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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., -- A man accidentally discharged his semiautomatic hand gun Friday while shopping for ammunition inside the retail portion of Shoot Center, a gun store in Cape Coral. "We always assume you have a loaded firearm," said Shoot Center Owner, Aaron Forum, describing store protocol for anyone that pulls out a gun.  Forum took to Facebook to explain the incident:  405

CAMPO, Calif. (KGTV) - U.S. Border Patrol agents stopped a “brazen” smuggling attempt Wednesday at the U.S.-Mexico fence in East San Diego County, officials said. Agents near Campo reported the incident Wednesday at 3:45 p.m. when a Dodge 4500 utility truck crossed into the U.S. Fifteen minutes later, agents saw a man who had a truck matching the suspect vehicle, using bolt cutters trying to cut the lock of a South Bay resident’s private gate. Agents tried to stop the man, but he drove off. RELATED: Border Patrol arrests teen with toy car at U.S.-Mexico borderFollowing a short pursuit, the truck stopped and everyone inside ran away, Border Patrol officials said. “A vehicle drive-thru, with overloaded and unsecured passengers, particularly in this terrain, can certainly result in a rollover accident with serious injuries and death,” said San Diego Sector Interim Chief Douglas Harrison. “The breach of this old landing mat wall is illustrative of the need for more hardened infrastructure with greater impedance and denial capabilities to keep the area secure. I’m proud of our agents’ steadfast vigilance that put a stop to this smuggling attempt.” Agents captured 16 people who admitted to entering the country illegally. The group consisted of nine men and five women from Mexico, and a man and woman from Guatemala. RELATED: Teens targeted to smuggle Fentanyl across US-MexicoThe truck’s driver, a 27-year-old Mexican citizen, will face charges, according to the Border Patrol. 1501

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

CAMPO, Calif. (KGTV) -- A man was arrested after reportedly assaulting two Border Patrol agents as they attempted to arrest him for trying to smuggle people into the U.S. According to the agency, the incident happened around 1:17 a.m. Tuesday as agents patrolled Interstate 8 in Campo. Agents tried to stop a 2007 Ford F-350 near Kitchen Creek Road when the driver took off, leading agents on a high-speed chase. RELATED: 14-year-old tried to smuggle meth strapped to body, CBP saysAccording to Border Patrol, agents successfully deployed a tire deflation device, forcing the vehicle to stop a short distance later, but the driver got out and fled on foot. As agents searched for man, he reportedly jumped out of a nearby bush, tackling one of the officers to the ground. A second agent also responded to the scene, struggling with the suspect as well. Inside the F-350, agents found three men and one woman, all Mexican nationals in the U.S. illegally. They were all taken to a Border Patrol station for processing and the suspect, identified as a 37-year-old U.S. citizen, was arrested. RELATED: Woman tries to smuggle meth with 7-year-old in car, Border Patrol says“The Border Patrol like any Law Enforcement job is inherently dangerous. The Border Patrol is comprised of a highly trained / multi-disciplined work force. Our agents are trained and equipped to properly confront any situation they may encounter in the field,” said San Diego Sector Acting Division Chief Patricia McGurk-Daniel. “The ambush and assault of our agents will not be tolerated and this case will be prosecuted to the fullest extent of the law in order to protect our workforce and the community.” 1684

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