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CAMP PENDLETON, Calif. (KGTV) - The Recon Challenge at Camp Pendleton takes Marines through a grueling 30-mile course, comprised of obstacles including a 1,000-yard open-ocean swim, mountainous terrain, and underwater knot-tying exercises.The challenge honors the fallen Marines of Operation Iraqi Freedom, Operation Enduring Freedom, and Operation Inherent Resolve. Participants run in the name of a fallen Marine, paying tribute by hanging dog tags on the iconic battlefield cross at the finish line."It's probably a collection of some of the toughest people on the planet, I mean it's, imagine a marathon but you're carrying 50 pounds plus you're swimming in the ocean, the pools, and doing these other events," said Adam Sorensen, who was medically retired from the Marine Corps two years ago. Sorenson's group was made up of Marines from 3rd platoon, commonly known as "LOWLIFE," Force Reconnaissance Company, 1st Reconnaissance Battalion, 1st Marine Division.PHOTOS: Camp Pendleton Recon Challenge 2019In addition to carrying the name of a fallen comrade, they also carried their comrade Jonathon Blank, who was medically retired after both of his legs were severed after stepping on an improvised explosive device in Afghanistan in 2010. "They are the guys you can count on the rest of your life, I mean it when I say they're my brothers," said Blank, who used prosthetics to cross the finish line.The event is also a chance for Gold Star Families to reunite with those their loved ones served with. One group of Marines completed the course in honor of Staff Sgt. Caleb Medley, who was killed during a training accident in 2013."It's like a family reunion, it's hard in a way, but it's really a joyful time because you're reconnecting with those people who served with Caleb, who had a bond with Caleb," said Diane Homm, Medley's mother. "When they say they're going to be there for you for the rest of your life they mean it, because they are, they're there for you." 1984

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 (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

CARROLL COUNTY, Ind. -- There were no survivors from a plane crash Thursday night in Carroll County, according to Indiana State Police. The Cessna 441 went down around 7:30 p.m. local time in a field near Carroll County Roads 500 West and 600 South, just north of Rossville.The plane took off from Eagle Creek Airport in Indianapolis at 7:21 p.m., according to flight records. It was headed to Green Bay-Austin Straubel International Airport in Green Bay, Wisconsin.At 7:39 p.m., data shows that the plane was between 18,000 feet and 28,000 feet when it disappeared off radar, sources told Scripps station WRTV in Indianapolis. Shortly after, multiple people called 911 in Carroll County, reporting a plane down. People who live in the area who heard the crash say it sounded like thunder.First responders had trouble finding the wreckage at first because it was so dark and far back in a field. They eventually used ATVs and other off-road vehicles to access the area. WRTV learned that there were at least three people on board.There is no word on what caused the plane to go down. Officials with the FAA and NTSB are expected to arrive on the scene Friday morning to begin their investigation.  1275

CARLSBAD, Calif. (KGTV) - Two women say the same massage therapist sexually assaulted them at the upscale Omni La Costa Resort and Spa in Carlsbad.They've now filed a lawsuit against the massage therapist and the resort for sexual battery and negligence, among other complaints."I'm emotional. I'm volatile. I have never been like that," says the woman. She asked that we not release her name because of the nature of the alleged crime. She says she's now struggling after a harrowing experience at the high-end resort. 527

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