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WASHINGTON, D.C. – President-elect Joe Biden introduced his picks for several of his most senior economic advisers at a press event on Tuesday afternoon.The group includes liberal economists and policy specialists who established their credentials during the previous two Democratic administrations. Biden is placing a premium on diversity in his selection of Cabinet nominees and key advisers.For treasury secretary, Biden has nominated former Fed chair Janet Yellen. She would be the first woman to lead the Treasury Department in its 231 years of existence. She would also be the first person to serve as treasury secretary, chair of the Federal Reserve, and chair of the Council of Economic Advisers.In introducing Yellen, Biden called her the most qualified person for the job,citing her work at the Fed following the economic recession of the late '00s.In referencing the hit Broadway play "Hamilton," which centers around the life of the first Secretary of Treasury, Alexander Hamilton, Biden joked that Lin Manual-Miranda would eventually need to write a musical based on Yellen's life.Biden has also tapped Neera Tanden to head the Office of Management and Budget. Tanden would be the first woman of color and the first South Asian woman to lead the agency that oversees the federal budget. She currently serves as President and CEO of the Center for American Progress, an organization dedicated to advancing policies that increase opportunity for Americans.Additionally, Biden has chosen Wally Adeyemo as his deputy treasury secretary. He previously served the in the Obama-Biden administration as deputy director of the National Economic Council and deputy national security advisor. He currently serves as president of the Obama Foundation.Adeyemo would be the first African-American to serve in the role.Biden has picked Ceclica Rouse as chair of the Council of Economic Advisers. She’s a former member of the Obama-Biden council and currently serves as Dean of the Princeton School of Public and International Affairs. If confirmed, she will become just the first African American and just the fourth woman to lead the CEA in the 74 years of its existence.Jared Bernstein has been chosen as a member of the Council of Economic Advisers. He previously served as Biden’s chief economist in the first years of the Obama-Biden administration.And Heather Boushey will also become a member of the Council of Economic Advisers. She’s a longtime economic counselor to Biden and currently serves as President and CEO of the Washington Center for Equitable Growth, a nonprofit research and grantmaking organization she cofounded in 2013.Biden released this statement about his economic picks: 2704

WASHINGTON D.C. (KGTV) -- President Trump in a Sunday-morning tweet admitted that the Trump Tower meeting was to "get information on an opponent."An initial statement from Trump Jr. said the meeting was primarily concerned with a program about the adoption of Russian Children.Trump Jr. later acknowledged the meeting was held after an offer of allegedly damaging information on Clinton and the Democratic Party, according to CNN.Sunday, President Trump again denied that he is concerned about the meeting while also slamming the media. Read the full tweets below:  583

We're in some strange times right now and it may be hard to tell if it's appropriate to ask for a raise at work. Career experts say it's all about reading the room.“If your company has decided to freeze bonuses and they've laid off or furloughed people, you should still have a conversation with your boss about where that means your compensation will currently be, but you may not go into a nitty gritty negotiation conversation,” said Vicki Salemi, a career expert at Monster.com.If your company is doing well, has been able to keep employees, and has offered different work from home options, then it's fair game to begin negotiating with your manager.Make sure you walk into the conversation informed, though. Do your research on what someone with your experience and your location should make.And most importantly, don't start this conversation over email. Simply ask your manager if they have 15 minutes for a video chat and talk to them face to face.In the case where maybe a raise isn't possible right now, be open to negotiating about perks instead.“In addition to compensation, you can ask for additional personal time and perhaps you can also ask for extended working from home arrangements, after the pandemic or different arrangements, where you can have different things reimbursed to you that they previously didn't approve,” said Salemi.If both a raise and perks are denied, see if there's a chance those could happen later. If not, experts say it could be time to start looking for a job outside the company that will pay you your worth. 1562

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) — President Donald Trump met Monday with his Homeland Security secretary and other officials to discuss border security issues as a partial government shutdown over his U.S.-Mexico border wall entered Christmas without a clear resolution in sight.Though both sides have traded offers over the dollars, they remain far apart on the wall. The White House insisted Trump will reject any deal that does not include money for a wall or fence; Democrats held firm in their opposition to a wall or other physical barrier.In a joint statement Monday, the Democratic leaders of Congress, Sen. Chuck Schumer and Rep. Nancy Pelosi, said that as long as Trump keeps listening to the House Freedom Caucus and others on the right flank, there is no easy resolution to the impasse."It's Christmas Eve and President Trump is plunging the country into chaos," the leaders said. They pointed to problems beyond the shutdown, including the plunging stock market and the president's firing of the defense secretary. "The president wanted the shutdown, but he seems not to know how to get himself out of it."White House budget director Mick Mulvaney said a counteroffer was presented over the weekend to Schumer. Mulvaney would only say the offer was between Trump's .7 billion request and .3 billion Democrats have offered."We moved off of the five and we hope they move up from their 1.3," Mulvaney said Sunday, a day after a senior administration official insisted Congress would have to cave into Trump's spending demand for the shutdown to end. The comments highlighted Trump's unpredictable negotiating style.A Democratic aide granted anonymity to discuss the private talks confirmed the White House offered .5 billion, an initial .1 billion plus 0 million Democrats called a "slush fund" for the president's other immigration priorities.Mulvaney said he was awaiting a response from Schumer, whose office said the parties remained "very far apart."Trump chimed in from the White House, where he has been cooped up since the shutdown began early Saturday."I am all alone (poor me) in the White House waiting for the Democrats to come back and make a deal on desperately needed Border Security," Trump tweeted. "At some point the Democrats not wanting to make a deal will cost our Country more money than the Border Wall we are all talking about. Crazy!"Trump put off plans to head to his Florida estate for Christmas. His wife, first lady Melania Trump, returned from Florida to spend the holiday with him.The president's border security meeting Monday afternoon included Homeland Security Secretary Kirstjen Nielsen and other department officials, White House press secretary Sarah Huckabee Sanders said.Senate negotiators continued talks behind the scenes with Democrats and Republicans. The House and Senate briefly gaveled into session on Christmas Eve before closing again with no further action.In their statement, Pelosi and Schumer said "different people from the same White House are saying different things about what the president would accept or not accept to end his Trump Shutdown, making it impossible to know where they stand at any given moment."Trump blamed Democrats for the stalemate, tweeting Monday that "Virtually every Democrat we are dealing with today strongly supported a Border Wall or Fence. It was only when I made it an important part of my campaign, because people and drugs were pouring into our Country unchecked, that they turned against it. Desperately needed!"However, an AP Fact Check found that U.S. arrests on the Mexican border jumped 78 percent in November from a year earlier to the highest level in Trump's presidency. Increased arrests indicate that more people are trying to cross the border illegally.Several Cabinet departments and agencies have been closed since Saturday after their funding lapsed. The closure affects hundreds of thousands of federal workers across the country and was expected to last at least through Thursday, when the House and Senate meet again.Monday and Tuesday, Christmas Eve and Christmas, respectively, are federal holidays, meaning the government is closed anyway. That means Wednesday is the first day the public could begin to feel the effects of lost government services, Mulvaney said.The routines of about 800,000 federal employees, meanwhile, were about to be disrupted.More than half of those employees deemed essential, including U.S. Secret Service agents and Transportation Security Administration agents, must work without pay, though retroactive pay is expected. Another 380,000 were to be furloughed, meaning they will not report to work but would also be paid later. Legislation ensuring workers receive back pay was expected to clear Congress.Mulvaney predicted the shutdown could stretch into January, when Democrats assume control of the House."It's very possible that this shutdown will go beyond the 28th and into the new Congress," he said.Justin Goodman, a spokesman for Schumer, countered: "If Director Mulvaney says the Trump Shutdown will last into the New Year, believe him, because it's their shutdown." Trump recently declared he'd be "proud" to shut down the government over border issues.Trump promised during the campaign to build a border wall. Progress toward funding the wall has been slow and Trump sees the final days of the GOP's complete control of Congress as his last chance to force the issue. Some Republicans also oppose building a wall. 5478

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