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Buoyed by Pfizer's promising update on a potential COVID-19 vaccine and Saturday's presidential election call, U.S. markets skyrocketed on Monday morning as investors eyed the light at the end of the pandemic tunnel.The Dow Jones Industrial Average jumped more than 1,300 points in the moments after trading opened, an increase of about 5%. The NASDAQ saw an increase of about 150 points, or about 1%, while the S&P 500 jumped 120 points or about 3%.The Dow closed Monday at 29,157, which is up nearly 3% from Friday's close. The Dow has almost made a full recovery from its February 12 high point of 29,551. The jump came hours after Pfizer announced that is COVID-19 vaccine candidate has been 90% effective so far in promoting protection against the virus in Phase 3 trials. While the announcement does not mean a vaccine is imminent — in fact, it could be more than six months before most Americans will have a chance to get the vaccine — it does mean Pfizer is on track to apply for Emergency Usa Authorization in the coming months.Pfizer's stock exploded in early trading Monday, jumping about 3 points or an increase of 8%.Monday continues what has been a roller coaster 2020 for American markets. After the pandemic led to historic drops in February and March, markets have rallied in recent months and erased most of those losses. Monday's gains have so fae wiped out loses from October, which were caused by Congress' decision not to pursue more COVID-19 stimulus before the end of the current legislative term. 1533

CARLSBAD, Calif. (KGTV) - A Carlsbad high school teacher accused of "inappropriate conduct" is denying the allegations that has forced him out of the classroom for months.About two months ago, senior Rafa Fabito said his film teacher at La Costa Canyon High School, Speed Farris, was a no-show."I thought he was just absent," said Fabito.But that absence continued without an explanation -- until now. An email was sent home to parents earlier this week confirming Harris is currently assigned to the San Dieguito Union High School District's Administrative Office amid an investigation into allegations of "inappropriate conduct toward former students." Across the La Costa Canyon campus, there was a sense of disbelief."This doesn't jive with what his typical personality is like. I wouldn't expect this from him," said Fabito.Early this school year, student Mary Harris took a literature class taught by Farris."He liked to joke around but never made anyone feel uncomfortable. Just a happy, fine guy," said Harris.Some parents told 10News they were upset it took months for the school district to inform them. As for the teacher at the center of the probe, he agreed to talk to 10News. By phone, Farris told 10News he couldn't say much, but did maintain his innocence. "These allegations are false. They're unwarranted. I've cooperated with the district investigation as much as possible. This whole process is ruining my life and my career," said Farris. 10News reached out to the San Dieguito Union High School District to find out why it took several months to inform parents, and is waiting to hear back. A San Diego County Sheriff's Department spokesperson said a criminal case has been sent over the county District Attorney's Office for review. 1764

CARLSBAD, Calif. (KGTV) - Carlsbad neighbors banded together to finish the hike of a woman who was stabbed to death in Hosp Grove Park.Dozens of hikers descended upon the trail Saturday afternoon, honoring 68-year-old Lisa Thorborg.Thorborg was walking or jogging, according to police, between 10 a.m. and 11 a.m. on Monday when she was attacked.RELATED: Carlsbad police: Woman found dead on hiking trail was stabbed to death"We loved her, though many of us didn't know her. I didn't know her personally, but you could definitely tell she had a sweet spirit," Neighbor Theresa Dooley said.Dooley said she was shocked and deeply hurt by the news. She said neighbors had been discussing what happened on the Nextdoor app and organized a walk for Thorborg."Some would like to finish the walk she began, some of us might walk various areas of the park here," Dooley said.Dooley said they wanted to wash away the fear surrounding the park, "we don't want our parks taken away from us, we don't want to live in fear, we want to be able to enjoy this, we want families to be able to come out here."Dooley added she will be taking precautions now when she hikes, "as women, it's probably important to have a partner with us, someone that we're hiking with."A tipster led investigators to identify a suspect as white or Hispanic, 5 feet 10 inches to 6 feet 3 inches tall, with a husky build and a tan complexion with dark hair. The tipster told police the man was wearing a black shirt, black shorts, and possibly a black hat, and he was walking slowly with a slight shuffle or limp.Anyone with information on the case or who was in the area of Hosp Grove Trail East, between 10 a.m. - 12 p.m., is asked to call Carlsbad Police at 760-931-2165. 1743

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, Ill. – The McRib is coming back to McDonald's on Dec. 2 and it’s returning to restaurants nationwide this year.The fast-food chain announced the return of its McRib on Friday and said it will be the first time the elusive sandwich will be sold across the country since 2012.good morning to everyone who asked how i was doing last weekand to everyone else...McRib is back 12.2— McDonald's (@McDonalds) October 30, 2020 As in years past, the item will only be around in the U.S. for a limited time. However, customers in Germany can enjoy the sandwich year-round.The McRib made its national debut at McDonald's in 1982. Over the years, it has become a fan favorite. The sandwich features seasoned boneless pork slathered in barbecue sauce, topped with onions and pickles."The McRib has been a beloved menu item at McDonald's since its inception nearly 40 years ago," said Vice President of Menu Innovation, Linda VanGosen. "There's nothing quite like the taste of the McRib. To our customers, it's become more than a delicious, saucy moment… it's a season, and it's taking the internet by storm. That's why this year, we're proud to serve the McRib nationwide for everyone to enjoy." 1198