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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

CALEXICO, Calif. (KGTV) — A man was airlifted to the hospital Sunday after illegally climbing over a section of Calexico's border and falling.The man, who U.S. Customs and Border Protection said had crossed over illegally sometime just after 8 p.m., broke both of his legs and sustained a back injury from the 30-foot fall from atop the border wall.Video shows the man climbing over and falling to the ground, where he lay motionless.RELATED: Congress watchdog: Border wall may cost more, take longerBorder officials said they found him behind the nearby Gran Plaza Outlet Mall at about 9 p.m.Agents on the scene provided the man with first aid and called in emergency responders, who took the man to a Palm Springs medical center.El Centro Sector Border Patrol released the video on Twitter this week, reminding the public of the danger of attempting to climb the border wall. 890

CAMP PENDLETON, Calif. (KGTV) — Officials Friday identified the Marine killed in a rollover crash this week at Camp Pendleton.Officials identified 1st Lt. Hugh C. McDowell, 24, of Washington D.C., as the Marine killed after a light armored vehicle rolled over Thursday at Camp Pendleton. Six others were also injured in the crash.The crash occurred during regularly scheduled battalion training, officials said. The cause of the crash was still under investigation Friday.RELATED: Marine killed, six others injured in rollover at Camp PendletonMcDowell was a platoon commander assigned to the 1st Light Armored Reconnaissance Battalion, according to officials. He accepted his commission as a Marine Corps officer on May 5, 2017. Through his military career, he had been awarded the National Defense Service Medal and the Global War on Terrorism Service Medal."We recognize that military operations are inherently dangerous and we take extreme precautions to ensure the safety and welfare of our Marines. This is a tragic accident and we are heartbroken at the loss of a member of our Marine Corps family. We will do all we can to comfort the family, friends and colleagues of Lt McDowell," the 1st Marine Division said in a release.The six other Marines injured in the crash were taken to a local hospital with injuries not considered serious. They were in stable condition Friday but have not been identified. 1419

Chanel White has missed going to karaoke bars, but when it comes to being in quarantine, she’s used to it.“Life hasn’t been too different from what it normally was for me,” Chanel White said.In 2011, White was diagnosed with systemic sclerosis, an auto-immune disease.“Basically my body just sees myself, my tissue, my organs as something foreign and something that should be attacked,” White said.She gets nutrients through a feeding tube and takes a lot of different medications. She’s also considered high risk of contracting COVID-19.“Pneumonia is basically the number one cause of death for people with my condition.”Based on a report by Johns Hopkins Center for Health Security, White should be among those who get the novel coronavirus vaccine as soon as it’s available.“Ethics is the essence of this,” Dr. Eric Toner said.Dr. Toner is a Senior Scholar with Johns Hopkins. Who gets the vaccine first will ultimately be up to the Department of Health and Human Services, but Dr. Toner says the report is meant to offer an ethical framework to help prioritize who gets the vaccine and when.“First of all it’d be health care workers who are taking care of COVID-19 patients. That seems pretty straight forward and non-controversial,” Dr. Toner said.Also in the first tier would be people who are essential to the pandemic response – like those doing the vaccinating, people on the front lines of public health and people working in nursing homes.That first tier would also include the men and women who have helped maintain some normalcy during the pandemic.“Think of front-line transportation workers like bus drivers, think about people working grocery stores, people who work in food production, people who keep the lights on and the water running,” Dr. Toner said.White would be in tier one, but her medical situation is quite complicated.“I right now can’t get vaccines,” White said.She says the treatment she’s receiving heavily reduces her immune response so her body doesn’t attack itself. So depending on the type of vaccine, she would either develop COVID-19, or the vaccine wouldn’t do anything for her.“It’s a weird circumstance because I don’t think the world thinks a lot about people like us. They just think ‘oh the sick people are especially going to need this,’” White said.Dr. Toner says there is an alternative solution.“Vaccinate everyone around them. So vaccinate their families, their caregivers,” Dr. Toner said.“Clearly herd immunity can save an immeasurable number of lives. And so really for someone like me that really is my best shot,” White said.Getting enough people who have an immune response to the vaccine will depend on its effectiveness.“We are ensuring that the vaccine is safe and we’re ensuring that the vaccine is effective. And we will try to get it out as fast as we can, of course, but we won’t cut any corners,” Dr. Toner said.For now, White is choosing to focus on the positive."Hopefully the world will come out better because of this and empathic to their fellow man. But I do hope for a future where I can go to karaoke again,” White said. 3100

CAPE CORAL, Fla. - It all started with a high school assignment.Megan O’Grady says she had to write about a topic that she felt passionate about in her life.As the daughter of a law enforcement officer who had recently learned of the deaths of five officers during a 2016 protest in Dallas, it wasn’t hard for her to share what she was feeling at the time.That paper would soon turn into a passion project and the nonprofit, Blue Line Bears.Four years later, the group has dispersed more than 700 teddy bears - sewn with the uniforms of fallen law enforcement officers and given to loved ones that have been left behind.“Taking that uniform shirt and making it into something that can be held and cuddled...it gives them comfort and a little bit of their loved one back,” the 18-year-old tells FOX 4.She says prior to this year, Blue Line Bears filled five to ten requests per week from agencies across the country.“Now, it can be up to like 20 or 30”.Megan’s father is Master Sergeant Patrick O’Grady with the Cape Coral Police Department.He says agencies from all over reach out to the group for bears.O’Grady says they also use the website Officer Down Memorial Page to keep track of impacted families.According to the site, there was 148 line of duty deaths in 2019.This year and at the time of this story, the website reports that the number is already 247.The site says most of those deaths are related to COVID-19 and gunfire.“At any time, we can have over 100 shirts waiting to be turned into bears,” O’Grady says.With an increase in demand comes the need for an increase in space.That’s why the nonprofit is now expanding to an official location in Cape Coral.Megan says the new space will serve as a place to hold meetings and a go-to location for the community to purchases merchandise.She says she's most excited that it will also provide a bigger workspace to prepare the keepsakes that bring support to many families.Because as Megan, now in her first year of college, says, “There’s always a lot of bears to be made.”The O'Gradys say the new location will be complete by the end of the year.The address for the new storefront is 3032 Santa Barbara Boulevard.Click here for more information about Blue Line Bears.This story was first reported by Shari Armstrong at WFTX in Fort Myers, Florida. 2315