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CARLSBAD, Calif. (KGTV) -- Police in Carlsbad are looking for a woman suspected of striking a senior in the face and leaving the scene.Police said the reported incident happened at around 5 p.m. on Oct. 5, near Grand Avenue and Carlsbad Village Drive.According to police, a woman -- for reasons still unclear – “hit a senior female in the face, causing minor injury, and then ran away.”Photos tweeted by the department show the suspected attacker and a male companion walking away following the incident.Anyone with information on the incident or on the people involved is asked to call 760-931-2161. 608

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

BUFFALO, N.Y. — When a man's car was damaged in an alleged hit-and-run accident, it was a note from a sixth grader who helped him find who was responsible.According to Andrew Sipowicz, he received an anonymous note on his car from a student at Houghton Academy explaining that she had been aboard a bus that had damaged his car in an accident. The bus driver then fled the scene.Sipowicz shared the note alongside two pictures on his Twitter feed with the caption: "Shoutout to the anonymous 6th grader for saving me a couple thousand (Bus not drawn to scale)."As of early Wednesday afternoon, Sipowicz's tweet has been liked more than half a million times and retweeted more than 100,000 times.He later noted on Twitter that he had found the girl who wrote the letter and was "in the process of finding a way to reward her for her actions." 869

By JOYCE M. ROSENBERG and KEN SWEET AP Business WritersNEW YORK (AP) — Americans are likely to see more "for rent" signs in the coming months. That's because many businesses devastated by the coronavirus pandemic are expected to abandon offices and storefronts. The changes are happening because more employees are working from home, and more people are shopping online. The result could bring an end to the long boom in the nation's commercial real estate market. Hotels, restaurants and stores that closed in March have seen only a partial return of customers. Many of them may fail. Commercial landlords have reported an increase in missed rent payments. They expect vacancies to rise through the end of the year. 724

CARDIFF, Calif. (KGTV) - Three boys are recovering from an angry wasp attack at a park in Cardiff.Along Windsor Road, feet from an elementary school, five boys between 7 and 14 years old were inside a private park in the Park Place community two Sundays ago. They were about a 100 feet from the fenceline along Windsor Road. Frank Bocchini's son was the oldest boy in the group."Doing what young boys do, exploring and having fun in nature," said Bocchini.The fun quickly turned into a nightmare."He saw the wasps and told the young boys to stay away from there," said Bocchini.Bocchini's son was the first to see the insects near a tunnel structure. "The wasps reacted quickly after he said that. It was a nest that quickly turned into a swarm...screaming and crying, because they were getting hit," said Bocchini.Three of the five kids were stung, including two 7-year-old boys who were stung dozens of times."The older boys were trying to get the wasps tangled in the young boys' hair," said Bocchini.Bocchini's son and another boy frantically tried to help the other children. "At one point, the whole jacket was covered in wasps on this young boy. He told the boy to take the jacket off and run," said Bocchini.That boy did, and eventually ran out of harm's way."He was upset and scared," said Bocchini. The 7-year-old boy ended up in the emergency room with 24 stings and hives on his body. The incident unfolded as wasp season should be wrapping up. Experts tell us the hot weather has extended the season along with the dangers.The property management company for Park Place confirmed a pest service relocated the yellow jackets. Experts say you should run from wasps, and running through trees and bushes may help slow them down. If you're stung, don't take the stinger out with tweezers. Instead, scrape it out with a credit card so you don't push more of the venom into your body. 1899