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CFD Units are currently on scene in the 9500 Block of David Taylor Dr; heavy flooding has lead to the evacuation of a Charter School; no injuries at this time; 143 persons have been rescued pic.twitter.com/ltDWL2CF4F— Charlotte Fire Dept (@CharlotteFD) November 12, 2020 278

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

Carrie Underwood recently shared a photo of herself on social media rehearsing to gear up for her performance at the Academy of Country Music Awards.This will be her first performance since her nasty fall on the steps of her Nashville home in November. Underwood will be belting out her brand new single "Cry Pretty" released on April 11th.The return to the stage will be a big moment for one of the genre's leading female voices. She has stayed out of the public eye during much of her recovery. She told fans late last year that she required 40-50 stitches after the injury. Underwood is nominated for two ACM's this year: Female Vocalist of the Year and Vocal Event of the Year for her contributions to Keith Urban's "The Fighter".The ACMs air Sunday night live from Las Vegas at 7 p.m. CT.  817

Can you spot a fake?Some US Customs and Border Protection officers did -- in September, they intercepted a shipment of over over 9,000 counterfeit Nike sneakers in New York, the agency said in a news release.The shipment of shoes had come from China and was headed to California, when CBP officers inspected it at the Port of New York/Newark.They thought something looked off about the shoes, and submitted images to the CBP's Apparel Footwear and Textiles Center for Excellence and Expertise, the agency's trade experts.On Thursday, the agency concluded the shoes were counterfeit and seized them. Real versions of the sneakers would have been worth nearly .7 million, according to CBP."This significant seizure of counterfeit Nike sneakers illustrates Customs and Border Protection's continued commitment to protecting the American consumer against the proliferation of substandard and potentially unsafe counterfeit consumer goods," stated Troy Miller, Director of CBP's New York Field Office, said in a statement Tuesday.On a typical day in 2017, CBP seized .3 million worth of products with Intellectual Property Rights violations in a day, according to the agency."Enforcing Intellectual Property Rights laws is a CBP priority trade mission," said Miller. "We will continue to work closely with our trade and law enforcement partners to identify and seize counterfeit merchandise that could potentially harm US consumers and businesses." 1460

Buying a home can be nervewracking, especially if you’re a first-time home buyer. Not only is it probably the biggest purchase of your life, but the process is complicated and fraught with unfamiliar lingo and surprise expenses.To make the first-time home buying journey a little less stressful, NerdWallet has compiled these 25 tips to help you navigate the process more smoothly and save money. 404

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