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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

Canada is the latest country to approve a COVID-19 vaccine candidate made by Pfizer and BioNTech, according to ABC News and the Washington Post.On Monday, Prime Minister Justin Trudeau announced that the vaccine would arrive in Canada next week and that doses would be distributed at that time.The FDA is expected to meet tomorrow to discuss granting Emergency Use Authorization to the Pfizer vaccine. Approval is expected, and Americans may begin receiving doses as soon as next week.The drug has already been administered to some patients in the United Kingdom, who approved the vaccine for emergency use last week. On Wednesday, officials announced that two people with extensive histories with allergies had suffered "adverse effects" from the injections, but both patients are expected to be OK. Officials in the U.K. are now advising patients with similar histories of extreme allergic reactions to not get vaccinated for the time being.Initial efficacy studies showed the Pfizer vaccine to be 95% effective in preventing COVID-19, without serious side effects.A vaccine candidate made by Moderna is also on the precipice of receiving widespread approval from several major western countries. 1206

CENTENNIAL, Colo. — The holiday shopping season is here. And, if we're going to be stuck inside our homes, we might as well make it fun.Get the family together for the newest competitive indoor game, created right here in Colorado.You're in good company this week with Shuffle Golf, which was developed in Centennial and is now available through Walmart's website.Just as the name suggests, it's a combination of shuffleboard and miniature golf."When people start playing, they realize how challenging the game is," said Jeff Storey, the founder of parent company i-Play. "But, the rules are so simple on how to learn."Prior to the pandemic, i-Play created interactive games for kids."We have these floor projection games, table projection games, that are all interactive," Storey said.But seeing a need for more at-home entertainment, and noticing a gap in the golf game market, Storey and his team entered Shuffle Golf into Walmart's Open Call for U.S.-manufactured products.It's an effort by the retail giant to inject millions into America's small businesses. Shuffle Golf won distribution out of 5,000 submissions."The buyer recognized the concept is cool," Storey said. "It's different. It's a quality game. It's made in America. And, that's exactly what Walmart is doing today."The game uses a vibrant carpet mat, which allows for two-way putting, has various scoring sections around the green, and includes negative scores for sand and water hazards. And, you can knock your opponents' ball off the course."It's a great educational tool for math for young kids," Storey said. "And, parents now are having to teach their kids and home school and so forth."But, Storey said the game is great for all ages and all skill levels. And, it can get competitive.It's teeing up the fun, just in time for the holidays."Now, (families) have a new game to play, outside your Bocce Ball, or Monopoly, or all these different traditional games," Storey said. "It's a new game for families to engage in."Shuffle Golf is available through Walmart.com. It will be on store shelves in the spring of 2021.i-Play is donating 10% of its profits from Shuffle Golf to Children’s Hospital Colorado.This story was first reported by Brian Sanders at KMGH in Denver, Colorado. 2263

CAMPO, Calif. (KGTV) - A border watch group says there are glaring holes along the border that can be plugged with the help of troops.The Department of Defense sent thousands of troops across the border to areas like the San Ysidro Port of Entry. “I don’t know all the intelligence, but it seems like (the troops) are all in the areas where the fence is pretty secure,” said Dan Russell with the Minutemen. The Minutemen is a citizen’s group dedicated to watching the border for illegal crossings. If they see any, they report them to border patrol. “Maybe they’re expecting thousands to show up in Tijuana or Tecate, but if they’re there in large numbers all they have to do is get on a bus, take the highway, drive an hour, and come over a wide open border,” Russell said.Russell says his group volunteers to watch the mile of the border just southwest of Campo. In that mile stretch, there are about five gaps along the border wall.“About every quarter mile, you’d want some eyes on the border,” he said. 1045

CARLSBAD, Calif. (KGTV) - A woman was stabbed in the parking lot of the Carlsbad Costco Friday evening, police said. Officers arrived at the store at 951 Palomar Airport Road east of Interstate 5 just before 3 p.m. They found the victim in serious condition with several stab wounds.The suspect, 62-year-old Charles Higgins, left the scene before police arrived. He was arrested later in Temecula with the help of Murrieta Police, the U.S. Border Patrol, and the Riverside County Sheriff's Department.Police say the victim and suspect knew each other and this was not a random act. They have not yet released details about the weapon or what led to the stabbing.Sky10 video captured aerials of the investigation: 735