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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

Channing Tatum is releasing his first children's book called "The One and Only Sparkella."The actor announced the news along with a photo of himself with the book on Twitter."I don’t know about you but things got a little weird for me in quarantine," Tatum tweeted. "I locked myself in my daughter’s room & found my inner child. So this is what I created for my little girl. From what is, I guess, the little girl in me. Thx for reading. #Sparkella." 462

CARLSBAD, Calif. (KGTV) - The dollar value racked up by the Apple store bandits is now climbing toward the million-dollar mark.Surveillance images from an Apple store in Carlsbad in May show a group of men in hoodies walking in and immediately getting to work."They quickly grab the products on display near the front of the store," said Mark Herrring, coordinator of the San Diego County Crime Stoppers program.Investigators believe the same men hit the same store in June and several times in July."They flee the store, usually to a vehicle that is waiting for them," said Herring.The thieves have apparently shopped around for local targets.  Authorities released more images from a similar case at an Apple store at Westfield North County on July 9.  Detectives believe the local cases are linked to other grab-and-runs from across the state this year."Currently there are  approximately 30 cases throughout the state. The merchandise is valued at about 0,000."In some cases, people have gotten hurt. In a theft in Costa Mesa, the thieves punched and kicked an off-duty police officer trying to stop them before they ran off. Sources tell 10News the thieves hit three stores last Friday night, including one in Temecula.    "Most likely an arrest in this case is the only way this stops," said Herring.In one of the cases outside San Diego County, witnesses saw the men take off in a silver Infiniti sedan.  If you have any information, call Crime Stoppers at 888-580-8477. 1548

CARLSBAD, Calif. (KGTV) - The owner of Lhooq Books is hoping the community can help him out, after being served with a 60-day notice to vacate.Sean Christopher has owned and run Lhooq Books on Carlsbad Village Drive for a decade. His book store specializes in rare books. It also features a public library outside, where people can either buy books for a donation or borrow them. It also hosts small public art events.But all of it is at risk.Christopher says he contacted his leasing company, Pacific Coast Commercial, in September to ask about the state of his rental agreement. Instead of getting answers, he says they served him with a notice to vacate."It was a complete and utter shock," says Christopher. "There was not even a hint that anything was wrong."In addition to being forced to leave his store, Christopher says he's also been told to leave his home, which he rents from the same company. The store and home are both on the same plot of land.Christopher says part of the shock came because of all the work he's done on the property. He estimates that he's spent thousands of dollars to clean up the home and renovate the store."I've basically replaced, repaired or deep cleaned absolutely every inch of the property," he says.He also says he had an agreement with the owner to do more work over the next few months to add a new entrance to the book store and a new storage shed in the home's yard.Now, he's confused why the owner would make that agreement and then force him out.Christopher says there's no way he can uproot his life, family and business in under two months."To find a suitable retail store, and a home, and then pay security deposits and first and last month's rent on both, while continuing to pay rent here, it's literally impossible," says Christopher.When he reached out for a follow-up with the rental company, Christopher says they told him their decision was "just business."They also told him to stop calling, or he'd be given a 3-day eviction notice.Now he wants to fight back. Christopher says he understand's the owner's rights to end his lease, but he hired a lawyer to try and get an extension."I'm not being unreasonable," he says. "I'm just trying to get a compromise, a resolution so that I can relocate without maxing out my credit cards or going bankrupt and possibly homeless."To help pay legal fees, Christopher has set up aGoFundMe account. He's also asking his customers to reach out to local leaders to see if there's anything the City of Carlsbad can do to help.10News left messages with Pacific Coast Commercial to ask about the situation. They did not return our calls. 2638

CAMP PENDLETON (CNS) - A U.S. Marine was fatally injured in a tactical- vehicle accident at Camp Pendleton, the Marine Corps announced Monday. The serviceman was one of three members of the elite Marine Raider Regiment involved in the accident, which occurred during a training exercise on Saturday, according to Maj. Nicholas Mannweiler of U.S. Marine Corps Forces, Special Operations Command.The critically injured Marine was airlifted to a trauma center, where he was pronounced dead Sunday night, Mannweiler said. His name was withheld pending family notification.RELATED: Camp Pendleton Marine missing from Sierra backcountry ski tripThe other two patients were treated for minor injuries.Further details on the single-vehicle accident were not immediately available. An investigation into its cause is ongoing, according to Mannweiler. 849