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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

CAMPO (CNS) - One person was killed today in a traffic crash involving an overturned semi-truck on State Route 94, the CHP said.The fatal crash happened at 12:06 p.m. Saturday when a semi-truck was reported on its side in the right shoulder of SR-94 west of Buckman Springs Road with no other vehicles involved, according to a California Highway Patrol incident log.Caltrans San Diego said all lanes of eastbound and westbound SR-94 were blocked and asked travelers to use an alternate route. The CHP said the freeway would probably be closed for a couple of hours while investigators look into the cause of the crash.No further information was available. 663

Call it futuristic, but in reality, it's science redirected to make people feel better.Eric Rice, founder and CEO of Quanta, gave a virtual tour of his Los Angeles-based lab which produces the muscle Rub.“We have the brain and the body,” Rice said. “The brain does all the calculation. Its where we input information and then the body itself is a gigantic freezer with chambers.”As Rice showed the machines that produce Quanta, and how they work, he said, “Here’s our batches of muscle rub. You can see everything being made. Everything’s organic, natural, grown from the earth. We don’t use any synthetic materials for any of our products.”Running Quanta, he's leading the charge in new technology geared toward pain management."Pain right now affects 22% of the world’s population, or 1.7 billion people daily,” Rice said. “Chronic pain, pain that lasts 3 weeks or longer, that’s considered chronic.”Rice is a former baseball player, so pain is something that Rice knows all too well.“I’m a former athlete and I have horrible knees, shoulders and back,” Rice said. “We started out with a simple muscle rub with a few ingredients and CBD was a great place for us to start. It’s been around, patented, but used for one pharmaceutical solution.”He took the concept of CBD or cannabidiol and applied his knowledge of quantum physics and biochemistry to change molecules, which then makes ingredients more effective.“Imagine my finger point being a nucleus. When you’re alive, electrons rotate like this, really far really fast from the center,” Rice said. “As you die and age, they slow down and get closer to the nucleus. What we do is use our technology to speed it back up and stabilize the cell so we’re creating excited state molecules that don’t ionize and oxidize.”It's a unique business concept, and it's one that even he admits sounds out of this world.“We use really contemporary if not futuristic science to increase the amount of energy to molecules so that we use an ingredient for your skin or your health it performs 3-500 % better than anything else you’ll find in the market,” Rice said.The market he's referring to is topical CBD, which is seemingly everywhere these days.Dr. Richard Sorgnard specializes in electrical cell signaling technology, which is a medical device that treats severe pain.“These are placed on the body in a specific array depending on the diagnosis and then when the machine is turned on it will deliver 12 types of electrical stimulation,” Sorgnard said.He recommends Quanta to his patients, before, during and after the treatment. The machine, he says, treats all kinds of pain and feels like a massage. With Quanta, he says, patients are resolving their problems and not masking them.“We noticed it made a great afterglow for the treatment- when we use them together the patients get a better response for the initial sensation,” Sorgnard said.Rice says Quanta is expanding beyond topical pain relief and into vitamins, supplements and skin care.“I can absolutely see us heavily involved in agriculture, food, beverage anything having to do with energy and natural ingredients is really kind of our focus. Pharmaceutical as well as helping people grow plant matter on different planets,” Rice said.He says Quanta has delayed his own surgeries for years and believes polarizing ingredients is the world's next step into the future and beyond.Rice’s website does note that Quanta’s effectiveness has not been evaluated by the FDA. The FDA adds that while there might be some to CBD products, there are potential side effects that should weighed. More info can be seen here. 3622

Businesses around the country are boarded up streetfront windows and doors ahead of Election Day, apparently in preparation for possible demonstrations following election results. This includes the White House.Federal authorities are putting up a non-scalable fence around the White House Monday, according to CNN, NBC and Fox News. The Associated Press shared images of fencing near Lafayette Square and businesses nearby.The fence is the same type put up during protests this summer, and will encompass the Ellipse and Lafayette Square. It’s reportedly made from welded wire mesh that is tightly woven so it is impossible to get a foothold, or to climb. 663

CARLSBAD (KGTV) -  A new online tool is helping Carlsbad residents voice their opinions on issues and how they prefer their tax dollars spent.Voterfied allows voters to weigh in from their phone or computer. "Who can shout the loudest," was what Carlsbad?Mayor Matt Hall said happened at City Council meetings. "That's not what's best for government, you try to engage as many people as possible," saying the silent majority often went unheard."Their vote goes straight into the elected official's ear, and then the elected official is held accountable because they know how their constituents are voting," COO of Voterfied Lee Ann Allman said.The tool was created when Michael Allman ran for Congress. He wanted a way to easily plug in and crowd source, to discover the needs of the people.Voterfied reached out to Hall first and he held onto the experiment with both hands, "everybody has this equal opportunity, they can hear my voice and I can hear their voice." Lee Ann Allman said there is also an educational component to the tool, "there are links to articles so if a voter wants to find out more about something they can click on the link,"The tool is hack proof and compares information you input to the voter registry, focusing the questions they push out on specific residents.In the six or more months Hall's been testing Voterfied, Carlsbad is already seeing an impact. "Instead of having a community center, the public thought more about having a dog park," Hall said.Carlsbad's next big change? Hall let on future plans could mean a dog beach.As for the future of Voterfied, it's virtually limitless."I think it has great potential," Hall said.Allman hopes to see, "this being adopted by elected officials all over the country, and it can be used at any level."Voterfied's mission statement: 1900

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