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CHICAGO -- Right now, nine COVID-19 vaccines are in or near a large-scale human trial phase. But enrollment of minorities in the trials remains a challenge. This is despite a disproportionate number of African-Americans impacted by the coronavirus.Earlier this month, ads from the National Institutes of Health began airing asking Black people and Latinos to volunteer for the coronavirus vaccine trials.“Operation Warp Speed” may be moving quickly, but pharmaceutical companies are having a difficult time getting Black and brown participants.“What we really bring to the table is moral persuasion and encouraging our population to participate in safe and ethical clinical trials,” said Reverend Anthony Evans, the president of the National Black Church Initiative. Over the past 15 years, they’ve worked with the pharmaceutical industry to boost Black representation in more than a dozen previous clinical trials.“I think that we can be a major help to both the government and the pharmaceutical industry if they use us,” said Evans.The Black community has been hesitant to take part in medical research and clinical trials because of a history of past abuse.Most infamously, the 40-year Tuskegee Syphilis Experiment that used Black men to study what happened when the disease went untreated.“They were just basically experimented on without their knowing about it or their understanding what was happening. And a lot of people had very bad outcomes because of this,” said Dr. Emily Landon, an infectious disease specialist at University of Chicago Medicine.A recent Pew study found that Black Americans are still more skeptical of experimental treatments and a potential COVID-19 vaccine than Hispanic and white adults.Add to that, most of the current trials are recruiting mainly online, something experts say often results in mostly white people enrolling.“We will know more and be able to do a better job in caring for our friends and patients of color if we have more participation in these trials,” said Landon.Moderna had to delay trials because of a lack of diversity. As of earlier this week, 13% of Moderna’s enrollment volunteers were Black and 51% white. At the same time, only 8% of Pfizers volunteers are Black and 75% white.“They are going to have a significant shortfall of data when it comes down to African Americans and other groups, especially Latinos, and simply because they have not made the efforts,” said Evans.In the end, the vaccine must be at least 50% effective to receive FDA approval. Without a diverse group of volunteers, experts say it could be difficult to know just how safe and effective the vaccine actually is across races. 2672

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

CAMPO, Calif. (KGTV) -- A man was arrested after reportedly assaulting two Border Patrol agents as they attempted to arrest him for trying to smuggle people into the U.S. According to the agency, the incident happened around 1:17 a.m. Tuesday as agents patrolled Interstate 8 in Campo. Agents tried to stop a 2007 Ford F-350 near Kitchen Creek Road when the driver took off, leading agents on a high-speed chase. RELATED: 14-year-old tried to smuggle meth strapped to body, CBP saysAccording to Border Patrol, agents successfully deployed a tire deflation device, forcing the vehicle to stop a short distance later, but the driver got out and fled on foot. As agents searched for man, he reportedly jumped out of a nearby bush, tackling one of the officers to the ground. A second agent also responded to the scene, struggling with the suspect as well. Inside the F-350, agents found three men and one woman, all Mexican nationals in the U.S. illegally. They were all taken to a Border Patrol station for processing and the suspect, identified as a 37-year-old U.S. citizen, was arrested. RELATED: Woman tries to smuggle meth with 7-year-old in car, Border Patrol says“The Border Patrol like any Law Enforcement job is inherently dangerous. The Border Patrol is comprised of a highly trained / multi-disciplined work force. Our agents are trained and equipped to properly confront any situation they may encounter in the field,” said San Diego Sector Acting Division Chief Patricia McGurk-Daniel. “The ambush and assault of our agents will not be tolerated and this case will be prosecuted to the fullest extent of the law in order to protect our workforce and the community.” 1684

CARLSBAD, Calif. — A North County company says it's closing in on the technology to keep lithium-ion batteries from igniting.In the last year, the rechargeable batteries have caught fire in Teslas, E-cigarettes, and smartphones. The incidents led to an emergency ban by the Federal Aviation Administration prohibiting shipping the batteries on passenger planes. "The issue has always been there, but now I think because lithium is so prevalent, we're seeing increased cases," said Jenna King, chief executive of Carlsbad-based Amionix.Kings said the industry has largely focused on protecting the battery from the outside, such as through cooling systems and protective layers. She said the batteries ignite due to an overcharge situation or internal short-circuit. Amionix instead is developing what it's calling SafeCore, essentially a circuit breaker on the inside to keep the battery from igniting. "If your battery management fails, or it's never even active because it's an internal short within the cell, our technology is going to protect you," King said. King said Amionix is now working with companies across industries to make sure their product works with their technologies. She declined to specify the companies but said they are well-known. She hopes to have the safety product in consumers' hands by next year, noting that it's inexpensive to manufacture and therefore should have a negligible impact on consumer prices. 1445

CANBERRA, Australia (AP) — An Australian senator had a raw egg cracked over his head and faces censure from his fellow lawmakers after sparking outrage by blaming Muslim immigration for the New Zealand mosque shootings.Sen. Fraser Anning came under blistering criticism over tweets on Friday including one that said, "Does anyone still dispute the link between Muslim immigration and violence?""The real cause of the bloodshed on New Zealand streets today is the immigration program which allowed Muslim fanatics to migrate to New Zealand in the first place," he said in a statement.Television cameras caught a 17-year-old boy breaking an egg on Anning's head and briefly scuffling with the independent senator while he was holding a news conference Saturday in Melbourne. 780