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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

CALIFORNIA — Thousands of San Diego residents are saving big by "buying nothing."It's just past 9 a.m. on a late November in Bay Ho and lots of pieces of bread, rolls and muffins are ready for taking. Becky Sloan is the first to arrive.The food is set up outside the home of Tomira Baca-Craig, who runs a food co-op that divvies out extra bread donated by bakeries and stores. On this morning, she posted the giveaway on her "Buy Nothing" Facebook group.It's not just bread. Sloan showed reporters with KGTV in San Diego photos of baseballs, crafting items, shoes for her children and home decor, just some of the stuff she's received in the last two years. All of the items were offered up by neighbors on the Bay Park/Bay Ho Buy Nothing page."I think I might have saved anywhere from ,500 to ,000," Sloan said.Sloan actually gifts more items than she receives."It's awesome. You can give just about anything away, and you can receive just about anything you ask for," Sloan said. 1013

CARLSBAD, Calif. (KGTV) — LEGOLAND California helped make the season bright for one lucky 11-year-old who in return, helped usher in the holidays at the park.Gideon Robinson, an 11-year-old cancer survivor from Lake Elsinore, and his family helped the park light its 30-foot tall LEGO Christmas tree in the park's Fun Town. After pulling the switch, Robinson helped illuminate the tree's 11,000+ twinkling lights, which is set atop more than 400 LEGO decorations and 245,000 green DUPLO bricks.Robinson was given a star ornament and special invitation to the park's LEGO Movie World expansion set to open next year. He and his family were also treated to a stay at the LEGOLAND Castle Hotel.Robinson is a two-time cancer survivor who was first diagnosed with acute Lymphoblastic Leukemia a week after his fifth birthday and again in 2019 after a short remission before receiving news that he had beaten leukemia."During these unprecedented times when so many are faced with challenges, it’s positive stories such as Gideon’s that provide inspiration to all of us," said LEGOLAND California Resort President Kurt Stocks. "It’s an absolute pleasure and honor to have Gideon and his family officially light the LEGO Christmas tree this year and help LEGOLAND California bring some holiday hope to families this winter." 1324

Cheddar’s Scratch Kitchen issued an alert today, stating anyone who used their credit card at a Cheddar's restaurant between November and January may have had their information stolen.Since 2017, at least 16 different companies were hacked. Every 60 seconds, nearly 2,000 people become a victim to cyber crime. Whether it's getting phished or getting hit with malware, more than million is stolen on average in that minute, according to new information released by cyber security firm RiskIQ.There are precautions you can take to protect yourself.For example, on social media, you could be giving away personal information without even knowing it.Geotags, your birthday information and childhood photos could give away answers to private security questions you’re asked when you forget a password.Also, don’t ignore your app updates. Updating apps and software could actually make your device more secure, because updates could potentially fix security flaws.Lastly, if you receive a call from a telemarketer, be sure to not give any personal information, no matter how small, unless you are 100 percent sure who you’re speaking with. 1150

CARLSBAD (KGTV) -- A San Diego couple is missing their cruise over coronavirus concerns after they say the cruise company changed the itinerary without a refund.Lisa and Luis Revilla are cruise ship connoisserus. They've sailed through the Greek Islands and along the Italian coast. Their next trip was supposed to be through the Pacific Islands on the Norwegian Jade. But, due to coronavirus concerns that ship set sail without them. RELATED: Second case of coronavirus confirmed in San Diego County"I don’t need to go and risk my life," said Lisa Revilla. "We were sailing from Singapore and were being dropped off in Hong Kong. Hong Kong in the end closed their port."So, Norwegian changed the itinerary to leave Singapore, spend time at sea and head back to Singapore. It also wouldn't be your typical trip. "They were gonna implement certain temperature gauges, every time we got off and got back on from every port we were traveling to," said Revilla. RELATED: Mislabeled sample led to release of San Diego coronavirus patientBut to get over there they were planning on flying from LAX to Hong Kong, but American Airlines canceled their flights. So, they couldn't have taken the cruise even if they tried. "Basically I'm out almost ,000 from this voyage we were going to take," said Revilla. "What if we’re quarantined and I cant get back to my job I mean who’s going to pay for that?"Norwegain sent us this statement:“We always strive to do right by our guests while maintaining the business policies and practices we have in place to help us manage through situations just like this. It is because of the very nature of unexpected situations that we strongly recommend that guests obtain travel protection insurance. As a convenience to our guests, we offer a few travel protection plans at the time of booking, as well as during several follow-up communications. The plans allow for coverage in many situations. Some plans offer guests the opportunity to cancel for any reason. In addition, as is common in the travel and tourism industry, we have developed cancellation policies.They are communicated to our guests at time of booking and can be found on our website here: https://www.ncl.com/sites/default/files/Guest_Ticket_Contract_04-2017_2.pdfRevilla told 10News they were traveling with another couple who even purchased insurance through Norwegian and were told it wouldn't apply here. "We’ve been saving our money for a whole year and planning this whole trip. And it just didn’t happen," said Revilla. RELATED: Child returns to hospital after showing possible coronavirus symptomsRevilla was able to get the money from her flights refunded as well as a hotel they had booked in Hong Kong. 2716

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