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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

Wednesday marked the first and only debate between vice presidential candidates Mike Pence and Kamala Harris.A number of questions were avoided by the candidates from moderator Susan Page. But the debate had a different tone and tenor than last week’s debate between Donald Trump and Joe Biden.1) Debate takes a different toneTempers largely were held in check and personal attacks were kept to a minimum during Wednesday’s debate, unlike last week’s presidential debate. Page took a much different approach than Chris Wallace, who moderated last week’s presidential debate.While Page reminded the candidates of the rules during the middle of the debate, much like Wallace last week, the debate largely remained civil. Were there still interruptions? Yes.At several points, Harris responded to a few interruptions of Pence by quipping “I’m speaking.” Pence at times accused Harris of not telling the truth by saying she can speak her opinion but not her own facts.2) CoronavirusIt came as no surprise that the most combative topic of the debate was on the coronavirus. And as part of the visuals of Wednesday’s debate, two Plexiglas shields stood between Harris and Pence, a reminder of the number of coronavirus cases spreading through White House staff.Harris took an early jab on Trump and Pence on their handling of the coronavirus. Pence headed the White House’s coronavirus task force."Well, the American people have witnessed what is the greatest failure of any presidential administration in the history of our country,” Harris said. Pence fired back, claiming that Harris was sowing doubt on the efficacy a potential coronavirus vaccine. Harris said she’d take a coronavirus vaccine if recommend by health officials, but not if it is recommend by Trump.“The fact that you continue to undermine public confidence in a vaccine, if the vaccine emerges during the Trump administration, I think is unconscionable,” Pence said. “And senator, I just ask you, stop playing politics with people's lives."Trump has suggested he would intervene on FDA guidelines on issuing an emergency use authorization on a coronavirus vaccine, but on Tuesday, the FDA moved forward with its vaccine guidelines, which will likely push a vaccine approval until after the election. 3) Issues of raceWednesday’s debate was notable as Harris became the first minority candidate to participate in a vice presidential debate. During the debate, the topic of race came up.Pence and Harris were asked to address whether justice was served in the Breonna Taylor case. Taylor was a 26-year-old Black woman who was killed in March by officer gun fire. Officers were executing a warrant when Taylor’s boyfriend fired at officers, prompting officers to return fire. There are questions on whether officers announced themselves before entering the apartment. A Kentucky grand jury declined to press charges on officers for firing at Taylor. One of the officers involved is facing criminal charges for wanton endangerment.Harris said that she believed justice was not served in the Taylor case.“Her family deserves justice,” Harris said. “She was a beautiful young woman. She had as her life goal to become a nurse and she wanted to become an EMT to first learn what is going on the street so she could become a nurse and save lives. Her life was taken unjustifiably and tragically and violently.”Pence offered his condolences to Taylor’s family, but disagreed with Harris.“Well, our heart breaks for the loss of any innocent American life and the family of Breonna Taylor has our sympathies, but I trust our justice system, a grand jury that reviews the evidence,” Pence said. “It really is remarkable that as a former prosecutor, you would assume an impaneled grand jury looking at all of the evidence got it wrong.”Pence then pivoted to decrying “rioting and looting” that took place in response to incidents of Black Americans being killed during interactions with police.“This presumption that you hear consistently from Joe Biden and Kamala Harris that America is systematically racist and that Biden says that law enforcement has an implicit minorities is a great insult to the men and women who serve in law enforcement,” Pence said.4) Harris, Pence dodge Supreme Court questionsHarris, like Biden last week, opted to avoid answering whether a Biden administration would add members to the Supreme Court. Some Senate Democrats have suggested adding members to the high court if Democrats win both the Senate and White House in November.“This is a classic case of if you can’t play by the rules, you’re going to change the rules,” Pence said.Meanwhile, Pence was asked whether he would be supportive of a full restriction of abortion in his home state of Indiana. He avoided that question.There is renewed hope among conservatives that a sixth Republican-appointed justice would overturn Roe vs. Wade, allowing states to implement laws to significantly curtail legal abortions.While Harris did not answer the question on expanding the size of the Supreme Court, she did hit back on any unraveling of Roe vs. Wade."We have the issue of choice, I will always fight for a woman's right to make decisions about her own body, it should be her decision, and not that of President Trump's or Vice President Mike Pence,” Harris said. 5) Will next week’s presidential debate move forward? With Trump at the White House recovering from the coronavirus, it is questionable on whether next week’s debate will move forward. And if it does move forward, what changes might be made. Following last week’s debate, the Commission on Presidential Debates said it was considering changes given the frequent interruptions between candidates. Just about 48 hours after last week’s debate ended, Trump announced he tested positive for the coronavirus. With two weeks separating Trump announcing his diagnosis and next Thursday’s debate, Trump will have cleared the CDC’s recommended isolation period of 10 days. Trump has also said he is looking forward to next week’s debate.The next presidential debate is scheduled for October 15 at 9 p.m. ET. 6108

WASHINGTON, D.C. (KGTV) -- President Donald Trump Tuesday night delivered a prime-time address to the nation on border security. All major networks, including ABC, CBS, NBC, CNN and Fox News decided to carry the address. The battle over border security and a border wall has led to a partial government shutdown that has, as of Tuesday, lasted 18 days. In comparison, the longest government shutdown was under former President Bill Clinton and lasted 21 days. President Donald Trump said during the address that there is a "growing humanitarian and security crisis" at the U.S.-Mexico border, though crossings have fallen in recent years.RELATED: What the border looks like now, as President Trump asks for wall fundingThe President added that all Americans are hurt by uncontrolled illegal immigration. He says it strains public resources and drives down jobs and wages.The President says among those hit hardest by illegal immigration are African-Americans and Hispanics.The President is trying to convince Americans that the flow of immigrants into the U.S. illegally at the southern border is a crisis.He asserts that the government remains shut down because Democrats won't fund border security.RELATED: San Diego lawmakers respond to Trump's border wall commentsFollowing his address, Democrats Nancy Pelosi and Chuck Schumer stood in a long hallway behind a podium, reinforcing their talking points about misinformation spread by the President. Both Pelosi and Schumer didn't seem to be swayed on whether or not they'd compromise and reopen the government, ensuring that the standoff between Trump and Democrats continues. 1638

WASHINGTON, D.C. – President-elect Joe Biden has announced more nominees and appointees for key national security, foreign policy and treasury positions.Biden has chosen former Federal Reserve Chair Janet Yellen to serve as Secretary of the Treasury, The Associated Press and other outlets report. The 74-year-old would be the first woman to lead the Treasury Department.Biden’s White House transition team announced Monday that former Secretary of State John Kerry will lead the incoming administration’s effort to combat climate change. His official title will be Special Presidential Envoy for Climate.As for Director of National Intelligence, the transition team says Biden will nominate Avril Haines, a former Principal Deputy National Security Advisor to President Barack Obama and Legal Advisor to the National Security Council.The transition team also said Biden will nominate Alejandro Mayorkas for the Secretary of Homeland Security position. He previously served as Deputy Secretary of Homeland Security (DHS) under the Obama-Biden administration. If confirmed, the transition team says Mayorkas would be the first immigrant and Latino to lead DHS.America will soon have a government that treats the climate crisis as the urgent national security threat it is. I'm proud to partner with the President-elect, our allies, and the young leaders of the climate movement to take on this crisis as the President's Climate Envoy.— John Kerry (@JohnKerry) November 23, 2020 As for Director of National Intelligence, the transition team says Biden will nominate Avril Haines, a former Principal Deputy National Security Advisor to President Barack Obama and Legal Advisor to the National Security Council.When I was very young, the United States provided my family and me a place of refuge. Now, I have been nominated to be the DHS Secretary and oversee the protection of all Americans and those who flee persecution in search of a better life for themselves and their loved ones.— Alejandro Mayorkas (@AliMayorkas) November 23, 2020 The transition team also confirmed that Biden plans to nominate Antony Blinken to serve as Secretary of State in his administration. He served as Deputy Secretary of State during the Obama-Biden administration, the nation’s second highest ranking diplomat.Additionally, Biden will appoint Linda Thomas-Greenfield to serve as U.S. Ambassador to the United Nations. She’ll return to public service after retiring from a 35-year career with the U.S. Foreign Service in 2017.My mother taught me to lead with the power of kindness and compassion to make the world a better place. I’ve carried that lesson with me throughout my career in Foreign Service – and, if confirmed, will do the same as Ambassador to the United Nations.— Linda Thomas-Greenfield (@LindaT_G) November 23, 2020 Lastly, the transition team named Jake Sullivan as a National Security Advisor. He currently serves as a senior policy advisor to Biden and formerly served as Deputy Assistant to the President and National Security Advisor to then-Vice President Joe Biden in the Obama-Biden administration.According to a press release obtained by ABC reporter Milly Nagle, Biden and Vice President-elect Kamala Harris will formally announce their picks on Tuesday.“President-elect Biden and Vice President-elect Harris have chosen experienced crisis-tested leaders who are ready to hit the ground running on day one,” the release says. “These officials will start working immediately to rebuild our institutions, renew and reimagine American leadership to keep Americans safe at home and abroad, and address the defining challenges of our time – from infectious disease, to terrorism, nuclear proliferation, cyber threats and climate change.” 3748

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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