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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

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, Calif. (KGTV) - A company in Carlsbad is doing its part to help the animals injured by wildfires in Australia.Oska Wellness has donated ten of its patented Oska Pulse devices to animal hospitals in New South Wales."I have a cat and a dog, my daughter has a snake, we're animal lovers," says Dr. Jeff Marksberry. "So anything you can do personally or as an organization, we're going to do."The device uses electromagnetic pulses to help realign the ionic charges within damaged cells. "All of your cells in your body have a plus/minus. They work with electronic properties," says Dr. Marksberry. "When someone's injured, when they have pain, when there's inflammation, those things all change, those properties..."We use the pulsed electromagnetic field to realign those charges to heal the cells."The Oska Pulse has been used on humans since 2015, but Dr. Marksberry says they know for a fact that it works on koalas as well."There was a koala during the 2015 wildfires that made the news for not responding to any pain treatments," he explains. "Our founder donated one of the prototypes to the vets there. The koala had a great response. The koala's name was Oska, so we actually adopted that as our name for the US device."Dr. Marksberry says the ten devices they sent can help treat dozens of patients, since multiple animals can use it at once, and treatment only takes a few hours each day."As long as it's next to the animal, they can still get pain relief from the device and go ahead and get normal rehabilitation treatments they've been getting," he says.For more information about the Oska Pulse or Oska Wellness, visit www.oskawellness.com. 1670

CARLSBAD, Calif. -- The unofficial start to spring in Southern California is about to begin as the beautifully iconic Carlsbad Flower Fields officially open for business Thursday.Visitors will enjoy nearly 50 acres of Tecolote Ranunculus flowers that make up the fields as well as a special nursery, garden and festivals throughout the season. The best time to view the flowers during full bloom is mid-March through mid-April.RELATED: 6 San Diego restaurants on Yelp's 'Top 100' listThe fields are a result of more than 85 years of cultivation that began when an early settler, Luther Gage, settled in the area in the 1920s.Adult tickets are and children ages three through 10 get in for . Click here for more ticket prices and information on the fields. RELATED: AAA's top rated restaurants, hotels in San Diego 847

CHAPEL HILL, N.C. - Vaping and COVID-19.Could using e-cigarettes put you at greater risk for viral infections like coronavirus or the flu? It's a question researchers at the University of North Carolina (UNC) are looking into in the midst of the pandemic.“E-cigarette use has been shown, from this study, not to be safe,” Dr. Meghan Rebuli, Assistant Professor with the UNC Department of Pediatrics said.Rebuli and others at UNC are studying the impacts of viral infections on e-cigarette users.“We want to know what factors will affect someone more, so will smoking make you more at risk for COVID-19, or will e-cigarette use make you more at risk for COVID-19?"In their study, researchers found vaping e-cigarettes could impair your body's normal immune response to viral infections.“E-cigarette users and smokers had a less powerful immune response against the virus,” Rebuli said.“What we found is that these genes and proteins that are really critical to making sure that your immune process and your immune response to this virus is working at top capacity, are impaired,” Rebuli added. “This is really critical when it comes to respiratory viruses and could also potentially be applicable to something like the coronavirus.”News 3 Medical Expert Dr. Ryan Light said this study is important to cut back or stop e-cigarette use to keep you safe.“As we find more out about e-cigarettes, we find that they're more dangerous than we once thought,” Light said. “An ounce of prevention, at this point, is worth a pound of cure.”Both Light and Rebuli believe it's also a reminder to keep up with health guidelines during the pandemic, especially if you vape.“Maybe this should indicate that they need to take kind of hypervigilance or hyperawareness when they're using PPE; when they're maintaining six-foot distance; when they're washing their hands,” Rebuli said.This story was first reported by Zak Dahlheimer at WTKR in Norfolk, Virginia. 1949

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