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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

CFD Units are currently on scene in the 9500 Block of David Taylor Dr; heavy flooding has lead to the evacuation of a Charter School; no injuries at this time; 143 persons have been rescued pic.twitter.com/ltDWL2CF4F— Charlotte Fire Dept (@CharlotteFD) November 12, 2020 278

CARLSBAD, Calif. (KGTV) - A drone company based in Carlsbad has found a way to use their drones to help the fight against COVID-19.Charles Moss, the owner of FD1 Drone, created new software that uses artificial intelligence to track the size of crowds, as well as the distance between people. He hopes it can be used to enforce social distancing in public places."It's a tool," says Moss. "It's the ultimate tool to enhance our current abilities."The software connects a drone's camera with a computer, feeding real-time information about crowd size and social distancing. It can also detect which people are wearing masks, and which people aren't.On the computer screen, green dots show people who are property distanced. Red dots mean they're too close.Moss says it can be used at parks, beaches, schools, shopping centers, concerts or anywhere else people gather.And the software isn't confined to drones. Moss says it can be installed on street light cameras, similar to the technology the City of San Diego uses in their Internet of Things system. Like the IOT system, Moss' software does not use any facial recognition technology."In order to give people a better comfort out in public, they need insight as to their environments," he says. "The human brain can only process so much data, so much information. This will help them make better decisions."Moss says he's been in contact with a few cities and schools to deploy the technology, but concerns over cost and training has kept his software grounded.He's hopeful it will catch on soon, so it can help keep people safe during the Pandemic.But he says it also has practical applications after the Pandemic ends. Moss says his software could be used to spot wildfires, measure deterioration in coral reefs, inspect power lines and more."It's more of a tool to provide situational awareness, so we can plan," says Moss. "We call it AI for good." 1914

Carnival Cruise Lines announced Wednesday that it had canceled most cruises that were scheduled to embark from U.S. through the end of January 2021.In addition, the company announced that all cruises embarking from Baltimore; Charleston, South Carolina; Long Beach, California; Mobile, Alabama; New Orleans and San Diego has been canceled through the end of February and that all cruises on the Carnival Legend that embark from Tampa, Florida had been canceled through March 28.In a tweet, Carnival said that when it restarts operations in 2021, it will focus on cruises embarking from Miami and Port Canaveral, Florida. Later, it will begin sending cruises out of Galveston, Texas. 690

Calls are growing to defund the police. For some advocates, that means divesting from law enforcement in favor of supporting communities. Others want to dissolve departments entirely. Both ideas center on reimagining policing as we know it.“I definitely think there are partnerships to be made and there's opportunity to be had, but that reimagining really first comes with having the resources to dream,” said Isaac Bryan, Executive Director of the UCLA Black Policy Project. “Right now, we don't have that because over half of our budgets, the discretionary funds go to law enforcement and policing.”Bryan says he'd like to see more discussions about restorative or transformative justice and alternatives to incarceration.Bryan says Minneapolis has opened the door for these conversations. The city council there is actively working to disband police, despite pushback from the mayor.An advocacy organization gives us a better idea of what that might look like.MPD150 says first responders should be mental health providers, social workers and other community members. It argues law and order would be better served through education and services that low-income communities typically lack.That's something Bryan agrees with, pointing to the high arrest rates of those experiencing homelessness in Los Angeles.“We're using our resources the wrong way and that's a clear-cut example that I think folks in this city and in large municipalities can think critically about,” said Bryan. “What if we used that money to build housing, or to feed folks, or to provide other pathways to opportunity.”Former vice president and current Democratic presidential nominee Joe Biden says we don't need to cut funding but increase it. His campaign argues more spending is necessary to help improve law enforcement and community policing. 1832

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