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Buoyed by Pfizer's promising update on a potential COVID-19 vaccine and Saturday's presidential election call, U.S. markets skyrocketed on Monday morning as investors eyed the light at the end of the pandemic tunnel.The Dow Jones Industrial Average jumped more than 1,300 points in the moments after trading opened, an increase of about 5%. The NASDAQ saw an increase of about 150 points, or about 1%, while the S&P 500 jumped 120 points or about 3%.The Dow closed Monday at 29,157, which is up nearly 3% from Friday's close. The Dow has almost made a full recovery from its February 12 high point of 29,551. The jump came hours after Pfizer announced that is COVID-19 vaccine candidate has been 90% effective so far in promoting protection against the virus in Phase 3 trials. While the announcement does not mean a vaccine is imminent — in fact, it could be more than six months before most Americans will have a chance to get the vaccine — it does mean Pfizer is on track to apply for Emergency Usa Authorization in the coming months.Pfizer's stock exploded in early trading Monday, jumping about 3 points or an increase of 8%.Monday continues what has been a roller coaster 2020 for American markets. After the pandemic led to historic drops in February and March, markets have rallied in recent months and erased most of those losses. Monday's gains have so fae wiped out loses from October, which were caused by Congress' decision not to pursue more COVID-19 stimulus before the end of the current legislative term. 1533

CAMP PENDLETON, Calif. (KGTV) — Lights, camera, action!Camp Pendleton service members and families were treated to a special visit Wednesday, as actor Mark Wahlberg, known for his support of military members behind the cameras, stopped in to visit.Wahlberg participated in a meet and greet at the base's Pacific View Exchange as part of a tour to visit service members and their families, according to the base.Video posted to Twitter by Camp Pendleton showed the actor mingling with the troops and signing autographs for families. 539

CAPE YORK, Australia – Australian scientists say they’ve discovered a massive new coral reef that’s taller than the Empire State Building.The scientists were aboard a research vessel exploring the sea when they found the detached structure in the Great Barrier Reef last week, according to a press release from the Schmidt Ocean Institute.The institute says the “blade-like” reef is the first to be discovered in over 120 years.On Sunday, the institute’s team conducted a dive using an underwater robot to explore the new reef and learned that it's more than 500 meters high, the base is about 1.5 kilometers wide and it rises to its shallowest depth of only 40 meters below the sea surface.The newly discovered reef adds to the seven other tall detached reefs found in the area since the late 1800s.“This unexpected discovery affirms that we continue to find unknown structures and new species in our ocean,” said Wendy Schmidt, co-founder of Schmidt Ocean Institute. “The state of our knowledge about what’s in the ocean has long been so limited. Thanks to new technologies that work as our eyes, ears and hands in the deep ocean, we have the capacity to explore like never before. New oceanscapes are opening to us, revealing the ecosystems and diverse life forms that share the planet with us.”This isn’t the institute’s first big discovery of the year, though. In April, scientists also discovered the longest recorded sea creature–a 45-meter siphonophore in Ningaloo Canyon, in addition to up to 30 new species.“To find a new half-a-kilometer tall reef in the offshore Cape York area of the well-recognized Great Barrier Reef shows how mysterious the world is just beyond our coastline,” said Dr. Jyotika Virmani, executive director of Schmidt Ocean Institute. “This powerful combination of mapping data and underwater imagery will be used to understand this new reef and its role within the incredible Great Barrier Reef World Heritage Area.” 1957

Carrie Underwood silenced any questions about her readiness to return to the spotlight in perhaps one of the most anticipated performances of the 53rd annual Academy of Country Music Awards.PHOTOS: See red carpet arrivals from the 53rd annual Academy of Country Music AwardsUnderwood has been largely missing from the mainstream country music scene since a nasty fall at her Nashville home late in 2017. Just weeks after the Country Music Awards she fell down a set of stairs and later shared with fans that she had to have 40-50 stitches on her face. Adding some additional drama to her big return, Underwood did not walk the red carpet at this year's ACM Awards. ALSO: Sugarland dropping new track with Taylor Swift next weekWhile Underwood looked flawless onstage in a black and silver fringe dress, her vocals clearly dominated the moment as she belted out her new single, "Cry Pretty". GALLERY: TAKE A LOOK INSIDE THE 53RD ANNUAL ACADEMY OF COUNTRY MUSIC AWARDSShe got a standing ovation that went out for a measurable time inside the MGM Grand Arena as fellow country music performers and fans welcomed her back to the main stage. Fellow singer and winner of three ACM Awards Miranda Lambert touched on Underwood's performance backstage after winning Female Vocalist of the Year."It makes me proud to be a woman in this industry when I see her stand up there and do that," Lambert said.  1431

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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