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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

CARLSBAD, California — A California says it lost thousands in a bank scam that started with a notice about fraudulent debit charges.Krystal, who did not want to share her last name, lives in Carlsbad with her husband and their dog, Otis. Her husband is in the Marines and was recently in dive school in Florida. During that time, he received a call from what they thought was a USAA representative.USAA is a financial institution that serves primarily military families.“They told him there were fraudulent charges on his debit card and if they weren’t from him, that they’ll cancel the card and give him a new one and it will be sent to him,” Krystal said.She said it was from a USAA phone number.“They sent him a code through via text and had him repeat it,” Krystal said. “You could tell it was from USAA because there are previous text messages from USAA from other times they sent us the code,” Krystal said.Krystal said the caller said they needed to give her husband a new pin number and asked for the current one. In hindsight, it was a red flag, but at the time, he was busy evacuating from Hurricane Michael. The call sounded legitimate, even using the same song USAA uses when her husband was put on hold.“They had his debit card number. They mentioned me as a second account holder,” Krystal said.Before they knew it, their checking account was drained of more than ,800.“[I was] very angry, very heartbroken. Panicking,” Krystal said.Stephen Cobb with cybersecurity firm ESET said technology to make phone numbers look like a different one is increasingly used by crooks."A phone today is just a computer endpoint on a network and as such, its identity can be spoofed,” Cobb said.Krystal’s fraud claim was first denied by USAA, but she kept calling the bank, determined to get answers.“I finally got a hold of somebody in the financial crime department. She was very apologetic [and] said this isn’t the first time she’s heard of this today,” Krystal said.Krystal said she found her debit card was used in multiple transactions on the East Coast. The scammer has not been found.She was finally able to get a refund but has since switched banks. Now if she gets a call from a financial institution, she asks for a call back number to make sure it is real.“It makes me really angry and really sick. I feel really sick to my stomach about it. It makes me think of people that are veterans. What if their money was taken away?” Krystal said.On its website, USAA said this cybercriminal activity is on the rise. It reminds customers that it will never ask for any personal login information. 2609

Cannabis sales are expected to surge this holiday season.That's according to research from enterprise software company Akerna.The company projects that in the week leading up to Christmas Eve, cannabis sales will generate 0 million. Sales on New Year's Eve are expected to generate million.The company believes males will account for 64% of those sales, and females will generate 36%. The company also expects people between the ages of 30 and 40 to account for 30% of sales.According to Akerna, cannabis flower is expected to be the most popular item bought, followed by cartridges and pens, concentrates, and infused edibles. 642

Camp Kangaroo is designed for students, inspiring and elevating children out of grief and propelling them forward.One of the campers is a sixth-grader, named Gunnar. He lost his father in 2015."He was going to his NA meeting, he was always going to help other people even though my dad hadn't drank or smoked for two years," he said on his way home, his father crashed head on with a school bus.Gunnar then moved in with his mom, who turned to drugs after his brother died in 2011."My mom didn't really care about me and I feel like she didn't love me. So my dad, he tried his best to take care of me. Once I lost him, he was my whole world, so that was like losing my whole world," Gunnar said.Gunnar fell into an unsafe life, feeling lost and unloved. He said he became ill, unable to speak, and his mom wouldn't take him to the hospital, saying he "was faking it." He said his sister nursed him back to health and credits her for him being here today.A therapist gave him a permanent way out."She told me about Camp Kangaroo and at first I didn't want to go but then she told me about all the activities here all the ways you can learn how to not grieve and I was like okay I'll give it a try. I came here and it was amazing, it was one of the best decisions of my life," he said.His sister said camp gave him his own voice and the courage to tell their mom he was moving out. "When he got back from camp he was able to say for the first time, 'I don't want to be with you, I want to be with them.' He was strong enough to do that because of this camp," sister Jaqueline Avila-Barajas said.This year 70 kids ages 5-17 attended Camp Kangaroo in Julian for free. Corporate sponsors and personal donations fund the camp. They have creative arts-based therapy, with music and sessions. Each child lost someone close to them, and had an in-home assessment before coming to camp to ensure the safety of every kid."They learn that death is a natural part of life, and they're not alone," National Director, Ryana Goldberger, said she hopes each child learns "they're stronger than they know, and put coping skills in their tool box so they can help others."Gunnar echoed these words, "don't ever think it's your fault, it's not, you couldn't have done a single thing to change that and don't ever give up hope. Your loved one would be proud of you right now no matter what situation you're in."The camp is 3-days long, and costs about 0 per child. Other nonprofits like Project Linus help make the kids feel at home while bunking in the mountains, providing things like blankets and t-shirts. The camp brings together children from San Diego, Orange County, San Bernardino and Los Angeles. Camp Kangaroo started in Chicago, and is a nationwide program, according to Goldberger. 2889

Caregivers already deal with a lot of stress and it's rising.The Caregiver Action Network has been seeing more calls coming into its free help desk recently. It says one out of every three has something to do with a challenge raised by the pandemic.“By the end of the call, I actually will hear them breathing like a deep breath of like sigh of relief almost and that they're actually feeling better at the end of the call, having been able to express some of their thoughts, some of their worries,” said Jennifer Piscitello, caregiving expert with the Caregiver Help Desk.Piscitello says people calling in are expressing a lot of pandemic fatigue. They're overwhelmed, because they don't have the same resources or outlets they had previously.The pandemic may also be keeping loved ones at home longer.“Aging in place has gone from being a desire, a wish, to almost a mandate or something that really has to happen because families are just afraid to have their elderly loved ones put in a nursing home,” said John Schall, CEO of the Caregiver Action Network.Schall says we need more training and financial support for the caregivers in this situation.The expansion of telehealth has been helpful, but one challenge is when caregivers can't be present when that virtual visit is happening, like they would be with an in-person doctor's visit.Experts at the help desk are making sure caregivers focus on their self-care now more than ever. They say you can help any caregivers you know by checking in on them and offering whatever support they need.The number for the help desk is 855-227-3640. You can also find more resources specific to the pandemic at CaregiverAction.org. 1684

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