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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 Supreme Court has rejected the Trump administration's bid to throw out a California immigrant-sanctuary law that limits local police cooperation with federal immigration authorities.The justices' order Monday leaves in place lower court rulings that upheld the law.The administration said the 2017 state immigrant-sanctuary measure conflicts with federal immigration law and makes it harder to deport people who are in the country illegally.California Attorney General, Xavier Becerra, released a statement that said in part: "We’re protecting Californians’ right to decide how we do public safety in our state. The Trump Administration does not have the authority to commandeer state resources. We’re heartened by today’s Supreme Court decision."The San Diego County Sheriff's Department sent ABC 10News the following statement:"The Supreme Court decision not to hear a legal challenge to California's sanctuary law does not change or impact the operations of the San Diego County Sheriff's Department. Our agency is already in full compliance with SB54.We do not enforce immigration laws. We prioritize community relationships and want all residents to feel safe when reporting crimes or coming forward as a witness to criminal acts."The Sheriff's Department also sent the following documents related to the law:https://www.sdsheriff.net/documents/sb54.pdf [sdsheriff.net]https://www.sdsheriff.net/documents/SDSD%20Values%20Act%20Information%20Page.pdf [sdsheriff.net] 1502

WASHINGTON, D.C. -- Senate Majority Leader Mitch McConnell has responded to the investigation into Breonna Taylor's death and the shooting of two Louisville police officers Wednesday night.In a speech on the Senate floor Thursday, McConnell says Kentucky Attorney General Daniel Cameron "conducted exactly the kind of thorough, impartial investigation that justice demands."McConnell also addressed protests in Louisville following the decision as "more of the lawlessness, riots, and violence that has plagued American cities too often this year."Read his full speech on the Senate floor below:"I've spoken repeatedly in recent months about the tragic killing of Breonna Taylor in my hometown of Louisville, the need for justice, and the healing work ahead for our community."Kentucky's Attorney General, Daniel Cameron, conducted exactly the kind of thorough, impartial investigation that justice demands. Yesterday, that chapter concluded, and the grand jury conducted the handoff to criminal prosecution. I have full confidence in the Attorney General's painstaking pursuit of facts and justice."Many Kentuckians have channeled their continuing grief and anger into a peaceful exercise of their First Amendment rights. But in Louisville last night, we saw more of the lawlessness, riots, and violence that has plagued American cities too often this year."Citizens' businesses were vandalized. Fires were set in streets."And two officers of the Metro Police Department were shot and wounded while protecting public safety downtown."As of last night, one officer was still undergoing surgery, but both were in stable condition. We are praying that both will make full recoveries. And one suspect is in custody."Peaceful protests honor the memory of Breonna Taylor. Peaceful protests move us toward justice."Smashing windows does not. Setting fires does not. Rioting in the streets does not."And trying to gun down law enforcement officers who are bravely serving their community is the kind of despicable cowardice that must be met with the full force of the law."I want to sincerely thank all the Kentucky peace officers who continue to put their lives on the line every day."I hope and expect that our Governor and Mayor will take every necessary step to secure the justice, peace, law, and order that every Kentuckian deserves."This story was originally published by staff at WLEX. 2394

WASHINGTON, D.C. — To hear artist Harvey Pratt describe the new memorial in the National Mall is to understand just how much it means to him and others.“Almost all tribes use sacred fire and water and they use the earth and air,” he said. “I thought, ‘you know, that’s what I’ll use – those elements.'”Pratt designed the newest memorial in Washington, D.C. – the National Native American Veterans Memorial. He faced an enormous task.“I thought, ‘How do you connect 573 federally-recognized tribes, plus the state-recognized tribes – without being specific to a certain tribe or region?’” he said.Nestled beside the Smithsonian’s National Museum of the American Indian, it is a place meant for reflection and remembrance.“Native people, tribal people, have always respected their veterans,” Pratt said. “Almost every tribe has a memorial to their veterans.”Yet, there’s never been a national one in such a prominent place until now.“We held 35 consultations across the country and met with about 1,200 people because we really wanted to get a sense of what they wanted to see in the memorial, what the experience of visiting it should be,” said The Smithsonian’s Rebecca Trautmann, who is the memorial’s curator.Congress first authorized its construction in 1994. However, money needed to be raised in order to make it happen; the construction was funded by private donations.“Native people have been serving in great numbers and with great dedication from the time of the Revolutionary War, up to the present,” Trautmann said, “and they continue to serve in in large numbers.”That includes Harvey Pratt, who is a Cheyenne-Arapaho, a Cheyenne Peace Chief and a veteran who served in Vietnam.“I just want people to know – we’re still here. Native people are still here and when Native people come to the memorial and do their ceremonies, that we’re going to educate non-Native people,” Pratt said. “They’ll see us doing things, they’ll ask questions and they’ll come to know us a little better.”The memorial is now providing a new way for others to get to know a group of American veterans, who now have a place where their sacrifice is recognized. 2154

West Jordan, UT (KSL) -- Police say two Salt Lake men took a teenage girl "partying" before taking turns raping her in the back seat of a car while she was passed out, all while a third man recorded it on a cellphone.Richard Djassera, 21, and Leclair Dodjim, 24, were arrested Tuesday by West Jordan police for investigation of aggravating kidnapping, rape, forcible sodomy, two counts of sexual exploitation of a minor, aggravated sexual assault and contributing to the delinquency of a minor.A 14-year-old girl met one of the men on Snapchat and struck up a conversation with him, said West Jordan Police Sgt. Joe Monson. That man originally represented himself as a 17-year-old, he said.On Sept. 8, the girl slept over at a friend's house and then sneaked out of the house to meet up with the man and two others, according to a Salt Lake County Jail report.The three men then drove the girl around, "partying, drinking," Monson said. The report says the men provided her with alcohol, then took her to a hookah bar and finally a house party.At some point, between 1 a.m. and 4:30 a.m., the girl — who was in and out of consciousness after drinking — was raped in the back seat of the men's car, Monson said.The report says two of the men assaulted her while the third recorded it."It appears (the girl) is passed out and/or unconscious throughout most of the video and clearly cannot give consent to anything that is happening to her," the report states."She woke up next morning, didn't remember much, was told by a friend that something had happened and called her parents," Monson said.The girl woke up in one of the men's homes and called a friend to come get her, he said.When the man who allegedly recorded the video was interviewed by detectives, he told them he saw what was happening and "thought it was funny so he recorded them having sex on his phone," the report states.As of Thursday, the investigation into the third man was continuing, according to police.The case is another reminder for parents to "be aware what your kids are doing on social media," Monson said. "Don't be afraid to check their phones."  2139