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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

CARLSBAD, Calif. (KGTV) - California Pacific Airlines has canceled all of its January flights in and out of Carlsbad’s Palomar-McClellan Airport. The announcement came after the small airline had already canceled flights from December 21 through the end of the year. CPA launched in November with direct flights to Reno, Las Vegas, San Jose and Pheonix. It had been almost a decade in the making for founder Ted Vallas, who finally opened CPA after taking over a small airline with a fleet of four aging jets. But by December, the problems began. Two of the planes were taken out for repairs, creating several days of canceled flights. Operations resumed for about a week, but a few days before Christmas the cancellations began again causing passengers to scramble to find alternate routes. On Yelp, one reviewer wrote “They canceled my flight last night, and rebooked me to this morning. Then they canceled my flight this morning... on Christmas Eve!! Had to ditch this airline completely and booked a last minute Southwest flight.” Founder Ted Vallas told 10News that all canceled flights will be refunded. He said maintenance issues were still a lingering problem, but they ran into another issue as the holidays approached - a lack of pilots. Vallas said they recently let two of their pilots go. That coincided with two other crews leaving for higher paying seasonal jobs at major airlines. Without enough planes or pilots for all of their scheduled flights, they decided to cancel them across the board at Palomar-McClellan. Vallas told 10News, “Being a scheduled airline and dedicated to this community the North County, it would be better to notify people in advance that we have this pilot problem.” He said they are currently training more pilots and in the process of leasing new planes, but those won’t be available until at least February. Vallas says another one of their planes will be heading in for maintenance during their 30-day shutdown. Palomar-McClellan airport has had a history of failed airline ventures. The most recent was Cal Jet, which folded after less than a year of operations. But big changes are coming. Back in October, the county Board of Supervisors approved a plan to extend the runway, which could help make a business model for an airline more viable. For now, CPA continues to operate out of several other airports. Vallas vows to resume operations out of Carlsbad as soon as possible, but has not yet set a hard date. 2469

CHICAGO, Ill. – A new law in Illinois allows prosecutors to charge you with aggravated battery if you assault a retail worker who’s enforcing mask requirements.The enhancement is part of a bill that Gov. JB Pritzker signed into law to expand workplace protections and support essential workers during the COVID-19 pandemic.Senate Bill 471 adds a penalty for assaulting or battering a retail worker who is conveying public health guidance, such as requiring patrons to wear face-coverings or promoting social distancing.The bill amends Illinois’ criminal code and provides that battery of a merchant is aggravated battery, which is normally a felony in the state.“This provision sends the message that it’s vitally important for workers to be both respected and protected while serving on the frontlines,” the governor’s office wrote in a press release.The legislation comes after several reports of people attacking workers who ask them to wear masks, like a recent instance at a New Jersey Staples store.The law also increases paid disability leave for any injury that occurs after March 9, 2020 by 60 days for firefighters, law enforcement and paramedics whose recovery was hindered by COVID-19. 1205

CARSLBAD, Calif. (KGTV) -- If there's anyone in Carlsbad that knows food, it Cheri Poulos. Poulos is the founder of Carlsbad Food Tours, a tour that gives locals and tourists a taste of the city. Poulos has a blog where she writes about the best places to eat in the city. The food lover offers two different types of tours, one called the Taste of Carlsbad and one called the Indulgence Food tour. Private tours are also available. 10News went along with Poulos for one of the food tours. The first stop was at Gregorio's Italian Kitchen, known for giving back to the community. At one point, the restaurant donated all of their proceeds to the Boys and Girls Club. From Gregorio's the tour continued to Caldo Pomodoro, home to what some call the best garlic bread in the county. Portraits of Caldo Pomodoro's owners hang over the entrance of the restaurant. The restaurant's founders are a borther and sister duo, Fran and Gina. Fran was a Hollywood hairdresser and pictures of his clients adorn the walls of the restaurant. Fran has since passed away, his sister Gina now runs the restuarant. The tour also includes some stops at several sweet spots, including a gourmet donut shop called, The Goods. The Goods is the sister restaurant of Cafe Topes, a staple in town known for their cinnamon rolls. Both locations are run by the Barille family. The tour then continues to Gelato Love, a family-run gelato shop. The shop is owned by Paola Richard and her cousin, Christina. Gelato Love is the only shop in the entire country that doesn't use any added sugar, only sugar from the fruit itself. The tour also stops at other local favorites like Vigilucci's Gourmet Market, Witch Creek Winery and Humble Olive Oils. The tour operates daily, seven days a week. For more information on Carlsbad Food Tours, click here. 1826

Channing Tatum and Jenna Dewan Tatum announced Monday that they are separating after nearly nine years of marriage.The couple posted a joint statement to their respective Instagram pages."We have lovingly chosen to separate as a couple," the pair said. "We fell deeply in love so many years ago and have had a magical journey together. Absolutely nothing has changed about how much we love one another, but love is a beautiful adventure that is taking us on different paths for now."Their announcement also said that there are "no secrets nor salacious events" that led to the split.The couple first met while filming the 2006 movie "Step Up." They married in 2009 and have a young daughter together.Just last month, Tatum posted a photo of himself and Dewan Tatum to his Instagram with the caption, "When you fall asleep around a toddler."Dewan Tatum is currently the host of NBC's "World of Dance," and Tatum is set to voice the role of Migo in the upcoming animated film, "Smallfoot."CNN has reached out to their representatives for additional comment.  1069

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