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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

CAPE CORAL, Fla. -- Two siblings, one brother and one sister, had their children at Cape Coral Hospital on the same day, within hours of one another.Kenia Pozo and her older brother Marcus had a daughter and a son on May 14th.Pozo and her brother's girlfriend Katery Lara, gave birth after two subsequent cesarean sections. Pozo was scheduled to have hers first and give birth to a girl, Michaela Rose, just before 8 a.m. Lara gave birth to a boy, Kaiser Alexis, just after 11 a.m. the same day.The two women say they grew especially close during their pregnancies. Initially, Lara was due on May 26th and Pozo was due May 27th. Both women initially thought that they would give birth at least a day apart from one another. Pozo and Lara, who both have the same doctor, discovered they were going to deliver on the same day after scheduling their surgeries. The women said they were happy to have gone through the experience together and they hope their children will share a special bond because of how they came into the world.  1093

Charges are forthcoming and this case will be prosecuted to the fullest extent- A hero in the form of a NYCT Platform Controller emerged in a split second, taking control without hesitation and held the suspect while at the same time getting aid to the victim ?? https://t.co/spOOaoeSeX— NYPD Transit (@NYPDTransit) November 19, 2020 341

California Democrat Gil Cisneros has defeated Republican Young Kim in a closely watched House race, adding yet another blue seat to the party's new House majority.Cisneros, a former Navy officer, will represent California's racially diverse 39th Congressional District, which was previously held by retiring Republican Rep. Ed Royce.Kim, who was seen as a charismatic potential successor to Royce, her one-time boss, finally succumbed to her opponent on Sunday.In a concession published to Facebook, Kim said she believes that the "competitive nature of this election shows that my message and service to this community resonated."The Democratic win in the district adds to several other pickups for the party in the districts representing Orange County, a place that used to be reliably Republican. Democrats now control seven seats representing the county, four of which are pickups from Republicans. 910

CAPE CANAVERAL, Fla. (AP) — SpaceX's sleek, new crew capsule arrived at the International Space Station on Sunday, acing its second milestone in just over a day.No one was aboard the Dragon capsule launched Saturday on its first test flight, only an instrumented dummy. But that quickly changed once the hatch swung open and the space station astronauts floated inside."A new generation of space flight starts now with the arrival of @SpaceX's Crew Dragon to the @Space_Station," NASA Administrator Jim Bridenstine tweeted. "Congratulations to all for this historic achievement getting us closer to flying American Astronauts on American rockets."This beefed-up, redesigned Dragon is the first American-made, designed-for-crew spacecraft to pull up to the station in eight years. The next one coming up will have its own two-man crew.The space station's three astronauts had front-row seats as the white 27-foot-long (8-meter-long) capsule neatly docked, a little early no less. TV cameras on Dragon as well as the station provided stunning views of one another throughout the rendezvous.Just two hours after the Dragon's grand entrance, the station crew entered to take air samples. The astronauts wore oxygen masks and hoods until getting the all-clear.If the six-day demo goes well, SpaceX could launch two astronauts this summer under NASA's commercial crew program. Both astronauts — Doug Hurley and Bob Behnken — were at SpaceX Mission Control in Southern California, observing all the action. They rushed there from Florida after watching the Dragon rocket into orbit early Saturday from NASA's Kennedy Space Center."Just super excited to see it," Behnken said minutes after the link-up. "Just one more milestone that gets us ready for our flight coming up here."While SpaceX has sent plenty of cargo Dragons to the space station, crew Dragon is a different beast. It docked autonomously under the station astronauts' watchful eyes, instead of relying on the station's robot arm for berthing. The capsule's nose cap was wide open like a dragon's mouth, to expose the docking mechanism.Behnken said that's the way it should work when he and Hurley are on board; they may push a button or two and will have the ability to intervene, if necessary.As part of Sunday's shakedown, the station astronauts sent commands for the Dragon to retreat and then move forward again, before the capsule closed in for good.SpaceX employees at company headquarters in Hawthorne, California, cheered and applauded as crew Dragon pulled up and docked at the orbiting lab, nearly 260 miles (400 kilometers) above the Pacific, north of New Zealand. They burst into applause again, several minutes later, when the Dragon's latches were tightly secured.The capsule's lone passenger for launch — a mannequin wearing a white SpaceX spacesuit — remained strapped into its seat as the station's U.S., Canadian and Russian crew removed supplies and photographed the spotless white interior. The test dummy — or Smarty as SpaceX likes to call it, given all the instrumentation — is named Ripley after the lead character in the science-fiction "Alien" films.Dragon will remain at the space station until Friday, when it undocks and aims for a splashdown in the Atlantic, a couple hundred miles off the Florida coast.Like Ripley, the capsule is rigged with sensors to measure noise, vibration and stresses, and to monitor the life-support, propulsion and other critical systems throughout the flight.SpaceX aims to launch Behnken and Hurley as early as July.Next up, though, should be Boeing, NASA's other commercial crew provider. Boeing is looking to launch its Starliner capsule without a crew as early as April and with a crew possibly in August.NASA is paying the two private companies billion to build and operate the capsules for ferrying astronauts to and from the space station. Astronauts have been stuck riding Russian rockets ever since NASA's space shuttle program ended in 2011. Russian Soyuz seats go for up to million apiece. 4030

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