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WASHINGTON (AP) — Their hopes fading for Senate control, Democrats had a disappointing election night as Republicans swatted down an onslaught of challengers and fought to retain their majority.Former Colorado Governor John Hickenlooper defeated incumbent Sen. Cory Gardner, while ex-college football coach Tommy Tuberville won back Alabama’s Senate seat for the GOP, defeating Sen. Doug Jones.Later in the evening, Mark Kelly, a NASA astronaut, and husband to former Rep. Gabrielle Giffords defeated Sen. Martha McSally.Republicans also held their own in high-profile races in South Carolina, Texas, Kansas, Iowa, and Montana, narrowing the political map.Respectively, Sen. Lindsey Graham won against Democratic challenger Jaime Harrison, Sen. John Cornyn defeated Mary Hegar, Roger Marshall won against Barbara Bollier, Sen. Joni Ernst defeated Theresa Greenfield, and Sen. Steve Daines beat Gov. Steve Bullock.It was a jarring outcome for Democrats who had devised an expanded political map, eager to provide a backstop against President Donald Trump and his party’s grip on the Senate.The races attracted an unprecedented outpouring of small-dollar donations from Americans apparently voting with their pocketbooks to propel long-shot campaigns.Democrats did retain their Senate seats in Oregon, New Mexico, Minnesota, Illinois, New Hampshire, Massachusetts, Rhode Island, New Jersey, and Virginia.Both parties saw paths to victory, but options are becoming more limited.As of about 2:30 a.m. Wednesday, there were still some Senate races to be called. Races in these states still hadn’t been called by The Associated Press: Michigan, Maine, North Carolina, Alaska, and Georgia.The outcomes might not be known until the days to come.And in Georgia's special election, Republican Sen. Kelly Loeffler and Democrat Raphael Warnock have advanced to a Jan. 5 runoff for Loeffler’s Senate seat. They’re the top two finishers in a crowded field that also included Republican Rep. Doug Collins. But no candidate was able to get the 50% threshold needed in order to win outright.Loeffler, a wealthy businesswoman, was appointed last year to replace retiring Sen. Johnny Isakson. Warnock is pastor of the Atlanta church where the Rev. Martin Luther King Jr. preached. He’s trying to become Georgia’s first Black U.S. senator.The voters’ choices will force a rethinking of Democratic Party strategy, messaging, and approach from the Trump era. 2444

We’re all feeling effects of the current recession, whether it’s the rising cost of groceries or the pervasive economic uncertainty. But some are feeling a bigger impact than others, and data indicates renters are disproportionately affected.Half (50%) of American renters had used or planned to use their government stimulus check for necessities at the time of an early May NerdWallet survey, conducted online by The Harris Poll. That’s compared with 32% of homeowners. Three in 10 renters (30%) used or planned to use it to pay rent, whereas 15% of homeowners used or planned to use it on their mortgage.Renters are vulnerable when expenses grow or income is slashed, due to lower average incomes compared with homeowners. Further, they don’t have access to the same built-in relief valves as mortgage-holders — such as forbearance or loan modification — when they can’t pay their monthly housing costs.Federal, state and local eviction bans protected some renters for several months, but many of those orders have since expired, and possible extensions are uncertain. Without those protections, many tenants could be on a fast track to trouble, and even with those safety nets in place, the rent bill will eventually come due.Housing costs take a bigger bite of renter incomeRenters have less insulation from economic crises. Not only do they earn less, on average, but they also spend more of their income on housing. While a loss or reduction of income could instantly push these households to the breaking point, even minor setbacks can send them closer to the edge.Renters spend 31% of their income on housing costs on average, compared with homeowners, who spend 20%, according to U.S. census data. The rising cost of groceries, unexpected medical bills, supplies for a child’s at-home education — these could pile up to make monthly bills unmanageable, even if household income isn’t affected by reduced work hours or unemployment.This isn’t to say homeowners aren’t feeling the effects of record unemployment and economic upheaval. While many homeowners have been able to take advantage of record low interest rates to refinance their mortgages, more than 8 million homeowners didn’t make their June house payments, according to the mid-July Household Pulse Survey from the U.S. Census. But that’s just 6% of homeowners, compared with 18% of renters who couldn’t pay their June rent.There is also evidence that populations hardest hit by unemployment are among the most likely to rent. For example, people in their 20s are the only age decade that’s more likely to rent than own, according to census data, and 34% of unemployment claims are being filed by those aged 22-34, more than any other age group, according to data from the Department of Labor. Also, 49% of people working in the hotel and food industry live in rentals — a far higher rate than the 36% of Americans overall — and this industry represents the greatest share of all unemployment claims.Web searches for rent relief terms peaked, and peaked againEvidence of the sustained impact on renters can be seen in Google search data, where it’s a safe assumption that people searching for terms such as “rent relief” and “rent assistance” are either experiencing or anticipating difficulties paying the rent.In mid-March, searches for terms related to housing relief jumped to levels not seen before. And while “mortgage relief” was far more common than “rent relief” or “rent assistance” that month, those terms have sustained greater search interest throughout the summer.Unlike mortgage relief terms, which have waned since April, rent relief terms sustained higher-than-normal volume after the initial jump, and peaked again in mid-July. They’re currently trending lower than both peaks, but higher still than seen in the years before the pandemic.What renters can doTenants having difficulty paying the rent have a few options at their disposal, but they may have to make tough decisions in the coming weeks and months. A legal eviction can make it difficult to find safe, affordable housing in the future, so preventing that should be paramount.Negotiate with your landlord. You may be able to work out an installment plan to pay your rent throughout the month or get caught up if you’re behind. Also, legal evictions are costly and time-consuming, so your landlord may be willing to negotiate a more graceful exit if you’re bound by a lease but unable to hold up your end of the contract.Apply for emergency assistance. The National Low Income Housing Coalition provides a database of local and state resources for emergency rent assistance. Local charities and churches may also be able to help. Visiting the website 211.org or calling 211 can help locate local resources like these.Borrow smartly. If you’re forced to borrow to keep up with your rent, weigh the costs of any loan — if you’re unable to pay it back, you could find yourself in an even worse predicament. Borrowing from friends and family is generally the least expensive option, followed by paying your rent with your credit card and, as a last resort, getting a cash advance on your credit card.Know if you’re protected from eviction. Many eviction bans at the local, state and federal levels have expired, but some remain, and lawmakers could take action to extend previous measures or enact new ones. Nolo.com maintains a database of the mixed bag of regulations, and you can check state and local government websites for details in your area.Move. Moving can be expensive and is generally a last resort. But when it gets to a point that holding on to your rental is causing more problems than it’s solving, it may be time to talk to family members and friends about finding an alternative. Living in your parent’s (or adult child’s) guest bedroom may not be ideal, but drastic times call for drastic measures, and many of us are facing circumstances we couldn’t have imagined just six months ago.Analysis methodology available in the original article, published at NerdWallet.More From NerdWalletSmart Money Podcast: Lower Mortgage Rates, and Moving During a PandemicMoving Safely in a Pandemic Takes More Planning, More MoneyCan You Have Too Much Credit?Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6318

WASHINGTON, D.C. – Louisiana is a state dealing with not one, but two multi-billion-dollar natural disasters within the span of six weeks: Hurricanes Laura and Delta.“This family had just moved in less than a week ago,” said Chuck Robichaux, mayor of the town of Rayne, Louisiana. “They’re just getting settled in, haven’t even put all their things in place, and they’re having to move out until we can get it repaired.”It’s a heartbreaking scenario playing out across the country this year.Up until Hurricane Delta, the National Oceanic and Atmospheric Administration said the country experienced 16 natural disasters this year, each with damages over a billion. Those included wildfires and droughts in the West, tornadoes, severe weather and flooding in the Midwest and hurricanes along the East and Gulf Coast.That number, 16, tied the record for the most billion-dollar disasters ever recorded in a single year, until Hurricane Delta broke the record with at least billion in damages.“The overall trend is one of an increasing number of billion-dollar disasters,” said Jeff Schlegelmilch, director of the National Center for Disaster Preparedness at Columbia University.He said there are two main reasons there have been more of these high-priced disasters.The first is climate change.“To deny climate change is to deny one of the critical drivers of these disasters,” Schlegelmilch said.The other reason, he said, comes down to where people choose to live. The population is growing, which is leading to more development in vulnerable areas, like in hurricane-susceptible coastlines and in wooded areas susceptible to wildfires.“Are we prepared to accommodate such large numbers of people in areas that are increasingly vulnerable to disasters?” Schlegelmilch said. “And, if not, what investments do we need to make in order to do that?”That might mean putting stricter building codes in place and rethinking disasters beyond just responding to them when they happen, the way FEMA and states do now.“It's not just about responding to the disaster, it's about preventing it, it's about mitigating it,” Schlegelmilch said. “So, looking at this more holistically, I don't think we yet have a great model for doing this federally or at the states or at the community level.”It’s more than just about the numbers, though, when it comes to billion-dollar disasters. There is a tremendous personal cost, too.“What we don't really capture as accurately within those numbers are the loss of lives, the loss of livelihoods and the communities that can actually be held back for a generation or more,” Schlegelmilch said.That leaves impacts felt both now and potentially by generations that follow. 2707

WASHINGTON (AP) — The Republican National Committee is sharply restricting attendance on three of the four nights of its convention in Jacksonville, Florida, next month as coronavirus cases are spiking in the state.RNC chair Ronna McDaniel says only the roughly 2,500 regular delegates to the convention will be permitted to attend the opening three nights.Delegates, their guests and alternate delegates will be permitted to attend the final night, Aug. 27, when President Donald Trump is set to deliver his acceptance speech.The Washington Post obtained a letter sent to delegates about scaling back the convention. In the letter, McDaniel reportedly says attendees will be offered coronavirus testing, temperature checks and PPE, and aggressive sanitizing protocols will be in effect.McDaniel says the party hoped to be able to plan a traditional convention, but adjustments have to be made to comply with state and local health guidelines.The GOP moved the convention from Charlotte, after officials in the North Carolina city ruled out a full-capacity crowd because of the pandemic. 1095

WASHINGTON, D.C. – Dr. Deborah Birx is warning Americans who traveled for Thanksgiving and attended a large gathering that they should assume they were infected with the coronavirus.The coordinator of the White House Coronavirus Task Force is advising those who gathered with numerous loved ones for the holiday to get tested in next few days.“If your family traveled, you have to assume that you are exposed and you became infected and you really need to get tested in the next week and you need to avoid anyone in your family with comorbidities or (who is) over 65,” Birx told “Face the Nation” on Sunday.Birx also says the task force is even asking families to mask indoors if they chose to gather during Thanksgiving and others went across the country or even into the next state.“And if you're over 65 or you have comorbidities and you gathered at Thanksgiving, if you develop any symptoms, you need to be tested immediately because we know that our therapeutics work best, both our antivirals and our monoclonal antibodies, work best very early in disease,” said Birx.During her interview, Birx referred to the current spike in COVID-19 cases as the nation’s “third wave” and compared it to second wave we saw over the summer.“We saw what happened post Memorial Day,” said Birx. “Now we are deeply worried about what could happen post-Thanksgiving because the number of cases, 25,000 versus 180,000 a day, that's why we are deeply concerned.”Birx says she’s worried about how last week’s holiday gatherings may increase the case count even more, especially in states with fewer COVID-19 restrictions. If you live in one of those states, she says you should take it upon yourself to be restrictive.Watch Birx's "Face the Nation" interview below:In step with Birx, Fauci provided similar warnings during an appearance on “Meet the Press” on Sunday. He said the heavy holiday travel could make the current surge in COVID-19 cases even worse as we head into the winter months."What we expect, unfortunately, as we go for the next couple of weeks into December is that we might see a surge superimposed on the surge we are already in," said Fauci.Unless something changes dramatically, Fauci predicts health officials will advise against travel for the end of the year holidays and New Year’s Eve, like they did for Thanksgiving.“We’re going to have to make decisions as a nation, state, city and family, that we’re in a very difficult time and we’re going to have to do the kinds of restrictions of things we would have liked to have done, particularly in this holiday season. Because we’re entering into what’s really a precarious situation, because we’re in the middle of a steep slope.”Watch Fauci's "Meet the Press" interview below: 2746

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