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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

WASHINGTON (AP) — The number of laid-off workers applying for unemployment aid fell below 1 million last week for the first time since the pandemic intensified five months ago yet still remains at a high level. The viral pandemic keeps forcing layoffs just as the expiration of a 0-a-week federal jobless benefit has deepened the hardships for many.The Labor Department said applications fell to 963,000, the second straight drop, from 1.2 million the previous week. The decline suggests that layoffs are slowing, though last week’s figure still exceeds the pre-pandemic record of just under 700,000.The virus has continued to debilitate the economy. The number of new confirmed cases has declined over the past couple of weeks but is still far above the levels that prevailed in May and June. Twenty-three states have paused or reversed their business re-openings. 876

WASHINGTON, D.C. – In small to large protests, Americans from coast to coast are exercising their right to free expression. In some cases, though, protests that started out peaceful have turned violent.“Injured three people, cuts and bruises,” said Mat Davis, a protester in Indianapolis, who saw a vehicle strike several protesters. “It was bad.”In Michigan, Bailee Majeske experienced a protest get out of hand.“There was a lot of rioting, just cars parked in the street were getting smashed,” she said, “and then there was a brick thrown at my head and my friend was stabbed.”So, what happens if you are injured during civil unrest? Getting medical attention is a first priority but knowing exactly what your health insurance covers is key.“You'd need to know what is in the policy - what is covered and especially what is not covered,” said Ray Farmer, who heads up the National Association of Insurance Commissioners (NAIC). “If a protest happens to turn violent and include some rioting, I think that would be extremely difficult for an insurance company to prove that those injuries occurred due to an excluded act, even if the policy had such a provision.”Some policies, though, do have exclusions, like if you take part in “illegal acts” or participate in “civil unrest.” How that’s specifically defined would be up to an insurer, but it could range from vandalism and property damage to violating a community’s established curfew, or failing to leave an area if police order you to do so.However, Farmer says there are some things a consumer should be aware of, in the event they are denied coverage for the treatment of injuries sustained during civil unrest. One – ask the insurance company to point out the specific language being used to deny a claim, and two – reach out to your state’s department of insurance for help navigating the process.“That's our job is to regulate the insurance industry, but more importantly to protect consumers,” he said.While Farmer said there are no reports of protesters’ claims being denied so far, before it even gets to that point, it’s important understand the details in your health insurance coverage.“You certainly don't want any surprises,” he said.As for those who have been caught by surprise, there’s some advice from them, as well.“If you notice there are riots breaking out, it may be time to go home and support from a distance,” Majeske said.For more information on your state’s Department of Insurance, click here. 2485

WASHINGTON, D.C. – Ben Carson has tested positive for the novel coronavirus, according to multiple reports.Officials confirm to the ABC News and NBC News that the U.S. Secretary of Housing and Urban Development (HUD) tested positive Monday morning.Carson’s deputy chief of staff told ABC that he’s in good spirits and feels fortunate to have access to therapeutics that could help lead to a speedy recovery.Sec. Carson received a positive test this morning at Walter Reed after experiencing symptoms. (He is no longer at the hospital - was only there for a short time) https://t.co/fMAYoP3MUe— Katherine Faulders (@KFaulders) November 9, 2020 The former presidential candidate was reportedly at the White House on election night for the Trump administration’s party. White House Chief of Staff Mark Meadows was also in attendance and tested positive for the virus last week.The Washington Post reports that five other Trump administration aides also tested positive for the virus around Election Day. 1008

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