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Buying a designer dog is pricey, so now, people are turning to financing options to pay the high price tags. However, these financing options could come with even higher costs.That's what one woman, Victoria Caruth. came to learn. She fell in love with Duchess, a Yorkie.The dog came with a hefty price tag of ,600. Caruth couldn't afford it, but the pet store offered financing, so she accepted their offer.When Caruth got home with Duchess, her husband asked to see the paperwork.The paperwork revealed Caruth had agreed to lease her dog for two years with interest, paying almost triple the original price of the dog. 630

Campbell Soup has disavowed claims made by a company lobbyist that George Soros' foundation is assisting a caravan of migrants bound for the United States.In a tweet sent on Monday, Kelly Johnston, Campbell's vice president of government affairs, wrote that the Open Society Foundations has arranged for "troop carriers" and "rail cars" to support the caravan, which formed in Central America. Johnston's Twitter account has been deleted, and the tweet is no longer online. New York Times reporter Kenneth Vogel posted a screen grab of Johnston's tweet on Tuesday."The opinions Mr. Johnston expresses on Twitter are his individual views and do not represent the position of Campbell Soup Company," a company spokesperson said in a statement on Tuesday. 760

Carl Kasell, a fixture on NPR for more than 30 years on "Morning Edition" and later its quiz show "Wait Wait ... Don't Tell Me!," died Tuesday from complications from Alzheimer's disease. He was 84.Kasell began his career at NPR as a part-time employee on "All Things Considered" in the mid-1970s, then became the news announcer for the first broadcast of "Morning Edition" in 1979.In that role Kasell became one of public radio's most recognizable voices. Yet after years of being associated with breaking news, he had the opportunity to showcase a lighter side of himself starting in 1998 as judge and scorekeeper on "Wait Wait," hosted by Peter Sagal. An early prize for winners was to have Kasell record the outgoing message on their answering machine.In a statement, Sagal called him "the kindest, most decent person I have ever known," adding that after listening to him for years, "Hearing him say my name, that very first time, made me feel like I had somehow made it." Kasell became "scorekeeper emeritus" in 2014.Kasell's interest in radio began as a teenager, and that extended into his time at the University of North Carolina. He served in the military after college, returning to take a job at an all-news station. 1236

CARLSBAD, Calif. (KGTV) -- When it comes to business in Carlsbad, there is plenty of action -- as in action sports.Inside a building on Newton Drive, a profound change in sports technology is in full swing - after swing."It's a new era for sports information. I think analytics is going to take the game to the next level," said Roger Weingarth, President and CEO of Blast Motion.The company's technology uses a sensor that attaches to the end bat, as high-powered cameras record everything measurable, from bat speed to body rotation. That is a big edge in training athletes and a boon for coaches in search of data for recruiting.Among the company's customers: thousands of high school baseball programs and hundreds of college baseball and softball programs, along with nearly all Major League Baseball teams. For the last decade, Blast Motion has called Carlsbad home. The company has some 80 employees, most of them in Carlsbad. "Having this wonderful combination of education, engineering talent - as well as authentic athletes - is relevant and very important for our success here in Carlsbad. People are very active here, active in sports," said Weingarth.About five years ago, Chris Crawford was one of those athletes. He was a surfer who was tired of getting his car dirty. He invented a pressurized portable shower in his garage in Carlsbad, showed it off at the city's street fairs, before a Kickstarter campaign, viral video, and an appearance on the show Shark Tank helped lead his company Rinsekit to success. The company is one of more than 15 firms that helped turn Carlsbad into an action sports hub. Other companies include GoPro, Prana, Spy Optic and Reef."Carlsbad has a neat energy to it. There is a culture of thinking people that are smart that want to be here. They have access to capital and other resources all around," said Crawford.In all, the action sports business employs nearly 1,900 people in Carlsbad. Employment in that cluster is about 50 times the national average. In a recent 10-year stretch, some 1,700 patents were issued to action sports companies in Carlsbad. 2111

Buying a vehicle is a commitment even in the best of times. A down payment ties up a lot of ready cash. You make payments for 48, 60 or even 84 months. And worse, the car loses value as soon as you drive it off the lot, which means you may owe more than it’s worth for years.That’s not a great fit in this pandemic-driven recession, where flexibility and adequate emergency savings are keys to financial survival.Right now the answer to the lease-or-buy question “is a very big ‘yes,’ for leasing,” says Oren Weintraub, president of Authority Auto. He’s advising clients of his car-buying concierge service to at least consider leasing because of the current economic conditions.You can put little or no money down. You can select a shorter term than a car loan. And the risk of massive depreciation down the road is borne by the bank, not you.A lot of buyers are coming to the same conclusion: The percentage of buyers who use automakers’ finance arm and choose to lease has risen from 31% to 52% year over year, according to industry analyst J.D. Power.5 reasons leasing works nowNot everyone is a candidate for leasing. But here are five factors that could tip the decision toward leasing rather than buying your next vehicle.1. Leasing offers a shorter commitment. “No one knows what will happen over the next few years,” Weintraub says. “People are worried about job security and their finances so the commitment of a car purchase isn’t as appealing.” Instead, consumers are leaning toward leasing because there are affordable two- and three-year leasing agreements available. Also, points out Scot Hall of the lease-trading site Swapalease, leases are more flexible since the contract can easily be transferred to another person without a severe financial penalty.2. Leasing requires little upfront money. During the recent lockdowns, many people burned through their savings and had little cash left for a down payment for buying a car. But lease contracts can be initiated with little or no money down. Of course, a no-money-down monthly lease payment is higher, but some people still prefer it, Weintraub says. If monthly payments are still too high, it’s best to consider leasing a lower-priced car to stay in your budget.3. Low interest rates mean more affordable payments. Current lending rates are at a nearly seven-year low, according to auto site Edmunds, with many no-interest loans available. Weintraub says this substantially reduces the cost of monthly payments.4. Manufacturer incentives abound. Each month, carmakers offer incentives to make car purchases and leases more affordable. Weintraub says there are currently many of these low-cost leasing incentives available. That could change as sales rebound, though. To find deals, Hall recommends going to the manufacturer’s website and searching for special offers. The terms of the lease are spelled out by listing the three major elements of the contract:Monthly payment.Length of the lease in months.Amount due at signing, which is similar to a down payment.Lenders can adjust these factors and apply the cash incentives in a number of ways to arrive at a low lease payment, Hall says.5. Leasing protects against sudden depreciation. Leasing is based, in part, on the predicted value of the car at the end of the contract. But in today’s world, Weintraub says that no one truly knows what the car will be worth in three years. So if the value of the car unexpectedly drops, it’s the lender’s problem, not yours. If, however, the car’s value is unexpectedly high at the end of the lease, you have the option to buy the car yourself and can possibly make money by selling it.The basics on leasingTrying to get the best deal on a lease is different from negotiating to buy a car. Here are a few tactics that the experts recommend.Check pricing guides. Because of limited inventory caused by factory shutdowns, the price of some cars has risen, Weintraub says. Begin by checking car prices on sites such as Edmunds, TrueCar and Kelley Blue Book. But keep in mind that these are not real-world prices.Shop multiple dealerships. Get apples-to-apples lease quotes from at least three dealerships to find your best deal. Tell the dealer the amount you want to pay in drive-off fees, the length of the loan — three years is the “gold standard,” according to Hall — and the number of miles you want to drive. Based on this, the dealer will give you a monthly payment. Every part of the deal is negotiable.Cast a wide net. Car factories were closed during the shutdown, so choices may be limited for a few months. Some manufacturers’ websites allow you to search multiple dealerships to find the right model in your preferred color.Keep an eye on the miles. Understand how many miles of driving are included with the lease agreement. In most leases, 12,000 miles a year is standard. But recently, some leases include only 10,000 miles or fewer, but offer a lower monthly payment. Fewer miles and a lower payment might actually fit better for many people as working from home becomes the new normal, Hall says.More From NerdWalletStill Undecided About College This Fall? Know These 4 OptionsWhy We Name Our CarsA Student Loan Expert Takes Her Own AdvicePhilip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 5314

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