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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

CHICAGO (AP) — Authorities say a Chicago man has been charged with murder after a fatal fight that began when he put his hands in Thanksgiving leftovers.James Dixon is charged with killing Vincell Jackson, who was the boyfriend of the Thanksgiving party host.A prosecutor says Jackson was trying to escort Dixon out of the Chicago house because he put his hands in leftovers around 3 a.m. Friday.The fight moved to the porch, where law enforcement says Jackson was stabbed at least nine times.Defense attorney Patrick Ryan says Dixon was properly defending himself.A judge set bond at 0,000. 602

CARLSBAD, Calif. (KGTV) - After Monday's arrest in the death of a Carlsbad woman found on a hiking trail, prosecutors must now decide whether to charge the teenage suspect as an adult.A 17-year-old teen from Carlsbad was booked on murder charges weeks after Lisa Thorborg, 68, was found stabbed to death along Hosp Grove Trail.Investigators tell ABC 10News police work led them to the teenager, before DNA evidence confirmed their suspicions. Former District Attorney turned criminal defense attorney Paul Pfingst says prosecutors must now decide whether the accused should be tried as an adult."An adult for a first-degree murder case can receive a 25 years-to-life sentence. A juvenile can only be kept until the age of 25," said Pfingst.A decade ago, Pfingst represented Heather D'Aoust. At the age of 14, she killed her mother with a claw hammer. D'Aoust was charged as an adult, pleaded guilty and was sentenced to 16 years to life.Pfingst says unlike in that case -- thanks to new state laws -- if prosecutors do charge the 17-year-old as an adult in the Carlsbad case, a judge will have the final say."The more dangerous that person is, they most likely they are to be charged as an adult," said Pfingst.Pfingst says the biggest factor is the crime itself."Is the act is such that it demonstrates such a wanton disregard for life and for people around them that the person needs too be confined?" said Pfingst.Pfingst says the background of the suspect will heavily scrutinized."Including whether they've been involved with gang activity, prior acts of violence, prior acts of rebellion," said Pfingst.Police in the Carlsbad case declined to say if the teen has a criminal history. Pfingst says the extensive background check is likely underway as prosecutors weigh their decision."What does the protection of community protection require? Longer incarceration or does it require juvenile attempts at rehabilitation?" said Pfingst.A detention is scheduled for Thursday in juvenile court. 2002

CARLSBAD, Calif. (KGTV) - A company in Carlsbad is doing its part to help the animals injured by wildfires in Australia.Oska Wellness has donated ten of its patented Oska Pulse devices to animal hospitals in New South Wales."I have a cat and a dog, my daughter has a snake, we're animal lovers," says Dr. Jeff Marksberry. "So anything you can do personally or as an organization, we're going to do."The device uses electromagnetic pulses to help realign the ionic charges within damaged cells. "All of your cells in your body have a plus/minus. They work with electronic properties," says Dr. Marksberry. "When someone's injured, when they have pain, when there's inflammation, those things all change, those properties..."We use the pulsed electromagnetic field to realign those charges to heal the cells."The Oska Pulse has been used on humans since 2015, but Dr. Marksberry says they know for a fact that it works on koalas as well."There was a koala during the 2015 wildfires that made the news for not responding to any pain treatments," he explains. "Our founder donated one of the prototypes to the vets there. The koala had a great response. The koala's name was Oska, so we actually adopted that as our name for the US device."Dr. Marksberry says the ten devices they sent can help treat dozens of patients, since multiple animals can use it at once, and treatment only takes a few hours each day."As long as it's next to the animal, they can still get pain relief from the device and go ahead and get normal rehabilitation treatments they've been getting," he says.For more information about the Oska Pulse or Oska Wellness, visit www.oskawellness.com. 1670

CENTENNIAL, Colo. — The holiday shopping season is here. And, if we're going to be stuck inside our homes, we might as well make it fun.Get the family together for the newest competitive indoor game, created right here in Colorado.You're in good company this week with Shuffle Golf, which was developed in Centennial and is now available through Walmart's website.Just as the name suggests, it's a combination of shuffleboard and miniature golf."When people start playing, they realize how challenging the game is," said Jeff Storey, the founder of parent company i-Play. "But, the rules are so simple on how to learn."Prior to the pandemic, i-Play created interactive games for kids."We have these floor projection games, table projection games, that are all interactive," Storey said.But seeing a need for more at-home entertainment, and noticing a gap in the golf game market, Storey and his team entered Shuffle Golf into Walmart's Open Call for U.S.-manufactured products.It's an effort by the retail giant to inject millions into America's small businesses. Shuffle Golf won distribution out of 5,000 submissions."The buyer recognized the concept is cool," Storey said. "It's different. It's a quality game. It's made in America. And, that's exactly what Walmart is doing today."The game uses a vibrant carpet mat, which allows for two-way putting, has various scoring sections around the green, and includes negative scores for sand and water hazards. And, you can knock your opponents' ball off the course."It's a great educational tool for math for young kids," Storey said. "And, parents now are having to teach their kids and home school and so forth."But, Storey said the game is great for all ages and all skill levels. And, it can get competitive.It's teeing up the fun, just in time for the holidays."Now, (families) have a new game to play, outside your Bocce Ball, or Monopoly, or all these different traditional games," Storey said. "It's a new game for families to engage in."Shuffle Golf is available through Walmart.com. It will be on store shelves in the spring of 2021.i-Play is donating 10% of its profits from Shuffle Golf to Children’s Hospital Colorado.This story was first reported by Brian Sanders at KMGH in Denver, Colorado. 2263

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