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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

Bulgarian authorities are investigating the rape and murder of an investigative reporter in the northern city of Ruse, the third journalist to have been killed in the EU this year.The body of 30-year-old Viktoria Marinova was found on Saturday near a pedestrian alley in an area with heavy vegetation, Bulgarian state media reported.Preliminary investigations showed the cause of death was blows to the head and suffocation.Bulgarian Interior Minister Mladen Mladenov described the murder as "exceptionally brutal" and said Marinova was raped before she was killed, according to state media. He said the country's top murder investigators had been sent to Ruse to work on the case.It's not clear if Marinova's murder was related to her journalistic work. Authorities are working to identify witnesses and potential motives for her murder.Bulgarian media reports said that over the last year Marinova had reported on an ongoing investigation into alleged corruption involving European Union funds for the broadcaster TVN. She also worked on a program focusing on social issues and was involved with charity work. 1119

Carl Kasell, a fixture on NPR for more than 30 years on "Morning Edition" and later its quiz show "Wait Wait ... Don't Tell Me!," died Tuesday from complications from Alzheimer's disease. He was 84.Kasell began his career at NPR as a part-time employee on "All Things Considered" in the mid-1970s, then became the news announcer for the first broadcast of "Morning Edition" in 1979.In that role Kasell became one of public radio's most recognizable voices. Yet after years of being associated with breaking news, he had the opportunity to showcase a lighter side of himself starting in 1998 as judge and scorekeeper on "Wait Wait," hosted by Peter Sagal. An early prize for winners was to have Kasell record the outgoing message on their answering machine.In a statement, Sagal called him "the kindest, most decent person I have ever known," adding that after listening to him for years, "Hearing him say my name, that very first time, made me feel like I had somehow made it." Kasell became "scorekeeper emeritus" in 2014.Kasell's interest in radio began as a teenager, and that extended into his time at the University of North Carolina. He served in the military after college, returning to take a job at an all-news station. 1236

CARLSBAD, Calif. (KGTV) - The family of an 18-year-old man shot and killed in Carlsbad last July says they’re upset with the sentence handed down for the man who supplied the gun in the shooting.Connor Mangseth is described by family as someone who lived life to the fullest, inspiring those around him to do the same. His mother said he would befriend anyone, no matter their background, and that’s what led to his death this year. On July 23, Connor went to the home of a friend and 19-year-old Gerardo Gonzales, another friend, was also present. Gonzalez was already facing felony charges for another crime and was out on bail.RELATED: Teen girl, young man arrested in Carlsbad shooting deathGerardo had a gun, which he gave to a 16-year-old female who was also with them. She said she thought it was empty when she pulled the trigger, but there was a bullet inside, which struck and killed Connor. Connor’s sister said it’s what happened next that deserves justice.“The worst part is the things that happened after that. It was that Gerardo Gonzales and this minor left to go hide the gun, they created a false story involving two other gunman and they spent 20 minutes doing this instead of anyone calling 911 or getting help,” said Sabrina Mangseth.Gerardo was charged with Accessory After the Fact and Child Endangerment. The Mangseth family said they are angry at the court system for how they handled these charges. Connor’s mother, Maureen, said they got silence from the District Attorney’s office, then she got a call saying Gerardo had taken a plea deal, something she was not told about ahead of time. She said she feels like the prosecutor was trying to rush the case rather than find justice, adding that to her knowledge, investigators have not completed their investigation and have more evidence to review.Sabrina started an online petition to bring awareness to the lack of communication during the case, gathering more than 6,000 signatures. A description in the petition describes Connor’s passion for life and the family’s desire for the court to take back the plea deal and wait to make any decisions until all evidence has been gathered.Ultimately, a second prosecutor was brought in to handle the case, but the guilty plea remained. Wednesday, Gerardo was sentenced to probation and up to one year in jail. Maureen said it doesn’t look likely that he’ll serve jail time. Sabrina did add that the second prosecutor did a better job of communicating with their family.“Gerardo Gonzales himself, in the trial, said Connor was my best friend and for him to do that to his best friend, I can’t even imagine what he would do to a stranger, someone else,” said Sabrina, worried about the lack of punishment for Gerardo.When asked for a response to the sentencing and plea deal, a spokesperson for the District Attorney’s office said: “This is obviously a tragic case and we have been in very close contact with the victim's family in recent weeks as we continue to seek justice for their loss. Two defendants were charged in connection with this murder. The defendant who is not the actual killer pleaded guilty to both counts he was charged with, including Accessory After the Fact and Child Endangerment, with an agreement from the People that there would be no opposition to a local jail sentence. The second defendant, a minor, remains charged with murder."The 16-year-old who pulled the trigger is facing murder charges and is next expected in court Nov. 9, 2020. 3495

Capt. John Watkins, whose daughter passed away at 10 months of age from cancer, joins thousands of participants for Oceanside's The IRONMAN triathlon race to raise awareness for childhood cancer.Watkins posted a Facebook message to his daughter, Millie Mae, on Friday saying his heart was heavy as he prepared for the big race."Today marks 10 months. You had 10 full months of life with us on this Earth and we now have spent the same amount of time without you," the post read.-------------------Ironman 70.3Where: Oceanside Harbor; Cost: FreeYou can go out and root for the talented athletes competing in Oceanside's Ironman competition. The public is also welcomed to check out the Ironman Village. 724

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