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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

CALEXICO (CNS) - The federal government today broke ground on the first border wall replacement project awarded under President Donald Trump.Customs and Border Protection is replacing a 2.25-mile section of border fencing constructed in the 1990s using scrap metal with a 30-foot-high bollard-style wall just south of downtown Calexico. The project covers an area west of the Calexico West Port of Entry, according to the agency.This project ``is one of Border Patrol's highest priority projects,'' according to a CBP statement ``Although the existing wall has proven effective at deterring unlawful cross-border activity, smuggling organizations damaged and breached this outdated version of a border wall several hundred times during the last two years, resulting in costly repairs.'' 794

Chicago police announced at a Monday morning news conference that 66 people were shot, 12 of them fatally, between Friday at 6 p.m. and Sunday at 11:59 p.m.Chicago Police Superintendent Eddie T. Johnson said it was "no secret that we had an unacceptably violent weekend," at the news conference.In three hours beginning at 1:30 a.m. Sunday, records show, 30 people were shot and two killed in 10 incidents. In all, over the weekend, there were 33 shooting incidents. Fourteen juveniles were shot, and an 11- and 13-year-old were killed."The city of Chicago experienced a violent night," Bureau of Patrol Chief Fred Waller said Sunday afternoon. "Some of these instances were targeted and were related to gang conflicts in those areas."In at least one incident, shooters opened fire into a crowded street party, Waller said.Johnson said the issue stemmed from a small group of people such as repeat gun offenders."This isn't a widespread issue among citizens of this city. This is a small subset of individuals who think they can play by their own rules because they continue to get a slap on the wrist when we arrest them," Johnson said."I'm tired of it. Everybody in this city should be tired of it."Johnson said 46 people were arrested this weekend on gun charges, and 60 guns were seized as a result of ongoing investigations. However, he said there have been no arrests made in connection with any violence from this weekend.Experts say crime tends to pick up during the hot summer months, but Chicago Mayor Rahm Emanuel dismissed that."You can talk about the weather, but the weather didn't pull the trigger," he said. "You can talk about jobs, and they count, but in parts of the city where there aren't jobs, people did not pull the trigger."There are values. There are too many guns on the street, too many people with criminal records on the street, and there is a shortage of values about what is right and what is wrong," he added.Of the wounded who reported an age, the oldest was 62 and the youngest 11, police records show.Before the particularly violent Sunday, there were six shootings, none fatal, on Friday, and 15 shootings, one fatal, on Saturday. The Sunday shootings occurred between midnight and 2 p.m., records show.Chicago has struggled with high shooting and murder rates in recent years. Waller said shootings are down 30 percent from 2017, and murders are down 25 percent.June marked 15 straight months of fewer killings and shootings, police said. However, on June 25, at least 21 were shot and two died.Johnson said that both murders and shootings are down on the year, but said this weekend showed there was still a lot to do."Despite what we saw this weekend, I'm still pleased between CPD's work, the mayor's investments, and the work of our community members, that we're still reducing our gun violence this year," Johnson said. "But we still have a lot more work to do, and I think that was evidenced by this weekend." 2966

CARLSBAD, Calif. (KGTV) — A North County company is offering one lucky person the chance to pursue their passion without worrying about the funding to start.The contest is being offered by Carlsbad-based apparel company prAna. The company is looking for one person who is willing to quit their day job and pursue their dream, offering the winner 0,000 to begin their new career.“The goal of this promotion is to spread our 'Clothing for Positive Change' philosophy,” said Jeff Haack, vice president of global marketing at prAna. “By asking the question, ‘how can prAna help you affect positive change in your life,' we are giving our audience a means to share their stories about what positive change looks like for them.”Think you are the right fit for the opportunity? To apply, submit a one- to three-minute video between Aug. 15 and Sept. 16 explaining what your current job is and what your dream job would be — the more inspirational the better. Applicants are also encouraged to show their passion in action.Submission will be reviewed based on passion, boldness, and originality. A winner will be selected and asked to quit their job and share updates on their new journey. Funding will then be distributed in four payments.Visit the company's website here to enter your story. 1296

CARSON (CNS) - San Diego State is scheduled to begin in its coronavirus-delayed football season tonight against UNLV at Dignity Health Sports Park in Carson, its home for this season and next as SDCCU Stadium is demolished and Aztec Stadium is built.San Diego State initially planned to make 2020 its final season at SDCCU Stadium, where it had played since 1967, but being able to expedite its demolition and construction of Aztec Stadium and the stadium's condition when the university took ownership of it from the city prompted a change of plans, according to athletic director John David Wicker.``The building was not in very good condition when we took it over,'' Wicker said at a Sept. 15 news conference announcing the decision. ``The amount of effort and dollars to get it up to speed to have people able to come in was somewhat challenging.''The university considered a site in San Diego to play its games until the planned opening of Aztec Stadium in 2022, ``but when you think about a Division 1 football experience and all of the different things that go along with that there wasn't a venue in town that was going to be consistently available for us to play in,'' Wicker said.``We just didn't think there were any venues in San Diego that could satisfy what we wanted to present for our student-athletes and also our fans,'' Wicker said.``As you think about some of the things around the game, our television partners and having the ability to come in and set up and do the television experience we want to put out led us to where we are today.''Fans will not be allowed to attend Saturday's game because of state health orders related to the coronavirus pandemic. It is unlikely they will be able to attend the Aztecs' three other games in 2020 at the 27,000-seat stadium, best known in the San Diego area as the home to the Los Angeles Chargers from 2017-19.The game marks the start of Brady Hoke's second stint as San Diego State's coach. He succeeds Rocky Long, who retired on Jan. 8, then on Jan. 27 was hired as New Mexico's defensive coordinator on his 70th birthday.Hoke coached San Diego State to a 13-12 record in 2009 and 2010, including a 35-14 victory over Navy in the 2010 Poinsettia Bowl, the Aztecs' first bowl game since 1998.Hoke then coached Michigan from 2011-14, getting fired in 2014 after the Wolverines were 7-6 and 5-7 in his final two seasons. They were 11-2 and 8- 5 in his first two.Hoke returned to San Diego State in 2019 as the defensive line coach. The Aztecs return seven starters on offense and eight on defense from a team that went 10-3 in 2019, including a 48-11 victory over Central Michigan in the New Mexico Bowl.Redshirt sophomore quarterback Carson Baker is set to make his second career start for the Aztecs. He completed 19 of 24 passes for 172 yards and a touchdown in a 13-3 victory over Brigham Young in the regular-season finale.The game also marks Marcus Arroyo's debut as UNLV's coach. Arroyo succeeds Tony Sanchez, who was fired after posting a 20-40 record over six seasons, including 4-8 records each of his final two seasons. Sanchez was Oregon's assistant head coach and offensive coordinator in the 2018 and 2019 seasons. 3199

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