private medical school is about ,605 a year. The median debt of a graduating student comes out to more about 2,000, NYU says."We believe that with our tuition-free initiative, we have taken a necessary, rational step that addresses a critical need to train the most talented physicians, unencumbered by crushing debt," said Robert I. Grossman, the Saul J. Farber Dean of NYU School of Medicine. "We hope that many other academic medical centers will soon choose to join us on this path." 1874

IMPERIAL BEACH, Calif. (KGTV) — Though it stands nearly 20-feet tall, The Spirit of Imperial Beach eludes some residents.  The 18-foot tall statue of a bronze surfer holding a longboard at his side stands tall just north of Imperial Beach Pier. At the foot of the statue, two children building sandcastles.The statue, designed by artist A. Wasil, was dedicated on Jan. 3, 2009, and aims to honor the IB community's cherished surfing and sandcastle history.Many consider IB one of the birthplaces of surfing.SURFINGImperial Beach has continued to provide both challenging and easy-going waves for surfers. Not only those who take to the waves, but those who design and shape boards have called IB home.According to the city, pioneers of surfing came to the Tijuana Sloughs as early as 1937 to shape their sport. While at times the waters in IB close to Mexico are in no condition to swim, the city remains proud of its place in surfing history.Not only does the statue commemorate surfing culture, but IB's outdoor surfboard museum also honors 25 prominent surfboard shapers, nine of which are local.SAND CASTLESSandcastles played a prominent role at Imperial Beach for more than 30 years. Castles, sea animals, and more were carefully crafted on the shoreline during the U.S. Open Sandcastle Competition.The event was canceled in 2011, due to increasing costs and a lack of volunteers.This gave rise to IB's Sun & Sea Festival, which has given a home for sand sculptors to continue their creative work. 1554

In a Tuesday morning tweet, President Donald Trump pushed an unfounded conspiracy theory suggesting a 75-year-old protester in Buffalo who was pushed to the ground by police was an "ANTIFA provocateur."In the tweet, Trump claimed 75-year-old Martin Gugino, "was pushed away after appearing to scan police communications in order to black out the equipment."Trump claimed his information came from One America News Network, a conservative news channel known for its favorable coverage of the president. He did not provide a link or a video of the report.Gugino remains in serious but stable condition at Erie County Medical Center. Gugino was part of a group protesting outside of Buffalo's City on Thursday against police brutality in the wake of George Floyd's death. Video from the scene shows police in riot gear shove Gugino out of the way. When an officer offers help him up, another officer appeared to chastise him for doing so. 943