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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) -- Authorities are asking for the public’s help identifying two women accused in a series of check frauds and commercial burglaries.On January 10, police say two women wearing scrubs targeted victims at several Bank of America locations in Carlsbad.The suspects reportedly asked victims in parking lots to cash checks for nearly ,000 promising to pay the victims for their help.After several days, the victims found out that the checks were returned as fraudulent.Investigators have determined that the total estimated loss was ,000.Anyone with information is asked to call the Carlsbad Police Department's Financial Crimes Unit at 760-931-2173 or Crime Stoppers at 888-580-8477. Crime Stoppers is offering up to a ,000 reward to anyone with information that leads to an arrest.  837

California fire officials released video on Wednesday of a July 26 incident where a fire of tornado the width of three football fields churned near Redding, killing a firefighter trying to evacuate residents in the path of the Carr Fire.According to the Sacramento Bee, the fire tornado was the equivalent of an EF-3 tornado, with winds of nearly 165 MPH. Winds from an EF-3 tornado would be enough to level well-constructed buildings. Add on the fact that the temperature of the tornado was 2,700 degrees, and the danger firefighters faced was extreme. Jeremy Stoke, 37, was killed by the massive fire tornado. Stoke was a fire inspector, who was in his pickup truck at the time of the incident. 719

CARLSBAD, Calif. (KGTV) -- Police in Carlsbad are investigating following an apparent murder-suicide Tuesday afternoon.Police were contacted by the family of a man who reportedly said he had killed his wife around noon Tuesday.Investigators discovered that the man was driving around the southern part of Carlsbad in his car.When officers found the vehicle they discovered a deceased 89-year-old passenger and a deceased 92-year-old driver inside.At this time, the circumstances surrounding the incident are unclear. Police say the Medical Examiner will release the identities. 585

Buyers beware! Sometimes when you spot a good makeup deal, it's too good to be true.The Los Angeles Police Department says it confiscated counterfeit makeup that tested positive for high levels of bacteria and animal waste.The department seized 0,000 worth of bootleg cosmetics on Thursday after raiding 21 locations in Santee Alley, a Los Angeles fashion district, said LAPD Capt. Marc Reina."Those feces will just basically somehow get mixed into the product they're manufacturing in their garage or in their bathroom -- wherever they're manufacturing this stuff," Detective Rick Ishitani told?CNN affiliate KABC.One of the brands being knocked off was Kylie Jenner's Kylie Cosmetics.?Kim Kardashian West, Jenner's sister, took to Twitter to respond to the raid:"Counterfeit Kylie lip kits seized in LAPD raid test positive for feces. SO GROSS! Never buy counterfeit products!"Other prominent makeup brands that were faked included Urban Decay, MAC and NARS.The LAPD was tipped off by the brand-name companies, which received complaints from consumers who said they had rashes and bumps after using their products. The complainants had one thing in common: They bought the product in the Los Angeles fashion district.The packaging of the bogus products looks like the real deal, but the prices are way too low."If you're getting something that's 50% off, 75% off, it tells you that it's bad," Ishitani said.Police arrested the owners at six of the raided locations, and the other operations received cease-and-desist orders, according to CNN Affiliates KABC. 1576