Aurelia Butler

The lowest overall cost is to buy a car and keep it for a long time. But leasing usually has lower monthly costs. And leasing an E.V. may come with a tax break.Most people have two options when they want a new car: buy it with a traditional loan or lease it.Either can make sense, depending on your personal situation.If you’re looking for the lowest overall cost over the longer term, buying a car with a loan, and then driving it for a while debt free after you finish making payments, is usually the best option.But if low monthly payments and a smaller down payment are a priority, a lease may be worth considering. And if you’re willing to try an electric vehicle or a plug-in hybrid, tax breaks available for leased models may make deals more affordable. Almost half of new E.V.s were acquired with leases in the second quarter of this year, up from around a fourth a year earlier, according to data from Experian.The Federal Reserve’s decision on Wednesday to cut its benchmark rate by half a point indirectly affects rates on car loans, which are also influenced by factors like the borrower’s credit score and the level of loan delinquencies. The average interest rate for a new-car loan in August was 7.1 percent, and 11.3 percent for a used-car loan, according to the automotive site Edmunds. “It will take a number of additional rate cuts before the cumulative effect becomes material for car buyers,” said Greg McBride, chief financial analyst at Bankrate.Paying cash for your car is, of course, interest free. But while car prices have eased somewhat, they remain high. The average transaction price in July was around $48,000 for a new car, and about $25,000 for a used car, according to Kelly Blue Book, part of Cox Automotive. Most people who buy a new automobile and many who buy one used get some kind of financing.With a traditional loan, you make a down payment and then pay off the debt with fixed monthly payments over time. (The average new-car loan term is about six years.) When the loan is repaid, you can keep the car and drive it payment free or trade it in and get credit for its value toward your next car purchase.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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Former President Donald J. Trump, speaking on Thursday at a campaign event in Washington centered on denouncing antisemitism in America, said that “if I don’t win this election,” then “the Jewish people would have a lot to do with a loss.”Mr. Trump repeated that assertion at a second event, this one focused on Israeli Americans, where he blamed Jews whom he described as “voting for the enemy,” for the hypothetical destruction of Israel that he insisted would happen if he lost in November.Mr. Trump on Thursday offered an extended airing of grievances against Jewish Americans who have not voted for him. He repeated his denunciation of Jews who vote for Democrats before suggesting that the Democratic Party had a “hold, or curse,” on Jewish Americans and that he should be getting “100 percent” of Jewish votes because of his policies on Israel.Jews, who make up just over 2 percent of America’s population, are considered to be one of the most consistently liberal demographics in the country, a trend that Mr. Trump has lamented repeatedly this year as he tries to chip away at their longstanding affiliation with Democrats.Much as he repeatedly spins a doomsday vision of America as he campaigns this year, Mr. Trump has pointed to Hamas’s deadly Oct. 7 massacre and to the war in Gaza as he has insisted that Israel will “cease to exist” within a few years if he does not win in November.“With all I have done for Israel, I received only 24 percent of the Jewish vote,” he said during his earlier speech on Thursday, at a campaign event where he spoke to an audience of prominent Republican Jews — including Miriam Adelson, the megadonor who is a major Trump benefactor — and lawmakers. Mr. Trump added that “I really haven’t been treated very well, but it’s the story of my life.”We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

Jackson Matz opens our solving weekend.Jump to: Tricky CluesFRIDAY PUZZLE — Jackson Matz, the constructor of today’s puzzle, is a high school senior who is going through the college application process, a notoriously stressful time in a teenager’s life. I don’t know if we can persuade his first choice of school to admit him, but perhaps if we all cross our fingers and send him good wishes we can help him out.While he’s waiting to hear back from colleges, Mr. Matz is making puzzles, which is a perfectly normal and relaxing thing to do when you’re under stress. (That’s a lot funnier if you’ve ever tried to construct a crossword.)Today’s puzzle has intersecting 15s, a feature that I love. It’s fun to take an overall guess at a grid-spanning entry, write in the letters one by one and hope that, by the time you get to the end of it, you have the entire thing correct. When a crossword has many of these crossing spanners, the fun increases, as does the amount of 10D that I can conquer in the grid by simply solving a few entries.Shorter answers can help fill in crossing entries, but for my money it’s those long answers that make solving themeless puzzles so much fun.Your thoughts?Tricky Clues1A. The philosophy of THEISM was [influenced by Aristotle’s concept of the Unmoved Mover], a being that represents God. According to Britannica.com:“Aristotle’s fundamental principle is that everything that is in motion is moved by something else, and he offers a number of (unconvincing) arguments to this effect. He then argues that there cannot be an infinite series of moved movers. If it is true that when A is in motion there must be some B that moves A, then if B is itself in motion there must be some C moving B, and so on. This series cannot go on forever, and so it must come to a halt in some X that is a cause of motion but does not move itself — an unmoved mover.”7A. As soon as I saw the phrase “pig tales” (as opposed to the hairstyle called “pig tails”) in the clue [Four-year-old in pig tales?], I assumed the answer was Fern, the young girl who rescued Wilbur, the pig in “Charlotte’s Web.” Unfortunately, that name didn’t fit the five-letter slot. Once I had the first and the last letter of 7A filled in, I realized that the answer was PEPPA Pig.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

The police say a sheriff shot District Judge Kevin Mullins inside the courthouse on Thursday afternoon before turning himself in.The sheriff of a rural eastern Kentucky county walked into a courthouse on Thursday afternoon and shot and killed a district judge in his chambers after an argument, the police said.Mickey Stines, 43, the sheriff in Letcher County, turned himself in after shooting Judge Kevin Mullins and was charged with first-degree murder, Trooper Matt Gayheart of the Kentucky State Police said at a news conference on Thursday evening.The shooting happened at about 2:55 p.m. inside the Letcher County Courthouse in Whitesburg, a city in southeastern Kentucky.The sheriff was taken to a local jail and had been cooperative with investigators, Trooper Gayheart said.“This community is small in nature, and we’re all shook,” the trooper said.Judge Mullins, 54, suffered multiple gunshot wounds and was pronounced dead at the scene, Trooper Gayheart said.Investigators were interviewing witnesses who were in the building at the time of the shooting. The police were still trying to determine what had led up to the argument.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

From its perch way Off Broadway, the long-running satire slings its affectionate arrows at Patti, Audra and the rest.At its best, topical satire, which is what the “Forbidden Broadway” franchise has been slinging for 42 years, is both timely and well targeted. The timeliness means that audience members know the material being ribbed; the targeting makes sure they know why.Admittedly, timeliness is a vague concept when your subject is Broadway, where the targets recur at regular intervals. It’s thus not a big problem that many of the songs in the show’s latest edition — which opened on Thursday at Theater 555 in the far west reaches of Hell’s Kitchen — send up musicals and performers that Gerard Alessandrini, who created, writes and directs the series, has sent up before.But the targeting in this outing, subtitled “Merrily We Stole a Song” in a nod to the flood of Sondheim revivals, including “Merrily We Roll Along,” is too often hazy. The opening number, repurposing “Sit Down, You’re Rockin’ the Boat” from “Guys and Dolls” as “Sit Down, You’re Blocking the Aisle,” feels like a title that went looking for a topic. (It’s about rude patrons.) A segment about the upcoming “Gypsy” revival posits the unlikely idea that Audra McDonald is haunted by the ghosts of previous Roses. (“Merman’s gotta let go!”) Having to admit that Lincoln Center’s revival of “South Pacific” was terrific (even if its “Camelot” was “horrific”) turns a Tchaikovsky-themed takedown of that institution into a shrug.To be sure, those numbers, and most of the others, are performed well by the four-person company, if rarely as well as they would be if performed by the people they are parodying. That’s a built-in problem when satire has little to satirize; if the worst snipe you can take at McDonald is that she’s a glorious soprano and Merman wasn’t, you’re not going to be able to throw much shade.Punching wild is also a problem here. Instead of using relevant songs to make his points, Alessandrini sometimes conscripts baffling outliers into service. A takeoff called “Great Gatsby for Dummies,” featuring a wicked Jeremy Jordan impersonation by Danny Hayward, is paired with the irrelevant song “Good Morning” from a 1939 movie. And a running gag in which Doc Brown and Marty McFly visit Broadway past and future, with a young Sondheim strangely in tow, is so in the weeds it has ticks. (It does, however, offer a glimpse of the 23rd century’s Ozempic Theater.)Punches perfectly thrown at the ripest subjects provide the evening’s better moments, even if some of the low blows are mere sideswipes. Of Ariana DeBose’s recent award show hosting, Alessandrini writes: “A girl like that/Could kill the Tonys.” Chris Collins-Pisano does a deadly Ben Platt channeling Liza at the Palace in his recent run there: “Everybody loves charisma/So nobody loves me.” And a rewrite of “The Ladies Who Lunch” provides Jenny Lee Stern, a longtime “Forbidden Broadway” standout, with the opportunity for a pithy comment on Patti LuPone’s extreme mannerisms in the 2021 “Company” revival: “I’ll sink to that.”We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

In a hidden-camera video posted by a conservative podcaster, Dr. Jay K. Varma boasts about flouting the public health guidelines he insisted others follow.The official in charge of New York City’s pandemic response participated in sex parties and attended a dance party underneath a Wall Street bank during the height of the pandemic, even as he was instructing New Yorkers to stay home and away from others to stop the spread of Covid-19. He acknowledged his transgressions on Thursday after being caught on hidden camera boasting about his exploits.The video of the official, Dr. Jay K. Varma, who was City Hall’s senior public health adviser under Mayor Bill de Blasio from April 2020 to May 2021, was posted on Thursday by the conservative podcaster Steven Crowder.The video appears to have been compiled from several recordings, in which Dr. Varma is seen at a number of restaurants and cafes, chatting with a woman who remains off camera. At various points, he describes a sex party he and his wife held in a hotel and a dance party he attended in a space under a bank on Wall Street, joined by more than 200 people.In a statement, Dr. Varma did not dispute the recordings’ authenticity but said they had been “spliced, diced and taken out of context.” He said he attended three gatherings between August 2020 and June 2021.At the time, public health officials in New York, like those in cities and countries around the world, were frantically seeking to contain the virus and Covid’s rising death toll by encouraging people to wear masks and avoid large gatherings. New York City schools were abruptly closed beginning in March 2020. Indoor dining in restaurants was forbidden. Masking indoors in public places was mandatory.“I take responsibility for not using the best judgment at the time,” Dr. Varma said in his statement.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

Subscribe to Popcast!Apple Podcasts | Spotify | Amazon Music | YouTubeOn this week’s episode of Popcast, the pop music critic Jon Caramanica and the pop music reporter Joe Coscarelli discuss how musicians, both mainstream and more obscure, have figured into the current presidential campaign, including:An endorsement of Kamala Harris from Taylor Swift, plus the role of Beyoncé’s music in the Harris campaignDonald J. Trump’s recent embrace of rappers and reggaeton stars, in addition to his support in the country music worldHow Trump is finding new audiences via podcasters like Theo Von and the Nelk Boys, as well as via the stars of livestreaming services like Twitch and Kick, including Adin RossHarris’s full dive into the meme ecosystem following her inclusion in Charli XCX’s “brat summer”Connect With Popcast. Become a part of the Popcast community: Join the show’s Facebook group and Discord channel. We want to hear from you! Tune in, and tell us what you think at [email protected]. Follow our host, Jon Caramanica, on Twitter: @joncaramanica. More