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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

Chad Daybell was arrested Tuesday after investigators recovered what they believe are human remains on his property.A search warrant was executed at his home in Salem, Idaho Tuesday morning in connection to the search for two missing children — his 7-year-old stepson Joshua "JJ" Vallow and 17-year-old stepdaughter Tylee Ryan.The remains have not been identified.Police took Daybell into custody about a mile from his home as numerous police officers and FBI agents served the search warrant. He was booked into the Fremont County Jail several hours later. Specific charges were not disclosed, but authorities did say they were felony charges and that he was being held with no bond.East Idaho News reports Daybell's car was stopped about a mile from his home and police took him into custody.According to a news release from the Rexburg Police Department, its officers, with the assistance of the FBI and the Fremont County Sheriff’s Office, served the search warrant around 7 a.m. Tuesday.FBI Public Affairs Specialist for the Salt Lake office, Sandra Barker, has confirmed that the FBI is assisting with the search warrant.She told CourtTV there are about 20 FBI personnel on scene helping, including agents and support staff.The warrant is sealed, meaning that the information is only available to law enforcement officers working on this case.Numerous roads around the home are closed and drivers are being re-routed.Chad and Lori Vallow Daybell were found living in Hawaii in January. Kaua'i Police and Rexburg Police served search warrants there on January 25.Lori Vallow Daybell was arrested on February 20, and has been in an Idaho jail ever since, despite several attempts to lower her bail.Chad Daybell married Lori Vallow not long after his wife, Tammy, died of reported natural causes.The Idaho Attorney General is investigating possible murder and conspiracy in her death.This is not the first time the Salem home has been searched by law enforcement officials. 1984

Celebrities including Amy Schumer and Chelsea Handler have launched an Instagram campaign targeted at Ivanka Trump, urging the US President's daughter to act on the administration's family-separation policy and calling for the resignation of Homeland Security Secretary Kirstjen Nielsen.As part of the campaign, well-known figures followed by Ivanka Trump on Instagram -- including not just Schumer and Handler, but also American fashion entrepreneur Sophie Amoruso and British model Cara Delevingne -- have been posting messages detailing the alleged abuses of children under controversial family separations at the US-Mexico border in an effort to flood her feed.The coordinated messages begin: "Dear Ivanka, you follow me on social media. You said family separation was a 'low point' for you. The low point is for the separated families. You spoke in past tense. This crisis is ongoing."The White House did not respond to a request for comment.The campaign began after Trump broke her silence on family separations on Thursday, saying during an Axios News Shaper conversation that it "was a low point" of her time in the White House."I felt very strongly about that and I am very vehemently against family separation and the separation of parents and children so I would agree with that sentiment. Immigration is incredibly complex as a topic. Illegal immigration is incredibly complicated." 1412

California regulators want to tax text messages to increase funds for programs that bring connectivity to underserved residents.A new surcharge proposed by the California Public Utilities Commission (CPUC) wouldn't be a per-text tax, but a monthly fee based a cellular bill that includes any fees for text-message services. Most carriers offer a flat fee option for texting, and already charge a similar fee for other services included in the bill — such as phone calls. The exact structure of the charge would vary from carrier to carrier.The commission will vote on the measure January 10, 2019, and is facing strong opposition from industry trade groups like the CTIA, which represents AT&T Mobility, Sprint, and T-Mobile. (AT&T is the parent company of CNN.)The 52-page proposal by CPUC Commissioner Carla J. Peterman lays out the details of the plan, and says the state's Public Purpose Program budget is going up while incoming fees to fill it are decreasing. Currently the surcharge rate is less than 7%.The proposed plan could be complicated by a new Federal Communication Commission ruling. On Wednesday, the FCC approved a new rule that classifies text messages as an "information service" like email. Proponent of the rule say it will give carriers the ability to crack down on spam messages, and critics say it could lead to carriers censoring messages.The CTIA argued in a legal filing submitted Wednesday that if texts are an information service, then the CPUC doesn't have authority over them and can't add on surcharges. It claims the proposal would go against federal law.The industry group also says the proposal would create inequity "between wireless carriers and other providers of messaging services," such as WhatsApp, iMessage and Skype."Subjecting wireless carriers' text messaging traffic to surcharges that cannot be applied to the lion's share of messaging traffic and messaging providers is illogical, anticompetitive, and harmful to consumers," the CTIA said in its filing.In light of the FCC ruling and other legal filings submitted to the CPUC, the group could change its draft proposal before the vote next month.According to the CPUC, the charges go to a number of different programs, including 911 services, subsidized phone service for low-income residents, and equipment for deaf and hard-of-hearing users. 2379

CAMP PENDLETON, Calif. (KGTV) - Marines and Sailors are finding and rendering WWII bombs safe in the Republic of Palau.Back in September of 1944, the U.S. attacked Peleliu, an island in the Pacific Ocean. It was Japan's second line of defense in WWII and a hop away from the Philippines."There was a lot of casualties in the Battle of Peleliu, which is one of the islands here in Palau," First Class Navy Diver Alexander Grun said.About 1,500 U.S. and 11,000 Japanese soldiers died in that battle, but the war is still taking casualties today."One of the Palauans was telling me they were building a house and they accidentally hit one [a bomb] while they were building their house," Grun said.Dozens of bombs were left on the islands only to be discovered decades later, often by accident.The U.S. hand picked about 100 Marines and Sailors, many from Camp Pendleton and 3rd Marine Aircraft Wing in San Diego, for Task Force Koa Moana, which translates to Ocean Warrior.One of the missions of the task force is to find and render those bombs safe."We have robots that are able to search the beach for us now." Grun said they search as deep as 40 feet in the ocean for these bombs.They arrived July 21 and, according to Grun, found six bombs on the beach."We were able to recover three of them, but three were mines, Japanese mines, that we didn't want to mess with. They were too big," Grun said.The team flagged the bombs' location and will come back on future missions with more equipment to recover them. Grun said when they find a bomb, they deactivate it or, "if it's going to detonate, we make sure everyone's away and do a hard pull. If it detonates, it detonates, if not, they go through a whole procedure and render it safe."They hope to protect Palauans and get home safe to their families."I want to say hello to my family out in San Diego in El Cajon," 1st. Lt. Joseph Sporleder, Communications Officer said. He has a brand new baby and wants to tell his wife and children he loves them.Sporleder said the island is rich with history and it has been incredible seeing old tanks, railway embedded in coral and other remnants of the war.Grun also had a message to his family in Santee, "I love you guys and I'll be home soon."According to the Marines' website, the task force will leave Palau in September. 2324

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