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CARLSBAD, Calif. (KGTV) -- Border Patrol and the Coast Guard are investigating after a Panga Boat washed ashore in North County Monday morning. According to agents, the 18-foot-long boat was found early Monday morning on Tamarack State Beach in Carlsbad. Agents discovered several life jackets and gas cans inside the vessel. RELATED: Possible human smuggling boat found in Del Mar beachMarkings on the boat indicate it may have come from Ensenada, but Border Patrol hasn’t confirmed that information. It’s unclear at this time how many people were aboard the boat. 574

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

CHAPEL HILL, N.C. - This week, we've heard promises surrounding treatment and vaccines related to COVID-19.Now, doctors at the University of North Carolina (UNC) are using next-generation genetic sequencing of the virus causing COVID-19 that can help testing and therapeutics.Dr. Dirk Dittmer, professor of microbiology and immunology at the UNC School of Medicine, has kept a close eye on COVID-19.“We know now more about this virus than any other virus before,” Dittmer told News 3. “The team has been working 24/7 ever since we had the first cases in March.”He and others are looking at how next-generation genetic sequencing can help with tracking mutations of the virus.“What we were looking at using next-generation technology is if the virus changes, who is the first person that had the virus in North Carolina? And, as we accumulated more and more cases, were these the same types of viruses we're seeing anywhere else in the world,” Dittmer said. “Very early on, we were able to show that one of the mutations that have been around in Europe was actually coming to the U.S.”The state-funded study shows this sequencing can help with the accuracy of diagnostic testing and vaccine effectiveness.“We wanted to make sure that the tests that were developed very early on would still work now and next year. The takeaway is they still work,” he said. “One of the worries that people have is that the virus might change, and therefore, today's vaccine might not work next year.”“Studies like this are part of the ongoing quality control and safety monitoring for vaccines,” Dittmer added.News 3 medical expert Dr. Ryan Light said this sequencing can help in the fight against the virus.“We can tell if it's changed a little bit, we can tell where that virus is coming from,” Light said. “It tells us where the outbreak is coming from, where the danger areas are, and it tells us that our therapies are still working.Meanwhile, Dittmer's lab will continue using this sequencing to track the virus through the end of the year.“We're just a little piece of the puzzle that helps every one to get rid of this thing,” he said.This story was first reported by Zak Dahlheimer at WTKR in Norfolk, Virginia. 2211

Charges are forthcoming and this case will be prosecuted to the fullest extent- A hero in the form of a NYCT Platform Controller emerged in a split second, taking control without hesitation and held the suspect while at the same time getting aid to the victim ?? https://t.co/spOOaoeSeX— NYPD Transit (@NYPDTransit) November 19, 2020 341

CARLSBAD, Calif. (KGTV) — The Dooley family woke up Wednesday morning to some deflated holiday joy outside their home on Highland Drive."A lot of sadness. It really broke our heart, " said homeowner Gavin Dooley.A check of the surveillance video revealed the culprit. Just before 3 a.m., a black SUV pulls up next to their home, as someone emerges from the passenger side and climbs over their four-foot gate. Moments later, the person throws himself onto a large inflatable of a Santa and his fish taco truck.The scrooge tore through their yard, destroying all of their giant Christmas inflatables."Must have had a good pop on the first one. Second one, he jumps on it twice," said Dooley.That inflatable was a 9-foot tall television, reflecting the images of a projector from the movie "A Christmas Story." The vandal then tackles the final inflatable, which sported North Pole penguins.The end result: 0 dollars worth of inflatables destroyed."Pretty unrepairable. Just like a balloon, they’re popped. There's a huge tear in them," said Dooley.Dooley, who has three children, says his youngest -- his 9-year-old son -- was the most distraught.Also dismayed, some neighbors who bring their toddler girl to see the inflatables every day. That morning, she was nearly in tears."She kept saying, 'Porque? Why? Why would they do this?'" said Dooley.It’s a question Dooley has asked himself. Why? And why at the end of a tough year when holiday cheer is so needed."We were hoping Christmas decorations would bring a lot of joy to people. This turns that joy into sadness," said Dooley.Dooley would like to put up some smaller inflatables but is worried they could also be targeted.The family has filed a police report. Anyone with information on the case is asked to call Carlsbad Police at 760-931-2197. 1812

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