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Can someone in this election truly be undecided in this election? Sure they can. With less than 70 days to go until the election, undecided voters are poised to play a deciding role in whether President Donald Trump or Joe Biden is the president of the United States come the end of January. GEOGRAPHY MATTERSWhile undecided voters matter everywhere, they really matter in crucial counties in swing states. Luzerne County, Pennsylvania, is one example. In 2008 and 2012, this county, which encompasses towns like Wilkes-Barre, voted for President Barack Obama. In 2016, the county voted for Trump. Luzerne is one of three counties in Pennsylvania to have flipped like that. Political scientists refer to counties like these as "pivot counties." WHAT UNDECIDED VOTERS ARE SAYINGRobert Rinaldi is a school bus driver in the county. His lunch buddy, Gene, at D's Diner likes Trump but Rinaldi isn't sure. "I guess I’m hearing a lot of these negative stories and it’s confusing me," Rinaldi said. "Like for instance, this last one with his sister, a retired judge, she’s blasting the guy," Rinaldi said. Meanwhile, Rinaldi is unsure about Joe Biden. He is growing agitated Democrats repeatedly say he is from nearby Scranton. "It's starting to get old, I understand he used to live here but he's been gone for so long," Rinaldi said. Other customers are undecided for other reasons"I don’t think I’ll ever vote unless something drastic happens," Aubree Patronick, a mom said while eating a club sandwich. Patronick doesn't think she'll cast a vote in this year's election. She is tired of the noise and angry Facebook posts."I don’t need a thousand people coming at my comments," Patronick said. Then there is John Colon, who just left the Army. "I truly don’t know who the lesser of two evils is," Colon said, commenting about Biden and Trump. 1850

CARLSBAD, Calif. (KGTV) -- As a way to deal with San Diego’s growing roadway congestion, more communities are installing mini-roundabouts to slow speeding drivers. Yet some neighbors in North County are calling them death traps.If you take a drive down Cassia Road in Carlsbad, you’ll see mini-roundabouts, also known as mini-circles, that are causing a big fuss. Fire Captain Nick Valenzuela lives in the neighboring community. “I've come down [to the road] because I’ve heard traffic accidents from my house and come down and helped people,” he tells us.“I've seen the aftermath of at least two accidents,” adds neighbor Mark Bua, who is also a police officer. Bua says the mini-circles are so small that drivers blow right past them without yielding for oncoming traffic. He shared photos of debris from some of the collisions.The mini-circles on Cassia Road were installed at the end of 2016 as a way to slow traffic in bustling North County.Mini-circles have had great success in other booming cities like Seattle, which now has more than 1,000 of them with a 90% reduction in collisions.Dan Burden is a renowned traffic expert. He was once named one of the most important civic innovators in the world, according to TIME Magazine. We asked Burden to review photos of the Carlsbad mini-circles. “[They’ve] got some design issues,” he told us. “In this case the circle is so small and there's no consequence in getting close to it. They're designed in a way that a motorist could go much too fast,” he adds.Burden is a fan of mini-circles, if they're done right. He says they're easier on cars than speed bumps and create better flow than stop signs. "They slow traffic down to 15 to 20 miles per hour upon entry,” he adds.However, Carlsbad neighbors claim they’re playing chicken with speeding drivers and lives are at risk.10News submitted a request with the City of Carlsbad to review the number of recent collisions Cassia Road. According to reported incidents, collisions actually appear to have dropped since the mini-circles were installed.Nearby Leucadia is hoping to soon install mini-circles along the congested North Coast Highway 101. A few years ago, the mini-circles were installed in the Bird Rock community of La Jolla, where motorists are now driving half as fast as they used to. On Harbinson Avenue in La Mesa, the circles were removed a few years after neighbors complained about safety concerns.The City of Carlsbad is reportedly monitoring and making refinements to the mini-circles on Cassia Road, but is aware of residents’ concerns and will consider making more changes in the upcoming months.“This is Carlsbad. Things are supposed to be done right. This is not right. This [was] not done right at all,” adds Valenzuela. 2782

CHESTERFIELD COUNTY, Va. -- Even though his truck does not have sirens and his uniform does not offer added fire protection, Anthony Gaskins is considered a hero in the Hallsley neighborhood in Chesterfield County, Virginia.Gaskins is a driver for UPS and during the pandemic, his daily deliveries have been life-saving, both literally and figuratively, to the Midlothian neighbors. "Through COVID, Anthony has continued working, delivering packages at our doors, record numbers of them, over 180 times to date," Hallsley neighbor Patty Friedman wrote in an email. "I wanted to thank him personally for how much he helped me feel welcome when I moved in during a pandemic. It was terribly lonely and he was always the highlight of my day. Mentioning this to a few people and the response I got was all I needed to know I was not alone." 844

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

CAMP PENDLETON, Calif. (KGTV) — One man was killed early Thursday after his vehicle overturned and he was thrown from the vehicle in the North County.The crash occurred just before 5 a.m. on southbound Interstate 5, south of Basilone Rd., according to California Highway Patrol. CHP believes the 40-year-old driver of a Toyota 4-Runner was traveling southbound when for unknown reasons, he left the roadway. The vehicle overturned and the man was thrown from the SUV.CHP, Camp Pendleton Fire Department, and North County Transit District responded to the scene, but the man died at the scene. He was not immediately identified.Investigators said they don't believe alcohol or drugs were a factor in the crash, and are still looking into the crash. 755