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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

Channing Tatum is releasing his first children's book called "The One and Only Sparkella."The actor announced the news along with a photo of himself with the book on Twitter."I don’t know about you but things got a little weird for me in quarantine," Tatum tweeted. "I locked myself in my daughter’s room & found my inner child. So this is what I created for my little girl. From what is, I guess, the little girl in me. Thx for reading. #Sparkella." 462

CHARLESTON, S.C. -- Ocean views, seafood and southern hospitality are what travelers can expect when visiting Charleston, South Carolina.“Charleston is a tourist destination," restaurant owner Eli Hyman said. "I think it’s one of the most beautiful cities in the world.”Multiple publications, including Conde Nast Traveler, have ranked it as the number one small city to visit in the U.S. Seventh generation Charlestonian Michael Trouche is an expert on tourism in the city. He’s the owner of Charleston Footprint Walking Tours.“We are unique to America," Trouche said. "We have so many things here that are appealing. We’ve got this magnificent, beautiful, well-preserved city in this large contiguous area of about four-square miles, this wonderful climate with all kinds of blooming gardens and trees. You’ve got Charleston right on the waterfront, right on the Atlantic Ocean… and of course... a great southern hospitality. Charleston has always been known as being a very friendly city, so people just love it. People keep coming here and they keep coming back.”However, the past eight months and counting have been a nightmare for business and restaurant owners like Eli Hyman of Hyman’s Seafood.“It’s kind of spooky quiet... it’s eerie," Hyman said. "Because normally these streets would be bustling in the fall. It’s beautiful weather.”Like most places across the country, the COVID-19 pandemic has hit the city hard. Robert Smith is the owner of a local marketing company called The Chart Group.“It almost was like overnight," Smith said. "First we heard about this virus overseas, and next thing you know we’re shutting our city down.”Considering the Chart Group offers video production and content creation for Charleston businesses, Smith depends on a thriving tourism industry. As everything shut down, his clients could no longer pay for his services. He too had to furlough employees.“Tourism within the last 30 or 40 years has become a major component," Trouche said. "It’s multi-millions of dollars in revenue for the city and for businesses and so it is a big player economically in Charleston.”Some businesses have closed forever and those that have survived had to let go of staff.“We had a staff of close to 200," Hyman said. "We’re down to about 130. We have a significant amount of them – about 40 or 45 – that have been with me for 15 years, so I have no choice but to keep my doors open. I’m going to do it for them.”Walking tours around the city only takes one person and Trouche says even that has been a struggle.“I typically give six day’s worth of tours and many times twice a day. I’ve gotten to the point where I may be giving two or three tours in an entire week.”Thankfully, there is hope. Business owners say tourism dollars are coming back as restrictions have been lifted and people are feeling more comfortable leaving home, especially on weekends. According to Erin Francis-Cummings, the president and CEO of Destination Analysts, research confirms that’s likely true.“Just last week when we surveyed American travelers, one in five said they felt like people in their personal networks were traveling more. They feel like they’ve observed that,” Francis-Cummings said.As we learn more about the virus and what can best protect us, Francis-Cummings says more people are feeling safe about traveling. However, if tourism businesses want to do well, she says they need to show that they care about the safety of their customers.“If they have the protocols in place and people feel safe, they will get business.”Francis-Cummings predicts there will be even more travelers once we have a vaccine. In the meantime, Robert says many are eager for another stimulus package from the government.“Helping these businesses through the pandemic and getting back on their feet in our opinion is the most important thing,” Smith said.Taking it day by day, business owners say they pray they’ll come out of this strong.“With God’s good grace we’ll get out of this soon," Hyman said. "Come to Charleston and come to visit.” 4054

CAPE CANAVERAL, Fla. (AP) — Brad Pitt, star of the new space movie "Ad Astra," had a burning question for a real-life astronaut."Who was more believable? Clooney or Pitt?"In a televised call Monday, NASA astronaut Nick Hague answered Pitt — "absolutely" — getting a big laugh. Pitt's Hollywood pal George Clooney starred in the 2013 space film "Gravity."Hague and the rest of the International Space Station crew previewed "Ad Astra" a few weeks ago. The movie opens Friday down here.Pitt portrays an astronaut who travels through the solar system to find his father. The film includes actual NASA shots of the moon and Mars."How'd we do? How was our zero-G?" Pitt asked from NASA headquarters in Washington."I got to tell you, it was really good," said Hague, six months into his own 6 ?-month mission. "The depictions, the settings all as you can tell look very similar to the type of setting I've got around me. I got to imagine it was a lot easier for me to kind of enjoy the zero-G than it was you," he added, flipping in weightlessness.Pitt noted the movie's spaceship was "a bit cleaner" than the station. After asking about spacewalking and seeing Earth from space, Pitt said, "Most important question: Who controls the jam box?" Answer: The astronauts take turns. With three Americans, two Russians and an Italian on board, the music has an "international flare," Hague said.The 20-minute chat ended with Pitt sharing, "I can't wait to brag to my kids."___The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute's Department of Science Education. The AP is solely responsible for all content. 1662

CHICAGO, Ill. - Chicago Mayor Lori Lightfoot has issued several restrictions within the city as COVID-19 cases spike.According to the Chicago Tribune, Illinois announced on Thursday that 4,942 new confirmed cases of COVID-19 were reported.Mayor Lightfoot took to Twitter on Thursday to announce that beginning Friday bars without food licenses are closed for indoor service, and non-essential businesses will be closed from 10 p.m. to 6 a.m. 450

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