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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, D.C. -- The backbone of the American election system rides on the shoulders of an army of paid volunteers: poll workers, who take time out of their lives to spend Election Day helping others have their say at the ballot box.“Poll worker recruitment is an issue every election cycle,” said Jeanette Senecal with the League of Women Voters.It’s an issue even more so this year.In the 2016 election, there were nearly a million poll workers across the country, 917,694, working at more than 116,000 polling sites.Many of the poll workers tended to be older: 56% were over the age of 61.Now, though, concerns about COVID-19 mean many in this population, vulnerable to the virus, are choosing to sit out this time around.“Poll workers are kind of the make or break point,” Senecal said. “If they're the people who are interfacing with the voters, they're the people who are supporting those voters at the polling place on Election Day.”Officials estimate that across the U.S. about a quarter of a million poll workers may still be needed. It can take about 30 days to train them all, which means they need poll workers to sign up right now, in order to be ready by Election Day. Poll worker pay varies by county, but in some it can be as much as an hour.“This is a real opportunity for us to recruit a new generation of Americans, who can help ensure a safe and fair and as smooth as possible Election Day,” said Erika Soto Lamb, a vice-president at Comedy Central and MTV.The networks are part of a new, national non-profit coalition called Power the Polls, targeting younger people, who have never been poll workers before.“The work of Power the Polls is really in sounding the alarm bell, bringing people into the mix and then connecting them with their local boards of elections and secretaries of state, to make sure they are plugged in to work the polls in areas that need it the most,” Soto Lamb said.If there is a shortage of poll workers, experts fear some polling places may not be able to open at all and the ones that do could experience long lines.“This summer, we saw a voting rights legend pass away in Congressman John Lewis, whose life was built around voting rights and access – and this is one of those component parts,” Soto Lamb said.So far, Power the Polls has recruited 160,000 poll workers for Election Day. However, not everyone who signs up, will show up, so they are aiming to recruit as many as possible to ensure there are enough poll workers available.According to Power the Polls, the states with the most need for additional poll workers are: Arizona, Florida, Georgia, Maine, Michigan, Minnesota, Nevada, New Hampshire, North Carolina, Pennsylvania and Wisconsin.Learn more about becoming a poll worker here. 2760

WASHINGTON, D.C. – A Republican policing bill has hit a roadblock as Senate Democrats voted against it Wednesday and called it inadequate.That leaves leaving the parties to decide whether to take on the hard job of negotiating a compromise or walk away despite public outcry over the killings of Black Americans.Democrats want greater changes in police tactics and accountability. They're backed by leading civil rights groups. Senate Majority Leader Mitch McConnell says Democrats are engaging in “political nonsense.” The impasse threatens to turn the nationwide protests over the deaths of George Floyd, Breonna Taylor and others into another moment that galvanizes the nation but leaves lawmakers unable to act. Common ground is not out of reach though. A new Associated Press-NORC Center for Public Affairs Research poll shows almost all Americans support some degree of criminal justice changes.“This is a profound moment, it is a moral moment,” said Sen. Cory Booker, D-N.J., a co-author of the Democrats’ proposal. “The call is for us to act.”Yet Congress, as it has so many times before when confronted with crisis — on gun control or immigration changes supported by broad segments of the population — has stalled out, for now. Lawmakers are hesitant to make moves upsetting to voters as they campaign for the fall election. And President Donald Trump, facing his own reelection, is an uneven partner with shifting positions on the types of changes he would accept from Capitol Hill.Ahead of Wednesday’s vote, Trump tweeted his support for the GOP bill. He said it would be “great for both people of color and police.” Trump tweeted, “Hope to sign it into law ASAP!”Senate Majority Leader Mitch McConnell acknowledged Wednesday’s vote tally may fall short. He has vowed to try again, hoping to pass legislation before a July 4 holiday recess.“This is not about them or us,” said Sen. Tim Scott, the only Black Republican in the Senate and author of the GOP bill.He said it’s about young people and others, “who are afraid to jog down the street or get in their car and drive.” During a GOP lunch Tuesday, Scott played for colleagues the racist voice mail messages he has recently received, according to a Republican granted anonymity to discuss the private meeting.The GOP’s Justice Act would create a national database of police use-of-force incidents, restrict police chokeholds and set up new training procedures and commissions to study race and law enforcement. It is not as sweeping as a Democratic proposal, which mandates many of the changes and would hold police liable to damages in lawsuits. There are similarities on some issues, lawmakers say, but also vast differences.The Democrats are lining up high-profile and wide-ranging support for their bill. Hundreds of celebrities, actors, musicians and industry leaders including Rihanna, RZA, Elon Musk and mayors from cities nationwide signed on to a support letter obtained by The Associated Press and being released Wednesday.Civil rights leaders and the Congressional Black Caucus urged a no vote on the GOP bill.Senate Democratic leader Chuck Schumer and top Democrats signaled they would oppose the Republican bill as “not salvageable,” as they demand negotiations on a new, bipartisan package with more extensive changes to law enforcement tactics and accountability aligned with their own Democratic bill.As talks potentially continue, Democrats are trying to force Republicans to the negotiating table to strengthen Democrats’ hand. The House is set to approve the Democrats’ bill later this week, likely Thursday. The two bills, the House and Senate versions, would ultimately need to be the same to become law.Neither bill goes as far as some activists want with calls to defund the police and shift resources to other community services.House Speaker Nancy Pelosi has indicated she is eager to enter talks with the Senate, a signal the door is not closed to compromise.But in a CBS News Radio interview Tuesday, Pelosi said Republicans need to step up with a better bill. “They were trying to get away with murder, actually — the murder of George Floyd.”The comment drew sharp rebuke and calls from Republicans for her to apologize.“We’re ready to make a law, not just make a point,” McConnell said as he opened the Senate on Tuesday. He said Americans “deserve better than a partisan stalemate.”Political risks of inaction are high, as the public wants to see policing changes after nearly a month of constant demonstrations nationwide, in cities large and small, forcing a worldwide reckoning over law enforcement and racial injustice. 4628

WASHINGTON, D.C. – One of the most contentious battles in politics isn’t just the current battle for the White House, it’s also the upcoming battle over who could ultimately end up in the halls of Congress and state capitols everywhere, in a process called redistricting.“The basic idea underlying that system is that we should form a constituency with people who live near us,” said Charles Blahous, a senior research strategist at the Mercatus Center at George Mason University in Virginia.New district maps are created based on census population numbers every 10 years. Yet, those maps can end up getting distorted to favor one political party over another when gerrymandering comes in to play.“I think gerrymandering is of concern to most voters because it seems to violate the foundational principle of our representative system, which is that we are divided into districts geographically,” Blahous said.Geography is something gerrymandering throws out the window. Some of the unusual congressional district maps can end up looking like animals.There is Maryland’s Democratic 3rd district, which looks like a snake, stretching from Baltimore into counties south. There is also northern Ohio’s Republican 4th district, known as “the duck.”So, who designed these?“The Constitution gives the power to state legislatures to draw these maps,” Blahous said.Since politicians draw the maps, they can be skewed to favor a particular party or incumbent. However, they can also be used to favor people from a particular racial or ethnic group, who have often been under-represented in the halls of power, in order to comply with federal Voting Rights Act rules on representation.Still, there are now efforts to take the map drawing out of the hands of politicians.In Virginia, voters will decide this November whether an independent commission should be in charge of the process instead. There are other ideas emerging, too: like using artificial intelligence to make the maps.“It takes an enormous computer capacity, which was not there 30 years ago, and writing the programming to make that all happen is also not a trivial matter,” said political science professor Bruce Cain, director of the Bill Lane Center for the American West at Stanford University.Prof. Cain said he and a colleague, Prof. Wendy Tam Cho of the University of Illinois at Urbana-Champaign, believe an algorithm they’ve developed might be the best alternative for making fairer maps.“What you want to be able to do is take every plan and classify it and say, ‘yeah, this one's better for minorities, this one's better for compactness,’ but is there something that combines both of them?” he said.It is all part of the ongoing effort to make sure America’s representative democracy remains truly representative of the people. 2801

WASHINGTON, Mo. - A Missouri middle schooler died this weekend due to complications from COVID-19.The School District of Washington, Missouri, said eighth-grader Peyton Baumgarth was hospitalized due to the virus's symptoms and passed away over the weekend.Superintendent Lori VanLeer said in a letter to parents, the district extends its "heartfelt sympathy" to his family and asked the public to respect their privacy.She wrote that the family asks everyone to follow COVID-19 safety precautions such as washing hands and wearing masks. "COVID-19 is real, and they want to remind students and parents to take these precautions in and outside of school," VanLeer wrote.Additional counselors will be available at the school Wednesday, according to the letter.Peyton's last day at school was Oct. 22. VanLeer said the school was informed he was in quarantine on Oct. 26.According to local media stations KMOV and KSDK, Baumgarth was the state's youngest victim of the deadly virus. However, the Missouri Department of Health and Senior Services coronavirus database, which tracks the state's COVID-19 cases, deaths, and hospitalizations, by age, race, and ethnicity, did not have Baumgarth's death posted on its latest update, which was last updated Monday morning.Washington, Missouri, is located about an hour west of St. Louis.Hailey Godburn first reported this story at KSHB in Kansas City, Missouri. 1411